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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 | Dec-31-15 |
| 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K |
Interest income on loans | 54.0 | 41.5 | 35.6 | 31.8 | 24.4 | 17.6 | 14.1 | 10.6 |
Total interest income | 61.0 | 44.5 | 38.6 | 36.7 | 29.0 | 20.4 | 16.2 | 12.5 |
Interest expense: |
| 1.6 | 0.8 | 1.2 | 2.5 | 1.2 | 0.5 | 0.5 | 0.5 |
Net interest income | 59.3 | 43.7 | 37.4 | 34.1 | 27.7 | 19.9 | 15.7 | 12.0 |
Provision for loan losses | 3.5 | 7.0 | 6.3 | 1.9 | 1.4 | 0.9 | 0.6 | 0.9 |
Net interest income after provision for loan losses | 55.9 | 36.7 | 31.2 | 32.3 | 26.4 | 19.0 | 15.1 | 11.1 |
Deposit and loan fees | | | | | | | | 0.7 |
Other non-interest income | 24.9 | 21.0 | 14.6 | 11.8 | 7.9 | 5.5 | 4.1 | 2.2 |
Total non-interest income | 24.9 | 21.0 | 14.6 | 11.8 | 7.9 | 5.5 | 4.1 | 2.9 |
Non-interest expenses | 42.0 | 35.1 | 28.7 | 24.9 | 22.3 | 17.4 | 14.6 | 12.2 |
Pre-tax income | 38.8 | 22.7 | 17.2 | 19.1 | 11.9 | 7.0 | 4.6 | 1.8 |
Income taxes | 10.3 | 4.8 | 4.5 | 5.0 | 3.2 | 3.4 | 1.8 | 0.7 |
Tax rate | 26.5% | 21.1% | 26.5% | 26.1% | 26.8% | 48.2% | 38.5% | 36.2% |
Net income | 28.5 | 17.9 | 12.6 | 14.1 | 8.7 | 3.6 | 2.8 | 1.2 |
Net margin | 35.3% | 31.0% | 27.5% | 32.1% | 25.5% | 14.9% | 14.7% | 8.4% |
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Basic EPS | $3.73 | $2.40 | $1.70 | $1.91 | $1.18 | $0.59 | $0.57 | $0.26 |
Diluted EPS | $3.47 | $2.26 | $1.65 | $1.82 | $1.13 | $0.58 | $0.57 | $0.26 |
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Shares outstanding (basic) | 7.6 | 7.5 | 7.4 | 7.4 | 7.4 | 6.2 | 5.0 | 4.5 |
Shares outstanding (diluted) | 8.2 | 7.9 | 7.6 | 7.8 | 7.7 | 6.2 | 5.0 | 4.5 |
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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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