Guardian Bank in Valdosta, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Guardian Bank in Valdosta, Georgia (GA)
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Guardian Bank routing number info

Guardian Bank - Overview

  • General
  • FDIC Certificate #: 57127
    Status: Active
    Federal Reserve ID: 2989006
    Bank Holding Company (Regulatory Top Holder): Wb&T Bankshares, Inc. (RSSDID: 1493636, Location: Waycross, GA)
    Date Established: May 01, 2001
    WWW: http://www.guardianbankonline.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 358181
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: May 01, 2001
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: July 06, 2010
    Last Data Update: July 06, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 701 Wildwood Plantation Drive, Valdosta, GA 31602
    County: Lowndes
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Albany Ga
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Valdosta, GA (#46660)
    CBSA Metro Statistical Area: Valdosta, GA (#46660)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $229.1 mil
    Equity capital: $24.6 mil
    Deposits held in domestic offices: $203.6 mil
    Return on assets (ROA): 1.37% ($3.1 mil)
    Quarterly return on assets: 1.32% ($3.0 mil)
    Return on Equity (ROE): 13.31% ($3.3 mil)
    Quarterly return on equity: 12.41% ($3.1 mil)
    Net income: $3.0 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 1.37% ($3,139.2 mil)
    Quarterly Pretax return on assets: 1.32% ($3,024.6 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
  • 43Total employees (full-time equivalent)
  • $229,137Total assets
  • $18,333Cash and due from depository institutions
  • $3,162Interest-bearing balances
  • $32,728Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $169,659Net loans & leases
  • $3,195Loan loss allowance
  • $0Trading account assets
  • $4,703Bank premises and fixed assets
  • $1,130Other real estate owned
  • $0Goodwill and other intangibles
  • $229,137Life insurance assets
  • $2,584All other assets
  • $204,510Total liabilities and capital
  • $203,587Total liabilities
  • $178,531Total deposits
  • $203,587Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $923Subordinated debt
  • $24,627All other liabilities
  • $24,627Total equity capital
  • $24,627Total bank equity capital
  • $0Perpetual preferred stock
  • $3,000Common stock
  • $12,280Surplus
  • $9,347Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,796Income earned, not collected on loans
  • $51Earning assets
  • $1,036Long-term assets (5+ years)
  • $205,549Average Assets, year-to-date
  • $40,517Average Assets, quarterly
  • $220,495Volatile liabilities
  • $227,437Insider loans
  • $175,712FHLB advances
  • $226,297Loans and leases held for sale
  • $602Unused loan commitments
  • $602Tier 1 (core) risk-based capital
  • $24,201Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $38,274Restructured Loans and leases
  • $6,837Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,481Total interest income
  • $2,435Total interest expense
  • $8,046Net interest income
  • $1,018Provision for loan and lease losses
  • $981Total noninterest income
  • $0Fiduciary activities
  • $260Service charges on deposit accounts
  • $0Trading account gains & fees
  • $721Additional noninterest income
  • $5,023Total noninterest expense
  • $2,897Salaries and employee benefits
  • $704Premises and equipment expense
  • $1,422Additional noninterest expense
  • $2,986Pre-tax net operating income
  • $25Securities gains (losses)
  • $0Applicable income taxes
  • $3,011Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,011Net income attributable to bank
  • $0Net charge-offs
  • $3,011Cash dividends
  • $382Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.20%Yield on earning assets
  • 1.21%Cost of funding earning assets
  • 3.99%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 2.49%Noninterest expense to earning assets
  • 1.35%Net operating income to assets
  • 1.37%Return on assets (ROA)
  • 1.37%Pretax return on assets
  • 13.31%Return on equity (ROE)
  • 13.31%Retained earnings to average equity (YTD only)
  • 0.23%Net charge-offs to loans
  • 266.49%Credit loss provision to net charge-offs
  • 10.48%Efficiency ratio
  • 55,644Assets per employee
  • 5.33%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.85%Loss allowance to noncurrent loans
  • 177.90%Noncurrent assets plus other real estate owned to assets
  • 1.28%Noncurrent loans to loans
  • 1.04%Net loans and leases to deposits
  • 83.33%Net loans and leases to core deposits
  • 92.59%Equity capital to assets
  • 10.75%Core capital (leverage) ratio
  • 10.69%Tier 1 risk-based capital ratio
  • 13.77%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $220,495Average earning assets
  • $22,615Average equity
  • $201,648Average loans

List of branches

  • 3 Georgia Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    0358181Guardian Bank701 Wildwood Plantation Drive, Valdosta, GA 31602May 01, 2001Full Service Brick and Mortar
    1261476Ashley Street Office1906 North Ashley Street, Valdosta, GA 31602May 06, 1997Full Service Brick and Mortar
    3453550Norman Drive Office Branch246 Norman Drive, Valdosta, GA 31601April 03, 2006Full Service Brick and Mortar

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