| 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 | |||||||||
121,903 | 105,082 | 90,069 | 78,437 | 77,875 | 56,835 | 58,404 | 65,656 | 69,874 | 67,374 |
Securities available for sale | |||||||||
- | - | - | - | 3,659 | 1,578 | 324 | 413 | 1,016 | 1,444 |
Commercial paper and interest-bearing deposits in other banks | |||||||||
8,278 | 5,939 | 3,725 | 3,686 | 2,747 | 1,789 | 1,578 | 1,331 | 1,135 | 2,435 |
Securities available for sale | |||||||||
3,443 | 3,668 | 3,983 | 4,161 | - | - | - | - | - | - |
Other investments | |||||||||
3,635 | 2,713 | 1,659 | 1,463 | 875 | 79 | - | - | - | - |
Other investments | |||||||||
- | - | - | - | - | - | 83 | 91 | - | - |
FHLB stock | |||||||||
- | - | - | - | - | - | - | - | 62 | 47 |
Total interest and dividend income | |||||||||
137,259 | 117,402 | 99,436 | 87,747 | 85,156 | 60,281 | 60,389 | 67,491 | 72,087 | 71,300 |
Interest Expense | |||||||||
Deposits | |||||||||
15,757 | 6,758 | 4,588 | 4,531 | 4,892 | 5,417 | 6,975 | 10,244 | 14,798 | 19,621 |
Borrowings | |||||||||
14,626 | 9,314 | 3,657 | 1,509 | 498 | 15 | 280 | 1,534 | 5,731 | 5,996 |
Total interest expense | |||||||||
30,383 | 16,072 | 8,245 | 6,040 | 5,390 | 5,432 | 7,255 | 11,778 | 20,529 | 25,617 |
Net Interest Income | |||||||||
106,876 | 101,330 | 91,191 | 81,707 | 79,766 | 54,849 | 53,134 | 55,713 | 51,558 | 45,683 |
Provision for loan losses | |||||||||
5,700 | 0 | 0 | 0 | 150 | -6,300 | 1,100 | 15,600 | 42,800 | 38,600 |
Net Interest Income after Provision for Loan Losses | |||||||||
101,176 | 101,330 | 91,191 | 81,707 | 79,616 | 61,149 | 52,034 | 40,113 | 8,758 | 7,083 |
Noninterest Income | |||||||||
Service charges and fees on deposit accounts | |||||||||
9,611 | 8,802 | 7,709 | 7,469 | - | - | - | - | - | - |
Loan income and fees | |||||||||
1,422 | 1,176 | 971 | 3,069 | - | - | - | - | - | - |
Gain on sale of loans held for sale | |||||||||
6,218 | 4,276 | 2,674 | - | - | - | - | - | - | - |
Service charges and fees on deposit accounts | |||||||||
- | - | - | - | 5,930 | 2,783 | 2,589 | 2,679 | 2,929 | 2,986 |
Loan income and fees | |||||||||
- | - | - | - | 2,989 | 3,218 | 5,107 | 3,846 | 3,211 | 2,692 |
BOLI income | |||||||||
2,103 | 2,117 | 2,088 | 1,643 | 1,651 | - | - | - | - | - |
Gain from business combination | |||||||||
- | - | - | - | - | - | - | - | 5,844 | -17,391 |
Gain from sale of premises and equipment | |||||||||
0 | 164 | 385 | 10 | 0 | - | - | 1,503 | - | - |
Gain from sales of securities available for sale | |||||||||
0 | 0 | 22 | 0 | - | - | - | - | - | - |
Gain from sales of securities available for sale | |||||||||
- | - | - | - | 61 | 10 | - | - | - | -191 |
Gain from sales of securities available for sale | |||||||||
- | - | - | - | - | - | 0 | - | 430 | - |
Other, net | |||||||||
3,541 | 2,437 | 2,258 | 2,101 | 1,888 | 2,727 | 2,691 | 2,400 | 4,382 | 1,292 |
Total noninterest income | |||||||||
22,895 | 18,972 | 16,107 | 14,291 | 12,519 | 8,738 | 10,387 | 10,428 | 16,796 | 24,552 |
Noninterest Expense | |||||||||
Salaries and employee benefits | |||||||||
52,291 | 48,170 | 46,446 | 42,491 | 41,265 | 30,366 | 26,438 | 21,679 | 22,065 | 26,177 |
Net occupancy expense | |||||||||
9,454 | 9,689 | 9,121 | 9,106 | 8,635 | 5,322 | 5,497 | 4,975 | 4,855 | 4,531 |
Computer services | |||||||||
7,664 | 6,440 | 6,650 | 5,813 | 5,972 | 3,690 | 2,386 | 1,853 | 1,785 | 1,600 |
Telephone, postage, and supplies | |||||||||
3,040 | 2,958 | 2,732 | 3,153 | 3,141 | 1,799 | 1,737 | 1,459 | 1,491 | 1,385 |
Marketing and advertising | |||||||||
1,853 | 1,478 | 1,670 | 2,037 | 2,048 | 1,360 | 1,705 | 1,546 | 2,317 | 1,373 |
Deposit insurance premiums | |||||||||
1,426 | 1,619 | 1,378 | 1,985 | 1,922 | 1,312 | 1,407 | 2,097 | 2,193 | 2,003 |
Federal Home Loan Bank advance prepayment penalty | |||||||||
- | - | - | - | - | - | 3,069 | 2,111 | 3,988 | - |
Loss on sale and impairment of REO | |||||||||
-439 | -127 | -300 | -534 | -28 | -646 | -951 | - | - | - |
Gain on sale and impairment of REO | |||||||||
- | - | - | - | - | - | - | - | 3,825 | 205 |
REO expense | |||||||||
874 | 1,065 | 1,114 | 1,265 | 1,645 | 1,443 | - | - | 1,868 | - |
Loss on sale and impairment of REO | |||||||||
- | - | - | - | - | - | - | 3,040 | - | - |
REO expense | |||||||||
- | - | - | - | - | - | 2,135 | 1,951 | - | - |
Core deposit intangible amortization | |||||||||
2,029 | 2,645 | 2,823 | 2,907 | 2,547 | 166 | 86 | - | - | - |
Merger-related expenses | |||||||||
0 | 0 | 7,805 | 0 | 5,417 | 2,708 | 0 | - | - | - |
Impairment charges for branch consolidation | |||||||||
- | - | - | 400 | 375 | 0 | 0 | - | - | - |
Other | |||||||||
11,064 | 11,140 | 10,220 | 9,950 | 8,557 | 6,220 | 5,982 | 5,950 | 9,167 | 4,897 |
Total noninterest expense | |||||||||
90,134 | 85,331 | 90,259 | 79,641 | 81,552 | 55,032 | 51,393 | 46,661 | 53,554 | 42,171 |
Income Before Income Taxes | |||||||||
33,937 | 34,971 | 17,039 | 16,357 | 10,583 | 14,855 | 11,028 | 3,880 | -28,000 | -10,536 |
Income Tax Expense | |||||||||
6,791 | 26,736 | 5,192 | 4,901 | 2,558 | 4,513 | 1,975 | -647 | -13,263 | -17,577 |
Net Income | |||||||||
27,146 | 8,235 | 11,847 | 11,456 | 8,025 | 10,342 | 9,053 | 4,527 | -14,737 | 7,041 |
Per Share Data: | |||||||||
Earnings Per Share [Abstract] | |||||||||
Basic (in dollars per share) | |||||||||
1.52 | 0.45 | 0.66 | 0.65 | 0.42 | 0.54 | 0.45 | - | - | - |
Diluted (in dollars per share) | |||||||||
1.46 | 0.44 | 0.65 | 0.65 | 0.42 | 0.54 | 0.45 | - | - | - |
Average shares outstanding: | |||||||||
Basic (in shares) | |||||||||
17,692 | 18,028 | 17,379 | 17,417 | 19,038 | 18,630 | 19,922 | - | - | - |
Diluted (in shares) | |||||||||
18,393 | 18,726 | 17,956 | 17,606 | 19,117 | 18,715 | 19,941 | - | - | - |
Basic | |||||||||
17,692 | 18,028 | 17,379 | 17,417 | 19,038 | - | - | - | - | - |
Diluted | |||||||||
18,393 | 18,726 | 17,956 | 17,606 | 19,117 | - | - | - | - | - |