HomeTrust Bancshares, Inc. reported earnings results for the second quarter and six months ended December 31, 2015. For the quarter, the company reported total interest income of $21.566 million compared to $21.559 million a year ago. Net interest income was $20.150 million compared to $20.190 million a year ago. Income before income taxes was of $3.313 million compared to $2.874 million a year ago. Net income was $2.449 million or $0.14 per diluted share compared to $2.049 million or $0.10 per diluted share a year ago. Non-GAAP net income was $2.449 million compared to $3.504 million a year ago. Adjusted net income per diluted share was $0.14 compared to $0.18 a year ago. Return on assets was 0.36% compared to 0.33% a year ago. Return on equity was 2.7% compared to 2.15% a year ago. Return on assets – adjusted was 0.36% compared to 0.57% a year ago. Return on equity – adjusted was 2.7% compared to 3.69% a year ago. Book value per share was $19.44 compared to $18.63 for the same period a year ago.

For six months, the company reported total interest income of $43.575 million compared to $41.424 million a year ago. Net interest income was $40.721 million compared to $38.790 million a year ago. Income before income taxes was of $7.418 million compared to $5.996 million a year ago. Net income was $5.013 million or $0.28 per diluted share compared to $4.305 million or $0.22 per diluted share a year ago. Adjusted net income per diluted share was $0.31 compared to $0.34 a year ago. Non-GAAP net income was $5.539 million compared to $6.513 million a year ago. Return on assets was 0.36% compared to 0.37% a year ago. Return on equity was 2.73% compared to 2.27% a year ago. Return on assets – adjusted was 0.40% compared to 0.56% a year ago. Return on equity – adjusted was 3.02% compared to 3.44% a year ago.

Net loan charge-offs totaled $135,000 for the three months ended December 31, 2015 compared to net recoveries of $276,000 for the same period during the prior fiscal year.