The Randolph National Bank in city_name, state_name - Detailed Financial Reports, Location

The Randolph National Bank in Randolph, Vermont (VT)
Show street view No street view available for this location

The Randolph National Bank routing number info

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
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
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

No	ID	Name	Address	Established	Service Type
0	4243	The Randolph National Bank	21 Main Street, Randolph, VT 5060	June 07, 1875	Full Service Brick and Mortar
1	209247	Rochester Branch	Main Street, Rochester, VT 5767	Febuary 01, 1964	Full Service Brick and Mortar
2	209248	South Royalton Branch	101 Chelsea Street, South Royalton, VT 5068	Febuary 01, 1964	Full Service Brick and Mortar
4	209250	The Bethel Branch	Route 107 And Interstate 89, South Royalton, VT 5068	Febuary 05, 1973	Full Service Brick and Mortar
6	209252	Justin Morgan Branch	189 Vermont Route 12 South, Randolph, VT 5060	December 15, 1974	Limited Service Facility
7	209253	Royalton Route 107 Branch	Route 107 And Interstate 89, Royalton, VT 5068	March 03, 1997	Full Service Brick and Mortar
8	431431	Williamstown Branch	20 Methodist Lane, Williamstown, VT 5679	April 12, 2004	Full Service Brick and Mortar
9	453594	Quechee Branch	6931 Us Route 4, Quechee, VT 5059	June 26, 2006	Full Service Brick and Mortar
11	42473	Randolph Branch	34 Pleasant Street, Randolph, VT 5060	January 01, 1920	Full Service Retail

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

The Randolph National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

The Randolph National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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