Baytree National Bank & Trust Company

Baytree National Bank & Trust Company Locations

9 Market Square Court
Lake Forest, IL 60045
(877) 936-2265
www.baytreebank.com

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Baytree National Bank & Trust Company is headquartered in Lake Forest and is the 193^rd largest bank in the state of Illinois. It is also the 2,857^th largest bank in the nation. It was established in 2000 and as of December of 2011, it had grown to 78 employees at 3 locations. Baytree National Bank & Trust Company's money market rates are 82% higher than the national average, but it has a 1-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Baytree National Bank & Trust Company Checking Account Rates

	Apy	Min	Max	Product
	0.25%	-	-	Personal NOW

Baytree National Bank & Trust Company Savings Account Rates

Apy	Min	Max	Product
0.50%	-	-	Personal Savings
0.50%	-	-	Business Savings
0.25%	-	-	Charity Advantage Account

Baytree National Bank & Trust Company Money Market Rates

Apy	Min	Max	Product
0.95%	$100k	-	Business Money Market
0.95%	$100k	-	Baytree Money Market

Baytree National Bank & Trust Company CD Rates

Apy	Min	Max	Product
1.40%	$100k	-	60 Month CD
1.25%	$5k	-	48 Month CD Special
1.10%	$100k	-	48 Month CD
0.95%	$100k	-	36 Month CD
0.90%	$5k	-	24 Month CD Special
0.70%	$100k	-	24 Month CD
0.70%	$2,500	-	18 Month CD Special
0.60%	$100k	-	18 Month CD
0.60%	$2,500	-	12 Month CD Special
0.45%	$100k	-	12 Month CD
0.35%	$100k	-	9 Month CD
0.30%	$100k	-	6 Month CD
0.25%	$100k	-	3 Month CD
0.20%	$100k	-	1 Month CD

Baytree National Bank & Trust Company IRA Rates

Apy	Min	Max	Product
1.40%	$100k	-	60 Month IRA
1.40%	$100k	-	60 Month SEP IRA
1.40%	$100k	-	60 Month Roth IRA
1.40%	$100k	-	60 Month Roth Conversion IRA
1.40%	$100k	-	60 Month Education IRA
1.25%	$5k	-	48 Month Education IRA Special
1.25%	$5k	-	48 Month IRA Special
1.25%	$5k	-	48 Month Roth Conversion IRA Special
1.25%	$5k	-	48 Month Roth IRA Special
1.25%	$5k	-	48 Month SEP IRA Special
1.10%	$100k	-	48 Month IRA
1.10%	$100k	-	48 Month SEP IRA
1.10%	$100k	-	48 Month Roth IRA
1.10%	$100k	-	48 Month Roth Conversion IRA
1.10%	$100k	-	48 Month Education IRA
0.95%	$100k	-	36 Month IRA
0.95%	$100k	-	36 Month SEP IRA
0.95%	$100k	-	36 Month Roth IRA
0.95%	$100k	-	36 Month Roth Conversion IRA
0.95%	$100k	-	36 Month Education IRA
0.90%	$5k	-	24 Month Education IRA Special
0.90%	$5k	-	24 Month IRA Special
0.90%	$5k	-	24 Month Roth Conversion IRA Special
0.90%	$5k	-	24 Month Roth IRA Special
0.90%	$5k	-	24 Month SEP IRA Special
0.70%	$100k	-	24 Month IRA
0.70%	$100k	-	24 Month SEP IRA
0.70%	$100k	-	24 Month Roth IRA
0.70%	$100k	-	24 Month Roth Conversion IRA
0.70%	$100k	-	24 Month Education IRA
0.70%	$2,500	-	18 Month IRA Special
0.70%	$2,500	-	18 Month SEP IRA Special
0.70%	$2,500	-	18 Month Roth IRA Special
0.70%	$2,500	-	18 Month Education IRA Special
0.70%	$2,500	-	18 Month Roth Conversion IRA Special
0.60%	$100k	-	18 Month IRA
0.60%	$100k	-	18 Month SEP IRA
0.60%	$100k	-	18 Month Roth IRA
0.60%	$100k	-	18 Month Roth Conversion IRA
0.60%	$100k	-	18 Month Education IRA
0.60%	$2,500	-	12 Month IRA Special
0.60%	$2,500	-	12 Month SEP IRA Special
0.60%	$2,500	-	12 Month Roth IRA Special
0.60%	$2,500	-	12 Month Education IRA Special
0.60%	$2,500	-	12 Month Roth Conversion IRA Special
0.45%	$100k	-	12 Month IRA
0.45%	$100k	-	12 Month SEP IRA
0.45%	$100k	-	12 Month Roth IRA
0.45%	$100k	-	12 Month Roth Conversion IRA
0.45%	$100k	-	12 Month Education IRA
0.35%	$100k	-	9 Month IRA
0.35%	$100k	-	9 Month SEP IRA
0.35%	$100k	-	9 Month Roth IRA
0.35%	$100k	-	9 Month Roth Conversion IRA
0.35%	$100k	-	9 Month Education IRA
0.30%	$100k	-	6 Month IRA
0.30%	$100k	-	6 Month SEP IRA
0.30%	$100k	-	6 Month Roth IRA
0.30%	$100k	-	6 Month Roth Conversion IRA
0.30%	$100k	-	6 Month Education IRA
0.25%	$100k	-	3 Month IRA
0.25%	$100k	-	3 Month SEP IRA
0.25%	$100k	-	3 Month Roth IRA
0.25%	$100k	-	3 Month Roth Conversion IRA
0.25%	$100k	-	3 Month Education IRA
0.20%	$100k	-	1 Month IRA
0.20%	$100k	-	1 Month SEP IRA
0.20%	$100k	-	1 Month Roth IRA
0.20%	$100k	-	1 Month Roth Conversion IRA
0.20%	$100k	-	1 Month Education IRA

Rates updated: 5/23/2012

Data for Q4 2011

Institution Statistics

Baytree National Bank & Trust Company
FDIC Certificate #	35431
BankRate Report	View
Year Established	2000
Employees	78
Primary Regulator	OCC
Assets and Liabilities
Assets	$221.57 million
Loans	$170.54 million
Deposits	$202.33 million
Equity Capital	$8.02 million
Loan Loss Allowance	$2.77 million
Unbacked Noncurrent Loans	$13.33 million
Real Estate Owned	$6.83 million
Historic Data - December 2010
Assets	$215.63 million
Equity Capital	$12.54 million
Loan Loss Allowance	$2.04 million
Unbacked Noncurrent Loans	$18.09 million
Real Estate Owned	$2.12 million
Profit Margin - Quarterly
Net Interest Margin	4.29%
Return on Assets	-3.41%
Return on Equity	-70.5%
Interest Income	$11.81 million

Institution Health

Overall Score:

1 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 Baytree National Bank & Trust Company had $20.16 million in non-current loans and owned real-estate with $10.79 million in equity and loan loss allowances on hand to cover it. This gives Baytree National Bank & Trust Company a Texas Ratio of 186.91% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Baytree National Bank & Trust Company increased slightly from 138.60% as of December 31, 2010 to 186.91% as of December 31, 2011, resulting in a negative change of 34.85%. This indicates that the balance sheet and financial strength for Baytree National Bank & Trust Company has declined slightly in recent periods.
Deposit Growth
In the past year, Baytree National Bank & Trust Company has increased its total deposits by $9.3 million, resulting in 4.82% 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 Baytree National Bank & Trust Company 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. Baytree National Bank & Trust Company has $221.57 million in assets with $10.79 million in equity, resulting in a capitalization level of 4.87%, which is poor.

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