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Guaranty Bank of Mamou

Mamou, LA · Cert 16928

FDIC

Q4 2012

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2012, the quarter ended December 31, 2012, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Guaranty Bank of Mamou

Mamou, LA · Cert 16928

FDIC

Q4 2012

$144.0MAssets
$62.5MLoans
$127.5MDeposits
$15.6MEquity
Loan mix
75%RE $40.4M12%C&I $6.3M13%Consumer $7.0MQ4 2011Q4 2012
Deposit mix
68%Interest-bearing $86.2M32%Noninterest $41.4MQ4 2011Q4 2012

NIM

4.69%Q4 ’104.11%Q4 ’113.78%Q4 ’12-10%-5%

Non-interest income vs. expense

3.02%Q4 ’102.84%Q4 ’112.92%Q4 ’12-15%+4%

Executive Summary

  • Earnings: ROA of 0.52%, down 21 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 49.05% of deposits as of Q4 2012.

Financial Results

Return on Assets (YTD, annualized)

0.52%-21 bps YoY

Net Interest Margin (YTD, annualized)

3.18%-16 bps YoY

Efficiency Ratio (YTD, annualized)

81.72%+609 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets0.73%0.76%0.78%0.78%0.52%-21 bps
Return on Equity6.84%7.20%7.36%7.24%4.82%-202 bps
Net Interest Margin3.34%3.31%3.20%3.24%3.18%-16 bps
Efficiency Ratio75.62%72.39%71.11%71.28%81.72%+609 bps
Non-Interest Burden2.43%2.31%2.17%2.20%2.53%+10 bps
Growth
Asset Growth (YoY)7.73%12.62%13.36%7.32%5.79%-194 bps
Loan Growth (YoY)-5.46%2.32%0.62%-0.65%-4.51%+95 bps
Deposit Growth (YoY)6.39%11.96%12.96%7.62%6.09%-30 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.18%0.05%0.01%0.01%0.03%-15 bps
Allowance / Loans1.68%1.62%1.60%1.61%1.73%+5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital22.71%22.92%22.86%23.39%25.62%+292 bps
Equity / Assets10.91%10.36%10.75%11.05%10.84%-7 bps
Liquidity & Funding
Loans / Deposits54.50%52.50%53.38%53.89%49.05%-545 bps
Liquid Assets / Assets18.94%24.44%24.29%23.54%29.48%+1,054 bps
CRE / Total Capitaln/an/an/an/an/an/an/a