0001564590-20-048005.txt : 20201027 0001564590-20-048005.hdr.sgml : 20201027 20201027163040 ACCESSION NUMBER: 0001564590-20-048005 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20201027 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Other Events ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20201027 DATE AS OF CHANGE: 20201027 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Randolph Bancorp, Inc. CENTRAL INDEX KEY: 0001667161 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 000000000 STATE OF INCORPORATION: MA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-37780 FILM NUMBER: 201264430 BUSINESS ADDRESS: STREET 1: 10 CABOT PL CITY: STOUGHTON STATE: MA ZIP: 02072 BUSINESS PHONE: 877-963-2100 MAIL ADDRESS: STREET 1: 10 CABOT PL CITY: STOUGHTON STATE: MA ZIP: 02072 8-K 1 rndb-8k_20201027.htm 8-K rndb-8k_20201027.htm
false 0001667161 0001667161 2020-10-27 2020-10-27

 

 

 

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

FORM 8-K

 

CURRENT REPORT

Pursuant to Section 13 or 15(d)
of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 27, 2020

 

Randolph Bancorp, Inc.

(Exact name of Registrant as Specified in Its Charter)

 

 

Massachusetts

001-37780

81-1844402

(State or Other Jurisdiction

of Incorporation)

(Commission
File Number)

(IRS Employer

Identification No.)

10 Cabot Place, Stoughton, Massachusetts 02072

(Address of principal executive offices)

(781) 963-2100

(Registrant’s telephone number, including area code)

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

 

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of Each Class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, par value $.01 per share

RNDB

The NASDAQ Stock Market LLC

 

 

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

 

Emerging growth company

 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

 

 

 

 


Item 2.02

Results of Operations and Financial Condition.

On October 27, 2020, Randolph Bancorp, Inc. (the “Company”), the holding company for Envision Bank, issued a press release announcing its financial results for the three and nine months ended September 30, 2020. The Company’s press release is included as Exhibit 99.1 to this report.

The information set forth in this Item 2.02 and in the attached Exhibit 99.1 is deemed to be “furnished” and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that Section.

 

Item 8.01

Other Events.

On October 27, 2020 the board of directors of the Company authorized a new stock repurchase program (“Program”) under which the Company may purchase up to 552,000 shares of its common stock, representing approximately 10.0% of the Company’s outstanding common stock. The Program will be executed in accordance with Rule 10b-18 under the Securities Exchange Act of 1934, as amended (“Exchange Act”), and will terminate of October 29, 2021 (unless terminated sooner).

Repurchases under the Program may be made in open market transactions. The timing and actual number of shares repurchased will depend on a variety of factors including price, corporate and regulatory requirements, market conditions, and other corporate liquidity requirements and priorities. The repurchase program does not obligate the Company to purchase any particular number of shares.

 

Item 9.01

Financial Statements and Exhibits.

(d) Exhibits.

 

 

 

 

Exhibit

  

Description

99.1

  

Press release dated October 27, 2020

104  

 

Cover Page Interactive Data File (embedded within the XBRL document)

 

 

 

 



SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

 

 

 

 

 

 

 

 

 

 

 

 

Randolph Bancorp, Inc.

 

 

 

 

 

 

 

 

By:

 

/s/ William M. Parent

 

 

 

 

Name:

Title:

 

William M. Parent

President and Chief Executive Officer

Date: October 27, 2020

 

 

 

 

 

 

 

EX-99.1 2 rndb-ex991_8.htm EX-99.1 rndb-ex991_8.htm

Exhibit 99.1

10 Cabot Place, Stoughton, MA 02072

News Release

For Immediate Release

October 27, 2020

For More Information, Contact:

William M. Parent, President and Chief Executive Officer (617-925-1955)

 

 

RANDOLPH BANCORP, INC. ANNOUNCES THIRD QUARTER AND YEAR-TO-DATE 2020 FINANCIAL RESULTS, ANNOUNCES SHARE BUYBACK PROGRAM

 

STOUGHTON, Massachusetts, October 27, 2020 – Randolph Bancorp, Inc. (the “Company”) (NASDAQ Global Market: RNDB), the holding company for Envision Bank (the “Bank”), today announced net income of $10.3 million, or $2.01 per basic and diluted share, for the three months ended September 30, 2020 compared to net income of $1.1 million, or $0.21 per basic and diluted share, for the three months ended September 30, 2019. Net income for the nine months ended September 30, 2020 was $14.7 million, or $2.86 per basic and diluted share, compared to net income of $2.6 million, or $0.48 per basic and diluted share, for the nine months ended September 30, 2019. Excluding one-time charges of $1.4 million related to the retirement of senior executives and operating expenses of $229,000 related to addressing the COVID-19 pandemic, earnings were $16.3 million, or $3.17 per share, for the nine months ended September 30, 2020.

 

The Company also announced today that its Board of Directors has approved a share repurchase program to purchase up to 552,000 shares of its common stock, representing approximately 10.0% of the Company’s outstanding common stock.

 

Repurchases under this program may be made in open market transactions. The timing and actual number of shares repurchased will depend on a variety of factors including price, corporate and regulatory requirements, market conditions, and other corporate liquidity requirements and priorities. The repurchase program does not obligate the Company to purchase any particular number of shares. The repurchase program will expire on October 29, 2021, and may be suspended or terminated at any time.

 

At September 30, 2020, total assets amounted to $723.0 million, compared to $724.0 million at June 30, 2020, a decrease of $1.0 million, or 0.1%. An increase in loans held for sale of $26.1 million was offset by a decrease in cash and cash equivalents of $26.9 million relative to the prior quarter.

 

William M. Parent, President and Chief Executive Officer, stated, “The third quarter was another strong quarter in earnings for our Company. We are very pleased with our performance, especially our mortgage banking operations, which maintained high levels of loans closed, loans sold, and net revenue from loan sales and origination activity. We continue to focus on maintaining a strong balance sheet during these unprecedented times, while the announcement of our new buyback program will enable our Company to deploy excess capital in the most effective manner.”

 

Third Quarter Operating Results

Net interest income increased by $96,000, or 2.1%, to $4.7 million for the three months ended September 30, 2020 from $4.6 million the same period in the prior year. This increase was primarily due to an increase in the proportion of non-maturity deposits and a decline in the proportion of term certificates from the same period in the prior year. The average balance of savings accounts at the Company increased $63.0 million, or 58.5%, from September 30, 2019 and the average balance of term certificates decreased $51.0 million, or 28.0%, from September 2019, contributing to an 83 basis point decrease in the cost of interest-bearing liabilities. The net interest margin decreased in the third quarter of 2020 to 2.81%,


from 2.89% in the third quarter of 2019, due to deposit repricing lagging the decreasing interest-earning asset yields in a declining interest rate environment.

 

The Company recognized a provision for loan losses of $546,000 for the quarter ended September 30, 2020. The allowance for loan losses was 1.34% and 0.90% of total loans at September 30, 2020 and December 31, 2019, respectively, and was 67.2% and 131.4% of non-performing assets at September 30, 2020 and December 31, 2019, respectively. Nonperforming assets include $2.8 million of credits which were paid in early October. Excluding these loans with payoffs, the allowance for loan losses would have been 92.3% of non-performing assets at September 30, 2020.

 

Non-interest income increased $13.6 million, or 215.3%, to $19.9 million for the quarter ended September 30, 2020 from $6.3 million in the quarter ended September 30, 2019, principally due to an increase of $12.3 million in the net gain on loan origination and sale activities. Sold mortgage loans reached a volume of $410.4 million in the third quarter of 2020. The increase in the gain on loan origination and sale activities was accompanied by an increase in net mortgage servicing fees due to a fair value adjustment for mortgage servicing rights of $1.1 million, given a recent stabilization of interest rates from the first half of the year. Net mortgage servicing fees for the quarter ended September 30, 2019 included a negative fair valuation adjustment of $522,000.

 

Non-interest expenses increased $1.3 million to $11.1 million in the quarter ended September 30, 2020 from $9.7 million in the quarter ended September 30, 2019. The increase is principally due to an increase in salaries and employee benefits of $901,000, mainly related to higher commissions and incentives associated with increased residential loan production.

 

Occupancy and equipment expenses increased $186,000 in the quarter ended September 30, 2020 over the prior year period, partly as a result of increased spending on cleaning and supplies related to the COVID-19 pandemic of $22,000, in addition to increased depreciation of furniture, fixtures and equipment that are expected to be retired as the Company looks to consolidate its office space in light of prolonged remote working arrangements.

 

Other non-interest expenses comprising professional fees, marketing, FDIC insurance and other non-interest expenses increased by $246,000 in the quarter ended September 30, 2020 versus the prior year period, as elevated mortgage loan production costs and the expiration of an FDIC deposit insurance credit were partially offset by a decrease in discretionary marketing expenses.

 

Income tax expense of $2.7 million for the quarter ended September 30, 2020 consists of both federal and state tax expenses. The Company’s net operating loss carryforward of $10.8 million from prior years was fully absorbed during the period.

 

Year-to-Date Operating Results

Net interest income increased by $385,000, or 2.9%, for the nine months ended September 30, 2020 compared to the same period in the prior year. This increase was driven by an increase in the proportion of non-maturity deposits, and a decline in the proportion of term certificates from the prior year. The net interest margin decreased in the first nine months of 2020 to 2.86%, from 2.94% in the first nine months of 2019, due to deposit repricing lagging the decreasing interest-earning asset yields in a declining interest rate environment.

 

The Company recognized a provision for loan losses of $2.3 million for the nine months ended September 30, 2020 compared to a credit of $144,000 in the prior year period.

 

Non-interest income increased $24.3 million, or 155.8%, to $39.8 million for the nine months ended September 30, 2020 from $15.6 million in the nine months ended September 30, 2019, principally due to an increase of $26.2 million in the net gain on loan origination and sale activities. Mortgage loans sold were $1.1 billion for the first nine months of 2020. The increase in the gain on loan origination and sale activities was partially offset by a decrease in net mortgage servicing fees due to a fair value adjustment for mortgage servicing rights of $2.0 million in the nine months ended September 30, 2020,

877-963-2100 • www.envisionbank.com                                                                                       Member FDIC • Member DIF

2


given expectations of higher prepayments. The fair value adjustment for mortgage servicing rights was $636,000 in the nine months ended September 30, 2019.

 

Non-interest expenses increased $6.9 million, or 26.2%, to $33.4 million for the nine months ended September 30, 2020 from $26.5 million for the nine months ended September 30, 2019. Non-interest expenses in the first nine months of 2020 included one-time charges of $1.4 million related to the retirement of senior executives as well as $229,000 of COVID-19 pandemic-related expenses.

 

In the first nine months of 2020, salaries and employee benefits increased $5.9 million, including one-time charges of $1.4 million for the retirement of senior executives, higher commissions and incentives associated with higher residential loan production, and COVID-19 pandemic-related compensation of $101,000 for front-line and quarantined employees.

 

Occupancy and equipment expenses increased $423,000 in the first nine months of 2020 over the prior year period, partly as a result of increased spending on cleaning and supplies related to the COVID-19 pandemic of $125,000, as well as increased depreciation of furniture, fixtures and equipment that are expected to be retired as we consolidate our administrative office space in light of prolonged remote working arrangements for certain back-office staff.

 

Professional fees in the first nine months of 2020 increased $69,000 over the prior year period, primarily related to management succession planning costs. Spending on marketing during the first nine months of 2020 was $186,000 less than in the prior year period, due to fewer marketing campaigns while communities were subject to a stay-at-home order. The increase of $652,000 in other non-interest expenses during the first nine months of 2020 was driven mainly by costs related to higher mortgage loan production.

 

Income tax expense of $3.3 million for the nine months ended September 30, 2020 consists of both federal and state income taxes, as the Company’s net operating loss carryforward of $12.0 million from prior years was fully absorbed during the period.

 

Balance Sheet

At September 30, 2020, total assets amounted to $723.0 million compared to $631.0 million at December 31, 2019, an increase of $92.0 million, or 14.6%. Contributing to asset growth was a $15.4 million increase in net loans, mainly driven by the issuance of Paycheck Protection Program loans (“SBA PPP Loans”) for $15.4 million. Cash and cash equivalents increased by $40.8 million during the first nine months of 2020, mainly as a result of strong core growth in deposits and the timing of cash proceeds from loan sales. Loans held for sale increased by $25.0 million to $87.8 million at September 30, 2020 from $62.8 million at December 31, 2019.

 

The increase in total assets was funded by deposit growth. Non-brokered deposits totaled $485.0 million at September 30, 2020, increasing by $78.8 million, or 19.4%, during the first nine months of 2020. Driving the growth in non-brokered deposits were customers’ receipt of government stimulus, SBA PPP Loans proceeds which were deposited with us, and our focus on deposit gathering prior to the onset of the COVID-19 pandemic. Brokered deposits declined by $53.6 million to $37.3 million at September 30, 2020, from $90.9 million at December 31, 2019. Federal Home Loan Bank (“FHLB”) and Federal Reserve Bank advances increased by $37.8 million to $82.2 million at September 30, 2020, from $44.4 million at December 31, 2019, as a result of the funding of our SBA PPP Loans and other loans with FHLB and Federal Reserve Bank advances.

 

Total stockholders’ equity was $94.9 million at September 30, 2020 compared to $78.5 million at December 31, 2019. The increase of $16.5 million relates mainly to net income in the period of $14.7 million and an increase in the fair value of available-for-sale securities, net of taxes, of $1.6 million. In addition, the Company repurchased $1.2 million of shares during the first nine months of 2020, and equity adjustments related to the stock benefit plan and the employee stock ownership plan amounted to $1.5 million during the period.

877-963-2100 • www.envisionbank.com                                                                                       Member FDIC • Member DIF

3


 

COVID-19 Impact

In response to the impact of the COVID-19 pandemic on our customers and our business, the Company implemented a series of measures through the date of this release, including participation in the Small Business Administration’s Paycheck Protection Program, for which we funded $15.4 million of SBA PPP Loans through September 30, 2020, and granting payment deferrals for residential mortgage, home equity and certain commercial borrowers who were current in their payments at the time the deferral was requested. Depending on the circumstances of the borrowers, the forbearance calls for a reduced or full deferral of payment. Please refer to the Loan Payment Deferrals and COVID-19 Most Impacted Sectors for statistics on loan payment deferrals and the commercial loan sectors we believe could be exposed to the economic impact of the COVID-19 pandemic.

 

About Randolph Bancorp, Inc.

Randolph Bancorp, Inc. is the holding company for Envision Bank and its Envision Mortgage Division. Envision Bank is a full-service community bank with five retail branch locations, loan operations centers in North Attleboro and Stoughton, Massachusetts, four loan production offices located throughout Massachusetts and one loan production office in Southern New Hampshire.

Forward Looking Statements

Certain statements contained in this press release that are not historical facts may constitute forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, and are intended to be covered by the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Forward-looking statements involve risks and uncertainties. The Company’s actual results could differ materially from those projected in the forward-looking statements as a result of, among others, the negative impacts and disruptions of the COVID-19 pandemic and the measures taken to contain its spread on our employees, customers, business operations, credit quality, financial position, liquidity and results of operations; the length and extent of economic contraction as a result of the COVID-19 pandemic; the effects of continued deterioration in employment levels, general business and economic conditions on a national basis and in the local markets in which the Company operates, including changes that adversely affect borrowers’ ability to service and repay the Company’s loans; changes in consumer behavior due to changing political, business and economic conditions or legislative or regulatory initiatives; reputational risk relating to the Company’s participation in the Paycheck Protection Program and other pandemic-related legislative and regulatory initiatives and programs; turbulence in the capital and debt markets and the impact of such conditions on the Company’s business activities; and the risk factors described in the Company’s Annual Report on Form 10-K and Quarterly Reports on Form 10-Q as filed with the Securities and Exchange Commission. The Company does not undertake any obligation to update any forward-looking statement to reflect circumstances or events that occur after the date the forward-looking statements are made.

 

Non-GAAP Financial Measures

The Company uses certain non-GAAP financial measures, such as return on average assets, return on average equity, non-interest income to total income, the efficiency ratio, tangible book value per share and, where applicable, as adjusted for non-recurring items. These non-GAAP financial measures provide information for investors to effectively analyze financial trends of on-going business activities, and to enhance comparability with peers across the financial services sector.

877-963-2100 • www.envisionbank.com                                                                                       Member FDIC • Member DIF

4


Randolph Bancorp, Inc.

Consolidated Balance Sheets

(Dollars in thousands)

(Unaudited)

 

 

September 30,

 

 

December 31,

 

 

 

2020

 

 

2019

 

 

 

 

 

 

 

 

 

 

Assets

 

Cash and due from banks

 

$

5,335

 

 

$

4,371

 

Interest-bearing deposits

 

 

43,756

 

 

 

3,881

 

Total cash and cash equivalents

 

 

49,091

 

 

 

8,252

 

 

 

 

 

 

 

 

 

 

Certificates of deposit

 

 

-

 

 

 

490

 

Securities available for sale, at fair value

 

 

55,551

 

 

 

57,503

 

Loans held for sale, at fair value

 

 

87,805

 

 

 

62,792

 

Loans, net of allowance for loan losses of $6,597 in 2020 and $4,280 in 2019

 

 

484,548

 

 

 

469,131

 

Federal Home Loan Bank of Boston stock, at cost

 

 

3,797

 

 

 

2,417

 

Accrued interest receivable

 

 

1,654

 

 

 

1,393

 

Mortgage servicing rights, net

 

 

10,944

 

 

 

8,556

 

Premises and equipment, net

 

 

5,133

 

 

 

5,748

 

Bank-owned life insurance

 

 

8,577

 

 

 

8,441

 

Foreclosed real estate, net

 

 

132

 

 

 

-

 

Other assets

 

 

15,736

 

 

 

6,281

 

 

 

 

 

 

 

 

 

 

Total assets

 

$

722,968

 

 

$

631,004

 

 

 

 

 

 

 

 

 

 

Liabilities and Stockholders' Equity

 

Deposits:

 

 

 

 

 

 

 

 

Non-interest bearing

 

$

93,352

 

 

$

61,603

 

Interest bearing

 

 

391,660

 

 

 

344,581

 

Brokered

 

 

37,273

 

 

 

90,858

 

Total deposits

 

 

522,285

 

 

 

497,042

 

 

 

 

 

 

 

 

 

 

Federal Reserve Bank advances

 

 

15,318

 

 

 

-

 

Federal Home Loan Bank of Boston advances

 

 

66,903

 

 

 

44,403

 

Mortgagors' escrow accounts

 

 

1,959

 

 

 

2,052

 

Post-employment benefit obligations

 

 

2,289

 

 

 

2,464

 

Other liabilities

 

 

19,276

 

 

 

6,581

 

Total liabilities

 

 

628,030

 

 

 

552,542

 

 

 

 

 

 

 

 

 

 

Stockholders' Equity:

 

 

 

 

 

 

 

 

Common stock

 

 

55

 

 

 

56

 

Additional paid-in capital

 

 

51,201

 

 

 

51,127

 

Retained earnings

 

 

46,415

 

 

 

31,757

 

ESOP-Unearned compensation

 

 

(3,803

)

 

 

(3,944

)

Accumulated other comprehensive income (loss), net of tax

 

 

1,070

 

 

 

(534

)

Total stockholders' equity

 

 

94,938

 

 

 

78,462

 

 

 

 

 

 

 

 

 

 

Total liabilities and stockholders' equity

 

$

722,968

 

 

$

631,004

 

 

877-963-2100 • www.envisionbank.com                                                                                       Member FDIC • Member DIF

5


 

 

Randolph Bancorp, Inc.

Consolidated Statements of Operations

(Dollars in thousands except per share amounts)

(Unaudited)

 

 

Three Months Ended September 30,

 

 

Nine Months Ended September 30,

 

 

 

2020

 

 

2019

 

 

2020

 

 

2019

 

Interest and dividend income:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans

 

$

5,337

 

 

$

6,144

 

 

$

16,680

 

 

$

17,791

 

Other interest and dividend income

 

 

311

 

 

 

397

 

 

 

1,080

 

 

 

1,221

 

Total interest and dividend income

 

 

5,648

 

 

 

6,541

 

 

 

17,760

 

 

 

19,012

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest expense

 

 

979

 

 

 

1,968

 

 

 

3,933

 

 

 

5,570

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income

 

 

4,669

 

 

 

4,573

 

 

 

13,827

 

 

 

13,442

 

Provision (credit) for loan losses

 

 

546

 

 

 

-

 

 

 

2,338

 

 

 

(144

)

Net interest income after provision for loan losses

 

 

4,123

 

 

 

4,573

 

 

 

11,489

 

 

 

13,586

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non-interest income:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Customer service fees

 

 

330

 

 

 

363

 

 

 

902

 

 

 

1,053

 

Gain on loan origination and sale activities, net

 

 

18,102

 

 

 

5,782

 

 

 

39,616

 

 

 

13,438

 

Mortgage servicing fees, net

 

 

1,180

 

 

 

(181

)

 

 

(1,428

)

 

 

362

 

Other

 

 

262

 

 

 

339

 

 

 

734

 

 

 

718

 

Total non-interest income

 

 

19,874

 

 

 

6,303

 

 

 

39,824

 

 

 

15,571

 

Non-interest expenses:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Salaries and employee benefits

 

 

7,911

 

 

 

7,010

 

 

 

24,439

 

 

 

18,514

 

Occupancy and equipment

 

 

859

 

 

 

673

 

 

 

2,395

 

 

 

1,972

 

Professional fees

 

 

253

 

 

 

264

 

 

 

888

 

 

 

819

 

Marketing

 

 

154

 

 

 

275

 

 

 

458

 

 

 

644

 

FDIC insurance

 

 

41

 

 

 

(55

)

 

 

136

 

 

 

91

 

Other non-interest expenses

 

 

1,833

 

 

 

1,551

 

 

 

5,073

 

 

 

4,421

 

Total non-interest expenses

 

 

11,051

 

 

 

9,718

 

 

 

33,389

 

 

 

26,461

 

Income before income taxes

 

 

12,946

 

 

 

1,158

 

 

 

17,924

 

 

 

2,696

 

Income tax expense

 

 

2,661

 

 

 

14

 

 

 

3,266

 

 

 

97

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net income

 

$

10,285

 

 

$

1,144

 

 

$

14,658

 

 

$

2,599

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net income per share:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Basic

 

$

2.01

 

 

$

0.21

 

 

$

2.86

 

 

$

0.48

 

Diluted

 

$

2.01

 

 

$

0.21

 

 

$

2.86

 

 

$

0.48

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Weighted average shares outstanding:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Basic

 

 

5,120,367

 

 

 

5,345,786

 

 

 

5,123,705

 

 

 

5,429,339

 

Diluted

 

 

5,120,367

 

 

 

5,345,786

 

 

 

5,126,077

 

 

 

5,429,339

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

877-963-2100 • www.envisionbank.com                                                                                       Member FDIC • Member DIF

6


 

Randolph Bancorp, Inc.

Average Balances/Yields

(Dollars in thousands)

(Unaudited)

 

 

For the Three Months Ended September 30,

 

 

2020

 

 

2019

 

 

Average

 

 

Interest

 

 

Average

 

 

Average

 

 

Interest

 

 

Average

 

 

Outstanding

 

 

Earned/

 

 

Yield/

 

 

Outstanding

 

 

Earned/

 

 

Yield/

 

(Dollars in thousands)

Balance

 

 

Paid

 

 

Rate

 

 

Balance

 

 

Paid

 

 

Rate

 

Interest-earning assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  Loans (1)

$

559,370

 

 

$

5,337

 

 

 

3.82

%

 

$

573,899

 

 

$

6,144

 

 

 

4.28

%

  Investment securities(2) (3)

 

57,211

 

 

 

305

 

 

 

2.13

%

 

 

53,947

 

 

 

377

 

 

 

2.80

%

  Interest-earning deposits

 

48,949

 

 

 

7

 

 

 

0.06

%

 

 

4,881

 

 

 

23

 

 

 

1.88

%

Total interest-earning assets

 

665,530

 

 

 

5,649

 

 

 

3.40

%

 

 

632,727

 

 

 

6,544

 

 

 

4.14

%

Noninterest-earning assets

 

41,037

 

 

 

 

 

 

 

 

 

 

 

14,757

 

 

 

 

 

 

 

 

 

Total assets

$

706,567

 

 

 

 

 

 

 

 

 

 

$

647,484

 

 

 

 

 

 

 

 

 

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  Savings accounts

 

170,762

 

 

 

172

 

 

 

0.40

%

 

 

107,764

 

 

 

149

 

 

 

0.55

%

  NOW accounts

 

57,646

 

 

 

41

 

 

 

0.28

%

 

 

38,697

 

 

 

47

 

 

 

0.49

%

  Money market accounts

 

72,369

 

 

 

75

 

 

 

0.41

%

 

 

64,058

 

 

 

251

 

 

 

1.57

%

  Term certificates

 

131,053

 

 

 

442

 

 

 

1.35

%

 

 

182,073

 

 

 

918

 

 

 

2.02

%

Total interest-bearing deposits

 

431,830

 

 

 

730

 

 

 

0.68

%

 

 

392,592

 

 

 

1,365

 

 

 

1.39

%

  FHLBB and FRB advances

 

82,639

 

 

 

249

 

 

 

1.21

%

 

 

101,933

 

 

 

603

 

 

 

2.37

%

Total interest-bearing liabilities

 

514,469

 

 

 

979

 

 

 

0.76

%

 

 

494,525

 

 

 

1,968

 

 

 

1.59

%

Noninterest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  Noninterest-bearing deposits

 

88,394

 

 

 

 

 

 

 

 

 

 

 

62,456

 

 

 

 

 

 

 

 

 

  Other noninterest-bearing liabilities

 

12,724

 

 

 

 

 

 

 

 

 

 

 

10,138

 

 

 

 

 

 

 

 

 

Total liabilities

 

615,587

 

 

 

 

 

 

 

 

 

 

 

567,119

 

 

 

 

 

 

 

 

 

Total stockholders' equity

 

90,980

 

 

 

 

 

 

 

 

 

 

 

80,365

 

 

 

 

 

 

 

 

 

Total liabilities and stockholders' equity

$

706,567

 

 

 

 

 

 

 

 

 

 

$

647,484

 

 

 

 

 

 

 

 

 

Net interest income

 

 

 

 

$

4,670

 

 

 

 

 

 

 

 

 

 

$

4,576

 

 

 

 

 

Interest rate spread(4)

 

 

 

 

 

 

 

 

 

2.64

%

 

 

 

 

 

 

 

 

 

 

2.55

%

Net interest-earning assets(5)

$

151,061

 

 

 

 

 

 

 

 

 

 

$

138,202

 

 

 

 

 

 

 

 

 

Net interest margin(6)

 

 

 

 

 

 

 

 

 

2.81

%

 

 

 

 

 

 

 

 

 

 

2.89

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ratio of interest-earning assets to interest-bearing liabilities

 

129.36

%

 

 

 

 

 

 

 

 

 

 

127.95

%

 

 

 

 

 

 

 

 

 

(1) Includes nonaccruing loan balances and interest received on such loans.

(2) Includes carrying value of securities classified as available-for-sale and FHLB of Boston stock

(3) Includes tax equivalent adjustments for municipal securities, based on an effective tax rate of 21%, of $1,000 and $3,000 for the three months ended September 30, 2020 and 2019, respectively.

(4) Interest rate spread represents the difference between the yield on average interest-earning assets and the cost of average interest-bearing liabilities.

(5) Net interest-earning assets represent total interest-earning assets less total interest-bearing liabilities.

(6) Net interest margin represents net interest income divided by average total interest-earning assets.

877-963-2100 • www.envisionbank.com                                                                                       Member FDIC • Member DIF

7


Randolph Bancorp, Inc.

Average Balances/Yields

(Dollars in thousands)

(Unaudited)

 

 

For the Nine Months Ended September 30,

 

 

2020

 

 

2019

 

 

Average

 

 

Interest

 

 

Average

 

 

Average

 

 

Interest

 

 

Average

 

 

Outstanding

 

 

Earned/

 

 

Yield/

 

 

Outstanding

 

 

Earned/

 

 

Yield/

 

(Dollars in thousands)

Balance

 

 

Paid

 

 

Rate

 

 

Balance

 

 

Paid

 

 

Rate

 

Interest-earning assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  Loans (1)

$

555,838

 

 

$

16,680

 

 

 

4.00

%

 

$

549,665

 

 

$

17,791

 

 

 

4.32

%

  Investment securities(2) (3)

 

58,201

 

 

 

1,016

 

 

 

2.33

%

 

 

54,350

 

 

 

1,154

 

 

 

2.83

%

  Interest-earning deposits

 

30,177

 

 

 

68

 

 

 

0.30

%

 

 

5,132

 

 

 

77

 

 

 

2.00

%

Total interest-earning assets

 

644,216

 

 

 

17,764

 

 

 

3.68

%

 

 

609,147

 

 

 

19,022

 

 

 

4.16

%

Noninterest-earning assets

 

37,509

 

 

 

 

 

 

 

 

 

 

 

21,228

 

 

 

 

 

 

 

 

 

Total assets

$

681,725

 

 

 

 

 

 

 

 

 

 

$

630,375

 

 

 

 

 

 

 

 

 

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  Savings accounts

 

154,736

 

 

 

689

 

 

 

0.59

%

 

 

104,530

 

 

 

337

 

 

 

0.43

%

  NOW accounts

 

54,185

 

 

 

142

 

 

 

0.35

%

 

 

39,466

 

 

 

144

 

 

 

0.49

%

  Money market accounts

 

70,712

 

 

 

394

 

 

 

0.74

%

 

 

65,609

 

 

 

712

 

 

 

1.45

%

  Term certificates

 

159,540

 

 

 

2,012

 

 

 

1.68

%

 

 

171,827

 

 

 

2,552

 

 

 

1.98

%

Total interest-bearing deposits

 

439,173

 

 

 

3,237

 

 

 

0.98

%

 

 

381,432

 

 

 

3,745

 

 

 

1.31

%

  FHLBB and FRB advances

 

69,672

 

 

 

696

 

 

 

1.33

%

 

 

98,817

 

 

 

1,825

 

 

 

2.46

%

Total interest-bearing liabilities

 

508,845

 

 

 

3,933

 

 

 

1.03

%

 

 

480,249

 

 

 

5,570

 

 

 

1.55

%

Noninterest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  Noninterest-bearing deposits

 

76,397

 

 

 

 

 

 

 

 

 

 

 

62,194

 

 

 

 

 

 

 

 

 

  Other noninterest-bearing liabilities

 

11,996

 

 

 

 

 

 

 

 

 

 

 

8,681

 

 

 

 

 

 

 

 

 

Total liabilities

 

597,238

 

 

 

 

 

 

 

 

 

 

 

551,124

 

 

 

 

 

 

 

 

 

Total stockholders' equity

 

84,487

 

 

 

 

 

 

 

 

 

 

 

79,251

 

 

 

 

 

 

 

 

 

Total liabilities and stockholders' equity

$

681,725

 

 

 

 

 

 

 

 

 

 

$

630,375

 

 

 

 

 

 

 

 

 

Net interest income

 

 

 

 

$

13,831

 

 

 

 

 

 

 

 

 

 

$

13,452

 

 

 

 

 

Interest rate spread(4)

 

 

 

 

 

 

 

 

 

2.65

%

 

 

 

 

 

 

 

 

 

 

2.61

%

Net interest-earning assets(5)

$

135,371

 

 

 

 

 

 

 

 

 

 

$

128,898

 

 

 

 

 

 

 

 

 

Net interest margin(6)

 

 

 

 

 

 

 

 

 

2.86

%

 

 

 

 

 

 

 

 

 

 

2.94

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ratio of interest-earning assets to interest-bearing liabilities

 

126.60

%

 

 

 

 

 

 

 

 

 

 

126.84

%

 

 

 

 

 

 

 

 

 

(1) Includes nonaccruing loan balances and interest received on such loans.

(2) Includes carrying value of securities classified as available-for-sale and FHLB of Boston stock.

(3) Includes tax equivalent adjustments for municipal securities, based on an effective tax rate of 21%, of $4,000 and $10,000 for the nine months ended September 30, 2020 and 2019, respectively.

(4) Interest rate spread represents the difference between the yield on average interest-earning assets and the cost of average interest-bearing liabilities.

(5) Net interest-earning assets represent total interest-earning assets less total interest-bearing liabilities.

(6) Net interest margin represents net interest income divided by average total interest-earning assets.

877-963-2100 • www.envisionbank.com                                                                                       Member FDIC • Member DIF

8


 

Randolph Bancorp, Inc.

Rate/Volume Analysis

(Dollars in thousands)

(Unaudited)

 

 

Three Months Ended

 

 

September 30, 2020 vs. 2019

 

 

Increase (Decrease)

 

 

Total

 

 

Due to Changes in

 

 

Increase

 

 

Volume

 

 

Rate

 

 

(Decrease)

 

Interest-earning assets:

 

 

 

 

 

 

 

 

 

 

 

  Loans

$

(154

)

 

$

(653

)

 

$

(807

)

  Investment securities

 

22

 

 

 

(94

)

 

 

(72

)

  Interest-earning deposits

 

27

 

 

 

(41

)

 

 

(14

)

           Total interest-earning assets

 

(105

)

 

 

(788

)

 

 

(893

)

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

Savings accounts

 

71

 

 

 

(48

)

 

 

23

 

NOW accounts

 

18

 

 

 

(24

)

 

 

(6

)

Money market accounts

 

29

 

 

 

(205

)

 

 

(176

)

Term certificates

 

(218

)

 

 

(258

)

 

 

(476

)

           Total interest-bearing deposits

 

(100

)

 

 

(535

)

 

 

(635

)

FHLBB and FRB advances

 

(99

)

 

 

(255

)

 

 

(354

)

           Total interest-bearing liabilities

 

(199

)

 

 

(790

)

 

 

(989

)

 

 

 

 

 

 

 

 

 

 

 

 

Change in net interest income

$

94

 

 

$

2

 

 

$

96

 

 

 

Nine Months Ended

 

 

September 30, 2020 vs. 2019

 

 

Increase (Decrease)

 

 

Total

 

 

Due to Changes in

 

 

Increase

 

 

Volume

 

 

Rate

 

 

(Decrease)

 

Interest-earning assets:

 

 

 

 

 

 

 

 

 

 

 

  Loans

$

(29

)

 

$

(1,080

)

 

$

(1,109

)

  Investment securities

 

(1

)

 

 

(136

)

 

 

(137

)

  Interest-earning deposits

 

30

 

 

 

(37

)

 

 

(7

)

           Total interest-earning assets

 

-

 

 

 

(1,253

)

 

 

(1,253

)

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

Savings accounts

 

197

 

 

 

154

 

 

 

351

 

NOW accounts

 

15

 

 

 

(17

)

 

 

(2

)

Money market accounts

 

(12

)

 

 

(306

)

 

 

(318

)

Term certificates

 

(173

)

 

 

(367

)

 

 

(540

)

           Total interest-bearing deposits

 

27

 

 

 

(536

)

 

 

(509

)

FHLBB and FRB advances

 

(441

)

 

 

(688

)

 

 

(1,129

)

           Total interest-bearing liabilities

 

(414

)

 

 

(1,224

)

 

 

(1,638

)

 

 

 

 

 

 

 

 

 

 

 

 

Change in net interest income

$

414

 

 

$

(29

)

 

$

385

 


877-963-2100 • www.envisionbank.com                                                                                       Member FDIC • Member DIF

9


Randolph Bancorp, Inc.

