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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