United Jersey Bank/Central, National Association in West Windsor Township, New Jersey (NJ)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 16, 1994

  • United Jersey Bank/Central, National Association in West Windsor Township, New Jersey (NJ)
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United Jersey Bank/Central, National Association - Overview

  • General
  • FDIC Certificate #: 6492
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Summit Bank (#550)
    Federal Reserve ID: 919317
    Date Established: March 06, 1893
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 79 (Interstate: No)
    FDIC's unique #: 4340
    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: January 01, 1934
    Last Structure Change Effective Date: July 16, 1994
    Last Structure Change Process Date: August 09, 1994
    Last Data Update: August 09, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 301 Carnegie Center, West Windsor Township, 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: $3,636.8 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $1,101Total assets
  • $3,496,342Cash and due from depository institutions
  • $200,641Interest-bearing balances
  • $2,450Securities
  • $962,538Federal funds sold & reverse repurchase agreements
  • $177,700Net loans & leases
  • $2,063,209Loan loss allowance
  • $45,893Trading account assets
  • $0Bank premises and fixed assets
  • $33,748Other real estate owned
  • $11,920Goodwill and other intangibles
  • $46,536Life insurance assets
  • $50All other assets
  • $0Total liabilities and capital
  • $3,496,342Total liabilities
  • $3,285,697Total deposits
  • $3,155,367Interest-bearing deposits
  • $2,304,417Deposits held in domestic offices
  • 3155367.00%% insured (estimated)
  • $82Federal funds purchased & repurchase agreements
  • $63,344Trading liabilities
  • $0Other borrowed funds
  • $24,997Subordinated debt
  • $20,390All other liabilities
  • $21,599Total equity capital
  • $21,599Total bank equity capital
  • $210,645Perpetual preferred stock
  • $3,000Common stock
  • $37,870Surplus
  • $47,040Undivided profits
  • Memoranda
  • $122,735Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $73,537Income earned, not collected on loans
  • $11,242Earning assets
  • $3,205,897Long-term assets (5+ years)
  • $435,942Average Assets, year-to-date
  • $3,424,338Average Assets, quarterly
  • $3,444,213Volatile liabilities
  • $122,358Insider loans
  • $13,066FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $409,767Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $210,595Total risk weighted assets
  • $2,404,241Total unused commitments
  • $0Restructured Loans and leases
  • $158,000Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $219,020Total interest expense
  • $71,593Net interest income
  • $147,427Provision for loan and lease losses
  • $19,750Total noninterest income
  • $24,440Fiduciary activities
  • $0Service charges on deposit accounts
  • $18,043Trading account gains & fees
  • $16Additional noninterest income
  • $6,381Total noninterest expense
  • $113,006Salaries and employee benefits
  • $38,218Premises and equipment expense
  • $15,751Additional noninterest expense
  • $59,037Pre-tax net operating income
  • $39,111Securities gains (losses)
  • $1,154Applicable income taxes
  • $13,858Income before extraordinary items
  • $26,407Extraordinary gains - net
  • $1,758Net income attributable to bank
  • $28,165Net charge-offs
  • $14,571Cash dividends
  • $14,051Sale, conversion, retirement of capital stock, net
  • $139Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.08%Cost of funding earning assets
  • 2.32%Net interest margin
  • 4.77%Noninterest income to earning assets
  • 0.79%Noninterest expense to earning assets
  • 3.66%Net operating income to assets
  • 0.75%Return on assets (ROA)
  • 0.82%Pretax return on assets
  • 1.23%Return on equity (ROE)
  • 13.84%Retained earnings to average equity (YTD only)
  • 6.94%Net charge-offs to loans
  • 0.70%Credit loss provision to net charge-offs
  • 135.54%Efficiency ratio
  • 65,728Assets per employee
  • 3.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 49.89%Loss allowance to loans
  • 2.18%Loss allowance to noncurrent loans
  • 62.41%Noncurrent assets plus other real estate owned to assets
  • 2.44%Noncurrent loans to loans
  • 3.49%Net loans and leases to deposits
  • 65.39%Net loans and leases to core deposits
  • 66.10%Equity capital to assets
  • 6.02%Core capital (leverage) ratio
  • 6.12%Tier 1 risk-based capital ratio
  • 8.76%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $3,424,338Average earning assets
  • $203,447Average equity
  • $3,091,591Average loans

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