Trenton Savings Bank FSB in Lawrenceville, New Jersey (NJ)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 30, 1999

  • Trenton Savings Bank FSB in Lawrenceville, New Jersey (NJ)
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Trenton Savings Bank FSB - Overview

  • General
  • FDIC Certificate #: 12009
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Sovereign Bank, National Association (#29950)
    Federal Reserve ID: 692517
    Date Established: January 01, 1844
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 12559
    FDIC's unique #: 7654
    Numeric code: 43
    Regulator: OTS
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 30, 1999
    Last Structure Change Process Date: August 11, 1999
    Last Data Update: August 25, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 134 Franklin Corner Road, Lawrenceville, NJ 8648
    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
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $1,372.6 mil

1992 - 1999 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, 1998)

  • Dollar figures in thousands
  • 155Total employees (full-time equivalent)
  • $1,367,325Total assets
  • $9,232Cash and due from depository institutions
  • $53Interest-bearing balances
  • $782,675Securities
  • $25,800Federal funds sold & reverse repurchase agreements
  • $494,604Net loans & leases
  • $4,095Loan loss allowance
  • $0Trading account assets
  • $6,763Bank premises and fixed assets
  • $28Other real estate owned
  • $8,222Goodwill and other intangibles
  • $0Life insurance assets
  • $40,001All other assets
  • $1,367,325Total liabilities and capital
  • $1,127,008Total liabilities
  • $503,649Total deposits
  • $466,414Interest-bearing deposits
  • $503,649Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $30,000Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $581,100Other borrowed funds
  • $0Subordinated debt
  • $12,259All other liabilities
  • $240,317Total equity capital
  • $240,317Total bank equity capital
  • $240,317Perpetual preferred stock
  • $0Common stock
  • $905Surplus
  • $148,381Undivided profits
  • Memoranda
  • $91,031Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $4,123Earning assets
  • $0Long-term assets (5+ years)
  • $2,527Average Assets, year-to-date
  • $1,303,132Average Assets, quarterly
  • $0Volatile liabilities
  • $884,763Insider loans
  • $1,065,582FHLB advances
  • $675,720Loans and leases held for sale
  • $0Unused loan commitments
  • $581,100Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $59,990Total unused commitments
  • $0Restructured Loans and leases
  • $655,390Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $54,250Total interest income
  • $25,172Total interest expense
  • $29,078Net interest income
  • $2,155Provision for loan and lease losses
  • $3,876Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,876Additional noninterest income
  • $15,217Total noninterest expense
  • $8,893Salaries and employee benefits
  • $2,512Premises and equipment expense
  • $3,812Additional noninterest expense
  • $15,582Pre-tax net operating income
  • $5Securities gains (losses)
  • $5,933Applicable income taxes
  • $9,654Income before extraordinary items
  • $0Extraordinary gains - net
  • $9,654Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1,476Sale, conversion, retirement of capital stock, net
  • $284Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.45%Yield on earning assets
  • 2.99%Cost of funding earning assets
  • 3.46%Net interest margin
  • 0.46%Noninterest income to earning assets
  • 1.81%Noninterest expense to earning assets
  • 1.09%Net operating income to assets
  • 1.09%Return on assets (ROA)
  • 1.76%Pretax return on assets
  • 5.18%Return on equity (ROE)
  • 5.03%Retained earnings to average equity (YTD only)
  • 0.33%Net charge-offs to loans
  • 146.00%Credit loss provision to net charge-offs
  • 12.02%Efficiency ratio
  • 44,253Assets per employee
  • 8.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 2.94%Loss allowance to loans
  • 0.82%Loss allowance to noncurrent loans
  • 99.32%Noncurrent assets plus other real estate owned to assets
  • 0.30%Noncurrent loans to loans
  • 0.83%Net loans and leases to deposits
  • 98.20%Net loans and leases to core deposits
  • 112.66%Equity capital to assets
  • 17.58%Core capital (leverage) ratio
  • 16.97%Tier 1 risk-based capital ratio
  • 35.15%Total risk-based capital ratio
  • Memoranda
  • $36Average assets
  • $884,763Average earning assets
  • $186,292Average equity
  • $841,138Average loans

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