The Randolph National Bank in Randolph, Vermont (VT)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Randolph National Bank - Overview

  • General
  • FDIC Certificate #: 6281
    Status: Active
    Federal Reserve ID: 521608
    Bank Holding Company (Regulatory Top Holder): Central Financial Corporation (RSSDID: 1138580, Location: Randolph, VT)
    Date Established: June 07, 1875
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 9 (Domestic: 9, Interstate: No)
    OTS Docket #: 12754
    FDIC's unique #: 4243
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 02, 2010
    Last Structure Change Process Date: June 02, 2010
    Last Data Update: June 02, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 21 Main Street, Randolph, VT 5060
    County: Orange
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Springfield Ma
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Combined Statistical Area (CSA): Claremont-Lebanon, NH-VT (#180)
    Core Based Statistical Area (CBSA): Lebanon, NH-VT (#30100)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $171.5 mil
    Equity capital: $14.3 mil
    Deposits held in domestic offices: $151.6 mil
    Return on assets (ROA): 0.32% ($0.5 mil)
    Quarterly return on assets: 0.34% ($0.6 mil)
    Return on Equity (ROE): 3.77% ($0.5 mil)
    Quarterly return on equity: 4.15% ($0.6 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.41% ($703.1 mil)
    Quarterly Pretax return on assets: 0.50% ($857.4 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
  • 63Total employees (full-time equivalent)
  • $171,487Total assets
  • $19,236Cash and due from depository institutions
  • $11,893Interest-bearing balances
  • $10,920Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $134,071Net loans & leases
  • $1,632Loan loss allowance
  • $0Trading account assets
  • $2,358Bank premises and fixed assets
  • $994Other real estate owned
  • $1,134Goodwill and other intangibles
  • $171,487Life insurance assets
  • $2,774All other assets
  • $157,204Total liabilities and capital
  • $151,582Total liabilities
  • $141,629Total deposits
  • $151,582Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 3919.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,703Subordinated debt
  • $14,283All other liabilities
  • $14,283Total equity capital
  • $14,283Total bank equity capital
  • $0Perpetual preferred stock
  • $337Common stock
  • $1,000Surplus
  • $12,946Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,440Income earned, not collected on loans
  • $254Earning assets
  • $547Long-term assets (5+ years)
  • $156,884Average Assets, year-to-date
  • $30,917Average Assets, quarterly
  • $165,298Volatile liabilities
  • $172,132Insider loans
  • $103,864FHLB advances
  • $169,797Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,217Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,625Restructured Loans and leases
  • $3,430Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,935Total interest income
  • $1,028Total interest expense
  • $6,907Net interest income
  • $90Provision for loan and lease losses
  • $759Total noninterest income
  • $0Fiduciary activities
  • $234Service charges on deposit accounts
  • $0Trading account gains & fees
  • $525Additional noninterest income
  • $6,893Total noninterest expense
  • $3,486Salaries and employee benefits
  • $906Premises and equipment expense
  • $2,501Additional noninterest expense
  • $683Pre-tax net operating income
  • $0Securities gains (losses)
  • $152Applicable income taxes
  • $531Income before extraordinary items
  • $0Extraordinary gains - net
  • $531Net income attributable to bank
  • $0Net charge-offs
  • $531Cash dividends
  • $48Sale, conversion, retirement of capital stock, net
  • $251Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.10%Yield on earning assets
  • 0.66%Cost of funding earning assets
  • 4.44%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 4.43%Noninterest expense to earning assets
  • 0.32%Net operating income to assets
  • 0.32%Return on assets (ROA)
  • 0.41%Pretax return on assets
  • 3.77%Return on equity (ROE)
  • 1.99%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 187.50%Credit loss provision to net charge-offs
  • 16.10%Efficiency ratio
  • 88,442Assets per employee
  • 2.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 47.27%Loss allowance to loans
  • 1.20%Loss allowance to noncurrent loans
  • 66.89%Noncurrent assets plus other real estate owned to assets
  • 2.00%Noncurrent loans to loans
  • 1.80%Net loans and leases to deposits
  • 88.45%Net loans and leases to core deposits
  • 90.69%Equity capital to assets
  • 8.33%Core capital (leverage) ratio
  • 7.78%Tier 1 risk-based capital ratio
  • 12.73%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $165,298Average earning assets
  • $14,068Average equity
  • $155,492Average loans

List of branches

  • 9 Vermont Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04243The Randolph National Bank21 Main Street, Randolph, VT 5060June 07, 1875Full Service Brick and Mortar
    1209247Rochester BranchMain Street, Rochester, VT 5767Febuary 01, 1964Full Service Brick and Mortar
    2209248South Royalton Branch101 Chelsea Street, South Royalton, VT 5068Febuary 01, 1964Full Service Brick and Mortar
    4209250The Bethel BranchRoute 107 And Interstate 89, South Royalton, VT 5068Febuary 05, 1973Full Service Brick and Mortar
    6209252Justin Morgan Branch189 Vermont Route 12 South, Randolph, VT 5060December 15, 1974Limited Service Facility
    7209253Royalton Route 107 BranchRoute 107 And Interstate 89, Royalton, VT 5068March 03, 1997Full Service Brick and Mortar
    8431431Williamstown Branch20 Methodist Lane, Williamstown, VT 5679April 12, 2004Full Service Brick and Mortar
    9453594Quechee Branch6931 Us Route 4, Quechee, VT 5059June 26, 2006Full Service Brick and Mortar
    1142473Randolph Branch34 Pleasant Street, Randolph, VT 5060January 01, 1920Full Service Retail

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