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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

4.72%Q4 ’104.29%Q4 ’113.63%Q4 ’12-6%-13%

Non-interest income vs. expense

3.30%Q4 ’103.17%Q4 ’114.03%Q4 ’12-2%+30%

Executive Summary

  • Earnings: ROA of -0.25%, down 87 bps year over year; NIM at 3.08%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Funding: loans stand at 49.05% of deposits as of Q4 2012.

Financial Results

Return on Assets (quarter, annualized)

-0.25%-87 bps YoY

Net Interest Margin (quarter, annualized)

3.08%-46 bps YoY

Efficiency Ratio (quarter, annualized)

113.21%+3,369 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets0.62%0.76%0.80%0.76%-0.25%-87 bps
Return on Equity5.61%7.20%7.56%6.99%-2.32%-793 bps
Net Interest Margin3.54%3.31%3.21%3.26%3.08%-46 bps
Efficiency Ratio79.53%72.39%69.87%71.61%113.21%+3,369 bps
Non-Interest Burden2.72%2.31%2.13%2.22%3.55%+83 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 / Loans0.01%0.05%-0.02%-0.01%0.10%+9 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