1st Bank of Sea Isle City
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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Weak (1.6) profitability.
Other Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (9.5). Excellent current capitalization (8.1 on a scale of 0 to 10) based on a risk-based capital ratio of 17.3 and a capital leverage ratio of 9.7.
Asset Mix:
Home mtgs (61%), cash (10%), comm re (9%), securities (7%), home eq lns (2%), comm loans (0%), other (11%)
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
Sea Isle Financial Corp, MHC
Investment Rating
--
Address
4301 Landis Avenue
Sea Isle City, NJ 08243
Sea Isle City, NJ 08243
Phone Number
(609) 263-8750
Year Founded
1888
FDIC Number
Website
Largest Affiliates
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