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<PAGE>
Exhibit 11.0
PAMRAPO BANCORP, INC. AND SUBSIDIARIES
STATEMENT RE: COMPUTATION OF EARNINGS PER SHARE
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<TABLE>
<CAPTION>
Three Months Ended Nine Months Ended
September 30, 2000 September 30, 2000
-------------------------- --------------------------
<S> <C> <C>
Net income $ 1,071,581 $ 3,253,508
============ ============
Weighted average shares outstanding - basic and diluted 2,618,306 2,643,858
============ ============
Basic and diluted earnings per share $ 0.41 $ 1.23
============ ============
</TABLE>
-17-
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