Vitals
  • Total Assets
    311.3M 8.0 %
  • Total Deposits
    281.0M 9.1 %
  • Total Net Loans
    219.4M 9.0 %
  • Net Income
    4.1M 5.7 %
  • Book Value
    29.2M -1.3 %
  • Book Value x2
    58.4M -1.3 %
  • Book Value x3
    87.6M -1.3 %
ROAA

1.396

ROAE

13.653

Efficiency Ratio

61.145

Net Interest Margin

3.681

Balance Sheet Highlights
Financial Highlights Guardian Bank All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 311,345 256,123
Total Net Loans 219,448 160,108
Total Deposits 280,975 221,413
Total Equity 29,186 27,434
Profitability
Net Income 4,127 2,812
Return on Average Assets 1.396 .99
Return on Average Equity 13.653 8.811
Net Interest Margin 3.681 4.031
Efficiency Ratio 61.145 72.067
Noninterest Income/Revenue 6.225 19.316
Balance Sheet Ratios
Loan-to-Deposit 78.102 70.662
Securities/Assets .185 .165
Total Equity/Total Assets .094 .107
Tangible Equity/Tangible Assets .094 .105
Capital Adequacy
Tier 1 Common Capital 30,380 26,376
Tier 1 Capital 30,380 26,452
Tier 2 Capital 2,645 1,919
Total Capital 33,025 28,453
Total Risk Weighted Assets 209,932 174,280
Leverage Ratio 9.9 10.62
Common Equity Tier 1 Capital Ratio 14.47 16.191
Tier 1 Capital Ratio 14.47 16.286
Total Capital Ratio 15.73 17.433

Timeline for Guardian Bank

Guardian Bank

Guardian Bank was established 23 years ago and is currently headquartered in Valdosta, GA.

May 01 2001

Wb&T Bankshares, Inc.

Wb&T Bankshares, Inc. became a new parent organization for Guardian Bank.

View Profile May 01 2001
Relationships Role Relationship Start Relationship End
Wb&T Bankshares, Inc. Parent 5/1/2001
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