Guaranty Bank and Trust Company (LA)

Guaranty Bank and Trust Company (LA) is headquartered in New Roads and is the 87^th largest bank in the state of Louisiana. It is also the 4,074^th largest bank in the nation. It was established in 1957 and as of March of 2012, it had grown to 43 employees at 4 locations. Guaranty Bank and Trust Company (LA)'s savings rates are 4X the national average, and it has a 4-star health rating.

Guaranty Bank and Trust Company (LA) Checking Account Rates

Guaranty Bank and Trust Company (LA) Savings Account Rates

Guaranty Bank and Trust Company (LA) Money Market Rates

Guaranty Bank and Trust Company (LA) CD Rates

Data for Q1 2012

Institution Statistics Guaranty Bank and Trust Company FDIC Certificate # 17767 BankRate Report View Year Established 1957 Employees 43 Primary Regulator FDIC Assets and Liabilities Assets $138.20 million Loans $100.61 million Deposits $120.96 million Equity Capital $13.77 million Loan Loss Allowance $1.06 million Unbacked Noncurrent Loans $1.35 million Real Estate Owned $943,000 Historic Data - March 2011 Assets $131.35 million Equity Capital $12.06 million Loan Loss Allowance $909,000 Unbacked Noncurrent Loans $767,000 Real Estate Owned $1.44 million Profit Margin - Quarterly Net Interest Margin 4.9% Return on Assets 1.12% Return on Equity 11.03% Interest Income $1.80 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Guaranty Bank and Trust Company (LA) had $2.29 million in non-current loans and owned real-estate with $14.82 million in equity and loan loss allowances on hand to cover it. This gives Guaranty Bank and Trust Company (LA) a Texas Ratio of 15.45% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Guaranty Bank and Trust Company (LA) held steady from 17.04% as of March 31, 2011 to 15.45% as of March 31, 2012, resulting in a positive change of 9.37%.This indicates that the balance sheet and financial strength for Guaranty Bank and Trust Company (LA) has held steady in recent periods. Deposit Growth In the past year, Guaranty Bank and Trust Company (LA) has increased its total deposits by $5.58 million, resulting in 4.84% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Guaranty Bank and Trust Company (LA) has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Guaranty Bank and Trust Company (LA) has $138.2 million in assets with $14.82 million in equity, resulting in a capitalization level of 10.72%, which is above average.

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