Guaranty Bond Bank

Guaranty Bond Bank is headquartered in Mount Pleasant and is the 42^nd largest bank in the state of Texas. It is also the 585^th largest bank in the nation. It was established in 1913 and as of March of 2012, it had grown to 307 employees at 16 locations. Guaranty Bond Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics Guaranty Bond Bank FDIC Certificate # 1208 BankRate Report View Year Established 1913 Employees 307 Primary Regulator FDIC Assets and Liabilities Assets $1.13 billion Loans $595.81 million Deposits $922.98 million Equity Capital $103.86 million Loan Loss Allowance $6.14 million Unbacked Noncurrent Loans $5.02 million Real Estate Owned $2.50 million Historic Data - March 2011 Assets $977.98 million Equity Capital $87.38 million Loan Loss Allowance $6.42 million Unbacked Noncurrent Loans $4.91 million Real Estate Owned $3.72 million Profit Margin - Quarterly Net Interest Margin 3.16% Return on Assets 1.43% Return on Equity 15.3% Interest Income $10.42 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 Bond Bank had $7.52 million in non-current loans and owned real-estate with $110 million in equity and loan loss allowances on hand to cover it. This gives Guaranty Bond Bank a Texas Ratio of 6.83% 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 Bond Bank decreased slightly from 9.26% as of March 31, 2011 to 6.83% as of March 31, 2012, resulting in a positive change of 26.21%.This indicates that the balance sheet and financial strength for Guaranty Bond Bank has improved slightly in recent periods. Deposit Growth In the past year, Guaranty Bond Bank has increased its total deposits by $111.28 million, resulting in 13.71% 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 Bond Bank 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 Bond Bank has $1.13 billion in assets with $110 million in equity, resulting in a capitalization level of 9.77%, which is average.

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