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| South Jersey Financial Corporation, Inc. |
| 4651 Route 42, Turnersville, NJ 08012 * (609) 629-6000 |
| Business Description | The company is a holding company for the South Jersey Savings and Loan Association. |
| Offering Information Company has | |||
| Trading As | SJFC (NASNTL) | Industry | Savings Bank (SIC 6036) |
| Type of Stock Offered | Common Shares | Filing Date | 10/09/1998 |
| Domestic Shares Offered | 3,780,000 | Offer Date | 02/12/1999 |
| Foreign Shares Offered | 0 | Filing Price | $10.00 |
| Company Shares | 3,780,000 | Offer Price | $10.00 |
| Selling Shrhldrs Shares | 0 | Gross Spread | - - |
| Gross Proceeds | $37,800,000 | Selling | - - |
| Expenses | - - | Reallowance | - - |
| Post-IPO Shares | - - | Employees | - - |
| Primary Underwriting Group | ||
| Underwriter Name | Participation | Underwriter Phone |
| Sandler O'Neill & Partners. L.P. | Lead Manager | (212) 466-7737 |
| Income Statement and Cash Flow Summary | |||||||
| Prior Audited Income |
Latest Unaudited Income | ||||||
| Full Year Audited Figures | 6 Months Ending | ||||||
| Figures in U.S. millions except per share data | 12/31/1995 | 12/31/1996 | 12/31/1997 | 07/31/1997 | 07/31/1998 | ||
| Revenues | - | - | - | - | - | - | - |
| Income from Oper. | - | - | - | - | - | - | - |
| Net Income | - | - | 2.024 | 1.156 | 2.266 | 1.299 | 1.337 |
| E.P.S | - | - | - | - | - | - | - |
| Revenue Growth (%) | - | - | - | - | - | ||
| Net Income Growth (%) | - | - | -42.86 | 95.91 | 2.90 | ||
| Oper. Profit Margin (%) | - | - | - | - | - | - | - |
| Net Profit Margin (%) | - | - | - | - | - | - | - |
| Cash Flow - Oper. | 3.25 | 2.10 | 1.77 | ||||
| Cash Flow - Inv. | -1.26 | -0.55 | -12.07 | ||||
| Cash Flow - Fin. | 6.31 | 1.90 | 8.31 | ||||
| Balance Sheet Summary and Financial Ratios | |||||
| Balance sheet as of: 07/31/1998 | Financial Ratios | ||||
| Total Assets | 259.71 | Current Assets | - | Current Ratio | - |
| Total Liab. | 233.68 | Current Liab. | 231.16 | Debt Ratio | 89.98% |
| Total Equity | 26.03 | Working Cap. | - | Debt to Equity Ratio | 8.98 |
| Cash | 17.21 | Return on Assets | 0.51% | ||
| Use Of Proceeds |
The proceeds from the proposed offering will be used for general corporate purposes. |
| Legal Counsel Registrar Auditor | |
| Issuer's Law Firm | Muldoon, Murphy & Faucette |
| Bank's Law Firm | Malizia, Spidi, Sloane & Fisch |
| Auditor | Deloitte & Touche |
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