Lakeland Bancorp Inc. (LBAI) 2008年年度报告「NASDAQ」.pdf

1、4 0 years of stability and growth2 0 0 8A N N U A L R E P O R TLakeland Bank is and will remain a community-focused financial institution committed to providing shareholders with returns that consistently exceed those of our peers.We will provide a challenging yet rewarding environment for our emplo

2、yees,who will foster the delivery of superior customer service that exceeds customerexpectations by understanding and anticipating their financial needs each and every time we interact with them.Our Mission StatementOur Core Values Increase shareholder value Keep customers at the forefront ofeveryth

3、ing we do Understand and satisfy our customers needs Teamworktreat our fellow employeeswith dignity and respect Communicate clearly and honestly Provide career advancement opportunities within our organization Give back to our communities Embrace change Celebrate success20062007200820052006$1,592200

4、7$1,887$2,0352005$1,313200620072008$1,861$1,987$2,0562005$1,798$89$72$70$672008FOR THE YEAR200820072006Net Income$15,165$17,988$16,977Return on Average Assets0.59%0.76%0.76%Return on Average Stockholders Equity6.99%8.81%8.85%Net Interest Margin3.79%3.41%3.39%Efficiency Ratio54.80%63.18%62.28%Dividen

5、ds Paid$9,400$8,859$8,517PER SHARE DATA(1)Earnings Per Share:Basic$0.65$0.78$0.73 Diluted$0.64$0.77$0.73 Cash Dividends Per Common Share$0.40$0.38$0.37 Book Value Per Common Share$9.33$9.09$8.61 Weighted Average Shares Outstanding:Basic23,46523,18723,141Diluted23,54923,28523,292 AT YEAR ENDTotal Loa

6、ns$2,034,831$1,886,535$1,591,644 Total Deposits2,056,1331,987,4051,860,627Total Assets2,642,6252,513,7712,263,573Stockholders Equity220,941211,599199,500 Loans to Deposits98.96%94.92%85.54%Ratio of Net Charge-offs to Average Loans Outstanding0.68%0.28%0.10%Ratio of Non-performing Assets to Total Ass