2012 Q4 Form 10-Q Financial Statement

#000119312512462145 Filed on November 09, 2012

View on sec.gov

Income Statement

Concept 2012 Q4 2012 Q3 2011 Q3
Revenue $21.51M $23.44M
YoY Change -8.23%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $1.000M $1.100M $1.000M
YoY Change -16.67% 10.0% 0.0%
% of Gross Profit
Operating Expenses $13.24M $13.84M $13.13M
YoY Change 1.71% 5.39%
Operating Profit
YoY Change
Interest Expense $3.172M $3.514M $4.371M
YoY Change -23.44% -19.61%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $6.200M $7.639M $7.822M
YoY Change -27.06% -2.34% -6.88%
Income Tax $2.124M $2.680M $2.748M
% Of Pretax Income 34.26% 35.08% 35.13%
Net Earnings $4.041M $4.959M $5.074M
YoY Change -25.98% -2.27% -2.42%
Net Earnings / Revenue 23.05% 21.64%
Basic Earnings Per Share $0.23 $0.28 $0.28
Diluted Earnings Per Share $0.23 $0.28 $0.28
COMMON SHARES
Basic Shares Outstanding 18.01M shares 17.56M shares 18.23M shares
Diluted Shares Outstanding 17.62M shares 18.28M shares

Balance Sheet

Concept 2012 Q4 2012 Q3 2011 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $62.54M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $22.23M $22.23M $22.00M
YoY Change -0.12% 1.06% 0.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $9.000M
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $2.269B $2.304B $2.282B
YoY Change -1.43% 0.98% 2.56%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable
YoY Change
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $61.00M $72.00M $72.00M
YoY Change -7.58% 0.0% 1.41%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $61.00M $72.00M $72.00M
YoY Change -7.58% 0.0% 1.41%
LONG-TERM LIABILITIES
Long-Term Debt $28.00M $28.00M $28.00M
YoY Change 0.0% 0.0% 0.0%
Other Long-Term Liabilities $16.00M $11.00M $6.000M
YoY Change 128.57% 83.33% -53.85%
Total Long-Term Liabilities $44.00M $39.00M $34.00M
YoY Change 25.71% 14.71% -17.07%
TOTAL LIABILITIES
Total Short-Term Liabilities $61.00M $72.00M $72.00M
Total Long-Term Liabilities $44.00M $39.00M $34.00M
Total Liabilities $2.049B $2.085B $2.066B
YoY Change -1.72% 0.91% 1.97%
SHAREHOLDERS EQUITY
Retained Earnings $198.1M $196.2M
YoY Change 6.13%
Common Stock $336.0K $336.0K
YoY Change 0.0%
Preferred Stock
YoY Change
Treasury Stock (at cost) $237.5M $235.8M
YoY Change 4.95%
Treasury Stock Shares 15.67M shares 15.55B shares
Shareholders Equity $219.8M $219.7M $215.9M
YoY Change
Total Liabilities & Shareholders Equity $2.269B $2.304B $2.282B
YoY Change -1.43% 0.98% 2.56%

Cashflow Statement

Concept 2012 Q4 2012 Q3 2011 Q3
OPERATING ACTIVITIES
Net Income $4.041M $4.959M $5.074M
YoY Change -25.98% -2.27% -2.42%
Depreciation, Depletion And Amortization $1.000M $1.100M $1.000M
YoY Change -16.67% 10.0% 0.0%
Cash From Operating Activities $5.400M $1.100M $11.90M
YoY Change 500.0% -90.76% -17.36%
INVESTING ACTIVITIES
Capital Expenditures -$700.0K -$500.0K -$600.0K
YoY Change 75.0% -16.67% -14.29%
Acquisitions
YoY Change
Other Investing Activities $37.90M $7.100M -$6.200M
YoY Change -1284.38% -214.52% 44.19%
Cash From Investing Activities $37.30M $6.600M -$6.800M
YoY Change -1136.11% -197.06% 36.0%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities -35.50M 7.800M 36.40M
YoY Change -462.24% -78.57% -440.19%
NET CHANGE
Cash From Operating Activities 5.400M 1.100M 11.90M
Cash From Investing Activities 37.30M 6.600M -6.800M
Cash From Financing Activities -35.50M 7.800M 36.40M
Net Change In Cash 7.200M 15.50M 41.50M
YoY Change 1.41% -62.65% -3292.31%
FREE CASH FLOW
Cash From Operating Activities $5.400M $1.100M $11.90M
Capital Expenditures -$700.0K -$500.0K -$600.0K
Free Cash Flow $6.100M $1.600M $12.50M
YoY Change 369.23% -87.2% -17.22%

Facts In Submission

Frame Concept Type Concept / XBRL Key Value Unit
