Peapack-Gladstone Financial Corporation (PGC) 2010年年度报告「NASDAQ」.pdf

1、1FINANCIAL HIGHLIGHTS(IN THOUSANDS,EXCEPT PER SHARE DATA)SELECTED YEAR-END DATA:2010 2009 2008 NET INCOME/(LOSS)$7,664$7,126$(22,060)NET INCOME/(LOSS)AVAILABLE TO COMMON SHAREHOLDERS 5,978 5,633 (22,060)TOTAL ASSETS 1,505,425 1,512,353 1,385,425 TOTAL DEPOSITS 1,351,546 1,349,669 1,237,888 TOTAL INV

2、ESTMENT SECURITIES 415,353 361,943 225,274 TOTAL LOANS 932,497 983,537 1,052,982 TOTAL SHAREHOLDERS EQUITY 117,716 119,509 83,894 TRUST DEPARTMENT ASSETS UNDER ADMINISTRATION(MARKET VALUE)1,940,404 1,856,229 1,804,629 PER COMMON SHARE:EARNINGS/(LOSS)-BASIC$0.68$0.64$(2.53)EARNINGS/(LOSS)-DILUTED 0.6

3、8 0.64 (2.53)BOOK VALUE 11.03 10.57 9.64 FINANCIAL RATIOS:NET INTEREST MARGIN 3.64%3.58%3.68%RETURN ON AVERAGE ASSETS 0.52 0.49 (1.62)RETURN ON AVERAGE COMMON EQUITY 6.26 6.26 (20.74)REGULATORY CAPITAL RATIOS:TOTAL CAPITAL TO RISK-WEIGHTED ASSETS 14.16%13.71%10.05%TIER 1 CAPITAL TO RISK-WEIGHTED ASS

4、ETS 12.91 12.45 9.11 TIER 1 CAPITAL TO AVERAGE ASSETS 7.96 7.93 6.15 06 07 08 09 1006 07 08 09 1006 07 08 09 10$1.29$1.35$1.39$1.51$1.51$1.15$1.18$1.24$1.35$1.35$103.8$107.4$83.9$119.5$117.723DEAR SHAREHOLDERS AND FRIENDS,Most of us will remember 2010 as the year when we could feel some balance retu

5、rn to the markets and the economy.There seems to be more confidence that the job you have now will still be there in the future.Households dramatically increased their rate of savings.This new cushion will create security and confidence.At the same time,most households also began to reduce debt wher

6、e possible.That is called de-leveraging,and it takes time.In many cases it will take several years to bring debt levels into balance with asset values.Progress is being made.Customers create free cash to save and reduce debt by reducing spending wherever possible.This obviously affects businesses ev