Notice to Business Analysis Account Customers
RE: Earnings Credit Affected by Interest Rate Decreases  The Federal Reserve’s decreases to the fed funds rate in recent weeks will result in a lower earnings credit for our Business Analysis Account customers and may affect the amount of monthly average available balance you need in your account to avoid a service charge.

If you have questions regarding your Business Analysis Account or wish to complete an earnings credit worksheet please contact your banker. This analysis will help you determine the estimated monthly average available balance needed to avoid a service charge based on your business account activity. For questions on this or any other issue contact the Financial Center nearest you or call 1-800-267-3610.

Baylake Bank, ABA Provide Industry Perspectives on Economic Fluctuations & Deposit Stability
The purchase of Bear Stearns has focused a lot of attention on the financial services industry and especially on banks. This has raised some confusion, as institutions that perform many different types of services are called “banks.” The American Bankers Association (ABA) pointed out some key differences.  Continued

Gilson Leads Baylake Bank Lakeshore Region as Market President Mike Gilson is a familiar face at Baylake Bank, but has taken on a slightly new role over the past year. After serving the bank in various capacities for over 35 years, including loan officer and vice president of the bank’s commercial division, Gilson now heads up Baylake’s Lakeshore Region as President in the area.