Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.8 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (8.0). Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 14.3 and a capital leverage ratio of 9.2.
Asset Mix:
Home mtgs (46%), securities (9%), comm re (9%), cash (3%), home eq lns (3%), other (30%)
States with Branches:
NJ
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
--
Address
175 Rock Road
Glen Rock, NJ 07452
Glen Rock, NJ 07452
Phone Number
(201) 652-8776
Year Founded
1922
FDIC Number
Website
Largest Affiliates
No affiliate information available.