Saddle River Valley Bank in Saddle River, New Jersey (NJ)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Saddle River Valley Bank in Saddle River, New Jersey (NJ)
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Saddle River Valley Bank - Overview

  • General
  • FDIC Certificate #: 57936
    Status: Active
    Federal Reserve ID: 3428276
    Date Established: June 01, 2006
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 17988
    FDIC's unique #: 431987
    Numeric code: 33
    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: Commercial Lending Specialization
    Date of Deposit Insurance: June 01, 2006
    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: 171 East Saddle River Road, Saddle River, NJ 7458
    County: Bergen
    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)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $120.2 mil
    Equity capital: $13.1 mil
    Deposits held in domestic offices: $105.9 mil
    Return on assets (ROA): -2.87% (-$3.4 mil)
    Quarterly return on assets: -2.54% (-$3.0 mil)
    Return on Equity (ROE): -19.54% (-$2.5 mil)
    Quarterly return on equity: -22.35% (-$2.9 mil)
    Net income: -$3.0 mil
    Quarterly Net income: -$0.8 mil
    Pretax return on assets: -2.87% (-$3,450.2 mil)
    Quarterly Pretax return on assets: -2.53% (-$3,041.5 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
  • 16Total employees (full-time equivalent)
  • $120,216Total assets
  • $25,955Cash and due from depository institutions
  • $22,939Interest-bearing balances
  • $36,930Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $55,146Net loans & leases
  • $578Loan loss allowance
  • $0Trading account assets
  • $1,225Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $120,218Life insurance assets
  • $960All other assets
  • $107,144Total liabilities and capital
  • $105,939Total liabilities
  • $98,660Total deposits
  • $105,939Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,205Subordinated debt
  • $13,074All other liabilities
  • $13,074Total equity capital
  • $13,074Total bank equity capital
  • $0Perpetual preferred stock
  • $10Common stock
  • $22,078Surplus
  • $-9,014Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,691Income earned, not collected on loans
  • $0Earning assets
  • $424Long-term assets (5+ years)
  • $115,015Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $103,849Volatile liabilities
  • $119,363Insider loans
  • $69,314FHLB advances
  • $120,537Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,395Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,701Restructured Loans and leases
  • $1,684Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,152Total interest income
  • $814Total interest expense
  • $3,338Net interest income
  • $174Provision for loan and lease losses
  • $328Total noninterest income
  • $0Fiduciary activities
  • $40Service charges on deposit accounts
  • $0Trading account gains & fees
  • $288Additional noninterest income
  • $6,492Total noninterest expense
  • $1,792Salaries and employee benefits
  • $708Premises and equipment expense
  • $3,992Additional noninterest expense
  • -$3,000Pre-tax net operating income
  • $21Securities gains (losses)
  • $3Applicable income taxes
  • -$2,982Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,982Net income attributable to bank
  • $0Net charge-offs
  • -$2,982Cash dividends
  • $60Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.17%Yield on earning assets
  • 0.82%Cost of funding earning assets
  • 3.36%Net interest margin
  • 0.33%Noninterest income to earning assets
  • 6.53%Noninterest expense to earning assets
  • -2.89%Net operating income to assets
  • -2.87%Return on assets (ROA)
  • -2.87%Pretax return on assets
  • -19.54%Return on equity (ROE)
  • -19.54%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 290.00%Credit loss provision to net charge-offs
  • -47.10%Efficiency ratio
  • 177,087Assets per employee
  • 7.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.04%Loss allowance to noncurrent loans
  • 34.18%Noncurrent assets plus other real estate owned to assets
  • 1.41%Noncurrent loans to loans
  • 3.03%Net loans and leases to deposits
  • 52.05%Net loans and leases to core deposits
  • 54.96%Equity capital to assets
  • 10.88%Core capital (leverage) ratio
  • 11.11%Tier 1 risk-based capital ratio
  • 19.33%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $103,849Average earning assets
  • $15,264Average equity
  • $99,488Average loans

List of branches

  • 2 New Jersey Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0431987Saddle River Valley Bank171 East Saddle River Road, Saddle River, NJ 7458June 01, 2006Full Service Brick and Mortar
    24952493 Allerman Road Branch3 Allerman Road, Oakland, NJ 7436January 28, 2009Full Service Brick and Mortar

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