Baylake's Customers Performance

Other services and products we offer include safe deposit box services, personal and business trust services, brokerage services, treasury management, private banking, financial planning and electronic banking services, including mobile banking, and eBanc, an internet banking product for our customers. Additionally, we offer investment advisory services through Admiral.

The tourism/recreation industry, particularly in the Door County market, substantially affects our business with our customers, particularly those customers in the restaurant and lodging businesses. The tourist business of Door County is largely seasonal, with the vast majority of tourist vacationing beginning in early spring and continuing until late fall. Although businesses and customers involved in the delivery of tourism-related services have financial needs throughout the entire year, the seasonal nature of the tourism business tends to result in increased demands for loans shortly before and during the tourist season and causes reduced deposits shortly before and during the early part of the tourist season. Although more pronounced in the past, this seasonality has become lessened by the continued growth of other industries throughout our markets in the past few years.