HOME BANCORP, INC. (HBCP) [Rocket]

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:
Interest income on loans	112.7	101.6	99.1	94.4	94.3	69.2	63.7	54.5
Interest income on investments	10.1	4.6	4.6	6.4	6.7	4.5	3.7	3.7
	125.9	106.9	104.1	102.2	102.3	74.4	67.7	58.4
Interest expense:
Interest on deposits	5.2	5.2	11.0	15.1	9.1	5.2	3.7	3.1
Interest on borrowings	0.4	0.5	0.6	0.9	1.1	1.3	1.4	0.7
	7.9	5.9	11.9	16.2	10.3	6.5	5.3	3.9
Net interest income	118.0	101.0	92.2	86.0	92.0	67.8	62.4	54.5
Net interest income after provision for loan losses	118.0	101.0	92.2	86.0	92.0	67.8	62.4	54.5
Deposit and loan fees								3.9
Credit and debit card fees								2.4
Gain on sale of investments, net								0.0
Other non-interest income	13.9	16.3	14.3	14.4	13.4	10.0	11.2	11.7
Total non-interest income	13.9	16.3	14.3	14.4	13.4	10.0	11.2	18.0
Non-interest expenses	81.9	67.0	63.0	63.6	63.2	46.2	46.8	42.0
Pre-tax income before non-recurring items	42.5	59.9	30.8	33.5	38.2	29.2	24.2	18.7
Non-recurring items	0.0	-0.5	0.0	-0.3	-0.1	-0.2	0.6	-0.5
Pre-tax income	42.5	60.4	30.8	33.8	38.3	29.3	23.6	19.2
Income taxes	8.4	11.8	6.0	5.9	6.7	12.5	7.6	6.7
Tax rate	19.8%	19.6%	19.6%	17.3%	17.5%	42.6%	32.1%	34.7%
Net income	34.1	48.6	24.8	27.9	31.6	16.8	16.0	12.5
Net margin	25.8%	41.5%	23.3%	27.8%	30.0%	21.6%	21.8%	17.3%

Basic EPS	$4.19	$5.80	$2.86	$3.08	$3.48	$2.36	$2.34	$1.87
Diluted EPS	$4.16	$5.77	$2.85	$3.05	$3.40	$2.28	$2.25	$1.79

Shares outstanding (basic)	8.1	8.4	8.7	9.1	9.1	7.1	6.8	6.7
Shares outstanding (diluted)	8.2	8.4	8.7	9.1	9.3	7.4	7.1	7.0

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