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Guaranty Bank, Performance and Condition Ratios
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2147% | 7,818 |
| Cost of funding earning assets | 2.6960% | 1,040 |
| Net interest margin | 1.5187% | 8,012 |
| Noninterest income to average assets | 0.2866% | 6,212 |
| Noninterest expense to average assets | 4.0193% | 1,286 |
| Loan and lease loss provision to assets | 2.9802% | 511 |
| Net operating income to assets | -5.1828% | 7,947 |
| Return on assets (ROA) | -28.4165% | 8,182 |
| Pretax return on assets | -28.5138% | 8,182 |
| Return on Equity (ROE) | 1,592.6996% | 3 |
| Retained earnings to average equity (ytd only) | 1,592.6996% | 3 |
| Net charge-offs to loans | 2.4327% | 726 |
| Credit loss provision to net charge-offs | 166.4727% | 2,760 |
| Earnings coverage of net charge-offs (x) | -1.2847% | 6,284 |
| Efficiency ratio | 137.0416% | 461 |
| Assets per employee ($millions) | 7.8464% | 525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5999% | 346 |
| Loan loss allowance to noncurrent loans | 58.1616% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 5.0538% | 1,041 |
| Noncurrent loans to loans | 6.1894% | 877 |
| Net loans and leases to total assets | 69.3525% | 3,862 |
| Net loans and leases to deposits | 77.9187% | 4,888 |
| Net loans and leases to core deposits | 99.1912% | 4,585 |
| Total domestic deposits to total assets | 89.0062% | 1,268 |
| Equity capital to assets | -5.1249% | 8,191 |
| Core capital (leverage) ratio | -7.1132% | 8,191 |
| Tier 1 risk-based capital ratio | -7.3523% | 8,191 |
| Total risk-based capital ratio | -7.3567% | 8,191 |
| Memoranda: | ||
| Average total assets | $13,956,531,330 | 87 |
| Average earning assets | $13,167,079,670 | 82 |
| Average equity | $-249,008,670 | 8,195 |
| Average total loans | $10,270,313,330 | 75 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2565% | 7,874 |
| Cost of funding earning assets | 2.8175% | 939 |
| Net interest margin | 1.4390% | 8,074 |
| Noninterest income to average assets | 0.3924% | 5,271 |
| Noninterest expense to average assets | 4.7065% | 592 |
| Loan and lease loss provision to assets | 2.3776% | 493 |
| Net operating income to assets | -5.2931% | 8,058 |
| Return on assets (ROA) | -50.9363% | 8,242 |
| Pretax return on assets | -50.9846% | 8,242 |
| Return on Equity (ROE) | 25,388.7976% | 1 |
| Retained earnings to average equity (ytd only) | 25,388.7976% | 1 |
| Net charge-offs to loans | 0.9407% | 1,410 |
| Credit loss provision to net charge-offs | 339.8591% | 1,471 |
| Earnings coverage of net charge-offs (x) | -4.2366% | 5,546 |
| Efficiency ratio | 95.0918% | 1,375 |
| Assets per employee ($millions) | 7.5832% | 600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1156% | 436 |
| Loan loss allowance to noncurrent loans | 49.0492% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 5.5658% | 758 |
| Noncurrent loans to loans | 6.3521% | 719 |
| Net loans and leases to total assets | 75.7365% | 2,337 |
| Net loans and leases to deposits | 86.3285% | 3,574 |
| Net loans and leases to core deposits | 109.5485% | 3,491 |
| Total domestic deposits to total assets | 87.7307% | 1,871 |
| Equity capital to assets | -5.5996% | 8,246 |
| Core capital (leverage) ratio | -5.7773% | 8,246 |
| Tier 1 risk-based capital ratio | -5.4988% | 8,244 |
| Total risk-based capital ratio | -5.5153% | 8,244 |
| Memoranda: | ||
| Average total assets | $14,202,621,000 | 86 |
| Average earning assets | $13,326,494,500 | 79 |
| Average equity | $-28,494,000 | 8,246 |
| Average total loans | $10,562,183,000 | 78 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3782% | 7,493 |
| Cost of funding earning assets | 2.9029% | 2,256 |
| Net interest margin | 2.4753% | 7,784 |
| Noninterest income to average assets | 0.8223% | 2,394 |
| Noninterest expense to average assets | 2.3777% | 6,479 |
| Loan and lease loss provision to assets | 3.2388% | 268 |
| Net operating income to assets | -2.6226% | 7,740 |
| Return on assets (ROA) | -2.6922% | 7,730 |
| Pretax return on assets | -2.5716% | 7,609 |
| Return on Equity (ROE) | -48.5429% | 8,146 |
| Retained earnings to average equity (ytd only) | -48.5429% | 8,129 |
| Net charge-offs to loans | 1.6800% | 660 |
| Credit loss provision to net charge-offs | 296.4035% | 1,528 |
| Earnings coverage of net charge-offs (x) | 0.6743% | 5,820 |
| Efficiency ratio | 71.7794% | 3,979 |
| Assets per employee ($millions) | 8.1095% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4862% | 691 |
| Loan loss allowance to noncurrent loans | 48.5699% | 5,578 |
| Noncurrent assets plus other real estate owned to assets | 4.1137% | 984 |
| Noncurrent loans to loans | 5.1189% | 842 |
| Net loans and leases to total assets | 69.2275% | 4,202 |
| Net loans and leases to deposits | 89.9736% | 3,461 |
| Net loans and leases to core deposits | 114.3374% | 3,299 |
| Total domestic deposits to total assets | 76.9421% | 6,011 |
| Equity capital to assets | 4.5895% | 8,225 |
| Core capital (leverage) ratio | 8.1658% | 6,230 |
| Tier 1 risk-based capital ratio | 8.6432% | 7,957 |
| Total risk-based capital ratio | 11.5259% | 6,315 |
| Memoranda: | ||
| Average total assets | $15,863,129,600 | 79 |
| Average earning assets | $14,689,939,800 | 77 |
| Average equity | $879,777,600 | 128 |
| Average total loans | $10,317,843,200 | 79 |