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	238.3	227.3	217.6	211.8	210.5	211.6	214.7	219.3
Total interest income	272.3	261.4	251.3	244.4	241.9	240.7	241.3	244.1
Total interest expense	50.8	33.5	21.0	13.6	13.1	15.4	17.5	14.7
Net interest income	221.5	227.9	230.3	230.8	228.8	225.4	223.8	223.7
Net interest income after provision for loan losses	221.5	227.9	230.3	230.8	228.8	225.4	223.8	223.7
Deposit and loan fees	7.2	7.3	7.4	7.2	6.9	6.7	6.3	6.2
Other non-interest income	64.8	71.1	70.6	71.6	72.0	72.2	72.5	72.3
Total non-interest income	72.1	78.4	78.0	78.8	78.9	78.9	78.8	78.5
Non-interest expenses	201.9	199.1	195.8	193.7	194.3	192.6	190.3	188.7
Pre-tax income before non-recurring items	89.6	106.4	111.1	112.0	111.9	113.7	115.8	120.6
Non-recurring items	1.8	1.6	1.4	1.5	1.5	1.2	1.2	0.7
Pre-tax income	87.8	104.7	109.7	110.6	110.4	112.5	114.6	119.9
Income taxes	18.9	23.5	24.6	25.5	25.3	25.5	25.2	25.9
Tax rate	21.6%	22.4%	22.4%	23.0%	22.9%	22.6%	22.0%	21.6%
Minority interest	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1
Net income	68.7	81.1	85.0	84.9	84.9	86.9	89.3	69.8
Net margin	92.6%	109.8%	115.0%	113.6%	114.7%	118.3%	123.0%	53.1%

Basic EPS	$4.80	$5.67	$5.93	$5.90	$5.88	$5.98	$6.11	$6.37
Diluted EPS	$4.78	$5.64	$5.90	$5.87	$5.85	$5.95	$6.08	$6.34

Shares outstanding (basic)	14.3	14.3	14.3	14.4	14.4	14.5	14.6	11.0
Shares outstanding (diluted)	14.4	14.4	14.4	14.5	14.5	14.6	14.7	11.0

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