Guaranty Bank and Trust Company in Denver, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches


Guaranty Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 17482
    Status: Active
    Federal Reserve ID: 666657
    Bank Holding Company (Regulatory Top Holder): Guaranty Bancorp (RSSDID: 3254952, Location: Denver, CO)
    Date Established: June 30, 1955
    WWW: http://www.guarantybankco.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 34 (Domestic: 34, Interstate: No)
    OTS Docket #: 10779
    FDIC's unique #: 11466
    Numeric code: 13
    Regulator: FED
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: August 15, 1955
    Last Structure Change Effective Date: December 08, 2010
    Last Structure Change Process Date: December 21, 2010
    Last Data Update: December 21, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 1331 17th Street, Denver, CO 80202
    County: Denver
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Denver
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Denver, CO (#2080)
    Consolidated Metropolitan Statistical Area (CMSA): Denver-Boulder-Greeley, CO (#34)
    Combined Statistical Area (CSA): Denver-Aurora-Boulder, CO (#216)
    Core Based Statistical Area (CBSA): Denver-Aurora-Broomfield, CO (#19740)
    CBSA Metro Statistical Area: Denver-Aurora-Broomfield, CO (#19740)
  • Financial Summary
  • Total assets: $1,687.8 mil
    Equity capital: $200.9 mil
    Deposits held in domestic offices: $1,331.8 mil
    Return on assets (ROA): 0.58% ($9.8 mil)
    Quarterly return on assets: 0.70% ($11.8 mil)
    Return on Equity (ROE): 5.30% ($10.7 mil)
    Quarterly return on equity: 5.95% ($12.0 mil)
    Net income: $10.3 mil
    Quarterly Net income: $3.0 mil
    Pretax return on assets: 0.58% ($9,789.2 mil)
    Quarterly Pretax return on assets: 0.70% ($11,814.6 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
  • 350Total employees (full-time equivalent)
  • $1,687,800Total assets
  • $109,192Cash and due from depository institutions
  • $84,448Interest-bearing balances
  • $370,057Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,063,479Net loans & leases
  • $34,661Loan loss allowance
  • $0Trading account assets
  • $53,057Bank premises and fixed assets
  • $29,027Other real estate owned
  • $9,963Goodwill and other intangibles
  • $1,687,800Life insurance assets
  • $53,025All other assets
  • $1,486,869Total liabilities and capital
  • $1,331,829Total liabilities
  • $863,335Total deposits
  • $1,331,829Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 16617.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $110,178Trading liabilities
  • $0Other borrowed funds
  • $28,245Subordinated debt
  • $200,931All other liabilities
  • $200,931Total equity capital
  • $200,931Total bank equity capital
  • $0Perpetual preferred stock
  • $5,000Common stock
  • $654,682Surplus
  • $-458,751Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $26,807Income earned, not collected on loans
  • $684Earning assets
  • $4,997Long-term assets (5+ years)
  • $1,517,984Average Assets, year-to-date
  • $414,128Average Assets, quarterly
  • $1,764,552Volatile liabilities
  • $1,689,139Insider loans
  • $1,348,160FHLB advances
  • $1,674,042Loans and leases held for sale
  • $14,514Unused loan commitments
  • $13,340Tier 1 (core) risk-based capital
  • $193,072Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,174Total unused commitments
  • $262,902Restructured Loans and leases
  • $2Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $74,227Total interest income
  • $11,564Total interest expense
  • $62,663Net interest income
  • $5,000Provision for loan and lease losses
  • $11,024Total noninterest income
  • $1,203Fiduciary activities
  • $4,820Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,001Additional noninterest income
  • $62,136Total noninterest expense
  • $23,604Salaries and employee benefits
  • $10,677Premises and equipment expense
  • $27,855Additional noninterest expense
  • $6,551Pre-tax net operating income
  • $3,703Securities gains (losses)
  • $0Applicable income taxes
  • $10,254Income before extraordinary items
  • $0Extraordinary gains - net
  • $10,254Net income attributable to bank
  • $0Net charge-offs
  • $10,254Cash dividends
  • $17,408Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.72%Yield on earning assets
  • 0.74%Cost of funding earning assets
  • 3.98%Net interest margin
  • 0.70%Noninterest income to earning assets
  • 3.95%Noninterest expense to earning assets
  • 0.37%Net operating income to assets
  • 0.58%Return on assets (ROA)
  • 0.58%Pretax return on assets
  • 5.30%Return on equity (ROE)
  • 5.30%Retained earnings to average equity (YTD only)
  • 1.54%Net charge-offs to loans
  • 28.72%Credit loss provision to net charge-offs
  • 0.66%Efficiency ratio
  • 78,772Assets per employee
  • 4.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.16%Loss allowance to noncurrent loans
  • 129.30%Noncurrent assets plus other real estate owned to assets
  • 3.37%Noncurrent loans to loans
  • 2.44%Net loans and leases to deposits
  • 79.85%Net loans and leases to core deposits
  • 82.04%Equity capital to assets
  • 11.90%Core capital (leverage) ratio
  • 11.53%Tier 1 risk-based capital ratio
  • 14.32%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $1,764,552Average earning assets
  • $193,340Average equity
  • $1,572,589Average 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
  • $152,730Managed Assets
  • 1Number of Accounts
  • $131,909Personal trust and agency accounts
  • $103,292Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $1,834Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $12,540Other fiduciary accounts
  • $14,243Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 326Number of Accounts
  • $0Personal trust and agency accounts
  • $1,834Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $20,821Other retirement accounts
  • $1,537Corporate trust and agency accounts
  • $4,514Other fiduciary accounts
  • $9,057Fiduciary accounts held in foreign offices

