| In millions, except per share items | Dec-31-20 | Dec-31-19 | Dec-31-18 | Dec-31-17 |
| | 8-K | 10-K | 10-K | 10-K |
| Interest income: |
| Interest income on loans | 89.2 | 86.2 | 61.1 | 38.6 |
| Interest income on investments | | | | 1.0 |
| | 91.6 | 0.9 | 0.9 | 40.8 |
| Total interest expense | | 12.1 | 8.7 | 6.0 |
| Net interest income | 84.7 | 78.3 | 55.7 | 34.8 |
| Provision for loan losses | 5.9 | 2.8 | 1.5 | 0.6 |
| Net interest income after provision for loan losses | 78.8 | 75.5 | 54.1 | 34.1 |
| Deposit and loan fees | 2.0 | | | |
| Other non-interest income | 1.3 | 7.7 | 3.6 | 5.1 |
| Total non-interest income | 3.3 | 7.7 | 3.6 | 5.1 |
| Non-interest expenses | 46.5 | 43.2 | 36.2 | 23.8 |
| Pre-tax income before non-recurring items | 41.0 | 39.9 | 27.0 | 15.4 |
| Non-recurring items | | | 5.4 | |
| Pre-tax income | 41.0 | 39.9 | 21.6 | 15.4 |
| Income taxes | 12.0 | 12.1 | 6.4 | 8.1 |
| Tax rate | 29.3% | 30.2% | 29.8% | 52.4% |
| Net income | 29.0 | 27.8 | 15.1 | 7.4 |
| Net margin | 35.2% | 33.5% | 26.2% | 18.8% |
| |
| Basic EPS | $2.49 | $2.40 | $1.68 | $1.04 |
| Diluted EPS | $2.49 | $2.38 | $1.65 | $1.03 |
| |
| Shares outstanding (basic) | 11.6 | 11.6 | 9.0 | 7.1 |
| Shares outstanding (diluted) | 11.6 | 11.7 | 9.1 | 7.1 |
| |
| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |