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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 | S-1/A |
Total interest income | 876.1 | 575.8 | 545.5 | | | | 254.2 |
Total interest expense | | | | 60.5 | 46.9 | 36.4 | 28.8 |
Net interest income | 876.1 | 575.8 | 545.5 | 60.5 | 46.9 | 36.4 | 282.9 |
Provision for loan losses | | | | -4.5 | 16.1 | 98.3 | |
Net interest income after provision for loan losses | 876.1 | 575.8 | 545.5 | 65.0 | 30.8 | -61.9 | 282.9 |
Total non-interest income | 76.4 | 50.9 | 38.3 | 92.6 | 82.3 | 55.3 | 23.4 |
Non-interest expenses | 715.9 | 467.7 | 393.2 | 362.4 | 287.3 | 224.2 | |
Asset impairment | 108.5 | | | | | | |
Pre-tax income | -75.3 | 62.8 | -58.1 | 84.4 | 170.1 | 2.1 | 16.1 |
Income taxes | 2.5 | 15.4 | -13.0 | 22.8 | 46.7 | 12.3 | -34.8 |
Tax rate | | 24.5% | 22.4% | 27.0% | 27.5% | 593.3% | |
Net income | -77.7 | 47.4 | -45.1 | 4.3 | 16.6 | -10.2 | 4.4 |
Net margin | -249.3% | 5832.0% | -13.5% | 2.7% | 14.7% | -2.3% | 1.6% |
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Basic EPS | ($2.37) | $1.68 | ($1.65) | $0.46 | $6.42 | ($4.22) | $1.83 |
Diluted EPS | ($2.37) | $1.56 | ($1.65) | $0.40 | $4.47 | ($4.22) | $1.28 |
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Shares outstanding (basic) | 32.8 | 28.2 | 27.3 | 9.3 | 2.6 | 2.4 | 2.4 |
Shares outstanding (diluted) | 32.8 | 30.3 | 27.3 | 10.8 | 3.7 | 2.4 | 3.5 |
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EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |
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