North Jersey Community Bank

North Jersey Community Bank is headquartered in Englewood Cliffs and is the 29^th largest bank in the state of New Jersey. It is also the 869^th largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 84 employees at 8 locations. North Jersey Community Bank has a 4-star health rating.

North Jersey Community Bank Routing Number: 021213944

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Data for Q1 2012

Institution Statistics North Jersey Community Bank FDIC Certificate # 57919 BankRate Report View Year Established 2005 Employees 84 Primary Regulator FDIC Assets and Liabilities Assets $762.87 million Loans $680.04 million Deposits $625.61 million Equity Capital $64.49 million Loan Loss Allowance $10.38 million Unbacked Noncurrent Loans $6.42 million Historic Data - March 2011 Assets $630.91 million Equity Capital $51.75 million Loan Loss Allowance $8.02 million Unbacked Noncurrent Loans $7.75 million Profit Margin - Quarterly Net Interest Margin 4.27% Return on Assets 0.99% Return on Equity 12.16% Interest Income $9.25 million

Institution Health Overall Score: 4 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 North Jersey Community Bank had $6.42 million in non-current loans and owned real-estate with $74.87 million in equity and loan loss allowances on hand to cover it. This gives North Jersey Community Bank a Texas Ratio of 8.58% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for North Jersey Community Bank decreased slightly from 12.96% as of March 31, 2011 to 8.58% as of March 31, 2012, resulting in a positive change of 33.82%.This indicates that the balance sheet and financial strength for North Jersey Community Bank has improved slightly in recent periods. Deposit Growth In the past year, North Jersey Community Bank has increased its total deposits by $118.13 million, resulting in 23.28% 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 North Jersey 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. North Jersey Community Bank has $762.87 million in assets with $74.87 million in equity, resulting in a capitalization level of 9.81%, which is average.

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