| Jun'18 | Jun'17 | Jun'16 | Jun'15 | Jun'14 | Jun'13 | Jun'12 |
|---|---|---|---|---|---|---|
Interest and dividend income: | ||||||
Interest and fees on loans | ||||||
62,146 | 55,857 | 45,849 | 43,383 | 37,009 | 35,017 | 24,734 |
Interest on available-for-sale securities | ||||||
1,111 | 1,018 | 930 | 913 | 1,048 | 1,138 | 2,019 |
Other interest and dividend income | ||||||
2,636 | 1,046 | 456 | 292 | 314 | 388 | 261 |
Total interest and dividend income | ||||||
65,893 | 57,921 | 47,235 | 44,588 | 38,371 | 36,543 | 27,014 |
Interest expense: | ||||||
Deposits | ||||||
9,897 | 7,357 | 6,027 | 5,010 | 4,123 | 4,098 | 3,426 |
Federal Home Loan Bank advances | ||||||
547 | 800 | 1,027 | 1,101 | 1,301 | 967 | 1,028 |
Wholesale repurchase agreements | ||||||
0 | 0 | 67 | 288 | 357 | 651 | 991 |
Short-term borrowings | ||||||
0 | 0 | 20 | 29 | 24 | 19 | 21 |
Subordinated debt | ||||||
2,102 | 1,888 | 651 | 718 | - | - | - |
Junior subordinated debentures issued to affiliated trusts | ||||||
- | - | - | - | 765 | 769 | 751 |
Obligation under capital lease agreements | ||||||
38 | 51 | 63 | 74 | 83 | 92 | 100 |
Total interest expense | ||||||
12,584 | 10,096 | 7,855 | 7,220 | 6,653 | 6,596 | 6,317 |
Net interest and dividend income before provision for loan losses | ||||||
53,309 | 47,825 | 39,380 | 37,368 | 31,718 | 29,947 | 20,697 |
Provision for loan losses | ||||||
1,410 | 1,594 | 1,618 | 717 | 531 | 1,122 | 946 |
Net interest and dividend income after provision for loan losses | ||||||
51,899 | 46,231 | 37,762 | 36,651 | 31,187 | 28,825 | 19,751 |
Noninterest income: | ||||||
Fees for other services to customers | ||||||
1,822 | 1,952 | 1,657 | - | - | - | - |
Gain on sales of SBA loans | ||||||
2,955 | 5,277 | 4,178 | 2,821 | 1,006 | 2,311 | 1,071 |
Fees for other services to customers | ||||||
- | - | - | 1,494 | 1,644 | 1,648 | 1,383 |
Gain on sales of residential loans held for sale | ||||||
931 | 1,452 | 1,684 | 1,877 | - | - | - |
Gain on sales of other loans | ||||||
918 | 365 | 0 | 0 | - | - | - |
Gain (loss) on real estate owned, other repossessed collateral and premises and equipment, net | ||||||
-123 | -23 | -255 | 428 | - | - | - |
Net securities gains | ||||||
- | - | - | - | - | 792 | 1,111 |
Gain on sales of loans held for sale | ||||||
- | - | - | - | 1,650 | 3,009 | 2,761 |
Gain on sales of portfolio loans | ||||||
2,955 | 5,277 | 4,178 | 2,821 | 1,006 | 2,311 | 1,071 |
Gain recognized on real estate owned and other repossessed collateral, net | ||||||
- | - | - | - | 63 | 746 | - |
(Loss) gain recognized on real estate owned and other repossessed collateral, net | ||||||
- | - | - | - | - | - | -5 |
Investment commissions | ||||||
- | - | - | - | - | - | 2,782 |
Bank-owned life insurance income | ||||||
441 | 454 | 449 | 440 | 451 | 718 | 501 |
Other noninterest income | ||||||
84 | 219 | 60 | 29 | 55 | 82 | 72 |
Total noninterest income | ||||||
7,028 | 9,696 | 7,773 | 7,089 | 4,869 | 9,306 | 9,676 |
Noninterest expense: | ||||||
Salaries and employee benefits | ||||||
21,565 | 21,706 | 19,548 | 18,817 | 17,786 | 17,036 | 15,634 |
Occupancy and equipment expense | ||||||
4,585 | 5,002 | 5,227 | 4,939 | 5,448 | 4,626 | 3,826 |
Professional fees | ||||||
1,749 | 1,666 | 1,463 | 1,658 | 1,285 | 1,450 | 1,708 |
Data processing fees | ||||||
2,447 | 1,744 | 1,487 | 1,355 | 1,209 | 972 | 1,088 |
Marketing expense | ||||||
472 | 392 | 285 | 244 | 311 | 1,035 | 691 |
Loan acquisition and collection expense | ||||||
1,354 | 1,734 | 1,368 | 1,458 | 1,539 | 1,766 | - |
Loan acquisition and collection expense | ||||||
- | - | - | - | - | - | 1,106 |
FDIC insurance premiums | ||||||
317 | 303 | 489 | 504 | 480 | 454 | 482 |
Intangible asset amortization | ||||||
433 | 432 | 477 | 589 | - | - | - |
Intangible asset amortization | ||||||
- | - | - | - | 746 | 943 | 1,198 |
Legal settlement recovery | ||||||
- | - | - | - | -250 | 980 | - |
Other noninterest expense | ||||||
2,808 | 2,810 | 3,468 | 3,040 | 3,223 | 2,693 | 2,497 |
Total noninterest expense | ||||||
35,730 | 35,789 | 33,812 | 32,604 | 31,777 | 31,955 | 28,230 |
Income before income tax expense | ||||||
23,197 | 20,138 | 11,723 | 11,136 | 4,279 | 6,176 | 1,197 |
Income tax expense | ||||||
7,031 | 7,799 | 4,104 | 3,995 | 1,579 | 1,881 | 181 |
Net income from continuing operations | ||||||
- | - | - | - | 2,700 | 4,295 | 1,016 |
Loss from discontinued operations | ||||||
- | - | - | - | -12 | 189 | - |
Income from discontinued operations | ||||||
- | - | - | - | - | - | 186 |
Gain on sale of discontinued operations | ||||||
- | - | - | - | - | - | 1,566 |
Income tax benefit | ||||||
- | - | - | - | -4 | 64 | 605 |
Net loss from discontinued operations | ||||||
- | - | - | - | -8 | 125 | 1,147 |
Net income | ||||||
16,166 | 12,339 | 7,619 | 7,141 | 2,692 | 4,420 | 2,163 |
Weighted-average shares outstanding: | ||||||
Net income available to common stockholders | ||||||
- | - | - | - | - | 4,065 | 1,771 |
Basic (in shares) | ||||||
8,906 | 8,898 | 9,474 | 9,980 | 10,404 | 10,409 | 4,277 |
Diluted (in shares) | ||||||
9,089 | 8,952 | 9,484 | 9,980 | 10,404 | 10,409 | 4,291 |
Earnings per common share: | ||||||
Income from continuing operations (in dollars per share) | ||||||
- | - | - | - | 0.26 | 0.38 | 0.15 |
Income from discontinued operations (in dollars per share) | ||||||
- | - | - | - | 0.00 | 0.01 | 0.26 |
Basic (in dollars per share) | ||||||
1.81 | 1.39 | 0.80 | 0.72 | 0.26 | 0.39 | 0.41 |
Income from continuing operations (in dollars per share) | ||||||
- | - | - | - | 0.26 | 0.38 | 0.15 |
Income from discontinued operations (in dollars per share) | ||||||
- | - | - | - | 0.00 | 0.01 | 0.26 |
Diluted (in dollars per share) | ||||||
1.77 | 1.38 | 0.80 | 0.72 | 0.26 | 0.39 | 0.41 |
Cash dividends declared per common share (in dollars per share) | ||||||
0.04 | 0.04 | 0.04 | 0.04 | 0.28 | 0.36 | 0.36 |