BCB Community Bank

BCB Community Bank is headquartered in Bayonne and is the 21^st largest bank in the state of New Jersey. It is also the 537^th largest bank in the nation. It was established in 2000 and as of December of 2011, it had grown to 225 employees at 11 locations. BCB Community Bank has a 3-star health rating.

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Data for Q4 2011

Institution Statistics BCB Community Bank FDIC Certificate # 35541 BankRate Report View Year Established 2000 Employees 225 Primary Regulator FDIC Assets and Liabilities Assets $1.22 billion Loans $846.62 million Deposits $977.67 million Equity Capital $104.09 million Loan Loss Allowance $7.43 million Unbacked Noncurrent Loans $46.24 million Real Estate Owned $6.57 million Historic Data - December 2010 Assets $1.11 billion Equity Capital $102.55 million Loan Loss Allowance $6.49 million Unbacked Noncurrent Loans $39.24 million Real Estate Owned $3.60 million Profit Margin - Quarterly Net Interest Margin 3.73% Return on Assets 0.56% Return on Equity 6.06% Interest Income $52.79 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 BCB Community Bank had $52.81 million in non-current loans and owned real-estate with $111.52 million in equity and loan loss allowances on hand to cover it. This gives BCB Community Bank a Texas Ratio of 47.36% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for BCB Community Bank increased slightly from 39.29% as of December 31, 2010 to 47.36% as of December 31, 2011, resulting in a negative change of 20.51%. This indicates that the balance sheet and financial strength for BCB Community Bank has declined slightly in recent periods. Deposit Growth In the past year, BCB Community Bank has increased its total deposits by $91.22 million, resulting in 10.29% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth BCB Community Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. BCB Community Bank has $1.22 billion in assets with $111.52 million in equity, resulting in a capitalization level of 9.16%, which is average.

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