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Business Description
Valley National Bancorp is a regional bank holding company, headquartered in Wayne, New Jersey. Its principal subsidiary, Valley National Bank, operates 129 offices in 83 communities serving 11 counties throughout northern New Jersey and Manhattan.

Financial Information
For the nine months ended 9/30/04, interest income rose 2% to $381.6 million. Net interest income after LLP rose 7% to $271.6 million. Net income fell less than 1% to $114.5 million. Net interest income reflects higher volume of loans and lower interest expenses. Net income reflects lower non-interest income.