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Security warning for Windows XP users. Microsoft is no longer providing security updates for Windows XP. Microsoft warns Windows XP users: "your computer will still work but it might become more vulnerable to security risks and viruses. Internet Explorer 8 is also no longer supported, so if your Windows XP PC is connected to the Internet and you use Internet Explorer 8 to surf the web, you might be exposing your PC to additional threats.” Customers using our services over the internet may not notice an immediate issue with service, but continued use of Windows XP could be placing your information at serious risk. We urge you to learn more to stay protected: Windows XP end of support

Kelly LuMaye

Kelly LuMaye
Mortgage Lender NMLS#495841

Experienced Builders and Bankers Help Make Construction Process Easier

When it comes to building a new home, the many owner choices, timelines, and specifications need to align within the construction process to fulfill the desired outcome. That is why it is crucial to choose your builder and lender carefully, and plan well in advance for this lifetime investment.

One way to determine what is available from a home building or remodeling perspective is to attend your area’s building expos and tours of new homes. These type of events connect you with local builders and vendors as well as financial service providers who can help you discover what is available to you when the time is right to construct and finance your new home.  more

Jim Smidel

By: Jim Smidel
Ag Lender
and Dairy Farmer

Dairy Farming Values

Did you know the first cows in the western hemisphere arrived with Christopher Columbus on his second voyage in 1493? Just like me, my cows have European ancestry. I have been dairy farming for over 30 years, and in banking for almost 15 years as a Lender at Baylake Bank. Farming and banking have changed a lot over this timeframe due in part to changing regulations, but also due to better practices in general. The U.S. dairy farmer has adopted new technologies and practices to become the most efficient business model in the history of the United States. In 1945 there were 26 million cows in the U.S producing around 3,850 pounds of milk per cow per year totaling 100 billion pounds. Today there are only 9 million cows producing over 22,000 pounds of milk per cow per year totaling over 200 billion pounds. That’s twice as much milk out of one third as many cows, thus reducing feed resources, water intake and manure. more

Matthew Lemke, Market Manager, NMLS #1136150

Matthew Lemke
Market Manager
NMLS #1136150

The Appleton Financial Center is Now Open!

Experience the added convenience of this full-service Financial Center.
Hours & Directions

Visit us in person or tour our online Education Center

Kelly Peterik

Kelly Peterik Mortgage Loan Officer/AVP
NMLS# 495842

First-Time Home Buyers in Wisconsin May be Eligible for Tax Credit

First-time home buyers in Wisconsin who meet eligibility requirements for income and home purchase price may be eligible for the Wisconsin Housing and Economic Development Authority (WHEDA) Tax Advantage, a Mortgage Credit Certificate Program. Eligible buyers may receive a maximum of $2,000 or 25% of the mortgage interest paid as a tax credit on their Federal income tax returns. Veterans are eligible to receive up to 40%. This tax credit is in addition to the normal mortgage interest deduction a homeowner may claim if they itemize on their Federal income tax returns.  more

Rick Schabo
Rick Schabo

Market President
Fox Valley

eBancInternet Explorer 11 eBanc Customers: If you are having issues when logging in to eBanc you may need to add the eBanc Log In webpage to your “Compatibility View Settings”.
    1) Go to eBanc log in screen; 
    2) Click “Tools” from the browser menu, then click “Compatibility View Settings”;
    3) Add this website: then click “Add”.
If you still have issues logging in, please use a different browser or call us at 1-800-267-3610 for assistance.

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Baylake Bank | 217 N. 4th Avenue, Sturgeon Bay, WI 54235-2405
(920) 743-5551 or (800) 267-3610
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Baylake eNews - March, 2014

Baylake Business Community eNews
March 2014

135 Years
Celebrating 135 Years!