Vitals
  • Total Assets
    73.1M 3.3 %
  • Total Deposits
    65.4M 3.8 %
  • Total Net Loans
    45.8M 13.8 %
  • Net Income
    832000.0000 0.7 %
  • Book Value
    7.1M 1.9 %
  • Book Value x2
    14.2M 1.9 %
  • Book Value x3
    21.3M 1.9 %
ROAA

1.593

ROAE

16.057

Efficiency Ratio

47.025

Net Interest Margin

4.655

Balance Sheet Highlights
Financial Highlights Rural American Bank-Montgomery/Lonsdale All Insured Commercial Banks in Minnesota
Balance Sheet $(000)
Total Assets 73,075 80,671
Total Net Loans 45,787 56,472
Total Deposits 65,360 67,132
Total Equity 7,099 8,032
Profitability
Net Income 832 1,187
Return on Average Assets 1.593 1.524
Return on Average Equity 16.057 15.522
Net Interest Margin 4.655 4.456
Efficiency Ratio 47.025 61.98
Noninterest Income/Revenue 13.631 12.032
Balance Sheet Ratios
Loan-to-Deposit 70.054 81.775
Securities/Assets .259 .294
Total Equity/Total Assets .097 .1
Tangible Equity/Tangible Assets .079 -.019
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 5,619 7,609
Tier 2 Capital 466 671
Total Capital 6,085 8,278
Total Risk Weighted Assets 52,623 61,074
Leverage Ratio 8.19 9.737
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 10.68 13.271
Total Capital Ratio 11.56 14.371

Timeline for Rural American Bank-Montgomery/Lonsdale

Frandsen Bank & Trust

Rural American Bank-Montgomery/Lonsdale was acquired by Frandsen Bank & Trust 19 years

View Profile Nov 01 2004

Citizens State Bank Of Montgomery

Acquisition: Rural American Bank-Montgomery/Lonsdale acquired a new subsidiary, Citizens State Bank Of Montgomery, 25 years

View Profile Jan 01 1999

Frandsen Financial Corporation

Frandsen Financial Corporation became a new parent organization for Rural American Bank-Montgomery/Lonsdale.

View Profile Jan 02 1997

Rural American Bank-Montgomery/Lonsdale

Rural American Bank-Montgomery/Lonsdale was established 116 years ago and is currently headquartered in Lonsdale, MN.

Jan 08 1908
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Frandsen Bank & Trust Buyer 1,586,077 Pooling of Interests Discontinued 11/1/2004
Citizens State Bank Of Montgomery Seller 37,526 Pooling of Interests Discontinued 1/1/1999
Relationships Role Relationship Start Relationship End
Frandsen Financial Corporation Parent 1/2/1997 10/31/2004
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