Bay Bank & Trust Co.

Bay Bank & Trust Co. is headquartered in Panama City and is the 105^th largest bank in the state of Florida. It is also the 2,733^rd largest bank in the nation. It was established in 1935 and as of December of 2011, it had grown to 81 employees at 6 locations. Bay Bank & Trust Co. has a 3-star health rating.

Data for Q4 2011

Institution Statistics Bay Bank & Trust Co. FDIC Certificate # 15169 BankRate Report View Year Established 1935 Employees 81 Primary Regulator FDIC Assets and Liabilities Assets $232.52 million Loans $114.66 million Deposits $206.56 million Equity Capital $25.61 million Loan Loss Allowance $2.24 million Unbacked Noncurrent Loans $4.75 million Real Estate Owned $3.18 million Historic Data - December 2010 Assets $236.16 million Equity Capital $28.74 million Loan Loss Allowance $2.32 million Unbacked Noncurrent Loans $7.20 million Real Estate Owned $3.06 million Profit Margin - Quarterly Net Interest Margin 3.31% Return on Assets -1.54% Return on Equity -13.86% Interest Income $8.15 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 Bay Bank & Trust Co. had $7.94 million in non-current loans and owned real-estate with $27.85 million in equity and loan loss allowances on hand to cover it. This gives Bay Bank & Trust Co. a Texas Ratio of 28.49% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bay Bank & Trust Co. held steady from 33.04% as of December 31, 2010 to 28.49% as of December 31, 2011, resulting in a positive change of 13.78%.This indicates that the balance sheet and financial strength for Bay Bank & Trust Co. has held steady in recent periods. Deposit Growth In the past year, Bay Bank & Trust Co. has decreased its total deposits by $-432,000, resulting in -0.21% 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 Bay Bank & Trust Co. has shown is 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. Bay Bank & Trust Co. has $232.52 million in assets with $27.85 million in equity, resulting in a capitalization level of 11.98%, which is above average.

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