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

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
    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
  • NoIDNameAddressEstablishedService TypeMap
    011011Guaranty Bank609 Main Street, Mamou, LA 70554August 01, 1950Full Service Brick and Mortar
    1239545Reddell-Vidrine Branch5557 Vidrine Road, Ville Platte, LA 70586October 01, 1974Full Service Brick and Mortar
    244380Eunice Branch300 Park Avenue, Eunice, LA 70535July 03, 1967Full Service Brick and Mortar
    344756Ville Platte Branch1311 West Lasalle Street, Ville Platte, LA 70586March 16, 1978Full Service Brick and Mortar

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