Women's Access to Mortgage Lending in NJ--Appendix I

WOMEN'S ACCESS TO MORTGAGE LENDING IN NEW JERSEY

Report to New Jersey Citizen Action

May 12, 1997

APPENDIX I

Tables and Figures

Table 1 - Analysis of All Statewide and Top 50 Overall Totals

Table 2 - Top 50 Lending Institutions - Ranked by Application Ratios

		Total Applications
		Female		Male
	All Apps	Fem Apps	% of All Apps	Mal Apps	% of All Apps	Fem:Mal Ratio of Apps

STATEWIDE	111,449	22,006	19.7%	89,443	80.3%	0.25
TOP 50	40,484	8,031	19.8%	32,453	80.2%	0.25
Respondent
Midlantic Bank, NA	854	322	37.7%	532	62.3%	0.61
First Fidelity Urban Inves Corp.	147	53	36.1%	94	63.9%	0.56
New Jersey National Bank	391	131	33.5%	260	66.5%	0.50
Chemical Bank New Jersey NA	1,293	398	30.8%	895	69.2%	0.44
Natwest Bank New Jersey	507	150	29.6%	357	70.4%	0.42
Bank Of Mid-Jersey	200	52	26.0%	148	74.0%	0.35
Roma Federal Savings Bank	134	35	26.1%	99	73.9%	0.35
Anchor Savings Bank, F.S.B	561	138	24.6%	423	75.4%	0.33
United Jersey Bank	2,396	599	25.0%	1797	75.0%	0.33
Garden State Bank	223	54	24.2%	169	75.8%	0.32
Fleet Real Estate Funding	1,615	394	24.4%	1221	75.6%	0.32
Bankers Savings	556	131	23.6%	425	76.4%	0.31
First Fidelity Bank, NA	3,433	802	23.4%	2631	76.6%	0.30
Valley National Bank	407	92	22.6%	315	77.4%	0.29
South Jersey Savings And Loan	207	45	21.7%	162	78.3%	0.28
Commerce Bank NA	237	51	21.5%	186	78.5%	0.27
PNC Mortgage Corp. Of America	3,558	729	20.5%	2829	79.5%	0.26
West Jersey Community Bank	175	36	20.6%	139	79.4%	0.26
Ocean Federal Savings Bank	779	156	20.0%	623	80.0%	0.25
Manasquan Savings Bank	147	27	18.4%	120	81.6%	0.23
Corestates Mortgage Services	185	34	18.4%	151	81.6%	0.23
Sovereign Bank, F.S.B.	1,144	213	18.6%	931	81.4%	0.23
First Savings Bank, SLA	224	42	18.8%	182	81.3%	0.23
World Savings And Loan Assoc.	672	119	17.7%	553	82.3%	0.22
Columbia Savings Bank, SLA	600	110	18.3%	490	81.7%	0.22
Trenton Savings Bank	200	35	17.5%	165	82.5%	0.21
Meridian Mortgage Corporation	1,336	236	17.7%	1100	82.3%	0.21
Minotola National Bank	159	26	16.4%	133	83.6%	0.20
Collective Bank	2,584	425	16.4%	2159	83.6%	0.20
Central Jersey Bank & Trust Co.	200	33	16.5%	167	83.5%	0.20
Lakeland Savings Bank	258	43	16.7%	215	83.3%	0.20
Chemical Residential Mortgage	851	142	16.7%	709	83.3%	0.20
Farmers & Mechanics Bank	191	32	16.8%	159	83.2%	0.20
Natwest Home Mortgage Corp	994	169	17.0%	825	83.0%	0.20
First Union Mortgage Corp.	251	40	15.9%	211	84.1%	0.19
New Jersey Savings Bank	150	24	16.0%	126	84.0%	0.19
Chase Manhattan Mortgage Corp.	4,177	670	16.0%	3507	84.0%	0.19
Ocean City Home S & L Assoc.	129	21	16.3%	108	83.7%	0.19
Cape Savings Bank	213	32	15.0%	181	85.0%	0.18
Hudson City Savings Bank	2,454	373	15.2%	2081	84.8%	0.18
Provident Savings Bank	1,337	206	15.4%	1131	84.6%	0.18
Monarch Savings Bank ,F.S.B	141	20	14.2%	121	85.8%	0.17
Investors Savings Bank	254	37	14.6%	217	85.4%	0.17
Summit Bank	2,577	379	14.7%	2198	85.3%	0.17
First Dewitt Bank	404	55	13.6%	349	86.4%	0.16
Central Jersey Savings Bank	330	46	13.9%	284	86.1%	0.16
Penn Federal Savings Bank	136	19	14.0%	117	86.0%	0.16
Spencer Savings Bank, SLA	189	21	11.1%	168	88.9%	0.13
First Home Savings Bank, F.S.B	194	23	11.9%	171	88.1%	0.13
Trust Company Of New Jersey	130	11	8.5%	119	91.5%	0.09

Table 3 - Top 50 Lending Institutions - Ranked by Origination Ratios

	All Originations
			Female				Male
		All Origs	Fem Origs	% of All Fem Apps	% of All Apps	Mal Origs		% of All Mal Apps	% of All Apps	Fem:Mal Ratio of Origs
STATEWIDE		91,065	17,403	79.1%	15.6%	72,222		80.7%	64.8%	0.98
TOP 50		33,586	6,501	80.9%	16.1%	26,680		82.2%	65.9%	0.98
Respondent
Monarch Savings Bank ,F.S.B		111	19	95.0%	13.5%	92		76.0%	65.2%	1.25
First Savings Bank, SLA		200	41	97.6%	18.3%	159		87.4%	71.0%	1.12
Penn Federal Savings Bank		111	17	89.5%	12.5%	94		80.3%	69.1%	1.11
First Union Mortgage Corp.		192	32	80.0%	12.7%	153		72.5%	61.0%	1.10
Natwest Bank New Jersey		420	130	86.7%	25.6%	285		79.8%	56.2%	1.09
Midlantic Bank, NA		657	232	72.0%	27.2%	356		66.9%	41.7%	1.08
Trenton Savings Bank		191	35	100.0%	17.5%	156		94.5%	78.0%	1.06
Ocean Federal Savings Bank		703	147	94.2%	18.9%	556		89.2%	71.4%	1.06
First Dewitt Bank		375	53	96.4%	13.1%	320		91.7%	79.2%	1.05
Farmers & Mechanics Bank		166	29	90.6%	15.2%	137		86.2%	71.7%	1.05
Chase Manhattan Mortgage Corp.		3220	535	79.9%	12.8%	2677		76.3%	64.1%	1.05
New Jersey Savings Bank		135	22	91.7%	14.7%	113		89.7%	75.3%	1.02
South Jersey Savings And Loan		178	39	86.7%	18.8%	138		85.2%	66.7%	1.02
Provident Savings Bank		1122	175	85.0%	13.1%	946		83.6%	70.8%	1.02
Fleet Real Estate Funding		1340	330	83.8%	20.4%	1002		82.1%	62.0%	1.02
Lakeland Savings Bank		238	40	93.0%	15.5%	198		92.1%	76.7%	1.01
Bankers Savings		494	117	89.3%	21.0%	377		88.7%	67.8%	1.01
Spencer Savings Bank, SLA		160	18	85.7%	9.5%	142		84.5%	75.1%	1.01
Manasquan Savings Bank		124	23	85.2%	15.6%	101		84.2%	68.7%	1.01
Meridian Mortgage Corporation		1123	200	84.7%	15.0%	923		83.9%	69.1%	1.01
Anchor Savings Bank, F.S.B		457	113	81.9%	20.1%	344		81.3%	61.3%	1.01
Chemical Bank New Jersey NA		1030	314	78.9%	24.3%	697		77.9%	53.9%	1.01
Chemical Residential Mortgage		719	119	83.8%	14.0%	597		84.2%	70.2%	1.00
PNC Mortgage Corp. Of America		2968	606	83.1%	17.0%	2362		83.5%	66.4%	1.00
World Savings And Loan Assoc.		551	97	81.5%	14.4%	449		81.2%	66.8%	1.00
Summit Bank		2334	326	86.0%	12.7%	1910		86.9%	74.1%	0.99
Natwest Home Mortgage Corp		860	142	84.0%	14.3%	702		85.1%	70.6%	0.99
Garden State Bank		186	44	81.5%	19.7%	139		82.2%	62.3%	0.99
First Home Savings Bank, F.S.B		172	20	87.0%	10.3%	152		88.9%	78.4%	0.98
Collective Bank		2247	363	85.4%	14.0%	1884		87.3%	72.9%	0.98
United Jersey Bank		2051	490	81.8%	20.5%	1501		83.5%	62.6%	0.98
Central Jersey Savings Bank		269	37	80.4%	11.2%	232		81.7%	70.3%	0.98
Sovereign Bank, F.S.B.		899	161	75.6%	14.1%	721		77.4%	63.0%	0.98
Hudson City Savings Bank		2157	317	85.0%	12.9%	1840		88.4%	75.0%	0.96
Bank Of Mid-Jersey		171	43	82.7%	21.5%	128		86.5%	64.0%	0.96
Investors Savings Bank		214	30	81.1%	11.8%	184		84.8%	72.4%	0.96
First Fidelity Urban Inves Corp.		120	41	77.4%	27.9%	76		80.9%	51.7%	0.96
New Jersey National Bank		238	77	58.8%	19.7%	160		61.5%	40.9%	0.96
First Fidelity Bank, NA		2621	577	71.9%	16.8%	1984		75.4%	57.8%	0.95
Cape Savings Bank		153	22	68.8%	10.3%	131		72.4%	61.5%	0.95
Ocean City Home S & L Assoc.		117	18	85.7%	14.0%	99		91.7%	76.7%	0.94
Columbia Savings Bank, SLA		550	94	85.5%	15.7%	445		90.8%	74.2%	0.94
Central Jersey Bank & Trust Co.		178	28	84.8%	14.0%	150		89.8%	75.0%	0.94
Valley National Bank		323	69	75.0%	17.0%	254		80.6%	62.4%	0.93
Trust Company Of New Jersey		116	8	72.7%	6.2%	100		84.0%	76.9%	0.87
Commerce Bank NA		156	30	58.8%	12.7%	126		67.7%	53.2%	0.87
West Jersey Community Bank		114	21	58.3%	12.0%	93		66.9%	53.1%	0.87
Corestates Mortgage Services		130	21	61.8%	11.4%	109		72.2%	58.9%	0.86
Roma Federal Savings Bank		118	26	74.3%	19.4%	92		92.9%	68.7%	0.80
Minotola National Bank		107	13	50.0%	8.2%	94		70.7%	59.1%	0.71

