BankUnited, Inc. (BKU) [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	Dec-31-15
	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K
Interest income:
Interest income on loans	934.6	800.8	864.2	981.4	1,198.2	1,001.9	896.2	753.9
Interest income on investments	280.1	152.6	193.9	280.6	233.1	188.3	150.9	116.8
	1,230.5	959.4	1,067.6	1,281.9	1,449.1	1,204.5	1,059.2	880.8
Interest expense:
Interest on deposits	180.0	67.6	200.0	385.2	284.6	170.9	119.8	91.2
	815.0	395.1	831.7	1,443.4	1,082.7	679.3	497.4	361.5
Net interest income	913.0	795.7	751.8	752.8	1,050.1	950.3	870.4	745.7
Provision for loan losses					25.9	68.7	50.9	44.3
Net interest income after provision for loan losses	913.0	795.7	751.8	752.8	1,024.2	881.5	819.5	701.3
Gain on sale of investments, net	-15.8	6.4	17.8	21.2	3.2	33.5	14.5	8.5
Other non-interest income	93.4	127.7	115.5	126.0	128.9	124.4	92.0	93.7
Total non-interest income	77.6	134.2	133.2	147.2	132.0	157.9	106.4	102.2
Non-interest expenses	540.3	547.6	457.2	487.1	740.5	635.0	590.4	506.7
Pre-tax income	375.1	449.4	249.4	404.0	415.7	404.5	335.4	296.9
Income taxes	90.2	34.4	51.5	90.9	90.8	-209.8	109.7	45.2
Tax rate	24.0%	7.7%	20.7%	22.5%	21.8%		32.7%	15.2%
Net income	285.0	415.0	197.9	313.1	324.9	614.3	225.7	251.7
Net margin	1217.7%	1913.7%	1199.4%	1893.1%	28.1%	59.1%	24.4%	31.3%

Basic EPS	$3.62	$4.59	$2.16	$3.28	$3.13	$5.82	$2.19	$2.47
Diluted EPS	$3.62	$4.59	$2.16	$3.27	$3.12	$5.80	$2.18	$2.44

Shares outstanding (basic)	78.8	90.4	91.7	95.5	103.7	105.5	102.9	102.1
Shares outstanding (diluted)	78.8	90.4	91.7	95.7	104.1	105.9	103.7	103.0

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