Vitals
  • Total Assets
    1.6B -4.3 %
  • Total Deposits
    1.2B -2.5 %
  • Total Net Loans
    1.1B 2.3 %
  • Net Income
    4.0M -80.6 %
  • Book Value
    177.5M -11.4 %
  • Book Value x2
    355.0M -11.4 %
  • Book Value x3
    532.5M -11.4 %
ROAA

.245

ROAE

2.017

Efficiency Ratio

87.674

Net Interest Margin

3.891

Balance Sheet Highlights
Financial Highlights Interchange Bank All Insured Commercial Banks in New Jersey
Balance Sheet $(000)
Total Assets 1,566,192 522,628
Total Net Loans 1,125,454 374,392
Total Deposits 1,233,810 410,871
Total Equity 177,510 55,714
Profitability
Net Income 4,008 12,182
Return on Average Assets .245 1.143
Return on Average Equity 2.017 10.78
Net Interest Margin 3.891 3.775
Efficiency Ratio 87.674 80.57
Noninterest Income/Revenue 9.502 13.346
Balance Sheet Ratios
Loan-to-Deposit 91.218 80.992
Securities/Assets .162 .421
Total Equity/Total Assets .113 .107
Tangible Equity/Tangible Assets .066 -.027
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 107,165 47,574
Tier 2 Capital 11,587 5,310
Total Capital 118,752 52,213
Total Risk Weighted Assets 1,195,740 384,386
Leverage Ratio 6.98 10.735
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 8.96 14.792
Total Capital Ratio 9.93 15.86

Timeline for Interchange Bank

Td Bank, National Association

Interchange Bank was acquired by Td Bank, National Association 17 years

View Profile Jan 01 2007

Franklin Bank

Acquisition: Interchange Bank acquired a new subsidiary, Franklin Bank, 18 years

View Profile Oct 14 2005

Bridge View Bank

Acquisition: Interchange Bank acquired a new subsidiary, Bridge View Bank, 20 years

View Profile May 01 2003

Bridge View Investment Company

Bridge View Investment Company became a new subsidiary organization for Interchange Bank.

View Profile May 01 2003

Washington Interchange Corporation

Washington Interchange Corporation became a new subsidiary organization for Interchange Bank.

View Profile Sep 28 2000

Want to see more?

Complete timeline for Interchange Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Td Bank, National Association Buyer 264,527,851 Acquisition Discontinued 1/1/2007
Franklin Bank Seller 87,456 Acquisition Discontinued 10/14/2005
Bridge View Bank Seller 301,124 Acquisition Discontinued 5/1/2003
The Jersey Bank For Savings Seller 79,227 Pooling of Interests Discontinued 6/1/1998
Volunteer Federal Savings Association Seller 20,265 Failure 2/26/1994
Community Guardian Bank Seller 55,327 Failure 7/20/1991
Relationships Role Relationship Start Relationship End
Interchange Financial Services Corporation Parent 11/29/1986 12/31/2006
Clover Leaf Insurance Agency, Inc. Subsidary 3/10/1990 12/31/2006
Clover Leaf Investment Corporation, Inc. Subsidary 9/23/1988 12/31/2006
Bridge View Investment Company Subsidary 5/1/2003 12/31/2006
Interchange Capital Company, Llc Subsidary 10/29/1999 12/31/2006
Clover Leaf Management Realty Corporation Subsidary 11/18/1987 12/21/2005
Washington Interchange Corporation Subsidary 9/28/2000 9/28/2000
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