Guaranty Bank & Trust Company in Gatesville, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 31, 2000

  • Guaranty Bank & Trust Company in Gatesville, Texas (TX)
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Guaranty Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 1190
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Extraco Banks, National Association (#5551)
    Federal Reserve ID: 520656
    Date Established: January 01, 1913
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 816
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2000
    Last Structure Change Process Date: April 27, 2000
    Last Data Update: April 27, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 8th And Leon Streets, Gatesville, TX 76528
    County: Coryell
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Dallas
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Killeen-Temple, TX (#3810)
    Core Based Statistical Area (CBSA): Killeen-Temple-Fort Hood, TX (#28660)
    CBSA Metro Statistical Area: Killeen-Temple-Fort Hood, TX (#28660)
  • Financial Summary
  • Total assets: $114.8 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, 1999)

  • Dollar figures in thousands
  • 42Total employees (full-time equivalent)
  • $114,781Total assets
  • $3,913Cash and due from depository institutions
  • $0Interest-bearing balances
  • $30,894Securities
  • $8,315Federal funds sold & reverse repurchase agreements
  • $67,052Net loans & leases
  • $1,549Loan loss allowance
  • $0Trading account assets
  • $2,655Bank premises and fixed assets
  • $286Other real estate owned
  • $308Goodwill and other intangibles
  • $0Life insurance assets
  • $1,358All other assets
  • $114,781Total liabilities and capital
  • $105,856Total liabilities
  • $105,155Total deposits
  • $91,084Interest-bearing deposits
  • $105,155Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $701All other liabilities
  • $8,925Total equity capital
  • $8,925Total bank equity capital
  • $8,925Perpetual preferred stock
  • $0Common stock
  • $400Surplus
  • $6,500Undivided profits
  • Memoranda
  • $2,025Noncurrent loans and leases
  • $3,654Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $763Earning assets
  • $506Long-term assets (5+ years)
  • $666Average Assets, year-to-date
  • $106,261Average Assets, quarterly
  • $21,043Volatile liabilities
  • $114,118Insider loans
  • $116,229FHLB advances
  • $9,380Loans and leases held for sale
  • $508Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,654Total unused commitments
  • $1Restructured Loans and leases
  • $811Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $8,057Total interest income
  • $3,685Total interest expense
  • $4,372Net interest income
  • $34Provision for loan and lease losses
  • $987Total noninterest income
  • $4Fiduciary activities
  • $882Service charges on deposit accounts
  • $0Trading account gains & fees
  • $101Additional noninterest income
  • $3,633Total noninterest expense
  • $1,393Salaries and employee benefits
  • $441Premises and equipment expense
  • $1,799Additional noninterest expense
  • $1,692Pre-tax net operating income
  • $0Securities gains (losses)
  • $556Applicable income taxes
  • $1,136Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,136Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$14Sale, conversion, retirement of capital stock, net
  • $500Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.65%Yield on earning assets
  • 3.50%Cost of funding earning assets
  • 4.15%Net interest margin
  • 0.94%Noninterest income to earning assets
  • 3.45%Noninterest expense to earning assets
  • 1.00%Net operating income to assets
  • 1.00%Return on assets (ROA)
  • 1.48%Pretax return on assets
  • 12.92%Return on equity (ROE)
  • 7.23%Retained earnings to average equity (YTD only)
  • -0.02%Net charge-offs to loans
  • -242.86%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 66,094Assets per employee
  • 2.73%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 44.01%Loss allowance to loans
  • 2.26%Loss allowance to noncurrent loans
  • 203.01%Noncurrent assets plus other real estate owned to assets
  • 0.91%Noncurrent loans to loans
  • 1.11%Net loans and leases to deposits
  • 63.76%Net loans and leases to core deposits
  • 70.01%Equity capital to assets
  • 7.78%Core capital (leverage) ratio
  • 7.69%Tier 1 risk-based capital ratio
  • 13.86%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $114,118Average earning assets
  • $8,795Average equity
  • $105,343Average loans

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