Guaranty Bank, National Association in Shamokin, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 01, 2001

Guaranty Bank, National Association in Shamokin, Pennsylvania (PA)
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Guaranty Bank, National Association - Overview

General
FDIC Certificate #: 7745
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: SunBank (#441)
Federal Reserve ID: 348319
Date Established: November 17, 1900
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 6 (Interstate: No)
OTS Docket #: 13414
FDIC's unique #: 4997
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 01, 2001
Last Structure Change Process Date: July 02, 2001
Last Data Update: July 02, 2001
Data Source Date: April 05, 2012
Location
Address: 10 South Market Street, Shamokin, PA 17872
County: Northumberland
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Harrisburg
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Combined Statistical Area (CSA): Sunbury-Lewisburg-Selinsgrove, PA (#526)
Core Based Statistical Area (CBSA): Sunbury, PA (#44980)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $129.0 mil

1992 - 1999 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, 2000)

Dollar figures in thousands
61Total employees (full-time equivalent)
$125,401Total assets
$10,442Cash and due from depository institutions
$6,087Interest-bearing balances
$32,490Securities
$0Federal funds sold & reverse repurchase agreements
$78,606Net loans & leases
$747Loan loss allowance
$0Trading account assets
$2,065Bank premises and fixed assets
$278Other real estate owned
$163Goodwill and other intangibles
$0Life insurance assets
$1,357All other assets
$125,401Total liabilities and capital
$117,439Total liabilities
$107,314Total deposits
$98,004Interest-bearing deposits
$107,314Deposits held in domestic offices
0.00%% insured (estimated)
$4,646Federal funds purchased & repurchase agreements
$0Trading liabilities
$4,700Other borrowed funds
$0Subordinated debt
$779All other liabilities
$7,962Total equity capital
$7,962Total bank equity capital
$7,962Perpetual preferred stock
$0Common stock
$1,070Surplus
$6,771Undivided profits
Memoranda
$121Noncurrent loans and leases
$3,223Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,684Earning assets
$0Long-term assets (5+ years)
$636Average Assets, year-to-date
$117,183Average Assets, quarterly
$38,632Volatile liabilities
$121,546Insider loans
$123,655FHLB advances
$17,007Loans and leases held for sale
$910Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$3,223Total unused commitments
$0Restructured Loans and leases
$756Derivatives

Income and Expense (December 31, 2000)

Dollar figures in thousands
$8,300Total interest income
$3,853Total interest expense
$4,447Net interest income
$0Provision for loan and lease losses
$483Total noninterest income
$0Fiduciary activities
$257Service charges on deposit accounts
$0Trading account gains & fees
$226Additional noninterest income
$3,400Total noninterest expense
$1,673Salaries and employee benefits
$478Premises and equipment expense
$1,249Additional noninterest expense
$1,530Pre-tax net operating income
$0Securities gains (losses)
$236Applicable income taxes
$1,294Income before extraordinary items
$0Extraordinary gains - net
$1,294Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$30Sale, conversion, retirement of capital stock, net
$609Net operating income

Performance and Condition Ratios (December 31, 2000)

Dollar figures in thousands
Performance Ratios (%, annualized)
7.35%Yield on earning assets
3.41%Cost of funding earning assets
3.94%Net interest margin
0.43%Noninterest income to earning assets
3.01%Noninterest expense to earning assets
1.06%Net operating income to assets
1.06%Return on assets (ROA)
1.26%Pretax return on assets
17.60%Return on equity (ROE)
9.32%Retained earnings to average equity (YTD only)
0.04%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
51.00%Efficiency ratio
68,357Assets per employee
2.06%Cash dividends to net income (YTD only)
Condition Ratios (%)
47.06%Loss allowance to loans
0.94%Loss allowance to noncurrent loans
44.36%Noncurrent assets plus other real estate owned to assets
1.56%Noncurrent loans to loans
2.12%Net loans and leases to deposits
73.25%Net loans and leases to core deposits
78.88%Equity capital to assets
6.35%Core capital (leverage) ratio
6.78%Tier 1 risk-based capital ratio
10.30%Total risk-based capital ratio
Memoranda
$11Average assets
$121,546Average earning assets
$7,352Average equity
$112,904Average loans

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