Guaranty Bank and Trust Company in Belzoni, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Guaranty Bank and Trust Company in Belzoni, Mississippi (MS)
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Guaranty Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 15953
    Status: Active
    Federal Reserve ID: 84541
    Bank Holding Company (Regulatory Top Holder): Guaranty Capital Corporation (RSSDID: 1096952, Location: Belzoni, MS)
    Date Established: May 17, 1943
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 14 (Domestic: 14, Interstate: No)
    OTS Docket #: 9848
    FDIC's unique #: 10184
    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: May 17, 1943
    Last Structure Change Effective Date: June 26, 2006
    Last Structure Change Process Date: June 29, 2006
    Last Data Update: June 29, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 210 N. Hayden St, Belzoni, MS 39038
    County: Humphreys
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Jackson Ms
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Corrections
    Office Purchased
  • Financial Summary
  • Total assets: $535.5 mil
    Equity capital: $56.3 mil
    Deposits held in domestic offices: $452.7 mil
    Return on assets (ROA): 1.23% ($6.6 mil)
    Quarterly return on assets: 1.71% ($9.2 mil)
    Return on Equity (ROE): 11.67% ($6.5 mil)
    Quarterly return on equity: 16.30% ($9.1 mil)
    Net income: $6.4 mil
    Quarterly Net income: $2.3 mil
    Pretax return on assets: 1.23% ($6,586.7 mil)
    Quarterly Pretax return on assets: 1.71% ($9,157.2 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
  • 173Total employees (full-time equivalent)
  • $535,508Total assets
  • $35,985Cash and due from depository institutions
  • $15,560Interest-bearing balances
  • $115,983Securities
  • $600Federal funds sold & reverse repurchase agreements
  • $347,953Net loans & leases
  • $6,293Loan loss allowance
  • $0Trading account assets
  • $11,499Bank premises and fixed assets
  • $4,002Other real estate owned
  • $2,797Goodwill and other intangibles
  • $535,508Life insurance assets
  • $16,689All other assets
  • $479,223Total liabilities and capital
  • $452,664Total liabilities
  • $364,641Total deposits
  • $452,664Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 913.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $22,461Trading liabilities
  • $0Other borrowed funds
  • $3,185Subordinated debt
  • $56,285All other liabilities
  • $56,285Total equity capital
  • $56,285Total bank equity capital
  • $0Perpetual preferred stock
  • $328Common stock
  • $53,658Surplus
  • $2,299Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,483Income earned, not collected on loans
  • $0Earning assets
  • $3,686Long-term assets (5+ years)
  • $480,096Average Assets, year-to-date
  • $70,298Average Assets, quarterly
  • $518,522Volatile liabilities
  • $531,705Insider loans
  • $420,045FHLB advances
  • $515,609Loans and leases held for sale
  • $9,038Unused loan commitments
  • $1,001Tier 1 (core) risk-based capital
  • $57,728Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $8,037Total unused commitments
  • $58,680Restructured Loans and leases
  • $4,270Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $25,022Total interest income
  • $3,892Total interest expense
  • $21,130Net interest income
  • $2,497Provision for loan and lease losses
  • $7,157Total noninterest income
  • $6Fiduciary activities
  • $3,692Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,459Additional noninterest income
  • $18,679Total noninterest expense
  • $10,004Salaries and employee benefits
  • $2,818Premises and equipment expense
  • $5,857Additional noninterest expense
  • $7,111Pre-tax net operating income
  • -$715Securities gains (losses)
  • $0Applicable income taxes
  • $6,396Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,396Net income attributable to bank
  • $0Net charge-offs
  • $6,396Cash dividends
  • $2,147Sale, conversion, retirement of capital stock, net
  • $2,752Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.36%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 4.53%Net interest margin
  • 1.53%Noninterest income to earning assets
  • 4.00%Noninterest expense to earning assets
  • 1.37%Net operating income to assets
  • 1.23%Return on assets (ROA)
  • 1.23%Pretax return on assets
  • 11.67%Return on equity (ROE)
  • 6.65%Retained earnings to average equity (YTD only)
  • 0.62%Net charge-offs to loans
  • 116.30%Credit loss provision to net charge-offs
  • 4.48%Efficiency ratio
  • 63,846Assets per employee
  • 3.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 43.03%Loss allowance to loans
  • 1.78%Loss allowance to noncurrent loans
  • 140.37%Noncurrent assets plus other real estate owned to assets
  • 2.43%Noncurrent loans to loans
  • 1.27%Net loans and leases to deposits
  • 76.87%Net loans and leases to core deposits
  • 83.56%Equity capital to assets
  • 10.51%Core capital (leverage) ratio
  • 11.20%Tier 1 risk-based capital ratio
  • 13.74%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $518,522Average earning assets
  • $54,798Average equity
  • $466,801Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $11,012Managed Assets
  • 1Number of Accounts
  • $11,012Personal trust and agency accounts
  • $2,695Employee benefit-defined contribution accounts
  • $8,317Employee 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
  • 8Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 14 Mississippi Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010184Guaranty Bank And Trust Company210 N. Hayden St, Belzoni, MS 39038May 17, 1943Full Service Brick and Mortar
    2236114Hollandale Branch201 East Avenue South, Hollandale, MS 38748November 18, 1974Full Service Brick and Mortar
    3272411Indianola Branch215 Highway 82 West, Indianola, MS 38751June 30, 1988Full Service Brick and Mortar
    7219961Washington County Branch536 Washington Avenue, Greenville, MS 38701Febuary 06, 1980Full Service Brick and Mortar
    8219962Greenville South Shop. Ctr. BranchHighway 1 South, Greenville, MS 38701July 14, 1990Full Service Brick and Mortar
    9360806Highway 82 East BranchEast Branch, Greenville, MS 38701June 25, 2001Full Service Brick and Mortar
    11219111Vicksburg1900 Cherry Street, Vicksburg,, MS 39180June 18, 1999Full Service Brick and Mortar
    12364307Vicksburg Branch3430 Halls Ferry Road, Vicksburg, MS 39180May 07, 2002Full Service Brick and Mortar
    13365634Batesville Branch470 Highway 6 East, Batesville, MS 38606September 03, 2002Full Service Brick and Mortar
    14418955Senatobia Branch250 Norfleet Plaza, Senatobia, MS 38668March 17, 2003Full Service Brick and Mortar
    15457628Cleveland Branch307 North Davis Avenue, Cleveland, MS 38732January 08, 2007Full Service Brick and Mortar
    16470390Hernando Loan Production Office2600 Panola Street, Hernando, MS 38632January 21, 2008Limited Service Loan Production
    18473059Panola Street Branch2600 Panola Street, Hernando, MS 38632March 03, 2008Full Service Brick and Mortar
    19503120Mcingvale Road Branch2440 Mcingvale Road, Hernando, MS 38632Febuary 17, 2010Full Service Brick and Mortar

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