SAFE & SOUND® STAR RATINGS

Financial statement

BANCROFT STATE BANK
5496 COUNTY ROAD W
BANCROFT, Wisconsin 54921

STAR RATING: 3 starstarstar
Predictive Indicator - (decline)
As of June 30, 2014
Federal Reserve System Identifier 570745




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$68,010$72,211$71,316
Loans Receivable, Net44,15343,79047,021
Mortgage-Backed Securities000
Investments13,17412,3237,242
Deposits61,89766,27464,982
Borrowings000
Equity6,0375,8716,249
Net Interest Income1,1402,3502,652
Fee Income89176193
Overhead1,1192,1782,462
Net Operating Income50-11893
Net Income50-11893
Ratio Analysis Profitability%%%
Return on Assets *0.32-0.170.14
Operating Return on Assets *0.32-0.170.14
Return on Equity *3.67-2.001.51
Net Interest Margin *3.583.634.14
Fee Income / Assets *0.260.260.29
Overhead / Assets *3.143.173.64
Efficiency Ratio96.4794.5787.74
Asset Quality%%%
Nonperforming Assets / Assets2.972.914.48
Nonperforming Assets / Equity & Loss Reserves30.2532.0647.06
Loss Reserves / Nonperforming Loans112.2397.2649.50
1-4 Fam Mtg + MBS / Assets25.4223.6425.47
Commercial Real Estate Loans / Assets16.2115.4018.21
Construction Loans / Assets3.503.102.13
Commercial & Industrial Loans / Assets7.366.427.00
Consumer Loans / Assets3.533.113.35
Capitalization%%%
Equity / Assets8.888.138.76
Tangible Capital / Tangible Assets8.667.938.59
Risk-based Capital Ratio15.0814.9914.42
Liquidity%%%
Loans / Deposits71.3366.0772.36
Non-Interest Bearing Deposits / Deposits20.9523.7720.79
Purchased Liabilities2.492.692.88

* Calculations are based on the latest four quarters of income and expense.
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