| In millions, except per share items | Dec-31-19 | Dec-31-18 | Dec-31-17 | Dec-31-16 | Dec-31-15 | Dec-31-14 | Dec-31-13 |
| | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K |
| Interest income: |
| Interest income on loans | 157.2 | 131.9 | 100.5 | 78.2 | 53.6 | 33.6 | 20.1 |
| Interest income on investments | 23.0 | 33.9 | 29.9 | 20.9 | 14.7 | 9.5 | 4.7 |
| Interest income on repurchase agreements | 3.2 | 2.9 | 1.2 | 0.3 | 0.1 | 0.1 | 0.0 |
| | 184.7 | 169.9 | 132.5 | 99.9 | 68.7 | 43.4 | 25.0 |
| Interest expense: |
| Interest on deposits | 61.3 | 53.3 | 27.5 | 14.2 | 8.7 | 5.3 | 3.7 |
| Interest on borrowings | | | | | | | 0.1 |
| | 73.5 | 64.4 | 35.4 | 18.3 | 9.3 | 5.7 | 3.9 |
| Net interest income | 111.2 | 105.5 | 97.0 | 81.6 | 59.4 | 37.7 | 21.0 |
| Provision for loan losses | 32.0 | 2.3 | 4.3 | 5.2 | 5.0 | 2.4 | 0.9 |
| Net interest income after provision for loan losses | 79.1 | 103.2 | 92.7 | 76.3 | 54.4 | 35.3 | 20.1 |
| Deposit and loan fees | | | | | 0.1 | 0.1 | 0.1 |
| Gain on sale of investments, net | | | | | 0.8 | 0.3 | 0.1 |
| Other non-interest income | 17.8 | 10.7 | 14.7 | 15.1 | 11.9 | 9.6 | 13.6 |
| Total non-interest income | 17.8 | 10.7 | 14.7 | 15.1 | 12.9 | 10.0 | 13.8 |
| Non-interest expenses | 81.9 | 73.5 | 60.8 | 51.7 | 42.1 | 31.7 | 19.7 |
| Pre-tax income | 15.0 | 40.4 | 46.6 | 39.8 | 25.1 | 13.5 | 7.3 |
| Income taxes | 0.2 | 5.9 | 18.5 | 11.7 | 9.0 | 5.1 | 2.7 |
| Tax rate | 1.2% | 14.6% | 39.7% | 29.5% | 35.9% | 37.9% | 37.5% |
| Minority interest | 0.0 | 0.0 | 0.0 | | | | |
| Net income | 14.8 | 34.5 | 28.1 | 28.0 | 16.0 | 8.3 | 4.5 |
| Net margin | 15.3% | 30.3% | 26.1% | 30.6% | 23.8% | 18.4% | 13.1% |
| |
| Basic EPS | $1.02 | $2.46 | $2.15 | $2.59 | $1.63 | $1.33 | $1.14 |
| Diluted EPS | $0.99 | $2.37 | $2.05 | $2.44 | $1.55 | $1.28 | $1.11 |
| |
| Shares outstanding (basic) | 14.5 | 14.0 | 13.0 | 10.8 | 9.8 | 6.2 | 3.9 |
| Shares outstanding (diluted) | 15.0 | 14.6 | 13.7 | 11.5 | 10.3 | 6.5 | 4.0 |
| |
| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |