Shore Community Bank

Shore Community Bank is headquartered in Toms River and is the 78^th largest bank in the state of New Jersey. It is also the 3,060^th largest bank in the nation. It was established in 1997 and as of March of 2012, it had grown to 54 employees at 6 locations. Shore Community Bank's savings rates are 44% higher than the national average, and it has a 3-star health rating.

Shore Community Bank Routing Number: 031207678

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Data for Q1 2012

Institution Statistics Shore Community Bank FDIC Certificate # 34253 BankRate Report View Year Established 1997 Employees 54 Primary Regulator FDIC Assets and Liabilities Assets $204.60 million Loans $111.23 million Deposits $166.04 million Equity Capital $20.79 million Loan Loss Allowance $2.00 million Unbacked Noncurrent Loans $6.85 million Real Estate Owned $2.13 million Historic Data - March 2011 Assets $206.62 million Equity Capital $19.59 million Loan Loss Allowance $2.49 million Unbacked Noncurrent Loans $8.41 million Real Estate Owned $940,000 Profit Margin - Quarterly Net Interest Margin 3.57% Return on Assets 0.42% Return on Equity 4.13% Interest Income $2.29 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 Shore Community Bank had $8.98 million in non-current loans and owned real-estate with $22.79 million in equity and loan loss allowances on hand to cover it. This gives Shore Community Bank a Texas Ratio of 39.40% 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 Shore Community Bank held steady from 42.33% as of March 31, 2011 to 39.40% as of March 31, 2012, resulting in a positive change of 6.91%.This indicates that the balance sheet and financial strength for Shore Community Bank has held steady in recent periods. Deposit Growth In the past year, Shore Community Bank has decreased its total deposits by -$3.2 million, resulting in -1.89% 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 Shore Community Bank has shown is below 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. Shore Community Bank has $204.6 million in assets with $22.79 million in equity, resulting in a capitalization level of 11.14%, which is above average.

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