Bay Bank

Bay Bank is headquartered in Green Bay and is the 178^th largest bank in the state of Wisconsin. It is also the 4,863^rd largest bank in the nation. It was established in 1995 and as of December of 2011, it had grown to 20 employees at 1 location. Bay Bank has a 2-star health rating.

Bay Bank Routing Number: 075912770

Data for Q4 2011

Institution Statistics Bay Bank FDIC Certificate # 34052 BankRate Report View Year Established 1995 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $103.31 million Loans $64.93 million Deposits $80.71 million Equity Capital $10.32 million Loan Loss Allowance $4.07 million Unbacked Noncurrent Loans $4.49 million Real Estate Owned $1.99 million Historic Data - December 2010 Assets $113.04 million Equity Capital $9.67 million Loan Loss Allowance $2.62 million Unbacked Noncurrent Loans $650,000 Real Estate Owned $2.38 million Profit Margin - Quarterly Net Interest Margin 4.09% Return on Assets 0.28% Return on Equity 3.08% Interest Income $5.29 million

Institution Health Overall Score: 2 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 had $6.48 million in non-current loans and owned real-estate with $14.39 million in equity and loan loss allowances on hand to cover it. This gives Bay Bank a Texas Ratio of 45.00% 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 Bay Bank increased slightly from 24.68% as of December 31, 2010 to 45.00% as of December 31, 2011, resulting in a negative change of 82.33%. This indicates that the balance sheet and financial strength for Bay Bank has declined slightly in recent periods. Deposit Growth In the past year, Bay Bank has decreased its total deposits by -$8.81 million, resulting in -9.84% 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 has shown is poor. 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 has $103.31 million in assets with $14.39 million in equity, resulting in a capitalization level of 13.93%, which is excellent.

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