Bancorp of new jersey, inc. (BKJ)
Income statement / Quarterly
Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Mar'11Sep'10Jun'10
INTEREST INCOME
Loans, including fees

9,535

9,089

8,756

8,847

8,779

8,179

8,148

8,024

7,614

7,684

7,385

7,402

7,620

7,467

7,753

7,493

7,545

7,844

7,569

7,174

7,267

6,409

6,029

6,012

6,058

5,886

5,679

5,621

5,507

5,382

5,056

4,998

4,791

4,657

4,457

4,088

4,011

Securities

168

179

207

218

229

233

236

239

234

189

200

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Securities

-

-

-

-

-

-

-

-

-

-

-

169

166

198

218

210

229

219

229

227

226

229

245

238

234

236

375

471

493

450

368

267

211

230

201

208

181

Federal funds sold and other

616

419

413

-878

319

261

307

-826

353

290

190

-305

110

109

91

-110

51

40

25

-34

7

12

20

-45

19

20

15

-48

19

16

21

-27

12

12

9

13

14

TOTAL INTEREST INCOME

10,319

9,687

9,376

9,421

9,327

8,673

8,691

8,502

8,201

8,163

7,775

7,678

7,896

7,774

8,062

7,775

7,825

8,103

7,823

7,415

7,500

6,650

6,294

6,275

6,311

6,142

6,069

6,110

6,019

5,848

5,445

5,281

5,014

4,899

4,667

4,309

4,206

INTEREST EXPENSE
Savings and interest bearing transaction accounts

938

918

880

818

546

464

417

436

440

442

438

414

385

373

351

320

321

306

297

284

251

237

227

206

177

212

201

173

155

107

86

68

55

58

48

43

42

Time deposits

2,387

2,031

1,743

1,673

1,663

1,609

1,514

1,487

1,447

1,435

1,208

1,166

1,238

1,238

1,384

1,560

1,629

1,618

1,525

1,426

1,360

1,323

1,288

1,335

1,339

1,322

1,307

1,369

1,404

1,408

1,373

1,269

1,141

1,068

1,035

1,062

1,045

Borrowed funds

382

350

350

251

184

123

49

56

62

73

87

97

112

115

101

107

113

119

126

-

82

1

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Short term

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2

1

-

-

-

TOTAL INTEREST EXPENSE

3,707

3,299

2,973

2,742

2,393

2,196

1,980

1,979

1,949

1,950

1,733

1,677

1,735

1,726

1,836

1,987

2,063

2,043

1,948

1,842

1,693

1,561

1,515

1,541

1,516

1,534

1,508

1,542

1,559

1,515

1,459

1,337

1,198

1,127

1,083

1,105

1,087

NET INTEREST INCOME BEFORE PROVISION FOR LOAN LOSSES

6,612

6,388

6,403

6,679

6,934

6,477

6,711

6,523

6,252

6,213

6,042

6,001

6,161

6,048

6,226

5,788

5,762

6,060

5,875

5,573

5,807

5,089

4,779

4,734

4,795

4,608

4,561

4,568

4,460

4,333

3,986

3,944

3,816

3,772

3,584

3,204

3,119

Provision for loan losses

250

140

-

220

280

325

325

-

-

-

-

0

1,120

150

300

265

-124

413

370

1,598

693

344

440

125

225

320

140

313

260

330

295

285

300

212

386

430

384

NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES

6,362

6,248

6,403

6,459

6,654

6,152

6,386

6,123

6,252

6,213

6,042

6,001

5,041

5,898

5,926

5,523

5,886

5,647

5,505

3,975

5,114

4,745

4,339

4,609

4,570

4,288

4,421

4,255

4,200

4,003

3,691

3,659

3,516

3,560

3,198

2,774

2,735

NON-INTEREST INCOME
Fees and service charges

134

143

114

100

115

110

95

-

111

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Fees and service charges

-

-

-

-

-

-

-

-

-

112

118

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Fees and service charges on deposit accounts

-

-

-

-

-

-

-

-

-

-

-

100

202

105

84

84

98

94

48

52

51

50

54

44

43

46

45

48

44

40

38

31

48

53

61

54

60

Fees earned from mortgage referrals

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

6

-

-

0

2

-

-

-

-

-

-

Losses on sale of securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-10

-5

-

-3

-2

-

0

-2

144

53

-

238

-

-

-

-

-

-

-

-

TOTAL NON-INTEREST INCOME

134

143

114

100

115

110

95

107

111

112

118

100

202

105

84

84

98

84

43

-

48

48

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

TOTAL NON-INTEREST INCOME

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

54

44

41

190

104

53

282

40

40

-

48

30

-

54

60

NON-INTEREST EXPENSE
Salaries and employee benefits

2,676

2,416

2,454

2,919

2,369

2,372

2,415

2,186

2,278

2,256

2,292

2,070

2,075

2,201

1,992

2,046

1,866

1,910

1,812

1,688

1,685

1,601

1,529

1,369

1,412

1,388

1,326

1,211

1,278

1,250

1,232

1,102

1,140

1,086

1,028

988

963

Occupancy and equipment expense

889

909

909

823

827

828

867

806

740

682

738

759

648

647

701

662

662

741

740

684

638

604

682

651

587

581

596

534

534

490

471

422

360

389

406

369

368

FDIC premiums and related expenses

-95

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

FDIC premiums and related expenses

-95

105

128

111

130

148

158

134

154

208

233

51

278

270

269

389

243

159

120

113

104

89

93

94

88

86

92

88

86

87

66

78

81

155

144

153

124

Legal fees

686

275

75

135

120

219

138

113

145

57

83

38

88

98

36

38

69

45

135

75

45

51

46

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other real estate owned expenses

49

22

3

2

1

2

7

51

8

9

2

14

9

69

3

43

6

9

168

-

-

35

-

-

-

-

-

-

-

-

-

-

-

-

180

-

-

Loss on sale of other real estate owned

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-23

-

-

-

Professional fees

455

203

234

165

237

245

248

266

249

246

487

721

382

189

251

148

223

237

166

14

133

161

136

-53

83

140

160

-95

180

148

80

-68

147

220

108

111

118

Data processing

403

281

287

365

149

205

333

500

297

332

304

317

312

289

283

242

256

241

235

210

215

187

205

188

195

185

179

178

182

175

160

185

141

128

112

114

104

Other expenses

476

507

435

604

585

692

537

738

359

516

362

600

449

657

456

470

563

431

452

470

389

293

259

282

214

253

285

217

335

245

243

192

201

277

187

181

223

TOTAL NON-INTEREST EXPENSE

5,539

4,718

4,525

5,124

4,418

4,711

4,703

4,794

4,230

4,306

4,501

4,570

4,241

4,420

3,991

4,038

3,888

3,773

3,828

3,273

3,209

3,021

2,950

2,708

2,579

2,633

2,638

2,375

2,595

2,395

2,252

1,901

2,070

2,255

2,165

1,916

1,900

Income before provision for income taxes

957

1,673

1,992

1,435

2,351

1,551

1,778

1,436

2,133

2,019

1,659

1,531

1,002

1,583

2,019

1,569

2,096

1,958

1,720

743

1,953

1,772

1,443

1,945

2,032

1,845

1,887

1,933

1,887

1,648

1,479

1,623

1,494

1,335

1,094

912

895

Income tax expense

440

329

431

249

589

361

435

1,562

784

730

597

533

322

552

727

537

738

664

596

163

692

694

572

778

807

728

742

766

745

654

582

652

593

523

456

368

371

Net income

517

1,344

1,561

1,186

1,762

1,190

1,343

-126

1,349

1,289

1,062

998

680

1,031

1,292

1,032

1,358

1,294

1,124

580

1,261

1,078

871

1,167

1,225

1,117

1,145

1,167

1,142

994

897

971

901

812

638

544

-

PER SHARE OF COMMON STOCK
Basic (in dollars per share)

0.07

0.18

0.21

0.18

0.24

0.16

0.19

-0.01

0.20

0.19

0.17

0.15

0.11

0.17

0.21

0.16

0.22

0.21

0.20

0.12

0.23

0.20

0.16

0.22

0.23

0.21

0.22

0.23

0.22

0.19

0.17

-

-

-

-

-

-

Diluted (in dollars per share)

0.07

0.18

0.21

0.18

0.24

0.16

0.19

-0.02

0.20

0.19

0.17

0.16

0.11

0.16

0.21

0.16

0.22

0.21

0.20

0.11

0.23

0.20

0.16

0.22

0.23

0.21

0.21

0.23

0.22

0.19

0.17

-

-

-

-

-

-

Net income

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

524

Basic and diluted earnings (in dollars per share)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0.17

0.16

0.12

0.10

0.10