| 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: |
| Interest income on loans | 87.4 | 113.8 | 146.7 | 169.0 | 157.5 | 122.8 | 90.7 | 65.1 |
| Interest income on investments | 6.4 | 1.8 | 3.6 | 5.0 | 3.7 | 1.9 | 1.2 | |
| | 99.9 | 116.5 | 151.4 | 175.4 | 161.8 | 124.8 | 92.0 | 66.0 |
| Interest on deposits | 15.0 | 18.1 | 37.5 | 45.7 | 32.0 | 17.6 | 11.4 | 6.5 |
| Total interest expense | 21.1 | 25.4 | 45.6 | 54.4 | 41.7 | 25.4 | 15.8 | 8.1 |
| Net interest income | 78.8 | 91.2 | 105.8 | 121.0 | 120.1 | 99.4 | 76.1 | 57.8 |
| Provision for loan losses | | | | | | | | 0.5 |
| Net interest income after provision for loan losses | 78.8 | 91.2 | 105.8 | 121.0 | 120.1 | 99.4 | 76.1 | 57.3 |
| Deposit and loan fees | | | | | | | | 1.1 |
| Other non-interest income | 1.3 | 5.8 | 4.3 | 11.4 | 22.0 | 14.5 | 14.2 | 7.3 |
| Total non-interest income | 1.3 | 5.8 | 4.3 | 11.4 | 22.0 | 14.5 | 14.2 | 8.4 |
| Non-interest expenses | 97.6 | 72.2 | 74.1 | 87.7 | 50.3 | 40.8 | 32.6 | 27.9 |
| Pre-tax income before non-recurring items | -6.0 | 40.0 | -18.0 | 44.9 | 88.7 | 70.6 | 48.4 | 37.1 |
| Non-recurring items | 1.5 | 6.9 | 0.8 | 0.0 | 0.1 | 0.1 | -8.0 | -0.7 |
| Pre-tax income | -7.6 | 33.0 | -18.9 | 44.9 | 88.6 | 70.4 | 56.4 | 37.8 |
| Income taxes | 6.6 | 9.6 | -5.9 | 15.6 | 25.1 | 32.5 | 23.2 | 15.3 |
| Tax rate | | 29.2% | 31.3% | 34.8% | 28.3% | 46.1% | 41.1% | 40.4% |
| Net income | -14.2 | 23.4 | -13.0 | 29.2 | 63.5 | 38.0 | 33.2 | 22.5 |
| Net margin | -17.7% | 24.1% | -11.8% | 6587.4% | 44.7% | 33.3% | 36.8% | 34.3% |
| |
| Basic EPS | ($0.28) | $0.47 | ($0.26) | $0.57 | $1.20 | $0.82 | $0.73 | $0.49 |
| Diluted EPS | ($0.28) | $0.47 | ($0.26) | $0.57 | $1.20 | $0.82 | $0.73 | $0.49 |
| |
| Shares outstanding (basic) | 50.3 | 50.0 | 49.8 | 51.1 | 53.0 | 46.2 | 45.3 | 46.1 |
| Shares outstanding (diluted) | 50.3 | 50.1 | 49.8 | 51.1 | 53.0 | 46.2 | 45.3 | 46.1 |
| |
| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |