Monroe Savings Bank
Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.4 has resulted in Weak (3.0) profitability. A current level of 4.2 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Good asset quality (6.5).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 24.1 and a capital leverage ratio of 13.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (52%), consumer loans (23%), cash (11%), securities (6%), comm re (5%), home eq lns (1%), comm loans (1%), other (1%)
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
114 South Main Street
Williamstown, NJ 08094
Williamstown, NJ 08094
Phone Number
(856) 629-6439
Year Founded
1870
FDIC Number
Website
Largest Affiliates
No affiliate information available.