In millions, except per share items | Jun-30-22 | Jun-30-21 | Jun-30-20 | Jun-30-19 | Jun-30-18 | Jun-30-17 | Jun-30-16 | Jun-30-15 |
| 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K |
Interest income: |
Interest income on loans | 109.6 | 111.8 | 122.2 | 121.9 | 105.1 | 90.1 | 78.4 | |
| 116.1 | 118.7 | 136.3 | 137.2 | 117.4 | 99.4 | 87.7 | 85.2 |
Interest expense: |
Interest on deposits | 5.3 | 9.4 | 22.8 | 15.8 | 6.8 | 4.6 | 4.5 | 4.9 |
| 5.3 | 15.4 | 32.2 | 76.5 | 16.1 | 8.2 | 6.0 | 5.4 |
Net interest income | 110.8 | 103.3 | 104.1 | 106.8 | 101.3 | 91.2 | 81.7 | 79.8 |
Provision for loan losses | -0.6 | -7.1 | 8.5 | 5.7 | | | | 0.2 |
Net interest income after provision for loan losses | 111.4 | 110.5 | 95.6 | 101.1 | 101.3 | 91.2 | 81.7 | 79.6 |
Deposit and loan fees | 9.5 | 9.1 | 9.4 | 9.6 | 8.8 | 7.7 | 7.5 | 5.9 |
Gain on sale of investments, net | | | | | | | | 0.1 |
Other non-interest income | 29.7 | 30.7 | 21.0 | 13.3 | 10.2 | 8.4 | 6.8 | |
Total non-interest income | 39.2 | 39.8 | 30.3 | 22.9 | 19.0 | 16.1 | 14.3 | 12.5 |
Non-interest expenses | 105.2 | 131.2 | 97.1 | 90.1 | 85.3 | 90.3 | 79.6 | 81.6 |
Pre-tax income before non-recurring items | 45.4 | 20.6 | 28.8 | 33.9 | 35.1 | 17.4 | 16.8 | 11.0 |
Non-recurring items | | 1.5 | | | 0.2 | 0.4 | 0.4 | |
Asset impairment | | | | | | | | 0.4 |
Pre-tax income | 45.4 | 19.1 | 28.8 | 33.9 | 35.0 | 17.0 | 16.4 | 10.6 |
Income taxes | 9.7 | 3.4 | 6.0 | 6.8 | 26.7 | 5.2 | 4.9 | 2.6 |
Tax rate | 21.4% | 17.9% | 20.9% | 20.0% | 76.5% | 30.5% | 30.0% | 24.2% |
Net income | 35.7 | 15.7 | 22.8 | 27.1 | 8.2 | 11.8 | 11.5 | 8.0 |
Net margin | 23.7% | 10.4% | 18.1% | 21.9% | 6.8% | 11.0% | 11.9% | 8.7% |
|
Basic EPS | $2.30 | $0.97 | $1.36 | $1.53 | $0.46 | $0.68 | $0.66 | $0.42 |
Diluted EPS | $2.26 | $0.95 | $1.32 | $1.48 | $0.44 | $0.66 | $0.65 | $0.42 |
|
Shares outstanding (basic) | 15.5 | 16.1 | 16.7 | 17.7 | 18.0 | 17.4 | 17.4 | 19.0 |
Shares outstanding (diluted) | 15.8 | 16.5 | 17.3 | 18.4 | 18.7 | 18.0 | 17.6 | 19.1 |
|
EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |