FILED PURSUANT TO RULE 425: TRUST CO OF NJ filing contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements include,

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0000950123-04-002910.txt : 200403050000950123-04-002910.hdr.sgml : 2004030520040305171808ACCESSION NUMBER:0000950123-04-002910CONFORMED SUBMISSION TYPE:425PUBLIC DOCUMENT COUNT:37FILED AS OF DATE:20040305

SUBJECT COMPANY:

COMPANY DATA:COMPANY CONFORMED NAME:TRUST CO OF NEW JERSEY/NJCENTRAL INDEX KEY:0000901995IRS NUMBER:221337980STATE OF INCORPORATION:NJFISCAL YEAR END:1231

FILING VALUES:FORM TYPE:425SEC ACT:1934 ActSEC FILE NUMBER:132-02270FILM NUMBER:04652926

BUSINESS ADDRESS:STREET 1:35 JOURNAL SQUARECITY:JERSEY CITYSTATE:NJZIP:07306BUSINESS PHONE:2014202500

FILED BY:

COMPANY DATA:COMPANY CONFORMED NAME:NORTH FORK BANCORPORATION INCCENTRAL INDEX KEY:0000352510STANDARD INDUSTRIAL CLASSIFICATION:STATE COMMERCIAL BANKS [6022]IRS NUMBER:363154608STATE OF INCORPORATION:DEFISCAL YEAR END:1231

FILING VALUES:FORM TYPE:425

BUSINESS ADDRESS:STREET 1:275 BROAD HOLLOW RDSTREET 2:PO BOX 8914CITY:MELVILLESTATE:NYZIP:11747BUSINESS PHONE:6318441004

MAIL ADDRESS:STREET 1:275 BROAD HOLLOW RDSTREET 2:PO BOX 8914CITY:MELVILLESTATE:NYZIP:11747

4251y94289ce425.htmFILED PURSUANT TO RULE 425: TRUST CO OF NJ

FILED PURSUANT TO RULE 425: TRUST CO OF NJ

Filed by North Fork Bancorporation, Inc. Pursuant to Rule425
Under the Securities Act of 1933

Subject Company: The Trust Company of New Jersey
Commission File No.: 132-02270

This filing contains forward-looking statements within the meaning of thePrivate Securities Litigation Reform Act of 1995. Such statements include, butare not limited to, statements about the benefits of the merger between NorthFork Bancorporation, Inc. (North Fork) and The Trust Company of New Jersey(Trustcompany), including future financial and operating results, NorthForks plans, objectives, expectations and intentions and other statements thatare not historical facts. Such statements are based upon the current beliefsand expectations of North Forks and Trustcompanys management and are subjectto significant risks and uncertainties. Actual results may differ from thoseset forth in the forward-looking statements. The following factors, amongothers, could cause actual results to differ from those set forth in theforward-looking statements: the ability to obtain governmental approvals of themerger on the proposed terms and schedule; the failure of Trustcompanystockholders to approve the merger; the risk that the businesses will not beintegrated successfully; the risk that the cost savings and any revenuesynergies from the merger may not be fully realized or may take longer torealize than expected; disruption from the merger making it more difficult tomaintain relationships with clients, employees or suppliers; increasedcompetition and its effect on pricing, spending, third-party relationships andrevenues; the risk of new and changing regulation in the U.S. andinternationally. Additional factors that could cause North Forks results todiffer materially from those described in the forward-looking statements can befound in the 2002 Annual Report on Forms 10-K of North Fork, and in theQuarterly Reports on Form 10-Q of North Fork filed with the Securities andExchange Commission and available at the Securities and Exchange Commissionsinternet site (http://www.sec.gov). Additional factors that could causeTrustcompanys results to differ materially from those described in theforward-looking statements can be found in the 2003 Annual Report on Form 10-Kand Quarterly Reports on Form 10-Q of Trustcompany filed with the FederalDeposit Insurance Corporation. The forward-looking statements in this filingspeak only as of the date of the filing, and neither North Fork norTrustcompany assumes any obligation to update the forward-looking statements orto update the reasons why actual results could differ from those contained inthe forward-looking statements.

Stockholders are urged to read the proxy statement/prospectus regarding theproposed transaction when it becomes available because it will containimportant information. Stockholders will be able to obtain a free copy of theproxy statement/prospectus, as well as other filings containing informationabout North Fork and Trustcompany, without charge, at the Securities andExchange Commissions internet site (http://www.sec.gov). Copies of the proxystatement/prospectus and the filings with the Securities and ExchangeCommission that will be incorporated by reference in the proxystatement/prospectus can also be obtained, without charge, by directing arequest to North Fork Bancorporation, Inc., 275 Broadhollow Road, Melville, NY11747; Attention: Aurelie Campbell, 631-844-1252.

* * *

North Fork Bancorporation, Inc.Keefe, Bruyette & WoodsMarch3, 2004The Premier New York Metropolitan Franchise

Recent AccomplishmentsRepurchased 7.8million shares at an average cost of $33.80Repositioned the balance sheet to be consistent with thecurrent economic environmentRefined products and services through the marriage ofpersonal service and technologyAchieved prominence as a small business and middlemarket lenderCommercial loan growth of 25%, while loans overallincreased 9%Demand deposit growth of 19%Opened 9 new branches including 4 in Manhattan and ourfirst branch in New JerseyAnnounced the pending acquisitions of Trust Company ofNew Jersey and GreenPoint Financial

Financial PerformanceDecember2003QTDYTDEPS Diluted$0.68$2.60Dividends$0.30$1.11DividendDividend Payout Ratio45%43%Yield*2.8%Net Income (000)$102,383$396,365Net Interest Margin4.39%4.24%Return on Assets1.98%1.86%Return on Equity27.45%26.52%Core Efficiency34.43%34.30%

* Based on NFB closing price of $42.77 on 3/01/04

S&P 500 PerformanceQ4 2003ROAROENIMEfficiencyS&P 500Banks*1.50%17.47%3.54%57.76%

NFB1.98%27.45%4.39%34.43%

NFB RANK4142

* Source: Average for S&P 500 banks and rankings provided by SNL DataSource4

Balance Sheet$ in millionsDec. 2003Dec. 2002Loans$12,345$11,3699%Securities7,3198,864-17%Total Assets20, 96221,413-2%Demand Deposits4,0803,41819%Total Deposits15,11613,19315%Total Borrowings3,9576,169-36%Stockholders Equity1,4781,514-2%Total Risk Adj15.53%16.77%Leverage Ratio6.47%6.46%

Repurchased 7.8million shares during 2003 at an average price of $33.775

Loans&Investments

Interest Earning Assets

20022003

Securities$8.9$7.344%37%

Loans, net$11.4$12.356%63%

$20.3$19.7$ in Billions7

Re-Balanced Loan PortfolioImpact of NYC19982003ConsC&ICons9%9%9%C&I17%CRERes19%20%Res33%CRE25%MultiMulti30%29%

$ in Billions$5.7$12.38

Residential LoansBillions$4.00%- -5%-4%$3.523%$3.012%$2.6$2.6$2.5$2.4$2.5$2.1$1.9$2.0

$1.5

$1.0

$0.5

$0.098 99 00 01 02 03NCOs0.34% 0.04% 0.02% 0.01% 0.02% 0.00%

Multifamily LoansBillions$5.00%7%3%94%$3.6$3.6$4.0$3.3$3.43%$3.0

$1.7$1.7$2.0

$1.0

$0.098 99 00 01 02 03NCOs0.01% 0.00% 0.00% 0.00% 0.00% 0.00%

10

Consumer LoansBillions$1.55%19%13%$1.15%$1.0$0.9$1.054%$0.8$0.7

$0.5$0.5

$0.098 99 00 01 02 03NCOs0.86% 0.88% 1.00% 0.84% 0.82% 0.82%

11

Commercial Real EstateBillions28%$3.5$3.122%$3.021%$2.4$2.522%15%$2.0$2.0$1.6$1.5$1.2$1.3$1.0

$0.5

$0.098 99 00 01 02 03NCOs0.50% 0.03% 0.01% 0.02% 0.04% -0.01%

12

Commercial & Industrial LoansBillions$2.521%19%$2.1$2.044%$1.8$1.5$1.548%34%$1.0$1.0$0.7$0.5$0.5

$0.098 99 00 01 02 03NCOs0.27% 0.18% 0.23% 0.16% 0.21% 0.46%

13

Loan GrowthBillions9%$15.09%11%$12.442%$11.4$12.0$10.4$9.416%$9.0$6.6$5.7$6.0

$3.0

$0.098 99 00 01 02 03NCOs0.32% 0.14% 0.12% 0.10% 0.12% 0.15%

14

Asset Quality-Reserve CoverageMillions$140

$120

$100

$80

$60

$40

$20

$098 99 00 01 02 03NPAs$18.5 $15.4 $15.4 $15.0 $12.5 $13.7Reserves$71.8 $68.6 $89.7 $103.8 $115.8 $122.7

15

Accomplishments InCommercial Banking

Commercial Deposit GrowthBillions22%$5.2$5.548%$5.0$4.3$4.5$4.048%$3.542%$2.9$3.020%$2.5$2.0$2.0$1.4$1.5$1.2$1.0$0.5$0.098 99 00 01 02 0317

Demand Deposit Growth19%Billions

$4.526%$4.1$4.0$3.4$3.533%$3.034%$2.719%$2.5$2.0$2.0$1.5$1.3$1.5

$1.0

$0.5$0.098 99 00 01 02 0318

Total Deposit Growth

Billions$20.015%17%$15.123%$15.0$13.240%2%$11.3$9.2$10.0$6.4$6.5

$5.0

$0.098 99 00 01 02 0319

Our Recent

Acquisitions

4th largest commercial bankheadquartered in New Jersey

Over $4 billion in assets with $2billion in loans

93 branches in prime Northern NJcounties with $3.4 billion in deposits

Valuable franchise in one of the mostaffluent and densely populatedmarkets in the United States

The largest retail bank in the NewYork Metropolitan area

Approximately $23 billion in assets,$13 billion in deposits and 90branches in prime New Yorkmetropolitan locations

Niche in a relatively uncompetitivesegment of residential mortgages

Why GreenPoint

Provides new markets for commercial growth usingthe NFB business model

Provides a proven retail banking model andvaluable brand for continued retail deposit growth

In-market transaction with relatively simpleintegration and immediate cost savings

Strong management which has been retained

Excellent asset quality and interest rate risk profile

Asset generation and fee income from a recognizednational mortgage banking company

Economically compelling

Pro Forma Balance Sheet

($ in millions except per share amounts)

Includes the pending acquisitions of Trust Company of New Jersey and GreenPoint

A Strong, Flexible BalanceSheet in one of the bestmarkets in the world

With a marketcapitalization of over $13.1billion, pro forma NFBranks 18th in the nation

Creates a highly valuablefranchise in the New YorkMetropolitan area which isimpossible to duplicate

Currently the combinedinstitution is slightly assetsensitive and positionedfor a rising interest rateenvironment

Immediately Accretive to NFB EPS

* I/B/E/S mean estimates, NFB includes the impact of the TCNJ acquisition

** includes purchase accounting and core deposit intangible items 2005 - assumes 100% Cost Savings 2005 - assumes 100% Cost Savings 2005 - assumes 100% Cost Savings 2005 - assumes 100% Cost Savings (in thousands, except per share amounts) After Tax EPS * Shares NFB $ 533,573 $ 3.14 170,198 GPT 444,310 4.19 105,919 Purchase Accounting** 36,272 ESOP Expense Savings 20,554 Pro Forma 1,034,710 3.23 320,373 Cost Savings 65,060 Tax Efficiencies 28,165 Pro Forma with Efficiencies $ 1,127,934 $ 3.52 320,373 EPS Accretion $ 0.39 EPS Accretion % 12.3%

Revenue Diversification Fee Income Net Interest Income 15 85Pro Forma Fee Income Net Interest Income 32 68North Fork (1)(1) Pro Forma for the acquisition of TCNJ$1.1 billion$2.4 billionMortgageBankingContributionis Less than20%

GreenPoint Loans

Top 5 Wholesale Lender andTop 10 Originator

Product Innovator in Alt-AArm Products

Specialize in Fixed andVariable Alt-A and JumboMortgages

Originated $38.9 billion in2003 with only $5.4 billion inlower margin Agencyproduction

Low cost, highly efficientoperator with 40% of costsdriven by volume

Traditional No-Doc Mortgages

High quality Jumbo Arms

50 - 75 basis point yieldpickup over comparableAgency mortgages

Pristine asset qualitydemonstrated by a historicalnet charge off rate of 4 basispoints

8% of ProductionRetained by Bank

GreenPoint Mortgage

GreenPoint Bank

Dominant in the NY Market

North Fork will be the largest bank in the New York Area serving the

local market with the 4th largest deposit market share

Source: SNL DataSource. Deposit data as of June 30, 2003. Includes pending ownership.

Note: Metro NY region includes New York, Bronx, Kings, Nassau, Queens, Richmond, Rockland, Suffolk, and Westchester counties.

Market Leadership

Source: SNL DataSource. Deposit data as of June 30, 2003. Includes pending ownership.

Excludes HQ branches (representing large corporate deposits) for Citigroup, J.P. Morgan Chase, HSBC, Bank of New York,Deutsche Bank and Bank of America/Fleet Suffolk, NY Nassau, NY Queens, NY Kings, NY Bronx, NY Westchester, NY New York, NY Richmond, NY Rockland, NY Stand Alone 16.4 6.4 7.8 1.7 6.8 1.7 2.7 0 2.2 Pro Forma 20.1 16.9 14.7 10.7 7 3.7 4.3 0.9 2.2Market Share %1255859121Significantly Expands Market ShareRanking

Branch and Brand Plans

Identified over 20 GreenPoint locations that webelieve would grow faster and be more profitable as aNorth Fork Bank branch

Identified 10-15 North Fork locations that we believewould grow faster and be more profitable as aGreenPoint Bank branch

Identified up to 15 branch consolidation opportunities

Identified approximately 10 GreenPoint locations thatcan host a North Fork Bank branch in the building

GreenPoint Core Deposit GrowthDDA, Savings, NOW and Money Market AccountsAvg. Deposits Per Branch $139 Million

Tentative Timing

Mar

Apr

May

Jun

Jul

Aug

Sep

Close &ConvertTCNJ

TCNJShareholderMeeting/Vote

NFBShareholderMeeting

NFBShareholderVote

Close

GPT

GPTShareholderVote

GPTShareholderMeeting

Our

Plans

Poised For Growth

Momentum in C&I lending and Deposit growth

Commercial deposits are believed to be at a cyclical lowand will grow as the economy strengthens

Investments in market expansion, technology andpeople over the past 3 years have us well positioned

Strong operating controls and oversight with healthyregulatory relationships

Industry leading earnings and efficiency whichfacilitates attractive dividend yields while providingreinvestment for growth

Cultivate the newly created regional bank

North Fork Bancorporation

This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements include,but are not limited to, statements about the benefits of the mergers between North Fork and each of GreenPoint Financial Corp. ("GreenPoint") and TheTrust Company of New Jersey ("Trustcompany"), including future financial and operating results, North Fork's plans, objectives, expectations andintentions and other statements that are not historical facts. Such statements are based upon the current beliefs and expectations of North Fork's,GreenPoint's and Trustcompany's management and are subject to significant risks and uncertainties. Actual results may differ from those set forth in theforward-looking statements. The following factors, among others, could cause actual results to differ from those set forth in the forward-lookingstatements: the ability to obtain governmental approvals of the mergers on the proposed terms and schedule; the failure of North Fork and GreenPointstockholders to approve the GreenPoint merger; the failure of Trustcompany stockholders to approve the Trustcompany merger; the risk that the businesseswill not be integrated successfully; the risk that the cost savings and any revenue synergies from the mergers may not be fully realized or may take longerto realize than expected; disruption from the mergers making it more difficult to maintain relationships with clients, employees or suppliers; increasedcompetition and its effect on pricing, spending, third-party relationships and revenues; the risk of new and changing regulation in the U.S. andinternationally. Additional factors that could cause North Fork's or GreenPoint's results to differ materially from those described in the forward-lookingstatements can be found in the 2002 Annual Reports on Forms 10-K of North Fork and GreenPoint, and in the Quarterly Reports on Form 10-Q of NorthFork and GreenPoint filed with the Securities and Exchange Commission and available at the Securities and Exchange Commission's internet site(http://www.sec.gov). Additional factors that could cause Trustcompany's results to differ materially from those described in the forward-lookingstatements can be found in the 2003 Annual Report on Form 10-K and Quarterly Reports on Form 10-Q of Trustcompany filed with the Federal DepositInsurance Corporation. The forward-looking statements in this document speak only as of the date of the document, and neither North Fork, GreenPointnor Trustcompany assumes any obligation to update the forward-looking statements or to update the reasons why actual results could differ from thosecontained in the forward-looking statements.

Stockholders are urged to read the joint proxy statement/prospectus regarding the proposed merger with GreenPoint and the proxystatement/prospectus regarding the proposed merger with Trustcompany when such documents become available because they will containimportant information. Stockholders will be able to obtain a free copy of such documents, as well as other filings containing information about NorthFork, GreenPoint and Trustcompany, without charge, at the Securities and Exchange Commission's internet site (http://www.sec.gov). Copies of the jointproxy statement/prospectus for the GreenPoint merger, the proxy statement/prospectus for the Trustcompany merger and the filings with the Securities andExchange Commission that will be incorporated by reference in such documents can also be obtained, when available, without charge, by directing arequest to North Fork Bancorporation, Inc., 275 Broadhollow Road, Melville, NY 11747; Attention: Aurelie Campbell, 631-844-1252.

The directors and executive officers of North Fork and other persons may be deemed to be participants in North Fork's solicitation of proxies in respect ofthe proposed merger between North Fork and GreenPoint. Information regarding North Fork's directors and executive officers is available in itsproxy statement filed with the Securities and Exchange Commission by North Fork on March 21, 2003. Other information regarding the participantsin North Fork's proxy solicitation in respect of the proposed merger between North Fork and GreenPoint and a description of their direct and indirectinterests, by security holdings or otherwise, will be contained in the joint proxy statement/prospectus regarding the proposed merger with GreenPoint andother relevant materials to be filed with the Securities and Exchange Commission when they become available.

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FILED PURSUANT TO RULE 425: TRUST CO OF NJ filing contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements include,