Audubon Savings Bank in Audubon, New Jersey (NJ)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Audubon Savings Bank in Audubon, New Jersey (NJ)
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Audubon Savings Bank - Overview

  • General
  • FDIC Certificate #: 28191
    Status: Active
    Federal Reserve ID: 820178
    Date Established: January 01, 1904
    WWW: http://www.audubonsavings.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 1098
    FDIC's unique #: 41025
    Numeric code: 42
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: July 03, 1972
    Last Structure Change Effective Date: September 29, 2010
    Last Structure Change Process Date: September 29, 2010
    Last Data Update: September 29, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 515 S White Horse Pike, Audubon, NJ 8106
    County: Camden
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Jamesburg
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Philadelphia, PA-NJ (#6160)
    Consolidated Metropolitan Statistical Area (CMSA): Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD (#77)
    Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
    Core Based Statistical Area (CBSA): Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    CBSA Metro Statistical Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    Core Based Statistical Division: Camden, NJ (#15804)
  • Financial Summary
  • Total assets: $203.5 mil
    Equity capital: $12.6 mil
    Deposits held in domestic offices: $125.5 mil
    Return on assets (ROA): 0.07% ($0.1 mil)
    Quarterly return on assets: 0.24% ($0.5 mil)
    Return on Equity (ROE): 1.20% ($0.2 mil)
    Quarterly return on equity: 4.00% ($0.5 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.07% ($142.4 mil)
    Quarterly Pretax return on assets: 0.36% ($732.6 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 29Total employees (full-time equivalent)
  • $203,488Total assets
  • $17,374Cash and due from depository institutions
  • $16,757Interest-bearing balances
  • $45,031Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $121,442Net loans & leases
  • $685Loan loss allowance
  • $0Trading account assets
  • $9,715Bank premises and fixed assets
  • $1,440Other real estate owned
  • $0Goodwill and other intangibles
  • $203,488Life insurance assets
  • $8,486All other assets
  • $190,899Total liabilities and capital
  • $125,477Total liabilities
  • $117,776Total deposits
  • $125,477Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 37000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $26,500Trading liabilities
  • $0Other borrowed funds
  • $1,922Subordinated debt
  • $12,589All other liabilities
  • $12,589Total equity capital
  • $12,589Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $12,360Surplus
  • $229Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $75Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,593Income earned, not collected on loans
  • $0Earning assets
  • $713Long-term assets (5+ years)
  • $183,230Average Assets, year-to-date
  • $92,416Average Assets, quarterly
  • $207,422Volatile liabilities
  • $204,331Insider loans
  • $125,386FHLB advances
  • $205,150Loans and leases held for sale
  • $3,814Unused loan commitments
  • $3,814Tier 1 (core) risk-based capital
  • $12,508Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,056Restructured Loans and leases
  • $1,775Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,594Total interest income
  • $3,874Total interest expense
  • $5,720Net interest income
  • $431Provision for loan and lease losses
  • $450Total noninterest income
  • $0Fiduciary activities
  • $58Service charges on deposit accounts
  • $0Trading account gains & fees
  • $392Additional noninterest income
  • $5,594Total noninterest expense
  • $2,778Salaries and employee benefits
  • $846Premises and equipment expense
  • $1,970Additional noninterest expense
  • $145Pre-tax net operating income
  • $0Securities gains (losses)
  • -$3Applicable income taxes
  • $148Income before extraordinary items
  • $0Extraordinary gains - net
  • $148Net income attributable to bank
  • $0Net charge-offs
  • $148Cash dividends
  • $395Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.14%Yield on earning assets
  • 2.08%Cost of funding earning assets
  • 3.07%Net interest margin
  • 0.24%Noninterest income to earning assets
  • 3.00%Noninterest expense to earning assets
  • 0.07%Net operating income to assets
  • 0.07%Return on assets (ROA)
  • 0.07%Pretax return on assets
  • 1.20%Return on equity (ROE)
  • 1.20%Retained earnings to average equity (YTD only)
  • 0.31%Net charge-offs to loans
  • 109.11%Credit loss provision to net charge-offs
  • 1.46%Efficiency ratio
  • 90,665Assets per employee
  • 7.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.56%Loss allowance to noncurrent loans
  • 43.00%Noncurrent assets plus other real estate owned to assets
  • 1.49%Noncurrent loans to loans
  • 1.30%Net loans and leases to deposits
  • 96.78%Net loans and leases to core deposits
  • 97.41%Equity capital to assets
  • 6.19%Core capital (leverage) ratio
  • 6.10%Tier 1 risk-based capital ratio
  • 9.98%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $207,422Average earning assets
  • $12,371Average equity
  • $186,477Average loans

List of branches

  • 3 New Jersey Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041025Audubon Savings Bank515 S White Horse Pike, Audubon, NJ 8106January 01, 1904Full Service Brick and Mortar
    1363124Erial Road Branch701 Erial Road, Pine Hill, NJ 8021January 28, 2002Full Service Brick and Mortar
    2364132Mount Laurel Branch5039 Church Road, Mount Laurel, NJ 8054December 27, 1999Full Service Brick and Mortar

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