Cenlar FSB in Trenton, New Jersey (NJ)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Cenlar FSB in Trenton, New Jersey (NJ)
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Cenlar FSB - Overview

  • General
  • FDIC Certificate #: 30996
    Status: Active
    Federal Reserve ID: 934271
    Date Established: January 01, 1912
    WWW: http://www.cenlar.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 6230
    FDIC's unique #: 43830
    Numeric code: 33
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: June 13, 1958
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 425 Phillips Boulevard, Trenton, NJ 8618
    County: Mercer
    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): Trenton, NJ (#8480)
    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): Trenton-Ewing, NJ (#45940)
    CBSA Metro Statistical Area: Trenton-Ewing, NJ (#45940)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $660.2 mil
    Equity capital: $44.8 mil
    Deposits held in domestic offices: $487.9 mil
    Return on assets (ROA): 2.04% ($13.5 mil)
    Quarterly return on assets: 1.27% ($8.4 mil)
    Return on Equity (ROE): 32.61% ($14.7 mil)
    Quarterly return on equity: 19.60% ($8.8 mil)
    Net income: $13.2 mil
    Quarterly Net income: $2.2 mil
    Pretax return on assets: 2.10% ($13,863.7 mil)
    Quarterly Pretax return on assets: 1.36% ($8,978.4 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
  • 598Total employees (full-time equivalent)
  • $660,176Total assets
  • $46,850Cash and due from depository institutions
  • $1,222Interest-bearing balances
  • $495,808Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $54,464Net loans & leases
  • $393Loan loss allowance
  • $0Trading account assets
  • $9,529Bank premises and fixed assets
  • $660Other real estate owned
  • $12,312Goodwill and other intangibles
  • $660,176Life insurance assets
  • $40,553All other assets
  • $615,419Total liabilities and capital
  • $487,920Total liabilities
  • $485,929Total deposits
  • $487,920Interest-bearing deposits
  • $39Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $81,000Trading liabilities
  • $0Other borrowed funds
  • $46,499Subordinated debt
  • $44,757All other liabilities
  • $44,757Total equity capital
  • $44,757Total bank equity capital
  • $0Perpetual preferred stock
  • $7Common stock
  • $22,212Surplus
  • $22,538Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,032Income earned, not collected on loans
  • $4,778Earning assets
  • $2,828Long-term assets (5+ years)
  • $551,494Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $644,939Volatile liabilities
  • $678,040Insider loans
  • $221,941FHLB advances
  • $667,682Loans and leases held for sale
  • $13,156Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $54,106Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $24,003Total interest income
  • $6,595Total interest expense
  • $17,408Net interest income
  • $414Provision for loan and lease losses
  • $81,664Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • -$16Trading account gains & fees
  • $81,680Additional noninterest income
  • $83,730Total noninterest expense
  • $43,563Salaries and employee benefits
  • $12,675Premises and equipment expense
  • $27,492Additional noninterest expense
  • $14,928Pre-tax net operating income
  • -$1,409Securities gains (losses)
  • $369Applicable income taxes
  • $13,150Income before extraordinary items
  • $0Extraordinary gains - net
  • $13,150Net income attributable to bank
  • $0Net charge-offs
  • $13,150Cash dividends
  • $256Sale, conversion, retirement of capital stock, net
  • $9,064Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.28%Yield on earning assets
  • 1.18%Cost of funding earning assets
  • 3.10%Net interest margin
  • 14.55%Noninterest income to earning assets
  • 14.92%Noninterest expense to earning assets
  • 2.25%Net operating income to assets
  • 2.04%Return on assets (ROA)
  • 2.10%Pretax return on assets
  • 32.61%Return on equity (ROE)
  • 10.13%Retained earnings to average equity (YTD only)
  • 0.44%Net charge-offs to loans
  • 161.72%Credit loss provision to net charge-offs
  • 59.93%Efficiency ratio
  • 84,207Assets per employee
  • 1.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 68.93%Loss allowance to loans
  • 0.72%Loss allowance to noncurrent loans
  • 4.89%Noncurrent assets plus other real estate owned to assets
  • 1.32%Noncurrent loans to loans
  • 14.64%Net loans and leases to deposits
  • 11.16%Net loans and leases to core deposits
  • 13.44%Equity capital to assets
  • 6.78%Core capital (leverage) ratio
  • 8.10%Tier 1 risk-based capital ratio
  • 24.38%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $644,939Average earning assets
  • $40,325Average equity
  • $561,213Average loans

List of branches

  • 1 New Jersey Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    043830Cenlar Fsb425 Phillips Boulevard, Trenton, NJ 8618January 01, 1912Full Service Brick and Mortar

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