| Weiss Ratings |
Baybank
Gladstone, MI |
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| Rating | ||||
| Asset Quality Index | 4.00 | |||
| Capitalization Index | 9.40 | |||
| Liquidity Index | 1.40 | |||
| Profitability Index | 6.90 | |||
| Stability Index | 6.50 | |||
| Company Info |
Baybank
Gladstone, MI |
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| FDIC Number | 1092 | |||
| Phone Number | (906) 428-4040 | |||
| Website | www.baybank.us | |||
| Asset Quality |
Baybank
Gladstone, MI |
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| 1-Year Asset Growth | 5.81% | |||
| 5-Year Asset Growth | 7.18% | |||
| 5-Year Charge-Offs to Average Loans | 0.07% | |||
| Charge-Offs to Average Loans | 0.03% | |||
| Non-Performing Assets to Assets | 0.60% | |||
| Non-Performing Loans to Capital | 10.01% | |||
| Non-Performing Loans to Loans | 0.78% | |||
| Balance Sheet |
Baybank
Gladstone, MI |
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| Total Assets | 168.77M | |||
| Total Deposits | 143.83M | |||
| Capital and Reserves |
Baybank
Gladstone, MI |
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| Capital | 16.73M | |||
| Leverage Ratio | 10.62 | |||
| Loan Loss Reserves to Loans | 1.46% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Baybank
Gladstone, MI |
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| Hot Money Ratio | 25.69% | |||
| Liquidity Ratio | 16.24% | |||
| Profitability |
Baybank
Gladstone, MI |
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| 5-Year Return on Average Assets | 1.18% | |||
| Net Income | 2.36M | |||
| Net Interest Spread | 4.51% | |||
| Operating Profit to Average Assets | 1.77% | |||
| Overhead Efficiency Ratio | 60.82% | |||
| Return on Assets | 1.41% | |||
| Return on Equity | 15.34% | |||