Guaranty Bank in city_name, state_name - Detailed Financial Reports, Location

Guaranty Bank in Mamou, Louisiana (LA)
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Guaranty Bank routing number info

Guaranty Bank - Overview

General
FDIC Certificate #: 16928
Status: Active
Federal Reserve ID: 53239
Bank Holding Company (Regulatory Top Holder): Guaranty Capital Corporation (RSSDID: 1131808, Location: Mamou, LA)
Date Established: August 01, 1950
WWW: http://www.gotoguaranty.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 11011
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: August 01, 1950
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 609 Main Street, Mamou, LA 70554
County: Evangeline
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Baton Rouge
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Western
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $136.1 mil
Equity capital: $14.8 mil
Deposits held in domestic offices: $120.2 mil
Return on assets (ROA): 0.73% ($1.0 mil)
Quarterly return on assets: 0.62% ($0.8 mil)
Return on Equity (ROE): 6.84% ($1.0 mil)
Quarterly return on equity: 5.61% ($0.8 mil)
Net income: $0.9 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.95% ($1,293.1 mil)
Quarterly Pretax return on assets: 0.82% ($1,116.1 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
53Total employees (full-time equivalent)
$136,114Total assets
$29,779Cash and due from depository institutions
$25,775Interest-bearing balances
$38,590Securities
$250Federal funds sold & reverse repurchase agreements
$64,400Net loans & leases
$1,103Loan loss allowance
$0Trading account assets
$1,340Bank premises and fixed assets
$280Other real estate owned
$0Goodwill and other intangibles
$136,114Life insurance assets
$1,475All other assets
$121,269Total liabilities and capital
$120,195Total liabilities
$85,541Total deposits
$120,195Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,074Subordinated debt
$14,845All other liabilities
$14,845Total equity capital
$14,845Total bank equity capital
$0Perpetual preferred stock
$1,440Common stock
$4,560Surplus
$8,845Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$650Income earned, not collected on loans
$0Earning assets
$789Long-term assets (5+ years)
$129,015Average Assets, year-to-date
$28,748Average Assets, quarterly
$130,502Volatile liabilities
$134,851Insider loans
$61,946FHLB advances
$135,651Loans and leases held for sale
$300Unused loan commitments
$300Tier 1 (core) risk-based capital
$13,302Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,206Restructured Loans and leases
$2,172Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$5,581Total interest income
$1,045Total interest expense
$4,536Net interest income
$0Provision for loan and lease losses
$555Total noninterest income
$0Fiduciary activities
$326Service charges on deposit accounts
$0Trading account gains & fees
$229Additional noninterest income
$3,850Total noninterest expense
$2,289Salaries and employee benefits
$427Premises and equipment expense
$1,134Additional noninterest expense
$1,241Pre-tax net operating income
$0Securities gains (losses)
$292Applicable income taxes
$949Income before extraordinary items
$0Extraordinary gains - net
$949Net income attributable to bank
$0Net charge-offs
$949Cash dividends
$121Sale, conversion, retirement of capital stock, net
$202Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.49%Yield on earning assets
0.84%Cost of funding earning assets
3.65%Net interest margin
0.45%Noninterest income to earning assets
3.10%Noninterest expense to earning assets
0.73%Net operating income to assets
0.73%Return on assets (ROA)
0.95%Pretax return on assets
6.84%Return on equity (ROE)
5.39%Retained earnings to average equity (YTD only)
0.18%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
10.26%Efficiency ratio
75,624Assets per employee
2.57%Cash dividends to net income (YTD only)
Condition Ratios (%)
21.29%Loss allowance to loans
1.68%Loss allowance to noncurrent loans
169.69%Noncurrent assets plus other real estate owned to assets
0.68%Noncurrent loans to loans
0.99%Net loans and leases to deposits
53.58%Net loans and leases to core deposits
56.11%Equity capital to assets
10.91%Core capital (leverage) ratio
9.81%Tier 1 risk-based capital ratio
21.47%Total risk-based capital ratio
Memoranda
$23Average assets
$130,502Average earning assets
$13,867Average equity
$124,224Average loans

List of branches

4 Louisiana Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	11011	Guaranty Bank	609 Main Street, Mamou, LA 70554	August 01, 1950	Full Service Brick and Mortar
1	239545	Reddell-Vidrine Branch	5557 Vidrine Road, Ville Platte, LA 70586	October 01, 1974	Full Service Brick and Mortar
2	44380	Eunice Branch	300 Park Avenue, Eunice, LA 70535	July 03, 1967	Full Service Brick and Mortar
3	44756	Ville Platte Branch	1311 West Lasalle Street, Ville Platte, LA 70586	March 16, 1978	Full Service Brick and Mortar

Guaranty Bank in Mamou, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Guaranty Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Guaranty Bank in Mamou, Louisiana (LA)Overview, Financial Summary, Detailed Financial Reports, Branches

Guaranty Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Guaranty Bank in Mamou, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches