Veritex Holdings, Inc. (VBTX) [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/A	10-Q	10-K	10-Q	10-Q/A	10-Q	10-K	10-Q
Interest income:
Interest income on loans	163.7	151.7	136.8	109.2	82.2	71.4	74.2	71.1
Interest income on investments	10.2	11.0	10.9	10.5	9.6	7.8	9.6	7.6
	182.5	169.6	152.2	123.2	93.6	80.4	84.9	79.8
Interest expense:
Interest on borrowings	17.6	12.4		2.5	0.8	1.5		1.8
	81.7	66.2	46.1	22.2	9.1	7.3	8.2	8.5
Net interest income	100.8	103.4	106.1	101.0	84.5	73.0	76.7	71.3
Net interest income after provision for loan losses	100.8	103.4	106.1	101.0	84.5	73.0	76.7	71.3
Deposit and loan fees	6.8	7.1	7.7	8.0	7.4	7.5	7.5	6.2
Other non-interest income	6.9	6.5	6.7	5.0	3.0	7.6	8.7	9.4
Total non-interest income	13.7	13.5	14.3	13.0	10.4	15.1	16.2	15.6
Non-interest expenses	57.2	56.6	57.4	51.0	48.2	46.6	45.1	41.3
Equity in earnings	0.5	-1.5	-5.4	-1.1	1.0	0.4	1.2	4.5
Pre-tax income before non-recurring items	43.5	49.4	50.4	56.0	38.0	42.3	52.2	46.0
Non-recurring items			-1.4	0.4	0.3	0.7
Pre-tax income	43.5	49.4	51.8	55.6	37.7	41.6	52.2	46.0
Income taxes	9.7	11.0	11.9	12.2	8.1	8.1	10.7	9.2
Tax rate	22.4%	22.3%	23.0%	22.0%	21.4%	19.5%	20.5%	20.0%
Net income	33.7	38.4	39.9	43.3	29.6	33.5	41.5	36.8
Net margin	29.5%	32.9%	33.1%	38.0%	31.2%	38.0%	44.7%	42.4%

Basic EPS	$0.62	$0.71	$0.75	$0.80	$0.55	$0.66	$0.84	$0.75
Diluted EPS	$0.62	$0.71	$0.75	$0.80	$0.55	$0.66	$0.84	$0.75

Shares outstanding (basic)	54.2	54.1	53.2	54.0	53.9	50.7	49.4	49.4
Shares outstanding (diluted)	54.2	54.1	53.2	54.0	53.9	50.7	49.4	49.4

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