EX-99.1 2 dex991.htm PRESENTATION TO BE MADE AT THE COMPANY'S ANNUAL MEETING OF SHAREHOLDERS Presentation to be made at the Company's Annual Meeting of Shareholders
NASDAQ: OCFC
WELCOME TO THE
2011 ANNUAL MEETING
OF SHAREHOLDERS
OceanFirst Financial Corp.
MAY 5, 2011
Exhibit 99.1

NASDAQ: OCFC
OceanFirst Financial Corp.
This presentation contains certain forward-looking statements which are based on certain
assumptions and describe future plans, strategies and expectations of the Company.  These
forward-looking statements are generally identified by use of the words “believe”, “expect”,
“intend”, “anticipate”, “estimate”, “project”, or similar expressions.  The Company’s ability to
predict results or the actual effect of future plans or strategies is inherently uncertain.  Factors
which could have a material adverse effect on the operations of the Company and the
subsidiaries include, but are not limited to, changes in interest rates, general economic
conditions, legislative/regulatory changes, monetary and fiscal policies of the U.S. Government,
including policies of the U.S. Treasury and the Board of Governors of the Federal Reserve
System, the quality or composition of the loan or investment portfolios, demand for loan products,
deposit flows, competition, demand for financial services in the Company’s market area and
accounting principles and guidelines.  These risks and uncertainties should be considered in
evaluating forward-looking statements and undue reliance should not be placed on such
statements.  The Company does not undertake – and specifically disclaims any obligation –  to
publicly release the result of any revisions which may be made to any forward-looking statements
to reflect events or circumstances after the date of such statements or to reflect the occurrence of
anticipated or unanticipated events.

NASDAQ: OCFC
Record Setting $20.4 Million Net Income in 2010
0
5
10
15
20
25
1997
1998
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010

NASDAQ: OCFC
OCFC
Share
Price
1
…
+ 38.6% since late 2009 low
+12.7% in 2011
Total
Average
Shareholder
Return
2
…
26.5% in 2010
Top quartile of our peer group
Market Recognition of Our Performance
1
Through April 29, 2011
2
December 2009 to December 2010

NASDAQ: OCFC
OUTLOOK FOR THE FUTURE
Creating Shareholder Value
Extraordinary Community Banking

NASDAQ: OCFC
Extraordinary Community Banking
Educating our customers and friends
Supporting our community –
OceanFirst
Foundation
People make the difference

NASDAQ: OCFC
The “5 C’s”
of OceanFirst’s Plan
Compliance
Cost Management
Credit Quality
Capital
Customer

NASDAQ: OCFC
The “5 C’s”
of OceanFirst’s Plan
Compliance:
Heightened compliance requirements
Increased and evolving regulatory oversight

NASDAQ: OCFC
The “5 C’s”
of OceanFirst’s Plan
Cost Management:
Careful and balanced investment in our future
Ongoing justification of expenses
Continue to invest wisely:
•
People
•
Infrastructure
•
Risk Management

NASDAQ: OCFC
The “5 C’s”
of OceanFirst’s Plan
Credit Quality:
Making prudent loans
•
Residential
•
Commercial
•
Consumer

NASDAQ: OCFC
The “5 C’s”
of OceanFirst’s Plan
Capital:
Satisfies evolving regulatory requirements
Solidifies our ability to thrive and grow in a rapidly
changing environment
Allows us to protect and enhance shareholder value

NASDAQ: OCFC
The “5 C’s”
of OceanFirst’s Plan
Customer:
Focus on “Extraordinary Customer Care”
Offer latest technologies
People make the difference

NASDAQ: OCFC
Conclusion
Challenging environment
Economy
Regulatory landscape
Opportunity for Excellence

NASDAQ: OCFC

NASDAQ: OCFC
QUESTIONS AND ANSWERS

NASDAQ: OCFC
THANK YOU
FOR ATTENDING THE
2011 ANNUAL MEETING
OF SHAREHOLDERS
OceanFirst Financial Corp.