Colonial Bank, FSB in Vineland, New Jersey (NJ)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Colonial Bank, FSB in Vineland, New Jersey (NJ)
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Colonial Bank, FSB - Overview

  • General
  • FDIC Certificate #: 30218
    Status: Active
    Federal Reserve ID: 941176
    Date Established: January 01, 1913
    WWW: http://www.colonialbankfsb.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 9 (Domestic: 9, Interstate: No)
    OTS Docket #: 4983
    FDIC's unique #: 43052
    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: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: May 12, 1943
    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: 2745 S. Delsea Drive, Vineland, NJ 8360
    County: Cumberland
    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): Vineland-Millville-Bridgeton, NJ (#8760)
    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): Vineland-Millville-Bridgeton, NJ (#47220)
    CBSA Metro Statistical Area: Vineland-Millville-Bridgeton, NJ (#47220)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $602.4 mil
    Equity capital: $68.1 mil
    Deposits held in domestic offices: $521.7 mil
    Return on assets (ROA): 0.59% ($3.6 mil)
    Quarterly return on assets: 0.59% ($3.6 mil)
    Return on Equity (ROE): 5.33% ($3.6 mil)
    Quarterly return on equity: 5.15% ($3.5 mil)
    Net income: $3.5 mil
    Quarterly Net income: $0.9 mil
    Pretax return on assets: 0.80% ($4,818.9 mil)
    Quarterly Pretax return on assets: 0.78% ($4,698.5 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
  • 102Total employees (full-time equivalent)
  • $602,366Total assets
  • $6,753Cash and due from depository institutions
  • $2Interest-bearing balances
  • $266,534Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $297,555Net loans & leases
  • $2,390Loan loss allowance
  • $0Trading account assets
  • $10,420Bank premises and fixed assets
  • $3,092Other real estate owned
  • $0Goodwill and other intangibles
  • $602,366Life insurance assets
  • $18,012All other assets
  • $534,242Total liabilities and capital
  • $521,748Total liabilities
  • $507,830Total deposits
  • $521,748Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $11,785Trading liabilities
  • $0Other borrowed funds
  • $709Subordinated debt
  • $68,124All other liabilities
  • $68,124Total equity capital
  • $68,124Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $33,628Surplus
  • $34,495Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,153Income earned, not collected on loans
  • $0Earning assets
  • $1,871Long-term assets (5+ years)
  • $564,091Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $594,788Volatile liabilities
  • $595,041Insider loans
  • $335,317FHLB advances
  • $596,962Loans and leases held for sale
  • $10,794Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $64,609Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $18,693Restructured Loans and leases
  • $3,257Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $24,189Total interest income
  • $7,263Total interest expense
  • $16,926Net interest income
  • $1,860Provision for loan and lease losses
  • $1,617Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,617Additional noninterest income
  • $12,139Total noninterest expense
  • $6,520Salaries and employee benefits
  • $2,752Premises and equipment expense
  • $2,867Additional noninterest expense
  • $4,544Pre-tax net operating income
  • $194Securities gains (losses)
  • $1,236Applicable income taxes
  • $3,502Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,502Net income attributable to bank
  • $0Net charge-offs
  • $3,502Cash dividends
  • $1,633Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.33%Yield on earning assets
  • 1.30%Cost of funding earning assets
  • 3.03%Net interest margin
  • 0.29%Noninterest income to earning assets
  • 2.18%Noninterest expense to earning assets
  • 0.56%Net operating income to assets
  • 0.59%Return on assets (ROA)
  • 0.80%Pretax return on assets
  • 5.33%Return on equity (ROE)
  • 5.33%Retained earnings to average equity (YTD only)
  • 0.52%Net charge-offs to loans
  • 113.90%Credit loss provision to net charge-offs
  • 3.92%Efficiency ratio
  • 65,464Assets per employee
  • 5.91%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.80%Loss allowance to noncurrent loans
  • 38.84%Noncurrent assets plus other real estate owned to assets
  • 1.53%Noncurrent loans to loans
  • 2.05%Net loans and leases to deposits
  • 57.03%Net loans and leases to core deposits
  • 57.81%Equity capital to assets
  • 11.31%Core capital (leverage) ratio
  • 10.82%Tier 1 risk-based capital ratio
  • 19.27%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $594,788Average earning assets
  • $65,732Average equity
  • $558,058Average loans

List of branches

  • 9 New Jersey Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    043052Colonial Bank, Fsb2745 S. Delsea Drive, Vineland, NJ 8360January 01, 1913Full Service Brick and Mortar
    12791731107 N High Street Branch1107 N High Street, Millville, NJ 8332January 01, 1913Full Service Brick and Mortar
    2279174Upper Deerfield Branch1245 Highway 77, Bridgeton, NJ 8302January 01, 1913Full Service Brick and Mortar
    100279175Lambs Road Branch271 Lambs Road, Sewell, NJ 8080June 30, 1988Full Service Brick and Mortar
    102464029Vineland Branch1771 S Lincoln Avenue, Vineland, NJ 8361August 17, 2000Full Service Brick and Mortar
    103464030Mantua Branch227 Bridgeton Pike, Mantua, NJ 8051July 01, 1998Full Service Brick and Mortar
    104498672W Broad St Branch85 W Broad St., Bridgeton, NJ 8302June 30, 2007Full Service Brick and Mortar
    105498673Landis Ave Branch125 W Landis Ave, Vineland, NJ 8360July 21, 2008Full Service Brick and Mortar
    106498674339 Main St Branch339 Main St, Cedarville, NJ 8311January 23, 2009Full Service Brick and Mortar

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