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Profile - Warwick Community Bancorp (NasdaqNM:WSBI)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | Research | SEC | Msgs | Insider | Financials
Recent Events
Aug 28Price hit new 52-week high ($18.99)
Location
18 Oakland Avenue
Warwick, NY 10990
Phone: (914) 986-2206
Fax: (914) 986-5103
Email: wsb@warwick.net
Employees (last reported count): 115
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: S&Ls/Savings Banks
Company Website
 ·Home Page

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Ownership
·Insider and 5%+ Owners: 28%
·Over the last 6 months:
 · 4 insider buys; 3,000  shares (0.2% of insider shares)
 · 4 insider sells; 10.0K shares
  (0.7% of insider shares)
·Institutional: 32% (45% of float)
(18 institutions)
·Net Inst. Buying: 15.0K shares (+0.89%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Warwick Community Bancorp is a bank holding company organized for the purpose of acquiring all of the outstanding capital stock of The Warwick Savings Bank. The Company's operations commenced on December 23, 1997 and consist principally of the operations of Warwick Savings, and, as of October 26, 1999, The Towne Center Bank, a de novo commercial bank formed by the Company. Warwick Savings' principal business has been and continues to be attracting retail deposits from the general public in the area surrounding its five branches and investing those deposits, together with funds generated from operations and borrowings, primarily in one- to four-family residential mortgage loans, mortgage-backed securities, commercial business and commercial real estate loans, as well as various debt and equity securities. Towne Center's principal business consists of taking business and consumer deposits and making consumer and commercial loans in the areas surrounding its two branches.
More from Market Guide: Expanded Business Description

Financial Summary
Warwick Community Bancorp. is a holding company for the Warwick Savings Bank and the Towne Center Bank. For the six months ended 6/30/01, interest income rose 11% to $24.4 million. Net interest income after LLP rose 14% to $10.5 million. Net income rose 12% to $2.3 million. Net interest income reflects an increase in loans and a decrease in borrowed funds. Earnings were partially offset by the addition of staff from the acquisition of the Carmel branch office.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

Fred Kowal, 48
Chairman, CEO
$180K
Ronald Gentile, 51
Pres, COO, Director
249K
Arthur Budich, 50
CFO, Sr. VP, Treasurer
151K
Laurence Haggerty, 57
Sr. VP
144K
Donna Lyons, 45
Sr. VP and Auditor
--  
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqNM:WSBIAs of 31-Aug-2001
Price and Volume
52-Week Low
on 17-Oct-2000
$12.00 
Recent Price$18.65 
52-Week High
on 28-Aug-2001
$18.99 
Beta0.27 
Daily Volume (3-month avg)4,455 
Daily Volume (10-day avg)6,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y]
52-Week Change+55.4%
52-Week Change
relative to S&P500
+108.5%
Share-Related Items
Market Capitalization$96.1M
Shares Outstanding5.16M
Float3.70M
Dividends & Splits
Annual Dividend (indicated)$0.38 
Dividend Yield2.04%
Last Splitnone 
Per-Share Data
Book Value (mrq)$14.25 
Earnings (ttm)$0.97 
Earnings (mrq)$0.25 
Sales (ttm)$10.04 
Cash (mrq)$3.67 
Valuation Ratios
Price/Book (mrq)1.31 
Price/Earnings (ttm)19.23 
Price/Sales (ttm)1.86 
Income Statements
Sales (ttm)$48.1M
EBITDAN/A 
Income available to common (ttm)$4.65M
Profitability
Profit Margin (ttm)9.7%
Operating Margin (ttm)41.2%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)0.68%
Return on Equity (ttm)6.55%
Financial Strength
Current RatioN/A 
Debt/EquityN/A 
Total Cash (mrq)$18.9M
Short Interest
As of 8-Aug-2001
Shares Short6,000 
Percent of Float0.2%
Shares Short
(Prior Month)
4,000 
Short Ratio1.20 
Daily Volume5,000 
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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