BNB Bank, National Association in Fort Lee, New Jersey (NJ), NY
Overview, Financial Summary, Detailed Financial Reports, Branches

  • BNB Bank, National Association in Fort Lee, New Jersey (NJ), NY
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BNB Bank, National Association - Overview

  • General
  • FDIC Certificate #: 26790
    Status: Active
    Federal Reserve ID: 609609
    Bank Holding Company (Regulatory Top Holder): Bnb Financial Services Corporation (RSSDID: 1398973, Location: New York, NY)
    Date Established: September 16, 1986
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Domestic: 4, Interstate: Yes)
    FDIC's unique #: 35939
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: September 16, 1986
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 2024 Center Avenue, Fort Lee, NJ 7024
    County: Bergen
    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): Bergen-Passaic, NJ (#875)
    Consolidated Metropolitan Statistical Area (CMSA): New York-Northern New Jersey-Long Island, NY-NJ-CT-PA (#70)
    Combined Statistical Area (CSA): New York-Newark-Bridgeport, NY-NJ-CT-PA (#408)
    Core Based Statistical Area (CBSA): New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
    CBSA Metro Statistical Area: New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
    Core Based Statistical Division: New York-White Plains-Wayne, NY-NJ (#35644)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $357.3 mil
    Equity capital: $43.2 mil
    Deposits held in domestic offices: $304.7 mil
    Return on assets (ROA): 0.29% ($1.0 mil)
    Quarterly return on assets: -0.35% (-$1.2 mil)
    Return on Equity (ROE): 2.53% ($1.1 mil)
    Quarterly return on equity: -2.91% (-$1.3 mil)
    Net income: $1.1 mil
    Quarterly Net income: -$0.3 mil
    Pretax return on assets: 0.47% ($1,679.2 mil)
    Quarterly Pretax return on assets: -0.45% (-$1,607.7 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
  • 62Total employees (full-time equivalent)
  • $357,273Total assets
  • $17,603Cash and due from depository institutions
  • $15,584Interest-bearing balances
  • $66,353Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $252,588Net loans & leases
  • $6,071Loan loss allowance
  • $0Trading account assets
  • $2,599Bank premises and fixed assets
  • $9,724Other real estate owned
  • $1,921Goodwill and other intangibles
  • $357,273Life insurance assets
  • $6,485All other assets
  • $314,055Total liabilities and capital
  • $304,673Total liabilities
  • $278,131Total deposits
  • $304,673Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 2010.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,093Trading liabilities
  • $0Other borrowed funds
  • $5,279Subordinated debt
  • $43,218All other liabilities
  • $43,218Total equity capital
  • $43,218Total bank equity capital
  • $89Perpetual preferred stock
  • $2,501Common stock
  • $21,710Surplus
  • $18,918Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $30,006Income earned, not collected on loans
  • $11,588Earning assets
  • $1,153Long-term assets (5+ years)
  • $334,525Average Assets, year-to-date
  • $67,477Average Assets, quarterly
  • $369,454Volatile liabilities
  • $362,614Insider loans
  • $243,397FHLB advances
  • $366,027Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $41,338Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,907Restructured Loans and leases
  • $1,141Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,815Total interest income
  • $5,104Total interest expense
  • $10,711Net interest income
  • $1,391Provision for loan and lease losses
  • $5,164Total noninterest income
  • $0Fiduciary activities
  • $140Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,024Additional noninterest income
  • $13,152Total noninterest expense
  • $5,293Salaries and employee benefits
  • $1,640Premises and equipment expense
  • $6,219Additional noninterest expense
  • $1,332Pre-tax net operating income
  • $414Securities gains (losses)
  • $675Applicable income taxes
  • $1,071Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,071Net income attributable to bank
  • $0Net charge-offs
  • $1,071Cash dividends
  • $3,302Sale, conversion, retirement of capital stock, net
  • $13Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.53%Yield on earning assets
  • 1.46%Cost of funding earning assets
  • 3.07%Net interest margin
  • 1.48%Noninterest income to earning assets
  • 3.77%Noninterest expense to earning assets
  • 0.22%Net operating income to assets
  • 0.29%Return on assets (ROA)
  • 0.47%Pretax return on assets
  • 2.53%Return on equity (ROE)
  • 2.50%Retained earnings to average equity (YTD only)
  • 1.20%Net charge-offs to loans
  • 42.13%Credit loss provision to net charge-offs
  • 0.82%Efficiency ratio
  • 82,847Assets per employee
  • 5.76%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 1.21%Loss allowance to loans
  • 2.35%Loss allowance to noncurrent loans
  • 20.23%Noncurrent assets plus other real estate owned to assets
  • 11.12%Noncurrent loans to loans
  • 11.60%Net loans and leases to deposits
  • 82.90%Net loans and leases to core deposits
  • 89.65%Equity capital to assets
  • 12.10%Core capital (leverage) ratio
  • 11.29%Tier 1 risk-based capital ratio
  • 16.98%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $369,454Average earning assets
  • $42,370Average equity
  • $348,891Average loans

List of branches

  • 3 New Jersey Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    035939Bnb Bank, National Association2024 Center Avenue, Fort Lee, NJ 7024September 16, 1986Full Service Brick and Mortar
    5436972Palisades Park Branch136 Broad Avenue, Palisades Park, NJ 7650November 15, 2004Full Service Brick and Mortar
    6441468Loan Production Office Branch562 Old Post Road, Edison, NJ 8817June 01, 2005Limited Service Loan Production
  • 1 New York Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    3423227Fifth Avenue Branch250 Fifth Avenue, New York, NY 10001September 23, 2003Full Service Brick and Mortar

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