PackageTrendsPeer
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Community Bank of Bergen County, N.J.

Maywood, NJ · Cert 571

FDIC · 3 branches

Q4 2017

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 2017, the quarter ended December 31, 2017, 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 2026-10-11

Community Bank of Bergen County, N.J.

Maywood, NJ · Cert 571

FDIC · 3 branches

Q4 2017

$346.5MAssets
$241.1MLoans
$303.3MDeposits
$29.6MEquity
Loan mix
98%RE $215.2M2%C&I $3.7M1%Consumer $1.4MQ4 2016Q4 2017
Deposit mix
78%Interest-bearing $236.1M22%Noninterest $67.2MQ4 2016Q4 2017

NIM

3.88%Q4 ’153.74%Q4 ’163.67%Q4 ’17-3%-4%

Non-interest income vs. expense

2.58%Q4 ’152.61%Q4 ’162.73%Q4 ’17-1%+3%

Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2017 SOD (annual) · 0.0% share · #131 of 210 inst. · $0.3B of $1816.5B

Executive Summary

  • Earnings: ROA of 0.16%, down 34 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 1.70% of loans (+170 bps YoY), with net charge-offs at 0.15%.
  • Capital: tier 1 leverage ratio of 8.57%, up 12 bps from a year ago.
  • Funding: loans stand at 79.47% of deposits as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

0.16%-34 bps YoY

Net Interest Margin (YTD, annualized)

3.06%-11 bps YoY

Efficiency Ratio (YTD, annualized)

82.45%+524 bps YoY

Tier 1 Leverage Ratio

8.57%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets0.50%0.46%0.42%0.40%0.16%-34 bps
Return on Equity5.76%5.50%5.04%4.75%1.91%-385 bps
Net Interest Margin3.17%3.00%2.99%3.05%3.06%-11 bps
Efficiency Ratio77.21%77.85%80.37%81.37%82.45%+524 bps
Non-Interest Burden2.40%2.30%2.35%2.43%2.48%+8 bps
Growth
Asset Growth (YoY)4.89%8.66%5.91%3.99%1.25%-364 bps
Loan Growth (YoY)-0.85%0.13%2.21%3.68%5.15%+600 bps
Deposit Growth (YoY)5.88%10.83%7.10%2.16%-1.48%-736 bps
Asset Quality
Nonperforming Loans / Loans0.00%2.60%2.33%2.43%1.70%+170 bps
Net Charge-Offs / Loans0.17%0.23%0.22%0.20%0.15%-2 bps
Allowance / Loans1.37%1.27%1.23%1.16%1.15%-22 bps
Allowance Coverage of NPLsn/a0.5x0.5x0.5x0.7xn/a
Capital
Tier 1 Leverage Ratio8.45%8.23%8.30%8.57%8.57%+12 bps
Total Risk-Based Capital15.69%15.47%15.95%15.75%15.61%-8 bps
Equity / Assets8.38%8.25%8.65%8.67%8.54%+16 bps
Liquidity & Funding
Loans / Deposits74.46%73.40%74.91%77.61%79.47%+501 bps
Liquid Assets / Assets3.92%4.60%3.45%3.47%1.98%-194 bps
CRE / Total Capitaln/an/an/an/an/an/an/a