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<div> <p style="MARGIN-TOP: 18px; MARGIN-BOTTOM: 0px"><font style="FONT-FAMILY: Times New Roman" size="2"><b><u>Note 8. Recent Accounting Pronouncements</u></b></font></p> <p style="MARGIN-TOP: 6px; MARGIN-BOTTOM: 0px" align="justify"> <font style="FONT-FAMILY: Times New Roman" size="2">Accounting Standards Update No.&#xA0;2011-05, &#x201C;Comprehensive Income&#x201D; requires that all non-owner changes in stockholders&#x2019; equity be presented in either a single continuous statement of comprehensive income or in two separate but consecutive statements. The option to present components of other comprehensive income as part of the statement of changes in stockholders&#x2019; equity was eliminated. The standard is effective for fiscal years, and interim periods within those years, beginning after December&#xA0;15, 2011 and did not have a material effect on the Company&#x2019;s consolidated financial statements. The Company has included a separate Consolidated Statements of Comprehensive Income as part of these financial statements.</font></p> <p style="MARGIN-TOP: 12px; MARGIN-BOTTOM: 0px" align="justify"> <font style="FONT-FAMILY: Times New Roman" size="2">Accounting Standards Update No.&#xA0;2011-04, &#x201C;Fair Value Measurement, Amendments to achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs&#x201D; develops common requirements for measuring fair value and for disclosing information about fair value measurements in accordance with U.S. Generally Accepted Accounting Principles (&#x201C;GAAP&#x201D;) and International Financial Reporting Standards (&#x201C;IFRSs&#x201D;). The amendments are effective for interim and annual periods beginning after December&#xA0;15, 2011. The adoption of this Accounting Standard Update did not have a material effect on the Company&#x2019;s consolidated financial statements.</font></p> <p style="MARGIN-TOP: 12px; MARGIN-BOTTOM: 0px" align="justify"> <font style="FONT-FAMILY: Times New Roman" size="2">Accounting Standards Update No.&#xA0;2011-03, &#x201C;Reconsideration of Effective Control for Repurchase Agreements&#x201D;, amends Topic 860 (Transfers and Servicing) where an entity may or may not recognize a sale upon the transfer of financial assets subject to repurchase agreements, based on whether or not the transferor has maintained effective control. In the assessment of effective control, Accounting Standard Update 2011-03 has removed the criteria that requires transferors to have the ability to repurchase or redeem the financial assets on substantially the agreed terms, even in the event of default by the transferee. Other criteria applicable to the assessment of effective control have not been changed. This guidance is effective for prospective periods beginning on or after December&#xA0;15, 2011. Early adoption is prohibited. The adoption of this Accounting Standard Update did not have a material effect on the Company&#x2019;s consolidated financial statements.</font></p> </div>
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ocfc Schedule Of Amortized Cost And Estimated Fair Value Of Marketable Securities Table Textblock
ScheduleOfAmortizedCostAndEstimatedFairValueOfMarketableSecuritiesTableTextblock
<div> <p style="MARGIN-TOP: 6px; MARGIN-BOTTOM: 0px" align="justify"> <font style="FONT-FAMILY: Times New Roman" size="2">The amortized cost and estimated market value of investment securities available for sale at September&#xA0;30, 2012 and December&#xA0;31, 2011 are as follows (in thousands):</font></p> <p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; FONT-SIZE: 12px"> &#xA0;</p> <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"> <tr> <td width="62%"></td> <td valign="bottom" width="4%"></td> <td></td> <td></td> <td></td> <td valign="bottom" width="4%"></td> <td></td> <td></td> <td></td> <td valign="bottom" width="4%"></td> <td></td> <td></td> <td></td> <td valign="bottom" width="4%"></td> <td></td> <td></td> <td></td> </tr> <tr> <td valign="bottom" nowrap="nowrap"> <p style="BORDER-BOTTOM: #000000 1px solid; WIDTH: 64pt"> <font style="FONT-FAMILY: Times New Roman" size="1">September&#xA0;30, 2012</font></p> </td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td style="BORDER-BOTTOM: #000000 1px solid" valign="bottom" colspan="2" align="center"><font style="FONT-FAMILY: Times New Roman" size="1">Amortized</font><br /> <font style="FONT-FAMILY: Times New Roman" size="1">Cost</font></td> <td valign="bottom"><font size="1">&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td style="BORDER-BOTTOM: #000000 1px solid" valign="bottom" colspan="2" align="center"><font style="FONT-FAMILY: Times New Roman" size="1">Gross</font><br /> <font style="FONT-FAMILY: Times New Roman" size="1">Unrealized</font><br /> <font style="FONT-FAMILY: Times New Roman" size="1">Gains</font></td> <td valign="bottom"><font size="1">&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td style="BORDER-BOTTOM: #000000 1px solid" valign="bottom" colspan="2" align="center"><font style="FONT-FAMILY: Times New Roman" size="1">Gross</font><br /> <font style="FONT-FAMILY: Times New Roman" size="1">Unrealized</font><br /> <font style="FONT-FAMILY: Times New Roman" size="1">Losses</font></td> <td valign="bottom"><font size="1">&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;</font></td> <td style="BORDER-BOTTOM: #000000 1px solid" valign="bottom" colspan="2" align="center"><font style="FONT-FAMILY: Times New Roman" size="1">Estimated</font><br /> <font style="FONT-FAMILY: Times New Roman" size="1">Market</font><br /> <font style="FONT-FAMILY: Times New Roman" size="1">Value</font></td> <td valign="bottom"><font size="1">&#xA0;</font></td> </tr> <tr> <td height="8"></td> <td height="8" colspan="4"></td> <td height="8" colspan="4"></td> <td height="8" colspan="4"></td> <td height="8" colspan="4"></td> </tr> <tr bgcolor="#CCEEFF"> <td valign="top"> <p style="TEXT-INDENT: -1em; MARGIN-LEFT: 1em"><font style="FONT-FAMILY: Times New Roman" size="2">U.S. agency obligations</font></p> </td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">$</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">138,416</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">$</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">1,019</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">$</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">&#x2014;&#xA0;&#xA0;</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">$</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">139,435</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;&#xA0;</font></td> </tr> <tr> <td valign="top"> <p style="TEXT-INDENT: -1em; MARGIN-LEFT: 1em"><font style="FONT-FAMILY: Times New Roman" size="2">State and municipal obligations</font></p> </td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">21,605</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">12</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">(31</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">)&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">21,586</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;&#xA0;</font></td> </tr> <tr bgcolor="#CCEEFF"> <td valign="top"> <p style="TEXT-INDENT: -1em; MARGIN-LEFT: 1em"><font style="FONT-FAMILY: Times New Roman" size="2">Corporate debt securities</font></p> </td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">55,000</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">&#x2014;&#xA0;&#xA0;</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">(13,286</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">)&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">41,714</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;&#xA0;</font></td> </tr> <tr> <td valign="top"> <p style="TEXT-INDENT: -1em; MARGIN-LEFT: 1em"><font style="FONT-FAMILY: Times New Roman" size="2">Equity investments</font></p> </td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">4,992</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">680</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">(71</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">)&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">5,601</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;&#xA0;</font></td> </tr> <tr style="FONT-SIZE: 1px"> <td valign="bottom"></td> <td valign="bottom">&#xA0;&#xA0;</td> <td valign="bottom"> <p style="BORDER-TOP: #000000 1px solid">&#xA0;</p> </td> <td valign="bottom"> <p style="BORDER-TOP: #000000 1px solid">&#xA0;</p> </td> <td>&#xA0;</td> <td valign="bottom">&#xA0;&#xA0;</td> <td valign="bottom"> <p style="BORDER-TOP: #000000 1px solid">&#xA0;</p> </td> <td valign="bottom"> <p style="BORDER-TOP: #000000 1px solid">&#xA0;</p> </td> <td>&#xA0;</td> <td valign="bottom">&#xA0;&#xA0;</td> <td valign="bottom"> <p style="BORDER-TOP: #000000 1px solid">&#xA0;</p> </td> <td valign="bottom"> <p style="BORDER-TOP: #000000 1px solid">&#xA0;</p> </td> <td>&#xA0;</td> <td valign="bottom">&#xA0;</td> <td valign="bottom"> <p style="BORDER-TOP: #000000 1px solid">&#xA0;</p> </td> <td valign="bottom"> <p style="BORDER-TOP: #000000 1px solid">&#xA0;</p> </td> <td>&#xA0;</td> </tr> <tr bgcolor="#CCEEFF"> <td valign="top"></td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">$</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">220,013</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">$</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">1,711</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">$</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">(13,388</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">)&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">$</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">208,336</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;&#xA0;</font></td> </tr> <tr style="FONT-SIZE: 1px"> <td valign="bottom"></td> <td valign="bottom">&#xA0;&#xA0;</td> <td valign="bottom"> <p style="BORDER-TOP: #000000 3px double">&#xA0;</p> </td> <td valign="bottom"> <p style="BORDER-TOP: #000000 3px double">&#xA0;</p> </td> <td>&#xA0;</td> <td valign="bottom">&#xA0;&#xA0;</td> <td valign="bottom"> <p style="BORDER-TOP: #000000 3px double">&#xA0;</p> </td> <td valign="bottom"> <p style="BORDER-TOP: #000000 3px double">&#xA0;</p> </td> <td>&#xA0;</td> <td valign="bottom">&#xA0;&#xA0;</td> <td valign="bottom"> <p style="BORDER-TOP: #000000 3px double">&#xA0;</p> </td> <td valign="bottom"> <p style="BORDER-TOP: #000000 3px double">&#xA0;</p> </td> <td>&#xA0;</td> <td valign="bottom">&#xA0;</td> <td valign="bottom"> <p style="BORDER-TOP: #000000 3px double">&#xA0;</p> </td> <td valign="bottom"> <p style="BORDER-TOP: #000000 3px double">&#xA0;</p> </td> <td>&#xA0;</td> </tr> </table> <p style="MARGIN-TOP: 12px; MARGIN-BOTTOM: 0px; FONT-SIZE: 1px"> &#xA0;</p> <table style="BORDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"> <tr> <td width="62%"></td> <td valign="bottom" width="4%"></td> <td></td> <td></td> <td></td> <td valign="bottom" width="4%"></td> <td></td> <td></td> <td></td> <td valign="bottom" width="4%"></td> <td></td> <td></td> <td></td> <td valign="bottom" width="4%"></td> <td></td> <td></td> <td></td> </tr> <tr> <td valign="bottom" nowrap="nowrap"> <p style="BORDER-BOTTOM: #000000 1px solid; WIDTH: 62pt"> <font style="FONT-FAMILY: Times New Roman" size="1">December&#xA0;31, 2011</font></p> </td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td style="BORDER-BOTTOM: #000000 1px solid" valign="bottom" colspan="2" align="center"><font style="FONT-FAMILY: Times New Roman" size="1">Amortized</font><br /> <font style="FONT-FAMILY: Times New Roman" size="1">Cost</font></td> <td valign="bottom"><font size="1">&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td style="BORDER-BOTTOM: #000000 1px solid" valign="bottom" colspan="2" align="center"><font style="FONT-FAMILY: Times New Roman" size="1">Gross</font><br /> <font style="FONT-FAMILY: Times New Roman" size="1">Unrealized</font><br /> <font style="FONT-FAMILY: Times New Roman" size="1">Gains</font></td> <td valign="bottom"><font size="1">&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td style="BORDER-BOTTOM: #000000 1px solid" valign="bottom" colspan="2" align="center"><font style="FONT-FAMILY: Times New Roman" size="1">Gross</font><br /> <font style="FONT-FAMILY: Times New Roman" size="1">Unrealized</font><br /> <font style="FONT-FAMILY: Times New Roman" size="1">Losses</font></td> <td valign="bottom"><font size="1">&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;</font></td> <td style="BORDER-BOTTOM: #000000 1px solid" valign="bottom" colspan="2" align="center"><font style="FONT-FAMILY: Times New Roman" size="1">Estimated</font><br /> <font style="FONT-FAMILY: Times New Roman" size="1">Market</font><br /> <font style="FONT-FAMILY: Times New Roman" size="1">Value</font></td> <td valign="bottom"><font size="1">&#xA0;</font></td> </tr> <tr> <td height="8"></td> <td height="8" colspan="4"></td> <td height="8" colspan="4"></td> <td height="8" colspan="4"></td> <td height="8" colspan="4"></td> </tr> <tr bgcolor="#CCEEFF"> <td valign="top"> <p style="TEXT-INDENT: -1em; MARGIN-LEFT: 1em"><font style="FONT-FAMILY: Times New Roman" size="2">U.S. agency obligations</font></p> </td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">$</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">102,059</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">$</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">760</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">$</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">(43</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">)&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">$</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">102,776</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;&#xA0;</font></td> </tr> <tr> <td valign="top"> <p style="TEXT-INDENT: -1em; MARGIN-LEFT: 1em"><font style="FONT-FAMILY: Times New Roman" size="2">State and municipal obligations</font></p> </td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">18,526</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">26</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">(8</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">)&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">18,544</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;&#xA0;</font></td> </tr> <tr bgcolor="#CCEEFF"> <td valign="top"> <p style="TEXT-INDENT: -1em; MARGIN-LEFT: 1em"><font style="FONT-FAMILY: Times New Roman" size="2">Corporate debt securities</font></p> </td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">55,000</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">&#x2014;&#xA0;&#xA0;</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">(15,551</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">)&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">39,449</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;&#xA0;</font></td> </tr> <tr> <td valign="top"> <p style="TEXT-INDENT: -1em; MARGIN-LEFT: 1em"><font style="FONT-FAMILY: Times New Roman" size="2">Equity investments</font></p> </td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">4,294</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">250</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">(34</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">)&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">4,510</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;&#xA0;</font></td> </tr> <tr style="FONT-SIZE: 1px"> <td valign="bottom"></td> <td valign="bottom">&#xA0;&#xA0;</td> <td valign="bottom"> <p style="BORDER-TOP: #000000 1px solid">&#xA0;</p> </td> <td valign="bottom"> <p style="BORDER-TOP: #000000 1px solid">&#xA0;</p> </td> <td>&#xA0;</td> <td valign="bottom">&#xA0;&#xA0;</td> <td valign="bottom"> <p style="BORDER-TOP: #000000 1px solid">&#xA0;</p> </td> <td valign="bottom"> <p style="BORDER-TOP: #000000 1px solid">&#xA0;</p> </td> <td>&#xA0;</td> <td valign="bottom">&#xA0;&#xA0;</td> <td valign="bottom"> <p style="BORDER-TOP: #000000 1px solid">&#xA0;</p> </td> <td valign="bottom"> <p style="BORDER-TOP: #000000 1px solid">&#xA0;</p> </td> <td>&#xA0;</td> <td valign="bottom">&#xA0;</td> <td valign="bottom"> <p style="BORDER-TOP: #000000 1px solid">&#xA0;</p> </td> <td valign="bottom"> <p style="BORDER-TOP: #000000 1px solid">&#xA0;</p> </td> <td>&#xA0;</td> </tr> <tr bgcolor="#CCEEFF"> <td valign="top"></td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">$</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">179,879</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">$</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">1,036</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">$</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">(15,636</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">)&#xA0;</font></td> <td valign="bottom"><font size="1">&#xA0;</font></td> <td valign="bottom"><font style="FONT-FAMILY: Times New Roman" size="2">$</font></td> <td valign="bottom" align="right"><font style="FONT-FAMILY: Times New Roman" size="2">165,279</font></td> <td valign="bottom" nowrap="nowrap"><font style="FONT-FAMILY: Times New Roman" size="2">&#xA0;&#xA0;</font></td> </tr> <tr style="FONT-SIZE: 1px"> <td valign="bottom"></td> <td valign="bottom">&#xA0;&#xA0;</td> <td valign="bottom"> <p style="BORDER-TOP: #000000 3px double">&#xA0;</p> </td> <td valign="bottom"> <p style="BORDER-TOP: #000000 3px double">&#xA0;</p> </td> <td>&#xA0;</td> <td valign="bottom">&#xA0;&#xA0;</td> <td valign="bottom"> <p style="BORDER-TOP: #000000 3px double">&#xA0;</p> </td> <td valign="bottom"> <p style="BORDER-TOP: #000000 3px double">&#xA0;</p> </td> <td>&#xA0;</td> <td valign="bottom">&#xA0;&#xA0;</td> <td valign="bottom"> <p style="BORDER-TOP: #000000 3px double">&#xA0;</p> </td> <td valign="bottom"> <p style="BORDER-TOP: #000000 3px double">&#xA0;</p> </td> <td>&#xA0;</td> <td valign="bottom">&#xA0;</td> <td valign="bottom"> <p style="BORDER-TOP: #000000 3px double">&#xA0;</p> </td> <td valign="bottom"> <p style="BORDER-TOP: #000000 3px double">&#xA0;</p> </td> <td>&#xA0;</td> </tr> </table> </div>
ocfc Non Accrual Of Commercial Loans Evaluated For Impairment
NonAccrualOfCommercialLoansEvaluatedForImpairment
250000
ocfc Non Accrual Troubled Debt Restructurings
NonAccrualTroubledDebtRestructurings
14772000
ocfc Average Balances Of Impaired Loans
AverageBalancesOfImpairedLoans
31131000
ocfc Other Comprehensive Income Reclassification Adjustments For Gains Included In Income
OtherComprehensiveIncomeReclassificationAdjustmentsForGainsIncludedInIncome
-134000
ocfc Unallocated Incentive Award Shares And Shares Held By Deferred Compensation Plan
UnallocatedIncentiveAwardSharesAndSharesHeldByDeferredCompensationPlan
94000 shares
ocfc Number Of Loan Repurchase Requests
NumberOfLoanRepurchaseRequests
12
ocfc Percentage Of Estimated Selling Cost On Other Real Estate Owned
PercentageOfEstimatedSellingCostOnOtherRealEstateOwned
0.20 pure
ocfc Check Card Processing
CheckCardProcessing
1061000
ocfc Provision For Repurchased Loans
ProvisionForRepurchasedLoans
350000
ocfc Accruing Troubled Debt Restructuring In Compliance With Modified Terms
AccruingTroubledDebtRestructuringInComplianceWithModifiedTerms
19621000
ocfc Payments To Acquire Bank Owned Life Insurance
PaymentsToAcquireBankOwnedLifeInsurance
10000000
ocfc Trouble Debt Restructuring Impact Of Regulatory Guidance On Accrued Loans
TroubleDebtRestructuringImpactOfRegulatoryGuidanceOnAccruedLoans
6511000
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NonAccrualTroubledDebtRestructurings
14491000
CY2011 ocfc Number Of Loan Repurchase Requests
NumberOfLoanRepurchaseRequests
4
CY2011 ocfc Accruing Troubled Debt Restructuring In Compliance With Modified Terms
AccruingTroubledDebtRestructuringInComplianceWithModifiedTerms
13118000
CY2011Q3 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
1850000
CY2011Q3 us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
563000
CY2011Q3 us-gaap Interest Expense Deposits
InterestExpenseDeposits
2502000
CY2011Q3 us-gaap Gain Loss On Sale Of Mortgage Loans
GainLossOnSaleOfMortgageLoans
697000
CY2011Q3 us-gaap Legal Fees
LegalFees
207000
CY2011Q3 us-gaap Weighted Average Number Of Shares Issued Basic
WeightedAverageNumberOfSharesIssuedBasic
18846000 shares
CY2011Q3 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
403000
CY2011Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
18227000 shares
CY2011Q3 us-gaap Other Than Temporary Impairment Losses Investments Portion Recognized In Earnings Net Availableforsale Securities
OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNetAvailableforsaleSecurities
148000
CY2011Q3 us-gaap Profit Loss From Real Estate Operations
ProfitLossFromRealEstateOperations
-80000
CY2011Q3 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
20357000
CY2011Q3 us-gaap Equipment Expense
EquipmentExpense
511000
CY2011Q3 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
23443000
CY2011Q3 us-gaap Allowance For Loan And Lease Losses Recoveries Of Bad Debts
AllowanceForLoanAndLeaseLossesRecoveriesOfBadDebts
4000
CY2011Q3 us-gaap Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
7822000
CY2011Q3 us-gaap Interest Expense Borrowings
InterestExpenseBorrowings
1869000
CY2011Q3 us-gaap Marketing Expense
MarketingExpense
456000
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AvailableForSaleSecuritiesGrossRealizedGainLossNet
-148000
CY2011Q3 us-gaap Other Tax Expense Benefit
OtherTaxExpenseBenefit
-60000
CY2011Q3 us-gaap Fees And Commissions
FeesAndCommissions
2847000
CY2011Q3 us-gaap Interest And Dividend Income Securities Other
InterestAndDividendIncomeSecuritiesOther
586000
CY2011Q3 us-gaap Servicing Fees Net
ServicingFeesNet
96000
CY2011Q3 us-gaap Other Comprehensive Income Loss Available For Sale Securities Adjustment Before Reclassification Adjustments Net Of Tax
OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeReclassificationAdjustmentsNetOfTax
-838000
CY2011Q3 us-gaap Bank Owned Life Insurance Income
BankOwnedLifeInsuranceIncome
317000
CY2011Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.28
CY2011Q3 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
2000
CY2011Q3 us-gaap Allowance For Loan And Lease Losses Provision For Loss Net
AllowanceForLoanAndLeaseLossesProvisionForLossNet
1850000
CY2011Q3 us-gaap Deferred Compensation Arrangement With Individual Shares Issued
DeferredCompensationArrangementWithIndividualSharesIssued
49000 shares
CY2011Q3 us-gaap Other Cost And Expense Operating
OtherCostAndExpenseOperating
1643000
CY2011Q3 us-gaap Net Income Loss
NetIncomeLoss
5074000
CY2011Q3 us-gaap Noninterest Income
NoninterestIncome
3731000
CY2011Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.28
CY2011Q3 us-gaap Information Technology And Data Processing
InformationTechnologyAndDataProcessing
886000
CY2011Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
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18276000 shares
CY2011Q3 us-gaap Marketable Securities Realized Gain Loss
MarketableSecuritiesRealizedGainLoss
0
CY2011Q3 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
4324000
CY2011Q3 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
17222000
CY2011Q3 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
19072000
CY2011Q3 us-gaap Operating Expenses
OperatingExpenses
13131000
CY2011Q3 us-gaap Income Tax Expense Benefit
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2748000
CY2011Q3 us-gaap Weighted Average Number Of Shares Employee Stock Ownership Plan Shares Not Committed To Be Released
WeightedAverageNumberOfSharesEmployeeStockOwnershipPlanSharesNotCommittedToBeReleased
510000 shares
CY2011Q3 us-gaap Occupancy Net
OccupancyNet
1279000
CY2011Q3 us-gaap Professional Fees
ProfessionalFees
129000
CY2011Q3 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
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2064000 shares
CY2011Q3 us-gaap Labor And Related Expense
LaborAndRelatedExpense
7137000
CY2011Q3 us-gaap Interest Income Securities Mortgage Backed
InterestIncomeSecuritiesMortgageBacked
2500000
CY2011Q3 us-gaap Interest Expense
InterestExpense
4371000
CY2011Q3 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
-578000
CY2011Q3 ocfc Reserve For Loan Repurchases Loss On Loans Repurchased
ReserveForLoanRepurchasesLossOnLoansRepurchased
CY2011Q3 ocfc Average Balances Of Impaired Loans
AverageBalancesOfImpairedLoans
29602000
CY2011Q3 ocfc Other Comprehensive Income Reclassification Adjustments For Gains Included In Income
OtherComprehensiveIncomeReclassificationAdjustmentsForGainsIncludedInIncome
88000
CY2011Q3 ocfc Unallocated Incentive Award Shares And Shares Held By Deferred Compensation Plan
UnallocatedIncentiveAwardSharesAndSharesHeldByDeferredCompensationPlan
109000 shares
CY2011Q3 ocfc Check Card Processing
CheckCardProcessing
320000
CY2012Q3 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
1400000
CY2012Q3 us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
533000
CY2012Q3 us-gaap Interest Expense Deposits
InterestExpenseDeposits
1907000
CY2012Q3 us-gaap Gain Loss On Sale Of Mortgage Loans
GainLossOnSaleOfMortgageLoans
1218000
CY2012Q3 us-gaap Legal Fees
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301000
CY2012Q3 us-gaap Weighted Average Number Of Shares Issued Basic
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18130000 shares
CY2012Q3 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
1694000
CY2012Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
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40000
CY2012Q3 us-gaap Interest And Fee Income Loans And Leases
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18716000
CY2012Q3 us-gaap Equipment Expense
EquipmentExpense
662000
CY2012Q3 us-gaap Interest And Dividend Income Operating
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21514000
CY2012Q3 us-gaap Allowance For Loan And Lease Losses Recoveries Of Bad Debts
AllowanceForLoanAndLeaseLossesRecoveriesOfBadDebts
928000
CY2012Q3 us-gaap Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
7639000
CY2012Q3 us-gaap Interest Expense Borrowings
InterestExpenseBorrowings
1607000
CY2012Q3 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
19000 shares
CY2012Q3 us-gaap Marketing Expense
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451000
CY2012Q3 us-gaap Other Tax Expense Benefit
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92000
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3113000
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733000
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130000
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1006000
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376000
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0.28
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1799000
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4959000
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0.28
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914000
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17621000 shares
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0
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ComprehensiveIncomeNetOfTax
5965000
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16600000
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InterestIncomeExpenseNet
18000000
CY2012Q3 us-gaap Operating Expenses
OperatingExpenses
13839000
CY2012Q3 us-gaap Income Tax Expense Benefit
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2680000
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476000 shares
CY2012Q3 us-gaap Occupancy Net
OccupancyNet
1279000
CY2012Q3 us-gaap Professional Fees
ProfessionalFees
128000
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1101000 shares
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7347000
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InterestIncomeSecuritiesMortgageBacked
2065000
CY2012Q3 us-gaap Interest Expense
InterestExpense
3514000
CY2012Q3 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
695000
CY2012Q3 ocfc Reserve For Loan Repurchases Loss On Loans Repurchased
ReserveForLoanRepurchasesLossOnLoansRepurchased
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35802000
CY2012Q3 ocfc Unallocated Incentive Award Shares And Shares Held By Deferred Compensation Plan
UnallocatedIncentiveAwardSharesAndSharesHeldByDeferredCompensationPlan
93000 shares
CY2012Q3 ocfc Check Card Processing
CheckCardProcessing
425000
CY2012Q3 ocfc Provision For Repurchased Loans
ProvisionForRepurchasedLoans
100000

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