Randall State Bank in Randall, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches


Randall State Bank - Overview

  • General
  • FDIC Certificate #: 10969
    Status: Active
    Federal Reserve ID: 172251
    Bank Holding Company (Regulatory Top Holder): Randall Bancorp, Inc. (RSSDID: 2359869, Location: Pine River, MN)
    Date Established: April 08, 1908
    WWW: http://www.randallstatebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 13250
    FDIC's unique #: 7023
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: November 28, 2006
    Last Structure Change Process Date: January 30, 2007
    Last Data Update: January 30, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 307 Pacific Avenue, Randall, MN 56475
    County: Morrison
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Minneapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $34.1 mil
    Equity capital: $5.0 mil
    Deposits held in domestic offices: $29.1 mil
    Return on assets (ROA): 1.51% ($0.5 mil)
    Quarterly return on assets: 1.40% ($0.5 mil)
    Return on Equity (ROE): 10.94% ($0.5 mil)
    Quarterly return on equity: 9.71% ($0.5 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.51% ($515.4 mil)
    Quarterly Pretax return on assets: 1.40% ($477.9 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 9Total employees (full-time equivalent)
  • $34,135Total assets
  • $4,506Cash and due from depository institutions
  • $3,924Interest-bearing balances
  • $7,286Securities
  • $1,549Federal funds sold & reverse repurchase agreements
  • $19,821Net loans & leases
  • $452Loan loss allowance
  • $0Trading account assets
  • $220Bank premises and fixed assets
  • $231Other real estate owned
  • $0Goodwill and other intangibles
  • $34,135Life insurance assets
  • $522All other assets
  • $29,179Total liabilities and capital
  • $29,081Total liabilities
  • $24,162Total deposits
  • $29,081Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $70Trading liabilities
  • $0Other borrowed funds
  • $28Subordinated debt
  • $4,956All other liabilities
  • $4,956Total equity capital
  • $4,956Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $1,900Surplus
  • $2,956Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $768Income earned, not collected on loans
  • $0Earning assets
  • $166Long-term assets (5+ years)
  • $32,580Average Assets, year-to-date
  • $1,980Average Assets, quarterly
  • $34,406Volatile liabilities
  • $34,002Insider loans
  • $19,972FHLB advances
  • $33,858Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,752Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $574Restructured Loans and leases
  • $146Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,641Total interest income
  • $292Total interest expense
  • $1,349Net interest income
  • $120Provision for loan and lease losses
  • $82Total noninterest income
  • $0Fiduciary activities
  • $60Service charges on deposit accounts
  • $0Trading account gains & fees
  • $22Additional noninterest income
  • $791Total noninterest expense
  • $401Salaries and employee benefits
  • $118Premises and equipment expense
  • $272Additional noninterest expense
  • $520Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $520Income before extraordinary items
  • $0Extraordinary gains - net
  • $520Net income attributable to bank
  • $0Net charge-offs
  • $520Cash dividends
  • $141Sale, conversion, retirement of capital stock, net
  • $416Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.03%Yield on earning assets
  • 0.90%Cost of funding earning assets
  • 4.14%Net interest margin
  • 0.25%Noninterest income to earning assets
  • 2.42%Noninterest expense to earning assets
  • 1.51%Net operating income to assets
  • 1.51%Return on assets (ROA)
  • 1.51%Pretax return on assets
  • 10.94%Return on equity (ROE)
  • 2.19%Retained earnings to average equity (YTD only)
  • 0.67%Net charge-offs to loans
  • 85.11%Credit loss provision to net charge-offs
  • 4.54%Efficiency ratio
  • 55,276Assets per employee
  • 3.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 80.00%Loss allowance to loans
  • 2.23%Loss allowance to noncurrent loans
  • 58.85%Noncurrent assets plus other real estate owned to assets
  • 2.93%Noncurrent loans to loans
  • 3.79%Net loans and leases to deposits
  • 68.16%Net loans and leases to core deposits
  • 69.80%Equity capital to assets
  • 14.52%Core capital (leverage) ratio
  • 14.04%Tier 1 risk-based capital ratio
  • 23.79%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $34,406Average earning assets
  • $4,753Average equity
  • $32,620Average loans

List of branches

  • 1 Minnesota Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07023Randall State Bank307 Pacific Avenue, Randall, MN 56475April 08, 1908Full Service Brick and Mortar

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