HBT Financial, Inc. (HBT) [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	8-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q
Interest income:
Interest income on loans	47.1		29.9	27.8	26.8	27.9	25.6	25.3
Interest income on investments	7.7		7.8	6.8	5.7	5.6	5.7	5.2
	56.8		39.0	35.8	33.3	34.4	32.1	31.1
Interest expense:
Interest on deposits	4.3		0.6	0.5	0.6	0.7	0.6	0.6
Interest on borrowings	2.2		0.1	0.0	0.0	0.0	0.0
	19.2		3.4	2.9	3.0	3.3	3.0	3.1
Net interest income	48.9	42.2	37.4	34.4	31.9	32.9	30.7	29.7
Provision for loan losses	-0.2		0.4	0.1	-0.6	-0.8	-1.7	-2.2
Net interest income after provision for loan losses	49.1	42.2	37.0	34.2	32.5	33.7	32.4	31.9
Other non-interest income	9.9	7.9	8.2	8.6	10.0	9.4	8.4	8.8
Total non-interest income	9.9	7.9	8.2	8.6	10.0	9.4	8.4	8.8
Non-interest expenses	34.0		24.0	23.8	24.2	24.4	22.2	22.2
Pre-tax income before non-recurring items	25.2	23.2	21.2	18.9	18.6	19.4	17.9	18.4
Non-recurring items	0.1		0.0	0.0	0.2	0.7	-0.7	0.0
Pre-tax income	25.0	23.2	21.2	18.9	18.4	18.7	18.6	18.5
Income taxes	6.6	6.1	5.6	4.9	4.8	5.1	4.9	4.8
Tax rate	26.2%	26.1%	26.4%	25.6%	26.1%	27.2%	26.3%	25.8%
Net income	18.5	17.2	15.6	14.1	13.6	13.6	13.7	13.7
Net margin	31.3%	34.3%	34.5%	32.9%	32.0%	31.6%	33.6%	33.8%

Basic EPS	$0.58	$0.60	$0.54	$0.49	$0.47	$0.49	$0.50	$0.50
Diluted EPS	$0.58	$0.60	$0.54	$0.49	$0.47	$0.49	$0.50	$0.50

Shares outstanding (basic)	32.0	28.8	28.8	28.9	29.0	27.8	27.3	27.4
Shares outstanding (diluted)	32.1	28.8	28.9	28.9	29.0	27.8	27.4	27.4

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