Randolph bancorp, inc. (RNDB)
Balance Sheet / Quarterly
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15
Assets
Cash and due from banks

4,589

4,371

6,525

3,614

3,774

3,451

3,262

4,112

4,216

3,562

3,741

4,073

4,516

4,370

4,917

3,592

2,835

2,721

Interest-bearing deposits

16,656

3,881

2,701

7,561

2,494

3,667

2,658

4,950

4,748

5,260

4,414

4,770

3,900

10,479

22,076

69,262

2,480

1,925

Total cash and cash equivalents

21,245

8,252

9,226

11,175

6,268

7,118

5,920

9,062

8,964

8,822

8,155

8,843

8,416

14,849

26,993

72,854

5,315

4,646

Certificates of deposit

490

490

490

2,205

2,205

2,205

2,695

2,695

2,695

2,940

2,940

3,185

3,185

3,675

3,675

4,675

4,675

4,675

Securities available for sale, at fair value

55,465

57,503

47,187

48,851

50,189

50,556

54,405

56,554

59,621

61,576

65,141

67,144

67,441

68,637

70,877

55,253

60,735

62,267

Loans held for sale, at fair value

58,781

62,792

94,372

102,784

41,858

38,474

24,120

36,661

22,090

25,390

26,541

32,036

19,923

30,452

29,092

4,822

4,536

2,870

Loans, net of allowance for loan losses of $4,996 in 2020 and $4,280 in 2019

476,226

469,131

457,218

451,870

481,173

483,846

468,938

427,703

407,309

400,373

372,777

364,993

352,962

332,991

327,519

295,599

292,693

285,151

Federal Home Loan Bank of Boston stock, at cost

2,873

2,417

2,985

5,375

3,650

4,700

3,471

3,155

2,604

3,310

2,909

2,588

2,201

2,478

2,368

1,943

2,301

2,728

Accrued interest receivable

1,397

1,393

1,410

1,665

1,526

1,504

1,521

1,435

1,335

1,432

1,307

1,240

1,144

1,163

1,067

1,036

1,006

1,065

Mortgage servicing rights, net

-

-

-

-

-

-

7,316

6,845

6,599

-

6,039

-

8,878

-

-

-

-

-

Mortgage servicing rights, net

7,488

8,556

8,459

8,201

8,140

7,786

-

-

-

6,397

-

8,992

-

8,486

9,351

2,768

2,653

2,567

Premises and equipment, net

5,667

5,748

5,911

6,162

6,307

6,368

6,521

9,521

9,256

8,670

7,755

7,051

6,519

6,280

6,309

3,155

3,258

2,905

Bank-owned life insurance

8,486

8,441

8,395

8,349

8,301

8,256

8,186

8,113

8,075

8,037

7,999

7,961

7,922

7,884

7,852

7,935

9,676

9,620

Foreclosed real estate

132

-

-

90

76

65

82

193

193

193

-

-

-

-

353

350

500

500

Other assets

14,636

6,281

5,785

5,842

4,655

3,462

6,507

3,972

4,795

4,752

3,949

3,906

3,903

4,329

4,101

5,817

2,869

4,169

Total assets

652,886

631,004

641,438

652,569

614,348

614,340

589,682

565,909

533,536

531,892

505,512

507,939

482,494

481,224

489,557

456,207

390,217

383,163

Liabilities and Stockholders' Equity
Deposits:
Non-interest bearing

65,017

61,603

65,250

65,420

67,284

64,229

66,810

64,151

60,378

62,130

59,954

69,834

64,414

59,646

55,129

49,616

39,609

43,478

Interest bearing

354,051

344,581

329,319

313,584

316,182

312,321

360,363

358,748

335,214

297,690

298,947

298,754

297,683

291,533

300,913

274,526

281,176

265,717

Brokered

85,951

90,858

96,261

-

-

60,580

-

-

-

-

-

-

-

-

-

-

-

-

Brokered

-

-

-

62,649

60,355

-

-

-

-

7,016

-

-

-

-

-

-

-

-

Stock subscriptions

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

67,442

-

-

Total deposits

505,019

497,042

490,830

441,653

443,821

437,130

427,173

422,899

395,592

366,836

358,901

368,588

362,097

351,179

356,042

391,584

320,785

309,195

Federal Home Loan Bank of Boston advances

52,013

44,403

57,668

121,553

83,642

89,036

77,411

56,680

50,920

75,954

56,935

48,464

30,487

38,667

36,802

24,068

29,444

34,914

Mortgagors' escrow accounts

2,074

2,052

2,199

1,863

1,992

2,129

1,810

1,559

1,676

907

1,311

1,690

1,704

1,572

2,053

1,311

1,450

1,445

Post-employment benefit obligations

2,329

2,464

2,385

2,424

2,416

2,551

2,588

2,622

2,634

2,750

2,723

2,754

2,751

2,886

2,854

2,883

3,165

3,294

Other liabilities

12,495

6,581

8,765

5,723

4,082

5,533

2,570

3,776

2,843

3,962

2,402

3,104

2,493

3,618

5,954

2,190

2,151

1,856

Total liabilities

573,930

552,542

561,847

573,216

535,953

536,379

511,552

487,536

453,665

450,409

422,272

424,600

399,532

397,922

403,705

422,036

356,995

350,704

Commitments and contingencies (Note 15)

-

-

-

-

-

-

0

0

0

-

0

0

0

0

-

-

0

0

Stockholders' Equity:
Preferred stock, no par value; authorized: 1,000,000 shares; issued: none

-

-

-

-

-

-

0

0

0

-

0

0

0

0

0

-

-

0

Common stock, $.01 par value; authorized: 15,000,000 shares; issued and outstanding: 5,466,344 shares at March 31, 2020 and 5,576,855 shares at December 31, 2019

55

56

57

58

59

60

60

60

61

61

59

59

59

59

59

-

-

-

Additional paid-in capital

50,832

51,127

52,884

54,083

55,419

55,608

56,549

56,307

56,657

56,493

56,443

56,421

56,398

56,373

56,288

-

-

-

Retained earnings

30,939

31,757

30,928

29,784

28,278

28,329

28,556

28,698

29,708

30,415

32,113

32,064

32,214

32,661

33,207

32,917

32,200

32,198

ESOP-Unearned compensation

3,897

3,944

3,991

4,038

4,085

4,132

4,179

4,225

4,272

4,319

4,366

4,413

4,460

4,507

4,601

-

-

-

Accumulated other comprehensive income (loss), net of tax

1,027

-534

-287

-534

-1,276

-1,904

-2,856

-2,467

-2,283

-1,167

-1,009

-792

-1,249

-1,284

899

1,254

1,022

261

Total stockholders' equity

78,956

78,462

79,591

79,353

78,395

77,961

78,130

78,373

79,871

81,483

83,240

83,339

82,962

83,302

85,852

34,171

33,222

32,459

Total liabilities and stockholders' equity

652,886

631,004

641,438

652,569

614,348

614,340

589,682

565,909

533,536

531,892

505,512

507,939

482,494

481,224

489,557

456,207

390,217

383,163