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Letter portraitLegal landscapeQuarterYTD

Guaranty B&T Co. Morgan Cty

Morgan City, LA · Cert 19558

FDIC

Q3 1997

$64.8MAssets
$37.4MLoans
$51.4MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.89%, up 27 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 72.76% of deposits as of Q3 1997.

Return on Assets (YTD, annualized)

0.89%+27 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997YoY ΔTrend
Earnings
Return on Assets0.80%0.69%0.68%0.63%0.69%0.95%0.90%0.89%+27 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-0.73%6.77%5.97%9.69%10.29%6.69%-1.27%-0.94%-1,063 bps
Loan Growth (YoY)-0.67%-3.50%8.39%5.59%10.56%11.61%-5.16%1.81%-378 bps
Deposit Growth (YoY)-1.61%7.33%6.52%11.16%11.86%8.25%-4.69%-7.77%-1,893 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits67.03%64.31%71.11%65.91%66.25%66.30%70.76%72.76%+685 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a