Guaranty Bank & Trust Company of Delhi, Louisiana in Delhi, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Guaranty Bank & Trust Company of Delhi, Louisiana - Overview

  • General
  • FDIC Certificate #: 19638
    Status: Active
    Federal Reserve ID: 969255
    Bank Holding Company (Regulatory Top Holder): Delhi Bancshares, Inc. (RSSDID: 1107090, Location: Delhi, LA)
    Date Established: October 15, 1966
    WWW: http://www.gbankla.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    FDIC's unique #: 13437
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 15, 1966
    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: Oak And Georgia Streets, Delhi, LA 71232
    County: Richland
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Shreveport
    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: $130.4 mil
    Equity capital: $12.4 mil
    Deposits held in domestic offices: $108.7 mil
    Return on assets (ROA): 2.21% ($2.9 mil)
    Quarterly return on assets: 2.24% ($2.9 mil)
    Return on Equity (ROE): 22.67% ($2.7 mil)
    Quarterly return on equity: 23.71% ($2.8 mil)
    Net income: $2.8 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 2.21% ($2,882.5 mil)
    Quarterly Pretax return on assets: 2.24% ($2,921.7 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
  • 44Total employees (full-time equivalent)
  • $130,432Total assets
  • $28,102Cash and due from depository institutions
  • $25,412Interest-bearing balances
  • $12,360Securities
  • $7,200Federal funds sold & reverse repurchase agreements
  • $78,188Net loans & leases
  • $715Loan loss allowance
  • $0Trading account assets
  • $1,619Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $130,432Life insurance assets
  • $2,963All other assets
  • $118,023Total liabilities and capital
  • $108,735Total liabilities
  • $67,481Total deposits
  • $108,735Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,064Trading liabilities
  • $0Other borrowed funds
  • $224Subordinated debt
  • $12,409All other liabilities
  • $12,409Total equity capital
  • $12,409Total bank equity capital
  • $0Perpetual preferred stock
  • $499Common stock
  • $3,501Surplus
  • $8,409Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $32Income earned, not collected on loans
  • $0Earning assets
  • $744Long-term assets (5+ years)
  • $123,160Average Assets, year-to-date
  • $20,218Average Assets, quarterly
  • $124,910Volatile liabilities
  • $130,974Insider loans
  • $83,974FHLB advances
  • $134,319Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,383Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,472Restructured Loans and leases
  • $2,077Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,506Total interest income
  • $832Total interest expense
  • $5,674Net interest income
  • $217Provision for loan and lease losses
  • $1,165Total noninterest income
  • $0Fiduciary activities
  • $752Service charges on deposit accounts
  • $0Trading account gains & fees
  • $413Additional noninterest income
  • $3,859Total noninterest expense
  • $2,403Salaries and employee benefits
  • $579Premises and equipment expense
  • $877Additional noninterest expense
  • $2,763Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $2,763Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,763Net income attributable to bank
  • $0Net charge-offs
  • $2,763Cash dividends
  • $35Sale, conversion, retirement of capital stock, net
  • $2,115Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.56%Yield on earning assets
  • 0.71%Cost of funding earning assets
  • 4.85%Net interest margin
  • 1.00%Noninterest income to earning assets
  • 3.30%Noninterest expense to earning assets
  • 2.21%Net operating income to assets
  • 2.21%Return on assets (ROA)
  • 2.21%Pretax return on assets
  • 22.67%Return on equity (ROE)
  • 5.32%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 620.00%Credit loss provision to net charge-offs
  • 85.14%Efficiency ratio
  • 56,426Assets per employee
  • 2.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 76.55%Loss allowance to loans
  • 0.91%Loss allowance to noncurrent loans
  • 2234.38%Noncurrent assets plus other real estate owned to assets
  • 0.02%Noncurrent loans to loans
  • 0.04%Net loans and leases to deposits
  • 71.91%Net loans and leases to core deposits
  • 77.40%Equity capital to assets
  • 9.51%Core capital (leverage) ratio
  • 9.22%Tier 1 risk-based capital ratio
  • 14.75%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $124,910Average earning assets
  • $12,188Average equity
  • $116,929Average loans

List of branches

  • 7 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013437Guaranty Bank & Trust Company Of Delhi, LouisianaOak And Georgia Streets, Delhi, LA 71232October 15, 1966Full Service Brick and Mortar
    1249089Rayville Branch802 South Julia Street, Rayville, LA 71269November 04, 1974Full Service Brick and Mortar
    2249090Drive-In Branch602 Broadway Street, Delhi, LA 71232Febuary 03, 1984Limited Service Facility
    316260Madison Branch13 Crothers Drive, Richmond, LA 71282September 22, 1980Full Service Brick and Mortar
    4249091Epps Branch938 Highway 17, Epps, LA 71237September 18, 1997Full Service Brick and Mortar
    5249092Oak Grove Branch109 Constitution Avenue, Oak Grove, LA 71263March 25, 1998Full Service Brick and Mortar
    6443026Start Branch2899 Louisiana Hwy 133, Rayville, LA 71269July 20, 2005Full Service Brick and Mortar

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