 Shareholder Meeting August 25, 2008 C A P E B A N C O R P Exhibit 99 |
 Corporate Overview Organized in 1923 as a New Jersey- chartered Savings and Loan Headquartered in Cape May Court House, New Jersey Branches located in key regional economic hubs of Atlantic City to Cape May for both individuals and businesses Financial data as of December 31, 2007 (pre-offering & acquisition): Assets $633.8 million Deposits $465.6 million Net Loans $460.3 million Equity $72.8 million On January 31, 2008, Cape Bancorp completed its $78.2 million initial public stock offering in connection with the mutual to stock conversion of Cape Bank and the simultaneous acquisition of Boardwalk Bancorp, Inc., Linwood, NJ. Trades on the NASDAQ Global Select Market under symbol CBNJ Operates 18 full service branches in Cape May and Atlantic Counties, New Jersey Financial data as of June 30, 2008: Assets $1.159 billion Deposits $745.4 million Net Loans $799.6 million Equity $182.7 million C A P E B A N C O R P 2 |
 Current Branch Locations 1000 Asbury Ave Ocean City, NJ 08226 9616 2nd Ave Stone Harbor, NJ 08247 199 New Rd Somers Point, NJ 08244 2251 Ocean Heights Ave Egg Harbor Township, NJ 08234 320 E Jimmie Leeds Rd Galloway, NJ 08205 3707 Rt 9 S Rio Grande, NJ 08242 46 S Shore Rd Marmora, NJ 08223 1501 Pacific Ave Atlantic City, NJ 08401 907 S Route 9 Cape May Court House, NJ 08210 4096 English Creek Ave Egg Harbor Township, NJ 08234 3101 New Jersey Ave Wildwood, NJ 08260 Black Horse Pike & Fire Rd Egg Harbor Township, NJ 08234 217 Jackson St Cape May, NJ 08204 1899 Bayshore Rd Villas, NJ 08251 9312 Ventnor Ave Margate City, NJ 08402 Essex & Ventnor Ave Margate City, NJ 08402 201 Shore Rd Linwood, NJ 08221 225 N Main St Cape May Court House, NJ 08210 3 C A P E B A N C O R P |
 7 Experienced Management Team C A P E B A N C O R P 41 Executive Vice President and Chief Lending Officer 60 Guy A. Deninger 35 Executive Vice President and Chief Financial Officer 56 Robert J. Boyer 33 Executive Vice President and Chief Operating Officer 58 Michael D. Devlin 35 President and Chief Executive Officer 59 Herbert L. Hornsby, Jr. Years of Experience Position Age Executive Officer Team 2008 2002 Director 63 Joanne D. Kay 2010 1977 Director 61 David C. Ingersoll, Jr. 2008 1983 Director 59 Herbert L. Hornsby, Jr. 2008 1977 Director 71 Louis H. Griesbach, Jr. 2010 2006 Director 59 Frank J. Glaser 2008 2008 Director 63 Agostino R. Fabietti * 2009 2008 Director 58 Michael D. Devlin * * Board members of Boardwalk Bancorp, Inc appointed to Cape Bancorp's Board of Directors following the January 31, 2008 acquisition 2010 2008 Director 52 Thomas K. Ritter * 2009 2004 Director 38 Matthew J. Reynolds 2009 1974 Chairman 70 Robert F. Garrett, III Current Term Expires Director Since Position Held with Cape Bancorp, Inc. Age Directors 4 |
 Major Operational Initiatives Completed Since Merger Announcement C A P E B A N C O R P |
 6 Financial Highlights C A P E B A N C O R P |
 9 Balance Sheet Trends C A P E B A N C O R P Total Assets $495.6 $532.6 $574.5 $609.8 $633.8 $1,160.9 $1,158.9 $0 $200 $400 $600 $800 $1,000 $1,200 $1,400 2003 2004 2005 2006 2007 1Q08 2Q08 Cape has historically demonstrated consistent balance sheet growth, which was greatly augmented by the acquisition in 1Q 2008. 7 |
 12 Deposit Trends C A P E B A N C O R P $388.0 $420.2 $432.4 $435.8 $465.6 $788.9 $745.4 $0 $100 $200 $300 $400 $500 $600 $700 $800 $900 2003 2004 2005 2006 2007 1Q08 2Q08 Total Deposits 8 Recently, we have allowed higher cost CDs to roll-off and replaced them with lower cost borrowings. |
 17 Deposit Composition C A P E B A N C O R P Retail Time, 29.11% Jumbo Time, 18.98% Savings accounts, 11.13% Transaction, 24.00% MMDA, 16.78% Savings accounts, 17.09% Retail Time, 28.34% Jumbo Time, 9.38% Transaction, 28.21% MMDA, 16.98% 9 Pre-Acquisition (12/31/07) Current (06/30/08) |
 12 Strong Loan Growth C A P E B A N C O R P The loan portfolio has demonstrated strong growth primarily driven by commercial real estate and commercial loan growth. The acquisition’s loan portfolio has been helpful to our current strategy to increase our commercial lending initiative. Gross Loans $346.5 $366.4 $413.8 $450.4 $464.7 $798.6 $808.8 $0 $100 $200 $300 $400 $500 $600 $700 $800 $900 2003 2004 2005 2006 2007 1Q08 2Q08 10 |
 Commercial Mortgage, 42.98% 1-4 Family , 45.86% Construction, 8.30% Other Consumer Loans, 0.27% Commercial Business, 2.59% Current (06/30/08) Loan Composition Pre-Acquisition (12/31/07) 11 C A P E B A N C O R P 1-4 Family, 32.26% Commercial Mortgage, 53.07% Construction, 6.84% Other Consumer Loans, 0.19% Commercial Business, 7.64% |
 12 C A P E B A N C O R P Cape has continued to shift its lending activities towards the commercial sector. The acquisition significantly enhanced this effort. Represents regulatory reported bank level data as reported by SNL Financial Increasing Emphasis on Commercial Lending 12 Includes commercial real estate, C&I and construction loans 43.0% 44.1% 47.7% 50.7% 53.8% 66.3% 67.6% 0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 70.0% 80.0% 2003 2004 2005 2006 2007 1Q08 2Q08 |
 15 Disciplined Credit Culture C A P E B A N C O R P Despite a recent increase in non-performing loans, Cape has historically demonstrated a conservative credit culture that resulted in strong asset quality metrics. 0.01% 0.01% 0.06% 0.02% 0.00% 0.00% 0.01% NCO/ Avg. Loans 1.08% 1.02% 0.89% 0.89% 0.92% 0.98% 0.88% Allowance/ Total Loans 33.83% 56.18% 103.02% 111.80% 148.47% 430.98% 186.29% Allowance/ NPLs 3.18% 1.82% 0.86% 0.79% 0.62% 0.23% 0.47% NPLs/ Total Loans 2.22% 1.26% 0.63% 0.59% 0.44% 0.16% 0.33% NPAs/ Total Assets 2Q08 1Q08 2007 2006 2005 2004 2003 13 |
 12 Asset Quality Trends C A P E B A N C O R P Due to a recent increase in non-performing assets, management has significantly increased the provision for loan losses, negatively impacting recent earnings performance. 14 $- $100 $200 $300 $400 $500 $600 $700 $800 $900 2003 2004 2005 2006 2007 YTD 2008 0.00% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% Provision NPLs/Loans |
 Non-Performing Loan Analysis 15 C A P E B A N C O R P Commercial , 95.345% Residential, 4.651% Consumer, 0.0039% •As of June 30, 2008 Residential, Duplex, Multi- family , 25% Commerical Building and Equipment, 7% Land and Building Lots, 20% Retail Store and Restaurants, 20% B&B and Hotels, 11% Marina and Auto Dealerships, 17% Breakdown of Non-Performing Loans Non-Performing Commercial Loans by Collateral |
 Investment Portfolio Composition Pre-Acquisition (12/31/07) Current (06/30/08) 16 Government Agency Debt, 16.04% Corporate Debt, 6.44% Freddie Mac Preferred, 0.16% Mortgage- backed Securities, 59.03% State Issued Municipals, 18.33% Government Agency Debt, 26.42% Other Debt Securities, 0.37% CDO's, 9.32% Fannie & Freddie Preferred, 0.56% Corporate Debt, 3.72% Mortgage- backed Securities, 41.69% State Issued Municipals, 17.92% |
 9 Historical Earnings Trends C A P E B A N C O R P $4,289 $4,264 $4,424 $5,001 $3,428 $1,337 -$2,246 $(3,000) $(2,000) $(1,000) $- $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 2003 2004 2005 2006 2007 1Q08 2Q08 -1.50% -1.00% -0.50% 0.00% 0.50% 1.00% Net Income ROAA Cape has historically delivered strong earnings performance. 1Q08 earnings were adversely affected primarily as a result of the contribution to the charitable foundation and merger related costs. 2Q08 earnings were influenced by an increased provision and merger related costs. 17 |
 Capital Trends 11.22% 11.16% 11.05% 11.31% 11.52% 11.86% 11.50% 8.00% 8.50% 9.00% 9.50% 10.00% 10.50% 11.00% 11.50% 12.00% 12.50% 2003 2004 2005 2006 2007 1Q08 2Q08 Tangible Equity/Tangible Assets (%) Cape remains very well-capitalized and far above regulatory thresholds. 18 |
 19 Market Highlights C A P E B A N C O R P |
 CBNJ Performance Since IPO 20 As of August 19, 2008 C A P E B A N C O R P CBNJ Price 0 25,000 50,000 75,000 100,000 $7.00 $7.50 $8.00 $8.50 $9.00 $9.50 $10.00 $10.50 $11.00 Volume |
 CBNJ Relative % Change Since IPO 21 -8.1% -8.5% -16.8% -26.2% As of August 19, 2008 C A P E B A N C O R P 0.60 0.65 0.70 0.75 0.80 0.85 0.90 0.95 1.00 1.05 CBNJ NASDAQ Bank SNL Thrift S&P 500 |
 Peer Trading Analysis 22 C A P E B A N C O R P Peer group consists of fully public banks and thrifts located in the Mid-Atlantic and New England Regions with Assets Between $1.0B and $1.5B and have a tangible equity / tangible assets ratio of greater than 5.0%. As of August 19, 2008 Cape Bancorp, Peer Peer Inc. Median Average Current Pricing Ratios Current Stock Price $9.15 Price/Book Value (%) 66.7 118.3 130.5 Price/Tangible Book Value (%) 95.7 141.2 146.5 Price/MRQ EPS (x) 20.8 14.2 16.5 |
 23 Questions? C A P E B A N C O R P |