Bay Commercial Bank - Bay Commercial Bank

Bay Commercial Bank was conceived with the realization that clients deserve access to decision-makers. They deserve the opportunity to have relationships with contacts at their bank that bring knowledge to the table, knowledge that can be used to advance the goals of the client's business. In short, they deserve what they themselves strive to provide to their clients, knowledgeable and professional service.

BCB News

FDIC's Transaction Account Guarantee Program
Bay Commercial Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010 all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules. If you have any questions, please contact us at 925-476-1800.

Remote Deposit Capture - Scan-A-Check

If you haven't experienced the convenience of Scan-A-Check, you don't know what you are missing. Make deposits from the friendly confines of your own office. For more information, please contact us at 925-476-1800. Don't forget to check out www.scan-a-check.com.

Report Card

Bay Commercial Bank maintains a Five Star Rating by Bauer Financial (May 15, 2010).

The following is excerpted from the Bauer Financial Website.

	Superior (These institutions are on BauerFinancial's Superior Bank & Thrift Report and the Recommended Bank & Thrift Report).
	Excellent (These institutions are also on BauerFinancial's Recommended Bank & Thrift Report.)
	Good
	Adequate
	Problematic
	Troubled
ZERO	Our lowest star rating
S.U.	Start-up bank. Institutions that are too new to rate.
N.R.	Credit Unions that either: have less than $1.5 million in assets or are not NCUA insured.
RSLVD	Institutions that have been resolved or liquidated since the reporting date.

Financial data is compiled for U.S. banks and thrifts from call report data as reported to federal regulators. Although the financial data obtained from these sources is consistently reliable, the accuracy and completeness of the data cannot be guaranteed by BauerFinancial Inc. In addition to the capital ratio, other criteria are used to determine the BauerFinancial™ Star-Rating. Some of these include but are not limited to: profitability/loss trend, evaluating the level of delinquent loans, chargeoffs and repossessed assets, the market versus book value of the investment portfolio, regulatory supervisory agreements, the community reinvestment rating (CRA), historical data and liquidity.

Please visit www.bauerfinancial.com for more details.

1031 Exchanges
Did you know that Bay Commercial Bank performs Qualified Intermediary services?

All institutions are subject to federal regulatory capital requirements, but those requirements vary among institutions and are dependent on many factors. In general, institutions are required to maintain a tangible capital ratio of at least 4%, a tier 1 risk-based capital ratio of at least 4% and a total risk-based capital ratio of at least 8%.

Bankers Exchange Services, a division of Bay Commercial Bank, was formed for the purpose of executing 1031 exchange services on behalf of the investing public nationwide.

Lloyd W. Kendall, Jr. a noted expert and lecturer in the field, and is a director of Bay Commercial Bank. Bankers Exchange Services (BES) is fortunate to be associated with someone as accomplished as Lloyd in I.R.C. 1031. Mr. Kendall has structured in excess of 30,000 exchanges throughout the United States, Mr. Kendall and his former company Lawyers Asset Management, Inc., have produced tax savings for their clients estimated to be in excess of two billion dollars. Mr. Kendall is a principal of Lawyers 1031 Exchange. The company, headquartered in Oakland, facilitates Reverse 1031 Exchanges.