Mellon PSFS (NJ) National Association in Voorhees Township, New Jersey (NJ)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 23, 1996

  • Mellon PSFS (NJ) National Association in Voorhees Township, New Jersey (NJ)
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Mellon PSFS (NJ) National Association - Overview

  • General
  • FDIC Certificate #: 21183
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: BNY Mellon, National Association (#7946)
    Federal Reserve ID: 240217
    Date Established: August 06, 1973
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 12 (Interstate: No)
    FDIC's unique #: 14646
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: August 06, 1973
    Last Structure Change Effective Date: November 23, 1996
    Last Structure Change Process Date: November 29, 1996
    Last Data Update: November 29, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 1101 White Horse Road, Voorhees Township, NJ 8043
    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: $240.3 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $103Total assets
  • $189,922Cash and due from depository institutions
  • $8,250Interest-bearing balances
  • $0Securities
  • $3,921Federal funds sold & reverse repurchase agreements
  • $18,225Net loans & leases
  • $131,609Loan loss allowance
  • $5,495Trading account assets
  • $0Bank premises and fixed assets
  • $5,331Other real estate owned
  • $473Goodwill and other intangibles
  • $4,390Life insurance assets
  • $17,723All other assets
  • $0Total liabilities and capital
  • $189,922Total liabilities
  • $152,182Total deposits
  • $149,219Interest-bearing deposits
  • $113,776Deposits held in domestic offices
  • 149219.00%% insured (estimated)
  • $96Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $2,963Total equity capital
  • $2,963Total bank equity capital
  • $37,740Perpetual preferred stock
  • $0Common stock
  • $4,656Surplus
  • $39,663Undivided profits
  • Memoranda
  • $-6,579Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $10,158Income earned, not collected on loans
  • $1,366Earning assets
  • $153,755Long-term assets (5+ years)
  • $24,280Average Assets, year-to-date
  • $197,636Average Assets, quarterly
  • $187,687Volatile liabilities
  • $3,713Insider loans
  • $25FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $11,702Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $17,208Total risk weighted assets
  • $99,560Total unused commitments
  • $0Restructured Loans and leases
  • $20,000Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $13,104Total interest expense
  • $3,856Net interest income
  • $9,248Provision for loan and lease losses
  • $3,769Total noninterest income
  • $1,805Fiduciary activities
  • $0Service charges on deposit accounts
  • $1,168Trading account gains & fees
  • $0Additional noninterest income
  • $637Total noninterest expense
  • $9,384Salaries and employee benefits
  • $3,223Premises and equipment expense
  • $1,032Additional noninterest expense
  • $5,129Pre-tax net operating income
  • -$2,100Securities gains (losses)
  • $0Applicable income taxes
  • -$317Income before extraordinary items
  • -$1,783Extraordinary gains - net
  • $0Net income attributable to bank
  • -$1,783Net charge-offs
  • $6,597Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.19%Cost of funding earning assets
  • 2.41%Net interest margin
  • 5.78%Noninterest income to earning assets
  • 1.13%Noninterest expense to earning assets
  • 5.86%Net operating income to assets
  • -0.90%Return on assets (ROA)
  • -0.90%Pretax return on assets
  • -1.06%Return on equity (ROE)
  • -4.62%Retained earnings to average equity (YTD only)
  • -4.62%Net charge-offs to loans
  • 4.62%Credit loss provision to net charge-offs
  • 57.13%Efficiency ratio
  • 73,862Assets per employee
  • 1.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.01%Loss allowance to noncurrent loans
  • 54.10%Noncurrent assets plus other real estate owned to assets
  • 5.60%Noncurrent loans to loans
  • 7.41%Net loans and leases to deposits
  • 88.20%Net loans and leases to core deposits
  • 90.45%Equity capital to assets
  • 19.87%Core capital (leverage) ratio
  • 10.34%Tier 1 risk-based capital ratio
  • 17.28%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $197,636Average earning assets
  • $38,590Average equity
  • $160,031Average loans

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