List of branches

  • 34 Colorado Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011466Guaranty Bank And Trust Company1331 17th Street, Denver, CO 80202June 30, 1955Full Service Brick and Mortar
    2241793Denver Tech Center Branch5445 Dtc Pkwy, Englewood, CO 80111April 08, 1996Full Service Brick and Mortar
    3241794Cherry Creek Branch3301 East 1st Avenue, Denver, CO 80206April 28, 1997Full Service Brick and Mortar
    4241795Gateway Park Branch3950 Lewiston Street, Aurora, CO 80011March 23, 1998Full Service Brick and Mortar
    5361323Jefferson Branch16800 West Colfax Avenue, Golden, CO 80401August 07, 2000Full Service Brick and Mortar
    6361324Meridian Branch11806 Oswego Street, Englewood, CO 80112January 16, 2001Full Service Brick and Mortar
    9363071Cherry Hills Branch6501 East Belleview, Englewood, CO 80111January 02, 2002Full Service Brick and Mortar
    11427756Boulder Branch1375 Walnut Street, Boulder, CO 80305November 29, 2003Full Service Brick and Mortar
    13437828Castle Pines Branch856 W Happy Canyon Road, #100, Castle Rock, CO 80108Febuary 07, 2005Full Service Brick and Mortar
    141947Strasburg Branch56540 East Colfax Avenue, Strasburg, CO 80136March 17, 1917Full Service Brick and Mortar
    1517170Bennett Branch101 West Centennial Drive, Bennett, CO 80102August 25, 1983Full Service Brick and Mortar
    169413Byers Branch538 North Highway 36, Byers, CO 80103December 10, 1910Full Service Brick and Mortar
    17196048Brighton Branch2707 E Bromley Lane, Brighton, CO 80601September 15, 1997Full Service Brick and Mortar
    1832170Castle Rock Branch120 South Wilcox Street, Castle Rock, CO 80104Febuary 11, 1985Full Service Brick and Mortar
    19429748Parker Branch18999 East Mainstreet, Parker, CO 80134Febuary 25, 2004Full Service Brick and Mortar
    2056838Arvada Bank Branch5025 Kipling Street, Wheat Ridge, CO 80033May 31, 1996Full Service Brick and Mortar
    21357395Ken Caryl Branch12644 W. Indore Place, Littleton, CO 80127August 07, 2000Full Service Brick and Mortar
    22364146Westminster Branch1197 West 120th Avenue, Westminster, CO 80234April 23, 2002Full Service Brick and Mortar
    23451591South Boulder Branch2460 Baseline Road, Boulder, CO 80305June 05, 2006Full Service Brick and Mortar
    259814Fort Collins South Branch4650 Royal Vista Circle, Fort Collins, CO 80528May 15, 1937Full Service Brick and Mortar
    26234452West Greeley Branch2700 47th Ave, Greeley, CO 80634December 13, 1994Full Service Brick and Mortar
    27234453Downtown Greeley930 11th Avenue, Greeley, CO 80631October 15, 1997Full Service Brick and Mortar
    28234455Harmony Branch1550 East Harmony Road, Fort Collins, CO 80525March 29, 1999Full Service Brick and Mortar
    29234456Longmont Del Camino Branch3561 Stagecoach Road, Longmont, CO 80504November 10, 1998Full Service Brick and Mortar
    30260974North Loveland Branch3151 No. Garfield Ave, Loveland, CO 80538July 31, 1996Full Service Brick and Mortar
    31361128Eaton Branch100 Oak Avenue, Eaton, CO 80615July 07, 2000Full Service Brick and Mortar
    321896Berthoud Branch807 Mountain Avenue, Berthoud, CO 80513April 01, 1892Full Service Brick and Mortar
    33364938West Loveland Branch1401 S Taft, Loveland, CO 80537June 24, 2002Full Service Brick and Mortar
    341933Longmont Branch401 Main Street, Longmont, CO 80501October 01, 1871Full Service Brick and Mortar
    35196039Twin Peaks Branch1050 So. Hover St., #202, Longmont, CO 80501May 16, 1994Full Service Brick and Mortar
    36361855Fox Creek Branch1650 Pace Street, Longmont, CO 80501September 04, 2001Full Service Brick and Mortar
    3736222Fort Collins Branch2900 South College Avenue #204, Fort Collins, CO 80525January 26, 1987Full Service Brick and Mortar
    38430007Lafayette Branch565 W. South Boulder Road, Lafayette, CO 80026January 13, 2004Full Service Brick and Mortar
    39461639Mulberry Branch1210 E. Mulberry Street, Fort Collins, CO 80524December 11, 2006Full Service Brick and Mortar

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