Home > First Bank of Central Jersey > Income and Expense

First Bank of Central Jersey, Income and Expense

2002-12-31 (YTD Data)Rank
Total interest income$3,635,0006,210
Total interest expense$1,711,0005,304
Net interest income$1,924,0006,744
Provision for loan and lease losses$08,089
Total noninterest income$116,0008,215
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$9,0008,091
Trading account gains and fees$0153
Additional Noninterest Income$107,0006,305
Total noninterest expense$2,933,0004,536
Salaries and employee benefits$1,284,0005,233
Premises and equipment expense$305,0005,529
Additional noninterest expense$1,344,0003,268
Pre-tax net operating income$-893,0009,095
Securities gains (losses)$72,0002,068
Applicable income taxes$1,0007,615
Income before extraordinary items$-822,0009,141
Extraordinary gains, net$070
Net income$-822,0009,137
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,318,000520
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$-894,0009,120
2001-12-31 (YTD Data)Rank
Total interest income$4,807,0005,753
Total interest expense$2,682,0005,146
Net interest income$2,125,0006,239
Provision for loan and lease losses$3,984,000421
Total noninterest income$317,0006,265
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$8,0008,282
Trading account gains and fees$0177
Additional Noninterest Income$309,0004,054
Total noninterest expense$2,684,0004,717
Salaries and employee benefits$1,314,0004,988
Premises and equipment expense$355,0004,979
Additional noninterest expense$1,015,0004,024
Pre-tax net operating income$-4,226,0009,557
Securities gains (losses)$114,0001,646
Applicable income taxes$07,903
Income before extraordinary items$-4,112,0009,564
Extraordinary gains, net$0105
Net income$-4,112,0009,565
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,269,000789
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$-4,226,0009,554
2000-12-31 (YTD Data)Rank
Total interest income$4,208,0006,320
Total interest expense$2,382,0005,731
Net interest income$1,826,0006,875
Provision for loan and lease losses$545,0001,740
Total noninterest income$407,0005,496
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$13,0008,373
Trading account gains and feesNANA
Additional Noninterest Income$394,0003,381
Total noninterest expense$2,120,0005,466
Salaries and employee benefits$1,116,0005,507
Premises and equipment expense$267,0005,811
Additional noninterest expense$737,0004,996
Pre-tax net operating income$-432,0009,497
Securities gains (losses)$18,000979
Applicable income taxes$08,362
Income before extraordinary items$-414,0009,525
Extraordinary gains, net$038
Net income$-414,0009,525
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$288,0001,875
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$-432,0009,534
1999-12-31 (YTD Data)Rank
Total interest income$2,750,0007,651
Total interest expense$1,294,0007,420
Net interest income$1,456,0007,671
Provision for loan and lease losses$130,0004,573
Total noninterest income$563,0004,609
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$12,0008,649
Trading account gains and feesNANA
Additional Noninterest Income$551,0002,775
Total noninterest expense$1,782,0006,116
Salaries and employee benefits$1,008,0005,854
Premises and equipment expense$208,0006,677
Additional noninterest expense$566,0006,046
Pre-tax net operating income$107,0009,043
Securities gains (losses)$3,0002,393
Applicable income taxes$08,765
Income before extraordinary items$110,0008,894
Extraordinary gains, net$035
Net income$110,0008,891
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,0006,647
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$107,0008,881
1998-12-31 (YTD Data)Rank
Total interest income$724,00010,083
Total interest expense$234,00010,152
Net interest income$490,0009,943
Provision for loan and lease losses$79,0005,632
Total noninterest income$5,00010,342
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$2,0009,010
Trading account gains and feesNANA
Additional Noninterest Income$3,00010,282
Total noninterest expense$1,111,0007,788
Salaries and employee benefits$635,0007,561
Premises and equipment expense$138,0007,911
Additional noninterest expense$338,0007,759
Pre-tax net operating income$-695,00010,267
Securities gains (losses)$22,0002,353
Applicable income taxes$09,340
Income before extraordinary items$-673,00010,296
Extraordinary gains, net$032
Net income$-673,00010,291
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,132
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$7,399,000156
Net operating income$-695,00010,278

* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.