Guaranty Bank & Trust Company of Delhi, Louisiana

Guaranty Bank & Trust Company of Delhi, Louisiana is headquartered in Delhi and is the 89^th largest bank in the state of Louisiana. It is also the 4,110^st largest bank in the nation. It was established in 1966 and as of March of 2012, it had grown to 43 employees at 7 locations. Guaranty Bank & Trust Company of Delhi, Louisiana has a 5-star health rating.

Data for Q1 2012

Institution Statistics Guaranty Bank & Trust Company of Delhi, Louisiana FDIC Certificate # 19638 BankRate Report View Year Established 1966 Employees 43 Primary Regulator FDIC Assets and Liabilities Assets $136.42 million Loans $82.17 million Deposits $113.91 million Equity Capital $13.05 million Loan Loss Allowance $779,000 Unbacked Noncurrent Loans $25,000 Historic Data - March 2011 Assets $120.51 million Equity Capital $12.24 million Loan Loss Allowance $560,000 Unbacked Noncurrent Loans $38,000 Real Estate Owned $39,000 Profit Margin - Quarterly Net Interest Margin 4.68% Return on Assets 1.96% Return on Equity 20.58% Interest Income $1.67 million

Institution Health Overall Score: 5 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 & Trust Company of Delhi, Louisiana had $25,000 in non-current loans and owned real-estate with $13.83 million in equity and loan loss allowances on hand to cover it. This gives Guaranty Bank & Trust Company of Delhi, Louisiana a Texas Ratio of 0.18% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Guaranty Bank & Trust Company of Delhi, Louisiana decreased significantly from 0.60% as of March 31, 2011 to 0.18% as of March 31, 2012, resulting in a positive change of 69.96%.This indicates that the balance sheet and financial strength for Guaranty Bank & Trust Company of Delhi, Louisiana has improved significantly in recent periods. Deposit Growth In the past year, Guaranty Bank & Trust Company of Delhi, Louisiana has increased its total deposits by $14.91 million, resulting in 15.06% 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 & Trust Company of Delhi, Louisiana has shown is excellent. 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 & Trust Company of Delhi, Louisiana has $136.42 million in assets with $13.83 million in equity, resulting in a capitalization level of 10.14%, which is above average.

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