Guaranty Bank and Trust Company in New Roads, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Guaranty Bank and Trust Company - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 43Total employees (full-time equivalent)
  • $130,142Total assets
  • $4,831Cash and due from depository institutions
  • $2,392Interest-bearing balances
  • $20,064Securities
  • $225Federal funds sold & reverse repurchase agreements
  • $97,779Net loans & leases
  • $996Loan loss allowance
  • $0Trading account assets
  • $4,396Bank premises and fixed assets
  • $1,110Other real estate owned
  • $0Goodwill and other intangibles
  • $130,142Life insurance assets
  • $1,737All other assets
  • $116,700Total liabilities and capital
  • $113,378Total liabilities
  • $91,434Total deposits
  • $113,378Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,910Trading liabilities
  • $0Other borrowed funds
  • $412Subordinated debt
  • $13,442All other liabilities
  • $13,442Total equity capital
  • $13,442Total bank equity capital
  • $0Perpetual preferred stock
  • $722Common stock
  • $6,290Surplus
  • $6,430Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,332Income earned, not collected on loans
  • $0Earning assets
  • $677Long-term assets (5+ years)
  • $120,460Average Assets, year-to-date
  • $26,136Average Assets, quarterly
  • $129,105Volatile liabilities
  • $130,066Insider loans
  • $84,843FHLB advances
  • $129,668Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,235Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,216Restructured Loans and leases
  • $2,426Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,328Total interest income
  • $1,280Total interest expense
  • $6,048Net interest income
  • $182Provision for loan and lease losses
  • $561Total noninterest income
  • $0Fiduciary activities
  • $460Service charges on deposit accounts
  • $0Trading account gains & fees
  • $101Additional noninterest income
  • $3,950Total noninterest expense
  • $2,295Salaries and employee benefits
  • $478Premises and equipment expense
  • $1,177Additional noninterest expense
  • $2,477Pre-tax net operating income
  • $0Securities gains (losses)
  • $836Applicable income taxes
  • $1,641Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,641Net income attributable to bank
  • $0Net charge-offs
  • $1,641Cash dividends
  • $19Sale, conversion, retirement of capital stock, net
  • $181Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.13%Yield on earning assets
  • 1.07%Cost of funding earning assets
  • 5.06%Net interest margin
  • 0.47%Noninterest income to earning assets
  • 3.30%Noninterest expense to earning assets
  • 1.27%Net operating income to assets
  • 1.27%Return on assets (ROA)
  • 1.92%Pretax return on assets
  • 13.05%Return on equity (ROE)
  • 11.61%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 957.89%Credit loss provision to net charge-offs
  • 139.95%Efficiency ratio
  • 59,767Assets per employee
  • 3.03%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 11.03%Loss allowance to loans
  • 1.01%Loss allowance to noncurrent loans
  • 74.77%Noncurrent assets plus other real estate owned to assets
  • 1.88%Noncurrent loans to loans
  • 1.35%Net loans and leases to deposits
  • 86.24%Net loans and leases to core deposits
  • 87.43%Equity capital to assets
  • 10.33%Core capital (leverage) ratio
  • 10.21%Tier 1 risk-based capital ratio
  • 15.60%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $129,105Average earning assets
  • $12,572Average equity
  • $119,627Average loans

List of branches

  • 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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