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
No
ID
Name
Address
Established
Service Type
Map
0
43830
Cenlar Fsb
425 Phillips Boulevard, Trenton, NJ 8618
January 01, 1912
Full Service Brick and Mortar
Comment about this bank, ask questions, or add new information about it:
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Cenlar FSB.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: