TOMPKINS FINANCIAL CORP (TMP) [Rocket]

In millions, except per share items	Jun-30-23	Mar-31-23	Dec-31-22	Sep-30-22	Jun-30-22	Mar-31-22	Dec-31-21	Sep-30-21
	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q
Interest income on loans	63.5	60.8	58.9	55.0	52.5	51.1	53.1	53.7
Total interest income	71.9	69.2	67.5	63.7	61.0	59.2	60.6	61.1
Total interest expense	20.0	15.0	10.2	5.6	2.7	2.6	2.8	5.0
Net interest income	51.9	54.2	57.3	58.1	58.3	56.6	57.8	56.1
Net interest income after provision for loan losses	51.9	54.2	57.3	58.1	58.3	56.6	57.8	56.1
Deposit and loan fees	1.6	1.7	1.9	1.9	1.8	1.8	1.8	1.6
Other non-interest income	11.0	18.7	16.4	18.8	17.2	18.2	17.4	19.2
Total non-interest income	12.6	20.4	18.4	20.7	18.9	20.0	19.2	20.9
Non-interest expenses	52.0	50.2	50.2	49.6	49.1	46.8	48.2	50.2
Pre-tax income before non-recurring items	10.9	25.7	24.5	28.4	27.7	30.5	25.4	28.3
Non-recurring items	0.6	0.4	0.4	0.3	0.5	0.2	0.5	0.3
Pre-tax income	10.3	25.3	24.1	28.1	27.2	30.3	24.9	28.0
Income taxes	1.8	5.9	4.5	6.8	6.3	7.0	5.4	6.6
Tax rate	17.3%	23.3%	18.6%	24.1%	23.2%	23.0%	21.7%	23.7%
Minority interest	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Net income	8.5	19.4	19.5	21.3	20.9	23.3	19.5	21.3
Net margin	46.1%	103.1%	115.6%	105.9%	115.6%	123.3%	110.1%	109.8%

Basic EPS	$0.59	$1.35	$1.36	$1.49	$1.46	$1.62	$1.34	$1.47
Diluted EPS	$0.59	$1.35	$1.36	$1.49	$1.45	$1.61	$1.33	$1.46

Shares outstanding (basic)	14.3	14.3	14.3	14.3	14.3	14.4	14.6	14.5
Shares outstanding (diluted)	14.3	14.4	14.4	14.4	14.4	14.5	14.6	14.6

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