Inter-Boro Savings and Loan Association in Cherry Hill, New Jersey (NJ)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 14, 1998

  • Inter-Boro Savings and Loan Association in Cherry Hill, New Jersey (NJ)
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Inter-Boro Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 30055
    Status: Inactive
    Closing history: Absorption - Without Assistance
    Acquiring institution: Hudson United Bank (#12256)
    Federal Reserve ID: 982478
    Date Established: April 01, 1939
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 4650
    FDIC's unique #: 42889
    Numeric code: 35
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: Yes
    Date of Deposit Insurance: May 02, 1939
    Last Structure Change Effective Date: August 14, 1998
    Last Structure Change Process Date: September 02, 1998
    Last Data Update: September 02, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 1909 E. Marlton Pike, Cherry Hill, NJ 8034
    County: Camden
    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: $736.1 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 132Total employees (full-time equivalent)
  • $727,786Total assets
  • $15,206Cash and due from depository institutions
  • $10,462Interest-bearing balances
  • $460,770Securities
  • $17,600Federal funds sold & reverse repurchase agreements
  • $217,185Net loans & leases
  • $1,122Loan loss allowance
  • $0Trading account assets
  • $6,689Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $10,336All other assets
  • $727,786Total liabilities and capital
  • $599,433Total liabilities
  • $561,994Total deposits
  • $559,690Interest-bearing deposits
  • $561,994Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $33,083Other borrowed funds
  • $0Subordinated debt
  • $4,356All other liabilities
  • $128,353Total equity capital
  • $128,353Total bank equity capital
  • $128,353Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $63,293Undivided profits
  • Memoranda
  • $65,059Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $825Earning assets
  • $0Long-term assets (5+ years)
  • $1,002Average Assets, year-to-date
  • $706,017Average Assets, quarterly
  • $0Volatile liabilities
  • $735,467Insider loans
  • $731,026FHLB advances
  • $80,939Loans and leases held for sale
  • $308Unused loan commitments
  • $33,083Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $7,226Total unused commitments
  • $0Restructured Loans and leases
  • $208,394Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $51,199Total interest income
  • $29,117Total interest expense
  • $22,082Net interest income
  • $30Provision for loan and lease losses
  • $1,257Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,257Additional noninterest income
  • $13,788Total noninterest expense
  • $10,269Salaries and employee benefits
  • $1,800Premises and equipment expense
  • $1,719Additional noninterest expense
  • $9,521Pre-tax net operating income
  • $0Securities gains (losses)
  • $3,318Applicable income taxes
  • $6,203Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,203Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $4Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.20%Yield on earning assets
  • 4.10%Cost of funding earning assets
  • 3.11%Net interest margin
  • 0.18%Noninterest income to earning assets
  • 1.94%Noninterest expense to earning assets
  • 0.84%Net operating income to assets
  • 0.84%Return on assets (ROA)
  • 1.29%Pretax return on assets
  • 4.91%Return on equity (ROE)
  • 4.91%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 750.00%Credit loss provision to net charge-offs
  • 2387.75%Efficiency ratio
  • 59,077Assets per employee
  • 5.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.51%Loss allowance to noncurrent loans
  • 136.00%Noncurrent assets plus other real estate owned to assets
  • 0.11%Noncurrent loans to loans
  • 0.38%Net loans and leases to deposits
  • 38.65%Net loans and leases to core deposits
  • 42.24%Equity capital to assets
  • 17.64%Core capital (leverage) ratio
  • 17.48%Tier 1 risk-based capital ratio
  • 60.86%Total risk-based capital ratio
  • Memoranda
  • $61Average assets
  • $735,467Average earning assets
  • $126,250Average equity
  • $710,918Average loans

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