Guaranty Federal Savings Bank in Clarksville, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 15, 1997

  • Guaranty Federal Savings Bank in Clarksville, Tennessee (TN)
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Guaranty Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 31647
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Union Planters Bank of Kentucky, National Association (#2763)
    Federal Reserve ID: 444378
    Date Established: June 01, 1973
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 7298
    FDIC's unique #: 44481
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: June 01, 1973
    Last Structure Change Effective Date: August 15, 1997
    Last Structure Change Process Date: October 23, 1997
    Last Data Update: October 23, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 502 Madison Street Po Box 868, Clarksville, TN 37041
    County: Montgomery
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Nashville
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Clarksville-Hopkinsville, TN-KY (#1660)
    Core Based Statistical Area (CBSA): Clarksville, TN-KY (#17300)
    CBSA Metro Statistical Area: Clarksville, TN-KY (#17300)
  • Financial Summary
  • Total assets: $64.3 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $24Total assets
  • $61,059Cash and due from depository institutions
  • $544Interest-bearing balances
  • $0Securities
  • $6,946Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $47,963Loan loss allowance
  • $518Trading account assets
  • $0Bank premises and fixed assets
  • $1,415Other real estate owned
  • $65Goodwill and other intangibles
  • $1,280Life insurance assets
  • $2,846All other assets
  • $0Total liabilities and capital
  • $61,059Total liabilities
  • $55,012Total deposits
  • $43,542Interest-bearing deposits
  • $42,141Deposits held in domestic offices
  • 43542.00%% insured (estimated)
  • $91Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $11,174Subordinated debt
  • $0All other liabilities
  • $296Total equity capital
  • $296Total bank equity capital
  • $6,047Perpetual preferred stock
  • $0Common stock
  • $115Surplus
  • $6,091Undivided profits
  • Memoranda
  • $-159Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $132Income earned, not collected on loans
  • $359Earning assets
  • $54,909Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $57,830Average Assets, quarterly
  • $60,962Volatile liabilities
  • $21,048Insider loans
  • $25FHLB advances
  • $11,174Loans and leases held for sale
  • $0Unused loan commitments
  • $2,118Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,196Total risk weighted assets
  • $33,994Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,381Total interest expense
  • $1,405Net interest income
  • $976Provision for loan and lease losses
  • $85Total noninterest income
  • $230Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $230Total noninterest expense
  • $1,279Salaries and employee benefits
  • $462Premises and equipment expense
  • $204Additional noninterest expense
  • $613Pre-tax net operating income
  • -$158Securities gains (losses)
  • $75Applicable income taxes
  • $10Income before extraordinary items
  • -$93Extraordinary gains - net
  • $0Net income attributable to bank
  • -$93Net charge-offs
  • $64Cash dividends
  • $48Sale, conversion, retirement of capital stock, net
  • $1Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 4.47%Cost of funding earning assets
  • 2.64%Net interest margin
  • 1.83%Noninterest income to earning assets
  • 0.43%Noninterest expense to earning assets
  • 2.40%Net operating income to assets
  • -0.29%Return on assets (ROA)
  • -0.16%Pretax return on assets
  • -0.14%Return on equity (ROE)
  • -2.15%Retained earnings to average equity (YTD only)
  • -3.26%Net charge-offs to loans
  • 0.14%Credit loss provision to net charge-offs
  • 132.81%Efficiency ratio
  • 98,176Assets per employee
  • 2.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -51.61%Loss allowance to loans
  • 1.07%Loss allowance to noncurrent loans
  • 381.82%Noncurrent assets plus other real estate owned to assets
  • 0.32%Noncurrent loans to loans
  • 0.27%Net loans and leases to deposits
  • 110.15%Net loans and leases to core deposits
  • 142.46%Equity capital to assets
  • 9.90%Core capital (leverage) ratio
  • 5.49%Tier 1 risk-based capital ratio
  • 9.40%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $57,830Average earning assets
  • $4,323Average equity
  • $53,283Average loans

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