Baylake Bank

Baylake Bank is headquartered in Sturgeon Bay and is the 11^st largest bank in the state of Wisconsin. It is also the 607^th largest bank in the nation. It was established in 1876 and as of December of 2011, it had grown to 298 employees at 27 locations. Baylake Bank has a 4-star health rating.

Baylake Bank Routing Number: 075902104

Data for Q4 2011

Institution Statistics Baylake Bank FDIC Certificate # 13060 BankRate Report View Year Established 1876 Employees 298 Primary Regulator FED Assets and Liabilities Assets $1.09 billion Loans $622.25 million Deposits $868.01 million Equity Capital $108.13 million Loan Loss Allowance $10.64 million Unbacked Noncurrent Loans $19.58 million Real Estate Owned $12.12 million Historic Data - December 2010 Assets $1.05 billion Equity Capital $99.99 million Loan Loss Allowance $11.50 million Unbacked Noncurrent Loans $16.50 million Real Estate Owned $15.95 million Profit Margin - Quarterly Net Interest Margin 3.67% Return on Assets 0.51% Return on Equity 5.14% Interest Income $42.47 million

Institution Health Overall Score: 4 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 Baylake Bank had $31.7 million in non-current loans and owned real-estate with $118.77 million in equity and loan loss allowances on hand to cover it. This gives Baylake Bank a Texas Ratio of 26.69% 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 Baylake Bank held steady from 29.11% as of December 31, 2010 to 26.69% as of December 31, 2011, resulting in a positive change of 8.30%.This indicates that the balance sheet and financial strength for Baylake Bank has held steady in recent periods. Deposit Growth In the past year, Baylake Bank has increased its total deposits by $12.09 million, resulting in 1.41% 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 Baylake 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. Baylake Bank has $1.09 billion in assets with $118.77 million in equity, resulting in a capitalization level of 10.92%, which is above average.

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