CROSSFIRST BANKSHARES, INC. (CFB) [Rocket]

In millions, except per share items	Dec-31-21	Dec-31-20	Dec-31-19	Dec-31-18	Dec-31-17
	10-K	10-K	10-K	10-K	10-K
Interest income:
Interest income on loans	174.7	183.7	191.5	130.1	75.2
Interest income on investments	17.3	18.1	20.6	22.7	20.5
	193.2	203.4	216.2	156.9	97.8
Interest expense:
Interest on deposits	18.5	36.6	67.7	39.4	18.7
Interest on borrowings	0.1	0.1	0.1	0.2	0.1
	24.5	43.2	74.8	46.5	23.0
Net interest income	168.7	160.2	141.4	110.4	74.8
Net interest income after provision for loan losses	168.7	160.2	141.4	110.4	74.8
Gain on sale of investments, net	1.0	1.7	3.7	0.5	0.4
Other non-interest income	12.6	10.0	5.0	5.5	3.3
Total non-interest income	13.7	11.7	8.7	6.1	3.7
Non-interest expenses	99.4	100.0	87.6	85.8	62.1
Asset impairment		7.4	-0.4	-0.2	-1.9
Pre-tax income	104.5	18.0	36.7	14.8	3.0
Income taxes	17.6	2.7	4.1	-2.4	-1.4
Tax rate	16.8%	15.0%	11.3%
Net income	87.0	15.3	32.6	17.2	4.4
Net margin	610.7%	183.2%	1010.6%	14.8%	5.6%

Basic EPS	$1.70	$0.29	$0.68	$0.47	$0.15
Diluted EPS	$1.67	$0.29	$0.67	$0.46	$0.14

Shares outstanding (basic)	51.3	52.1	47.7	36.4	30.1
Shares outstanding (diluted)	52.0	52.5	48.6	37.5	31.0

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