Segment Information

(Dollars in thousands)

(Unaudited)

 

 

 

For the Three Months Ended September 30, 2020

 

 

 

Envision Bank

 

 

Envision Mortgage

 

 

Consolidated Total

 

Net interest income

 

$

4,032

 

 

$

637

 

 

$

4,669

 

Provision for loan losses

 

 

546

 

 

 

-

 

 

 

546

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income after provision for loan losses

 

 

3,486

 

 

 

637

 

 

 

4,123

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non-interest income:

 

 

 

 

 

 

 

 

 

 

 

 

Customer service fees

 

 

309

 

 

 

21

 

 

 

330

 

Gain on loan origination and sale activities, net (1)

 

 

-

 

 

 

18,459

 

 

 

18,459

 

Mortgage servicing fees, net

 

 

(98

)

 

 

1,278

 

 

 

1,180

 

Other

 

 

93

 

 

 

169

 

 

 

262

 

Total non-interest income

 

 

304

 

 

 

19,927

 

 

 

20,231

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non-interest expenses:

 

 

 

 

 

 

 

 

 

 

 

 

Salaries and employee benefits

 

 

1,959

 

 

 

5,952

 

 

 

7,911

 

Occupancy and equipment

 

 

437

 

 

 

422

 

 

 

859

 

Other non-interest expenses

 

 

1,084

 

 

 

1,197

 

 

 

2,281

 

Total non-interest expenses

 

 

3,480

 

 

 

7,571

 

 

 

11,051

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Income (loss) before income taxes and elimination of inter-segment profit

 

$

310

 

 

$

12,993

 

 

 

13,303

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Elimination of inter-segment profit

 

 

 

 

 

 

 

 

 

 

(357

)

Income before income taxes

 

 

 

 

 

 

 

 

 

 

12,946

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Income tax expense

 

 

 

 

 

 

 

 

 

 

2,661

 

Net income

 

 

 

 

 

 

 

 

 

$

10,285

 

 

 

(1)

Before elimination of inter-segment profit.

The information above was derived from the internal management reporting system used to measure performance of the segments.

 


877-963-2100 • www.envisionbank.com                                                                                       Member FDIC • Member DIF

10


Randolph Bancorp, Inc.

Segment Information

(Dollars in thousands)

(Unaudited)

 

 

 

For the Three Months Ended September 30, 2019

 

 

 

Envision Bank

 

 

Envision Mortgage

 

 

Consolidated Total

 

Net interest income

 

$

3,781

 

 

$

792

 

 

$

4,573

 

Credit for loan losses

 

 

-

 

 

 

-

 

 

 

-

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income after credit for loan losses

 

 

3,781

 

 

 

792

 

 

 

4,573

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non-interest income:

 

 

 

 

 

 

 

 

 

 

 

 

Customer service fees

 

 

331

 

 

 

32

 

 

 

363

 

Gain on loan origination and sale activities, net (1)

 

 

-

 

 

 

6,010

 

 

 

6,010

 

Mortgage servicing fees, net

 

 

(93

)

 

 

(88

)

 

 

(181

)

Other

 

 

242

 

 

 

97

 

 

 

339

 

Total non-interest income

 

 

480

 

 

 

6,051

 

 

 

6,531

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non-interest expenses:

 

 

 

 

 

 

 

 

 

 

 

 

Salaries and employee benefits

 

 

1,966

 

 

 

5,044

 

 

 

7,010

 

Occupancy and equipment

 

 

367

 

 

 

306

 

 

 

673

 

Other non-interest expenses

 

 

1,184

 

 

 

851

 

 

 

2,035

 

Total non-interest expenses

 

 

3,517

 

 

 

6,201

 

 

 

9,718

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Income before income taxes and elimination of inter-segment profit

 

$

744

 

 

$

642

 

 

 

1,386

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Elimination of inter-segment profit

 

 

 

 

 

 

 

 

 

 

(228

)

Loss before income taxes

 

 

 

 

 

 

 

 

 

 

1,158

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Income tax expense

 

 

 

 

 

 

 

 

 

 

14

 

Net income

 

 

 

 

 

 

 

 

 

$

1,144

 

 

 

(1)

Before elimination of inter-segment profit.

 

The information above was derived from the internal management reporting system used to measure performance of the segments.

 


877-963-2100 • www.envisionbank.com                                                                                       Member FDIC • Member DIF

11


Randolph Bancorp, Inc.

Segment Information

(Dollars in thousands)

(Unaudited)

 

 

 

For the Nine Months Ended September 30, 2020

 

 

 

Envision Bank

 

 

Envision Mortgage

 

 

Consolidated Total

 

Net interest income

 

$

11,970

 

 

$

1,857

 

 

$

13,827

 

Provision for loan losses

 

 

2,338

 

 

 

-

 

 

 

2,338

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income after provision for loan losses

 

 

9,632

 

 

 

1,857

 

 

 

11,489

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non-interest income:

 

 

 

 

 

 

 

 

 

 

 

 

Customer service fees

 

 

827

 

 

 

75

 

 

 

902

 

Gain on loan origination and sale activities, net (1)

 

 

-

 

 

 

40,667

 

 

 

40,667

 

Mortgage servicing fees, net

 

 

(281

)

 

 

(1,147

)

 

 

(1,428

)

Other

 

 

318

 

 

 

416

 

 

 

734

 

Total non-interest income

 

 

864

 

 

 

40,011

 

 

 

40,875

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non-interest expenses:

 

 

 

 

 

 

 

 

 

 

 

 

Salaries and employee benefits (2)

 

 

6,983

 

 

 

17,456

 

 

 

24,439

 

Occupancy and equipment

 

 

1,305

 

 

 

1,090

 

 

 

2,395

 

Other non-interest expenses

 

 

3,286

 

 

 

3,269

 

 

 

6,555

 

Total non-interest expenses

 

 

11,574

 

 

 

21,815

 

 

 

33,389

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Income (loss) before income taxes and elimination of inter-segment profit

 

$

(1,078

)

 

$

20,053

 

 

 

18,975

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Elimination of inter-segment profit

 

 

 

 

 

 

 

 

 

 

(1,051

)

Income before income taxes

 

 

 

 

 

 

 

 

 

 

17,924

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Income tax expense

 

 

 

 

 

 

 

 

 

 

3,266

 

Net income

 

 

 

 

 

 

 

 

 

$

14,658

 

 

 

(1)

Before elimination of inter-segment profit.

 

(2)

Salaries and benefits include the severance and vested stock acceleration costs related to the retirement of the CEO and CFO of the Bank. The total cost of this event was $1.38 million, of which $1.03 million was allocated to the Bank segment and the remainder, $344,000, was allocated to the mortgage segment.


877-963-2100 • www.envisionbank.com                                                                                       Member FDIC • Member DIF

12


Randolph Bancorp, Inc.

Segment Information

(Dollars in thousands)

(Unaudited)

 

 

 

For the Nine Months Ended September 30, 2019

 

 

 

Envision Bank

 

 

Envision Mortgage

 

 

Consolidated Total

 

Net interest income

 

$

12,123

 

 

$

1,319

 

 

$

13,442

 

Credit for loan losses

 

 

(144

)

 

 

-

 

 

 

(144

)

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income after credit for loan losses

 

 

12,267

 

 

 

1,319

 

 

 

13,586

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non-interest income:

 

 

 

 

 

 

 

 

 

 

 

 

Customer service fees

 

 

947

 

 

 

106

 

 

 

1,053

 

Gain on loan origination and sale activities, net (1)

 

 

-

 

 

 

14,043

 

 

 

14,043

 

Mortgage servicing fees, net

 

 

(273

)

 

 

635

 

 

 

362

 

Other

 

 

465

 

 

 

253

 

 

 

718

 

Total non-interest income

 

 

1,139

 

 

 

15,037

 

 

 

16,176

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non-interest expenses:

 

 

 

 

 

 

 

 

 

 

 

 

Salaries and employee benefits

 

 

5,292

 

 

 

13,222

 

 

 

18,514

 

Occupancy and equipment

 

 

1,137

 

 

 

835

 

 

 

1,972

 

Other non-interest expenses

 

 

3,436

 

 

 

2,539

 

 

 

5,975

 

Total non-interest expenses

 

 

9,865

 

 

 

16,596

 

 

 

26,461

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Income (loss) before income taxes and elimination of inter-segment profit

 

$

3,541

 

 

$

(240

)

 

 

3,301

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Elimination of inter-segment profit

 

 

 

 

 

 

 

 

 

 

(605

)

Income before income taxes

 

 

 

 

 

 

 

 

 

 

2,696

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Income tax expense

 

 

 

 

 

 

 

 

 

 

97

 

Net income

 

 

 

 

 

 

 

 

 

$

2,599

 

 

 

(1)

Before elimination of inter-segment profit.

 


877-963-2100 • www.envisionbank.com                                                                                       Member FDIC • Member DIF

13


Randolph Bancorp, Inc.

Reconciliation of GAAP to Non-GAAP Net Income

(in thousands)

(Unaudited)

 

 

 

Quarter Ended

 

 

 

September 30, 2020

 

 

 

Income Before Taxes

 

 

Provision for Income Taxes

 

 

Net Income

 

 

Earnings per Common Share (diluted)

 

GAAP basis

 

$

12,946

 

 

$

2,661

 

 

$

10,285

 

 

$

2.01

 

Non-interest expense adjustments:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

COVID-19 related expenses

 

 

22

 

 

 

4

 

 

 

18

 

 

$

0.00

 

Non-GAAP basis

 

$

12,968

 

 

$

2,665

 

 

$

10,303

 

 

$

2.01

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Quarter Ended

 

 

 

September 30, 2019

 

 

 

Income Before Taxes

 

 

Provision for Income Taxes

 

 

Net Income

 

 

Earnings per Common Share (diluted)

 

GAAP basis

 

$

1,158

 

 

$

14

 

 

$

1,144

 

 

$

0.21

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non-GAAP basis

 

$

1,158

 

 

$

14

 

 

$

1,144

 

 

$

0.21

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Year-to-Date

 

 

 

September 30, 2020

 

 

 

Income Before Taxes

 

 

Provision for Income Taxes

 

 

Net Income

 

 

Earnings per Common Share (diluted)

 

GAAP basis

 

$

17,924

 

 

$

3,266

 

 

$

14,658

 

 

$

2.86

 

Non-interest expense adjustments:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Retirement salary and benefits compensation

 

 

692

 

 

 

126

 

 

 

566

 

 

 

0.11

 

Accelerated vesting of stock-based compensation

 

 

683

 

 

 

124

 

 

 

559

 

 

 

0.11

 

COVID-19 related expenses

 

 

229

 

 

 

42

 

 

 

187

 

 

 

0.04

 

Non-GAAP basis

 

$

19,528

 

 

$

3,558

 

 

$

15,970

 

 

$

3.12

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Year-to-Date

 

 

 

September 30, 2019

 

 

 

Income Before Taxes

 

 

Provision for Income Taxes

 

 

Net Income

 

 

Earnings per Common Share (diluted)

 

GAAP basis

 

$

2,696

 

 

$

97

 

 

$

2,599

 

 

$

0.48

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non-GAAP basis

 

$

2,696

 

 

$

97

 

 

$

2,599

 

 

$

0.48

 


877-963-2100 • www.envisionbank.com                                                                                       Member FDIC • Member DIF

14


 

Randolph Bancorp, Inc.

Selected Financial Highlights

(Unaudited)

 

 

 

At or for the

 

 

At or for the

 

 

 

Three Months Ended September 30,

 

 

Nine Months Ended September 30,

 

 

 

2020

 

 

2019

 

 

2020

 

 

2019

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Return on average assets: (1, 5)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

GAAP

 

 

5.82

%

 

 

0.71

%

 

 

2.87

%

 

 

0.55

%

Non-GAAP (2)

 

 

5.83

%

 

 

0.71

%

 

 

3.12

%

 

 

0.55

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Return on average equity: (1, 6)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

GAAP

 

 

45.22

%

 

 

5.69

%

 

 

23.13

%

 

 

4.37

%

Non-GAAP (2)

 

 

45.30

%

 

 

5.69

%

 

 

25.20

%

 

 

4.37

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest margin

 

 

2.81

%

 

 

2.89

%

 

 

2.86

%

 

 

2.94

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non-interest income to total income:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

GAAP

 

 

80.98

%

 

 

49.07

%

 

 

74.23

%

 

 

45.03

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Efficiency ratio: (7)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

GAAP

 

 

45.03

%

 

 

89.35

%

 

 

62.23

%

 

 

91.20

%

Non-GAAP (2)

 

 

44.94

%

 

 

89.35

%

 

 

59.24

%

 

 

91.20

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tier 1 capital to average assets (3)

 

 

13.28

%

 

 

12.28

%

 

 

13.28

%

 

 

12.28

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Nonperforming assets as a percentage of total assets (4)

 

 

1.38

%

 

 

0.54

%

 

 

1.38

%

 

 

0.54

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Allowance for loan losses as a percentage of total loans (4)

 

 

1.34

%

 

 

0.90

%

 

 

1.34

%

 

 

0.90

%

Allowance for loan losses as a percentage of total loans, excluding SBA PPP Loans (4)

 

 

1.39

%

 

 

0.90

%

 

 

1.39

%

 

 

0.90

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Allowance for loan losses as a percentage of non-performing assets

 

 

67.21

%

 

 

120.20

%

 

 

67.21

%

 

 

120.20

%

Allowance for loan losses as a percentage of non-performing loans

 

 

66.31

%

 

 

120.20

%

 

 

66.31

%

 

 

120.20

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tangible book value per share

 

$

17.18

 

 

$

13.95

 

 

$

17.18

 

 

$

13.95

 

Outstanding Shares

 

 

5,524,390

 

 

 

5,701,152

 

 

 

5,524,390

 

 

 

5,701,152

 

 

 

(1)

Annualized for quarterly periods presented.

