In millions, except per share items | Mar-31-23 | 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 | | 82.6 | 76.5 | 71.6 | 67.7 | 65.1 | 65.0 | 65.3 |
Interest income on investments | | 5.1 | 4.9 | 4.7 | 4.4 | 4.2 | 4.1 | 4.4 |
| | 88.4 | 82.0 | 76.8 | 72.6 | 69.7 | 69.5 | 70.2 |
Interest expense: |
Interest on deposits | | 5.5 | 5.4 | 5.4 | 5.5 | 6.1 | 7.1 | 8.6 |
Interest on borrowings | | 1.0 | 0.9 | 0.8 | 0.7 | 0.8 | 0.9 | 1.0 |
| | 8.2 | 7.7 | 7.3 | 7.0 | 7.6 | 8.7 | 10.4 |
Net interest income | | 99.0 | 93.2 | 84.2 | 86.4 | 82.9 | 81.5 | 80.6 |
Provision for loan losses | | 2.3 | | | 3.0 | 4.3 | 5.3 | |
Net interest income after provision for loan losses | | 96.8 | 91.9 | 81.2 | 83.4 | 78.6 | 76.3 | 75.6 |
Other non-interest income | | 16.3 | 17.0 | 17.6 | 18.7 | 19.4 | 18.7 | 16.8 |
Total non-interest income | | 16.3 | 17.0 | 17.6 | 18.7 | 19.4 | 18.7 | 16.8 |
Non-interest expenses | | 55.5 | 55.3 | 54.2 | 51.0 | 48.8 | 46.1 | 44.4 |
Pre-tax income before non-recurring items | | 37.1 | 33.6 | 29.5 | 28.7 | 26.6 | 26.1 | 25.2 |
Non-recurring items | | -0.5 | | 0.0 | 0.4 | 0.2 | 0.0 | 0.0 |
Pre-tax income | | 37.6 | 33.6 | 29.5 | 28.3 | 26.4 | 26.1 | 25.2 |
Income taxes | | 7.6 | 6.9 | 6.0 | 5.7 | 5.4 | 5.2 | 5.1 |
Tax rate | | 20.3% | 20.5% | 20.3% | 20.1% | 20.3% | 19.9% | 20.3% |
Net income | | 30.0 | 26.7 | 23.5 | 22.6 | 21.1 | 20.9 | 20.1 |
Net margin | | 25.8% | 23.9% | 23.1% | 21.1% | 20.5% | 20.9% | 20.6% |
|
Basic EPS | | $2.39 | $2.21 | $2.03 | $2.04 | $1.90 | $1.89 | $1.82 |
Diluted EPS | | $2.47 | $2.28 | $2.09 | $2.04 | $1.90 | $1.89 | $1.82 |
|
Shares outstanding (basic) | | 12.5 | 12.1 | 11.6 | 11.1 | 11.1 | 11.1 | 11.1 |
Shares outstanding (diluted) | | 12.1 | 11.7 | 11.2 | 11.1 | 11.1 | 11.1 | 11.1 |
|
EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |