| Weiss Ratings |
Baybank
Gladstone, MI |
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| Rating | ||||
| Asset Quality Index | 3.60 | |||
| Capitalization Index | 9.60 | |||
| Liquidity Index | 1.30 | |||
| Profitability Index | 6.10 | |||
| Stability Index | 6.60 | |||
| 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 | 5.04% | |||
| 5-Year Asset Growth | 7.18% | |||
| 5-Year Charge-Offs to Average Loans | 0.05% | |||
| Charge-Offs to Average Loans | 0.06% | |||
| Non-Performing Assets to Assets | 1.13% | |||
| Non-Performing Loans to Capital | 13.38% | |||
| Non-Performing Loans to Loans | 1.43% | |||
| Balance Sheet |
Baybank
Gladstone, MI |
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| Total Assets | 173.38M | |||
| Total Deposits | 145.83M | |||
| Capital and Reserves |
Baybank
Gladstone, MI |
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| Capital | 17.34M | |||
| Leverage Ratio | 10.71 | |||
| Loan Loss Reserves to Loans | 1.44% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Baybank
Gladstone, MI |
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| Hot Money Ratio | 23.30% | |||
| Liquidity Ratio | 13.68% | |||
| Profitability |
Baybank
Gladstone, MI |
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| 5-Year Return on Average Assets | 1.21% | |||
| Net Income | 1.06M | |||
| Net Interest Spread | 4.75% | |||
| Operating Profit to Average Assets | 1.55% | |||
| Overhead Efficiency Ratio | 65.93% | |||
| Return on Assets | 1.23% | |||
| Return on Equity | 12.39% | |||