| Jun'19 | Jun'18 | Jun'17 | Jun'16 | Jun'15 | Jun'14 | Jun'13 | Jun'12 | Jun'11 | Jun'10 |
|---|---|---|---|---|---|---|---|---|---|
INTEREST AND DIVIDEND INCOME: | |||||||||
Loans and leases, including fees | |||||||||
525,317 | 446,991 | 358,849 | 291,058 | 220,486 | 147,664 | 113,503 | 89,308 | 60,508 | 43,697 |
Securities borrowed and customer receivables | |||||||||
8,746 | 0 | 0 | - | - | - | - | - | - | - |
Investments | |||||||||
30,824 | 28,083 | 28,437 | 26,649 | 23,878 | 25,214 | 22,151 | 26,425 | 32,427 | 41,875 |
Total interest and dividend income | |||||||||
564,887 | 475,074 | 387,286 | 317,707 | 244,364 | 172,878 | 135,654 | 115,733 | 92,935 | 85,572 |
INTEREST EXPENSE: | |||||||||
Deposits | |||||||||
117,080 | 79,851 | 56,494 | 42,667 | 34,733 | 24,817 | 22,868 | 24,889 | 22,276 | 21,254 |
Advances from the Federal Home Loan Bank | |||||||||
32,834 | 22,848 | 12,403 | 11,175 | 8,910 | 6,981 | 5,939 | 5,955 | 6,263 | 7,725 |
Securities loaned | |||||||||
748 | 0 | 0 | - | - | - | - | - | - | - |
Other borrowings | |||||||||
5,620 | 3,881 | 5,162 | 2,854 | 1,776 | 3,983 | 5,219 | 5,701 | 5,883 | 5,974 |
Total interest expense | |||||||||
156,282 | 106,580 | 74,059 | 56,696 | 45,419 | 35,781 | 34,026 | 36,545 | 34,422 | 34,953 |
Net interest income | |||||||||
408,605 | 368,494 | 313,227 | 261,011 | 198,945 | 137,097 | 101,628 | 79,188 | 58,513 | 50,619 |
Provision for Loan and Lease Losses | |||||||||
27,350 | 25,800 | 11,061 | 9,700 | 11,200 | 5,350 | 7,550 | 8,063 | 5,800 | 5,775 |
Net interest income, after provision for loan and lease losses | |||||||||
381,255 | 342,694 | 302,166 | 251,311 | 187,745 | 131,747 | 94,078 | 71,125 | 52,713 | 44,844 |
NON-INTEREST INCOME: | |||||||||
Realized gain (loss) on sale of securities | |||||||||
709 | -18 | 3,920 | 1,427 | 587 | 208 | 212 | 0 | 2,420 | 13,037 |
Other-than-temporary loss on securities: | |||||||||
Other-than-temporary loss on securities: | |||||||||
1,666 | 6,271 | 10,937 | 3,472 | 6,805 | 2,359 | 8,080 | 3,583 | 5,942 | 6,910 |
Less: Portion of other temporary impairment losses recognized in OCI | |||||||||
845 | 6,115 | 8,973 | 2,907 | 4,440 | -443 | -4,579 | -780 | -4,401 | -872 |
Net impairment loss recognized in earnings | |||||||||
821 | 156 | 1,964 | 565 | 2,365 | 2,802 | 3,501 | 2,803 | 1,541 | 6,038 |
Fair value gain (loss) on trading securities | |||||||||
0 | 0 | 743 | -248 | -234 | 954 | 1,274 | 785 | 651 | -1,039 |
Change to net impairment losses recognized in earnings on securities | |||||||||
-821 | -156 | -1,221 | -813 | -2,599 | -1,848 | -2,227 | -2,018 | -890 | -7,077 |
Prepayment penalty fee income | |||||||||
5,851 | 3,862 | 4,574 | 2,914 | 4,695 | 2,687 | 1,742 | 863 | 1,073 | 122 |
Gain on sale – other | |||||||||
6,160 | 5,734 | 4,487 | 15,540 | 5,793 | 6,658 | 1,130 | 0 | 0 | - |
Mortgage banking income | |||||||||
5,267 | 13,755 | 14,284 | 11,076 | 15,264 | 10,170 | 22,953 | 16,708 | 4,731 | 1,694 |
Broker-dealer fee income | |||||||||
11,737 | 0 | 0 | - | - | - | - | - | - | - |
Banking and service fees | |||||||||
53,854 | 47,764 | 42,088 | 36,196 | 6,850 | 4,580 | 3,900 | 817 | 659 | 540 |
Total non-interest income | |||||||||
82,757 | 70,941 | 68,132 | 66,340 | 30,590 | 22,455 | 27,710 | 16,370 | 7,993 | 8,316 |
NON-INTEREST EXPENSE: | |||||||||
Salaries and related costs | |||||||||
127,433 | 100,975 | 81,821 | 66,667 | 43,819 | 32,240 | 28,874 | 20,339 | 14,524 | 7,371 |
Data processing | |||||||||
24,150 | 17,400 | 13,323 | 10,348 | 6,632 | 5,373 | 2,773 | 2,251 | 983 | 891 |
Depreciation and amortization | |||||||||
16,471 | 8,574 | 6,094 | 4,795 | 3,273 | 2,874 | 1,904 | 1,316 | 618 | 235 |
Advertising and promotional | |||||||||
14,710 | 15,500 | 9,367 | 6,867 | 6,060 | 3,724 | 4,084 | 2,703 | 1,025 | 444 |
Professional services | |||||||||
11,916 | 5,280 | 4,980 | 4,700 | 4,122 | 5,421 | 3,531 | 2,213 | 2,108 | 1,519 |
Occupancy and equipment | |||||||||
8,571 | 6,063 | 5,612 | 4,326 | 3,091 | 2,324 | 2,086 | 1,133 | 834 | 419 |
FDIC and regulatory fees | |||||||||
9,005 | 4,860 | 4,330 | 4,632 | 3,434 | 2,343 | 2,125 | 1,527 | 2,017 | 1,562 |
Broker-dealer clearing charges | |||||||||
2,822 | 0 | 0 | - | - | - | - | - | - | - |
Real estate owned and repossessed vehicles | |||||||||
913 | 260 | 498 | -46 | -120 | -149 | 505 | 2,382 | 1,554 | 2,661 |
General and administrative expense | |||||||||
35,215 | 15,024 | 11,580 | 10,467 | 7,167 | 5,783 | 7,705 | 4,094 | 2,871 | 2,181 |
Total non-interest expense | |||||||||
251,206 | 173,936 | 137,605 | 112,756 | 77,478 | 59,933 | 53,587 | 37,958 | 26,534 | 17,283 |
INCOME BEFORE INCOME TAXES | |||||||||
212,806 | 239,699 | 232,693 | 204,895 | 140,857 | 94,269 | 68,201 | 49,537 | 34,172 | 35,877 |
INCOME TAXES | |||||||||
57,675 | 87,288 | 97,953 | 85,604 | 58,175 | 38,313 | 27,910 | 20,061 | 13,593 | 14,749 |
Net Income (Loss) Attributable to Parent | |||||||||
155,131 | 152,411 | 134,740 | 119,291 | 82,682 | 55,956 | 40,291 | 29,476 | 20,579 | 21,128 |
Net Income (Loss) Available to Common Stockholders, Basic | |||||||||
154,822 | 152,102 | 134,431 | 118,982 | 82,373 | 55,647 | 39,456 | 28,205 | 20,270 | 20,517 |
Comprehensive Income (Loss), Net of Tax, Attributable to Parent | |||||||||
155,760 | 151,311 | 142,531 | 121,386 | 83,649 | 56,390 | 34,926 | 25,012 | 15,565 | - |
Basic earnings per common share (in dollars per share) | |||||||||
2.50 | 2.41 | 2.11 | 1.87 | 1.35 | 0.97 | 3.00 | 2.45 | 1.88 | 2.31 |
Diluted earnings per common share (in dollars per share) | |||||||||
2.48 | 2.37 | 2.10 | 1.87 | 1.34 | 0.96 | 2.89 | 2.33 | 1.87 | 2.22 |