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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 December 31, 2015
Federal Reserve System Identifier 570745




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$75,593$72,429$72,211
Loans Receivable, Net45,43545,14343,790
Mortgage-Backed Securities000
Investments12,06012,96612,323
Deposits67,51666,07866,274
Borrowings000
Equity8,0276,2765,871
Net Interest Income3232,3212,350
Fee Income17180176
Overhead2422,1592,178
Net Operating Income139278-118
Net Income139278-118
Ratio Analysis Profitability%%%
Return on Assets *0.190.40-0.17
Operating Return on Assets *0.190.40-0.17
Return on Equity *2.094.55-2.00
Net Interest Margin *0.473.553.63
Fee Income / Assets *0.020.260.26
Overhead / Assets *0.343.103.17
Efficiency Ratio63.5288.9294.57
Asset Quality%%%
Nonperforming Assets / Assets0.622.702.91
Nonperforming Assets / Equity & Loss Reserves5.8127.7632.06
Loss Reserves / Nonperforming Loans0.00117.9697.26
1-4 Fam Mtg + MBS / Assets23.1125.0523.64
Commercial Real Estate Loans / Assets14.6113.8015.40
Construction Loans / Assets3.733.943.10
Commercial & Industrial Loans / Assets6.076.886.42
Consumer Loans / Assets3.304.013.11
Capitalization%%%
Equity / Assets10.628.678.13
Tangible Capital / Tangible Assets9.048.477.93
Risk-based Capital Ratio16.7915.2614.99
Liquidity%%%
Loans / Deposits67.3068.3266.07
Non-Interest Bearing Deposits / Deposits23.2222.9523.77
Purchased Liabilities2.342.332.69

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