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SAFE & SOUND® STAR RATINGS

BANCROFT STATE BANK

5496 COUNTY ROAD W
BANCROFT, Wisconsin 54921

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 570745




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$70,867$75,593$72,429
Loans Receivable, Net45,15945,43545,143
Mortgage-Backed Securities000
Investments10,03112,06012,966
Deposits62,56667,51666,078
Borrowings000
Equity8,2548,0276,276
Net Interest Income6213232,321
Fee Income3317180
Overhead4752422,159
Net Operating Income221139278
Net Income221139278
Ratio Analysis Profitability%%%
Return on Assets *0.310.190.40
Operating Return on Assets *0.310.190.40
Return on Equity *3.152.094.55
Net Interest Margin *0.530.473.55
Fee Income / Assets *0.020.020.26
Overhead / Assets *0.270.343.10
Efficiency Ratio66.7163.5288.92
Asset Quality%%%
Nonperforming Assets / Assets0.600.622.70
Nonperforming Assets / Equity & Loss Reserves5.165.8127.76
Loss Reserves / Nonperforming Loans4.220.00117.96
1-4 Fam Mtg + MBS / Assets25.1523.1125.05
Commercial Real Estate Loans / Assets15.2814.6113.80
Construction Loans / Assets3.683.733.94
Commercial & Industrial Loans / Assets6.286.076.88
Consumer Loans / Assets3.443.304.01
Capitalization%%%
Equity / Assets11.6510.628.67
Tangible Capital / Tangible Assets10.029.048.47
Risk-based Capital Ratio17.2616.7915.26
Liquidity%%%
Loans / Deposits72.1867.3068.32
Non-Interest Bearing Deposits / Deposits22.4023.2222.95
Purchased Liabilities1.582.342.33

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