State Guaranty Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

State Guaranty Bank offers a variety of C.D.'s. You can invest in a Guaranty State Bank C.D. for as little as 1 month or as long as 60 month. Another unique investment at The Guaranty is Educational C.D. This is a C.D. that is designed to come due when a child graduates from high school. It can be started at any time and in any amount. Additional deposits may be made whenever you wish. The C.D. earns the highest rate of interest that the bank is paying. The interest rate is subject to change every three years. After the child graduates from high school, the C.D. can be continued as long as they are a student.

At the State Guaranty Bank, loan officers have a combined total of over 100 years experience in helping people with their financial needs. Whether it's farm, commercial or personal financing that you need, the Guaranty can help you.