Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (5.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) based on a risk-based capital ratio of 13.1 and a capital leverage ratio of 10.2. A current level of 6.6 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Good asset quality (5.1).
Asset Mix:
Comm re (46%), comm loans (16%), cash (9%), home mtgs (4%), securities (4%), home eq lns (2%), other (20%)
States with Branches:
FL, NJ, PA
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
2465 Kuser Road
Hamilton, NJ 08690
Hamilton, NJ 08690
Phone Number
(877) 821-2265
Year Founded
2007
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.