First Hope Bank, A National Banking Association

First Hope Bank, A National Banking Association is headquartered in Hope and is the 52^nd largest bank in the state of New Jersey. It is also the 1,620^th largest bank in the nation. It was established in 1911 and as of March of 2012, it had grown to 173 employees at 6 locations. First Hope Bank, A National Banking Association's savings rates are 2X the national average, and it has a 3-star health rating.

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Data for Q1 2012

Institution Statistics First Hope Bank, A National Banking Association FDIC Certificate # 6354 BankRate Report View Year Established 1911 Employees 173 Primary Regulator OCC Assets and Liabilities Assets $411.20 million Loans $286.90 million Deposits $344.59 million Equity Capital $36.10 million Loan Loss Allowance $4.16 million Unbacked Noncurrent Loans $7.11 million Real Estate Owned $700,000 Historic Data - March 2011 Assets $402.82 million Equity Capital $32.37 million Loan Loss Allowance $3.97 million Unbacked Noncurrent Loans $5.56 million Profit Margin - Quarterly Net Interest Margin 3.93% Return on Assets 0.37% Return on Equity 4.31% Interest Income $4.23 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 March 31, 2012 First Hope Bank, A National Banking Association had $7.81 million in non-current loans and owned real-estate with $40.25 million in equity and loan loss allowances on hand to cover it. This gives First Hope Bank, A National Banking Association a Texas Ratio of 19.41% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Hope Bank, A National Banking Association held steady from 15.30% as of March 31, 2011 to 19.41% as of March 31, 2012, resulting in a negative change of 26.90%. This indicates that the balance sheet and financial strength for First Hope Bank, A National Banking Association has held steady in recent periods. Deposit Growth In the past year, First Hope Bank, A National Banking Association has increased its total deposits by $2.6 million, resulting in 0.76% 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 First Hope Bank, A National Banking Association has shown is average. 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. First Hope Bank, A National Banking Association has $411.2 million in assets with $40.25 million in equity, resulting in a capitalization level of 9.79%, which is average.