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
No
ID
Name
Address
Established
Service Type
Map
0
7023
Randall State Bank
307 Pacific Avenue, Randall, MN 56475
April 08, 1908
Full Service Brick and Mortar
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