Vitals
  • Total Assets
    2.6B 2.7 %
  • Total Deposits
    1.8B 2.7 %
  • Total Net Loans
    1.9B 3.3 %
  • Net Income
    13.4M 1.5 %
  • Book Value
    296.9M 5.2 %
  • Book Value x2
    593.8M 5.2 %
  • Book Value x3
    890.6M 5.2 %
ROAA

.521

ROAE

4.625

Efficiency Ratio

68.484

Net Interest Margin

2.651

Balance Sheet Highlights
Financial Highlights Spencer Savings Bank, Sla All Insured Savings Banks in New Jersey
Balance Sheet $(000)
Total Assets 2,609,703 1,030,673
Total Net Loans 1,895,061 693,502
Total Deposits 1,831,466 776,139
Total Equity 296,881 127,082
Profitability
Net Income 13,403 6,133
Return on Average Assets .521 .346
Return on Average Equity 4.625 2.946
Net Interest Margin 2.651 2.689
Efficiency Ratio 68.484 79.014
Noninterest Income/Revenue 5.235 9.624
Balance Sheet Ratios
Loan-to-Deposit 103.472 79.002
Securities/Assets .199 .199
Total Equity/Total Assets .114 .123
Tangible Equity/Tangible Assets .108 .117
Capital Adequacy
Tier 1 Common Capital 300,026 122,005
Tier 1 Capital 300,026 122,005
Tier 2 Capital 14,228 5,602
Total Capital 314,254 127,603
Total Risk Weighted Assets 1,895,787 666,944
Leverage Ratio 11.61 11.596
Common Equity Tier 1 Capital Ratio 15.83 21.406
Tier 1 Capital Ratio 15.83 21.406
Total Capital Ratio 16.58 22.306

Timeline for Spencer Savings Bank, Sla

Elmora Savings And Loan Association

Acquisition: Spencer Savings Bank, Sla acquired a new subsidiary, Elmora Savings And Loan Association, 36 years

View Profile Mar 01 1988

Spencer Savings Bank, Sla

Spencer Savings Bank, Sla was established 84 years ago and is currently headquartered in Elmwood Park, NJ.

Sep 19 1939
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Elmora Savings And Loan Association Seller 50,500 Discontinued 3/1/1988
Relationships Role Relationship Start Relationship End
Similar Organizations
Organization City State Total Assets
Bank Mutual
 		Brown Deer WI 2.7B
Principal Bank
 		Des Moines IA 2.4B
First Federal Bank Of The Midwest
 		Defiance OH 2.4B
Union Savings Bank
 		Cincinnati OH 2.8B
John Deere Financial, F.S.B.
 		Madison WI 3.0B
El Dorado Savings Bank, F.S.B.
 		Placerville CA 2.1B
Home Federal Bank Of Tennessee
 		Knoxville TN 2.2B
Sterling Bank And Trust, Fsb
 		Southfield MI 2.0B
Fidelity Bank
 		Wichita KS 2.0B
Colorado Federal Savings Bank
 		Greenwood Village CO 1.9B