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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 ’018.12%Q2 ’015.56%Q2 ’02+10%-13%

Non-interest income vs. expense

3.13%Q1 ’013.18%Q2 ’013.24%Q2 ’02+144%-48%

Executive Summary

  • Earnings: ROA of 1.63%, up 59 bps year over year; NIM at 3.64%.
  • 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 (quarter, annualized)

1.63%+59 bps YoY

Net Interest Margin (quarter, annualized)

3.64%-54 bps YoY

Efficiency Ratio (quarter, annualized)

53.88%-718 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets1.04%0.70%-2.67%0.76%1.63%+59 bps
Return on Equity10.39%6.66%-26.23%6.62%11.60%+121 bps
Net Interest Margin4.18%3.75%3.60%3.06%3.64%-54 bps
Efficiency Ratio61.06%73.18%84.14%63.75%53.88%-718 bps
Non-Interest Burden2.15%2.52%2.86%1.86%1.11%-104 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 / Loans0.37%0.23%6.49%0.08%0.09%-28 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