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

This bank is inactive as of December 02, 1994

  • Guaranty Bank and Trust Company in Baton Rouge, Louisiana (LA)
  • Show street view No street view available for this location

Guaranty Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 20472
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Regions Bank of Louisiana (#28098)
    Federal Reserve ID: 104739
    Date Established: September 01, 1971
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Interstate: No)
    FDIC's unique #: 14117
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: September 01, 1971
    Last Structure Change Effective Date: December 02, 1994
    Last Structure Change Process Date: December 21, 1994
    Last Data Update: December 21, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 5353 Essen Lane, Baton Rouge, LA 70809
    County: East Baton Rouge
    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
    Metropolitan Statistical Area (MSA): Baton Rouge, LA (#760)
    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)
  • Financial Summary
  • Total assets: $196.0 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $78Total assets
  • $180,926Cash and due from depository institutions
  • $4,337Interest-bearing balances
  • $100Securities
  • $36,089Federal funds sold & reverse repurchase agreements
  • $5,410Net loans & leases
  • $128,767Loan loss allowance
  • $1,955Trading account assets
  • $0Bank premises and fixed assets
  • $3,377Other real estate owned
  • $867Goodwill and other intangibles
  • $2,079Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $180,926Total liabilities
  • $167,900Total deposits
  • $167,344Interest-bearing deposits
  • $133,346Deposits held in domestic offices
  • 167344.00%% insured (estimated)
  • $86Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $556Total equity capital
  • $556Total bank equity capital
  • $13,026Perpetual preferred stock
  • $0Common stock
  • $500Surplus
  • $2,905Undivided profits
  • Memoranda
  • $9,621Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,497Income earned, not collected on loans
  • $754Earning assets
  • $170,366Long-term assets (5+ years)
  • $3,410Average Assets, year-to-date
  • $178,596Average Assets, quarterly
  • $181,499Volatile liabilities
  • $33,066Insider loans
  • $3,368FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $19,261Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $13,026Total risk weighted assets
  • $129,774Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $13,388Total interest expense
  • $4,866Net interest income
  • $8,522Provision for loan and lease losses
  • $680Total noninterest income
  • $1,540Fiduciary activities
  • $0Service charges on deposit accounts
  • $1,000Trading account gains & fees
  • $0Additional noninterest income
  • $540Total noninterest expense
  • $5,616Salaries and employee benefits
  • $2,591Premises and equipment expense
  • $1,058Additional noninterest expense
  • $1,967Pre-tax net operating income
  • $3,766Securities gains (losses)
  • $52Applicable income taxes
  • $1,266Income before extraordinary items
  • $2,552Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,552Net charge-offs
  • $733Cash dividends
  • $200Sale, conversion, retirement of capital stock, net
  • $20Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.09%Cost of funding earning assets
  • 2.94%Net interest margin
  • 5.15%Noninterest income to earning assets
  • 0.93%Noninterest expense to earning assets
  • 3.39%Net operating income to assets
  • 1.41%Return on assets (ROA)
  • 1.43%Pretax return on assets
  • 2.14%Return on equity (ROE)
  • 21.52%Retained earnings to average equity (YTD only)
  • 19.83%Net charge-offs to loans
  • 0.57%Credit loss provision to net charge-offs
  • 92.77%Efficiency ratio
  • 55,814Assets per employee
  • 2.32%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 7.84%Loss allowance to loans
  • 1.50%Loss allowance to noncurrent loans
  • 78.29%Noncurrent assets plus other real estate owned to assets
  • 1.86%Noncurrent loans to loans
  • 1.91%Net loans and leases to deposits
  • 76.95%Net loans and leases to core deposits
  • 95.90%Equity capital to assets
  • 7.20%Core capital (leverage) ratio
  • 7.10%Tier 1 risk-based capital ratio
  • 10.04%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $178,596Average earning assets
  • $11,861Average equity
  • $165,583Average loans

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