Territorial Bancorp Inc. (TBNK) [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/A	10-K/A
Interest income:
Interest income on loans	45.3	48.7	59.2	63.1	60.3	55.1	51.2	45.9
	62.7	60.3	69.8	75.6	73.3	68.3	66.1	63.1
Interest expense:
Interest on deposits	4.9	4.0	9.0	13.5	11.0	7.7	5.9	4.8
Interest on borrowings	2.1	2.1	3.0	3.3	2.0	1.1	1.0	0.7
	7.2	6.3	12.2	17.0	13.5	9.6	7.8	6.5
Net interest income	55.5	54.0	57.6	58.5	59.8	58.7	58.2	56.6
Provision for loan losses	-0.6	-1.6	1.6	0.1	0.1	0.1	0.3	0.5
Net interest income after provision for loan losses	56.1	55.6	55.9	58.5	59.7	58.7	57.9	56.1
Gain on sale of investments, net		1.8	1.3	2.9	0.0	0.4	0.4	0.7
Other non-interest income	4.2	4.6	5.5	4.9	3.1	3.4	3.7	4.2
Total non-interest income	4.2	6.5	6.8	7.8	3.2	3.8	4.1	4.9
Non-interest expenses	38.8	38.3	37.4	38.0	37.5	36.5	34.9	36.5
Pre-tax income	21.5	23.8	25.3	28.3	25.3	26.1	27.1	24.5
Income taxes	5.3	6.4	6.7	6.3	6.1	11.1	10.8	9.8
Tax rate	24.8%	26.8%	26.5%	22.3%	24.1%	42.6%	39.8%	39.9%
Net income	16.2	17.4	18.6	22.0	19.2	15.0	16.3	14.7
Net margin	26.8%	28.1%	29.7%	33.2%	30.6%	23.9%	26.4%	24.2%

Basic EPS	$1.82	$1.92	$2.04	$2.39	$2.08	$1.61	$1.80	$1.63
Diluted EPS	$1.81	$1.91	$2.02	$2.36	$2.04	$1.57	$1.76	$1.59

Shares outstanding (basic)	8.9	9.1	9.1	9.2	9.2	9.3	9.1	9.1
Shares outstanding (diluted)	8.9	9.1	9.2	9.3	9.4	9.5	9.3	9.3

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