Randolph Savings Bank in Randolph, Massachusetts (MA), RI
Overview, Financial Summary, Detailed Financial Reports, Branches


Randolph Savings Bank - Overview

  • General
  • FDIC Certificate #: 90270
    Status: Active
    Federal Reserve ID: 332402
    Bank Holding Company (Regulatory Top Holder): Randolph Bancorp (RSSDID: 3122846, Location: Stoughton, MA)
    Date Established: January 01, 1851
    WWW: http://www.randolphsavings.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: Yes)
    OTS Docket #: 13264
    FDIC's unique #: 17860
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: January 02, 1986
    Last Structure Change Effective Date: Febuary 02, 2010
    Last Structure Change Process Date: Febuary 02, 2010
    Last Data Update: Febuary 02, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 129 North Main Street, Randolph, MA 2368
    County: Norfolk
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: South Boston
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Boston, MA-NH (#1120)
    Consolidated Metropolitan Statistical Area (CMSA): Boston-Worcester-Lawrence, MA-NH-ME-CT (#7)
    Combined Statistical Area (CSA): Boston-Worcester-Manchester, MA-RI-NH (#148)
    Core Based Statistical Area (CBSA): Boston-Cambridge-Quincy, MA-NH (#14460)
    CBSA Metro Statistical Area: Boston-Cambridge-Quincy, MA-NH (#14460)
    Core Based Statistical Division: Boston-Quincy, MA (#14484)
  • Financial Summary
  • Total assets: $383.0 mil
    Equity capital: $37.4 mil
    Deposits held in domestic offices: $324.9 mil
    Return on assets (ROA): 0.22% ($0.8 mil)
    Quarterly return on assets: 0.17% ($0.7 mil)
    Return on Equity (ROE): 2.34% ($0.9 mil)
    Quarterly return on equity: 1.71% ($0.6 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.23% ($880.8 mil)
    Quarterly Pretax return on assets: 0.15% ($574.5 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
  • 106Total employees (full-time equivalent)
  • $382,969Total assets
  • $18,559Cash and due from depository institutions
  • $7,184Interest-bearing balances
  • $154,292Securities
  • $157Federal funds sold & reverse repurchase agreements
  • $182,412Net loans & leases
  • $3,761Loan loss allowance
  • $0Trading account assets
  • $6,860Bank premises and fixed assets
  • $2,696Other real estate owned
  • $999Goodwill and other intangibles
  • $382,969Life insurance assets
  • $16,994All other assets
  • $345,526Total liabilities and capital
  • $324,905Total liabilities
  • $293,818Total deposits
  • $324,905Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,971Trading liabilities
  • $0Other borrowed funds
  • $6,650Subordinated debt
  • $37,443All other liabilities
  • $37,443Total equity capital
  • $37,443Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $25,661Surplus
  • $11,282Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,877Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,278Income earned, not collected on loans
  • $0Earning assets
  • $1,355Long-term assets (5+ years)
  • $344,045Average Assets, year-to-date
  • $190,709Average Assets, quarterly
  • $380,045Volatile liabilities
  • $382,519Insider loans
  • $201,752FHLB advances
  • $380,312Loans and leases held for sale
  • $9,423Unused loan commitments
  • $9,423Tier 1 (core) risk-based capital
  • $34,646Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $34,857Restructured Loans and leases
  • $1,148Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,077Total interest income
  • $3,033Total interest expense
  • $12,044Net interest income
  • $550Provision for loan and lease losses
  • $3,619Total noninterest income
  • $0Fiduciary activities
  • $1,267Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,352Additional noninterest income
  • $14,279Total noninterest expense
  • $7,538Salaries and employee benefits
  • $1,480Premises and equipment expense
  • $5,261Additional noninterest expense
  • $834Pre-tax net operating income
  • $29Securities gains (losses)
  • $27Applicable income taxes
  • $836Income before extraordinary items
  • $0Extraordinary gains - net
  • $836Net income attributable to bank
  • $0Net charge-offs
  • $836Cash dividends
  • $751Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.39%Yield on earning assets
  • 0.88%Cost of funding earning assets
  • 3.51%Net interest margin
  • 1.05%Noninterest income to earning assets
  • 4.16%Noninterest expense to earning assets
  • 0.21%Net operating income to assets
  • 0.22%Return on assets (ROA)
  • 0.23%Pretax return on assets
  • 2.34%Return on equity (ROE)
  • 2.34%Retained earnings to average equity (YTD only)
  • 0.39%Net charge-offs to loans
  • 73.24%Credit loss provision to net charge-offs
  • 1.84%Efficiency ratio
  • 91,164Assets per employee
  • 3.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.02%Loss allowance to noncurrent loans
  • 87.91%Noncurrent assets plus other real estate owned to assets
  • 1.82%Noncurrent loans to loans
  • 2.30%Net loans and leases to deposits
  • 56.14%Net loans and leases to core deposits
  • 57.89%Equity capital to assets
  • 9.78%Core capital (leverage) ratio
  • 9.11%Tier 1 risk-based capital ratio
  • 17.17%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $380,045Average earning assets
  • $35,698Average equity
  • $343,355Average loans

List of branches

  • 5 Massachusetts Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    017860Randolph Savings Bank129 North Main Street, Randolph, MA 2368January 01, 1851Full Service Brick and Mortar
    1291436Holbrook Branch50 South Franklin Street, Holbrook, MA 2343January 01, 1851Full Service Brick and Mortar
    2291437Stoughton Branch15 Pleasant Street, Stoughton, MA 2072October 24, 1949Full Service Brick and Mortar
    4291439Stoughton Branch87 Sharon Street, Stoughton, MA 2072September 05, 1995Full Service Brick and Mortar
    6360986Randolph Branch1125 North Main Street, Randolph, MA 2368November 06, 2000Full Service Brick and Mortar
  • 2 Rhode Island Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    7433920Coventry Ri Branch730 Centre Of New England Boulevard, Coventry, RI 2816December 29, 2004Full Service Brick and Mortar
    8486610Cranston Branch875 Pontiac Avenue, Cranston, RI 2920Febuary 09, 2009Full Service Brick and Mortar

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