PackageTrendsPeer
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Bergen Commercial Bank

Paramus, NJ · Cert 27180

FDIC

Q4 2005

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2005, the quarter ended December 31, 2005, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Bergen Commercial Bank

Paramus, NJ · Cert 27180

FDIC

Q4 2005

$292.2MAssets
$227.2MLoans
$234.0MDeposits
$26.7MEquity
Loan mix
81%RE $55.5M19%C&I $13.0M0%Consumer $0.0MQ4 2004Q4 2005
Deposit mix
71%Interest-bearing $167.2M29%Noninterest $66.8MQ4 2004Q4 2005

NIM

4.97%Q4 ’034.84%Q4 ’045.61%Q4 ’05-3%+10%

Non-interest income vs. expense

2.55%Q4 ’032.26%Q4 ’042.32%Q4 ’05-6%+10%

Executive Summary

  • Earnings: ROA of 1.42%, up 1 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 97.10% of deposits as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

1.42%+1 bps YoY

Net Interest Margin (YTD, annualized)

4.00%+38 bps YoY

Efficiency Ratio (YTD, annualized)

50.91%-197 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets1.40%1.34%1.32%1.35%1.42%+1 bps
Return on Equity17.06%15.39%15.33%16.08%16.53%-53 bps
Net Interest Margin3.62%4.00%3.84%3.89%4.00%+38 bps
Efficiency Ratio52.88%54.37%54.29%52.56%50.91%-197 bps
Non-Interest Burden1.61%1.88%1.81%1.78%1.76%+15 bps
Growth
Asset Growth (YoY)16.43%15.27%18.22%24.48%10.69%-574 bps
Loan Growth (YoY)23.04%20.63%18.50%11.59%6.77%-1,627 bps
Deposit Growth (YoY)15.56%10.94%19.02%26.78%16.82%+126 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%-0.03%-0.01%-0.01%0.01%-1 bps
Allowance / Loans1.27%1.28%1.27%1.27%1.34%+7 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital10.84%11.15%11.27%11.15%11.78%+94 bps
Equity / Assets8.96%8.48%8.35%7.99%9.15%+19 bps
Liquidity & Funding
Loans / Deposits106.24%96.54%89.35%86.39%97.10%-914 bps
Liquid Assets / Assets5.00%6.84%8.14%8.07%9.83%+482 bps
CRE / Total Capitaln/an/an/an/an/an/an/a