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	561.5	479.9	399.7	337.0	298.9	284.6	280.5	275.9
Interest income on investments	42.5	42.0	38.7	37.4	34.6	32.5	32.1	30.2
	627.6	538.7	449.4	382.1	338.6	321.2	316.5	309.7
Interest expense:
Interest on borrowings	32.5	15.7		4.9	4.2	5.2		5.5
	216.2	143.7	84.8	46.8	33.1	33.0	35.7	38.9
Net interest income	411.4	395.0	364.7	335.3	305.5	288.2	280.8	270.8
Net interest income after provision for loan losses	411.4	395.0	364.7	335.3	305.5	288.2	280.8	270.8
Deposit and loan fees	29.5	30.2	30.6	30.4	28.6	26.9	24.3	20.4
Other non-interest income	25.0	21.1	22.2	24.2	28.6	32.4	34.1	30.9
Total non-interest income	54.6	51.3	52.8	54.6	57.3	59.3	58.4	51.3
Non-interest expenses	222.2	213.1	203.1	190.8	181.1	174.7	167.7	170.0
Equity in earnings	-7.5	-7.0	-5.1	1.5	7.1	6.1	5.8	4.5
Pre-tax income before non-recurring items	199.2	193.8	186.6	188.4	178.5	177.8	176.3	151.6
Non-recurring items			0.0	1.4	1.0	0.7
Pre-tax income	200.2	194.5	186.6	187.1	177.5	177.1	176.3	151.6
Income taxes	44.9	43.2	40.3	39.1	36.1	35.8	36.7	30.7
Tax rate	22.4%	22.2%	21.6%	20.9%	20.3%	20.2%	20.8%	20.3%
Net income	155.4	151.3	146.3	147.9	141.4	141.3	139.6	120.9
Net margin	33.3%	33.9%	35.0%	37.9%	39.0%	40.7%	41.2%	37.5%

Basic EPS	$2.88	$2.81	$2.76	$2.84	$2.78	$2.84	$2.82	$2.44
Diluted EPS	$2.88	$2.81	$2.76	$2.84	$2.78	$2.84	$2.82	$2.44

Shares outstanding (basic)	53.9	53.8	52.9	52.0	50.9	49.7	49.4	49.5
Shares outstanding (diluted)	53.9	53.8	52.9	52.0	50.9	49.7	49.4	49.5

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