Monroe Savings Bank, SLA in Williamstown, New Jersey (NJ)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Monroe Savings Bank, SLA in Williamstown, New Jersey (NJ)
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Monroe Savings Bank, SLA - Overview

  • General
  • FDIC Certificate #: 30103
    Status: Active
    Federal Reserve ID: 927077
    Date Established: January 01, 1870
    WWW: http://www.monroesavings.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 4752
    FDIC's unique #: 42937
    Numeric code: 38
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: Febuary 28, 1964
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 114 South Main Street, Williamstown, NJ 8094
    County: Gloucester
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Jamesburg
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Philadelphia, PA-NJ (#6160)
    Consolidated Metropolitan Statistical Area (CMSA): Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD (#77)
    Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
    Core Based Statistical Area (CBSA): Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    CBSA Metro Statistical Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    Core Based Statistical Division: Camden, NJ (#15804)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $91.3 mil
    Equity capital: $10.1 mil
    Deposits held in domestic offices: $69.6 mil
    Return on assets (ROA): 0.37% ($0.3 mil)
    Quarterly return on assets: 0.34% ($0.3 mil)
    Return on Equity (ROE): 3.47% ($0.3 mil)
    Quarterly return on equity: 3.13% ($0.3 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.64% ($584.6 mil)
    Quarterly Pretax return on assets: 0.59% ($538.9 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 18Total employees (full-time equivalent)
  • $91,346Total assets
  • $3,182Cash and due from depository institutions
  • $2,208Interest-bearing balances
  • $26,768Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $57,693Net loans & leases
  • $669Loan loss allowance
  • $0Trading account assets
  • $1,097Bank premises and fixed assets
  • $664Other real estate owned
  • $0Goodwill and other intangibles
  • $91,346Life insurance assets
  • $1,942All other assets
  • $81,212Total liabilities and capital
  • $69,607Total liabilities
  • $68,181Total deposits
  • $69,607Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $11,250Trading liabilities
  • $0Other borrowed funds
  • $355Subordinated debt
  • $10,134All other liabilities
  • $10,134Total equity capital
  • $10,134Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $10,134Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,162Income earned, not collected on loans
  • $0Earning assets
  • $414Long-term assets (5+ years)
  • $86,669Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $92,266Volatile liabilities
  • $91,753Insider loans
  • $45,164FHLB advances
  • $91,231Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,019Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,608Restructured Loans and leases
  • $2,339Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,638Total interest income
  • $1,629Total interest expense
  • $3,009Net interest income
  • $161Provision for loan and lease losses
  • $28Total noninterest income
  • $0Fiduciary activities
  • $49Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$21Additional noninterest income
  • $2,287Total noninterest expense
  • $1,308Salaries and employee benefits
  • $444Premises and equipment expense
  • $535Additional noninterest expense
  • $589Pre-tax net operating income
  • $0Securities gains (losses)
  • $246Applicable income taxes
  • $343Income before extraordinary items
  • $0Extraordinary gains - net
  • $343Net income attributable to bank
  • $0Net charge-offs
  • $343Cash dividends
  • $112Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.30%Yield on earning assets
  • 1.86%Cost of funding earning assets
  • 3.44%Net interest margin
  • 0.03%Noninterest income to earning assets
  • 2.61%Noninterest expense to earning assets
  • 0.37%Net operating income to assets
  • 0.37%Return on assets (ROA)
  • 0.64%Pretax return on assets
  • 3.47%Return on equity (ROE)
  • 3.47%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 143.75%Credit loss provision to net charge-offs
  • 6.70%Efficiency ratio
  • 75,305Assets per employee
  • 5.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.15%Loss allowance to noncurrent loans
  • 57.57%Noncurrent assets plus other real estate owned to assets
  • 2.00%Noncurrent loans to loans
  • 1.99%Net loans and leases to deposits
  • 82.88%Net loans and leases to core deposits
  • 82.88%Equity capital to assets
  • 11.09%Core capital (leverage) ratio
  • 10.98%Tier 1 risk-based capital ratio
  • 22.18%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $92,266Average earning assets
  • $9,893Average equity
  • $87,559Average loans

List of branches

  • 3 New Jersey Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    042937Monroe Savings Bank, Sla114 South Main Street, Williamstown, NJ 8094January 01, 1870Full Service Brick and Mortar
    1278669Williamstown Branch108 South Black Horse Pike, Williamstown, NJ 8094March 01, 1991Full Service Brick and Mortar
    2278670Williamstown Branch1712 South Black Horse Pike, Williamstown, NJ 8094September 10, 1996Full Service Brick and Mortar

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