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Profile - Interchange Financial (NasdaqNM:IFCJ)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | Research | SEC | Msgs | Insider | Financials
Upcoming Events
Oct 12Dividend payment of $0.135
Location
Park 80 West, Plaza Two
Saddle Brook, NJ 07663
Phone: (201) 703-2265
Fax: (201) 843-3945
Employees (last reported count): 206
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Free Annual Report
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Company Website
 ·Home Page

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Ownership
·Insider and 5%+ Owners: 20%
·Over the last 6 months:
 · 2 insider buys; 4,000  shares (0.3% of insider shares)
 · 2 insider sells; 5,000  shares
  (0.4% of insider shares)
·Institutional: 21% (26% of float)
(26 institutions)
·Net Inst. Buying: 68.0K shares (+4.77%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Interchange Financial Services Corp. is a bank holding company of Interchange Bank. The Bank is a full-service commercial bank and is a member of the Federal Reserve System. Interchange Bank offers banking services for individuals and businesses through its 17 banking offices and one supermarket mini-branch in Bergen County, New Jersey. Through the Bank, the Company offers a wide range of consumer banking services, including checking and savings accounts, money-market accounts, certificates of deposit, individual retirement accounts, residential mortgages, home equity lines of credit and other second mortgage loans, home improvement loans, automobile loans, personal loans and overdraft protection. The Bank also offers a VISA credit card and several convenience products, including the Interchange Check Card, which permits customers to access their checking accounts by using the card when making purchases.
More from Market Guide: Expanded Business Description

Financial Summary
IFCJ is a bank holding company for Interchange State Bank. The Company operates 17 banking offices in NJ. For the six months ended 6/30/01, interest income rose 10% to $29.2 million. Net interest income after loan loss provision rose 9% to $16.1 million. Net income rose 15% to $4.8 million. Net interest income reflects higher interest earning assets on loans, partially offset by increased interest on deposits. Earnings reflect increased service fees on deposit accounts.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Compensation
PayExer

Anthony Andora, 70
Chairman
--  --  
Anthony Abbate, 61
Pres, CEO, Director
$639K$82K
Jeremiah O'Connor, 67
Vice Chairman
--  --  
Anthony Labozzetta, 37
Exec. VP, CFO
238K--  
Patricia Arnold, 42
Sr. VP, Commercial Lending
190K--  
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc.; "Exer" is the value of options excercised during the fiscal year.
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqNM:IFCJAs of 31-Aug-2001
Price and Volume
52-Week Low
on 6-Sep-2000
$12.75 
Recent Price$18.50 
52-Week High
on 16-Jan-2001
$18.875
Beta0.38 
Daily Volume (3-month avg)3,727 
Daily Volume (10-day avg)4,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change+41.0%
52-Week Change
relative to S&P500
+89.1%
Share-Related Items
Market Capitalization$120.7M
Shares Outstanding6.53M
Float5.20M
Dividends & Splits
Annual Dividend (indicated)$0.54 
Dividend Yield2.92%
Last Split: 3 for 2 on 20-Apr-1998
Per-Share Data
Book Value (mrq)$10.03 
Earnings (ttm)$1.51 
Earnings (mrq)$0.38 
Sales (ttm)$8.91 
Cash (mrq)$3.25 
Valuation Ratios
Price/Book (mrq)1.84 
Price/Earnings (ttm)12.28 
Price/Sales (ttm)2.08 
Income Statements
Sales (ttm)$58.4M
EBITDAN/A 
Income available to common (ttm)$9.88M
Profitability
Profit Margin (ttm)16.9%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)1.26%
Return on Equity (ttm)16.04%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0 
Total Cash (mrq)$21.2M
Short Interest
As of 8-Aug-2001
Shares Short0 
Shares Short
(Prior Month)
0 
Daily Volume6,000 
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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