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 | 14.0 | 15.0 | 16.4 | 16.2 | 14.4 | 14.6 | 15.4 | 14.4 |
Interest income on investments | 2.4 | 1.5 | 1.9 | 2.4 | 2.4 | 2.3 | 2.3 | 1.7 |
Interest income on repurchase agreements | | | | | | | | 0.1 |
| 16.4 | 16.7 | 18.7 | 18.8 | 17.0 | 17.2 | 17.8 | 16.2 |
Interest expense: |
Interest on deposits | 1.0 | 1.7 | 3.7 | 3.0 | 1.6 | 1.3 | 1.2 | 1.2 |
Interest on borrowings | 0.1 | 0.1 | 0.2 | 0.6 | 0.2 | | | |
| 1.1 | 1.8 | 3.9 | 3.6 | 1.8 | 1.3 | 1.2 | 1.2 |
Net interest income | 15.3 | 14.8 | 14.8 | 15.3 | 15.2 | 15.8 | 16.6 | 15.0 |
Provision for loan losses | | | 0.1 | 0.2 | 0.1 | 0.2 | 0.5 | 0.2 |
Net interest income after provision for loan losses | 15.3 | 14.8 | 14.8 | 15.0 | 15.1 | 15.6 | 16.1 | 14.8 |
Deposit and loan fees | 0.4 | 0.3 | 0.4 | 0.4 | 0.4 | 0.4 | 0.5 | 0.3 |
Gain on sale of investments, net | | | | | | 0.1 | 0.1 | 0.1 |
Other non-interest income | 1.2 | 1.7 | 1.6 | 1.3 | 1.2 | 1.6 | 2.1 | 0.9 |
Total non-interest income | 1.6 | 2.0 | 2.0 | 1.7 | 1.7 | 2.1 | 2.6 | 1.4 |
Non-interest expenses | 11.9 | 11.7 | 12.0 | 12.1 | 12.1 | 10.8 | 11.5 | 9.0 |
Pre-tax income | 5.1 | 5.1 | 4.8 | 4.6 | 4.7 | 7.0 | 7.3 | 7.2 |
Income taxes | 1.0 | 1.1 | 0.9 | 0.9 | 1.7 | 1.5 | 2.0 | 2.7 |
Tax rate | 19.2% | 20.7% | 18.9% | 19.0% | 36.0% | 21.1% | 27.9% | 37.4% |
Net income | 4.1 | 4.1 | 3.9 | 3.7 | 3.0 | 5.5 | 5.2 | 4.5 |
Net margin | 24.2% | 24.1% | 23.0% | 22.2% | 18.1% | 31.1% | 28.0% | 27.9% |
|
Basic EPS | $0.73 | $0.73 | $0.68 | $0.65 | $0.54 | $0.97 | $0.92 | $0.80 |
Diluted EPS | $0.73 | $0.72 | $0.68 | $0.65 | $0.52 | $0.96 | $0.91 | $0.79 |
|
Shares outstanding (basic) | 5.6 | 5.6 | 5.7 | 5.7 | 5.7 | 5.7 | 5.7 | 5.6 |
Shares outstanding (diluted) | 5.6 | 5.6 | 5.7 | 5.8 | 5.8 | 5.8 | 5.8 | 5.7 |
|
EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |