Fulton Bank of New Jersey in Mount Laurel, New Jersey (NJ)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Fulton Bank of New Jersey in Mount Laurel, New Jersey (NJ)
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Fulton Bank of New Jersey - Overview

  • General
  • FDIC Certificate #: 27614
    Status: Active
    Federal Reserve ID: 1407932
    Bank Holding Company (Regulatory Top Holder): Fulton Financial Corporation (RSSDID: 1117129, Location: Lancaster, PA)
    Date Established: October 30, 1989
    WWW: http://www.fultonbanknj.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 74 (Domestic: 74, Interstate: No)
    OTS Docket #: 11970
    FDIC's unique #: 40448
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 30, 1989
    Last Structure Change Effective Date: January 01, 2012
    Last Structure Change Process Date: Febuary 08, 2012
    Last Data Update: Febuary 08, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 533 Fellowship Road, Mount Laurel, NJ 8054
    County: Burlington
    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): Philadelphia, PA-NJ (#6160)
    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): Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    CBSA Metro Statistical Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    Core Based Statistical Division: Camden, NJ (#15804)
  • Financial Summary
  • Total assets: $3,408.9 mil
    Equity capital: $465.5 mil
    Deposits held in domestic offices: $2,816.1 mil
    Return on assets (ROA): -0.12% (-$4.1 mil)
    Quarterly return on assets: 0.03% ($1.0 mil)
    Return on Equity (ROE): -0.91% (-$4.2 mil)
    Quarterly return on equity: 0.23% ($1.1 mil)
    Net income: -$4.2 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: -0.23% (-$7,840.5 mil)
    Quarterly Pretax return on assets: -0.01% (-$340.9 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
  • 565Total employees (full-time equivalent)
  • $3,408,927Total assets
  • $73,876Cash and due from depository institutions
  • $8,294Interest-bearing balances
  • $514,010Securities
  • $156,827Federal funds sold & reverse repurchase agreements
  • $2,277,597Net loans & leases
  • $92,446Loan loss allowance
  • $0Trading account assets
  • $61,173Bank premises and fixed assets
  • $6,406Other real estate owned
  • $174,188Goodwill and other intangibles
  • $3,408,927Life insurance assets
  • $144,850All other assets
  • $2,943,465Total liabilities and capital
  • $2,816,083Total liabilities
  • $2,279,502Total deposits
  • $2,816,083Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 35165.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $48,419Trading liabilities
  • $18,000Other borrowed funds
  • $25,798Subordinated debt
  • $465,462All other liabilities
  • $465,462Total equity capital
  • $465,462Total bank equity capital
  • $0Perpetual preferred stock
  • $24,297Common stock
  • $332,324Surplus
  • $108,841Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $4,871Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $99,774Income earned, not collected on loans
  • $0Earning assets
  • $11,372Long-term assets (5+ years)
  • $2,956,728Average Assets, year-to-date
  • $479,383Average Assets, quarterly
  • $3,436,449Volatile liabilities
  • $3,418,155Insider loans
  • $2,517,262FHLB advances
  • $3,280,536Loans and leases held for sale
  • $12,662Unused loan commitments
  • $12,662Tier 1 (core) risk-based capital
  • $284,334Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $471,012Restructured Loans and leases
  • $30,684Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $148,120Total interest income
  • $21,238Total interest expense
  • $126,882Net interest income
  • $71,941Provision for loan and lease losses
  • $28,901Total noninterest income
  • $0Fiduciary activities
  • $12,664Service charges on deposit accounts
  • $0Trading account gains & fees
  • $16,237Additional noninterest income
  • $93,634Total noninterest expense
  • $31,146Salaries and employee benefits
  • $14,611Premises and equipment expense
  • $47,877Additional noninterest expense
  • -$9,792Pre-tax net operating income
  • $1,749Securities gains (losses)
  • -$3,857Applicable income taxes
  • -$4,186Income before extraordinary items
  • $0Extraordinary gains - net
  • -$4,186Net income attributable to bank
  • $0Net charge-offs
  • -$4,186Cash dividends
  • $43,618Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.86%Yield on earning assets
  • 0.70%Cost of funding earning assets
  • 4.17%Net interest margin
  • 0.95%Noninterest income to earning assets
  • 3.07%Noninterest expense to earning assets
  • -0.15%Net operating income to assets
  • -0.12%Return on assets (ROA)
  • -0.23%Pretax return on assets
  • -0.91%Return on equity (ROE)
  • -0.91%Retained earnings to average equity (YTD only)
  • 1.82%Net charge-offs to loans
  • 164.93%Credit loss provision to net charge-offs
  • 1.42%Efficiency ratio
  • 59,082Assets per employee
  • 6.03%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.90%Loss allowance to noncurrent loans
  • 92.66%Noncurrent assets plus other real estate owned to assets
  • 3.12%Noncurrent loans to loans
  • 4.21%Net loans and leases to deposits
  • 80.88%Net loans and leases to core deposits
  • 84.76%Equity capital to assets
  • 13.65%Core capital (leverage) ratio
  • 8.67%Tier 1 risk-based capital ratio
  • 11.30%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $3,436,449Average earning assets
  • $458,502Average equity
  • $3,045,425Average loans

List of branches

  • 74 New Jersey Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    040448Fulton Bank Of New Jersey533 Fellowship Road, Mount Laurel, NJ 8054October 30, 1989Full Service Brick and Mortar
    1262351Pitman Branch111 Ballard Avenue, Pitman, NJ 8071July 01, 1991Full Service Brick and Mortar
    2262352East Greenwich Branch412 Kings Highway, East Greenwich, NJ 8056December 31, 1991Full Service Brick and Mortar
    3262353National Park Branch207 North Grove Road, National Park, NJ 8063December 31, 1991Full Service Brick and Mortar
    4262354Mantua Branch200 Bridgeton Pike, Mantua, NJ 8051March 20, 1995Full Service Brick and Mortar
    6262355Echo Plaza Branch308 Hurfville-Cross Keys Road, Sewell, NJ 8080November 13, 1995Full Service Brick and Mortar
    7262356Washingtown Twp Branch303 Egg Harbor Rd., Sewell, NJ 8080August 05, 1996Full Service Brick and Mortar
    10334376Bellmawr Branch301 West Browning Road, Bellmawr, NJ 8031April 26, 2000Full Service Brick and Mortar
    11285934Paulsboro Branch653 W. Broad Street, Paulsboro, NJ 8066June 26, 1993Full Service Brick and Mortar
    1216056Clayton Branch35 North Delsea Drive, Clayton, NJ 8312September 01, 1979Full Service Brick and Mortar
    13364241Cherry Hill Branch1460 Route 70 East, Cherry Hill, NJ 8002May 20, 2002Full Service Brick and Mortar
    144355Woodstown Branch1 South Main Street, Woodstown, NJ 8098June 28, 1920Full Service Brick and Mortar
    15210536Alloway BranchGreenwich Street And Friesburg Road, Alloway, NJ 8001Febuary 10, 1966Full Service Brick and Mortar
    16210537Sharptown BranchKings Hwy & Us Rte 40, Pilesgrove, NJ 8098March 28, 1977Full Service Brick and Mortar
    17210538Swedesboro-Woolwich Branch179 Kings Highway, Woolwich Township, NJ 8085December 03, 1984Full Service Brick and Mortar
    18210539Mannington Branch125 Salem-Woodstown Road, Salem, NJ 8079December 15, 1993Full Service Brick and Mortar
    19235717Beckett Branch22 Village Center Rd, Swedesboro, NJ 8085August 14, 1978Full Service Brick and Mortar
    2244605Pennsville Branch125 South Broadway, Pennsville, NJ 8070January 01, 1911Full Service Brick and Mortar
    24282447Carneys Point Branch221 Shell Road, Carneys Point, NJ 8069January 01, 1928Full Service Brick and Mortar
    26279154Elmer BranchMain Street And Harding Highway, Elmer, NJ 8318June 30, 1987Full Service Brick and Mortar
    27279134Absecon Branch610 Mill Road, Absecon, NJ 8201January 01, 1942Full Service Brick and Mortar
    30277877Rosenhayan Branch755 Morton Avenue, Bridgeton, NJ 8302September 04, 1998Full Service Brick and Mortar
    31438866Berlin Branch201 N. Route 73, West Berlin, NJ 8091March 07, 2005Full Service Brick and Mortar
    32442348Galloway Branch215 Jimmie Leeds Road, Galloway, NJ 8205June 02, 2005Full Service Brick and Mortar
    33442349Kings Highway Branch514 Kings Highway, Cherry Hill, NJ 8034April 25, 2005Full Service Brick and Mortar
    34450372Voorhees Branch6 Berlin Road, Voorhees, NJ 8043March 13, 2006Full Service Brick and Mortar
    35457654Williamstown Branch315 S Black Horse Pike, Williamstown, NJ 8094November 20, 2006Full Service Brick and Mortar
    36457657Haddonfield Branch17 Kings Highway West, Haddonfield, NJ 8033December 18, 2006Full Service Brick and Mortar
    3745588Windsor Branch1386 Route 130, Windsor, NJ 8561November 30, 1989Full Service Brick and Mortar
    38288965Allentown Branch20 North Main Street, Allentown, NJ 8501June 01, 1992Full Service Brick and Mortar
    39288966West Windsor Branch774 Alexander Road, Princeton, NJ 8543May 23, 1994Full Service Brick and Mortar
    40288967Freehold Township Branch2 Village Center Drive, Freehold, NJ 7728May 01, 1995Full Service Brick and Mortar
    41288968Applewood Branch4301 Applewood Drive, Freehold, NJ 7728December 05, 1995Limited Service Facility
    43288970Jackson Branch139 Manhattan Street, Jackson, NJ 8527September 27, 1996Full Service Retail
    44288971Manchester Branch500 Rt 530, Whiting, NJ 8759March 17, 1999Full Service Brick and Mortar
    45288972East Windsor Branch304 Hightstown-Princeton Rd, East Windsor, NJ 8520May 01, 1999Full Service Brick and Mortar
    46288973Kennedy Boulevard205 East Kennedy Boulevard, Lakewood, NJ 8701January 04, 2000Full Service Brick and Mortar
    47362039Hamilton Branch2460 Whitehorse-Hamilton Square Road, Hamilton, NJ 8690October 15, 2000Full Service Brick and Mortar
    48365099Plumsted Branch605 Route 539, Cream Ridge, NJ 8514June 03, 2002Full Service Brick and Mortar
    49423402Hamilton Marketplace Branch130 Marketplace Boulevard, Hamilton, NJ 8691October 29, 2003Full Service Retail
    51424710Marlboro Branch2 Ryan Road, Marlboro, NJ 7746October 01, 2003Full Service Brick and Mortar
    53478974Marlton Branch195 Greentree Road, Marlton, NJ 8053March 17, 2008Full Service Brick and Mortar
    54489498Winslow Branch528 Berlin-Cross Keys Road, Sicklerville, NJ 8081Febuary 02, 2009Full Service Brick and Mortar
    55493140Mullica Hill Branch153 Bridgeton Pike, Mullica Hill, NJ 8062November 17, 2008Full Service Brick and Mortar
    56493827Egg Harbor Twp Branch4004 English Creek Rd, Egg Harbor Township, NJ 8234April 05, 2009Full Service Brick and Mortar
    57495117Northfield Branch1101 Tilton Road, Northfield, NJ 8225September 14, 2009Full Service Brick and Mortar
    58495176Hainesport Branch1302 Route 28, Hainesport, NJ 8036July 06, 2009Full Service Brick and Mortar
    5946376Skylanda Community Bank Branch425 Main Street, Chester, NJ 7930October 09, 1990Full Service Brick and Mortar
    60266956Netcong Branch9 Ledgewood Avenue, Netcong, NJ 7857January 01, 1908Full Service Brick and Mortar
    61289263Roxbury Branch274 Route 10, Succasunna, NJ 7876December 18, 1995Full Service Brick and Mortar
    62289264Oxford Branch157 Route 31 N, Oxford, NJ 7863April 01, 1996Full Service Brick and Mortar
    63237419Jefferson Township Branch15 South Plaza, Lake Hopatcong, NJ 7849December 19, 1988Full Service Brick and Mortar
    64289265Byram Branch90-80 Route 206, Stanhope, NJ 7874June 11, 1998Full Service Retail
    65289266Rockaway Branch272 Route 46, Rockaway, NJ 7866December 28, 1998Full Service Brick and Mortar
    66357926Crossroads Branch24-26 Crossroads Center, Route 517, Hackettstown, NJ 7840Febuary 22, 2000Full Service Brick and Mortar
    67430131Kingwood Branch1012 State Highway 12, Baptistown, NJ 8803October 06, 2003Full Service Brick and Mortar
    68433582Lopatcong Branch201 Strykers Road, Suite 20, Phillipsburg, NJ 8865September 15, 2004Full Service Brick and Mortar
    69446978Landing Office Branch118 Lakeside Blvd., Landing, NJ 7850January 06, 2006Full Service Brick and Mortar
    70232473Hope Township Branch419 Route 521, Hope, NJ 7844July 12, 1982Full Service Brick and Mortar
    7147420Somerville Branch103 West End Avenue, Somerville, NJ 8876December 19, 1991Full Service Brick and Mortar
    72289730Hillsborough Branch601 Hwy 206, Unit 46, Hillsborough, NJ 8844Febuary 05, 1996Full Service Brick and Mortar
    73289731Bridgewater Branch481 North Bridge Street, Bridgewater, NJ 8807July 21, 1997Full Service Brick and Mortar
    74289733Arbor Glen Cont. Care Ret. Branch100 Monroe Street, Bridgewater, NJ 8807Febuary 11, 1998Full Service Brick and Mortar
    75289734Manville Branch40 No Main St, Manville, NJ 8835March 22, 1999Full Service Brick and Mortar
    76289735Bernards Branch578 Allen Road, Basking Ridge, NJ 7920Febuary 22, 2000Full Service Brick and Mortar
    77360204Edison Branch1943 Oak Tree Road, Edison, NJ 8820May 07, 2001Full Service Brick and Mortar
    78365505Warren Branch34 Mountain Boulevard, Warren, NJ 7059September 09, 2002Full Service Brick and Mortar
    80433551Metuchen Branch700 Middlesex Avenue, Metuchen, NJ 8840December 13, 2004Full Service Brick and Mortar
    81445204Flemington Branch194 Route 31 North, Flemington, NJ 8822August 22, 2005Full Service Brick and Mortar
    82455417Somerville Drive Through Branch50 West End Avenue, Somerville, NJ 8876August 01, 2006Limited Service Facility
    83455418South Plainfield Branch4900 Hadley Center Drive, South Plainfield, NJ 7080July 17, 2006Full Service Brick and Mortar
    84470296Chester Borough Branch510 Main St, Chester, NJ 7930December 12, 2007Full Service Brick and Mortar
    85470610Talmadge Road Branch112 Talmadge Road, Edison, NJ 8817July 02, 2007Full Service Brick and Mortar
    86527937Park Avenue Branch100 Park Avenue, Woodbury, NJ 8096March 22, 2010Limited Service Administrative

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