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INCOME TAXES - NET DEFERRED TAX ASSET (Details) - USD ($)
$ in Thousands
Jun. 30, 2023
Jun. 30, 2022
Deferred tax assets:    
Allowance for credit losses $ 64,655 $ 59,045
Lease liability 22,654 24,626
Accrued compensation 7,564 2,533
Stock-based compensation expense 6,980 5,101
Litigation accrual 5,206 3,116
Non-accrual loan interest income 4,962 2,608
Unrealized net losses on securities 2,730 1,261
Net operating loss carryforward 1,484 1,503
State taxes 1,064 949
Securities impaired 267 270
Total deferred tax assets 117,566 101,012
Deferred tax liabilities:    
Operating lease right-of-use asset (20,681) (22,757)
Depreciation and amortization (7,533) (8,838)
Other assets—prepaids (2,342) (2,083)
FHLB stock dividend (833) (842)
Total deferred tax liabilities (31,389) (34,520)
Net deferred tax asset 86,177 66,492
Valuation allowance (277) (230)
Net deferred tax asset, net of valuation allowance $ 85,900 $ 66,262