Little Falls Bank in Little Falls, New Jersey (NJ)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 20, 1999

  • Little Falls Bank in Little Falls, New Jersey (NJ)
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Little Falls Bank - Overview

  • General
  • FDIC Certificate #: 30513
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Hudson United Bank (#12256)
    Federal Reserve ID: 182979
    Date Established: January 01, 1887
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 13180
    FDIC's unique #: 43347
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: May 06, 1952
    Last Structure Change Effective Date: May 20, 1999
    Last Structure Change Process Date: June 07, 1999
    Last Data Update: June 07, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 86 Main Street, Little Falls, NJ 7424
    County: Passaic
    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): Bergen-Passaic, NJ (#875)
    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: New York-White Plains-Wayne, NY-NJ (#35644)
  • Financial Summary
  • Total assets: $348.2 mil

1992 - 1999 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, 1998)

  • Dollar figures in thousands
  • 43Total employees (full-time equivalent)
  • $347,570Total assets
  • $6,334Cash and due from depository institutions
  • $613Interest-bearing balances
  • $149,013Securities
  • $27,000Federal funds sold & reverse repurchase agreements
  • $149,062Net loans & leases
  • $1,329Loan loss allowance
  • $0Trading account assets
  • $2,683Bank premises and fixed assets
  • $297Other real estate owned
  • $2,496Goodwill and other intangibles
  • $0Life insurance assets
  • $10,685All other assets
  • $347,569Total liabilities and capital
  • $316,295Total liabilities
  • $244,102Total deposits
  • $236,954Interest-bearing deposits
  • $244,102Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $70,550Other borrowed funds
  • $0Subordinated debt
  • $1,643All other liabilities
  • $31,274Total equity capital
  • $31,274Total bank equity capital
  • $31,274Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $14,883Undivided profits
  • Memoranda
  • $16,390Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,059Earning assets
  • $0Long-term assets (5+ years)
  • $586Average Assets, year-to-date
  • $325,688Average Assets, quarterly
  • $0Volatile liabilities
  • $343,567Insider loans
  • $342,657FHLB advances
  • $94,632Loans and leases held for sale
  • $613Unused loan commitments
  • $68,500Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $9,746Total unused commitments
  • $0Restructured Loans and leases
  • $146,611Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $22,260Total interest income
  • $15,007Total interest expense
  • $7,253Net interest income
  • $180Provision for loan and lease losses
  • $756Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $756Additional noninterest income
  • $5,490Total noninterest expense
  • $3,282Salaries and employee benefits
  • $915Premises and equipment expense
  • $1,293Additional noninterest expense
  • $2,339Pre-tax net operating income
  • $47Securities gains (losses)
  • $793Applicable income taxes
  • $1,593Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,593Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.87%Yield on earning assets
  • 4.63%Cost of funding earning assets
  • 2.24%Net interest margin
  • 0.23%Noninterest income to earning assets
  • 1.69%Noninterest expense to earning assets
  • 0.45%Net operating income to assets
  • 0.46%Return on assets (ROA)
  • 0.69%Pretax return on assets
  • 5.25%Return on equity (ROE)
  • 5.25%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 64,040Assets per employee
  • 8.08%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.88%Loss allowance to noncurrent loans
  • 125.50%Noncurrent assets plus other real estate owned to assets
  • 0.39%Noncurrent loans to loans
  • 0.70%Net loans and leases to deposits
  • 61.07%Net loans and leases to core deposits
  • 67.75%Equity capital to assets
  • 9.00%Core capital (leverage) ratio
  • 8.33%Tier 1 risk-based capital ratio
  • 19.60%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $343,567Average earning assets
  • $30,369Average equity
  • $324,090Average loans

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