PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Guaranty Bank and Trust

Kansas City, KS · Cert 5827

FDIC

Q2 2002

$171.1MAssets
$121.0MLoans
$129.6MDeposits
$26.3MEquity
Loan mix
22%RE $12.5M78%C&I $44.2M0%Consumer $0.1MQ2 2001Q2 2002
Deposit mix
84%Interest-bearing $108.9M16%Noninterest $20.8MQ2 2001Q2 2002

NIM

8.01%Q1 ’018.27%Q2 ’015.28%Q2 ’02+8%-17%

Non-interest income vs. expense

3.13%Q1 ’013.24%Q2 ’012.87%Q2 ’02+75%-2%

Executive Summary

  • Earnings: ROA of 1.20%, down 13 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Funding: loans stand at 93.33% of deposits as of Q2 2002.

Financial Results

Return on Assets (YTD, annualized)

1.20%-13 bps YoY

Net Interest Margin (YTD, annualized)

3.40%-69 bps YoY

Efficiency Ratio (YTD, annualized)

57.76%+176 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets1.32%1.12%0.19%0.76%1.20%-13 bps
Return on Equityn/an/an/a6.62%9.48%n/a
Net Interest Margin4.08%3.94%3.92%3.06%3.40%-69 bps
Efficiency Ratio56.00%60.93%66.02%63.75%57.76%+176 bps
Non-Interest Burden1.54%1.85%2.14%1.86%1.51%-3 bps
Growth
Asset Growth (YoY)4.20%1.83%-6.60%-2.26%-10.26%-1,446 bps
Loan Growth (YoY)6.54%2.77%0.25%2.29%-15.01%-2,155 bps
Deposit Growth (YoY)-1.56%-2.06%-12.89%-12.12%-11.69%-1,013 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.25%0.24%1.80%0.08%0.09%-16 bps
Allowance / Loans1.21%1.18%1.17%1.57%1.83%+62 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 Capital12.30%12.97%12.46%12.37%13.38%+108 bps
Equity / Assets10.47%10.49%9.87%12.94%15.34%+487 bps
Liquidity & Funding
Loans / Deposits96.97%94.80%100.92%99.61%93.33%-365 bps
Liquid Assets / Assets1.74%2.52%0.82%0.97%0.75%-99 bps
CRE / Total Capitaln/an/an/an/an/an/an/a