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Guaranty Bank & Trust Company, Performance and Condition Ratios
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4654% | 4,810 |
| Cost of funding earning assets | 2.4539% | 1,768 |
| Net interest margin | 3.0115% | 6,519 |
| Noninterest income to average assets | 0.2450% | 6,533 |
| Noninterest expense to average assets | 2.7928% | 4,987 |
| Loan and lease loss provision to assets | 0.0573% | 6,646 |
| Net operating income to assets | 0.3494% | 4,682 |
| Return on assets (ROA) | -0.3568% | 6,412 |
| Pretax return on assets | -0.8526% | 6,716 |
| Return on Equity (ROE) | -4.0858% | 6,486 |
| Retained earnings to average equity (ytd only) | -6.6455% | 6,522 |
| Net charge-offs to loans | 0.1379% | 4,789 |
| Credit loss provision to net charge-offs | 53.3333% | 5,714 |
| Earnings coverage of net charge-offs (x) | 2.8667% | 3,666 |
| Efficiency ratio | 90.0647% | 1,803 |
| Assets per employee ($millions) | 4.7844% | 2,348 |
| Cash dividends to net income (ytd only)* | -62.6506% | 8,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1842% | 5,048 |
| Loan loss allowance to noncurrent loans | 186.1472% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.4995% | 6,188 |
| Noncurrent loans to loans | 0.6362% | 5,970 |
| Net loans and leases to total assets | 77.5809% | 1,844 |
| Net loans and leases to deposits | 100.8526% | 1,190 |
| Net loans and leases to core deposits | 144.0162% | 837 |
| Total domestic deposits to total assets | 76.9251% | 6,343 |
| Equity capital to assets | 8.6444% | 5,827 |
| Core capital (leverage) ratio | 8.6820% | 5,122 |
| Tier 1 risk-based capital ratio | 10.2345% | 6,671 |
| Total risk-based capital ratio | 11.3297% | 6,770 |
| Memoranda: | ||
| Average total assets | $139,571,330 | 4,179 |
| Average earning assets | $132,359,330 | 4,095 |
| Average equity | $12,188,670 | 4,763 |
| Average total loans | $108,742,330 | 3,797 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5085% | 4,867 |
| Cost of funding earning assets | 2.4967% | 1,929 |
| Net interest margin | 3.0117% | 6,450 |
| Noninterest income to average assets | 0.2400% | 6,536 |
| Noninterest expense to average assets | 2.6775% | 5,112 |
| Loan and lease loss provision to assets | 0.0571% | 6,245 |
| Net operating income to assets | 0.5205% | 4,337 |
| Return on assets (ROA) | -0.6572% | 7,052 |
| Pretax return on assets | -1.4773% | 7,355 |
| Return on Equity (ROE) | -7.4882% | 7,192 |
| Retained earnings to average equity (ytd only) | -11.0695% | 7,209 |
| Net charge-offs to loans | 0.0736% | 4,449 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 7.3500% | 2,358 |
| Efficiency ratio | 86.4391% | 2,023 |
| Assets per employee ($millions) | 4.5808% | 2,590 |
| Cash dividends to net income (ytd only)* | -47.8261% | 8,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2212% | 4,657 |
| Loan loss allowance to noncurrent loans | 1,027.1318% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.4213% | 6,241 |
| Noncurrent loans to loans | 0.1189% | 7,181 |
| Net loans and leases to total assets | 77.9887% | 1,828 |
| Net loans and leases to deposits | 100.2685% | 1,377 |
| Net loans and leases to core deposits | 142.7852% | 975 |
| Total domestic deposits to total assets | 77.7799% | 6,083 |
| Equity capital to assets | 8.8194% | 5,587 |
| Core capital (leverage) ratio | 8.6369% | 5,278 |
| Tier 1 risk-based capital ratio | 10.3189% | 6,578 |
| Total risk-based capital ratio | 11.4477% | 6,632 |
| Memoranda: | ||
| Average total assets | $139,983,000 | 4,186 |
| Average earning assets | $132,813,500 | 4,091 |
| Average equity | $12,286,000 | 4,759 |
| Average total loans | $108,647,500 | 3,822 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3472% | 3,707 |
| Cost of funding earning assets | 2.8633% | 2,426 |
| Net interest margin | 3.4839% | 5,350 |
| Noninterest income to average assets | 0.2800% | 6,460 |
| Noninterest expense to average assets | 2.8646% | 4,556 |
| Loan and lease loss provision to assets | 0.1563% | 5,365 |
| Net operating income to assets | 0.4739% | 4,855 |
| Return on assets (ROA) | 0.0796% | 6,002 |
| Pretax return on assets | -0.0661% | 6,229 |
| Return on Equity (ROE) | 0.8827% | 5,954 |
| Retained earnings to average equity (ytd only) | -1.7732% | 5,807 |
| Net charge-offs to loans | 0.1288% | 4,945 |
| Credit loss provision to net charge-offs | 160.5839% | 3,215 |
| Earnings coverage of net charge-offs (x) | 7.2555% | 3,153 |
| Efficiency ratio | 80.2189% | 2,566 |
| Assets per employee ($millions) | 4.7514% | 2,237 |
| Cash dividends to net income (ytd only)* | 300.8929% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 4,399 |
| Loan loss allowance to noncurrent loans | 860.3896% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 6,822 |
| Noncurrent loans to loans | 0.1416% | 6,985 |
| Net loans and leases to total assets | 75.3951% | 2,784 |
| Net loans and leases to deposits | 100.6915% | 1,755 |
| Net loans and leases to core deposits | 141.5407% | 1,183 |
| Total domestic deposits to total assets | 74.8774% | 6,481 |
| Equity capital to assets | 8.7357% | 5,754 |
| Core capital (leverage) ratio | 8.7150% | 5,169 |
| Tier 1 risk-based capital ratio | 10.4603% | 6,247 |
| Total risk-based capital ratio | 11.5727% | 6,269 |
| Memoranda: | ||
| Average total assets | $140,717,000 | 4,071 |
| Average earning assets | $132,925,600 | 3,991 |
| Average equity | $12,688,800 | 4,652 |
| Average total loans | $106,406,200 | 3,781 |