2014 Annual Report page 2
Growing because we help you grow Ty Abston
Chairman of the Board & CEO
Dear Fellow Shareholders,
We are pleased to report that Guaranty Bancshares had
solid performance in 2014 in almost every area of the
Company. We began the year with a strategic goal of
generating organic growth in our loan portfolio to replace
lower yielding securities. Our efforts proved successful,
and we ended the year with record loans of over $792
million, an $86 million or 12% net increase from year end
2013. Total bank deposits reached a new record of over
$1.08 billion, and total assets also increased to a record
$1.33 billion. Our recent expansion efforts into the new
markets of Bryan/College Station and Longview helped
fuel this growth. Recently announced expansion plans
into the vibrant Dallas/Ft. Worth market should prove to
continue this strong growth trend.
The Company’s pre-tax earnings were $13.7 million for 2014,
similar to last year’s earnings results. Although not completely
satisfied with these results, we are pleased that they were achieved
while maintaining a very conservative liquidity and interest rate
risk posture, and while absorbing the start-up costs of our new
market expansions. We continue to prudently manage interest
rate risks on our balance sheet, and remain willing to sacrifice
some short-term earnings opportunities in order to remain well
positioned for rising rates in the future.
For the 22nd consecutive year, with the exception of only one year
of level dividends, we were able to increase dividends paid to
shareholders to a record $1.00 (0.50 cents split adjusted) per
share. This represents a 5.26% increase compared to the $0.95
2014 Annual Report page 1
Growing because we help you grow$200,000 !$300,000 !$400,000 !$500,000 !$600,000 !$700,000 !$800,000 !2010!2011!2012!2013!2014!Total Loans!(In Thousands)!$200,000 !$400,000 !$600,000 !$800,000 !$1,000,000 !$1,200,000 !$1,400,000 !2010
2011
2012
2013
2014
Total Assets!(In Thousands)!$200,000 !$400,000 !$600,000 !$800,000 !$1,000,000 !$1,200,000 !2010!2011!2012!2013!2014!Total Deposits!(In Thousands)! We began the year as a
C-Corp tax status, having
converted from an S-Corp
at the beginning of the
year to better position the
Company for acquisitions
and future corporate
strategies to enhance
shareholder value and
liquidity.
(0.475 cents split adjusted) per share in 2013. Additionally, in
December we paid a special one-time tax free dividend of $1.00
per share, taking advantage of this one-time option in 2014
following our S-Corp. conversion last year. That brings the total
dividend paid in 2014 to $1.50 or a 6.5% return on today’s stock
valuation. Our stock valuation ended 2014 at $23 per share on a
split-adjusted basis. We continue to work hard to create fair and
consistent returns for our shareholders.
Strategic moves in 2014
We executed on several strategic initiatives in 2014, all designed
to better position our Company for continued future growth. Below
is a list of major initiatives achieved by the Company in 2014:
January: We began the year as a C-Corp tax status,
having converted from an S-Corp at the
beginning of the year to better position
the Company for acquisitions and
future corporate strategies to enhance
shareholder value and liquidity.
April: We opened full-service bank locations in
College Station and Longview, Texas.
May: We completed a 10% shareholder Rights
Offering and raised $14.4 million in new
capital to continue our growth trajectory.
June: We opened a full-service bank location in
Bryan, Texas.
July: We changed the bank’s name to “Guaranty
Bank & Trust” to give us a commercially
strong name as we continue to expand
our banking franchise across the state.
New Locations Added in 2014
College Station
Longview
Bryan
2014 Annual Report page 2
Our strategy is simple and
straight forward. We plan
to remain independent
by continuing to grow our
franchise and creating
shareholder value.
August: We announced and completed a 2-for-1 stock
split for all GNTY shareholders of record as of
August 20th.
December: We announced the acquisition of Texas
Leadership Bank in Royse City, a move that
expanded Guaranty into the rapidly growing
Rockwall County.
December: We announced the acquisition of Preston
State Bank in Dallas with its two locations
and strong management team. This merger
will be the foundation of our future expansion
efforts into the fast growing DFW market.
Looking to the future
Over the years Guaranty has been a very successful company.
In fact, it’s this past success that we are building upon today.
But past successes never guarantee future success. Banking
remains a rapidly changing industry, with technology and
banking regulations significantly impacting the business model of
community banks like ours. The strategic moves that we have
made over the last five years, and those that we’ll continue to
make in 2015, are designed to best position Guaranty to continue
building on our past successes.
Our strategy is simple and straight forward. We plan to remain
independent, and continue to grow our franchise, creating
shareholder value. We also plan to continue diversifying our
balance sheet with strategic expansion in strong growth markets
throughout this vibrant state of ours while maintaining good
liquidity and fair valuation options for our shareholders.
Status quo and complacency are often initially comfortable
when considering corporate strategy. However, that course will
Joining Our Guaranty Family in 2015
2014 Annual Report page 3
Growing because we help you grow
not necessarily produce good future prospects or results for a
company. Regardless of what worked in the past, the banking
industry is simply changing too rapidly to remain stagnate.
Guaranty’s board and management agree that if we are not
growing and diversifying our asset base, expanding our banking
footprint and consistently upgrading our talents, then we are
really limiting our future prospects. Not only to create continued
acceptable shareholder returns, but to remain independent and a
vibrant growing company. However, we are not seeking growth
for its own sake. Instead we are striving for growth that includes:
sheet,
· continued diversification of our balance
· growing the strengths and talents of our
· increasing our technology capabilities, and
· positioning the company strategically to be in
leadership team,
markets that will benefit from the economic
growth opportunities that are currently developing in our
great state.
Guaranty’s board and
management agree that
if we are not growing and
diversifying our asset base,
expanding our banking
footprint and consistently
upgrading our talents, then
we are really limiting our
future prospects.
We strive to do all of this while maintaining our core banking
philosophy and focus on strong asset quality. Banking franchises
that can accomplish this task in the coming years will be valuable
franchises that have their futures in front of them. Those that
can’t or just as importantly won’t, will find their futures dictated to
them by circumstance. Charting this path forward has been and
will remain the overriding goal of our board and this management
team.
We recently announced the acquisition of Preston State Bank
in Dallas and Texas Leadership Bank in Royse City. Both bank
franchises bring strong shareholders, customers, and bank
staff to join our Guaranty team. In addition, these combinations
Increasing our technology
capabilities is important in
a rapidly changing banking
Mobile
Applications
Online
Banking
Bill Pay
ATM
industry.
2014 Annual Report page 4
provide Guaranty with an initial entry platform into the fast growing
DFW market. We are excited about the future prospects these
mergers offer our combined shareholders. Guaranty’s balance
sheet strength and resources position us well for strong growth
opportunities in the vibrant Dallas market. In conjunction with
this expansion into the Dallas market, we plan to consolidate our
corporate functions into the Mt. Pleasant and Dallas markets.
This move creates greater efficiencies for the company by
consolidating departmental
from several different
markets. It also maximizes Guaranty’s options in the future as
we continue to grow our franchise and need to attract additional
talent to our team. The resulting organizational model is a very
scalable platform designed and constructed to position Guaranty
well for the future as a larger bank franchise.
functions
Of the more than 500 banks operating in Texas today, Guaranty
is now in the Top 50 in the state by asset size. We see great
opportunities ahead for our Company. We have the strength
and asset base to serve customers of all sizes, offer an array of
commercial and consumer banking products, maintain state-of-
the-art secure networks for our customer’s peace of mind, and
employ top-talented bankers to serve our customers and clients.
These facts put Guaranty in a strong position for the future.
Our whole team feels very fortunate to have the opportunity to
lead such a great company. We look forward to the future and the
exciting possibilities that lie ahead for our Company. Thank you,
fellow shareholders, for your continued investment, support, and
confidence in Guaranty Bank & Trust and Guaranty Bancshares.
Ty Abston
Chairman of the Board & CEO
Guaranty Bancshares, Inc.
We have the strength
and asset base to serve
customers of all sizes, offer
an array of commercial and
consumer banking products,
maintain state-of-the-art
secure networks for our
customer’s peace of mind,
and employ top-talented
bankers to serve our
customers and clients.
Top
50 bank
Of the more than 500 banks
operating in Texas today,
Guaranty is now in the Top 50
in the state by asset size.
2014 Annual Report page 5
Growing because we help you grow Executive Management Team
Ty Abston - Chairman of the Board & Chief Executive Officer
Ty Abston is Chairman of the Board and CEO of Guaranty Bank & Trust, as well as its parent company, Guaranty Bancshares,
Inc. He is also Chairman of the Executive Committee of the Board, a member of the Director’s Loan Committee, and either
chairs or is a member of all the key operational committees of the bank.
During his 27-year banking career, Abston has demonstrated strong skills in bank management, strategic planning, and
mergers & acquisitions. In addition to oversight of the commercial lending and loan portfolio divisions, he chairs the bank’s
Investment Committee, managing $400 million in securities for the bank. He has served on the boards of the Federal Home
Loan Bank of Dallas and Independent Bankers Association of Texas, and Texas Security Bank in Dallas.
Abston received his bachelor’s degree in Finance from the University of North Texas and his MBA in Finance from Texas A&M
University–Texarkana. He is a graduate of ABA’s National Commercial Lending School.
Starting in 2015, Abston will maintain dual offices in the Dallas and Mt. Pleasant markets.
Kirk Lee - Vice Chairman & Chief Credit Officer
Kirk Lee has over 30 years of experience in banking. Currently serving as Vice Chairman and Chief Credit Officer of Guaranty
Bank & Trust, and as President of its parent company Guaranty Bancshares, Inc. Lee also chairs the Director’s Loan
Committee and is a member of the Executive Committee. He served the Arkansas State Banking Department as a Bank
Examiner Supervisor, and worked a number of years in commercial lending and management at another community bank
prior to joining Guaranty in 1992 as President of the bank’s Paris location. Lee chairs or is a member of all the key operational
committees of the bank.
He holds a B.A. in Business Administration from Ouachita Baptist University as well as graduated from the Southwestern
Graduate School of Banking.
Lee offices in the Bryan/College Station market.
Cappy Payne - Senior Executive Vice President & Chief Financial Officer
Cappy Payne serves as the Senior Executive Vice President and Chief Financial Officer for Guaranty Bank & Trust and its
parent company Guaranty Bancshares, Inc. and is a member of the Executive Committee. He started with the bank in 1984 as
a Credit Analyst, advancing to Senior Loan Officer, Controller, and Investment Officer. He has served as a director of the bank
and holding company since 1995.
With almost 30 years of executive financial experience, Payne oversees Guaranty Bank & Trust's divisions in accounting,
deposit services, technology, and marketing. He chairs or is a member of all the key operational committees of the bank. During
his tenure as CFO, Guaranty Bank & Trust went public in 1998, was listed on the Nasdaq Stock Exchange, and then returned in
2005 to a private entity. Guaranty Bancshares Inc. is currently a privately held company.
In 1980, Payne began his career at Oakerson & Arnold PC, a regional CPA firm, becoming a certified public accountant in 1985
after joining Guaranty. Payne holds a BBA in Accounting from Baylor University and is a licensed CPA.
Starting in 2015, Payne will office in the Dallas market.
Hal Lower - Executive Vice President
Hal Lower is Executive Vice President of Guaranty Bank & Trust, serves on the Board of the Bank and Holding company, and
is a member of the Director’s Loan Committee and Executive Committee. Lower has an extensive accounting background that
supports his credit and lending duties. With administrative oversight of Guaranty Bank & Trust's five Bowie County locations,
he serves on most of the key operational committees of the bank.
Lower has over 20 years experience in banking. In addition to being a licensed CPA, he holds a Bachelor’s Degree in
Accounting from Texas A&M University in College Station.
Lower offices in the Texarkana market.
Martin Bell - Executive Vice President
Martin Bell is Executive Vice President and serves on the board of Guaranty Bank & Trust. Bell has commercial, real estate, and
consumer lending responsibilities as well as administrative oversight of 20 bank locations and the bank’s mortgage division. He
leads the bank’s Strategic Planning process and M&A integrations. He chairs the bank’s Management Team, Integration Team,
and New Product Committees, and serves on all key operational committees of the bank.
Bell has over 30 years experience in banking. He holds a BBA in Finance from Texas Christian University and graduated
from Texas Tech Intermediate and Advanced Schools of Banking. In 1991, Bell graduated with Honors from the Southwestern
Graduate School of Banking in Dallas.
Bell offices in the Mt. Pleasant market.
2014 Annual Report page 6
Executive Management Team
Robin Sharp - Executive Vice President & Chief Risk Officer
Robin Sharp is Executive Vice President and is an Advisory member of the Board of Directors. In addition to commercial
lending responsibilities, he supervises the bank’s regulatory compliance and risk management divisions. Sharp serves on all
key operational committees of the bank.
Sharp has over 30 years experience in banking. He earned his Bachelor’s degree from Texas Tech University, attended the
American British College in Barcelona, Spain, and continued his education at Southwestern Graduate School of Banking.
Sharp graduated with Honors from the Southwestern Graduate School of Banking in 2007.
Sharp offices in the Mt. Pleasant market.
Danny Muskrat - Executive Vice President & Chief Technology Officer
Danny Muskrat serves as Executive Vice President and Chief Technology Officer and is an Advisory member of the Board
of Directors. Muskrat has 16 years of banking experience in digital channel growth, M&A, operations, network infrastructure,
system conversions, data processing, and information security. He chairs the Technology Committee and the Business
Intelligence Committee in addition to serving on other key operational committees of the bank.
Muskrat earned a Bachelor’s Degree in Business Administration with a major in Information Systems Management and a
Master’s Degree of Business Administration from Baylor University in Waco, Texas.
Muskrat offices in the Mt. Pleasant market.
Chuck Cowell - Dallas Market Chairman (Pending completion of the Preston State Bank merger)
Upon completion of the merger, Chuck Cowell will become the Dallas Market Chairman for Guaranty's banking operations in
the DFW Metroplex. Cowell has served as President and CEO of Preston State Bank and its parent company DCB Financial
Corp. in Dallas since September 2009. He has over 40 years of industry experience; having served in Executive Officer
positions for both privately held and publicly traded institutions in Midland, Graham, Abilene and Houston markets.
Cowell received his undergraduate degree in Finance from Texas Tech University and is a graduate of the National
Installment Lending School in Norman, Oklahoma and the Southwestern Graduate School of Banking at Southern Methodist
University, Dallas, Texas.
Cowell will office in the Dallas market.
Randy Kucera - Executive Vice President & General Counsel
Randy Kucera serves as General Council and is an Advisory member of the Board of Directors. He also serves as Executive
Vice President and General Council for Guaranty Bancshares, Inc. Prior to joining Guaranty Bank & Trust in 2013, he was
a partner in the litigation division of Akin & Gump law firm in Dallas. Prior to that he was an assistant district attorney in the
Dallas County District Attorney’s Office.
In his 30-year legal career, Kucera focused on complex commercial litigation, including a wide variety of contract, antitrust,
lender liability, ERISA, environmental, business tort, intellectual property, and insurance matters. He most recently served as
the litigation partner in charge of the firm’s commercial mortgage-backed securities (CMBS) litigation practice, which handles
complex commercial real estate litigation involving institutional lenders, financial service companies, conduit lenders, and
master and special servicers.
He graduated summa cum laude with a B.A. in Political Science in 1979 from Vanderbilt University, where he was a Harold
Sterling Vanderbilt distinguished scholar and received the Alexander Heard Award as the top graduate in his major. He earned
his J.D. in 1983 from Yale Law School, where he received the Thurman Arnold Award as the outstanding oral advocate in the
Yale Moot Court competition. He is a member of the State Bar of Texas, the Dallas Bar Association, and the Texas Association
of Defense Counsel. He is admitted to practice before the U.S. district courts for the Northern, Southern, Eastern, and
Western districts of Texas and the U.S. Court of Appeals for the 5th and 7th circuits.
Kucera offices in the Mt. Pleasant market.
2014 Annual Report page 7
Trust & Wealth Management Group
The focus of the Trust & Wealth Management services
at the Bank can be described in three words: Provide.
Protect. Pass.™
We work with our clients to provide for their loved ones and
philanthropic interests. We assist our clients with strategies
to protect their assets. We advise our clients on methods
to pass their values and assets to the next generation and
beyond.
The net growth rate for the department for the last four years
has been over 125%. This growth is propelled by a joining of
philosophies, doing what is right for the client in every situation,
a highly educated and specialized staff, and the support and
oversight of a strong community bank. This blend allows us to
offer the kind of personalized service that is often lost these
days. Both the Bank’s entrance into new markets and the Trust
& Wealth Management Group’s minerals management service
implementation provide additional growth opportunities in 2015.
Our full range of services include investment management
focusing on strategic asset allocation, administration of trusts,
estate settlement, and custodial services. The group’s four senior
officers have well over 100 years of combined experience in the
trust and wealth management industry.
Our experience is applied to analyze, evaluate, and address each
client’s diverse financial world. Individuals, families, philanthropic
organizations, and business entities hold unique assets that
include art, minerals, real estate, and businesses, as well as
conventional investments of stocks, mutual funds, and bonds.
The result is a comprehensive approach to wealth management
as a holistic discipline that is used to decipher and administer the
complexities of each client’s financial needs.
Trust & Wealth Management Group has
grown 125% over the last four years.
Jennifer Jefferies, Mick Trusty,
Andrew Hoeniges & Lacy McMillen
2014 Annual Report page 8
Mortgage Lending Group
The mortgage department performed well in 2014, despite
compliance and regulatory challenges facing the mortgage
industry. We closed 305 secondary market loans totaling
$49.4 million. Our entry into the Bryan/College Station and
Longview markets contributed to our growth. Additionally, we
controlled expenses by implementing a paperless system,
consolidated duties in some positions and implemented our
e-sign disclosure procedure.
Our department is committed to serving our local communities
by offering home ownership counseling and participating in
local lending programs. During the summer, representatives
of the mortgage department conducted an eight-hour home
ownership class in partnership with the Housing Authority of the
City of Texarkana, Texas. As a result of this program, we helped
prospective home buyers achieve the dream of home ownership.
We continue to strive for growth, adding experienced mortgage
originators in the Bryan/College Station market as well as in the
Longview/Hallsville market. In 2014, we also transitioned our
portfolio residential lending products to the mortgage operations
area in Texarkana.
Looking forward, we continue to actively recruit talent not only
within our present market but also surrounding markets. We
will be adding additional mortgage originators in the Dallas/Ft.
Worth market and we will be transitioning to a web-based lending
platform, enabling our mortgage originators to work from any
location with WIFI access.
We look forward to a very successful 2015!
Rhoan Hernandez
President - Mortgage
Guaranty Mortgage Lending Group originated
over $49 million in secondary market loans.
2014 Annual Report page 9
Growing because we help you grow Guaranty Gives Back
Through Guaranty Gives Back
our employees volunteered
over 17,000 hours last year
and donated more than
$250,000 to organizations
in the communities we
serve. We were honored
to receive the Cornerstone
Award given by the Texas
Bankers Association for these
efforts. The Guaranty Gives
Back initiative was started to
encourage our employees
to volunteer their time,
talents, and resources for the
betterment of the community.
Our employees have taken
this concept to heart as is
evident in the positive impact
they have made in all of our
local communities.
Cornerstone Award for Community
Involvement - 2014
By Texas Bankers Association
2014 Annual Report page 10
Best Companies to
Work for in Texas
Guaranty Bank & Trust has
achieved its success over the
years because of the quality
of our people. We work very
hard to attract, retain, and
develop the best bankers.
We were honored to receive
the Best Companies to Work
for in Texas, as listed in
Texas Monthly magazine,
for the sixth straight year
for these efforts. We
believe that creating a
positive work environment
for our employees and an
ownership mentality will
translate into better service
to our customers and better
returns for our shareholders.
And with the team we have
assembled, we are very
excited about our future.
10th Anniversary
Best Companies
to Work for in
Texas
2015
By Texas Monthly
2014 Annual Report page 11
Guaranty Bank & Trust
Board of Directors
(L to R from the back:) Barney Bray, Investments; Jim Bunch, President and CEO BWI, Inc.; Art Scharlach, Retired Banker; Robin Sharp, Executive
Vice President; Ricky Baker, President and CEO Big Tex Trailer Manufacturing, Inc.: Randy Kucera, Executive Vice President and General Counsel;
Danny Muskrat, Executive Vice President & CTO; Bill Priefert, Chairman and CEO Priefert Manufacturing; Tim Kelty, Broker-Owner Century 21
Hometown Real Estate; Chris Elliott, President Elliott Auto Group; Joe Buford, Buford-Redfearn Insurance; Carl Smith, Heritage Constructors, Inc.;
Brian Lee, County Judge and Investments; Johnny Conroy, Investments; Gene Watson, Investments; Carl Johnson, Jr., Baker and Johnson, CPA.;
Brad Drake, President Lamar Fabrication; Martin Bell, Executive Vice President; Kirk Lee, Vice Chairman of the Board & CCO; Ty Abston, Chairman
of the Board and CEO; Cappy Payne, Senior Executive Vice President and CFO; Hal Lower, Executive Vice President; Weldon Miller, President
Everybody's Furniture Company
Founded in 1913 Guaranty Bank & Trust is one of
the oldest and most respected banks in Texas. It
has built its strong reputation based on financial
stability and community leadership.
