PCB BANCORP (PCB) [Rocket]

In millions, except per share items	Dec-31-22	Dec-31-21	Dec-31-20	Dec-31-19	Dec-31-18	Dec-31-17	Dec-31-16
	10-K	10-K	10-K	10-K	10-K	10-K	10-K
Interest income:
Interest income on loans	95.1	79.2	76.5	85.7	76.8	61.5	50.1
Interest income on investments	2.9	1.6	2.1	4.0	3.7	2.6	1.7
	101.8	81.5	79.8	92.9	83.7	65.3	52.6
Interest on deposits	12.0	4.0	13.0	23.4	17.3	9.7	7.0
Total interest expense	12.1	4.3	13.6	23.9	18.0	10.1	7.0
Net interest income	89.6	77.1	66.2	69.0	65.7	55.2	45.6
Provision for loan losses					1.2
Net interest income after provision for loan losses	89.6	77.1	66.2	69.0	64.5	55.2	45.6
Total non-interest income	14.5	18.4	11.7	11.9	10.5	13.9	13.6
Non-interest expenses	51.1	43.2	41.7	42.3	40.2	35.9	32.5
Pre-tax income	49.4	57.0	23.0	34.4	34.7	31.3	24.4
Income taxes	14.4	16.9	6.8	10.2	10.4	14.9	10.4
Tax rate	29.2%	29.6%	29.7%	29.8%	30.1%	47.7%	42.6%
Net income	35.0	40.1	16.2	24.1	24.3	16.4	14.0
Net margin	1324.3%	1692.8%	725.0%	945.0%	32.4%	745.9%	23.7%

Basic EPS	$2.36	$2.67	$1.05	$1.52	$1.69	$1.22	$1.12
Diluted EPS	$2.32	$2.63	$1.05	$1.49	$1.65	$1.21	$1.11

Shares outstanding (basic)	14.8	15.0	15.4	15.9	14.4	13.4	12.5
Shares outstanding (diluted)	15.1	15.3	15.4	16.2	14.7	13.5	12.6

EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.