In millions, except per share items | Jun-30-23 | Mar-31-23 | Dec-31-22 | Sep-30-22 | Jun-30-22 | Mar-31-22 | Dec-31-21 | Sep-30-21 |
| 10-Q | 10-Q | 10-K | 10-Q | 10-Q | 10-Q | 10-K | 10-Q |
Interest income: |
Interest income on loans | 30.7 | 28.4 | 26.3 | 24.0 | 22.9 | 22.7 | 22.7 | 22.3 |
Interest income on investments | 4.2 | 4.1 | 3.7 | 3.2 | 2.5 | 1.9 | 2.0 | 1.9 |
| 35.6 | 33.1 | 30.3 | 27.5 | 25.8 | 25.1 | 25.1 | 24.6 |
Interest on deposits | 11.4 | 8.0 | 5.1 | 3.8 | 3.6 | 3.8 | 4.3 | 4.9 |
Total interest expense | 12.4 | 8.4 | 5.1 | 4.1 | 3.5 | 3.7 | 4.3 | 6.1 |
Net interest income | 33.4 | 34.9 | 35.5 | 31.9 | 30.8 | 29.9 | 29.3 | 21.6 |
Provision for loan losses | 0.1 | | | 0.4 | 0.2 | | 0.0 | -0.1 |
Net interest income after provision for loan losses | 33.4 | 34.6 | 35.2 | 31.6 | 30.6 | 29.8 | 29.3 | 21.7 |
Other non-interest income | 1.1 | 1.1 | 1.1 | 2.1 | 2.2 | 2.5 | 4.5 | 3.3 |
Total non-interest income | 1.1 | 1.1 | 1.1 | 2.1 | 2.2 | 2.5 | 4.5 | 3.3 |
Non-interest expenses | 14.3 | 14.3 | 14.3 | 14.5 | 14.6 | 14.6 | 14.5 | 13.2 |
Pre-tax income | 7.7 | 8.9 | 9.5 | 9.3 | 8.3 | 7.8 | 9.4 | 8.4 |
Income taxes | 2.0 | 2.4 | 2.6 | 2.3 | 2.2 | 1.9 | 1.9 | 1.9 |
Tax rate | 25.8% | 27.0% | 27.5% | 24.6% | 26.1% | 24.1% | 20.0% | 22.3% |
Net income | 5.7 | 6.5 | 6.9 | 7.0 | 6.1 | 5.9 | 7.5 | 6.5 |
Net margin | 16.3% | 18.0% | 18.8% | 20.8% | 18.6% | 18.3% | 22.2% | 26.1% |
|
Basic EPS | $0.43 | $0.48 | $0.50 | $0.51 | $0.44 | $0.43 | $0.55 | $0.49 |
Diluted EPS | $0.43 | $0.48 | $0.50 | $0.51 | $0.44 | $0.42 | $0.55 | $0.49 |
|
Shares outstanding (basic) | 13.3 | 13.4 | 13.6 | 13.7 | 13.8 | 13.9 | 13.7 | 13.3 |
Shares outstanding (diluted) | 13.3 | 13.5 | 13.7 | 13.8 | 13.9 | 13.9 | 13.7 | 13.3 |
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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. |