Roma Bank in Robbinsville, New Jersey (NJ)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Roma Bank in Robbinsville, New Jersey (NJ)
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Roma Bank - Overview

  • General
  • FDIC Certificate #: 30041
    Status: Active
    Federal Reserve ID: 649070
    Date Established: January 01, 1920
    Trust Powers Granted: Yes
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 25 (Domestic: 25, Interstate: No)
    OTS Docket #: 4612
    FDIC's unique #: 42875
    Numeric code: 34
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: May 08, 1950
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 2300 Route 33, Robbinsville, NJ 8691
    County: Mercer
    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): Trenton, NJ (#8480)
    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): Trenton-Ewing, NJ (#45940)
    CBSA Metro Statistical Area: Trenton-Ewing, NJ (#45940)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $1,735.5 mil
    Equity capital: $176.6 mil
    Deposits held in domestic offices: $1,469.2 mil
    Return on assets (ROA): 0.39% ($6.8 mil)
    Quarterly return on assets: 0.35% ($6.1 mil)
    Return on Equity (ROE): 3.92% ($6.9 mil)
    Quarterly return on equity: 3.48% ($6.2 mil)
    Net income: $6.8 mil
    Quarterly Net income: $1.5 mil
    Pretax return on assets: 0.57% ($9,892.4 mil)
    Quarterly Pretax return on assets: 0.50% ($8,677.6 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
  • 312Total employees (full-time equivalent)
  • $1,735,517Total assets
  • $48,562Cash and due from depository institutions
  • $31,358Interest-bearing balances
  • $679,693Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $904,860Net loans & leases
  • $4,836Loan loss allowance
  • $0Trading account assets
  • $48,159Bank premises and fixed assets
  • $3,276Other real estate owned
  • $983Goodwill and other intangibles
  • $1,735,517Life insurance assets
  • $49,984All other assets
  • $1,558,421Total liabilities and capital
  • $1,469,248Total liabilities
  • $1,407,664Total deposits
  • $1,469,248Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 40000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $29,203Trading liabilities
  • $0Other borrowed funds
  • $19,970Subordinated debt
  • $177,096All other liabilities
  • $176,584Total equity capital
  • $176,584Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $53,259Surplus
  • $123,324Undivided profits
  • Memoranda
  • $512Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $49,649Income earned, not collected on loans
  • $0Earning assets
  • $5,969Long-term assets (5+ years)
  • $1,615,911Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $1,728,323Volatile liabilities
  • $1,757,019Insider loans
  • $873,803FHLB advances
  • $1,734,669Loans and leases held for sale
  • $28,851Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $176,248Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $124,719Restructured Loans and leases
  • $1,634Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $67,893Total interest income
  • $19,423Total interest expense
  • $48,470Net interest income
  • $4,466Provision for loan and lease losses
  • $6,013Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6,013Additional noninterest income
  • $40,311Total noninterest expense
  • $22,619Salaries and employee benefits
  • $9,653Premises and equipment expense
  • $8,039Additional noninterest expense
  • $9,706Pre-tax net operating income
  • $137Securities gains (losses)
  • $3,093Applicable income taxes
  • $6,750Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,750Net income attributable to bank
  • $0Net charge-offs
  • $6,750Cash dividends
  • $3,661Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.23%Yield on earning assets
  • 1.21%Cost of funding earning assets
  • 3.02%Net interest margin
  • 0.37%Noninterest income to earning assets
  • 2.51%Noninterest expense to earning assets
  • 0.39%Net operating income to assets
  • 0.39%Return on assets (ROA)
  • 0.57%Pretax return on assets
  • 3.92%Return on equity (ROE)
  • 3.92%Retained earnings to average equity (YTD only)
  • 0.42%Net charge-offs to loans
  • 121.99%Credit loss provision to net charge-offs
  • 3.87%Efficiency ratio
  • 73,988Assets per employee
  • 5.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.53%Loss allowance to noncurrent loans
  • 9.74%Noncurrent assets plus other real estate owned to assets
  • 3.05%Noncurrent loans to loans
  • 5.46%Net loans and leases to deposits
  • 61.59%Net loans and leases to core deposits
  • 61.59%Equity capital to assets
  • 10.17%Core capital (leverage) ratio
  • 10.16%Tier 1 risk-based capital ratio
  • 20.17%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $1,728,323Average earning assets
  • $172,152Average equity
  • $1,605,344Average loans

List of branches

  • 25 New Jersey Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042875Roma Bank2300 Route 33, Robbinsville, NJ 8691January 01, 1920Full Service Brick and Mortar
    1278415Mercerville Branch500 Route 33, Mercerville, NJ 8619January 01, 1920Full Service Brick and Mortar
    227841679 West Upper Ferry Road Branch79 W. Upper Ferry Rd., W. Trenton, NJ 8628January 01, 1920Full Service Brick and Mortar
    1002784174500 S. Broad St Branch4500 S. Broad St, Yardville, NJ 8620June 30, 1985Full Service Brick and Mortar
    101278418Whitehorse/Mercerville Rd Branch1155 Whitehorse-Mercerville Rd., Trenton, NJ 8619March 01, 1992Full Service Brick and Mortar
    102278419S Broad St Branch1450 S Broad St, Trenton, NJ 8610June 30, 1993Full Service Brick and Mortar
    103447354Hamilton Avenue Branch485 Hamilton Avenue, Trenton, NJ 8609September 21, 2005Full Service Brick and Mortar
    104447355Route 130 North Branch2150 Route 130 North, Burlington Township, NJ 8016Febuary 20, 2003Full Service Brick and Mortar
    105492401Whiting Branch451 Lacey Road, Whiting, NJ 8759January 12, 2008Full Service Brick and Mortar
    106492402Robbinsville Town Center Office2300 Route 33, Robbinsville, NJ 8691June 30, 2008Full Service Brick and Mortar
    107492403Bordentown213 Us Highway 130, Bordentown, NJ 8505January 19, 2008Full Service Brick and Mortar
    108492404Hopewell Branch84 Route 31, Pennington, NJ 8534May 03, 2008Full Service Brick and Mortar
    10946452Sterling Bank Branch3100 Route 38, Mount Laurel, NJ 8054December 07, 1990Full Service Brick and Mortar
    110289379Wexford Leas Branch1951 Route 70 East, Cherry Hill, NJ 8003September 14, 1996Full Service Brick and Mortar
    112289381Vincentown Branch52 Main Street, Vincentown, NJ 8088December 12, 1998Full Service Brick and Mortar
    113289382Maple Shade Branch124 East Main Street, Maple Shade, NJ 8052May 22, 1999Full Service Brick and Mortar
    114358244Medford Branch415 Stokes Road, Medford, NJ 8055May 13, 2000Full Service Brick and Mortar
    115453855Voorhees Branch1006 Kresson Road, Voorhees, NJ 8043November 01, 2005Full Service Brick and Mortar
    11644406Bordentown Branch789 Farnsworth Avenue, Bordentown, NJ 8505January 01, 1880Full Service Brick and Mortar
    117285248Florence Branch4 Broad Street, Florence, NJ 8518June 30, 1988Full Service Brick and Mortar
    118450689Marlton Branch320 Evesboro-Medford Road, Marlton, NJ 8053January 13, 2003Full Service Brick and Mortar
    119478885Delran Branch80 Hartford Road, Moorestown, NJ 8057June 16, 2007Full Service Brick and Mortar
    120519364Plumsted Branch400 Route 539, Cream Ridge, NJ 8514January 08, 2007Full Service Brick and Mortar
    121519365Columbus Branch23201 Columbus Road, Columbus, NJ 8022September 05, 2008Full Service Brick and Mortar
    122519366Lawrenceville Branch160 Lawrenceville-Pennington Road, Lawrenceville, NJ 8648October 24, 2008Full Service Brick and Mortar

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