Guaranty Bond Bank in Mount Pleasant, Texas (TX)

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Guaranty Bond Bank
GeneralFDIC Certificate #: 1208
Status: Active
Federal Reserve ID: 112163
Bank Holding Company (Regulatory Top Holder): Guaranty Bancshares, Inc. (RSSDID: 1862036, Location: Mount Pleasant, TX)
Date Established: January 17, 1913
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 17 (Domestic: 17, Interstate: No)
OTS Docket #: 14416
FDIC's unique #: 827
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: January 01, 1934
Last Structure Change Effective Date: July 16, 2011
Last Structure Change Process Date: July 29, 2011
Last Data Update: July 29, 2011
Data Source Date: April 05, 2012
LocationAddress: 100 West Arkansas Street, Mount Pleasant, TX 75455
County: Titus
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Dallas
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Mount Pleasant, TX (#34420)
CBSA Micro Statistical Area: Yes
History of ChangesOffice Purchased
Financial SummaryTotal assets: $1,091.1 mil
Equity capital: $103.9 mil
Deposits held in domestic offices: $932.8 mil
Return on assets (ROA): 1.61% ($17.6 mil)
Quarterly return on assets: 1.28% ($14.0 mil)
Return on Equity (ROE): 17.51% ($18.2 mil)
Quarterly return on equity: 13.47% ($14.0 mil)
Net income: $16.5 mil
Quarterly Net income: $3.5 mil
Pretax return on assets: 1.61% ($17,566.2 mil)
Quarterly Pretax return on assets: 1.28% ($13,965.7 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)323
Total assets$1,091,068
Cash and due from depository institutions$29,482
Interest-bearing balances$7,133
Federal funds sold & reverse repurchase agreements$34,260
Net loans & leases$600,343
Loan loss allowance $5,978
Trading account assets$0
Bank premises and fixed assets$27,957
Other real estate owned$2,624
Goodwill and other intangibles$6,557
All other assets$21,794
Life insurance assets$1,091,068
Total liabilities and capital$987,125
Total liabilities$932,844
Total deposits$762,148
Interest-bearing deposits$932,844
Deposits held in domestic offices$77
% insured (estimated)11066.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$39,035
Other borrowed funds $0
Subordinated debt $4,180
All other liabilities $103,943
Total equity capital$103,943
Total bank equity capital$103,943
Perpetual preferred stock$0
Common stock$3,983
Undivided profits $60,943
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $6,591
Income earned, not collected on loans $5,066
Earning assets $0
Long-term assets (5+ years) $4,388
Average Assets, year-to-date $1,009,787
Average Assets, quarterly $455,575
Volatile liabilities $1,026,426
Insider loans $1,081,112
FHLB advances $647,316
Loans and leases held for sale $1,082,665
Unused loan commitments $9,558
Tier 1 (core) risk-based capital $9,558
Tier 2 risk-based capital $97,454
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $54,596
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $44,293
Total interest expense $9,681
Net interest income $34,612
Provision for loan and lease losses $399
Total noninterest income $8,993
Fiduciary activities $801
Service charges on deposit accounts $3,563
Trading account gains & fees $0
Additional noninterest income $4,629
Total noninterest expense $29,385
Salaries and employee benefits $16,026
Premises and equipment expense $4,139
Additional noninterest expense $9,220
Pre-tax net operating income $13,821
Securities gains (losses) $2,716
Applicable income taxes $0
Income before extraordinary items $16,537
Extraordinary gains - net $0
Net income attributable to bank $16,537
Net charge-offs $0
Cash dividends $16,537
Sale, conversion, retirement of capital stock, net $958
Net operating income $5,000
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.69%
Cost of funding earning assets 1.03%
Net interest margin 3.67%
Noninterest income to earning assets 0.95%
Noninterest expense to earning assets 3.11%
Net operating income to assets 1.35%
Return on assets (ROA) 1.61%
Pretax return on assets 1.61%
Return on equity (ROE) 17.51%
Retained earnings to average equity (YTD only) 12.22%
Net charge-offs to loans 0.17%
Credit loss provision to net charge-offs 41.65%
Efficiency ratio14.84%
Assets per employee$67,389
Cash dividends to net income (YTD only)3.38%
Condition Ratios (%)
Loss allowance to loans 30.24%
Loss allowance to noncurrent loans 0.99%
Noncurrent assets plus other real estate owned to assets 118.00%
Noncurrent loans to loans 0.70%
Net loans and leases to deposits0.84%
Net loans and leases to core deposits 64.36%
Equity capital to assets 70.74%
Core capital (leverage) ratio 9.53%
Tier 1 risk-based capital ratio 9.00%
Total risk-based capital ratio 15.06%
Average assets$16
Average earning assets$1,026,426
Average equity $94,439
Average loans $943,548
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$94,453
Number of Accounts1
Personal trust and agency accounts$94,453
Employee benefit-defined contribution accounts$15,507
Employee benefit-defined benefit accounts$6,306
Other retirement accounts$0
Corporate trust and agency accounts$11,356
Investment management agency accounts$0
Other fiduciary accounts$57,951
Fiduciary accounts held in foreign offices$3,333
Non-managed Assets$0
Number of Accounts161
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$11,356
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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16 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0827Guaranty Bond Bank100 West Arkansas Street, Mount Pleasant, TX 75455January 17, 1913Full Service Brick and Mortar
2196128Lamar Avenue BranchLamar Avenue, Paris, TX 75460April 10, 1989Full Service Brick and Mortar
3261941Bogata Branch110 Halesboro Street, Bogata, TX 75417January 02, 1990Full Service Brick and Mortar
4187991South Jefferson Branch2317 South Jefferson Boulevard, Mount Pleasant, TX 75455September 30, 1996Full Service Brick and Mortar
6187992Saint Michael Branch2202 Saint Michael Drive, Texarkana, TX 75503August 01, 1997Full Service Brick and Mortar
7187993Guaranty Bank-Pittsburg116 Greer Blvd, Pittsburg, TX 75686May 17, 1999Full Service Brick and Mortar
812855Sulphur Springs Branch919 Gilmer Street, Sulphur Springs, TX 75482January 24, 1964Full Service Brick and Mortar
9247067Commerce Branch1108 Park, Commerce, TX 75428August 23, 1993Full Service Brick and Mortar
12431739Wake Village Branch5800 W. Seventh Street, Texarkana, TX 75501July 12, 2004Full Service Brick and Mortar
13434088Mt Vernon BranchHighway 67 At Highway 37, Mount Vernon, TX 75457November 01, 2004Full Service Brick and Mortar
14450589Mobile BranchCounties Of Morris Franklin And Upshur, Mount Pleasant, TX 75455March 27, 2006Limited Service Mobile
15492801James Bowie BranchJames Bowie Dr., New Boston, TX 75570June 29, 2009Full Service Brick and Mortar
16509362Texarkana Branch3424 Richmaond Road, Texarkana, TX 75503March 29, 2010Limited Service Facility
17509363Kings Hwy Branch1010 N. Kings Hwy, Texarkana, TX 75503June 01, 2010Full Service Brick and Mortar
18519094Atlanta Texas Branch209 W. Main Street, Atlanta, TX 75551May 09, 2011Full Service Brick and Mortar
19457043Texarkana Branch4646 Cowhorn Creek Road, Texarkana, TX 75503December 04, 2006Full Service Brick and Mortar
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