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SAFE & SOUND® STAR RATINGS

BANCROFT STATE BANK

5496 COUNTY ROAD W
BANCROFT, Wisconsin 54921

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of September 30, 2015
Federal Reserve System Identifier 570745




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$72,087$72,429$72,211
Loans Receivable, Net46,26545,14343,790
Mortgage-Backed Securities000
Investments12,74312,96612,323
Deposits65,83666,07866,274
Borrowings000
Equity6,1916,2765,871
Net Interest Income1,7962,3212,350
Fee Income116180176
Overhead1,4732,1592,178
Net Operating Income-108278-118
Net Income-108278-118
Ratio Analysis Profitability%%%
Return on Assets *-0.040.40-0.17
Operating Return on Assets *-0.040.40-0.17
Return on Equity *-0.444.55-2.00
Net Interest Margin *3.563.553.63
Fee Income / Assets *0.230.260.26
Overhead / Assets *2.863.103.17
Efficiency Ratio107.9188.9294.57
Asset Quality%%%
Nonperforming Assets / Assets0.952.702.91
Nonperforming Assets / Equity & Loss Reserves9.8327.7632.06
Loss Reserves / Nonperforming Loans120.13117.9697.26
1-4 Fam Mtg + MBS / Assets24.3425.0523.64
Commercial Real Estate Loans / Assets16.2213.8015.40
Construction Loans / Assets3.893.943.10
Commercial & Industrial Loans / Assets6.796.886.42
Consumer Loans / Assets3.684.013.11
Capitalization%%%
Equity / Assets8.598.678.13
Tangible Capital / Tangible Assets8.398.477.93
Risk-based Capital Ratio15.4015.2614.99
Liquidity%%%
Loans / Deposits70.2768.3266.07
Non-Interest Bearing Deposits / Deposits23.7722.9523.77
Purchased Liabilities2.412.332.69

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