Guaranty Bank

Guaranty Bank is headquartered in Springfield and is the 36^th largest bank in the state of Missouri. It is also the 1,022^nd largest bank in the nation. It was established in 1891 and as of December of 2012, it had grown to 173 employees at 9 locations. Guaranty Bank has a 4-star health rating.

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Data for Q4 2012

Institution Statistics Guaranty Bank FDIC Certificate # 28670 BankRate Report View Year Established 1891 Employees 173 Primary Regulator FDIC Assets and Liabilities Assets $659.25 million Loans $468.38 million Deposits $501.14 million Equity Capital $64.07 million Loan Loss Allowance $8.74 million Unbacked Noncurrent Loans $15.33 million Real Estate Owned $4.53 million Historic Data - December 2011 Assets $647.70 million Equity Capital $67.65 million Loan Loss Allowance $10.61 million Unbacked Noncurrent Loans $17.00 million Real Estate Owned $10.01 million Profit Margin - Quarterly Net Interest Margin 3.56% Return on Assets 0.45% Return on Equity 4.47% Interest Income $27.61 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 December 31, 2012 Guaranty Bank had $19.86 million in non-current loans and owned real-estate with $72.81 million in equity and loan loss allowances on hand to cover it. This gives Guaranty Bank a Texas Ratio of 27.28% 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 decreased slightly from 34.52% as of December 31, 2011 to 27.28% as of December 31, 2012, resulting in a positive change of 20.97%.This indicates that the balance sheet and financial strength for Guaranty Bank has improved slightly in recent periods. Deposit Growth In the past year, Guaranty Bank has increased its total deposits by $15.3 million, resulting in 3.15% 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 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 has $659.25 million in assets with $72.81 million in equity, resulting in a capitalization level of 11.04%, which is above average.

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