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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