Vitals
  • Total Assets
    232.5M -1.5 %
  • Total Deposits
    206.6M -0.2 %
  • Total Net Loans
    114.7M -7.0 %
  • Net Income
    -3710000.0000 -6,388.1 %
  • Book Value
    25.6M -10.9 %
  • Book Value x2
    51.2M -10.9 %
  • Book Value x3
    76.8M -10.9 %
ROAA

-1.535

ROAE

-13.858

Efficiency Ratio

98.35

Net Interest Margin

3.322

Balance Sheet Highlights
Financial Highlights Bay Bank & Trust Co. All Insured Commercial Banks in Florida
Balance Sheet $(000)
Total Assets 232,517 319,091
Total Net Loans 114,661 200,242
Total Deposits 206,556 266,655
Total Equity 25,610 30,303
Profitability
Net Income -3,710 -766
Return on Average Assets -1.535 -.448
Return on Average Equity -13.858 -7.584
Net Interest Margin 3.322 3.562
Efficiency Ratio 98.35 90.676
Noninterest Income/Revenue 17.906 9.211
Balance Sheet Ratios
Loan-to-Deposit 55.511 73.586
Securities/Assets .115 .18
Total Equity/Total Assets .11 .095
Tangible Equity/Tangible Assets .11 .093
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 25,427 27,438
Tier 2 Capital 1,525 2,810
Total Capital 26,952 30,224
Total Risk Weighted Assets 121,279 212,049
Leverage Ratio 10.7 8.851
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 20.97 13.486
Total Capital Ratio 22.22 14.782

Timeline for Bay Bank & Trust Co.

Trustmark National Bank

Bay Bank & Trust Co. was acquired by Trustmark National Bank 12 years

View Profile Mar 17 2012

Florida Bay Sba, Inc.

Florida Bay Sba, Inc. became a new subsidiary organization for Bay Bank & Trust Co..

View Profile Jul 01 1991

Beach Drive Incorporated Dba Gulf Coast Seafood

Beach Drive Incorporated Dba Gulf Coast Seafood became a new subsidiary organization for Bay Bank & Trust Co..

View Profile Sep 22 1988

Bsb Of Panama City, Incorporated

Bsb Of Panama City, Incorporated became a new subsidiary organization for Bay Bank & Trust Co..

View Profile Dec 02 1985

Bayair Transportation, Incorporated

Bayair Transportation, Incorporated became a new subsidiary organization for Bay Bank & Trust Co..

View Profile Dec 02 1985

Want to see more?

Complete timeline for Bay Bank & Trust Co. is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Trustmark National Bank Buyer 13,160,266 Acquisition Discontinued 3/17/2012
Relationships Role Relationship Start Relationship End
Florida Bay Banks, Inc. Parent 7/19/1987 4/29/1994
Florida Bay Banks, Inc. Parent 3/19/1985 7/18/1987
Florida Bay Banks, Inc. Parent 5/17/1984 3/18/1985
Florida Bay Banks, Inc. Parent 11/1/1983 5/16/1984
Florida Bay Sba, Inc. Subsidary 4/30/1994 8/26/1994
Messenger, Inc., The Subsidary 11/1/1983 4/29/1994
Bsb Of Panama City, Incorporated Subsidary 12/2/1985 4/29/1994
Bayair Transportation, Incorporated Subsidary 12/2/1985 4/29/1994
Florida Bay Sba, Inc. Subsidary 7/1/1991 4/29/1994
Beach Drive Incorporated Dba Gulf Coast Seafood Subsidary 9/22/1988 8/13/1993
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