Guaranty Bond Bank in Mount Pleasant, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Guaranty Bond Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Office Purchased
  • Financial Summary
  • Total 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
  • 323Total employees (full-time equivalent)
  • $1,091,068Total assets
  • $29,482Cash and due from depository institutions
  • $7,133Interest-bearing balances
  • $368,051Securities
  • $34,260Federal funds sold & reverse repurchase agreements
  • $600,343Net loans & leases
  • $5,978Loan loss allowance
  • $0Trading account assets
  • $27,957Bank premises and fixed assets
  • $2,624Other real estate owned
  • $6,557Goodwill and other intangibles
  • $1,091,068Life insurance assets
  • $21,794All other assets
  • $987,125Total liabilities and capital
  • $932,844Total liabilities
  • $762,148Total deposits
  • $932,844Interest-bearing deposits
  • $77Deposits held in domestic offices
  • 11066.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $39,035Trading liabilities
  • $0Other borrowed funds
  • $4,180Subordinated debt
  • $103,943All other liabilities
  • $103,943Total equity capital
  • $103,943Total bank equity capital
  • $0Perpetual preferred stock
  • $3,983Common stock
  • $39,017Surplus
  • $60,943Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $6,591Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,066Income earned, not collected on loans
  • $0Earning assets
  • $4,388Long-term assets (5+ years)
  • $1,009,787Average Assets, year-to-date
  • $455,575Average Assets, quarterly
  • $1,026,426Volatile liabilities
  • $1,081,112Insider loans
  • $647,316FHLB advances
  • $1,082,665Loans and leases held for sale
  • $9,558Unused loan commitments
  • $9,558Tier 1 (core) risk-based capital
  • $97,454Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $54,596Restructured Loans and leases
  • $23,022Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $44,293Total interest income
  • $9,681Total interest expense
  • $34,612Net interest income
  • $399Provision for loan and lease losses
  • $8,993Total noninterest income
  • $801Fiduciary activities
  • $3,563Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,629Additional noninterest income
  • $29,385Total noninterest expense
  • $16,026Salaries and employee benefits
  • $4,139Premises and equipment expense
  • $9,220Additional noninterest expense
  • $13,821Pre-tax net operating income
  • $2,716Securities gains (losses)
  • $0Applicable income taxes
  • $16,537Income before extraordinary items
  • $0Extraordinary gains - net
  • $16,537Net income attributable to bank
  • $0Net charge-offs
  • $16,537Cash dividends
  • $958Sale, conversion, retirement of capital stock, net
  • $5,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.69%Yield on earning assets
  • 1.03%Cost of funding earning assets
  • 3.67%Net interest margin
  • 0.95%Noninterest income to earning assets
  • 3.11%Noninterest expense to earning assets
  • 1.35%Net operating income to assets
  • 1.61%Return on assets (ROA)
  • 1.61%Pretax return on assets
  • 17.51%Return on equity (ROE)
  • 12.22%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 41.65%Credit loss provision to net charge-offs
  • 14.84%Efficiency ratio
  • 67,389Assets per employee
  • 3.38%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 30.24%Loss allowance to loans
  • 0.99%Loss allowance to noncurrent loans
  • 118.00%Noncurrent assets plus other real estate owned to assets
  • 0.70%Noncurrent loans to loans
  • 0.84%Net loans and leases to deposits
  • 64.36%Net loans and leases to core deposits
  • 70.74%Equity capital to assets
  • 9.53%Core capital (leverage) ratio
  • 9.00%Tier 1 risk-based capital ratio
  • 15.06%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $1,026,426Average earning assets
  • $94,439Average equity
  • $943,548Average 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
  • $94,453Managed Assets
  • 1Number of Accounts
  • $94,453Personal trust and agency accounts
  • $15,507Employee benefit-defined contribution accounts
  • $6,306Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $11,356Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $57,951Other fiduciary accounts
  • $3,333Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 161Number of Accounts
  • $0Personal trust and agency accounts
  • $11,356Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 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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