In millions, except per share items | Dec-31-22 | Dec-31-21 | Dec-31-20 | Dec-31-19 | Dec-31-18 | Dec-31-17 | Dec-31-16 | Dec-31-15 |
| 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K |
Interest income on loans | 217.6 | 214.7 | 227.3 | 226.7 | 214.4 | 191.4 | 169.6 | 154.6 |
Interest income on trading account | | | | | | | 0.2 | 0.4 |
Total interest income | 251.3 | 241.3 | 254.3 | 261.4 | 251.6 | 226.8 | 202.7 | 188.7 |
Total interest expense | 21.0 | 17.5 | 29.0 | 50.8 | 39.8 | 25.5 | 22.1 | 20.4 |
Net interest income | 230.3 | 223.8 | 225.3 | 210.6 | 211.8 | 201.3 | 180.6 | 168.4 |
Provision for loan losses | | | | | | 4.2 | 4.3 | 2.9 |
Net interest income after provision for loan losses | 230.3 | 223.8 | 225.3 | 210.6 | 211.8 | 197.1 | 176.3 | 165.4 |
Deposit and loan fees | 7.4 | 6.3 | 6.3 | 8.3 | 8.4 | 8.4 | 8.8 | 9.3 |
Credit and debit card fees | | | | | | | | 7.8 |
Gain on sale of investments, net | | | | | | | | 1.1 |
Other non-interest income | 70.6 | 72.5 | 67.5 | 67.1 | 69.0 | 60.8 | 60.0 | 53.7 |
Total non-interest income | 78.0 | 78.8 | 73.9 | 75.4 | 77.4 | 69.2 | 68.8 | 71.9 |
Non-interest expenses | 195.8 | 190.3 | 184.3 | 181.8 | 181.1 | 171.1 | 158.6 | 149.9 |
Pre-tax income before non-recurring items | 111.1 | 115.8 | 98.9 | 104.1 | 104.2 | 95.2 | 86.5 | 87.5 |
Non-recurring items | 1.4 | 1.2 | 1.2 | 1.2 | | | | |
Pre-tax income | 109.7 | 114.6 | 97.7 | 102.9 | 104.2 | 95.2 | 86.5 | 87.5 |
Income taxes | 24.6 | 25.2 | 19.9 | 21.0 | 21.8 | 42.6 | 27.0 | 29.0 |
Tax rate | 22.4% | 22.0% | 20.4% | 20.4% | 20.9% | 44.7% | 31.3% | 33.1% |
Minority interest | 0.1 | 0.1 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
Net income | 85.0 | 89.3 | 77.6 | 81.7 | 82.3 | 52.5 | 59.3 | 58.4 |
Net margin | 114.9% | 123.0% | 118.0% | 121.0% | 124.8% | 19.7% | 24.2% | 24.6% |
|
Basic EPS | $5.93 | $6.13 | $5.28 | $5.48 | $5.47 | $3.51 | $4.01 | $3.97 |
Diluted EPS | $5.90 | $6.09 | $5.26 | $5.46 | $5.44 | $3.48 | $3.97 | $3.93 |
|
Shares outstanding (basic) | 14.3 | 14.6 | 14.7 | 14.9 | 15.0 | 15.0 | 14.8 | 14.7 |
Shares outstanding (diluted) | 14.4 | 14.6 | 14.7 | 15.0 | 15.1 | 15.1 | 14.9 | 14.9 |
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EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |