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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 December 31, 2014
Federal Reserve System Identifier 570745




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$72,429$72,211$71,316
Loans Receivable, Net45,14343,79047,021
Mortgage-Backed Securities000
Investments12,96612,3237,242
Deposits66,07866,27464,982
Borrowings000
Equity6,2765,8716,249
Net Interest Income2,3212,3502,652
Fee Income180176193
Overhead2,1592,1782,462
Net Operating Income278-11893
Net Income278-11893
Ratio Analysis Profitability%%%
Return on Assets *0.40-0.170.14
Operating Return on Assets *0.40-0.170.14
Return on Equity *4.55-2.001.51
Net Interest Margin *3.553.634.14
Fee Income / Assets *0.260.260.29
Overhead / Assets *3.103.173.64
Efficiency Ratio88.9294.5787.74
Asset Quality%%%
Nonperforming Assets / Assets2.702.914.48
Nonperforming Assets / Equity & Loss Reserves27.7632.0647.06
Loss Reserves / Nonperforming Loans117.9697.2649.50
1-4 Fam Mtg + MBS / Assets25.0523.6425.47
Commercial Real Estate Loans / Assets13.8015.4018.21
Construction Loans / Assets3.943.102.13
Commercial & Industrial Loans / Assets6.886.427.00
Consumer Loans / Assets4.013.113.35
Capitalization%%%
Equity / Assets8.678.138.76
Tangible Capital / Tangible Assets8.477.938.59
Risk-based Capital Ratio15.2614.9914.42
Liquidity%%%
Loans / Deposits68.3266.0772.36
Non-Interest Bearing Deposits / Deposits22.9523.7720.79
Purchased Liabilities2.332.692.88

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