VWF Bancorp, Inc. [Rocket]

In millions, except per share items	Jun-30-23	Jun-30-22	Jun-30-21	Jun-30-20
	10-K	10-K	10-K	S-1
Interest income:
Interest income on loans	2.9	2.7	2.7	2,872.4
Interest income on investments	1.5	0.3	0.2
	5.1	3.2	3.1	3,587.6
Interest expense:
Interest on deposits	0.8	0.3	0.5
Interest on borrowings	0.0	0.0	0.0	0.0
	0.8	0.3	0.5	721.1
Net interest income	4.3	2.9	2.7	2,866.6
Net interest income after provision for loan losses	4.3	2.9	2.7	2,866.6
Total non-interest income	0.2	0.2	0.2	214.6
Non-interest expenses	5.2	3.1	2.6	2,592.4
Pre-tax income	-0.7	0.0	0.3	488.7
Income taxes	-0.2	0.0	0.0	77.5
Tax rate	25.1%	77.4%	12.0%	15.9%
Net income	-0.5	0.0	0.3	411.2
Net margin	-12.2%	-0.3%	9.0%	13.3%

Basic EPS	($0.31)
Diluted EPS	($0.31)

Shares outstanding (basic)	1.8
Shares outstanding (diluted)	1.8

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