2014 Annual Report page 12
Guaranty Banchares, Inc.
Board of Directors
(L to R from the back:) Carl Johnson, Jr., Chris Elliott, Brad Drake, Jim Bunch, Johnny Conroy, Gene Watson, Weldon Miller, Bill Priefert, Art
Scharlach, Hal Lower, Kirk Lee, Ty Abston & Cappy Payne
Guaranty Bancshares, Inc.
Dividend Calendar
Dividends on Guaranty Bancshares,
Inc. common stock are payable, if paid,
semiannually in June and December.
Annual Meeting
The annual meeting of Guaranty
Bancshares, Inc. will be held on
Wednesday, April 15, 2015.
Corporate Headquarters
Guaranty Bancshares, Inc.
100 W. Arkansas
Mt. Pleasant, TX 75455
2014 Annual Report page 13
Investor Information 20
bank locations
14Texas communities
41ATM locations
2014 Annual Report page 14
Performance Graph
The following Performance Graph compares the cumulative total shareholder return on the Company’s
common stock for the five-year period from December 31, 2009 to December 31, 2014, with the cumulative
total return of the S & P 500 (“S & P”) and the SNL Southwest Bank Index (“SNL”) for the same period.
Dividend reinvestment has been assumed. The Performance Graph assumes $100 invested on December
31, 2009 in the Company’s common stock, the S & P and the SNL. The historical stock price performance
for the Company’s common stock shown on the graph below is not necessarily indicative of future stock
performance. The complete financial statements, including the independent auditors' opinion and required
notes to the financial statements, can be obtained anytime by emailing a request to irelations@gnty.com.
Composite of Cumulative Total Return
Guaranty Bancshares, Inc.,
S & P and the SNL Southwest Bank Index.
Period Ending
Index
12/31/09
12/31/10
12/31/11
12/31/12
12/31/13
12/31/14
Guaranty Bancshares, Inc.
S&P 500
SNL Southwest Bank
100.00
100.00
100.00
116.10
115.06
129.89
136.21
117.49
109.35
150.00
136.30
127.92
157.02
180.44
186.46
186.46
205.14
179.09
2014 Annual Report page 15
Growing because we help you grow0 25 50 75 100 125 150 175 200 225 250 12/31/09 12/31/10 12/31/11 12/31/12 12/31/13 12/31/14 Index Value Total Return Performance Guaranty Bancshares, Inc. S&P 500 SNL Southwest Bank CHAIRMAN of the
BOARD & CEO
Ty Abston
VICE CHAIRMAN of the
BOARD & CCO
Kirk Lee
SENIOR EXECUTIVE
VICE PRESIDENT & CFO
Cappy Payne
EXECUTIVE VICE
PRESIDENTS
Martin Bell
Hal Lower
Danny Muskrat
Robin Sharp
EXECUTIVE VICE
PRESIDENT & GENERAL
COUNSEL
Randy Kucera
DALLAS MARKET
CHAIRMAN
Chuck Cowell
LOCATION PRESIDENTS
Trent Abbott
Kenny Dority
Kenny Hamilton
Ryan Hamilton
Robert Irwin
Joel Jackson
Rachel Miner
Craig Roberts
SENIOR VICE
PRESIDENTS
Steve Bledsoe
Buffy Dyess
Marcana Ellithorp
Gene B. Erwin, Jr.
Dan Herrington
Andrew Hoeniges
Lacy McMillen
Melissa Merchant
Sara Neal
Jeff Nutt
Joe Rose
Scott Shirk
Brad Thomas
Mick Trusty
MORTGAGE PRESIDENT
Rhoan Hernandez
VICE PRESIDENT &
LOCATION MANAGERS
Mandy Freeman
Dureen Fuller
Zarinska Morton
VICE PRESIDENTS
Bill Anderson
Gail Blair
Alisa Boatner
Chase Coleman
Sondra Cunningham
Susy Guest
Jeff Harris
Theta Hicks
Jennifer Jefferies
Matt Johnson
Veronica Mitchell
Kim Shumate
Deann Sowels
Michelle Spigener
Tommy VanDeaver
Justin White
Wade White
Brenda Wright
2014 Annual Report page 16
2014 Annual Report page 17
Growing because we help you grow