0001023860-17-000027.txt : 20170404 0001023860-17-000027.hdr.sgml : 20170404 20170404093615 ACCESSION NUMBER: 0001023860-17-000027 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 3 CONFORMED PERIOD OF REPORT: 20170404 ITEM INFORMATION: Other Events ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20170404 DATE AS OF CHANGE: 20170404 FILER: COMPANY DATA: COMPANY CONFORMED NAME: STEWARDSHIP FINANCIAL CORP CENTRAL INDEX KEY: 0001023860 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 223351447 STATE OF INCORPORATION: NJ FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-33377 FILM NUMBER: 17736386 BUSINESS ADDRESS: STREET 1: 630 GODWIN AVE CITY: MIDLAND PARK STATE: NJ ZIP: 07432 BUSINESS PHONE: 2014447100 MAIL ADDRESS: STREET 1: 630 GODWIN AVE CITY: MIDLAND PARK STATE: NJ ZIP: 07432 8-K 1 pressrelease04-04x2017.htm 8-K Document


UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
 
FORM 8-K
CURRENT REPORT
 
 
PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
 
Date of Report (Date of earliest event reported) April 4, 2017
 
 
 
Stewardship Financial Corporation
(Exact Name of Registrant as Specified in its Charter)
 
New Jersey
 
1-33377
 
22-3351447
(State or Other Jurisdiction of
 
(Commission
 
(IRS Employer
Incorporation)
 
File Number)
 
Identification No.)
 
 
 
 
 
630 Godwin Avenue, Midland Park,  NJ
 
 
 
07432
(Address of Principal Executive Offices)
 
 
 
(Zip Code)
 
 
 
 
 
Registrant’s telephone number, including area code (201) 444-7100
 
 
Not Applicable 
(Former Name or Former Address, if Changed Since Last Report)
 
 
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (See General Instruction A.2. below):
 
 
o
Written communications pursuant to Rule 425 under the Securities Act (17CFR230.425)
 
 
o
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17CFR 240.14a-12)
 
 
o
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17CFR 240.14d-2(b))
 
 
o
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17CFR 240.13e-4(c))







Item 8.01. Other Events
 
On April 4, 2017, Stewardship Financial Corporation issued a press release announcing the commencement of a common stock offering. A copy of the press release is furnished herewith as Exhibit 99.1.

The information contained under this item including the Exhibit 99.1 is being furnished and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section. Furthermore, the information contained under this item in this Current Report on Form 8-K, including Exhibit 99.1, shall not be deemed to be incorporated by reference into any registration statement or other document filed pursuant to the Securities Act of 1933, as amended, unless specifically identified therein as being incorporated therein by reference.
 
Item 9.01. Financial Statements and Exhibits
 

(d)
Exhibits
 
Description
 
 
 
 
 
99.1  
 
Press release of Stewardship Financial Corporation dated April 4, 2017.





Signatures
 
 
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
 
 
 
 
 
Date:  April 4, 2017
Stewardship Financial Corporation
 
 
 
 By:
/s/ Claire M. Chadwick
 
Name:
Claire M. Chadwick
 
Title:
Executive Vice President and Chief Financial Officer
 
 
 



 EX-99.1 2 exhibit99104-04x2017.htm EXHIBIT 99.1 Exhibit

sfc1a02.jpg
For immediate release
 
Contact:
 
 
Claire M. Chadwick
 
 
EVP and Chief Financial Officer
 
 
630 Godwin Avenue
 
 
Midland Park, NJ 07432
 
 
P: 201-444-7100

PRESS RELEASE

Stewardship Financial Corporation Announces
Commencement of Common Stock Offering
Midland Park, NJ - April 4, 2017 - Stewardship Financial Corporation (NASDAQ: SSFN) (the “Corporation”), parent company of Atlantic Stewardship Bank serving Northern New Jersey, today announced that it has commenced an underwritten public offering of $15.0 million of its common stock. The Corporation expects to grant the underwriter a 30-day option to purchase up to an additional 15% of the shares sold in the offering.

Sandler O'Neill + Partners, L.P. is serving as the sole book-running manager for the offering. The shares will be issued pursuant to a registration statement filed with the Securities and Exchange Commission (the “SEC”) on Form S-1 (File No. 333-216878).

The Corporation expects to use the net proceeds of this offering to support organic growth and other general corporate purposes.

Additional Information Regarding the Offering
This press release is for informational purposes only and is not an offer to sell or the solicitation of an offer to buy any securities of the Corporation, which is made only by means of a prospectus, nor will there be any


1

Press Release - Midland Park, NJ
Stewardship Financial Corporation, continued                         April 4, 2017


sale of these securities in any state or jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of any such state or jurisdiction. The Corporation has filed a registration statement (including a prospectus) with the SEC for the offering to which this communication relates. Prospective investors, including current shareholders interested in participating in the offering, should read the preliminary prospectus in that registration statement and other documents that the Corporation has filed with the SEC for more complete information about the Corporation and the offering. Investors may obtain copies of the preliminary prospectus relating to the offering without charge by visiting the SEC's website at www.sec.gov, or from Sandler O’Neill + Partners, L.P., 1251 Avenue of the Americas, 6th Floor, New York, New York 10020, Attn: Syndicate Operations, or by phone at 1-866-805-4128.

About Stewardship Financial Corporation
Stewardship Financial Corporation’s subsidiary, Atlantic Stewardship Bank (“ASB”) is a full-service community bank serving both individuals and businesses. ASB is known for tithing, or sharing, 10% of its pre-tax profits with Christian and local charities. To date, ASB’s total tithe donations total over $9 million. ASB maintains 11 banking locations in NJ and plans to open a twelfth branch in Morristown in late spring. Current locations include: Midland Park, Hawthorne, Montville, North Haledon, Pequannock, Ridgewood, Waldwick, Westwood, Wyckoff and two offices in Wayne.

Forward-Looking Statements
This news release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements include, but are not limited to, statements concerning future business, revenue and earnings. These statements are not historical facts or guarantees of future performance, events or results. There are risks, uncertainties and other factors that could cause the actual


2

Press Release - Midland Park, NJ
Stewardship Financial Corporation, continued                         April 4, 2017


results of Stewardship Financial Corporation to differ materially from the results expressed or implied by such statements. Factors that may cause actual results to differ materially from those contemplated by such forward-looking statements include competitive pressures among financial services companies, interest rate trends, general economic conditions, changes in legislation or regulatory requirements, effectiveness at achieving stated goals and strategies, and difficulties in achieving operating efficiencies. These risks and uncertainties are more fully described in Stewardship Financial Corporation’s Annual and Quarterly Reports filed with the Securities and Exchange Commission. Forward-looking statements speak only as of the date they are made. Stewardship Financial Corporation undertakes no obligation to publicly update or revise forward-looking information, whether as a result of new, updated information, future events or otherwise.



3

Stewardship Financial Corporation
Selected Consolidated Financial Information
(dollars in thousands, except per share amounts)
(unaudited)
 
December 31,
 
September 30,
 
June 30,
 
March 31,
 
December 31,
 
2016
 
2016
 
2016
 
2016
 
2015
 
 
 
 
 
 
 
 
 
 
Selected Financial Condition Data:
 
 
 
 
 
 
 
 
 
Cash and cash equivalents
$
11,680

 
$
21,025

 
$
13,901

 
$
13,319

 
$
10,910

Securities available for sale
98,583

 
103,546

 
98,533

 
97,637

 
93,354

Securities held to maturity
52,330

 
54,179

 
65,666

 
62,427

 
60,738

FHLB Stock
3,515

 
2,425

 
2,650

 
2,608

 
2,608

Loans held for sale
773

 
300

 
581

 
783

 
1,522

Loans receivable:
 
 
 
 
 
 
 
 
 
Loans receivable, gross
604,083

 
552,106

 
537,638

 
528,011

 
526,477

Allowance for loan losses
(7,905
)
 
(8,150
)
 
(8,388
)
 
(8,540
)
 
(8,823
)
Other, net
(226
)
 
(110
)
 
(25
)
 
(64
)
 
(98
)
Loans receivable, net
595,952

 
543,846

 
529,225

 
519,407

 
517,556

Other real estate owned, net
401

 
834

 
834

 
1,013

 
880

Bank owned life insurance
16,558

 
16,439

 
16,320

 
14,212

 
14,111

Other assets
15,743

 
15,333

 
14,877

 
15,251

 
16,209

Total assets
$
795,535

 
$
757,927

 
$
742,587

 
$
726,657

 
$
717,888

 
 
 
 
 
 
 
 
 
 
Non-interest bearing deposits
$
169,306

 
$
172,072

 
$
160,461

 
$
154,201

 
$
147,828

Interest-bearing deposits
489,624

 
474,012

 
466,008

 
458,225

 
456,925

Total deposits
658,930

 
646,084

 
626,469

 
612,426

 
604,753

Other borrowings
59,200

 
35,000

 
40,000

 
40,000

 
40,000

Subordinated debentures and subordinated notes
23,252

 
23,235

 
23,219

 
23,203

 
23,186

Other liabilities
2,766

 
2,040

 
2,213

 
1,836

 
2,376

Total liabilities
744,148

 
706,359

 
691,901

 
677,465

 
670,315

Shareholders' equity
51,387

 
51,568

 
50,686

 
49,192

 
47,573

Total liabilities and shareholders' equity
$
795,535

 
$
757,927

 
$
742,587

 
$
726,657

 
$
717,888

 
 
 
 
 
 
 
 
 
 
Gross loans to deposits
91.68
%
 
85.45
%
 
85.82
%
 
86.22
%
 
87.06
%
 
 
 
 
 
 
 
 
 
 
Equity to assets
6.46
%
 
6.80
%
 
6.83
%
 
6.77
%
 
6.63
%
 
 
 
 
 
 
 
 
 
 
Book value per share
$
8.39

 
$
8.43

 
$
8.29

 
$
8.05

 
$
7.82

 
 
 
 
 
 
 
 
 
 
Asset Quality Data:
 
 
 
 
 
 
 
 
 
Nonaccrual loans
$
606

 
$
929

 
$
949

 
$
2,304

 
$
1,882

Loans past due 90 days or more and accruing
—

 
—

 
—

 
—

 
—

Total nonperforming loans
606

 
929

 
949

 
2,304

 
1,882

Other real estate owned
401

 
834

 
834

 
1,013

 
880

Total nonperforming assets
$
1,007

 
$
1,763

 
$
1,783

 
$
3,317

 
$
2,762

 
 
 
 
 
 
 
 
 
 
Nonperforming loans to total loans
0.10
%
 
0.17
%
 
0.18
%
 
0.44
%
 
0.36
%
Nonperforming assets to total assets
0.13
%
 
0.23
%
 
0.24
%
 
0.46
%
 
0.38
%
Allowance for loan losses to gross loans
1.31
%
 
1.48
%
 
1.56
%
 
1.62
%
 
1.68
%


4

Stewardship Financial Corporation
Selected Consolidated Financial Information
(dollars in thousands, except per share amounts)
(unaudited)
 
For the three months ended December 31,
 
For the year ended December 31,
 
2016
 
2015
 
2016
 
2015
 
 
 
 
 
 
 
 
Selected Operating Data:
 
 
 
 
 
 
 
Interest income
$
7,000

 
$
6,643

 
$
27,085

 
$
25,609

Interest expense
1,103

 
1,198

 
4,513

 
3,826

Net interest income
5,897

 
5,445

 
22,572

 
21,783

Provision for loan losses
(300
)
 
(275
)
 
(1,350
)
 
(1,375
)
Net interest income after provision for loan losses
6,197

 
5,720

 
23,922

 
23,158

Noninterest income:
 
 
 
 
 
 
 
Fees and service charges
564

 
558

 
2,159

 
2,135

Bank owned life insurance
119

 
103

 
447

 
403

Gain on calls and sales of securities
1

 
17

 
63

 
169

Gain on sales of mortgage loans
94

 
24

 
164

 
141

Gain on sales of other real estate owned
30

 
30

 
36

 
83

Other
129

 
123

 
542

 
562

Total noninterest income
937

 
855

 
3,411

 
3,493

Noninterest expenses:

 

 

 

Salaries and employment benefits
2,735

 
2,719

 
10,980

 
10,900

Occupancy, net
396

 
422

 
1,598

 
1,739

Equipment
156

 
159

 
609

 
655

Data processing
481

 
467

 
1,915

 
1,847

FDIC insurance premium
21

 
106

 
317

 
423

Other
1,213

 
1,027

 
4,483

 
4,615

Total noninterest expenses
5,002

 
4,900

 
19,902

 
20,179

Income before income tax expense
2,132

 
1,675

 
7,431

 
6,472

Income tax expense
784

 
614

 
2,695

 
2,272

Net income
1,348

 
1,061

 
4,736

 
4,200

Dividends on preferred stock
—

 
—

 
—

 
456

Net income available to common shareholders
$
1,348

 
$
1,061

 
$
4,736

 
$
3,744

 
 
 
 
 
 
 
 
