Vitals
  • Total Assets
    282.1M 6.2 %
  • Total Deposits
    241.4M 7.2 %
  • Total Net Loans
    192.4M -4.5 %
  • Net Income
    3.1M -28.4 %
  • Book Value
    31.0M 2.8 %
  • Book Value x2
    62.0M 2.8 %
  • Book Value x3
    93.0M 2.8 %
ROAA

1.434

ROAE

13.334

Efficiency Ratio

64.193

Net Interest Margin

4.176

Balance Sheet Highlights
Financial Highlights Community Bank Of The Red River Valley All Insured Commercial Banks in Minnesota
Balance Sheet $(000)
Total Assets 282,114 110,372
Total Net Loans 192,422 77,159
Total Deposits 241,418 90,714
Total Equity 31,016 11,303
Profitability
Net Income 3,062 997
Return on Average Assets 1.434 1.005
Return on Average Equity 13.334 9.544
Net Interest Margin 4.176 3.991
Efficiency Ratio 64.193 73.299
Noninterest Income/Revenue 16.77 12.434
Balance Sheet Ratios
Loan-to-Deposit 79.705 81.782
Securities/Assets .167 .255
Total Equity/Total Assets .11 .102
Tangible Equity/Tangible Assets .078 .048
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 21,603 10,556
Tier 2 Capital 2,668 1,008
Total Capital 24,271 11,576
Total Risk Weighted Assets 213,305 84,942
Leverage Ratio 7.88 9.752
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 10.13 13.344
Total Capital Ratio 11.38 14.485

Timeline for Community Bank Of The Red River Valley

Frandsen Bank & Trust

Community Bank Of The Red River Valley was acquired by Frandsen Bank & Trust 14 years

View Profile Oct 17 2009

Rural American Bank - Ada

Acquisition: Community Bank Of The Red River Valley acquired a new subsidiary, Rural American Bank - Ada, 18 years

View Profile Jul 01 2005

Community National Bank Of Grand Forks

Acquisition: Community Bank Of The Red River Valley acquired a new subsidiary, Community National Bank Of Grand Forks, 20 years

View Profile Aug 29 2003

Valley State Bank Of Oslo

Acquisition: Community Bank Of The Red River Valley acquired a new subsidiary, Valley State Bank Of Oslo, 22 years

View Profile Jul 01 2001

Peoples State Bank Of Warren

Acquisition: Community Bank Of The Red River Valley acquired a new subsidiary, Peoples State Bank Of Warren, 27 years

View Profile Jul 01 1996

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Complete timeline for Community Bank Of The Red River Valley is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Frandsen Bank & Trust Buyer 1,586,077 Pooling of Interests Discontinued 10/17/2009
Rural American Bank - Ada Seller 35,066 Pooling of Interests Discontinued 7/1/2005
Community National Bank Of Grand Forks Seller 120,913 Pooling of Interests Discontinued 8/29/2003
Valley State Bank Of Oslo Seller 15,209 Pooling of Interests Discontinued 7/1/2001
Peoples State Bank Of Warren Seller 33,565 Pooling of Interests Discontinued 7/1/1996
Relationships Role Relationship Start Relationship End
Frandsen Financial Corporation Parent 1/8/1993 10/16/2009
Rural American Financial Services Of East Grand Forks, Inc. Subsidary 1/29/1993 6/6/1997
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