| Jun'19 | Jun'18 | Jun'17 | Jun'16 | Jun'15 | Jun'14 | Jun'13 | Jun'12 | Jun'11 | Jun'10 |
|---|---|---|---|---|---|---|---|---|---|
Litigation Settlement, Expense | |||||||||
- | - | 1,200 | - | - | - | - | - | - | - |
Interest income: | |||||||||
Loans receivable, net | |||||||||
40,092 | 40,016 | 40,249 | 37,658 | 38,337 | 36,424 | 42,905 | 50,505 | 57,442 | 67,665 |
Investment securities | |||||||||
2,042 | 1,344 | - | - | - | - | - | - | - | - |
FHLB - San Francisco stock | |||||||||
707 | 568 | - | - | - | - | - | - | - | - |
Interest-earning deposits | |||||||||
1,537 | 784 | - | - | - | - | - | - | - | - |
Investment securities | |||||||||
- | - | 575 | 358 | 287 | 339 | 428 | 528 | 798 | 2,144 |
FHLB San Francisco stock | |||||||||
- | - | 967 | 721 | 796 | 793 | 438 | 99 | 110 | 112 |
Interest-earning deposits | |||||||||
- | - | 626 | 567 | 276 | 503 | 390 | 303 | 339 | 242 |
Total interest income | |||||||||
44,378 | 42,712 | 42,417 | 39,304 | 39,696 | 38,059 | 44,161 | 51,435 | 58,689 | 70,163 |
Interest expense: | |||||||||
Checking and money market deposits | |||||||||
3,381 | 3,495 | 3,808 | 4,397 | 4,761 | 5,495 | 6,585 | 8,415 | 10,260 | - |
Deposits | |||||||||
- | - | - | - | - | - | - | - | - | 15,500 |
Borrowings | |||||||||
2,827 | 2,917 | 2,871 | 2,578 | 1,660 | 1,841 | 4,219 | 6,290 | 10,680 | 15,085 |
Total interest expense | |||||||||
6,208 | 6,412 | 6,679 | 6,975 | 6,421 | 7,336 | 10,804 | 14,705 | 20,940 | 30,585 |
Net interest income | |||||||||
38,170 | 36,300 | 35,738 | 32,329 | 33,275 | 30,723 | 33,357 | 36,730 | 37,749 | 39,578 |
Provision (recovery) for loan losses | |||||||||
475 | 536 | - | - | - | - | - | - | - | - |
(Recovery) provision for loan losses | |||||||||
- | - | -1,042 | -1,715 | -1,387 | -3,380 | -1,499 | 5,777 | 5,465 | 21,843 |
Net interest income, after provision (recovery) for loan losses | |||||||||
38,645 | 36,836 | 36,780 | 34,044 | 34,662 | 34,103 | 34,856 | 30,953 | - | - |
Net interest income, after (recovery) provision for loan losses | |||||||||
- | - | - | - | - | - | - | - | 32,284 | 17,735 |
Non-interest income: | |||||||||
Loan servicing and other fees | |||||||||
- | - | 1,251 | 1,068 | 1,085 | 1,077 | 1,093 | 733 | 892 | 797 |
(Loss) gain on sale of loans, net | |||||||||
7,135 | 15,802 | 25,680 | 31,521 | 34,210 | 25,799 | 68,493 | 38,017 | 31,194 | -14,338 |
Deposit account fees | |||||||||
- | - | 2,194 | 2,319 | 2,412 | 2,469 | 2,449 | 2,438 | 2,504 | 2,823 |
Gain (loss) on sale and operations of real estate owned acquired in the settlement of loans, net | |||||||||
-4 | -86 | -557 | -95 | 282 | 18 | 916 | -120 | -1,351 | - |
Gain on sale of investment securities | |||||||||
- | - | - | - | - | - | - | - | - | -2,290 |
