Lincoln Park Savings Bank in Lincoln Park, New Jersey (NJ)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Lincoln Park Savings Bank in Lincoln Park, New Jersey (NJ)
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Lincoln Park Savings Bank - Overview

  • General
  • FDIC Certificate #: 28963
    Status: Active
    Federal Reserve ID: 930871
    Date Established: January 01, 1922
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 2694
    FDIC's unique #: 41797
    Numeric code: 41
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: May 21, 1956
    Last Structure Change Effective Date: July 16, 2007
    Last Structure Change Process Date: January 08, 2008
    Last Data Update: January 08, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 31 Boonton Turnpike, Lincoln Park, NJ 7035
    County: Morris
    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): Newark, NJ (#5640)
    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): New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
    CBSA Metro Statistical Area: New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
    Core Based Statistical Division: Newark-Union, NJ-PA (#35084)
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $182.8 mil
    Equity capital: $14.0 mil
    Deposits held in domestic offices: $103.4 mil
    Return on assets (ROA): 0.45% ($0.8 mil)
    Quarterly return on assets: 0.50% ($0.9 mil)
    Return on Equity (ROE): 5.75% ($0.8 mil)
    Quarterly return on equity: 6.53% ($0.9 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.72% ($1,316.5 mil)
    Quarterly Pretax return on assets: 0.81% ($1,481.1 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
  • 19Total employees (full-time equivalent)
  • $182,850Total assets
  • $5,317Cash and due from depository institutions
  • $4,656Interest-bearing balances
  • $99,487Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $71,010Net loans & leases
  • $346Loan loss allowance
  • $0Trading account assets
  • $2,015Bank premises and fixed assets
  • $0Other real estate owned
  • $52Goodwill and other intangibles
  • $182,850Life insurance assets
  • $4,969All other assets
  • $168,815Total liabilities and capital
  • $103,392Total liabilities
  • $99,401Total deposits
  • $103,392Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $64,423Trading liabilities
  • $0Other borrowed funds
  • $1,000Subordinated debt
  • $14,035All other liabilities
  • $14,035Total equity capital
  • $14,035Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $5,622Surplus
  • $7,913Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,503Income earned, not collected on loans
  • $0Earning assets
  • $591Long-term assets (5+ years)
  • $175,153Average Assets, year-to-date
  • $72,586Average Assets, quarterly
  • $174,569Volatile liabilities
  • $181,792Insider loans
  • $74,009FHLB advances
  • $181,314Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,078Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,620Restructured Loans and leases
  • $1,534Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,435Total interest income
  • $2,818Total interest expense
  • $4,617Net interest income
  • $120Provision for loan and lease losses
  • $6Total noninterest income
  • $0Fiduciary activities
  • $68Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$62Additional noninterest income
  • $3,241Total noninterest expense
  • $1,283Salaries and employee benefits
  • $401Premises and equipment expense
  • $1,557Additional noninterest expense
  • $1,262Pre-tax net operating income
  • $0Securities gains (losses)
  • $484Applicable income taxes
  • $778Income before extraordinary items
  • $0Extraordinary gains - net
  • $778Net income attributable to bank
  • $0Net charge-offs
  • $778Cash dividends
  • $59Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.47%Yield on earning assets
  • 1.69%Cost of funding earning assets
  • 2.77%Net interest margin
  • 0.00%Noninterest income to earning assets
  • 1.95%Noninterest expense to earning assets
  • 0.45%Net operating income to assets
  • 0.45%Return on assets (ROA)
  • 0.72%Pretax return on assets
  • 5.75%Return on equity (ROE)
  • 5.75%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 203.39%Credit loss provision to net charge-offs
  • 23.42%Efficiency ratio
  • 70,106Assets per employee
  • 9.62%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.48%Loss allowance to noncurrent loans
  • 9.88%Noncurrent assets plus other real estate owned to assets
  • 1.92%Noncurrent loans to loans
  • 4.91%Net loans and leases to deposits
  • 68.68%Net loans and leases to core deposits
  • 69.64%Equity capital to assets
  • 7.68%Core capital (leverage) ratio
  • 7.76%Tier 1 risk-based capital ratio
  • 19.02%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $174,569Average earning assets
  • $13,528Average equity
  • $166,502Average loans

List of branches

  • 2 New Jersey Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041797Lincoln Park Savings Bank31 Boonton Turnpike, Lincoln Park, NJ 7035January 01, 1922Full Service Brick and Mortar
    1364087Montville Branch193 Changebridge Road, Montville, NJ 7045September 19, 2001Full Service Brick and Mortar

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