In millions, except per share items | Jun-30-18 | Jun-30-17 | Jun-30-16 | Jun-30-15 | Jun-30-14 | Jun-30-13 | Jun-30-12 | Jun-30-11 |
| 10-K/A | 10-K/A | 10-K/A | 10-K | 10-K | 10-K | 10-K | 10-K |
Interest income: |
Interest income on loans | 21.7 | 19.6 | 16.8 | 16.0 | 16.7 | 18.0 | 20.2 | 23.5 |
Interest income on investments | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.2 | 0.3 | 0.4 |
| 22.3 | 20.3 | 17.5 | 16.9 | 17.8 | 19.7 | 22.5 | 26.0 |
Interest expense: |
Interest on deposits | 3.4 | 2.8 | 2.6 | 2.7 | 2.9 | 3.5 | 4.7 | 5.8 |
| 4.1 | 3.3 | 2.8 | 3.1 | 3.7 | 4.8 | 6.1 | 8.0 |
Net interest income | 18.2 | 17.0 | 14.7 | 13.8 | 14.1 | 15.0 | 16.4 | 18.0 |
Provision for loan losses | 0.4 | 0.3 | 0.3 | | | 0.8 | 2.7 | 8.1 |
Net interest income after provision for loan losses | 17.8 | 16.6 | 14.4 | 13.8 | 14.1 | 14.2 | 13.6 | 9.9 |
Deposit and loan fees | 1.1 | 1.3 | 1.3 | 1.4 | 1.6 | 1.5 | 1.9 | 2.3 |
Income on real estate owned | | | | | -0.4 | -0.1 | -0.5 | |
Other non-interest income | 2.9 | 2.9 | 2.9 | 3.1 | 2.9 | 3.6 | 5.2 | 3.5 |
Total non-interest income | 4.0 | 4.3 | 4.2 | 4.5 | 4.1 | 4.9 | 6.7 | 5.8 |
Non-interest expenses | 15.7 | 17.5 | 18.0 | 16.8 | 17.8 | 19.4 | 22.0 | 24.5 |
Pre-tax income before non-recurring items | 6.2 | 3.8 | 0.5 | 2.3 | 1.5 | 1.3 | 0.9 | -4.0 |
Non-recurring items | 0.1 | 0.4 | 0.0 | 0.8 | 1.1 | 1.5 | 2.6 | 4.8 |
Pre-tax income | 6.2 | 3.4 | 0.5 | 1.5 | 0.4 | -0.3 | -1.7 | -8.8 |
Income taxes | 4.0 | 1.0 | 0.0 | -8.3 | 0.0 | 0.0 | 0.0 | 0.0 |
Tax rate | 64.4% | 30.7% | 7.3% | | 0.0% | 0.0% | 0.0% | 0.0% |
Net income | 2.2 | 2.4 | 0.5 | 9.8 | 0.4 | -0.3 | -1.7 | -8.8 |
Net margin | 10.0% | 11.2% | 2.7% | 53.7% | 2.3% | -1.3% | -8.4% | -56.4% |
|
Basic EPS | $0.90 | $0.98 | $0.20 | $3.97 | $0.17 | ($0.10) | ($0.70) | ($3.28) |
Diluted EPS | $0.90 | $0.97 | $0.20 | $3.97 | $0.17 | ($0.10) | ($0.70) | ($3.28) |
|
Shares outstanding (basic) | 2.4 | 2.4 | 2.5 | 2.5 | 2.5 | 2.6 | 2.4 | 2.7 |
Shares outstanding (diluted) | 2.4 | 2.4 | 2.5 | 2.5 | 2.5 | 2.6 | 2.4 | 2.7 |
|
EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |