Guaranty Bank & Trust in Kansas City, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 12, 2002

  • Guaranty Bank & Trust in Kansas City, Kansas (KS)
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Guaranty Bank & Trust - Overview

  • General
  • FDIC Certificate #: 5827
    Status: Inactive
    Closing history: Participated in Reorganization
    Acquiring institution: Security Bank of Kansas City (#4705)
    Federal Reserve ID: 251053
    Date Established: January 01, 1919
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    OTS Docket #: 11284
    FDIC's unique #: 3985
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 12, 2002
    Last Structure Change Process Date: August 12, 2002
    Last Data Update: August 12, 2002
    Data Source Date: April 05, 2012
  • Location
  • Address: 1000 Minnesota Avenue, Kansas City, KS 66101
    County: Wyandotte
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760)
    Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
    Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
    CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
  • History of Changes
  • Merger - Without Assistance
    Participated in Reorganization
  • Financial Summary
  • Total assets: $171.1 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, 2001)

  • Dollar figures in thousands
  • 72Total employees (full-time equivalent)
  • $192,042Total assets
  • $10,200Cash and due from depository institutions
  • $1,573Interest-bearing balances
  • $24,059Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $144,819Net loans & leases
  • $1,716Loan loss allowance
  • $0Trading account assets
  • $6,498Bank premises and fixed assets
  • $1,138Other real estate owned
  • $1,807Goodwill and other intangibles
  • $0Life insurance assets
  • $3,521All other assets
  • $192,042Total liabilities and capital
  • $173,081Total liabilities
  • $145,195Total deposits
  • $117,494Interest-bearing deposits
  • $145,195Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $21,482Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $5,000Other borrowed funds
  • $0Subordinated debt
  • $1,404All other liabilities
  • $18,961Total equity capital
  • $18,961Total bank equity capital
  • $18,961Perpetual preferred stock
  • $0Common stock
  • $846Surplus
  • $11,563Undivided profits
  • Memoranda
  • $6,552Noncurrent loans and leases
  • $52,907Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,396Earning assets
  • $0Long-term assets (5+ years)
  • $1,477Average Assets, year-to-date
  • $170,451Average Assets, quarterly
  • $1,170Volatile liabilities
  • $196,732Insider loans
  • $193,165FHLB advances
  • $52,431Loans and leases held for sale
  • $2,927Unused loan commitments
  • $5,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $23,298Total risk weighted assets
  • $52,907Total unused commitments
  • $0Restructured Loans and leases
  • $1,716Derivatives

Income and Expense (December 31, 2001)

  • Dollar figures in thousands
  • $14,677Total interest income
  • $7,184Total interest expense
  • $7,493Net interest income
  • $2,787Provision for loan and lease losses
  • $2,536Total noninterest income
  • $6Fiduciary activities
  • $862Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,668Additional noninterest income
  • $6,621Total noninterest expense
  • $3,467Salaries and employee benefits
  • $686Premises and equipment expense
  • $2,468Additional noninterest expense
  • $621Pre-tax net operating income
  • $0Securities gains (losses)
  • $256Applicable income taxes
  • $365Income before extraordinary items
  • $0Extraordinary gains - net
  • $365Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $2,638Sale, conversion, retirement of capital stock, net
  • $167Net operating income

Performance and Condition Ratios (December 31, 2001)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.25%Yield on earning assets
  • 4.04%Cost of funding earning assets
  • 4.21%Net interest margin
  • 1.42%Noninterest income to earning assets
  • 3.72%Noninterest expense to earning assets
  • 0.19%Net operating income to assets
  • 0.19%Return on assets (ROA)
  • 0.32%Pretax return on assets
  • 1.88%Return on equity (ROE)
  • 1.02%Retained earnings to average equity (YTD only)
  • 1.83%Net charge-offs to loans
  • 105.65%Credit loss provision to net charge-offs
  • 1.29%Efficiency ratio
  • 63,865Assets per employee
  • 2.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.75%Loss allowance to loans
  • 1.17%Loss allowance to noncurrent loans
  • 122.92%Noncurrent assets plus other real estate owned to assets
  • 1.32%Noncurrent loans to loans
  • 0.95%Net loans and leases to deposits
  • 99.74%Net loans and leases to core deposits
  • 126.76%Equity capital to assets
  • 9.87%Core capital (leverage) ratio
  • 8.98%Tier 1 risk-based capital ratio
  • 11.31%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $196,732Average earning assets
  • $19,442Average equity
  • $177,969Average loans

Total Fiduciary and Related Assets (December 31, 2001)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $7,107Managed Assets
  • 1Number of Accounts
  • $2,347Personal trust and agency accounts
  • $512Employee benefit-defined contribution accounts
  • $1,835Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 25Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $4,760Other retirement accounts
  • $954Corporate trust and agency accounts
  • $3,806Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

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