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CONDENSED CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
3 Months Ended
Sep. 30, 2024
Sep. 30, 2023
INTEREST AND DIVIDEND INCOME:    
Loans, including fees $ 438,229 $ 326,974
Securities borrowed and customer receivables 6,271 4,995
Investments and other 39,762 31,983
Total interest and dividend income 484,262 363,952
INTEREST EXPENSE:    
Deposits 187,269 146,110
Advances from the Federal Home Loan Bank 529 529
Securities loaned 540 449
Other borrowings 3,876 5,709
Total interest expense 192,214 152,797
Net interest income 292,048 211,155
Provision for credit losses 14,000 7,000
Net interest income, after provision for credit losses 278,048 204,155
NON-INTEREST INCOME:    
Broker-dealer fee income 11,060 12,477
Advisory fee income 7,945 8,219
Banking and service fees 8,613 8,350
Mortgage banking and servicing rights income 450 3,878
Prepayment penalty fee income 541 1,583
Total non-interest income 28,609 34,507
NON-INTEREST EXPENSE:    
Salaries and related costs 74,293 55,811
Data and operational processing 18,985 16,084
Depreciation and amortization 7,450 5,878
Advertising and promotional 14,253 10,375
Professional services 9,895 9,811
Occupancy and equipment 4,318 3,846
FDIC and regulatory fees 5,956 4,449
Broker-dealer clearing charges 4,307 4,012
General and administrative expense 8,008 10,240
Total non-interest expense 147,465 120,506
INCOME BEFORE INCOME TAXES 159,192 118,156
INCOME TAXES 46,852 35,511
NET INCOME $ 112,340 $ 82,645
Basic earnings per common share (in dollars per share) $ 1.97 $ 1.40
Diluted earnings per common share (in dollars per share) $ 1.93 $ 1.38