| Dec'19 | Dec'18 | Jun'17 | Jun'16 | Jun'15 | Jun'14 | Jun'13 |
|---|---|---|---|---|---|---|
INTEREST INCOME | ||||||
Interest and fees on loans receivable | ||||||
40,166 | 36,446 | 29,274 | 23,691 | 22,046 | 22,366 | 21,934 |
Interest on mortgage-backed securities | ||||||
4,606 | 5,031 | 4,779 | 5,223 | 3,466 | 2,993 | 2,902 |
Interest on investment securities | ||||||
3,965 | 3,831 | 2,555 | 3,096 | 1,850 | 1,149 | 901 |
Interest on deposits and other | ||||||
244 | 186 | 70 | 58 | 113 | 41 | 58 |
FHLB dividends | ||||||
332 | 311 | 126 | 104 | 12 | 10 | 0 |
Total interest income | ||||||
49,313 | 45,805 | 36,804 | 32,172 | 27,487 | 26,559 | 25,795 |
INTEREST EXPENSE | ||||||
Interest Expense, Deposits | ||||||
8,304 | 5,350 | 2,859 | 2,169 | 1,669 | 1,537 | 1,968 |
Borrowings | ||||||
3,144 | 3,663 | 2,300 | 2,601 | 2,923 | 3,192 | 4,032 |
Total interest expense | ||||||
11,448 | 9,013 | 5,159 | 4,770 | 4,592 | 4,729 | 6,000 |
Net interest income | ||||||
37,865 | 36,792 | 31,645 | 27,402 | 22,895 | 21,830 | 19,795 |
Provision for Loan and Lease Losses | ||||||
669 | 1,174 | 1,260 | 233 | 0 | 1,307 | 1,376 |
Net interest income after provision for loan losses | ||||||
37,196 | 35,618 | 30,385 | 27,169 | 22,895 | 20,523 | 18,419 |
NONINTEREST INCOME | ||||||
Loan and deposit service fees | ||||||
3,893 | 4,167 | 3,511 | 3,570 | 3,404 | 3,447 | 3,353 |
Mortgage servicing fees, net of amortization | ||||||
176 | 188 | 232 | 255 | 305 | 284 | 5 |
Net gain on sale of loans | ||||||
1,077 | 577 | 757 | 234 | 548 | 762 | 1,563 |
Debt and Equity Securities, Gain (Loss) | ||||||
836 | 77 | - | - | - | - | - |
Net gain on sale of investment securities | ||||||
- | - | 0 | 1,567 | 0 | 112 | 70 |
Increase in cash surrender value of bank-owned life insurance | ||||||
708 | 595 | 701 | 114 | 102 | - | - |
Income from death benefit on bank-owned life insurance, net | ||||||
0 | 0 | 768 | 0 | 0 | 94 | 316 |
Other income | ||||||
322 | 315 | 205 | 437 | 348 | 291 | 260 |
Total noninterest income | ||||||
7,012 | 5,919 | 6,174 | 6,177 | 4,707 | 4,990 | 5,567 |
NONINTEREST EXPENSE | ||||||
Compensation and benefits | ||||||
18,999 | 18,946 | 17,245 | 14,523 | 12,703 | 11,614 | 10,560 |
Real estate owned and repossessed assets, net | ||||||
- | - | 17 | -307 | 165 | 398 | 244 |
Data processing | ||||||
2,623 | 2,645 | 2,665 | 2,704 | 2,521 | 2,200 | 1,956 |
Occupancy and equipment | ||||||
4,642 | 4,473 | 3,879 | 3,492 | 3,058 | 3,053 | 2,881 |
Supplies, postage, and telephone | ||||||
883 | 890 | 714 | 668 | 663 | 695 | 802 |
Regulatory assessments and state taxes | ||||||
783 | 625 | 504 | 485 | 334 | 381 | 384 |
Advertising | ||||||
1,081 | 1,002 | 685 | 797 | 433 | 425 | 522 |
Charitable contributions | ||||||
- | - | - | - | 9,870 | 183 | 0 |
Professional fees | ||||||
1,121 | 1,410 | 1,415 | 1,757 | 1,063 | 945 | 1,477 |
FDIC insurance premium | ||||||
82 | 307 | 251 | 424 | 544 | 551 | 680 |
FHLB prepayment penalty | ||||||
344 | 0 | 0 | 1,193 | 0 | 0 | - |
Other | ||||||
2,559 | 2,559 | 2,404 | 2,161 | 1,692 | 1,660 | 1,740 |
Total noninterest expense | ||||||
33,117 | 32,857 | 29,779 | 27,897 | 33,046 | 22,105 | 21,246 |
INCOME BEFORE PROVISION FOR INCOME TAX | ||||||
11,091 | 8,680 | 6,780 | 5,449 | -5,444 | 3,408 | 2,740 |
PROVISION FOR INCOME TAX | ||||||
2,077 | 1,575 | 1,662 | 1,457 | -354 | 740 | 422 |
Net Income (Loss) Attributable to Parent | ||||||
9,014 | 7,105 | 5,118 | 3,992 | -5,090 | 2,668 | 2,318 |
Earnings Per Share, Basic | ||||||
0.92 | 0.69 | 0.46 | 0.33 | - | - | - |
Earnings Per Share, Diluted | ||||||
0.91 | 0.68 | 0.46 | 0.33 | - | - | - |
Basic and diluted earnings per share (in dollars per share) | ||||||
- | - | - | - | -0.42 | - | - |