Esquire Financial Holdings, Inc. (ESQ) [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 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%

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

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

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