| In millions, except per share items | Dec-31-22 | Dec-31-21 | Dec-31-20 | Dec-31-19 | Dec-31-18 | Dec-31-17 |
| | 8-K | 10-K | 10-K | 10-K | 10-K | S-1/A |
| Interest income: |
| Interest income on loans | 82.1 | 68.6 | 54.7 | 51.4 | 48.1 | 42.8 |
| Interest income on investments | | 53.4 | 22.5 | | | |
| | 327.3 | 130.4 | 79.6 | 20.2 | 7.3 | 48.3 |
| Interest expense: |
| Interest on deposits | | 0.1 | 5.8 | 7.7 | 1.8 | |
| Interest on borrowings | 47.1 | | | | | 0.7 |
| | 71.7 | 1.1 | 7.2 | 10.1 | 3.1 | 6.4 |
| Net interest income | 399.0 | 129.3 | 72.4 | 71.0 | 69.6 | 54.7 |
| Net interest income after provision for loan losses | 399.0 | 129.3 | 72.4 | 71.0 | 69.6 | 54.7 |
| Other non-interest income | 0.9 | 45.3 | 19.2 | 15.8 | 7.6 | 0.3 |
| Total non-interest income | 0.9 | 45.3 | 19.2 | 15.8 | 7.6 | 0.3 |
| Non-interest expenses | 330.2 | 89.1 | 59.6 | 52.5 | 48.3 | 30.7 |
| Pre-tax income before non-recurring items | -734.9 | 85.4 | 31.2 | 45.7 | 30.4 | 14.0 |
| Non-recurring items | | | | 11.0 | | -0.5 |
| Asset impairment | 196.2 | | | | | |
| Pre-tax income | -931.2 | 85.4 | 31.2 | 34.7 | 30.4 | 14.4 |
| Income taxes | 6.7 | 6.9 | 5.2 | 9.8 | 8.1 | 6.8 |
| Tax rate | | 8.1% | 16.5% | 28.3% | 26.5% | 47.0% |
| Net income | -948.7 | 75.5 | 26.0 | 24.8 | 22.3 | 7.6 |
| Net margin | -237.2% | 43.3% | 28.4% | 28.7% | 28.9% | 13.9% |
| |
| Basic EPS | ($30.07) | $2.95 | $1.39 | $1.38 | $1.35 | $0.83 |
| Diluted EPS | ($30.07) | $2.91 | $1.36 | $1.35 | $1.31 | $0.79 |
| |
| Shares outstanding (basic) | 31.5 | 25.6 | 18.7 | 18.0 | 16.5 | 9.2 |
| Shares outstanding (diluted) | 31.5 | 25.9 | 19.2 | 18.4 | 17.0 | 9.7 |
| |
| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |