Financial Highlights
2017 FQ3 YTD
9/30/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
2013 FY
12/31/2013
Balance Sheet ($000)
Total Assets 3,510,046 3,366,427 2,368,525 2,124,778 1,911,032
Total Net Loans 2,638,966 2,495,888 1,791,536 1,518,944 1,299,419
Total Deposits 2,898,060 2,699,084 1,801,845 1,685,324 1,528,457
Equity Attributable to Parent Company 375,152 352,378 221,639 206,939 189,394
Total Equity 375,152 352,378 221,639 206,939 189,394
Profitability (%)
Net Income($000) 30,019 24,727 22,454 13,512 14,029
Net Income Attributable to Parent($000) 30,019 24,727 22,454 13,512 14,029
ROAA 1.18 0.93 1.01 0.68 0.75
Core ROAA 1.28 1.12 1.07 0.76 0.85
ROAE 10.96 9.35 10.42 6.72 7.40
ROATCE 14.18 10.98 11.34 7.78 8.73
Core ROAE 11.95 11.33 11.01 7.58 8.37
Net Interest Margin 3.76 3.68 3.74 3.73 3.71
Reported: Net Interest Margin 3.88 3.69 3.75 3.74 3.72
Efficiency Ratio 54.28 57.96 60.89 72.16 69.70
Noninterest Inc/ Operating Rev 17.56 17.62 18.13 19.50 17.85
Balance Sheet Ratios (%)
Loans/ Deposits 91.84 93.18 100.70 91.46 86.36
Securities/ Assets 16.42 17.57 17.96 21.19 23.19
Total Equity/ Total Assets 10.69 10.47 9.36 9.74 9.91
Tangible Equity/ Tangible Assets 8.88 8.52 9.16 9.43 9.60
Tang Common Equity/ Tang Assets 8.88 8.52 9.16 9.43 9.60
Asset Quality (%)
NPAs/ Assets 0.45 0.92 1.13 1.37 1.37
NPA Excl Restructured/ Assets 0.14 0.17 0.64 0.70 1.04
NPAs & 90+ PD/ Assets 0.45 0.92 1.13 1.37 1.37
NPAs/ Loans & REO 0.59 1.23 1.48 1.88 1.98
Nonaccrual & 90+ & OREO/ Assets 0.14 0.17 0.64 0.70 1.04
NPAs & 90+ PD/ Loans & REO 0.59 1.23 1.48 1.88 1.98
NPA & Loans 90+/ Tangible Common Equity + LLR 4.79 10.18 11.20 13.06 12.85
NCOs/ Avg Loans 0.05 (0.01) (0.03) (0.10) 0.36
Loan Loss Reserves/ Gross Loans 0.86 0.92 1.27 1.46 1.59
Reserves/ NPAs 145.55 75.14 85.73 77.50 80.18
Loan Loss Provision/ NCO 66.92 NM NM NM 6.68
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 296,146 224,305 203,745 193,460
Tier 1 Capital($000) NA 321,146 248,283 228,745 218,461
Tier 2 Capital($000) NA 63,406 23,121 NA NA
Total Capital($000) NA 384,552 271,404 251,366 238,390
Total Risk-weighted Assets($000) NA 2,832,128 2,049,712 1,815,560 1,593,170
Tier 1 Common Capital (CET1) Ratio(%) 10.56 10.46 10.94 11.22 12.14
Tier 1 Ratio(%) 11.40 11.34 12.11 12.60 13.71
Total Capital Ratio(%) 13.50 13.58 13.24 13.85 14.96
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.15 9.81 10.68 11.10 11.49
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 28,401,870 28,334,004 21,704,852 21,628,873 21,303,707
Avg Diluted Shares(actual) 28,140,332 23,559,947 21,272,336 21,086,543 20,951,237
Basic Book Value per Share 13.21 12.44 10.21 9.57 8.89
As-reported Book Value per Share 13.21 12.44 10.21 9.57 8.89
Basic Tangible Book Value per Share 10.75 9.91 9.97 9.24 8.58
Reported: Tangible Book Value 10.75 9.91 9.97 9.24 8.58
EPS after Extra 1.07 1.05 1.06 0.64 0.67
Core EPS 1.17 1.27 1.12 0.72 0.76
Diluted EPS before Amortization 1.14 1.12 1.15 0.76 0.80
Pre-Provision Earnings per Share 1.09 1.20 1.04 0.61 0.64
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.

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