Table 4 - Top 50 Lending Institutions - Ranked by Denial Ratios

		Total Denials
		Female			Male
	All Denials	Fem Denials	% of All Fem Apps	% of All Apps	Mal Denials	% of All Mal Apps	% of All Apps	Fem:Mal Ratio of Denials

STATEWIDE	9,255	2,188	9.9%	2.0%	7,067	7.9%	6.3%	1.26
TOP 50	3,239	769	9.6%	1.9%	2,470	7.6%	6.1%	1.26
Respondent
First Savings Bank, SLA	9	0	0.0%	0.0%	9	4.9%	4.0%	0.00
Trenton Savings Bank	5	0	0.0%	0.0%	5	3.0%	2.5%	0.00
Ocean City Home S & L Assoc.	5	0	0.0%	0.0%	5	4.6%	3.9%	0.00
Monarch Savings Bank ,F.S.B	25	1	5.0%	0.7%	24	19.8%	17.0%	0.25
Ocean Federal Savings Bank	16	1	0.6%	0.1%	15	2.4%	1.9%	0.27
Garden State Bank	17	2	3.7%	0.9%	15	8.9%	6.7%	0.42
First Dewitt Bank	14	1	1.8%	0.2%	13	3.7%	3.2%	0.49
Chemical Residential Mortgage	54	6	4.2%	0.7%	48	6.8%	5.6%	0.62
New Jersey Savings Bank	9	1	4.2%	0.7%	8	6.3%	5.3%	0.66
Natwest Bank New Jersey	54	12	8.0%	2.4%	42	11.8%	8.3%	0.68
Farmers & Mechanics Bank	16	2	6.3%	1.0%	14	8.8%	7.3%	0.71
Fleet Real Estate Funding	85	17	4.3%	1.1%	68	5.6%	4.2%	0.77
Provident Savings Bank	91	12	5.8%	0.9%	79	7.0%	5.9%	0.83
Midlantic Bank, NA	171	59	18.3%	6.9%	112	21.1%	13.1%	0.87
Bankers Savings	52	11	8.4%	2.0%	41	9.6%	7.4%	0.87
First Union Mortgage Corp.	21	3	7.5%	1.2%	18	8.5%	7.2%	0.88
Manasquan Savings Bank	12	2	7.4%	1.4%	10	8.3%	6.8%	0.89
Chase Manhattan Mortgage Corp.	328	50	7.5%	1.2%	278	7.9%	6.7%	0.94
West Jersey Community Bank	25	5	13.9%	2.9%	20	14.4%	11.4%	0.97
Meridian Mortgage Corporation	87	15	6.4%	1.1%	72	6.5%	5.4%	0.97
Trust Company Of New Jersey	12	1	9.1%	0.8%	11	9.2%	8.5%	0.98
Natwest Home Mortgage Corp	64	11	6.5%	1.1%	53	6.4%	5.3%	1.01
Anchor Savings Bank, F.S.B	64	16	11.6%	2.9%	48	11.3%	8.6%	1.02
Collective Bank	160	27	6.4%	1.0%	133	6.2%	5.1%	1.03
