Vitals
  • Total Assets
    109.0M 4.6 %
  • Total Deposits
    93.0M 5.0 %
  • Total Net Loans
    58.1M -10.9 %
  • Net Income
    1.3M -5.9 %
  • Book Value
    13.8M -1.6 %
  • Book Value x2
    27.5M -1.6 %
  • Book Value x3
    41.3M -1.6 %
ROAA

1.183

ROAE

9.36

Efficiency Ratio

64.918

Net Interest Margin

4.026

Balance Sheet Highlights
Financial Highlights Rural American Bank - Braham All Insured Commercial Banks in Minnesota
Balance Sheet $(000)
Total Assets 108,994 111,636
Total Net Loans 58,126 73,233
Total Deposits 93,005 94,862
Total Equity 13,770 10,797
Profitability
Net Income 1,271 444
Return on Average Assets 1.183 .459
Return on Average Equity 9.36 3.88
Net Interest Margin 4.026 4.083
Efficiency Ratio 64.918 74.588
Noninterest Income/Revenue 12.253 9.112
Balance Sheet Ratios
Loan-to-Deposit 62.498 74.044
Securities/Assets .376 .161
Total Equity/Total Assets .126 .097
Tangible Equity/Tangible Assets .093 .095
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 10,092 10,282
Tier 2 Capital 801 958
Total Capital 10,893 11,259
Total Risk Weighted Assets 63,530 80,697
Leverage Ratio 9.27 9.486
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 15.89 13.891
Total Capital Ratio 17.15 15.044

Timeline for Rural American Bank - Braham

Frandsen Bank & Trust

Rural American Bank - Braham was acquired by Frandsen Bank & Trust 13 years

View Profile Mar 19 2011

The First National Bank Of Pine City

Acquisition: Rural American Bank - Braham acquired a new subsidiary, The First National Bank Of Pine City, 16 years

View Profile Nov 03 2007

Rural American Financial Services Of Braham, Inc.

Rural American Financial Services Of Braham, Inc. became a new subsidiary organization for Rural American Bank - Braham.

View Profile Jan 29 1993

Frandsen Financial Corporation

Frandsen Financial Corporation became a new parent organization for Rural American Bank - Braham.

View Profile Nov 15 1988

Rural American Bank - Braham

Rural American Bank - Braham was established 124 years ago and is currently headquartered in Braham, MN.

Aug 29 1899
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Frandsen Bank & Trust Buyer 1,586,077 Pooling of Interests Discontinued 3/19/2011
The First National Bank Of Pine City Seller 55,287 Pooling of Interests Discontinued 11/3/2007
Relationships Role Relationship Start Relationship End
Frandsen Financial Corporation Parent 11/15/1988 3/18/2011
Rural American Financial Services Of Braham, Inc. Subsidary 1/29/1993 12/31/1997
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