In millions, except per share items | Jun-30-23 | Jun-30-22 | Jun-30-21 | Jun-30-20 | Jun-30-19 | Jun-30-18 | Jun-30-17 | Jun-30-16 |
| 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K |
Interest income: |
Interest income on loans | 233.1 | 190.5 | 202.2 | 191.6 | 192.4 | 138.4 | 111.2 | 98.0 |
Interest income on investments | 55.5 | 34.0 | 32.9 | 41.7 | 40.1 | 29.7 | 25.8 | 27.2 |
| 293.7 | 226.3 | 238.1 | 237.8 | 237.3 | 171.4 | 139.1 | 126.9 |
Interest expense: |
Interest on deposits | 78.2 | 15.2 | 31.5 | 58.9 | 52.5 | 29.6 | 22.1 | 18.7 |
| 117.9 | 29.7 | 49.9 | 58.9 | 82.0 | 50.1 | 36.5 | 31.9 |
Net interest income | 175.9 | 196.6 | 188.2 | 296.7 | 155.3 | 121.3 | 102.6 | 95.0 |
Provision for loan losses | | | | | 3.6 | 2.7 | 5.4 | 10.7 |
Net interest income after provision for loan losses | 175.9 | 196.6 | 188.2 | 296.7 | 151.8 | 118.6 | 97.2 | 84.3 |
Deposit and loan fees | 3.1 | 2.6 | 1.9 | | | | 3.3 | 3.5 |
Other non-interest income | 16.0 | 11.4 | 19.1 | 15.1 | 13.6 | 13.3 | 8.1 | 7.2 |
Total non-interest income | 19.1 | 13.9 | 21.0 | 15.1 | 13.6 | 13.3 | 11.3 | 10.7 |
Non-interest expenses | 123.8 | 125.7 | 125.9 | 107.6 | 109.2 | 97.9 | 81.1 | 72.4 |
Pre-tax income before non-recurring items | 52.4 | 92.3 | 88.8 | 57.3 | 56.1 | 40.7 | 27.4 | 22.6 |
Non-recurring items | | | 4.3 | | | 6.7 | | |
Pre-tax income | 52.4 | 92.3 | 84.5 | 57.3 | 56.1 | 34.0 | 27.4 | 22.6 |
Income taxes | 11.6 | 24.8 | 21.3 | 12.3 | 13.9 | 14.4 | 8.8 | 6.8 |
Tax rate | 22.1% | 26.9% | 25.2% | 21.5% | 24.8% | 42.4% | 32.2% | 30.0% |
Net income | 40.8 | 67.5 | 63.2 | 45.0 | 42.1 | 19.6 | 18.6 | 15.8 |
Net margin | 20.9% | 32.1% | 30.2% | 2192.3% | 25.5% | 14.9% | 17.1% | 16.7% |
|
Basic EPS | $0.63 | $0.95 | $0.77 | $0.55 | $0.46 | $0.24 | $0.22 | $0.18 |
Diluted EPS | $0.63 | $0.95 | $0.77 | $0.55 | $0.46 | $0.24 | $0.22 | $0.18 |
|
Shares outstanding (basic) | 64.8 | 70.9 | 82.4 | 82.4 | 91.1 | 82.6 | 84.6 | 89.6 |
Shares outstanding (diluted) | 64.8 | 70.9 | 82.4 | 82.4 | 91.1 | 82.6 | 84.7 | 89.6 |
|
EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |