Investors Bancorp, Inc. (ISBC) [Rocket]

In millions, except per share items	Dec-31-21	Sep-30-21	Jun-30-21	Mar-31-21	Dec-31-20	Sep-30-20	Jun-30-20	Mar-31-20
	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q
Interest income:
Interest income on loans	214.7	211.2	211.5	198.8	213.9	215.2	217.7	224.5
Interest income on investments	3.4	3.6	3.5	3.5	3.6	3.3	3.3	3.4
	235.0	231.2	231.9	220.5	237.9	240.7	246.2	256.1
Interest expense:
Interest on deposits	15.0	15.7	16.0	21.2	29.3	34.1	39.0	53.2
	136.0	36.6	37.1	39.8	253.8	59.1	64.2	82.8
Net interest income	201.0	194.6	194.7	180.7	188.8	181.6	182.0	173.3
Provision for loan losses	-23.0	-13.0	-9.7	-3.0	-2.7	8.3	33.3	31.2
Net interest income after provision for loan losses	224.0	207.6	204.4	183.7	191.5	173.3	148.7	142.1
Other non-interest income	15.4	32.8	13.1	20.0	45.8	19.9	20.3	14.7
Total non-interest income	15.4	32.8	13.1	20.0	45.8	19.9	20.3	14.7
Non-interest expenses	110.9	132.0	108.4	104.4	142.9	104.1	100.0	102.6
Pre-tax income	128.5	91.5	109.0	99.3	94.4	89.2	58.8	54.2
Income taxes	34.2	24.6	29.2	27.1	19.3	24.8	16.2	14.6
Tax rate	26.6%	26.9%	26.8%	27.3%	20.4%	27.9%	27.6%	27.0%
Net income	94.3	66.9	79.8	72.3	75.1	64.3	42.6	39.5
Net margin	39.4%	27.8%	36.7%	35.5%	31.7%	33.3%	25.2%	25.2%

Basic EPS	$0.40	$0.28	$0.34	$0.31	$0.32	$0.27	$0.18	$0.17
Diluted EPS	$0.40	$0.28	$0.34	$0.31	$0.32	$0.27	$0.18	$0.17

Shares outstanding (basic)	235.3	235.6	235.0	234.7	235.8	236.8	236.2	233.3
Shares outstanding (diluted)	236.4	236.4	236.5	235.4	235.8	236.9	236.4	233.6

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