Vitals
  • Total Assets
    254.8M 34.1 %
  • Total Deposits
    196.0M 15.5 %
  • Total Net Loans
    168.9M 6.6 %
  • Net Income
    334000.0000 -71.9 %
  • Book Value
    55.2M 189.3 %
  • Book Value x2
    110.4M 189.3 %
  • Book Value x3
    165.6M 189.3 %
ROAA

.887

ROAE

6.295

Efficiency Ratio

71.281

Net Interest Margin

5.009

Balance Sheet Highlights
Financial Highlights Guaranty Bank All Insured Commercial Banks in Virginia
Balance Sheet $(000)
Total Assets 254,759 286,903
Total Net Loans 168,913 191,167
Total Deposits 195,974 239,109
Total Equity 55,189 26,610
Profitability
Net Income 334 4,118
Return on Average Assets .887 1.115
Return on Average Equity 6.295 11.897
Net Interest Margin 5.009 4.05
Efficiency Ratio 71.281 65.483
Noninterest Income/Revenue 11.636 16.869
Balance Sheet Ratios
Loan-to-Deposit 86.192 78.782
Securities/Assets .07 .609
Total Equity/Total Assets .217 .093
Tangible Equity/Tangible Assets .075 -.341
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 19,257 24,316
Tier 2 Capital 2,232 2,740
Total Capital 21,489 27,424
Total Risk Weighted Assets 178,540 205,195
Leverage Ratio 9.04 9.255
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 10.79 12.973
Total Capital Ratio 12.04 14.342

Timeline for Guaranty Bank

Union Bank & Trust

Guaranty Bank was acquired by Union Bank & Trust 19 years

View Profile Sep 11 2004

Union Bankshares Corporation

Union Bankshares Corporation became a new parent organization for Guaranty Bank.

View Profile May 01 2004

Guaranty Financial Corporation

Guaranty Financial Corporation became a new parent organization for Guaranty Bank.

View Profile Jul 01 1997

Guaranty Investments Corporation

Guaranty Investments Corporation became a new subsidiary organization for Guaranty Bank.

View Profile Jul 01 1997

Gmsc, Inc.

Gmsc, Inc. became a new subsidiary organization for Guaranty Bank.

View Profile Jul 01 1997

Want to see more?

Complete timeline for Guaranty Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Union Bank & Trust Buyer 8,242,173 Acquisition Discontinued 9/11/2004
Relationships Role Relationship Start Relationship End
Union Bankshares Corporation Parent 5/1/2004 9/10/2004
Guaranty Financial Corporation Parent 7/1/1997 4/30/2004
Guaranty Investments Corporation Subsidary 7/1/1997 9/10/2004
Gmsc, Inc. Subsidary 7/1/1997 9/10/2004
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