Investors Bancorp, Inc. (ISBC) [Rocket]

In millions, except per share items	Dec-31-21	Dec-31-20	Dec-31-19	Dec-31-18	Dec-31-17	Dec-31-16	Dec-31-15	Dec-31-14
	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K
Interest income:
Interest income on loans	836.2	871.4	912.1	854.6	783.9	715.9	663.4	798.5
Interest income on investments	14.0	13.5	11.5	13.1	10.8	7.7	5.9
	918.6	980.9	1,040.2	968.4	881.7	793.5	731.7	660.9
Interest expense:
Interest on deposits	67.9	155.6	261.9	188.6	113.5	82.1	71.4	59.2
	995.5	1,155.9	1,032.1	765.4	517.4	153.3	136.6	313.9
Net interest income	771.0	725.7	655.1	680.0	679.8	640.2	595.1	974.7
Provision for loan losses	-48.7	70.2	-1.0	12.0	16.3	19.8	26.0	37.5
Net interest income after provision for loan losses	819.7	655.5	656.1	668.0	663.5	620.4	569.1	937.2
Deposit and loan fees					20.3	17.1
Gain on sale of investments, net							1.0	2.2
Other non-interest income	64.5	90.5	111.2	50.8	15.3	20.1	39.1	39.7
Total non-interest income	64.5	90.5	111.2	50.8	35.6	37.2	40.1	41.9
Non-interest expenses	455.7	449.5	422.8	407.7	418.6	358.6	328.3	339.9
Pre-tax income	428.4	296.5	286.7	270.4	280.6	299.1	280.9	206.5
Income taxes	115.1	75.0	91.2	67.8	153.8	106.9	99.4	74.8
Tax rate	26.9%	25.3%	31.8%	25.1%	54.8%	35.8%	35.4%	36.2%
Net income	313.3	221.6	195.5	202.6	126.7	192.1	181.5	131.7
Net margin	35.4%	29.7%	25.5%	28.2%	18.1%	29.2%	29.8%	13.5%

Basic EPS	$1.33	$0.94	$0.75	$0.72	$0.44	$0.65	$0.55	$0.38
Diluted EPS	$1.33	$0.94	$0.74	$0.72	$0.43	$0.64	$0.55	$0.38

Shares outstanding (basic)	235.3	235.8	262.2	281.9	290.2	297.6	329.8	344.4
Shares outstanding (diluted)	236.4	235.8	262.5	282.8	292.0	301.0	332.9	347.7

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