SOUTHWEST BANCORP INC (OKSB) [Rocket]

In millions, except per share items	Dec-31-16	Dec-31-15	Dec-31-14	Dec-31-13	Dec-31-12	Dec-31-11	Dec-31-10	Dec-31-09
	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K
Interest income:
Interest income on loans	81.5	67.6	64.2	66.2	84.6	113.2	133.9	141.2
Interest income on investments				3.5	4.7	5.0		6.3
	89.1	74.5	71.8	73.9	93.2	120.7	142.8	150.4
Total interest expense	9.7	7.1	6.8	11.3	16.6	24.4	35.5	51.7
Net interest income	79.4	67.4	65.0	62.7	76.6	96.3	107.3	98.7
Provision for loan losses	4.8	-3.6	-6.6	-7.2	3.1	132.1	35.6	39.2
Net interest income after provision for loan losses	74.7	71.0	71.6	69.9	73.5	-35.8	71.8	59.5
Deposit and loan fees				10.5	11.6	12.1		11.7
Gain on sale of investments, net	0.3	0.2	1.9		0.8		2.7	2.9
Other non-interest income	15.8	14.3	17.0	3.2	3.5		15.9	7.3
Total non-interest income	16.1	14.5	18.9	13.6	15.9	14.0	18.6	21.9
Non-interest expenses	63.2	58.2	56.9	55.3	63.3	90.2	69.2	60.9
Pre-tax income before non-recurring items	27.9	27.2	38.0	28.2	26.1	-112.0	26.7	20.6
Non-recurring items	0.4		4.4				5.6
Pre-tax income	27.5	27.2	33.6	28.2	26.1	-112.0	21.1	20.6
Income taxes	9.8	9.8	12.6	10.8	9.9	-43.7	9.7	7.6
Tax rate	35.7%	36.0%	37.5%	38.2%	37.9%	39.0%	46.1%	37.0%
Net income	17.7	17.4	21.0	17.4	12.4	-72.5	7.2	8.8
Net margin	19.5%	20.4%	23.2%	20.9%	13.9%	-81.9%	7.9%	7.3%

Basic EPS	$0.95	$0.92	$1.08	$0.89	$0.64	($3.74)	$0.40	$0.60
Diluted EPS	$0.94	$0.91	$1.08	$0.89	$0.64	($3.74)	$0.40	$0.60

Shares outstanding (basic)	18.7	19.0	19.4	19.5	19.4	19.4	17.8	14.7
Shares outstanding (diluted)	18.9	19.1	19.6	19.6	19.4	19.4	17.9	14.7

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