Home > The Community Bank of New Jersey > Income and Expense
The Community Bank of New Jersey, Income and Expense
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $8,051,000 | 1,749 |
| Total interest expense | $2,255,000 | 1,764 |
| Net interest income | $5,796,000 | 1,724 |
| Provision for loan and lease losses | $318,000 | 1,467 |
| Total noninterest income | $869,000 | 2,447 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $329,000 | 2,521 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $540,000 | 2,071 |
| Total noninterest expense | $4,914,000 | 1,646 |
| Salaries and employee benefits | $2,324,000 | 1,867 |
| Premises and equipment expense | $995,000 | 1,166 |
| Additional noninterest expense | $1,595,000 | 1,513 |
| Pre-tax net operating income | $1,433,000 | 2,683 |
| Securities gains (losses) | $2,000 | 3,048 |
| Applicable income taxes | $507,000 | 2,180 |
| Income before extraordinary items | $928,000 | 3,121 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $928,000 | 3,122 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,524 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $926,700 | 3,040 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,035,000 | 1,744 |
| Total interest expense | $1,226,000 | 1,642 |
| Net interest income | $2,809,000 | 1,768 |
| Provision for loan and lease losses | $54,000 | 3,215 |
| Total noninterest income | $424,000 | 2,434 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $173,000 | 2,365 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $251,000 | 2,125 |
| Total noninterest expense | $2,497,000 | 1,629 |
| Salaries and employee benefits | $1,183,000 | 1,857 |
| Premises and equipment expense | $512,000 | 1,151 |
| Additional noninterest expense | $802,000 | 1,501 |
| Pre-tax net operating income | $682,000 | 2,760 |
| Securities gains (losses) | $2,000 | 2,612 |
| Applicable income taxes | $237,000 | 2,275 |
| Income before extraordinary items | $447,000 | 3,209 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $447,000 | 3,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,358 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $445,700 | 3,114 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $17,402,000 | 1,637 |
| Total interest expense | $5,597,000 | 1,610 |
| Net interest income | $11,805,000 | 1,642 |
| Provision for loan and lease losses | $214,000 | 3,905 |
| Total noninterest income | $1,520,000 | 2,819 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $596,000 | 2,705 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $924,000 | 2,507 |
| Total noninterest expense | $9,468,000 | 1,693 |
| Salaries and employee benefits | $4,561,000 | 1,889 |
| Premises and equipment expense | $1,782,000 | 1,277 |
| Additional noninterest expense | $3,125,000 | 1,581 |
| Pre-tax net operating income | $3,643,000 | 2,142 |
| Securities gains (losses) | $408,000 | 861 |
| Applicable income taxes | $1,379,000 | 1,751 |
| Income before extraordinary items | $2,672,000 | 2,253 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,672,000 | 2,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,204 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,402,720 | 2,344 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $13,106,000 | 1,664 |
| Total interest expense | $4,239,000 | 1,667 |
| Net interest income | $8,867,000 | 1,657 |
| Provision for loan and lease losses | $214,000 | 3,227 |
| Total noninterest income | $1,104,000 | 2,937 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $436,000 | 2,763 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $668,000 | 2,652 |
| Total noninterest expense | $7,260,000 | 1,674 |
| Salaries and employee benefits | $3,402,000 | 1,898 |
| Premises and equipment expense | $1,326,000 | 1,292 |
| Additional noninterest expense | $2,532,000 | 1,455 |
| Pre-tax net operating income | $2,497,000 | 2,389 |
| Securities gains (losses) | $408,000 | 783 |
| Applicable income taxes | $1,036,000 | 1,806 |
| Income before extraordinary items | $1,869,000 | 2,471 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,869,000 | 2,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,822 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,607,880 | 2,669 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $8,642,000 | 1,705 |
| Total interest expense | $2,845,000 | 1,711 |
| Net interest income | $5,797,000 | 1,679 |
| Provision for loan and lease losses | $173,000 | 2,798 |
| Total noninterest income | $685,000 | 3,059 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $271,000 | 2,875 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $414,000 | 2,744 |
| Total noninterest expense | $4,812,000 | 1,672 |
| Salaries and employee benefits | $2,267,000 | 1,892 |
| Premises and equipment expense | $891,000 | 1,287 |
| Additional noninterest expense | $1,654,000 | 1,483 |
| Pre-tax net operating income | $1,497,000 | 2,600 |
| Securities gains (losses) | $374,000 | 699 |
| Applicable income taxes | $682,000 | 1,853 |
| Income before extraordinary items | $1,189,000 | 2,600 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,189,000 | 2,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $949,640 | 2,920 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,184,000 | 1,761 |
| Total interest expense | $1,415,000 | 1,757 |
| Net interest income | $2,769,000 | 1,754 |
| Provision for loan and lease losses | $113,000 | 2,176 |
| Total noninterest income | $315,000 | 3,140 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $118,000 | 3,121 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $197,000 | 2,742 |
| Total noninterest expense | $2,407,000 | 1,659 |
| Salaries and employee benefits | $1,135,000 | 1,886 |
| Premises and equipment expense | $458,000 | 1,250 |
| Additional noninterest expense | $814,000 | 1,465 |
| Pre-tax net operating income | $564,000 | 3,218 |
| Securities gains (losses) | $373,000 | 437 |
| Applicable income taxes | $345,000 | 1,840 |
| Income before extraordinary items | $592,000 | 2,570 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $592,000 | 2,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $353,280 | 3,600 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $15,878,000 | 1,945 |
| Total interest expense | $5,217,000 | 2,149 |
| Net interest income | $10,661,000 | 1,819 |
| Provision for loan and lease losses | $893,000 | 1,496 |
| Total noninterest income | $1,277,000 | 2,946 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $435,000 | 3,332 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $842,000 | 2,432 |
| Total noninterest expense | $8,422,000 | 1,802 |
| Salaries and employee benefits | $4,010,000 | 1,993 |
| Premises and equipment expense | $1,588,000 | 1,383 |
| Additional noninterest expense | $2,824,000 | 1,660 |
| Pre-tax net operating income | $2,623,000 | 2,786 |
| Securities gains (losses) | $554,000 | 623 |
| Applicable income taxes | $1,160,000 | 1,980 |
| Income before extraordinary items | $2,017,000 | 2,781 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,017,000 | 2,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $451,000 | 1,798 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,662,440 | 3,138 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $14,165,000 | 2,418 |
| Total interest expense | $5,591,000 | 2,841 |
| Net interest income | $8,574,000 | 2,085 |
| Provision for loan and lease losses | $386,000 | 2,699 |
| Total noninterest income | $1,428,000 | 2,610 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $402,000 | 3,384 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,026,000 | 2,005 |
| Total noninterest expense | $7,261,000 | 1,976 |
| Salaries and employee benefits | $3,397,000 | 2,209 |
| Premises and equipment expense | $1,229,000 | 1,762 |
| Additional noninterest expense | $2,635,000 | 1,738 |
| Pre-tax net operating income | $2,355,000 | 2,797 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $844,000 | 2,336 |
| Income before extraordinary items | $1,511,000 | 3,203 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,511,000 | 3,208 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,166 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,511,000 | 3,102 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $11,280,000 | 3,062 |
| Total interest expense | $4,946,000 | 3,356 |
| Net interest income | $6,334,000 | 2,803 |
| Provision for loan and lease losses | $348,000 | 2,585 |
| Total noninterest income | $909,000 | 3,367 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $358,000 | 3,529 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $551,000 | 2,785 |
| Total noninterest expense | $5,690,000 | 2,403 |
| Salaries and employee benefits | $2,694,000 | 2,639 |
| Premises and equipment expense | $881,000 | 2,349 |
| Additional noninterest expense | $2,115,000 | 2,048 |
| Pre-tax net operating income | $1,205,000 | 4,709 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $53,000 | 7,189 |
| Income before extraordinary items | $1,152,000 | 3,977 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,152,000 | 3,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,468 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,152,000 | 3,962 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,661,000 | 4,588 |
| Total interest expense | $2,453,000 | 5,251 |
| Net interest income | $4,208,000 | 3,999 |
| Provision for loan and lease losses | $325,000 | 2,488 |
| Total noninterest income | $571,000 | 4,573 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $251,000 | 4,513 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $320,000 | 3,875 |
| Total noninterest expense | $3,947,000 | 3,346 |
| Salaries and employee benefits | $1,767,000 | 3,797 |
| Premises and equipment expense | $622,000 | 3,152 |
| Additional noninterest expense | $1,558,000 | 2,774 |
| Pre-tax net operating income | $507,000 | 7,108 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $507,000 | 6,389 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $507,000 | 6,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,619 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $340,000 | 661 |
| Net operating income | $507,000 | 6,365 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,536,000 | 6,910 |
| Total interest expense | $1,359,000 | 7,520 |
| Net interest income | $2,177,000 | 6,335 |
| Provision for loan and lease losses | $664,000 | 1,377 |
| Total noninterest income | $136,000 | 8,456 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $113,000 | 6,606 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 9,338 |
| Total noninterest expense | $2,259,000 | 5,115 |
| Salaries and employee benefits | $1,129,000 | 5,306 |
| Premises and equipment expense | $305,000 | 5,339 |
| Additional noninterest expense | $825,000 | 4,578 |
| Pre-tax net operating income | $-610,000 | 10,235 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-610,000 | 10,276 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-610,000 | 10,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $6,610,000 | 179 |
| Net operating income | $-610,000 | 10,249 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $932,000 | 10,372 |
| Total interest expense | $259,000 | 10,582 |
| Net interest income | $673,000 | 10,012 |
| Provision for loan and lease losses | $250,000 | 2,930 |
| Total noninterest income | $17,000 | 10,727 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $11,000 | 9,265 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 10,622 |
| Total noninterest expense | $1,435,000 | 6,949 |
| Salaries and employee benefits | $469,000 | 8,827 |
| Premises and equipment expense | $126,000 | 8,337 |
| Additional noninterest expense | $840,000 | 4,563 |
| Pre-tax net operating income | $-995,000 | 10,844 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-995,000 | 10,855 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-995,000 | 10,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-995,000 | 10,843 |
* 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.