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Guaranty Bank and Trust Company

Huntington, WV · Cert 34842

FDIC

Q2 2009

$138.7MAssets
$108.9MLoans
$106.7MDeposits
$12.0MEquity
Loan mix
73%RE $52.5M27%C&I $19.2M0%Consumer $0.1MQ2 2008Q2 2009
Deposit mix
85%Interest-bearing $90.3M15%Noninterest $16.5MQ2 2008Q2 2009

NIM

6.90%Q2 ’075.94%Q2 ’085.15%Q2 ’09-13%-11%

Non-interest income vs. expense

3.05%Q2 ’072.97%Q2 ’082.92%Q2 ’09-1%-2%

Executive Summary

  • Earnings: ROA of -0.06%, down 59 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.20%.
  • Funding: loans stand at 102.06% of deposits as of Q2 2009.

Financial Results

Return on Assets (quarter, annualized)

-0.06%-59 bps YoY

Net Interest Margin (quarter, annualized)

2.86%-36 bps YoY

Efficiency Ratio (quarter, annualized)

93.70%+813 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets0.53%0.34%-0.98%-0.66%-0.06%-59 bps
Return on Equity5.74%3.78%-11.24%-7.49%-0.63%-637 bps
Net Interest Margin3.22%3.20%3.16%2.85%2.86%-36 bps
Efficiency Ratio85.57%76.76%81.85%86.44%93.70%+813 bps
Non-Interest Burden2.72%2.39%2.53%2.43%2.66%-6 bps
Growth
Asset Growth (YoY)0.75%2.00%2.66%-1.15%0.31%-44 bps
Loan Growth (YoY)5.25%3.35%2.90%5.13%3.44%-181 bps
Deposit Growth (YoY)-0.34%2.65%-2.59%-3.19%-0.14%+20 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.14%0.11%0.07%0.07%0.20%+6 bps
Allowance / Loans1.19%1.19%1.22%1.22%1.18%-1 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 Capital11.93%11.74%11.57%11.45%11.33%-60 bps
Equity / Assets9.25%8.70%8.74%8.82%8.64%-60 bps
Liquidity & Funding
Loans / Deposits98.53%98.96%101.93%101.51%102.06%+353 bps
Liquid Assets / Assets3.83%3.60%4.09%4.87%4.75%+92 bps
CRE / Total Capitaln/an/an/an/an/an/an/a