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 2.9%, coupled with a return on assets of 2.2 has resulted in Good (6.9) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 39.8 and a capital leverage ratio of 16.2. A current level of 2.1 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Excellent asset quality (7.8).
Asset Mix:
Securities (47%), home mtgs (25%), home eq lns (5%), cash (3%), other (19%)
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
Cenlar Capital Corporation
Investment Rating
--
Address
Seven Graphics Drive
Trenton, NJ 08618
Trenton, NJ 08618
Phone Number
(609) 883-3900
Year Founded
1912
FDIC Number
Website
Largest Affiliates
No affiliate information available.