The Randolph National Bank in Randolph, Vermont (VT)



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The Randolph National Bank routing number info

Table of contents:
The Randolph National Bank
GeneralFDIC 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
WWW: http://www.rnbvt.com
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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)63
Total assets$171,487
Cash and due from depository institutions$19,236
Interest-bearing balances$11,893
Securities$10,920
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$134,071
Loan loss allowance $1,632
Trading account assets$0
Bank premises and fixed assets$2,358
Other real estate owned$994
Goodwill and other intangibles$1,134
All other assets$2,774
Life insurance assets$171,487
Total liabilities and capital$157,204
Total liabilities$151,582
Total deposits$141,629
Interest-bearing deposits$151,582
Deposits held in domestic offices$97
% insured (estimated)3919.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $1,703
All other liabilities $14,283
Total equity capital$14,283
Total bank equity capital$14,283
Perpetual preferred stock$0
Common stock$337
Surplus$1,000
Undivided profits $12,946
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $2,440
Earning assets $254
Long-term assets (5+ years) $547
Average Assets, year-to-date $156,884
Average Assets, quarterly $30,917
Volatile liabilities $165,298
Insider loans $172,132
FHLB advances $103,864
Loans and leases held for sale $169,797
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $13,217
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $14,625
Derivatives$3,430
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,935
Total interest expense $1,028
Net interest income $6,907
Provision for loan and lease losses $90
Total noninterest income $759
Fiduciary activities $0
Service charges on deposit accounts $234
Trading account gains & fees $0
Additional noninterest income $525
Total noninterest expense $6,893
Salaries and employee benefits $3,486
Premises and equipment expense $906
Additional noninterest expense $2,501
Pre-tax net operating income $683
Securities gains (losses) $0
Applicable income taxes $152
Income before extraordinary items $531
Extraordinary gains - net $0
Net income attributable to bank $531
Net charge-offs $0
Cash dividends $531
Sale, conversion, retirement of capital stock, net $48
Net operating income $251
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.10%
Cost of funding earning assets 0.66%
Net interest margin 4.44%
Noninterest income to earning assets 0.49%
Noninterest expense to earning assets 4.43%
Net operating income to assets 0.32%
Return on assets (ROA) 0.32%
Pretax return on assets 0.41%
Return on equity (ROE) 3.77%
Retained earnings to average equity (YTD only) 1.99%
Net charge-offs to loans 0.04%
Credit loss provision to net charge-offs 187.50%
Efficiency ratio16.10%
Assets per employee$88,442
Cash dividends to net income (YTD only)2.72%
Condition Ratios (%)
Loss allowance to loans 47.27%
Loss allowance to noncurrent loans 1.20%
Noncurrent assets plus other real estate owned to assets 66.89%
Noncurrent loans to loans 2.00%
Net loans and leases to deposits1.80%
Net loans and leases to core deposits 88.45%
Equity capital to assets 90.69%
Core capital (leverage) ratio 8.33%
Tier 1 risk-based capital ratio 7.78%
Total risk-based capital ratio 12.73%
Memoranda
Average assets$14
Average earning assets$165,298
Average equity $14,068
Average loans $155,492
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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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