Guaranty Bank (MS)

Guaranty Bank (MS) is headquartered in Belzoni and is the 19^st largest bank in the state of Mississippi. It is also the 1,283^rd largest bank in the nation. It was established in 1943 and as of September of 2011, it had grown to 169 employees at 14 locations. Guaranty Bank (MS) has a 4-star health rating.

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Data for Q3 2011

Institution Statistics Guaranty Bank and Trust Company FDIC Certificate # 15953 BankRate Report View Year Established 1943 Employees 169 Primary Regulator FDIC Assets and Liabilities Assets $527.90 million Loans $343.60 million Deposits $447.93 million Equity Capital $55.51 million Loan Loss Allowance $5.88 million Unbacked Noncurrent Loans $3.62 million Real Estate Owned $4.59 million Historic Data - September 2010 Assets $505.59 million Equity Capital $52.32 million Loan Loss Allowance $6.87 million Unbacked Noncurrent Loans $6.08 million Real Estate Owned $3.64 million Profit Margin - Quarterly Net Interest Margin 4.54% Return on Assets 1.07% Return on Equity 10.09% Interest Income $18.77 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 September 30, 2011 Guaranty Bank (MS) had $8.21 million in non-current loans and owned real-estate with $61.39 million in equity and loan loss allowances on hand to cover it. This gives Guaranty Bank (MS) a Texas Ratio of 13.37% which is above 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 (MS) decreased slightly from 16.43% as of September 30, 2010 to 13.37% as of September 30, 2011, resulting in a positive change of 18.62%.This indicates that the balance sheet and financial strength for Guaranty Bank (MS) has improved slightly in recent periods. Deposit Growth In the past year, Guaranty Bank (MS) has increased its total deposits by $14.21 million, resulting in 3.28% 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 (MS) 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 (MS) has $527.9 million in assets with $61.39 million in equity, resulting in a capitalization level of 11.63%, which is above average.

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