Bancroft State Bank

Bancroft State Bank is headquartered in Bancroft and is the 220^th largest bank in the state of Wisconsin. It is also the 5,820^th largest bank in the nation. It was established in 1912 and as of December of 2011, it had grown to 24 employees at 5 locations. Bancroft State Bank has a 3-star health rating.

Data for Q4 2011

Institution Statistics Bancroft State Bank FDIC Certificate # 12342 BankRate Report View Year Established 1912 Employees 24 Primary Regulator FDIC Assets and Liabilities Assets $68.77 million Loans $51.18 million Deposits $62.51 million Equity Capital $6.15 million Loan Loss Allowance $740,000 Unbacked Noncurrent Loans $2.53 million Real Estate Owned $2.54 million Historic Data - December 2010 Assets $67.10 million Equity Capital $5.91 million Loan Loss Allowance $861,000 Unbacked Noncurrent Loans $3.98 million Real Estate Owned $992,000 Profit Margin - Quarterly Net Interest Margin 4.28% Return on Assets 0.36% Return on Equity 4.05% Interest Income $3.32 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bancroft State Bank had $5.07 million in non-current loans and owned real-estate with $6.89 million in equity and loan loss allowances on hand to cover it. This gives Bancroft State Bank a Texas Ratio of 73.58% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bancroft State Bank increased slightly from 57.57% as of December 31, 2010 to 73.58% as of December 31, 2011, resulting in a negative change of 27.80%. This indicates that the balance sheet and financial strength for Bancroft State Bank has declined slightly in recent periods. Deposit Growth In the past year, Bancroft State Bank has increased its total deposits by $1.96 million, resulting in 3.24% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bancroft State Bank has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bancroft State Bank has $68.77 million in assets with $6.89 million in equity, resulting in a capitalization level of 10.02%, which is above average.

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