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

Manasquan Savings Bank - Overview

  • General
  • FDIC Certificate #: 30470
    Status: Active
    Federal Reserve ID: 459671
    Bank Holding Company (Regulatory Top Holder): Msb Mutual Holding Company (RSSDID: 2589714, Location: Wall Township, NJ)
    Date Established: January 01, 1874
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 5398
    FDIC's unique #: 43304
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: July 07, 1950
    Last Structure Change Effective Date: June 25, 2008
    Last Structure Change Process Date: July 01, 2008
    Last Data Update: July 01, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 2221 Landmark Place, Manasquan, NJ 8736
    County: Monmouth
    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): Monmouth-Ocean, NJ (#5190)
    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: Edison-New Brunswick, NJ (#20764)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $848.0 mil
    Equity capital: $77.4 mil
    Deposits held in domestic offices: $737.9 mil
    Return on assets (ROA): 0.45% ($3.8 mil)
    Quarterly return on assets: 0.45% ($3.8 mil)
    Return on Equity (ROE): 4.92% ($3.8 mil)
    Quarterly return on equity: 4.91% ($3.8 mil)
    Net income: $3.7 mil
    Quarterly Net income: $0.9 mil
    Pretax return on assets: 0.75% ($6,359.7 mil)
    Quarterly Pretax return on assets: 0.72% ($6,105.3 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)
  • $847,960Total assets
  • $132,168Cash and due from depository institutions
  • $129,926Interest-bearing balances
  • $175,692Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $509,623Net loans & leases
  • $5,049Loan loss allowance
  • $0Trading account assets
  • $19,159Bank premises and fixed assets
  • $304Other real estate owned
  • $366Goodwill and other intangibles
  • $847,961Life insurance assets
  • $10,648All other assets
  • $770,536Total liabilities and capital
  • $737,859Total liabilities
  • $696,152Total deposits
  • $737,859Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 21907.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,612Trading liabilities
  • $0Other borrowed funds
  • $4,158Subordinated debt
  • $77,425All other liabilities
  • $77,425Total equity capital
  • $77,425Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $0Surplus
  • $77,225Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,808Income earned, not collected on loans
  • $0Earning assets
  • $2,442Long-term assets (5+ years)
  • $815,241Average Assets, year-to-date
  • $385,548Average Assets, quarterly
  • $818,545Volatile liabilities
  • $839,050Insider loans
  • $489,489FHLB advances
  • $835,251Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $77,524Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $107,623Restructured Loans and leases
  • $6,633Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $29,568Total interest income
  • $9,663Total interest expense
  • $19,905Net interest income
  • $970Provision for loan and lease losses
  • $1,039Total noninterest income
  • $0Fiduciary activities
  • $208Service charges on deposit accounts
  • $0Trading account gains & fees
  • $831Additional noninterest income
  • $13,870Total noninterest expense
  • $7,819Salaries and employee benefits
  • $1,764Premises and equipment expense
  • $4,287Additional noninterest expense
  • $6,104Pre-tax net operating income
  • $39Securities gains (losses)
  • $2,437Applicable income taxes
  • $3,706Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,706Net income attributable to bank
  • $0Net charge-offs
  • $3,706Cash dividends
  • $632Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.77%Yield on earning assets
  • 1.23%Cost of funding earning assets
  • 2.54%Net interest margin
  • 0.13%Noninterest income to earning assets
  • 1.77%Noninterest expense to earning assets
  • 0.45%Net operating income to assets
  • 0.45%Return on assets (ROA)
  • 0.75%Pretax return on assets
  • 4.92%Return on equity (ROE)
  • 4.92%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 153.48%Credit loss provision to net charge-offs
  • 11.19%Efficiency ratio
  • 66,224Assets per employee
  • 8.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.98%Loss allowance to noncurrent loans
  • 64.66%Noncurrent assets plus other real estate owned to assets
  • 0.96%Noncurrent loans to loans
  • 1.52%Net loans and leases to deposits
  • 69.07%Net loans and leases to core deposits
  • 73.42%Equity capital to assets
  • 9.13%Core capital (leverage) ratio
  • 9.28%Tier 1 risk-based capital ratio
  • 15.84%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $818,545Average earning assets
  • $75,274Average equity
  • $784,897Average loans

List of branches

  • 8 New Jersey Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    043304Manasquan Savings Bank2221 Landmark Place, Manasquan, NJ 8736January 01, 1874Full Service Brick and Mortar
    1280472Manasquan Branch185 Main St, Manasquan, NJ 8736January 01, 1874Full Service Brick and Mortar
    100280473Bay Head Branch85 Bridge Avenue, Bay Head, NJ 8742January 01, 1874Full Service Brick and Mortar
    101364268Princeton Avenue Branch24 Princeton Avenue, Brick, NJ 8724July 19, 2002Full Service Brick and Mortar
    102418713Howell Branch167 Newton's Corner And Ramtown Road, Howell, NJ 7731November 01, 2002Full Service Brick and Mortar
    103418714Springlake Heights Branch305 Highway 71, Spring Lake, NJ 7762Febuary 04, 2003Full Service Brick and Mortar
    104474301Wall Township Branch1410 Meetinghouse @ Rte 35, Manasquan, NJ 8736May 07, 2008Full Service Brick and Mortar
    105476634Point Pleasant Branch2307 Route 88, Point Pleasant Beach, NJ 8742October 15, 2007Full Service Brick and Mortar

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