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Profile - First Sentinel Bancorp (NasdaqNM:FSLA)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | Research | SEC | Msgs | Insider | Options | Financials
Recent Events
Aug 31Dividend payment of $0.075
Location
1000 Woodbridge Center Drive
Woodbridge, NJ 07095
Phone: (732) 726-9700
Fax: (732) 726-5504
Employees (last reported count): 272
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Analyst Upgrade/Downgrade History
 ·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: 23%
·Over the last 6 months:
 · 4 insider buys; 3,000  shares
 · 2 insider sells; 8,000  shares
  (0.1% of insider shares)
·Institutional: 20% (26% of float)
(105 institutions)
·Net Inst. Selling: 661.0K shares (+11.72%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
First Sentinel Bancorp, Inc. is a thrift holding company that was organized by First Savings Bank (the Bank) for the purpose of holding all of the capital stock of the Bank. The Company's principal business, which is conducted through the Bank, is attracting retail deposits from the general public and investing those deposits, together with funds generated from operations and borrowings, primarily in single-family residential mortgage loans, real estate construction loans, commercial real estate loans, home equity loans and lines of credit and multi-family residential mortgage loans. The Company maintains a significant portfolio of mortgage-backed securities and invests in United States Government, federal agency and corporate debt securities and other marketable securities. The Company's revenues are derived principally from interest on its loan and mortgage-backed securities portfolios, and interest and dividends on its investment securities.
More from Market Guide: Expanded Business Description

Financial Summary
FSLA is a bank holding company for First Savings Bank of New Jersey. For the six months ended 6/30/01, interest income rose 1% to $67.6 million. Net interest income after loan loss provision rose 1% to $28.9 million. Net income rose 5% to $12.1 million. Interest income reflects higher average loan balances. Earnings reflect increased fees and service charges as well as lower occupancy and advertising expenses.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

Philip Ruegger, Jr., 74
Chairman
--  
John Mulkerin, 63
Pres, CEO, Director of the Company and the Bank
$513K
Christopher Martin, 44
CFO, COO, Execuitve VP, Director of the Company and the Bank; Sec. to the Company
414K
Maryanne Guenther
Sr. VP, Marketing
--  
Richard St. George
Sr. VP, Information Technology and Systems
--  
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:FSLAAs of 31-Aug-2001
Price and Volume
52-Week Low
on 18-Oct-2000
$8.625
Recent Price$12.69 
52-Week High
on 29-June-2001
$14.49 
Beta0.27 
Daily Volume (3-month avg)72.3K
Daily Volume (10-day avg)30.0K
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change+36.3%
52-Week Change
relative to S&P500
+82.8%
Share-Related Items
Market Capitalization$397.6M
Shares Outstanding31.3M
Float24.1M
Dividends & Splits
Annual Dividend (indicated)$0.30 
Dividend Yield2.36%
Last Split: 90 for 23 on 9-Apr-1998
Per-Share Data
Book Value (mrq)$7.12 
Earnings (ttm)$0.74 
Earnings (mrq)$0.20 
Sales (ttm)$4.30 
Cash (mrq)$1.02 
Valuation Ratios
Price/Book (mrq)1.78 
Price/Earnings (ttm)17.20 
Price/Sales (ttm)2.95 
Income Statements
Sales (ttm)$137.3M
EBITDAN/A 
Income available to common (ttm)$23.6M
Profitability
Profit Margin (ttm)17.2%
Operating Margin (ttm)41.3%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)1.19%
Return on Equity (ttm)10.63%
Financial Strength
Current RatioN/A 
Debt/EquityN/A 
Total Cash (mrq)$32.1M
Short Interest
As of 8-Aug-2001
Shares Short96.0K
Percent of Float0.4%
Shares Short
(Prior Month)
62.0K
Short Ratio2.74 
Daily Volume35.0K
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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