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INCOME TAXES - NET DEFERRED TAX ASSET (Details) - USD ($)
$ in Thousands
Jun. 30, 2022
Jun. 30, 2021
Deferred tax assets:    
Allowance for credit losses $ 59,045 $ 51,663
State taxes 949 903
Stock-based compensation expense 5,101 4,891
Unrealized net losses on securities 1,261 0
Accrued compensation 2,533 3,388
Securities impaired 270 266
Non-accrual loan interest income 2,608 4,182
Lease liability 24,626 22,730
Net operating loss carryforward 1,273 1,811
Other liabilities – accruals 3,116 0
Total deferred tax assets 100,782 89,834
Deferred tax liabilities:    
FHLB stock dividend (842) (830)
Other assets—prepaids (2,083) (2,717)
Depreciation and amortization (8,838) (9,998)
Operating lease right-of-use asset (22,757) (20,771)
Unrealized net gains on securities 0 (1,155)
Total deferred tax liabilities (34,520) (35,471)
Net deferred tax asset $ 66,262 $ 54,363