In millions, except per share items | Mar-31-23 | Dec-31-22 | Sep-30-22 | Mar-31-22 | Dec-31-21 | Sep-30-21 | Jun-30-21 | Mar-31-21 |
| 10-Q | 10-Q | 10-Q | 10-Q | 10-Q | 10-Q | 10-K | 10-Q |
Interest income: |
Interest income on loans | | | | 108.7 | 109.7 | 111.1 | 111.8 | 112.6 |
| | | | 114.8 | 115.9 | 117.6 | 118.7 | 121.0 |
Interest expense: |
Interest on deposits | | | | 5.8 | 6.6 | 7.7 | 9.4 | 12.3 |
| | | | 31.7 | 34.1 | 36.9 | 40.2 | 19.0 |
Net interest income | | | | 107.9 | 106.6 | 105.5 | 103.3 | 102.0 |
Provision for loan losses | | | | | | | -7.1 | |
Net interest income after provision for loan losses | | | | 115.0 | 113.7 | 112.7 | 110.5 | 99.3 |
Deposit and loan fees | | | | 9.5 | 9.5 | 9.4 | 9.1 | 8.7 |
Income on real estate owned | | | | | | 0.0 | | |
Other non-interest income | | | | 31.1 | 32.8 | 32.2 | 30.7 | 27.1 |
Total non-interest income | | | | 40.6 | 42.3 | 41.5 | 39.8 | 35.9 |
Non-interest expenses | | | | 125.9 | 130.6 | 131.2 | 131.2 | 107.6 |
Pre-tax income before non-recurring items | | | | 29.0 | 28.7 | 26.9 | 20.6 | 33.8 |
Non-recurring items | | | | | 1.4 | | 1.5 | |
Pre-tax income | | | | 27.6 | 27.3 | 25.4 | 19.1 | 33.8 |
Income taxes | | | | 5.3 | 5.2 | 5.0 | 3.4 | 7.1 |
Tax rate | | | | 19.4% | 19.1% | 19.5% | 17.9% | 21.0% |
Net income | | | | 22.2 | 22.1 | 20.4 | 15.7 | 26.7 |
Net margin | | | | 14.2% | 14.1% | 13.2% | 10.4% | 20.7% |
|
Basic EPS | | | | $1.41 | $1.39 | $1.28 | $0.97 | $1.64 |
Diluted EPS | | | | $1.38 | $1.36 | $1.25 | $0.95 | $1.60 |
|
Shares outstanding (basic) | | | | 15.7 | 15.9 | 16.0 | 16.1 | 16.3 |
Shares outstanding (diluted) | | | | 16.1 | 16.3 | 16.4 | 16.5 | 16.7 |
|
EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |