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 March 31, 2014
Federal Reserve System Identifier 570745




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$69,730$72,211$71,316
Loans Receivable, Net43,30443,79047,021
Mortgage-Backed Securities000
Investments16,02912,3237,242
Deposits63,73566,27464,982
Borrowings000
Equity5,9435,8716,249
Net Interest Income5672,3502,652
Fee Income46176193
Overhead5322,1782,462
Net Operating Income29-11893
Net Income29-11893
Ratio Analysis Profitability%%%
Return on Assets *0.13-0.170.14
Operating Return on Assets *0.13-0.170.14
Return on Equity *1.59-2.001.51
Net Interest Margin *3.623.634.14
Fee Income / Assets *0.260.260.29
Overhead / Assets *3.083.173.64
Efficiency Ratio93.1794.5787.74
Asset Quality%%%
Nonperforming Assets / Assets3.042.914.48
Nonperforming Assets / Equity & Loss Reserves32.2232.0647.06
Loss Reserves / Nonperforming Loans108.5397.2649.50
1-4 Fam Mtg + MBS / Assets24.7123.6425.47
Commercial Real Estate Loans / Assets15.8215.4018.21
Construction Loans / Assets2.933.102.13
Commercial & Industrial Loans / Assets6.906.427.00
Consumer Loans / Assets3.263.113.35
Capitalization%%%
Equity / Assets8.528.138.76
Tangible Capital / Tangible Assets8.317.938.59
Risk-based Capital Ratio15.2914.9914.42
Liquidity%%%
Loans / Deposits67.9466.0772.36
Non-Interest Bearing Deposits / Deposits19.8423.7720.79
Purchased Liabilities2.442.692.88

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

Connect with us