Bancroft State Bank in Bancroft, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Bancroft State Bank in Bancroft, Wisconsin (WI)
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Bancroft State Bank - Overview

  • General
  • FDIC Certificate #: 12342
    Status: Active
    Federal Reserve ID: 570745
    Bank Holding Company (Regulatory Top Holder): Bancroft State Bancshares, Inc. (RSSDID: 1491829, Location: Bancroft, WI)
    Date Established: October 07, 1912
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 7850
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 5496 Main Street, Bancroft, WI 54921
    County: Portage
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Appleton
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Stevens Point, WI (#44620)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $68.8 mil
    Equity capital: $6.2 mil
    Deposits held in domestic offices: $62.5 mil
    Return on assets (ROA): 0.36% ($0.2 mil)
    Quarterly return on assets: 0.97% ($0.7 mil)
    Return on Equity (ROE): 4.05% ($0.2 mil)
    Quarterly return on equity: 10.86% ($0.7 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.36% ($247.6 mil)
    Quarterly Pretax return on assets: 0.97% ($667.1 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 24Total employees (full-time equivalent)
  • $68,772Total assets
  • $3,260Cash and due from depository institutions
  • $1,779Interest-bearing balances
  • $3,119Securities
  • $7,066Federal funds sold & reverse repurchase agreements
  • $51,184Net loans & leases
  • $740Loan loss allowance
  • $0Trading account assets
  • $630Bank premises and fixed assets
  • $2,539Other real estate owned
  • $103Goodwill and other intangibles
  • $68,772Life insurance assets
  • $871All other assets
  • $62,620Total liabilities and capital
  • $62,513Total liabilities
  • $51,859Total deposits
  • $62,513Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $107Subordinated debt
  • $6,152All other liabilities
  • $6,152Total equity capital
  • $6,152Total bank equity capital
  • $0Perpetual preferred stock
  • $125Common stock
  • $2,275Surplus
  • $3,752Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,600Income earned, not collected on loans
  • $1,068Earning assets
  • $390Long-term assets (5+ years)
  • $63,148Average Assets, year-to-date
  • $1,306Average Assets, quarterly
  • $66,782Volatile liabilities
  • $67,697Insider loans
  • $49,539FHLB advances
  • $67,865Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,078Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,747Restructured Loans and leases
  • $239Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,324Total interest income
  • $666Total interest expense
  • $2,658Net interest income
  • $328Provision for loan and lease losses
  • $90Total noninterest income
  • $0Fiduciary activities
  • $176Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$86Additional noninterest income
  • $2,177Total noninterest expense
  • $1,377Salaries and employee benefits
  • $199Premises and equipment expense
  • $601Additional noninterest expense
  • $243Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $243Income before extraordinary items
  • $0Extraordinary gains - net
  • $243Net income attributable to bank
  • $0Net charge-offs
  • $243Cash dividends
  • $449Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.35%Yield on earning assets
  • 1.07%Cost of funding earning assets
  • 4.28%Net interest margin
  • 0.14%Noninterest income to earning assets
  • 3.50%Noninterest expense to earning assets
  • 0.36%Net operating income to assets
  • 0.36%Return on assets (ROA)
  • 0.36%Pretax return on assets
  • 4.05%Return on equity (ROE)
  • 4.05%Retained earnings to average equity (YTD only)
  • 0.81%Net charge-offs to loans
  • 73.05%Credit loss provision to net charge-offs
  • 1.27%Efficiency ratio
  • 79,221Assets per employee
  • 2.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.43%Loss allowance to noncurrent loans
  • 20.56%Noncurrent assets plus other real estate owned to assets
  • 8.93%Noncurrent loans to loans
  • 6.93%Net loans and leases to deposits
  • 81.88%Net loans and leases to core deposits
  • 84.86%Equity capital to assets
  • 8.95%Core capital (leverage) ratio
  • 8.96%Tier 1 risk-based capital ratio
  • 12.27%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $66,782Average earning assets
  • $6,002Average equity
  • $62,157Average loans

List of branches

  • 5 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07850Bancroft State Bank5496 Main Street, Bancroft, WI 54921October 07, 1912Full Service Brick and Mortar
    1226863Kellner Branch3821 80th St S, Wisconsin Rapids, WI 54494January 31, 1974Full Service Brick and Mortar
    2226864Saratoga Branch9031 Highway 13 South, Wisconsin Rapids, WI 54494October 16, 1992Full Service Brick and Mortar
    3356716Hancock Branch220 West North Lake Street, Hancock, WI 54943May 24, 2000Full Service Brick and Mortar
    4365860Plainfield Branch123 West North Street, Plainfield, WI 54966November 01, 2002Full Service Brick and Mortar

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