| In millions, except per share items | Sep-30-22 | Jun-30-22 | Mar-31-22 | Dec-31-21 | Sep-30-21 | Jun-30-21 | Mar-31-21 | Dec-31-20 |
| | 10-Q | 10-Q | 10-Q | 10-K | 10-Q | 10-Q | 10-Q | 10-K |
| Interest income: |
| Interest income on loans | 230.0 | 191.0 | 166.0 | 185.0 | 197.0 | 186.0 | 196.0 | 197.0 |
| Interest income on investments | 22.0 | 17.0 | 11.0 | 11.0 | 12.0 | 12.0 | 12.0 | 14.0 |
| | 254.0 | 209.0 | 177.0 | 196.0 | 209.0 | 198.0 | 208.0 | 211.0 |
| Interest expense: |
| Interest on deposits | 11.0 | 7.0 | 6.0 | 7.0 | 7.0 | 8.0 | 10.0 | 12.0 |
| Interest on borrowings | 4.0 | 3.0 | 3.0 | 4.0 | 3.0 | 3.0 | 3.0 | 3.0 |
| | 35.0 | 16.0 | 12.0 | 15.0 | 14.0 | 15.0 | 19.0 | 22.0 |
| Net interest income | 219.0 | 193.0 | 165.0 | 181.0 | 195.0 | 183.0 | 189.0 | 189.0 |
| Provision for loan losses | 5.0 | -9.0 | -4.0 | -17.0 | -23.0 | -44.0 | -28.0 | 1.0 |
| Net interest income after provision for loan losses | 214.0 | 202.0 | 169.0 | 198.0 | 218.0 | 227.0 | 217.0 | 188.0 |
| Other non-interest income | 114.0 | 131.0 | 160.0 | 202.0 | 266.0 | 252.0 | 324.0 | 332.0 |
| Total non-interest income | 114.0 | 131.0 | 160.0 | 202.0 | 266.0 | 252.0 | 324.0 | 332.0 |
| Non-interest expenses | 236.0 | 256.0 | 261.0 | 291.0 | 286.0 | 289.0 | 347.0 | 315.0 |
| Pre-tax income before non-recurring items | 94.0 | 80.0 | 70.0 | 112.0 | 201.0 | 193.0 | 197.0 | 208.0 |
| Non-recurring items | 2.0 | 3.0 | 2.0 | 3.0 | 3.0 | 3.0 | 3.0 | 3.0 |
| Pre-tax income | 92.0 | 77.0 | 68.0 | 109.0 | 198.0 | 190.0 | 194.0 | 205.0 |
| Income taxes | 19.0 | 17.0 | 15.0 | 24.0 | 46.0 | 43.0 | 45.0 | 51.0 |
| Tax rate | 20.7% | 22.1% | 22.1% | 22.0% | 23.2% | 22.6% | 23.2% | 24.9% |
| Net income | 73.0 | 60.0 | 53.0 | 85.0 | 152.0 | 147.0 | 149.0 | 154.0 |
| Net margin | 22.3% | 18.0% | 16.1% | 21.3% | 31.4% | 30.7% | 27.5% | 29.6% |
| |
| Basic EPS | $1.37 | $1.13 | $1.00 | $1.61 | $2.88 | $2.79 | $2.83 | $2.75 |
| Diluted EPS | $1.36 | $1.12 | $0.99 | $1.59 | $2.83 | $2.75 | $2.80 | $2.73 |
| |
| Shares outstanding (basic) | 53.3 | 53.3 | 53.2 | 52.8 | 52.9 | 52.8 | 52.7 | 56.1 |
| Shares outstanding (diluted) | 53.6 | 53.5 | 53.6 | 53.5 | 53.7 | 53.5 | 53.3 | 56.5 |
| |
| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |