<SEC-DOCUMENT>0001171843-16-007439.txt : 20160128
<SEC-HEADER>0001171843-16-007439.hdr.sgml : 20160128
<ACCEPTANCE-DATETIME>20160127180013
ACCESSION NUMBER:		0001171843-16-007439
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20160127
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20160128
DATE AS OF CHANGE:		20160127

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ConnectOne Bancorp, Inc.
		CENTRAL INDEX KEY:			0000712771
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				521273725
		STATE OF INCORPORATION:			NJ
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-11486
		FILM NUMBER:		161366113

	BUSINESS ADDRESS:	
		STREET 1:		301 SYLVAN AVENUE
		CITY:			ENGLEWOOD CLIFFS
		STATE:			NJ
		ZIP:			07632
		BUSINESS PHONE:		2018168900

	MAIL ADDRESS:	
		STREET 1:		301 SYLVAN AVENUE
		CITY:			ENGLEWOOD CLIFFS
		STATE:			NJ
		ZIP:			07632

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CENTER BANCORP INC
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>f8k_012716.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd"><html><head></head><body style="FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><div style="margin-top: 3pt; margin-bottom: 12pt;"><div style="font-size: 1pt; border-top: Black 2.5pt solid; border-bottom: Black 1.1pt solid; width: 100%;">&#160;</div></div><p style="font-size: 14pt;" align="center"><strong>UNITED STATES</strong><br><strong>SECURITIES AND EXCHANGE COMMISSION</strong><br><strong>Washington, D.C. 20549<br></strong>______________________</p><p style="font-size: 14pt; text-transform: uppercase;" align="center"><strong>Form 8-K<br></strong>______________________</p><p style="font-size: 12pt;" align="center"><strong>CURRENT REPORT</strong></p><p style="font-size: 12pt;" align="center"><strong>Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</strong></p><p align="center">Date of Report (Date of earliest event Reported):&#160;January 27, 2016 </p><p align="center"><strong style="font-size: 14pt;">CONNECTONE BANCORP, INC.</strong><br>(Exact Name of Registrant as Specified in Charter)</p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td align="center" width="33%"><strong>New Jersey</strong></td><td align="center" width="34%"><strong>000-11486</strong></td><td align="center" width="33%"><strong>52-1273725</strong></td></tr><tr valign="top"><td align="center" width="33%">(State or Other Jurisdiction of Incorporation)</td><td align="center" width="34%">(Commission File Number)</td><td align="center" width="33%">(I.R.S. Employer Identification Number)</td></tr></table><p>&#160;</p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="bottom"><td align="center" width="50%"><strong>301 Sylvan Avenue, Englewood Cliffs, New Jersey 07632<!----></strong></td></tr><tr valign="top"><td align="center" width="50%">(Address of Principal Executive Offices) (Zip Code)</td></tr></table><p align="center"><strong>(201) 816-8900</strong><br>(Registrant's telephone number, including area code)</p><p align="center"><strong></strong><br>(Former name or former address, if changed since last report)</p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td colspan="3">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:<br><br></td></tr><tr valign="top"><td width="21">&#160;</td><td width="40">[ &#160; ]</td><td nowrap="nowrap">&#160;&#160;Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</td></tr><tr valign="top"><td width="21">&#160;</td><td width="40">[ &#160; ]</td><td nowrap="nowrap">&#160;&#160;Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</td></tr><tr valign="top"><td width="21">&#160;</td><td width="40">[ &#160; ]</td><td nowrap="nowrap">&#160;&#160;Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</td></tr><tr valign="top"><td width="21">&#160;</td><td width="40">[ &#160; ]</td><td nowrap="nowrap">&#160;&#160;Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</td></tr></table><div style="margin-top: 12pt; margin-bottom: 3pt;"><div style="font-size: 1pt; border-top: Black 1.1pt solid; border-bottom: Black 2.5pt solid; width: 100%;">&#160;</div>&#160;</div><hr style="page-break-after: always;" noshade="noshade"><p>  <strong> &#160;</strong></p><p><strong>Item 2.02. Results of Operations and Financial Condition.</strong></p><p> <p>The information in this section, including the information contained in the press release included as Exhibit 99.1 hereto, is being furnished pursuant to this Item 2.02 and shall not deemed to be "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section. In addition, this information shall not be deemed to be incorporated by reference into any of the Registrant's filings with the Securities and Exchange Commission, except as shall be expressly set forth by specific reference in any such filing.</p>    <p>On January&#160;27, 2016, the Registrant issued a press release announcing its operating results for the fourth&#160;quarter ended December 31, 2015. A copy of the January&#160;27, 2016 press release is included as Exhibit 99.1 hereto.</p> </p><p><strong>Item 9.01. Financial Statements and Exhibits.</strong></p><p> <p><em>(d) Exhibits.</em> The following is filed as an Exhibit to this Current Report on Form 8-K:</p>    <p><em>99.1 </em>Press Release dated January&#160;27, 2016</p> </p><p><p> </p><p>&#160;</p><hr style="page-break-after: always;" noshade="noshade"><p align="center"><strong>SIGNATURE</strong></p><p>Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td valign="top" width="49%">&#160;</td><td style="font-size: 12pt;" colspan="2" valign="top"><strong>CONNECTONE BANCORP, INC.</strong></td></tr><tr valign="top"><td width="49%">&#160;</td><td width="2%">&#160;</td><td width="49%">&#160;</td></tr><tr valign="top"><td width="49%">&#160;</td><td width="2%">&#160;</td><td width="49%">&#160;</td></tr><tr valign="top"><td width="49%">Date:&#160;January 27, 2016</td><td width="2%">By:&#160;</td><td style="text-decoration: underline;" width="49%">/s/ William S. Burns&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</td></tr><tr valign="top"><td width="49%">&#160;</td><td width="2%">&#160;</td><td width="49%">Name: William S. Burns</td></tr><tr valign="top"><td width="49%">&#160;</td><td width="2%">&#160;</td><td width="49%">Title: Executive Vice President and Chief Financial Officer</td></tr><tr valign="top"><td width="49%">&#160;</td><td width="2%">&#160;</td><td width="49%"></td></tr></table><p><hr style="page-break-after: always;" noshade="noshade"><p style="text-align: center;"><u><strong>EXHIBIT INDEX<br><br>CURRENT REPORT ON FORM 8-K</strong></u></p><p style="text-align: center;">&#160;</p><table border="0" cellspacing="0" cellpadding="0" style=""><tr><td style="text-decoration: underline;" valign="bottom"><strong>Exhibit No.</strong></td><td width="20">&#160;</td><td style="text-decoration: underline;" valign="bottom"><strong>Description</strong></td></tr><tr><td>&#160;</td><td width="20">&#160;</td><td>&#160;</td></tr><tr><td>99.1</td><td width="20">&#160;</td><td>Press Release dated January 27, 2016.</td></tr></table><p>&#160;</p><p>&#160;</p></p></body></html>
</TEXT>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>exh_991.htm
<DESCRIPTION>PRESS RELEASE
<TEXT>
<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN"><html lang="en-US"><head><title>EdgarFiling</title><meta content="text/html; charset=windows-1252"><meta name="GENERATOR" content="MSHTML 8.00.7601.18094"></head><body bgcolor="#ffffff"><p style="text-align: right;"><strong>EXHIBIT 99.1</strong></p><p style="text-align: center;"><strong>ConnectOne&#160;Bancorp,&#160;Inc.&#160;Reports&#160;Fourth&#160;Quarter&#160;and&#160;Full-Year&#160;2015&#160;Results;&#160;Organic&#160;Growth&#160;Momentum&#160;Continues;&#160;Total&#160;Assets&#160;Surpass&#160;$4&#160;Billion</strong></p><p style="text-align: center;"><p> <p align="left">ENGLEWOOD CLIFFS, N.J., Jan.  27, 2016  (GLOBE NEWSWIRE) -- ConnectOne Bancorp, Inc. (Nasdaq:CNOB) (the &#8220;Company&#8221; or &#8220;ConnectOne&#8221;), parent company of ConnectOne Bank (the &#8220;Bank&#8221;), today announced results for the fourth quarter ended December 31, 2015, the sixth full quarter following the Merger between the Company and legacy ConnectOne completed on July 1, 2014 (the &#8220;Merger&#8221;). Financial information prior to July 1, 2014 includes only the operations of the Company, the legal and accounting acquirer in the transaction. Concurrent with the Merger, the combined company changed its name to ConnectOne.<br></p>  <p align="justify">The Company reported net income available to common stockholders of $9.5 million, or $0.31 per diluted share, for the fourth quarter of 2015, compared with net income available to common stockholders of $8.0 million, or $0.27 per diluted share, for the fourth quarter of 2014. Net income available to common stockholders was $41.2 million, or $1.36 per diluted share, for the full-year 2015 compared with $18.5 million, or $0.79 per diluted share, for the full-year 2014.</p>  <p align="justify">In addition to the results presented in accordance with generally accepted accounting principles ("GAAP"), ConnectOne routinely supplements its evaluation with an analysis of certain non-GAAP financial measures including net income available to common stockholders excluding non-core items. ConnectOne believes these non-GAAP financial measures, in addition to the related GAAP measures, provide meaningful information to investors in understanding our operating performance and trends, and facilitates comparisons with the performance of peers. Reconciliations of non-GAAP disclosures used in this earnings release to the comparable GAAP measures are provided in the accompanying tables.</p>  <p align="justify">Fourth quarter 2015 results reflect the following non-core items, on an after-tax basis: $0.8 million fair value write-down for the pending disposition of a former Union Center operations building that had been repositioned in 2010 as a lease financing receivable; $0.8 million of income resulting from accretion of purchase accounting fair value marks; $0.7 million of net securities gains; $0.3 million in additional loan loss provision related to the&#160;maturity and extension of acquired portfolio loans; $1.5 million in an additional provision associated with the Bank&#8217;s New York City taxi medallion loan portfolio; $0.1 million of pension settlement expenses, which had no impact on total stockholders&#8217; equity or book value per share; and $0.1 million in amortization of intangible assets. Excluding non-core items, net income available to common stockholders was $10.8 million, up 10.9% from $9.7 million for the prior year quarter.&#160; Excluding non-core items, earnings per diluted share was $0.36 for the fourth quarter of 2015, up from $0.32 for the fourth quarter of 2014.</p>  <p align="justify">Frank Sorrentino, ConnectOne&#8217;s Chairman and CEO stated, &#8220;2015 marked another year of extraordinary accomplishments.&#160; Total footings surpassed $4 billion, fueled by 22% growth in our loan portfolio and 32% growth in noninterest-bearing demand deposits. Return on assets and tangible equity exceeded 1.10% and 13.5%, respectively, and our efficiency ratio was approximately 42%, among the best for banks of similar size. Operationally, to support our growth, we increased and enhanced our staff including management, lending and back-office.&#160; We opened our first office in New York City last May, and it is already profitable.&#160; 2015 was also a year of overcoming challenges and creating opportunities.&#160; We faced fierce competition from banks and over-capitalized thrifts, yet we were able to continue our growth trajectory without sacrificing credit quality or yield.&#160; In addition, during the year, our stock price came under pressure as result of our exposure to the taxi-medallion industry. &#160;Our medallion portfolio, which is relatively modest at approximately 3.3% of total loans, consists only of New York City &#8220;yellow&#8221; taxi medallions, where business continues to be vibrant and valuations appear to be stabilizing. Nevertheless, the industry will likely remain a source of potential volatility for the foreseeable future and, with that in mind, during the quarter we took an additional reserve, bringing our total specific reserves against the medallion portfolio to approximately 4.5%.&#8221;</p>  <p><strong>Operating Results</strong></p>  <p align="justify">Fully taxable equivalent net interest income for the fourth quarter of 2015 was $31.1 million, an increase of $2.0 million, or 6.8%, from the same quarter of 2014. This was a result of a 16.2% increase in average interest-earning assets, partially offset by a 31 basis-point contraction in the net interest rate margin. Included in net interest income was accretion and amortization of purchase accounting adjustments of $1.4 million during the fourth quarter of 2015 and $2.5 million in the fourth quarter of 2014.&#160; Excluding these purchase accounting adjustments, the adjusted net interest margin was 3.29% in the fourth quarter of 2015, 14 basis points lower than the 2014 fourth quarter adjusted net interest margin of 3.43%. The reduction in the adjusted net interest margin in the fourth quarter of 2015 versus the same 2014 period was attributable to a decline in yield on loans combined with an increase in funding costs.&#160; The decline in loan yields reflects the impact of a protracted low rate environment, while the increase in the cost of funds was due to an extension of liability duration consistent with management&#8217;s conservative approach to interest rate risk.&#160; The Bank&#8217;s interest rate risk models reflect significant asset sensitivity as of year-end indicating a projected positive impact from rising rates.</p>  <p align="justify">Noninterest income increased to $2.4 million in the fourth quarter of 2015 from $2.1 million in the fourth quarter of 2014, primarily due to an increase in net securities gains. Net securities gains increased to $1.1 million in the fourth quarter of 2015 from $0.7 million in the prior year period.&#160; Noninterest income also includes bank-owned life insurance income, deposit and loan fees, annuities and life insurance commissions, and gains on sales of residential mortgages in the secondary market. In total, noninterest income represents a relatively small portion of the Bank&#8217;s total revenue.</p>  <p align="justify">Noninterest expenses totaled $13.6 million for the fourth quarter of 2015 compared with $11.0 million for the same quarter of 2014 after excluding $1.8 million of merger-related charges and a $2.4 million wire fraud charge. The increase in operating expenses for the fourth quarter of 2015 from the prior year period was primarily attributable to increased salaries and employee benefits, occupancy and professional fees associated with the Company&#8217;s strong organic growth. The Company&#8217;s operating efficiency ratio was 42.8% in the 2015 fourth quarter, 41.9% in the 2015 third quarter and 38.4% in the 2014 fourth quarter.</p>  <p align="justify">Income tax expense was $4.6 million and $5.0 million for the fourth quarter of 2015 and 2014, respectively, resulting in effective tax rates of 32.5% and 38.3% for the fourth quarter of 2015 and 2014, respectively. The higher effective tax rate for 2014 reflects a relatively higher percentage of taxable income and lower level of tax-deductible expenses due to the merger.</p>  <p align="justify"><strong>Asset Quality</strong></p>  <p align="justify">The provision for loan losses increased to $5.1 million in the fourth quarter of 2015, compared with $2.5 million in the fourth quarter of 2014. Included in the 2015 provision was $2.5 million in additional provisioning related to the taxi cab medallion loan portfolio and a $1.3 million pre-tax charge related to the pending sale of Union Center&#8217;s former operations center that was repositioned as a lease financing receivable. &#160;Nonperforming assets, which includes nonaccrual loans and other real estate owned, were $23.3 million at December 31, 2015, $16.1 million at September 30, 2015, and $12.7 million at December 31, 2014. The increase in nonperforming assets at year-end 2015 was largely attributable to credits of one borrower, the sale of which is currently being negotiated. Nonperforming assets as a percent of total assets were 0.58% at December 31, 2015, 0.42% at September 30, 2015, and 0.37% at December 31, 2014. Annualized net charge-offs were 0.00% for the fourth quarter 2015 and 0.07% in the fourth quarter of 2014. The allowance for loan losses was $26.6 million, representing 0.86% of loans receivable and 128.1% of nonaccrual loans at December 31, 2015.&#160;&#160; At September 30, 2015, the allowance was $21.5 million representing 0.73% of loans receivable and 167.1% of nonaccrual loans and, at December 31, 2014, the allowance was $14.2 million representing 0.56% of loans receivable and 122.0% of nonaccrual loans. In purchase accounting, any allowance for loan losses on an acquired loan portfolio is reversed and a credit risk discount is applied directly to the acquired loan balances. In Management&#8217;s opinion, a useful non-GAAP metric is the ratio of allowance for loan losses plus the credit risk discount to total loans receivable. This non-GAAP ratio was 1.28% at December 31, 2015, 1.20% at September 30, 2015, and 1.23% at December 31, 2014.</p>  <p align="justify">As of December 31, 2015, taxi medallion loans, all of which are secured by New York City taxi medallions, totaled $103.2 million, of which $99.9 million was current and $3.3 million was past due 30-60 days. &#160;Troubled debt restructurings associated with this portfolio totaled $78.5 million.&#160; The average loan-to-value ratio of the medallion portfolio was approximately 90% assuming valuations of $800 thousand for corporate and $700 thousand for individual.</p>  <p align="justify"><strong>Selected Balance Sheet Items</strong></p>  <p align="justify">At December 31, 2015, the Company&#8217;s total assets were $4.0 billion, an increase of $568 million from December 31, 2014. Loans receivable were $3.1 billion, reflecting net loan growth (loan originations less pay-downs and pay-offs) of $560 million from December 31, 2014, primarily attributable to multi-family ($225 million), other commercial real estate ($107 million), commercial and industrial (&#8220;C&amp;I&#8221;) ($77 million) and construction ($151 million). Management&#8217;s current intent is to maintain a multi-family portfolio concentration in the range of 25-30% of total loans, while growing the C&amp;I and construction segments. The growth in loans was funded with increases in deposits, borrowings and subordinated debt.</p>  <p align="justify">The Company&#8217;s stockholders&#8217; equity was $477 million at December 31, 2015, an increase of $31 million from December 31, 2014. The increase in stockholders&#8217; equity was due to a $32 million increase in retained earnings and approximately $3 million of equity issuance related to stock-based compensation, including the exercise of options, partially offset by a $4 million decrease in accumulated other comprehensive income, primarily attributable to a decrease in unrealized gains on available for sale securities. As of December 31, 2015, the Company&#8217;s tangible common equity ratio and tangible book value per share were 8.18% and $10.51, respectively. As of December 31, 2014, the tangible common equity ratio and tangible book value per share were 8.62% and $9.57, respectively. Total goodwill and other intangible assets were $150 million as of December 31, 2015, a decrease of $0.9 million from December 31, 2014.</p>  <p><strong>About ConnectOne Bancorp, Inc.</strong></p>  <p align="justify">ConnectOne is a New Jersey corporation and a registered bank holding company pursuant to the Bank Holding Company Act of 1956, as amended, and serves as the holding company for ConnectOne Bank ("the Bank"). The Bank is a community-based, full-service New Jersey-chartered commercial bank that was founded in 2005. The Bank operates from its headquarters located at 301 Sylvan Avenue in the Borough of Englewood Cliffs, Bergen County, New Jersey, and through its 21 other banking offices.</p>  <p align="justify">For more information visit https://www.connectonebank.com/.</p>  <p><strong>Forward-Looking Statements </strong></p>  <p align="justify"><strong>This news release contains certain forward-looking statements which are based on certain assumptions and describe future plans, strategies and expectations of the Company. These forward-looking statements are generally identified by use of the words "believe," "expect," "intend," "anticipate," "estimate," "project," or similar expressions. The Company's ability to predict results or the actual effect of future plans or strategies is inherently uncertain. Factors which could have a material adverse effect on the operations of the Company and its subsidiaries include, but are not limited to, those factors set forth in Item 1A &#8211; Risk Factors of the Company&#8217;s Annual Report on Form 10-K, as filed with the Securities Exchange Commission, and changes in interest rates, general economic conditions, legislative/regulatory changes, monetary and fiscal policies of the U.S. Government, including policies of the U.S. Treasury and the Federal Reserve Board, the quality or composition of the loan or investment portfolios, demand for loan products, deposit flows, competition, demand for financial services in the Company's market area and accounting principles and guidelines. These risks and uncertainties should be considered in evaluating forward-looking statements and undue reliance should not be placed on such statements. 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text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 117,153</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 79,399</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="text-align: justify ;  vertical-align: bottom; vertical-align: middle ; ">&#160; Provision for loan and lease losses</td><td style="text-align: justify ; 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">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; (150,934</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">)</td><td style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">Average tangible assets</td><td style="border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="border-bottom: double black 3pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 3,741,926</td><td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; 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vertical-align: bottom ; ">&#160; 3,218,468</td><td style="border-bottom: double black 3pt ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">Return on avg. assets (GAAP)</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; 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">Borrowings</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 617,024</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 2,159</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; text-align: right ;  vertical-align: bottom; 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padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 40</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; text-align: right ;  vertical-align: bottom; ">&#160; 3.08</td><td style="vertical-align: bottom ; ">%</td><td style="vertical-align: bottom ; ">&#160;</td></tr><tr><td colspan="4" style="vertical-align: bottom ; "><strong>&#160; </strong><strong>Total interest-bearing liabilities</strong></td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; 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">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-left: solid black 1pt ; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 481,870</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; text-align: right ;  vertical-align: bottom; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td></tr><tr><td colspan="2" style="vertical-align: bottom ; ">Other liabilities</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; 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vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 17,949</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; text-align: right ;  vertical-align: bottom; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td></tr><tr><td colspan="4" style="vertical-align: bottom ; "><strong>&#160; </strong><strong>Total noninterest-bearing liabilities</strong></td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; 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">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td></tr></table></p><p>Investor&#160;Contact:<br>William&#160;S.&#160;Burns<br>Executive&#160;VP&#160;&&#160;CFO<br>201.816.4474;&#160;bburns@cnob.com<br><br>Media&#160;Contact:<br>Christine&#160;Marra,&#160;MWW<br>646.215.6888;&#160;cmarra@mww.com</p></body></html>
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