Major Rating Factors:
A current level of 0.3 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Excellent asset quality (8.0).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 44.1 and a capital leverage ratio of 16.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.2 on a scale of 0 to 10).
Asset Mix:
Securities (46%), home mtgs (21%), cash (6%), home eq lns (5%), other (22%)
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
Employees' Stock Ownership Plan of Cenlar Capital Corporation
Investment Rating
--
Address
425 Phillips Blvd.
Ewing, NJ 08618
Ewing, NJ 08618
Phone Number
(609) 883-3900
Year Founded
1912
FDIC Number
Website
Largest Affiliates
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