Baylake Bank in Sturgeon Bay, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 1996

Baylake Bank in Sturgeon Bay, Wisconsin (WI)
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Baylake Bank - Overview

General
FDIC Certificate #: 1025
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Baylake Bank (#13060)
Federal Reserve ID: 280044
Date Established: January 31, 1889
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 9 (Interstate: No)
FDIC's unique #: 681
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: January 01, 1996
Last Structure Change Process Date: January 25, 1996
Last Data Update: April 11, 1998
Data Source Date: April 05, 2012
Location
Address: Fourth And Jefferson Streets, Sturgeon Bay, WI 54235
County: Door
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
Financial Summary
Total assets: $244.9 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$127Total assets
$244,917Cash and due from depository institutions
$7,442Interest-bearing balances
$0Securities
$45,507Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$179,766Loan loss allowance
$2,299Trading account assets
$0Bank premises and fixed assets
$7,377Other real estate owned
$0Goodwill and other intangibles
$4,825Life insurance assets
$0All other assets
$0Total liabilities and capital
$244,917Total liabilities
$217,994Total deposits
$213,791Interest-bearing deposits
$185,151Deposits held in domestic offices
213791.00%% insured (estimated)
$87Federal funds purchased & repurchase agreements
$1,528Trading liabilities
$0Other borrowed funds
$475Subordinated debt
$0All other liabilities
$2,200Total equity capital
$2,200Total bank equity capital
$26,923Perpetual preferred stock
$0Common stock
$2,011Surplus
$10,989Undivided profits
Memoranda
$13,923Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$589Income earned, not collected on loans
$1,320Earning assets
$225,273Long-term assets (5+ years)
$31,715Average Assets, year-to-date
$235,831Average Assets, quarterly
$244,870Volatile liabilities
$13,631Insider loans
$6,069FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$43,827Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$26,771Total risk weighted assets
$191,624Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$19,995Total interest expense
$7,989Net interest income
$12,006Provision for loan and lease losses
$190Total noninterest income
$2,082Fiduciary activities
$391Service charges on deposit accounts
$482Trading account gains & fees
$0Additional noninterest income
$1,209Total noninterest expense
$7,862Salaries and employee benefits
$4,565Premises and equipment expense
$1,009Additional noninterest expense
$2,288Pre-tax net operating income
$6,036Securities gains (losses)
$2Applicable income taxes
$2,052Income before extraordinary items
$3,986Extraordinary gains - net
$0Net income attributable to bank
$3,986Net charge-offs
$54Cash dividends
$2,796Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1995)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
9.20%Cost of funding earning assets
3.68%Net interest margin
5.53%Noninterest income to earning assets
0.96%Noninterest expense to earning assets
3.62%Net operating income to assets
1.69%Return on assets (ROA)
1.69%Pretax return on assets
2.56%Return on equity (ROE)
15.28%Retained earnings to average equity (YTD only)
4.56%Net charge-offs to loans
0.03%Credit loss provision to net charge-offs
351.85%Efficiency ratio
55,806Assets per employee
1.93%Cash dividends to net income (YTD only)
Condition Ratios (%)
70.15%Loss allowance to loans
1.26%Loss allowance to noncurrent loans
390.32%Noncurrent assets plus other real estate owned to assets
0.24%Noncurrent loans to loans
0.32%Net loans and leases to deposits
84.08%Net loans and leases to core deposits
89.13%Equity capital to assets
10.99%Core capital (leverage) ratio
10.96%Tier 1 risk-based capital ratio
13.97%Total risk-based capital ratio
Memoranda
$15Average assets
$235,831Average earning assets
$26,081Average equity
$217,272Average loans

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