Guaranty Bank in Springfield, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Guaranty Bank - Overview

  • General
  • FDIC Certificate #: 28670
    Status: Active
    Federal Reserve ID: 131173
    Bank Holding Company (Regulatory Top Holder): Guaranty Federal Bancshares, Inc. (RSSDID: 2618940, Location: Springfield, MO)
    Date Established: January 01, 1891
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 9 (Domestic: 9, Interstate: No)
    OTS Docket #: 2096
    FDIC's unique #: 41504
    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: Commercial Lending Specialization
    Date of Deposit Insurance: December 26, 1935
    Last Structure Change Effective Date: January 13, 2011
    Last Structure Change Process Date: January 18, 2011
    Last Data Update: January 18, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1341 West Battlefield, Springfield, MO 65807
    County: Greene
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Springfield, MO (#7920)
    Core Based Statistical Area (CBSA): Springfield, MO (#44180)
    CBSA Metro Statistical Area: Springfield, MO (#44180)
  • Financial Summary
  • Total assets: $647.7 mil
    Equity capital: $67.7 mil
    Deposits held in domestic offices: $485.8 mil
    Return on assets (ROA): 0.67% ($4.3 mil)
    Quarterly return on assets: 0.88% ($5.7 mil)
    Return on Equity (ROE): 6.78% ($4.6 mil)
    Quarterly return on equity: 8.56% ($5.8 mil)
    Net income: $4.5 mil
    Quarterly Net income: $1.4 mil
    Pretax return on assets: 0.82% ($5,311.1 mil)
    Quarterly Pretax return on assets: 1.06% ($6,865.6 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
  • 176Total employees (full-time equivalent)
  • $647,701Total assets
  • $32,451Cash and due from depository institutions
  • $24,961Interest-bearing balances
  • $81,221Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $482,664Net loans & leases
  • $10,613Loan loss allowance
  • $0Trading account assets
  • $11,268Bank premises and fixed assets
  • $10,012Other real estate owned
  • $0Goodwill and other intangibles
  • $647,701Life insurance assets
  • $30,085All other assets
  • $580,051Total liabilities and capital
  • $485,835Total liabilities
  • $428,268Total deposits
  • $485,835Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 25000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $68,050Trading liabilities
  • $0Other borrowed funds
  • $1,166Subordinated debt
  • $67,650All other liabilities
  • $67,650Total equity capital
  • $67,650Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $56,455Surplus
  • $11,095Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,703Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $17,001Income earned, not collected on loans
  • $0Earning assets
  • $2,139Long-term assets (5+ years)
  • $588,846Average Assets, year-to-date
  • $70,384Average Assets, quarterly
  • $676,572Volatile liabilities
  • $659,995Insider loans
  • $518,247FHLB advances
  • $656,219Loans and leases held for sale
  • $10,771Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $66,834Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $10,771Total unused commitments
  • $54,556Restructured Loans and leases
  • $6,558Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $30,377Total interest income
  • $9,000Total interest expense
  • $21,377Net interest income
  • $3,350Provision for loan and lease losses
  • $3,279Total noninterest income
  • $0Fiduciary activities
  • $1,309Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,970Additional noninterest income
  • $17,233Total noninterest expense
  • $8,703Salaries and employee benefits
  • $1,592Premises and equipment expense
  • $6,938Additional noninterest expense
  • $4,073Pre-tax net operating income
  • $1,506Securities gains (losses)
  • $1,052Applicable income taxes
  • $4,527Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,527Net income attributable to bank
  • $0Net charge-offs
  • $4,527Cash dividends
  • $5,820Sale, conversion, retirement of capital stock, net
  • $1,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.96%Yield on earning assets
  • 1.47%Cost of funding earning assets
  • 3.49%Net interest margin
  • 0.54%Noninterest income to earning assets
  • 2.82%Noninterest expense to earning assets
  • 0.49%Net operating income to assets
  • 0.67%Return on assets (ROA)
  • 0.82%Pretax return on assets
  • 6.78%Return on equity (ROE)
  • 5.29%Retained earnings to average equity (YTD only)
  • 1.15%Net charge-offs to loans
  • 57.56%Credit loss provision to net charge-offs
  • 1.28%Efficiency ratio
  • 69,894Assets per employee
  • 3.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 22.09%Loss allowance to loans
  • 2.15%Loss allowance to noncurrent loans
  • 62.43%Noncurrent assets plus other real estate owned to assets
  • 4.17%Noncurrent loans to loans
  • 3.45%Net loans and leases to deposits
  • 99.35%Net loans and leases to core deposits
  • 104.72%Equity capital to assets
  • 10.44%Core capital (leverage) ratio
  • 10.18%Tier 1 risk-based capital ratio
  • 12.90%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $676,572Average earning assets
  • $66,734Average equity
  • $611,914Average loans

List of branches

  • 9 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041504Guaranty Bank1341 West Battlefield, Springfield, MO 65807January 01, 1891Full Service Brick and Mortar
    1002697961510 E Sunshine Branch1510 East Sunshine, Springfield, MO 65804January 01, 1891Full Service Brick and Mortar
    1012697972109 N Glenstone Branch2109 North Glenstone, Springfield, MO 65803June 30, 1988Full Service Brick and Mortar
    1032697994343 South National Avenue Branch4343 South National Avenue, Springfield, MO 65810November 12, 1997Full Service Brick and Mortar
    107266208West Kearney Branch1909 West Kearney, Springfield, MO 65803November 28, 1994Full Service Brick and Mortar
    109451128Guaranty Bank - Republic Road Branch2155 West Republic Road, Springfield, MO 65807April 24, 2006Full Service Brick and Mortar
    110451129Guaranty Bank - South Nixa Office709 West Mount Vernon Street, Nixa, MO 65714August 01, 2005Full Service Brick and Mortar
    111477882Guaranty Bank - North Ozark Branch1701 West State Highway J, Ozark, MO 65721May 19, 2008Full Service Brick and Mortar
    112481034Guaranty Bank Nixa Highway Cc291 East Highway Cc, Nixa, MO 65714August 28, 2008Full Service Brick and Mortar

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