{
  "docId": "019de073-bc17-7316-bd84-c99c3668c474",
  "docSlug": "8a370340cd2cf125b8c89fa3307200f6",
  "documentTitle": "Guaranty Bancshares | Results Presentation Deck | 12 slides",
  "authorId": "guaranty-bancshares",
  "authorName": "Guaranty Bancshares",
  "documentKindSlug": "conference-presentation",
  "documentKindLabel": "Conference presentation",
  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2022-10-01 00:00:00",
  "orientation": "landscape",
  "aspectRatio": 1.7777778,
  "pageNumber": 6,
  "pageCount": 12,
  "prevPage": 5,
  "nextPage": 7,
  "slideType": "kpi_overview",
  "function": "summarize",
  "density": "dense",
  "nDataPoints": 16,
  "notes": null,
  "elementsJson": null,
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019de073-bc17-7316-bd84-c99c3668c474/6",
  "deckHref": "/decks/019de073-bc17-7316-bd84-c99c3668c474",
  "deckJsonHref": "/decks/019de073-bc17-7316-bd84-c99c3668c474.json",
  "deckAnchorHref": "/decks/019de073-bc17-7316-bd84-c99c3668c474#slide-6",
  "components": [
    {
      "bbox": {
        "h": 0.03,
        "w": 0.8,
        "x": 0.07,
        "y": 0.95
      },
      "kind": "disclaimer",
      "text": "*Non-GAAP financial metrics. Calculations of these metrics and reconciliations to GAAP are included in the Reconciliation of Non-GAAP Financial Measures pages at the end of this presentation.",
      "attrs": null,
      "subkind": null,
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "36d8c9b1-d013-4143-84e8-50841630e0ba",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.25,
        "w": 0.75,
        "x": 0.23,
        "y": 0.68
      },
      "kind": "list",
      "text": "Provision for credit losses of $600,000 in 3Q22, compared to no provision in 2Q22 and a reverse provision for credit losses of $1.25 million during 1Q22. Fully unwound COVID-specific qualitative factors in 1Q22 and adjusted other Q-factors to reflect conditions more similar to pre-COVID economic environment and possible downturn. Anticipate increasing certain Q-factor adjustments in 4Q22 for a forecasted recession in 2023. Allowance for credit losses (ACL) coverage is 1.29% of total loans at Sept 30, 2022, compared to 1.59% at Dec 31, 2021.",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "407c226c-4e94-44e9-a490-5fc38265ebc0",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.45,
        "w": 0.75,
        "x": 0.23,
        "y": 0.23
      },
      "kind": "list",
      "text": "Loan growth continued to be strong in 3Q22 but signs of slow-down are appearing. Loan yield is trending upward. Average loan yield, ex-PPP*, for 3Q22 is 4.96% compared to 4.70% for 2Q22. Weighted average yield on new loan originations in 3Q22 was 5.65%, compared to 4.65% in 2Q22. $264.4 million of our loan portfolio is fully floating and $1.2 billion are adjustable rate term loans. If rates increase, $354.5 million, or 15.7% of our total portfolio will reprice by December 31, 2022. Non-performing assets to total assets were 0.28% in 3Q22, compared to 0.30% in 2Q22. Non-performing loans include four loans to two related borrowers that were acquired from Westbound Bank, have an outstanding balance of $6.7 million are 75% SBA guaranteed. Minimal, if any, losses are expected. Non-performing assets to total loans were 0.41%, compared to 0.46% in 2Q22. Net charge-offs were $362,000, compared to $99,000 in 2Q22. Net charge-offs to average loans was 0.07% in 3Q22, compared to 0.02% in 2Q22.",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "8410864d-0f50-4019-a3ef-f991a64f5898",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.08,
        "w": 0.7,
        "x": 0.07,
        "y": 0.07
      },
      "kind": "title",
      "text": "Q3 2022 – QUARTERLY HIGHLIGHTS",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "d340f019-33b2-4169-bbe7-9ea570237ddd",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [
    {
      "name": "List presentation",
      "slug": "list-presentation",
      "agent": null,
      "layer": "slide",
      "matchId": "71b75bc6-bac6-412f-ad2c-8fbd778a2381",
      "evidence": "The slide contains a list of bullet points discussing loan growth and provision for credit losses.",
      "confidence": 0.8
    }
  ],
  "frameworks": [],
  "arcBeats": [],
  "loops": [],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}