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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
shares in Thousands, $ in Thousands
 3 Months Ended 9 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Mar. 31, 2024
Mar. 31, 2023
Interest Income        
Loans $ 64,035 $ 60,172 $ 190,188 $ 171,103
Taxable investment securities 15,490 15,459 48,511 39,119
Tax-exempt investment securities 85 99 256 603
Other interest-earning assets 2,475 1,441 6,923 3,207
Total Interest Income 82,085 77,171 245,878 214,032
Interest Expense        
Deposits 32,320 22,246 90,227 51,937
Borrowings 15,446 12,554 46,333 26,410
Total Interest Expense 47,766 34,800 136,560 78,347
Net Interest Income 34,319 42,371 109,318 135,685
Provision for credit losses 349 451 2,699 2,792
Net Interest Income after Provision for Credit Losses 33,970 41,920 106,619 132,893
Non-Interest Income        
Fees and service charges 657 910 2,029 2,407
Loss on sale and call of securities 0 0 (18,135) (15,227)
Loss on sale of loans (712) (2,373) (393) (1,844)
Loss on write down of other real estate owned 0 0 (974) 0
Income from bank owned life insurance 3,039 1,581 5,867 7,040
Electronic banking fees and charges 464 457 1,227 1,360
Other income 755 1,071 2,580 5,349
Total Non-Interest Income 4,203 1,646 (7,799) (915)
Non-Interest Expense        
Salaries and employee benefits 16,911 18,005 51,954 58,274
Net occupancy expense of premises 2,863 3,097 8,295 9,174
Equipment and systems 3,823 3,537 11,438 11,066
Advertising and marketing 387 413 916 1,891
Federal deposit insurance premium 1,429 1,546 4,448 3,678
Directors' compensation 360 340 1,146 1,019
Other expense 3,286 3,414 10,403 9,888
Total Non-Interest Expense 29,059 30,352 88,600 94,990
Income before Income Taxes 9,114 13,214 10,220 36,988
Income tax expense 1,717 2,902 6,808 8,190
Net Income $ 7,397 $ 10,312 $ 3,412 $ 28,798
Net Income per Common Share (EPS)        
Basic (in dollars per share) $ 0.12 $ 0.16 $ 0.06 $ 0.44
Diluted (in dollars per share) $ 0.12 $ 0.16 $ 0.06 $ 0.44
Weighted Average Number of Common Shares Outstanding        
Basic (in shares) 62,205 64,769 62,507 65,181
Diluted (in shares) 62,211 64,783 62,507 65,191