Weighted avg. no. of diluted common shares
6,119,693

 
6,086,249

 
6,109,983

 
6,077,657

Diluted earnings per common share
$
0.22

 
$
0.17

 
$
0.78

 
$
0.62

 
 
 
 
 
 
 
 
Return on average common equity
10.40
%
 
8.89
%
 
9.43
%
 
8.14
%
 
 
 
 
 
 
 
 
Return on average assets
0.69
%
 
0.58
%
 
0.63
%
 
0.60
%
 
 
 
 
 
 
 
 
Yield on average interest-earning assets
3.77
%
 
3.87
%
 
3.81
%
 
3.87
%
Cost of average interest-bearing liabilities
0.80
%
 
0.92
%
 
0.85
%
 
0.77
%
Net interest rate spread
2.97
%
 
2.95
%
 
2.96
%
 
3.10
%
 

 

 

 

Net interest margin
3.18
%
 
3.18
%
 
3.18
%
 
3.30
%

5

Stewardship Financial Corporation
Selected Consolidated Financial Information
(dollars in thousands, except per share amounts)
(unaudited)
 
For the three months ended
 
December 31,
 
September 30,
 
June 30,
 
March 31,
 
December 31,
 
2016
 
2016
 
2016
 
2016
 
2015
 
 
 
 
 
 
 
 
 
 
Selected Operating Data:
 
 
 
 
 
 
 
 
 
Interest income
$
7,000

 
$
6,657

 
$
6,979

 
$
6,449

 
$
6,643

Interest expense
1,103

 
1,113

 
1,124

 
1,173

 
1,198

Net interest income
5,897

 
5,544

 
5,855

 
5,276

 
5,445

Provision for loan losses
(300
)
 
(250
)
 
(450
)
 
(350
)
 
(275
)
Net interest income after provision for loan losses
6,197

 
5,794

 
6,305

 
5,626

 
5,720

Noninterest income:
 
 
 
 
 
 
 
 
 
Fees and service charges
564

 
536

 
530

 
529

 
558

Bank owned life insurance
119

 
120

 
107

 
101

 
103

Gain on calls and sales of securities
1

 
6

 
32

 
24

 
17

Gain on sales of mortgage loans
94

 
33

 
19

 
18

 
24

Gain on sales of other real estate owned
30

 
—

 
6

 
—

 
30

Other
129

 
128

 
138

 
147

 
123

Total noninterest income
937

 
823

 
832

 
819

 
855

Noninterest expenses:
 
 
 
 
 
 
 
 
 
Salaries and employment benefits
2,735

 
2,788

 
2,742

 
2,715

 
2,719

Occupancy, net
396

 
400

 
404

 
398

 
422

Equipment
156

 
155

 
148

 
150

 
159

Data processing
481

 
485

 
477

 
472

 
467

FDIC insurance premium
21

 
100

 
90

 
106

 
106

Other
1,213

 
1,071

 
1,138

 
1,061

 
1,027

Total noninterest expenses
5,002

 
4,999

 
4,999

 
4,902

 
4,900

Income before income tax expense
2,132

 
1,618

 
2,138

 
1,543

 
1,675

Income tax expense
784

 
583

 
776

 
552

 
614

Net income
$
1,348

 
$
1,035

 
$
1,362

 
$
991

 
$
1,061

 
 
 
 
 
 
 
 
 
 
Weighted avg. no. of diluted common shares
6,119,693

 
6,115,987

 
6,111,729

 
6,092,351

 
6,086,249

Diluted earnings per common share
$
0.22

 
$
0.17

 
$
0.22

 
$
0.16

 
$
0.17

 
 
 
 
 
 
 
 
 
 
Return on average common equity
10.40
%
 
8.06
%
 
11.05
%
 
8.21
%
 
8.89
%
 
 
 
 
 
 
 
 
 
 
Return on average assets
0.69
%
 
0.54
%
 
0.74
%
 
0.55
%
 
0.58
%
 
 
 
 
 
 
 
 
 
 
Yield on average interest-earning assets
3.77
%
 
3.68
%
 
4.02
%
 
3.79
%
 
3.87
%
Cost of average interest-bearing liabilities
0.80
%
 
0.83
%
 
0.86
%
 
0.90
%
 
0.92
%
Net interest rate spread
2.97
%
 
2.85
%
 
3.16
%
 
2.89
%
 
2.95
%
 
 
 
 
 
 
 
 
 
 
Net interest margin
3.18
%
 
3.07
%
 
3.38
%
 
3.11
%
 
3.18
%



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