(Loss) gain on sale and operations of real estate owned acquired in the settlement of loans, net | |||||||||
- | - | - | - | - | - | - | - | - | 16 |
Gain on sale of premises and equipment | |||||||||
- | - | - | - | - | - | - | -120 | 1,089 | - |
Card and processing fees | |||||||||
- | - | 1,451 | 1,448 | 1,406 | 1,370 | 1,292 | 1,282 | 1,274 | 1,110 |
Other | |||||||||
833 | 944 | 802 | 800 | 992 | 942 | 957 | 800 | 755 | 885 |
Total non-interest income | |||||||||
12,511 | 21,895 | 30,821 | 37,061 | 40,387 | 31,675 | 75,200 | 43,150 | 36,357 | 22,259 |
Non-interest expense: | |||||||||
Salaries and employee benefits | |||||||||
30,149 | 34,821 | 41,742 | 42,609 | 41,618 | 38,044 | 50,450 | 39,283 | 29,966 | 23,379 |
Premises and occupancy | |||||||||
5,038 | 5,134 | 5,061 | 4,646 | 4,666 | 4,468 | 4,432 | 3,763 | 3,270 | 3,048 |
Equipment | |||||||||
2,474 | 1,576 | 1,447 | 1,503 | 1,720 | 1,830 | 1,830 | 1,488 | 1,526 | 1,614 |
Professional expenses | |||||||||
1,864 | 1,912 | 2,075 | 2,089 | 2,179 | 1,832 | 1,858 | 1,904 | 1,669 | 1,517 |
Sales and marketing expenses | |||||||||
980 | 1,039 | 1,323 | 1,331 | 1,643 | 1,761 | 1,859 | 1,187 | 672 | 623 |
Deposit insurance premium and regulatory assessments | |||||||||
590 | 749 | 773 | 1,018 | 974 | 945 | 1,066 | 1,296 | 2,610 | 2,988 |
Other | |||||||||
4,141 | 7,973 | 6,364 | 5,063 | 5,169 | 5,288 | 5,848 | 6,444 | 5,659 | 4,970 |
Total non-interest expense | |||||||||
45,236 | 53,204 | 58,785 | 58,259 | 57,969 | 54,168 | 67,343 | 55,365 | 45,372 | 38,139 |
Income (loss) before income taxes | |||||||||
5,920 | 5,527 | - | - | - | - | - | - | - | - |
Income before income taxes | |||||||||
- | - | 8,816 | 12,846 | 17,080 | 11,610 | 42,713 | 18,738 | 23,269 | 1,855 |
Provision (benefit) for income taxes | |||||||||
1,503 | 3,396 | 3,609 | 5,372 | 7,277 | 5,004 | 16,916 | 7,928 | 10,049 | 740 |
Net income (loss) | |||||||||
4,417 | 2,131 | 5,207 | 7,474 | 9,803 | 6,606 | 25,797 | 10,810 | 13,220 | 1,115 |
Basic earnings (loss) per share | |||||||||
0.59 | 0.28 | 0.66 | 0.90 | 1.09 | 0.67 | 2.43 | 0.96 | 1.16 | 0.13 |
Diluted earnings (loss) per share | |||||||||
0.58 | 0.28 | 0.64 | 0.88 | 1.07 | 0.65 | 2.38 | 0.96 | 1.16 | 0.13 |
Cash dividends per share (in dollars per share) | |||||||||
0.56 | 0.56 | 0.52 | 0.48 | 0.45 | 0.40 | 0.24 | 0.14 | 0.04 | 0.04 |
Loan servicing and other fees | |||||||||
Total non-interest income | |||||||||
1,051 | 1,575 | - | - | - | - | - | - | - | - |
Deposit account fees | |||||||||
Total non-interest income | |||||||||
1,928 | 2,119 | - | - | - | - | - | - | - | - |
Card and processing fees | |||||||||
Total non-interest income | |||||||||
1,568 | 1,541 | - | - | - | - | - | - | - | - |