In millions, except per share items | Jun-30-17 | Jun-30-16 | Jun-30-15 | Jun-30-14 | Jun-30-13 | Jun-30-12 | Jun-30-11 | Jun-30-10 |
| 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | S-1/A | S-1/A |
Interest income: |
Interest income on loans | 11.8 | 11.6 | 11.3 | 11.7 | 13.0 | 15.2 | 17.0 | 16.3 |
Interest income on investments | 4.2 | 3.9 | 3.6 | 2.9 | 2.7 | 2.8 | | |
| 16.2 | 15.7 | 15.2 | 15.0 | 15.9 | 18.2 | 19.8 | 18.9 |
Interest expense: |
Interest on deposits | 2.1 | 2.0 | 2.1 | 2.4 | 3.2 | 4.2 | 5.5 | 6.3 |
Interest on borrowings | | | 0.2 | 0.2 | 0.2 | | 0.1 | 0.1 |
| 2.3 | 2.2 | 2.4 | 2.7 | 3.4 | 4.3 | 5.6 | 6.4 |
Net interest income | 13.9 | 13.5 | 12.9 | 12.3 | 12.5 | 13.9 | 14.3 | 12.5 |
Provision for loan losses | 0.1 | 0.2 | -0.3 | -0.1 | 0.1 | -3.7 | 4.1 | 2.5 |
Net interest income after provision for loan losses | 13.9 | 13.3 | 13.2 | 12.4 | 12.5 | 17.6 | 10.1 | 10.0 |
Deposit and loan fees | 3.1 | 3.0 | 2.7 | 2.6 | 2.4 | 2.4 | 2.4 | 2.0 |
Gain on sale of investments, net | 0.1 | 0.1 | -0.4 | | 0.6 | 1.5 | | |
Other non-interest income | 6.4 | 6.2 | 1.1 | 1.1 | 5.9 | 6.1 | 0.3 | |
Total non-interest income | 9.6 | 9.3 | 3.4 | 3.7 | 9.0 | 10.0 | 2.7 | 2.0 |
Non-interest expenses | 14.3 | 14.0 | 13.6 | 13.2 | 13.6 | 12.4 | | |
Pre-tax income before non-recurring items | 4.4 | 4.0 | 3.0 | 2.9 | 3.5 | 2.8 | 1.2 | 1.1 |
Non-recurring items | | | | | | | -0.5 | -0.3 |
Pre-tax income | 4.4 | 4.0 | 3.0 | 2.9 | 3.5 | 2.8 | 1.7 | 1.4 |
Income taxes | 1.0 | 0.5 | 0.4 | 0.7 | 0.9 | 0.8 | 0.5 | 0.3 |
Tax rate | 21.7% | 13.6% | 14.4% | 22.4% | 26.6% | 28.4% | 30.0% | 25.3% |
Net income | 3.4 | 3.4 | 2.5 | 2.3 | 2.6 | 2.0 | 1.2 | 1.0 |
Net margin | 14.7% | 15.2% | 15.3% | 14.1% | 12.0% | 7.2% | 9.2% | 8.5% |
|
Basic EPS | $0.85 | $0.83 | $0.57 | $0.47 | $0.52 | $0.40 | $0.15 | $34.00 |
Diluted EPS | $0.84 | $0.82 | $0.57 | $0.47 | $0.52 | $0.40 | $0.15 | $34.00 |
|
Shares outstanding (basic) | 4.0 | 4.1 | 4.5 | 4.8 | 5.0 | 5.0 | 7.8 | 0.0 |
Shares outstanding (diluted) | 4.1 | 4.2 | 4.5 | 4.8 | 5.0 | 5.0 | 7.8 | 0.0 |
|
EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |