SAFE & SOUND® STAR RATINGS

Financial statement

BANCROFT STATE BANK
5496 COUNTY ROAD W
BANCROFT, Wisconsin 54921

STAR RATING: 2 starstar
Predictive Indicator - (decline)
As of December 31, 2013
Federal Reserve System Identifier 570745




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$72,211$71,316$68,772
Loans Receivable, Net43,79047,02151,184
Mortgage-Backed Securities000
Investments12,3237,2423,119
Deposits66,27464,98262,513
Borrowings000
Equity5,8716,2496,152
Net Interest Income2,3502,6522,658
Fee Income176193223
Overhead2,1782,4622,177
Net Operating Income-11893243
Net Income-11893243
Ratio Analysis Profitability%%%
Return on Assets *-0.170.140.36
Operating Return on Assets *-0.170.140.36
Return on Equity *-2.001.514.03
Net Interest Margin *3.634.144.29
Fee Income / Assets *0.260.290.33
Overhead / Assets *3.173.643.24
Efficiency Ratio94.5787.7479.22
Asset Quality%%%
Nonperforming Assets / Assets2.914.487.71
Nonperforming Assets / Equity & Loss Reserves32.0647.0676.97
Loss Reserves / Nonperforming Loans97.2649.501.45
1-4 Fam Mtg + MBS / Assets23.6425.4728.02
Commercial Real Estate Loans / Assets15.4018.2118.19
Construction Loans / Assets3.102.132.79
Commercial & Industrial Loans / Assets6.427.0010.73
Consumer Loans / Assets3.113.355.01
Capitalization%%%
Equity / Assets8.138.768.95
Tangible Capital / Tangible Assets7.938.598.81
Risk-based Capital Ratio14.9914.4213.52
Liquidity%%%
Loans / Deposits66.0772.3681.88
Non-Interest Bearing Deposits / Deposits23.7720.7917.04
Purchased Liabilities2.692.8812.54

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