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 September 30, 2014
Federal Reserve System Identifier 570745




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$69,399$72,211$71,316
Loans Receivable, Net45,11543,79047,021
Mortgage-Backed Securities000
Investments12,86512,3237,242
Deposits63,11966,27464,982
Borrowings000
Equity6,2055,8716,249
Net Interest Income1,7112,3502,652
Fee Income137176193
Overhead1,6122,1782,462
Net Operating Income197-11893
Net Income197-11893
Ratio Analysis Profitability%%%
Return on Assets *0.36-0.170.14
Operating Return on Assets *0.36-0.170.14
Return on Equity *4.09-2.001.51
Net Interest Margin *3.543.634.14
Fee Income / Assets *0.270.260.29
Overhead / Assets *3.183.173.64
Efficiency Ratio86.9094.5787.74
Asset Quality%%%
Nonperforming Assets / Assets3.172.914.48
Nonperforming Assets / Equity & Loss Reserves31.5432.0647.06
Loss Reserves / Nonperforming Loans98.9697.2649.50
1-4 Fam Mtg + MBS / Assets25.8323.6425.47
Commercial Real Estate Loans / Assets15.2815.4018.21
Construction Loans / Assets3.893.102.13
Commercial & Industrial Loans / Assets7.226.427.00
Consumer Loans / Assets3.703.113.35
Capitalization%%%
Equity / Assets8.948.138.76
Tangible Capital / Tangible Assets8.737.938.59
Risk-based Capital Ratio15.0714.9914.42
Liquidity%%%
Loans / Deposits71.4866.0772.36
Non-Interest Bearing Deposits / Deposits20.9023.7720.79
Purchased Liabilities2.442.692.88

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