Guaranty Bank and Trust Company in New Roads, Louisiana (LA)



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Guaranty Bank and Trust Company routing number info

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Guaranty Bank and Trust Company
GeneralFDIC Certificate #: 17767
Status: Active
Federal Reserve ID: 289739
Bank Holding Company (Regulatory Top Holder): Great Guaranty Bancshares, Inc. (RSSDID: 1083158, Location: New Roads, LA)
Date Established: June 29, 1957
WWW: http://www.guaranty-bnk.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 11799
FDIC's unique #: 11721
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: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: June 29, 1957
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
LocationAddress: 175 New Roads Street, New Roads, LA 70760
County: Pointe Coupee
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Baton Rouge
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Western
Combined Statistical Area (CSA): Baton Rouge-Pierre Part, LA (#132)
Core Based Statistical Area (CBSA): Baton Rouge, LA (#12940)
CBSA Metro Statistical Area: Baton Rouge, LA (#12940)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $130.1 mil
Equity capital: $13.4 mil
Deposits held in domestic offices: $113.4 mil
Return on assets (ROA): 1.27% ($1.7 mil)
Quarterly return on assets: 1.38% ($1.8 mil)
Return on Equity (ROE): 13.05% ($1.7 mil)
Quarterly return on equity: 13.51% ($1.8 mil)
Net income: $1.6 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.92% ($2,498.7 mil)
Quarterly Pretax return on assets: 1.77% ($2,303.5 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)
Total employees (full-time equivalent)43
Total assets$130,142
Cash and due from depository institutions$4,831
Interest-bearing balances$2,392
Securities$20,064
Federal funds sold & reverse repurchase agreements$225
Net loans & leases$97,779
Loan loss allowance $996
Trading account assets$0
Bank premises and fixed assets$4,396
Other real estate owned$1,110
Goodwill and other intangibles$0
All other assets$1,737
Life insurance assets$130,142
Total liabilities and capital$116,700
Total liabilities$113,378
Total deposits$91,434
Interest-bearing deposits$113,378
Deposits held in domestic offices$97
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,910
Other borrowed funds $0
Subordinated debt $412
All other liabilities $13,442
Total equity capital$13,442
Total bank equity capital$13,442
Perpetual preferred stock$0
Common stock$722
Surplus$6,290
Undivided profits $6,430
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,332
Earning assets $0
Long-term assets (5+ years) $677
Average Assets, year-to-date $120,460
Average Assets, quarterly $26,136
Volatile liabilities $129,105
Insider loans $130,066
FHLB advances $84,843
Loans and leases held for sale $129,668
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $13,235
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $10,216
Derivatives$2,426
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,328
Total interest expense $1,280
Net interest income $6,048
Provision for loan and lease losses $182
Total noninterest income $561
Fiduciary activities $0
Service charges on deposit accounts $460
Trading account gains & fees $0
Additional noninterest income $101
Total noninterest expense $3,950
Salaries and employee benefits $2,295
Premises and equipment expense $478
Additional noninterest expense $1,177
Pre-tax net operating income $2,477
Securities gains (losses) $0
Applicable income taxes $836
Income before extraordinary items $1,641
Extraordinary gains - net $0
Net income attributable to bank $1,641
Net charge-offs $0
Cash dividends $1,641
Sale, conversion, retirement of capital stock, net $19
Net operating income $181
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.13%
Cost of funding earning assets 1.07%
Net interest margin 5.06%
Noninterest income to earning assets 0.47%
Noninterest expense to earning assets 3.30%
Net operating income to assets 1.27%
Return on assets (ROA) 1.27%
Pretax return on assets 1.92%
Return on equity (ROE) 13.05%
Retained earnings to average equity (YTD only) 11.61%
Net charge-offs to loans 0.02%
Credit loss provision to net charge-offs 957.89%
Efficiency ratio139.95%
Assets per employee$59,767
Cash dividends to net income (YTD only)3.03%
Condition Ratios (%)
Loss allowance to loans 11.03%
Loss allowance to noncurrent loans 1.01%
Noncurrent assets plus other real estate owned to assets 74.77%
Noncurrent loans to loans 1.88%
Net loans and leases to deposits1.35%
Net loans and leases to core deposits 86.24%
Equity capital to assets 87.43%
Core capital (leverage) ratio 10.33%
Tier 1 risk-based capital ratio 10.21%
Total risk-based capital ratio 15.60%
Memoranda
Average assets$17
Average earning assets$129,105
Average equity $12,572
Average loans $119,627
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4 Louisiana Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
011721Guaranty Bank And Trust Company175 New Roads Street, New Roads, LA 70760June 29, 1957Full Service Brick and Mortar
1242723Livonia BranchState Highway 78, Livonia, LA 70755September 01, 1965Full Service Brick and Mortar
5445629Zachary Branch6800 Main Street, Zachary, LA 70791September 06, 2005Full Service Brick and Mortar
6474319Port Allen Branch1086 Lobdell Highway, Port Allen, LA 70767May 12, 2008Full Service Brick and Mortar
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