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 1.4%, coupled with a return on assets of 1.1 has resulted in Good (5.2) profitability.
Other Rating Factors:
Excellent current capitalization (7.8 on a scale of 0 to 10) based on a risk-based capital ratio of 12.3 and a capital leverage ratio of 9.5. A current level of 2.5 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Good asset quality (6.6).
Asset Mix:
Comm re (47%), comm loans (16%), cash (8%), home mtgs (4%), securities (3%), home eq lns (1%), consumer loans (0%), other (21%)
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
No affiliate information available.