OP Bancorp (OPBK) [Rocket]

In millions, except per share items	Jun-30-23	Dec-31-22	Sep-30-22	Jun-30-22	Mar-31-22	Dec-31-21	Sep-30-21	Jun-30-21
	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q
Interest income:
Interest income on loans		82.9	75.4	70.6	66.4	62.4	58.2	53.8
		88.2	79.1	73.3	68.5	64.2	59.7	55.4
Interest expense:
Interest on deposits		11.2	5.3	3.2	2.9	3.1	3.6	4.4
		11.3	5.3	3.2	2.9	3.1	3.6	4.4
Net interest income		76.9	73.8	70.1	65.6	61.0	56.1	50.9
Provision for loan losses		2.0	2.9		0.2	0.5	0.5	2.7
Net interest income after provision for loan losses		74.9	70.9	68.7	65.3	60.5	55.7	48.2
Other non-interest income		17.6	21.7	20.4	17.3	16.0	12.1	11.6
Total non-interest income		17.6	21.7	20.4	17.3	16.0	12.1	11.6
Non-interest expenses		44.8	43.1	40.3	37.6	35.9	34.7	33.2
Pre-tax income		46.7	48.5	47.8	45.0	40.7	33.1	26.6
Income taxes		13.4	14.1	13.8	13.1	11.8	9.6	7.8
Tax rate		28.7%	29.0%	28.9%	29.1%	29.1%	28.9%	29.2%
Net income		33.3	34.4	34.0	31.9	28.8	23.5	18.9
Net margin		48.6%	50.2%	52.3%	38.6%	37.7%	34.7%	31.6%

Basic EPS		$2.20	$2.27	$2.25	$2.11	$1.91	$1.56	$1.25
Diluted EPS		$2.18	$2.26	$2.24	$2.10	$1.91	$1.55	$1.25

Shares outstanding (basic)		15.2	15.1	15.1	15.1	15.1	15.1	15.1
Shares outstanding (diluted)		15.2	15.2	15.2	15.2	15.1	15.2	15.2

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