Net Income Analysis ( % relative to Total Revenue )
Income Statement Kearny Bank All Insured Savings Banks in New Jersey
Interest and Fees on Loans 106,931 25,610
Income from Lease Financing Receivables — 0
— 7
Estimated Tax Benefit from Tax-Exempt Loan Income — 4
Income on Loans and Leases (TE) 106,931 25,617
Investment Interest Income (TE) 27,594 5,245
Total Interest Income (TE) 136,481 31,333
Total Interest Expense 36,638 6,803
Net Interest Income (TE) 99,843 24,529
Non-Interest Income 9,872 3,336
Adjusted Operating Income (TE) 109,715 35,108
Non-interest Expense 72,974 22,934
Provision for Loan & Lease Losses 7,018 478
Pretax Operating Income (TE) 29,723 8,807
Pretax Net Operating Income (TE) 29,744 9,028
Applicable Income Taxes 9,547 2,758
Net Operating Income 19,005 6,133
Net Income 19,005 6,133
Cash Dividends Declared — 205
Retained Earnings 19,005 5,383