Amboy Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Amboy Bank, a full service commercial bank headquartered in the Township of Old Bridge, was established in 1888. Based on over 125 years of strength and service, the bank have earned a reputation as a well-respected financial institution in central New Jersey.

In addition to branch locations, the Bank maintains Amboy Direct, a centralized support team located in Administration building, where customer inquiries are answered and direct banking activities are managed. Amboy Bank center supports Amboy 24, an automatic telephone voice response unit, and AmboyNET, Internet banking service with around-the-clock customer service.

The Bank's strategic direction will continue to be focused on new sources of funding, small business lending, residential construction loans, first and second home mortgages, and reverse mortgages.