Cenlar FSB in Trenton, New Jersey (NJ)

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Cenlar FSB
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Primary Regulatory Agency
Financial SummaryTotal 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)
Total employees (full-time equivalent)598
Total assets$660,176
Cash and due from depository institutions$46,850
Interest-bearing balances$1,222
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$54,464
Loan loss allowance $393
Trading account assets$0
Bank premises and fixed assets$9,529
Other real estate owned$660
Goodwill and other intangibles$12,312
All other assets$40,553
Life insurance assets$660,176
Total liabilities and capital$615,419
Total liabilities$487,920
Total deposits$485,929
Interest-bearing deposits$487,920
Deposits held in domestic offices$39
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$81,000
Other borrowed funds $0
Subordinated debt $46,499
All other liabilities $44,757
Total equity capital$44,757
Total bank equity capital$44,757
Perpetual preferred stock$0
Common stock$7
Undivided profits $22,538
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $8,032
Earning assets $4,778
Long-term assets (5+ years) $2,828
Average Assets, year-to-date $551,494
Average Assets, quarterly $0
Volatile liabilities $644,939
Insider loans $678,040
FHLB advances $221,941
Loans and leases held for sale $667,682
Unused loan commitments $13,156
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $54,106
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $0
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $24,003
Total interest expense $6,595
Net interest income $17,408
Provision for loan and lease losses $414
Total noninterest income $81,664
Fiduciary activities $0
Service charges on deposit accounts $0
Trading account gains & fees -$16
Additional noninterest income $81,680
Total noninterest expense $83,730
Salaries and employee benefits $43,563
Premises and equipment expense $12,675
Additional noninterest expense $27,492
Pre-tax net operating income $14,928
Securities gains (losses) -$1,409
Applicable income taxes $369
Income before extraordinary items $13,150
Extraordinary gains - net $0
Net income attributable to bank $13,150
Net charge-offs $0
Cash dividends $13,150
Sale, conversion, retirement of capital stock, net $256
Net operating income $9,064
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.28%
Cost of funding earning assets 1.18%
Net interest margin 3.10%
Noninterest income to earning assets 14.55%
Noninterest expense to earning assets 14.92%
Net operating income to assets 2.25%
Return on assets (ROA) 2.04%
Pretax return on assets 2.10%
Return on equity (ROE) 32.61%
Retained earnings to average equity (YTD only) 10.13%
Net charge-offs to loans 0.44%
Credit loss provision to net charge-offs 161.72%
Efficiency ratio59.93%
Assets per employee$84,207
Cash dividends to net income (YTD only)1.10%
Condition Ratios (%)
Loss allowance to loans 68.93%
Loss allowance to noncurrent loans 0.72%
Noncurrent assets plus other real estate owned to assets 4.89%
Noncurrent loans to loans 1.32%
Net loans and leases to deposits14.64%
Net loans and leases to core deposits 11.16%
Equity capital to assets 13.44%
Core capital (leverage) ratio 6.78%
Tier 1 risk-based capital ratio 8.10%
Total risk-based capital ratio 24.38%
Average assets$25
Average earning assets$644,939
Average equity $40,325
Average loans $561,213
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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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