 

(2)

See page 14 – Reconciliation of GAAP to Non-GAAP Net Income.

 

(3)

Average assets calculated on a quarterly basis for all periods presented.

 

(4)

Total loans exclude loans held for sale but includes net deferred loan costs and fees.

 

(5)

This non-GAAP measure represents net income divided by average total assets.

 

(6)

This non-GAAP measure represents net income divided by average stockholders’ equity.

 

(7)

This non-GAAP measure represents total non-interest expenses divided by net interest income and non-interest income.

877-963-2100 • www.envisionbank.com                                                                                       Member FDIC • Member DIF

15


Randolph Bancorp, Inc.

COVID-19 Supplemental Disclosure

(Unaudited)

 

Loan Payment Deferrals

 

 

 

As of October 19, 2020

 

 

 

Commercial loans

 

 

Residential loans

 

 

Residential loans serviced for others

 

 

 

(Dollars in thousands)

 

Balance outstanding

 

$

169,940

 

 

$

362,176

 

 

$

1,629,169

 

 

 

 

 

 

 

 

 

 

 

 

 

 

COVID-19 related loan payment deferrals: (1)

 

 

 

 

 

 

 

 

 

 

 

 

Loans in COVID-19-related loan payment deferral

 

$

11,320

 

 

$

5,884

 

 

$

22,228

 

Loans in deferral as a percentage of category loans

 

 

6.7

%

 

 

1.6

%

 

 

1.4

%

Loans with suspended payment

 

$

11,320

 

 

$

4,588

 

 

$

13,296

 

Loans with reduced payment

 

 

-

 

 

 

1,296

 

 

 

8,932

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans which obtained a COVID-19-related payment deferral but

 

 

 

 

 

 

 

 

 

 

 

 

have since resumed payment

 

$

25,600

 

 

$

11,934

 

 

$

44,543

 

Loans reinstated (borrower paid any unpaid principal and interest)

 

 

-

 

 

 

2,746

 

 

 

9,427

 

Loans on a repayment plan

 

 

-

 

 

 

-

 

 

 

1,376

 

Loans which resumed payment but deferred principal and/or

 

 

 

 

 

 

 

 

 

 

 

 

interest payments to maturity (2)

 

 

20,950

 

 

 

8,381

 

 

 

31,330

 

Loans which were paid off completely (3)

 

 

4,650

 

 

 

807

 

 

 

1,582

 

Other loans

 

 

-

 

 

 

-

 

 

 

828

 

 

 

 

 

(1)

Includes commercial loans that have been approved for loan payment deferral but for which documentation is closing or pending.

 

 

(2)

Includes commercial loan for which maturity was extended.

 

 

(3)

Includes the payment from one commercial loan relationship for $2.8 million that was listed on nonaccrual status at September 30, 2020.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

877-963-2100 • www.envisionbank.com                                                                                       Member FDIC • Member DIF

16


 

 

 

 

 

 

Randolph Bancorp, Inc.

COVID-19 Supplemental Disclosure

(Unaudited)

 

COVID-19 Highly Impacted Sectors

 

 

As of September 30, 2020

 

 

 

Exposure Balance

 

 

Exposure by Risk Weighting

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance

 

 

 

 

 

 

 

Real

 

 

Commercial

 

 

 

 

 

 

 

 

 

 

 

 

 

 

with

 

 

 

 

 

 

 

Estate

 

 

&

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deferred

 

Industry (1)

 

Total

 

 

Secured

 

 

Industrial

 

 

Construction

 

 

Pass

 

 

Criticized (4)

 

 

Payments

 

 

 

(Dollars in thousands)

 

Group home/care facility

 

$

1,103

 

 

$

1,103

 

 

$

-

 

 

$

-

 

 

$

1,103

 

 

$

-

 

 

$

-

 

Hotels/hospitality

 

 

12,592

 

 

 

12,559

 

 

 

33

 

 

 

-

 

 

 

-

 

 

 

12,592

 

 

 

8,317

 

Restaurants/food service

 

 

2,858

 

 

 

1,610

 

 

 

1,248

 

 

 

-

 

 

 

2,858

 

 

 

-

 

 

 

-

 

Retail/shopping center

 

 

24,719

 

 

 

20,044

 

 

 

-

 

 

 

4,675

 

 

 

24,082

 

 

 

637

 

 

 

2,060

 

Other sectors (2)

 

 

2,185

 

 

 

2,185

 

 

 

-

 

 

 

-

 

 

 

1,545

 

 

 

640

 

 

 

640

 

Total loans in COVID-19 impacted sectors

 

$

43,457

 

 

$

37,501

 

 

$

1,281

 

 

$

4,675

 

 

$

29,588

 

 

$

13,869

 

 

$

11,017

 

Percentage of commercial loans outstanding

 

24.7%

 

 

26.4%

 

 

6.3%

 

 

34.0%

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial loans outstanding

 

$

176,000

 

 

$

141,862

 

 

$

20,388

 

 

$

13,750

 

 

 

 

 

 

 

 

 

 

 

 

 

Loan to value secured by real estate (3)

 

 

 

 

 

40.9%

 

 

 

 

 

 

75.0%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(1)

This disclosure focuses on industries with balances that are significant to the portfolio at September 30, 2020 and omits industries affected by the COVID-19 pandemic (oil and gas, transportation, etc.) to which the Company has minimal or no exposure. This disclosure also excludes SBA PPP Loans, given their government guarantee.

 

 

(2)

Includes customers operating in various sectors which have been impacted by COVID-19.

 

 

(3)

Loan to value secured by real estate equals the exposure balance divided by the most recent appraised value.

 

 

(4)

Includes one loan relationship for $2.8 million that was listed on nonaccrual status at September 30, 2020, and was subsequently paid off in early October.

 

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MA 001-37780 81-1844402 10 Cabot Place Stoughton MA 02072 781 963-2100 false false false false Common Stock, par value $.01 per share RNDB NASDAQ true false XML 9 R1.htm IDEA: XBRL DOCUMENT v3.20.2
Document and Entity Information
Oct. 27, 2020
Cover [Abstract]  
Document Type 8-K
Amendment Flag false
Document Period End Date Oct. 27, 2020
Entity Registrant Name Randolph Bancorp, Inc.
Entity Central Index Key 0001667161
Entity Emerging Growth Company true
Entity Ex Transition Period false
Entity File Number 001-37780
Entity Incorporation, State or Country Code MA
Entity Tax Identification Number 81-1844402
Entity Address, Address Line One 10 Cabot Place
Entity Address, City or Town Stoughton
Entity Address, State or Province MA
Entity Address, Postal Zip Code 02072
City Area Code 781
Local Phone Number 963-2100
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Title of 12(b) Security Common Stock, par value $.01 per share
Trading Symbol RNDB
Security Exchange Name NASDAQ
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