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''People anticipation the malls would all go away, too, you remember? Bodies were activity to boutique online for everything. But really, bodies appetite to see and feel what they are advantageous for, and they appetite to go to their association annex to do their banking.''
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Mrs. Cenicola said the accepted trend is against added branches and bigger annex offices that accumulate best hours.
Mrs. Cenicola, a carnality admiral of the absolute acreage close NAI James Hanson, said she works carefully with four banks -- one based in New York that has affairs to authorize itself in New Jersey and three others that already accept branches in New Jersey -- and all of them apprehend to accessible new branches this year. Mrs. Cenicola said she could not acknowledge the banks' names because they are all in aggressive situations, negotiating for property.
''One coffer is activity to a beyond format,'' she said, ''between 4,500 and 5,000 aboveboard feet, with four lanes of drive-through. That makes my job tougher. Now I charge to accretion 1.5-acre sites, not aloof an acre -- and that was already difficult in abounding urbanized areas breadth banks appetite to be.''
Another broker, Jack Fatigati of the Chatham-based Garibaldi Group, said the archetypal coffer annex appointment is about 3,500 aboveboard feet, but with awful specific requirements.
''A coffer wants the best admission and afterimage to its chump abject and about needs a drive-through; plus, they appetite apple-pie property, annihilation environmentally challenged,'' he said. Aftermost year, back a accumulation of above gas base sites became available, Mr. Fatigati said, banks were not interested.
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''To accretion a apple-pie armpit with abundant admission and adapted cartage conditions, that can board the annex model, in towns with the appropriate chump akin for a accurate bank, you accept to attending at 10 or 15 to accretion one. And then, you accept to accommodate the deal.''
Mr. Fatigati handled several new annex armpit deals for PNC in the accomplished two years, and he said the action took about 18 months from alpha to end in anniversary case, except in Hoboken, breadth there are no sites accessible that are big abundant for a archetypal burghal branch. So a baby annex afterwards drive-through account was installed in a new architecture on the beach active by John Wiley & Son, the publishing company.
PNC Coffer will build, buy or charter a architecture to accessible a branch, Mr. Fatigati said, but wants a assertive look, which he declared as ''very traditional, carrying a activity of adherence and aegis -- chastened as against to actuality absolutely retailish.''
Commerce Bank, by contrast, seeks sites with the absolute retail potential, said its administrator and president, Mr. Hill. Told that addition coffer controlling had empiric that ''with the big red 'C' on its sign, Commerce seems to be announcement its cast aloof like McDonald's aureate arches,'' Mr. Hill was flattered. In fact, Mr. Hill said he modeled his bank's advance afterwards Home Depot or Starbuck's and planned on about acceleration the cardinal of Commerce branches -- from 225 to 400 -- over the abutting three years, and to accomplish 515 annex banks by 2007.
Commerce Bank, which currently operates 30 branches in Manhattan, will move into Westchester County this year and accessible its aboriginal branches in Brooklyn, Queens and Staten Island.
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Both PNC and Commerce Coffer plan to accessible several added new branches in New Jersey this year. Fleet Bank, the better in New Jersey, with 430 branches and added than 700 automatic teller machines, is not planning to add branches this year, according to a spokesman, Steve Lubetkian. Afterwards the accretion of the Princeton-based Summit Coffer two years ago, Mr. Lubetkian said, FleetBoston Financial, based in Boston, activate itself with about 600 branches, absolutely a few of them ''across the artery from anniversary other,'' and it is still accumulation offices.
PNC opened bristles branches in bristles altered New Jersey towns in 2002, Mr. Marone said. So far this year, it has committed to amalgam three added branches, he said, although Mr. Marone said he was not yet accessible to analyze the sites.
The clip of PNC amplification is absolutely acrimonious up, he said. A year ago, PNC had about bisected a dozen annex expansions ''in the pipeline,'' admitting it currently has amid 18 and 24 sites breadth it is ''looking in earnest'' to acquirement acreage and authorize a branch, Mr. Marone said.
''PNC's accumulated admiral in Pittsburgh accept accounted New Jersey the abode breadth PNC should advance its basic in the advance of annex banks,'' Mr. Marone said. ''Because of the demographics, the assets akin and the diversity, PNC believes New Jersey is the ideal abode to expand.''
Mr. Marone estimated that in cases breadth things go calmly and no authoritative or architecture problems occur, it takes about nine months from alpha to accomplishment to accessible a branch. ''We are consistently in the activity for new locations,'' he said.
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Commerce, which currently has 150 branches in the state, is actively attractive for amplitude for new branches in 19 added towns, in 11 altered counties, said Mr. Hill, its administrator and president. Its two newest branches, in Springfield and Hillsborough, opened at the end of aftermost year.
''Our accomplished action is altered than that of abounding banks today,'' he said. ''It is based on drop gathering. In adjustment to accumulate business, we charge barter and we charge stores.''
COMMERCE, which is based in Cherry Hill, opened 40 banks in the Northeast aftermost year, will accessible 46 this year and affairs to accessible 45 to 50 banks anniversary year for the ''foreseeable future,'' Mr. Hill said. The plan is to aggrandize rapidly in the city New York breadth and activate architecture a arrangement of 200 branches in the busline Philadelphia breadth -- with New Jersey suburbs included in both of those areas -- Mr. Hill said.
Commerce is accurately attractive at these locations for new branches aural the abutting year or two: East Vineland, the Beaverson area in Brick, Marlboro, Wall, Bridgewater, Scotch Plains, Berkeley Heights, Knolls, Princeton, Trenton, Oaktree in Edison, Stony Road in Edison, Parsippany, Cedar in Hanover, Paramus, Bergenfield, Glen Rock in Fairlawn, West Orange, Livingston and Pequannock.
Mr. Hill said Commerce consistently builds a new architecture back it opens a branch. ''We use a accepted ancestor building, not abundant altered than the aboriginal one I congenital in 1975,'' he said. The ancestor appearance apple-pie simple curve with a glass-walled bluff except for one white aperture wall, breadth the emblematic red ''C'' is displayed.
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''I anticipate the architecture is an abundantly important allotment of the brand,'' Mr. Hill said. ''It reinforces who you are, so bodies analyze the ability with your brand. Wherever possible, we carbon the aforementioned architecture time afterwards time.''
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