Guaranty State Bank and Trust Company in Beloit, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

Guaranty State Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 10907
    Status: Active
    Federal Reserve ID: 1009756
    Bank Holding Company (Regulatory Top Holder): Guaranty, Inc. (RSSDID: 1064009, Location: Beloit, KS)
    Date Established: January 23, 1922
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 14678
    FDIC's unique #: 6985
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 02, 1934
    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: 201 South Mill Street, Beloit, KS 67420
    County: Mitchell
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Hays
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $166.5 mil
    Equity capital: $16.6 mil
    Deposits held in domestic offices: $127.4 mil
    Return on assets (ROA): 1.05% ($1.7 mil)
    Quarterly return on assets: 0.94% ($1.6 mil)
    Return on Equity (ROE): 10.39% ($1.8 mil)
    Quarterly return on equity: 9.09% ($1.5 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.52% ($2,530.3 mil)
    Quarterly Pretax return on assets: 1.25% ($2,080.8 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
  • 36Total employees (full-time equivalent)
  • $166,466Total assets
  • $2,969Cash and due from depository institutions
  • $25Interest-bearing balances
  • $15,584Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $140,053Net loans & leases
  • $1,701Loan loss allowance
  • $0Trading account assets
  • $1,249Bank premises and fixed assets
  • $0Other real estate owned
  • $4Goodwill and other intangibles
  • $166,466Life insurance assets
  • $6,607All other assets
  • $149,854Total liabilities and capital
  • $127,359Total liabilities
  • $105,993Total deposits
  • $127,359Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 339.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $21,077Trading liabilities
  • $0Other borrowed funds
  • $1,079Subordinated debt
  • $16,612All other liabilities
  • $16,612Total equity capital
  • $16,612Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $1,500Surplus
  • $14,512Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $24Income earned, not collected on loans
  • $0Earning assets
  • $2,352Long-term assets (5+ years)
  • $155,662Average Assets, year-to-date
  • $51,062Average Assets, quarterly
  • $156,056Volatile liabilities
  • $159,460Insider loans
  • $149,651FHLB advances
  • $160,399Loans and leases held for sale
  • $2,386Unused loan commitments
  • $2,386Tier 1 (core) risk-based capital
  • $16,103Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,338Restructured Loans and leases
  • $7,516Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,724Total interest income
  • $1,912Total interest expense
  • $5,812Net interest income
  • $150Provision for loan and lease losses
  • $639Total noninterest income
  • $131Fiduciary activities
  • $67Service charges on deposit accounts
  • $0Trading account gains & fees
  • $441Additional noninterest income
  • $3,977Total noninterest expense
  • $2,510Salaries and employee benefits
  • $503Premises and equipment expense
  • $964Additional noninterest expense
  • $2,324Pre-tax net operating income
  • $48Securities gains (losses)
  • $739Applicable income taxes
  • $1,633Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,633Net income attributable to bank
  • $0Net charge-offs
  • $1,633Cash dividends
  • $9Sale, conversion, retirement of capital stock, net
  • $316Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.30%Yield on earning assets
  • 1.31%Cost of funding earning assets
  • 3.98%Net interest margin
  • 0.44%Noninterest income to earning assets
  • 2.73%Noninterest expense to earning assets
  • 1.03%Net operating income to assets
  • 1.05%Return on assets (ROA)
  • 1.52%Pretax return on assets
  • 10.39%Return on equity (ROE)
  • 8.38%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 1666.67%Credit loss provision to net charge-offs
  • 274.89%Efficiency ratio
  • 61,649Assets per employee
  • 4.62%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 19.35%Loss allowance to loans
  • 1.20%Loss allowance to noncurrent loans
  • 7087.50%Noncurrent assets plus other real estate owned to assets
  • 0.01%Noncurrent loans to loans
  • 0.02%Net loans and leases to deposits
  • 109.97%Net loans and leases to core deposits
  • 128.30%Equity capital to assets
  • 9.98%Core capital (leverage) ratio
  • 10.04%Tier 1 risk-based capital ratio
  • 10.76%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $156,056Average earning assets
  • $15,710Average equity
  • $145,868Average 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
  • $46,194Managed Assets
  • 1Number of Accounts
  • $46,194Personal trust and agency accounts
  • $20,601Employee benefit-defined contribution accounts
  • $2,615Employee benefit-defined benefit accounts
  • $1,228Other retirement accounts
  • $19,017Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $2,581Other fiduciary accounts
  • $93Fiduciary accounts held in foreign offices
  • $59Non-managed Assets
  • 521Number of Accounts
  • $0Personal trust and agency accounts
  • $19,017Employee 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

  • 4 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06985Guaranty State Bank And Trust Compan201 South Mill Street, Beloit, KS 67420January 23, 1922Full Service Brick and Mortar
    1241551Burr Oak Branch121 South Main Street, Burr Oak, KS 66936May 01, 1990Full Service Brick and Mortar
    2360558Esbon Branch501 Grand, Esbon, KS 66941April 16, 2001Full Service Brick and Mortar
    3361881Jewell Branch120 South Washington, Jewell, KS 66949September 12, 2001Full Service Brick and Mortar

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