North Jersey Community Bank

North Jersey Community Bank is headquartered in Englewood Cliffs and is the 24^th largest bank in the state of New Jersey. It is also the 660^th largest bank in the nation. It was established in 2005 and as of March of 2013, it had grown to 93 employees at 8 locations. North Jersey Community Bank has a 5-star health rating.

North Jersey Community Bank Routing Number: 021213944

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Data for Q1 2013

Institution Statistics ConnectOne Bank FDIC Certificate # 57919 BankRate Report View Year Established 2005 Employees 93 Primary Regulator FDIC Assets and Liabilities Assets $1.01 billion Loans $887.93 million Deposits $799.08 million Equity Capital $122.44 million Loan Loss Allowance $13.64 million Unbacked Noncurrent Loans $7.50 million Real Estate Owned $433,000 Historic Data - March 2012 Assets $762.87 million Equity Capital $64.49 million Loan Loss Allowance $10.38 million Unbacked Noncurrent Loans $6.42 million Profit Margin - Quarterly Net Interest Margin 3.99% Return on Assets 0.97% Return on Equity 9.6% Interest Income $10.93 million

Institution Health Overall Score: 5 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, 2013 North Jersey Community Bank had $7.93 million in non-current loans and owned real-estate with $136.08 million in equity and loan loss allowances on hand to cover it. This gives North Jersey Community Bank a Texas Ratio of 5.83% which is excellent. 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 8.58% as of March 31, 2012 to 5.83% as of March 31, 2013, resulting in a positive change of 32.04%.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 $173.47 million, resulting in 27.73% 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 $1.01 billion in assets with $136.08 million in equity, resulting in a capitalization level of 13.53%, which is excellent.

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