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Income Statement
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National Bank Holdings Corp (NBHC)

Income Statement

Standardized | As Reported Annual | Quarterly | TTM
  Older >>
In millions, except per share itemsDec-31-22Dec-31-21Dec-31-20Dec-31-19Dec-31-18Dec-31-17Dec-31-16Dec-31-15
   8-K10-K10-K10-K10-K10-K10-K10-K
    Interest income:  
        Interest income on loans   181.8200.0218.8193.1137.2129.3131.3
        Interest income on investments   17.316.521.325.724.829.738.1
       284.7201.0218.0242.6221.4164.4160.4171.4
        Interest on deposits   13.623.629.821.016.214.013.6
    Total interest expense  17.913.825.136.824.018.114.814.5
Net interest income  266.8187.1192.9205.8197.4146.3145.6156.9
Provision for loan losses   -9.317.611.65.213.023.712.4
Net interest income after provision for loan losses  266.8196.4175.3194.2192.2133.3122.0144.5
        Deposit and loan fees  16.4       
        Credit and debit card fees         10.9
        Other non-interest income  51.0110.4140.382.870.839.240.010.6
Total non-interest income  67.3110.4140.382.870.839.240.021.4
Non-interest expenses  211.2191.8206.2180.7189.3136.7136.0158.0
Pre-tax income before non-recurring items  86.8116.6111.797.173.735.926.014.7
Non-recurring items  0.61.62.30.9   6.8
Pre-tax income  86.2115.0109.496.273.735.926.07.9
Income taxes  14.921.420.815.812.221.32.93.0
            Tax rate  17.3%18.6%19.0%16.5%16.6%59.3%11.3%38.4%
Net income  71.393.688.680.461.514.623.14.9
            Net margin  21.3%30.5%28.1%29.0%23.4%8.4%14.2%2.9%
   
Basic EPS  $2.20$3.05$2.87$2.58$2.00$0.54$0.81$0.14
Diluted EPS  $2.18$3.01$2.85$2.55$1.96$0.53$0.79$0.14
   
Shares outstanding (basic)  32.430.730.931.230.726.928.334.3
Shares outstanding (diluted)  32.731.131.131.531.427.729.134.4
   
EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.  

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