Frandsen Bank & Trust, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Frandsen Bank & Trust is a full-service community banking, trust and investment services organization with offices located throughout Minnesota, Wisconsin, and North Dakota. Frandsen Bank & Trust is a part of Frandsen Financial Corporation (FFC), a multi-bank holding company based in Arden Hills, Minn.

Frandsen Bank & Trust is a high-quality community bank and provides a wide array of banking products and services to their customers and communities; deposit accounts, loans, online banking, bill pay, eStatements, cash management, credit and check cards, electronic payments, ATMs, and trust (Wealth Management & Trust), investment management (Frandsen Investment Services), and insurance (Frandsen Insurance Services). All products and services are provided in a true community banking environment where the customer is cared for in a way that nurtures a long-term relationship.

Frandsen Bank & Trust
165 Main Street
Clinton, MN 56225
(320) 325-5401

Frandsen Bank & Trust
206 Main Street South
Hector, MN 55342
(320) 848-2222

Frandsen Bank & Trust
2001 West Broadway Avenue
Forest Lake, MN 55025
(651) 407-3300

Frandsen Bank & Trust
111 Wisconsin 35
Dresser, WI 54009
(715) 755-2174

Frandsen Bank & Trust
121 South Main Street
Braham, MN 55006
(320) 396-3377

Frandsen Bank & Trust
7429 Excelsior Road North
Baxter, MN 56425
(218) 855-1320