The Bank of Princeton in Princeton, New Jersey (NJ), PA
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The Bank of Princeton in Princeton, New Jersey (NJ), PA
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The Bank of Princeton - Overview

  • General
  • FDIC Certificate #: 58513
    Status: Active
    Federal Reserve ID: 3595271
    Date Established: April 23, 2007
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 11 (Domestic: 11, Interstate: Yes)
    FDIC's unique #: 455079
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: 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: Commercial Lending Specialization
    Date of Deposit Insurance: April 23, 2007
    Last Structure Change Effective Date: April 03, 2012
    Last Structure Change Process Date: April 03, 2012
    Last Data Update: April 03, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 183 Bayard Lane, Princeton, NJ 8540
    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)
  • Financial Summary
  • Total assets: $664.9 mil
    Equity capital: $54.3 mil
    Deposits held in domestic offices: $595.6 mil
    Return on assets (ROA): 0.50% ($3.3 mil)
    Quarterly return on assets: 0.52% ($3.5 mil)
    Return on Equity (ROE): 6.15% ($3.3 mil)
    Quarterly return on equity: 6.40% ($3.5 mil)
    Net income: $2.8 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 0.69% ($4,587.6 mil)
    Quarterly Pretax return on assets: 0.57% ($3,789.8 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
  • 107Total employees (full-time equivalent)
  • $664,871Total assets
  • $59,216Cash and due from depository institutions
  • $50,368Interest-bearing balances
  • $177,237Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $405,862Net loans & leases
  • $5,362Loan loss allowance
  • $0Trading account assets
  • $5,112Bank premises and fixed assets
  • $919Other real estate owned
  • $481Goodwill and other intangibles
  • $664,871Life insurance assets
  • $16,044All other assets
  • $610,553Total liabilities and capital
  • $595,573Total liabilities
  • $549,643Total deposits
  • $595,573Interest-bearing deposits
  • $72Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $11,344Trading liabilities
  • $0Other borrowed funds
  • $3,636Subordinated debt
  • $54,318All other liabilities
  • $54,318Total equity capital
  • $54,318Total bank equity capital
  • $0Perpetual preferred stock
  • $22,892Common stock
  • $28,182Surplus
  • $3,244Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,712Income earned, not collected on loans
  • $50Earning assets
  • $2,478Long-term assets (5+ years)
  • $633,467Average Assets, year-to-date
  • $327,248Average Assets, quarterly
  • $558,677Volatile liabilities
  • $627,112Insider loans
  • $449,397FHLB advances
  • $638,006Loans and leases held for sale
  • $8,639Unused loan commitments
  • $5,356Tier 1 (core) risk-based capital
  • $51,739Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,283Total unused commitments
  • $61,431Restructured Loans and leases
  • $3,309Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $25,589Total interest income
  • $7,165Total interest expense
  • $18,424Net interest income
  • $2,376Provision for loan and lease losses
  • $738Total noninterest income
  • $0Fiduciary activities
  • $392Service charges on deposit accounts
  • $0Trading account gains & fees
  • $346Additional noninterest income
  • $14,886Total noninterest expense
  • $7,153Salaries and employee benefits
  • $2,457Premises and equipment expense
  • $5,276Additional noninterest expense
  • $1,900Pre-tax net operating income
  • $1,976Securities gains (losses)
  • $1,063Applicable income taxes
  • $2,813Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,813Net income attributable to bank
  • $0Net charge-offs
  • $2,813Cash dividends
  • $708Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.84%Yield on earning assets
  • 1.35%Cost of funding earning assets
  • 3.48%Net interest margin
  • 0.14%Noninterest income to earning assets
  • 2.82%Noninterest expense to earning assets
  • 0.25%Net operating income to assets
  • 0.50%Return on assets (ROA)
  • 0.69%Pretax return on assets
  • 6.15%Return on equity (ROE)
  • 6.15%Retained earnings to average equity (YTD only)
  • 0.21%Net charge-offs to loans
  • 335.59%Credit loss provision to net charge-offs
  • 6.04%Efficiency ratio
  • 77,685Assets per employee
  • 6.21%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.30%Loss allowance to noncurrent loans
  • 61.55%Noncurrent assets plus other real estate owned to assets
  • 1.45%Noncurrent loans to loans
  • 2.12%Net loans and leases to deposits
  • 68.15%Net loans and leases to core deposits
  • 71.67%Equity capital to assets
  • 8.17%Core capital (leverage) ratio
  • 8.11%Tier 1 risk-based capital ratio
  • 11.51%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $558,677Average earning assets
  • $45,732Average equity
  • $528,803Average loans

List of branches

  • 8 New Jersey Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0455079The Bank Of Princeton183 Bayard Lane, Princeton, NJ 8540April 23, 2007Full Service Brick and Mortar
    1470284Pennington Branch2 Route 31, Pennington, NJ 8534December 17, 2007Full Service Brick and Mortar
    2474328Hamilton Branch339 Route 33, Hamilton, NJ 8619April 14, 2008Full Service Brick and Mortar
    3489499Princeton Branch21 Chambers Street, Princeton, NJ 8542November 25, 2008Full Service Brick and Mortar
    4210064Montgomery Branch1185 Route 206 North, Princeton, NJ 8540June 04, 1990Full Service Brick and Mortar
    8515150Monroe Branch1 Rossmoor Drive, Suite 1200, Monroe Township, NJ 8831December 29, 2010Full Service Brick and Mortar
    9521584Lambertville Branch10 Bridge Street, Lambertville, NJ 8530July 19, 2011Full Service Brick and Mortar
    10527743Princeton Branch194 Nassau Street, Princeton, NJ 8542December 28, 2011Full Service Brick and Mortar
  • 3 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    5428630Morebank Branch470 West Cheltenham Avenue, Philadelphia, PA 19126March 01, 2006Full Service Brick and Mortar
    6456045Upper Darby Branch7050 Terminal Square, Upper Darby, PA 19082October 16, 2006Full Service Brick and Mortar
    7480297Montgomery Branch1222 North Welsh Road, North Wales, PA 19454August 06, 2008Full Service Retail

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