First Home Savings Bank, F.S.B	8	1	4.3%	0.5%	7	4.1%	3.6%	1.06
Valley National Bank	50	12	13.0%	2.9%	38	12.1%	9.3%	1.08
First Fidelity Urban Inves Corp.	21	8	15.1%	5.4%	13	13.8%	8.8%	1.09
Penn Federal Savings Bank	13	2	10.5%	1.5%	11	9.4%	8.1%	1.12
New Jersey National Bank	119	43	32.8%	11.0%	76	29.2%	19.4%	1.12
Chemical Bank New Jersey NA	110	38	9.5%	2.9%	72	8.0%	5.6%	1.19
World Savings And Loan Assoc.	44	9	7.6%	1.3%	35	6.3%	5.2%	1.19
Spencer Savings Bank, SLA	23	3	14.3%	1.6%	20	11.9%	10.6%	1.20
South Jersey Savings And Loan	8	2	4.4%	1.0%	6	3.7%	2.9%	1.20
Commerce Bank NA	51	13	25.5%	5.5%	38	20.4%	16.0%	1.25
First Fidelity Bank, NA	541	151	18.8%	4.4%	390	14.8%	11.4%	1.27
Summit Bank	106	20	5.3%	0.8%	86	3.9%	3.3%	1.35
Cape Savings Bank	30	6	18.8%	2.8%	24	13.3%	11.3%	1.41
United Jersey Bank	187	60	10.0%	2.5%	127	7.1%	5.3%	1.42
PNC Mortgage Corp. Of America	170	46	6.3%	1.3%	124	4.4%	3.5%	1.44
Central Jersey Bank & Trust Co.	9	2	6.1%	1.0%	7	4.2%	3.5%	1.45
Sovereign Bank, F.S.B.	128	32	15.0%	2.8%	96	10.3%	8.4%	1.46
Central Jersey Savings Bank	26	5	10.9%	1.5%	21	7.4%	6.4%	1.47
Hudson City Savings Bank	82	19	5.1%	0.8%	63	3.0%	2.6%	1.68
Corestates Mortgage Services	25	7	20.6%	3.8%	18	11.9%	9.7%	1.73
Bank Of Mid-Jersey	15	6	11.5%	3.0%	9	6.1%	4.5%	1.90
Lakeland Savings Bank	7	2	4.7%	0.8%	5	2.3%	1.9%	2.00
Columbia Savings Bank, SLA	22	7	6.4%	1.2%	15	3.1%	2.5%	2.08
Minotola National Bank	28	11	42.3%	6.9%	17	12.8%	10.7%	3.31
Investors Savings Bank	16	6	16.2%	2.4%	10	4.6%	3.9%	3.52
Roma Federal Savings Bank	4	3	8.6%	2.2%	1	1.0%	0.7%	8.49

Table 5 - Top 50 Lending Institutions - Ranked by Withdrawal Ratios

		Total Withdrawals
		Female			Male
	All Withdrawals	Fem WthDrs	% of All Fem Apps	% of All Apps	Mal WthDrs	% of All Mal Apps	% of All Apps	Fem:Mal Ratio of WthDrs

STATE TOTAL	12569	2,415	11.0%	2.2%	10,154	11.4%	9.1%	0.97
TOP 50 Total	4064	761	9.5%	1.9%	3,303	10.2%	8.2%	0.93
Respondent
Trenton Savings Bank	4	0	0.0%	0.0%	4	2.4%	2.0%	0.00
Spencer Savings Bank, SLA	6	0	0.0%	0.0%	6	3.6%	3.2%	0.00
Penn Federal Savings Bank	12	0	0.0%	0.0%	12	10.3%	8.8%	0.00
Monarch Savings Bank ,F.S.B	5	0	0.0%	0.0%	5	4.1%	3.5%	0.00
Investors Savings Bank	24	1	2.7%	0.4%	23	10.6%	9.1%	0.25
First Savings Bank, SLA	15	1	2.4%	0.4%	14	7.7%	6.3%	0.31
First Dewitt Bank	17	1	1.8%	0.2%	16	4.6%	4.0%	0.40
Lakeland Savings Bank	13	1	2.3%	0.4%	12	5.6%	4.7%	0.42
Minotola National Bank	24	2	7.7%	1.3%	22	16.5%	13.8%	0.47
Ocean Federal Savings Bank	60	8	5.1%	1.0%	52	8.3%	6.7%	0.61
Farmers & Mechanics Bank	9	1	3.1%	0.5%	8	5.0%	4.2%	0.62
Natwest Bank New Jersey	38	8	5.3%	1.6%	30	8.4%	5.9%	0.63
First Union Mortgage Corp.	45	5	12.5%	2.0%	40	19.0%	15.9%	0.66
Sovereign Bank, F.S.B.	134	20	9.4%	1.7%	114	12.2%	10.0%	0.77
Bank Of Mid-Jersey	14	3	5.8%	1.5%	11	7.4%	5.5%	0.78
Central Jersey Savings Bank	35	4	8.7%	1.2%	31	10.9%	9.4%	0.80
South Jersey Savings And Loan	22	4	8.9%	1.9%	18	11.1%	8.7%	0.80
Midlantic Bank, NA	95	31	9.6%	3.6%	64	12.0%	7.5%	0.80
Chase Manhattan Mortgage Corp.	637	85	12.7%	2.0%	552	15.7%	13.2%	0.81
Chemical Bank New Jersey NA	172	46	11.6%	3.6%	126	14.1%	9.7%	0.82
United Jersey Bank	218	49	8.2%	2.0%	169	9.4%	7.1%	0.87
Cape Savings Bank	30	4	12.5%	1.9%	26	14.4%	12.2%	0.87
PNC Mortgage Corp. Of America	420	77	10.6%	2.2%	343	12.1%	9.6%	0.87
World Savings And Loan Assoc.	82	13	10.9%	1.9%	69	12.5%	10.3%	0.88
Anchor Savings Bank, F.S.B	40	9	6.5%	1.6%	31	7.3%	5.5%	0.89
New Jersey National Bank	35	11	8.4%	2.8%	24	9.2%	6.1%	0.91
Meridian Mortgage Corporation	126	21	8.9%	1.6%	105	9.5%	7.9%	0.93
First Fidelity Bank, NA	331	74	9.2%	2.2%	257	9.8%	7.5%	0.94
Summit Bank	235	33	8.7%	1.3%	202	9.2%	7.8%	0.95
Fleet Real Estate Funding	198	47	11.9%	2.9%	151	12.4%	9.3%	0.96
Provident Savings Bank	125	19	9.2%	1.4%	106	9.4%	7.9%	0.98
Manasquan Savings Bank	11	2	7.4%	1.4%	9	7.5%	6.1%	0.99
New Jersey Savings Bank	6	1	4.2%	0.7%	5	4.0%	3.3%	1.05
Corestates Mortgage Services	30	6	17.6%	3.2%	24	15.9%	13.0%	1.11
Natwest Home Mortgage Corp	86	16	9.5%	1.6%	70	8.5%	7.0%	1.12
Hudson City Savings Bank	215	37	9.9%	1.5%	178	8.6%	7.3%	1.16
First Home Savings Bank, F.S.B	14	2	8.7%	1.0%	12	7.0%	6.2%	1.24
Collective Bank	177	35	8.2%	1.4%	142	6.6%	5.5%	1.25
Commerce Bank NA	30	8	15.7%	3.4%	22	11.8%	9.3%	1.33
Chemical Residential Mortgage	81	17	12.0%	2.0%	64	9.0%	7.5%	1.33
Columbia Savings Bank, SLA	39	9	8.2%	1.5%	30	6.1%	5.0%	1.34
Bankers Savings	10	3	2.3%	0.5%	7	1.6%	1.3%	1.39
First Fidelity Urban Inves Corp.	9	4	7.5%	2.7%	5	5.3%	3.4%	1.42
West Jersey Community Bank	36	10	27.8%	5.7%	26	18.7%	14.9%	1.49
Central Jersey Bank & Trust Co.	13	3	9.1%	1.5%	10	6.0%	5.0%	1.52
Valley National Bank	34	11	12.0%	2.7%	23	7.3%	5.7%	1.64
Garden State Bank	23	8	14.8%	3.6%	15	8.9%	6.7%	1.67
Trust Company Of New Jersey	10	2	18.2%	1.5%	8	6.7%	6.2%	2.70
Roma Federal Savings Bank	12	6	17.1%	4.5%	6	6.1%	4.5%	2.83
Ocean City Home S & L Assoc.	7	3	14.3%	2.3%	4	3.7%	3.1%	3.86

Table 6 - Analysis of Percent Originated of All Applications by Income, Race, and Gender (1 of 2)

Table 7 - Female Applications Rates by Race and Income

		Low-income ($0 - $27,668)				Moderate-income ($27,669 - $44,268)				Middle-income ($44,269 - $66,402)				High-income ($66,403 and above)
		White Female	Black Female	Hispanic Female	Other Female	White Female	Black Female	Hispanic Female	Other Female	White Female	Black Female	Hispanic Female	Other Female	White Female	Black Female	Hispanic Female	Other Female
	All Origs	% Apps of All Wht Low Inc Apps	% Apps of All Blk Low Inc Apps	% Apps of All Hsp Low Inc Apps	% Apps of All Oth Low Inc Apps	% Apps of All Wht Mod Inc Apps	% Apps of All Blk Mod Inc Apps	% Apps of All Hsp Mod Inc Apps	% Apps of All Oth Mod Inc Apps	% Apps of All Wht Mid Inc Apps	% Apps of All Blk Mid Inc Apps	% Apps of All Hsp Mid Inc Apps	% Apps of All Oth Mid Inc Apps	% Apps of All Wht High Inc Apps	% Apps of All Blk High Inc Apps	% Apps of All Hsp High Inc Apps	% Apps of All Oth High Inc Apps
STATE TOTAL	91,065	31.1%	59.9%	30.4%	24.7%	29.8%	48.8%	22.1%	25.5%	17.4%	33.9%	15.5%	23.1%	10.7%	22.0%	13.8%	13.9%
TOP 50 Total	33,586	45.4%	67.6%	36.1%	28.6%	32.1%	53.5%	21.6%	22.4%	18.4%	36.4%	13.8%	19.6%	9.9%	21.7%	13.5%	11.7%
RESPONDENT
Chase Manhattan Mortgage Corp.	3,220	34.1%	53.8%	28.6%	9.1%	28.5%	45.7%	18.8%	20.5%	16.8%	35.0%	11.7%	16.2%	9.4%	18.2%	11.1%	16.3%
PNC Mortgage Corp. Of America	2,968	45.4%	52.6%	22.2%	0.0%	31.0%	51.3%	21.1%	33.3%	18.0%	39.0%	21.4%	29.5%	11.7%	26.5%	22.4%	16.1%
First Fidelity Bank, NA	2,621	43.9%	73.8%	45.2%	30.0%	31.9%	60.9%	23.5%	12.7%	23.2%	43.8%	12.6%	14.3%	8.5%	18.4%	6.7%	13.0%
Summit Bank	2,334	45.2%	100.0%	#N/A	100.0%	39.4%	40.0%	22.2%	50.0%	19.6%	36.4%	7.1%	15.4%	9.0%	26.9%	13.0%	7.4%
Collective Bank	2,247	43.9%	55.6%	75.0%	33.3%	26.0%	32.0%	26.3%	22.9%	13.0%	29.7%	15.8%	10.0%	10.6%	14.8%	12.5%	9.1%
Hudson City Savings Bank	2,157	48.0%	#N/A	#N/A	#N/A	42.8%	57.1%	7.7%	29.4%	21.1%	25.0%	16.1%	19.6%	10.2%	14.3%	7.9%	12.6%
United Jersey Bank