Dime Community Bancshares, Inc. (BDGE) [Rocket]

In millions, except per share items	Dec-31-22	Dec-31-21	Dec-31-20	Dec-31-19	Dec-31-18	Dec-31-17	Dec-31-16	Dec-31-15
	8-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K
Interest income:
Interest income on loans		359.0	216.6	218.2	144.4	126.4	116.7	88.8
Interest income on investments		22.6	14.2	14.5	3.6	5.0	5.1	4.8
	439.2	384.6	234.0	238.3	169.0	149.8	137.7	106.2
Interest expense:
Interest on deposits		16.5	33.0	62.1
Interest on borrowings	19.1
	19.1	62.5	117.9	187.0	32.2	22.7	16.8	10.1
Net interest income	379.9	357.6	177.7	147.4	136.8	127.2	120.9	96.1
Provision for loan losses		6.2	26.2	17.3	1.8	14.1	5.6	4.0
Net interest income after provision for loan losses	379.9	351.4	151.5	130.1	135.0	113.1	115.3	92.1
Deposit and loan fees								7.1
Gain on sale of investments, net		2.9	8.9	0.9				0.0
Other non-interest income	38.2	39.2	12.4	11.3	11.6	18.1	16.0	5.6
Total non-interest income	38.2	42.1	21.3	12.2	11.6	18.1	16.0	12.7
Non-interest expenses	200.7	245.3	117.8	95.4	98.2	91.7	77.1	72.9
Pre-tax income before non-recurring items	211.9	194.9	74.2	46.9	48.4	39.5	54.3	41.7
Non-recurring items		46.7	19.3					9.8
Pre-tax income	211.9	148.2	55.0	46.9	48.4	39.5	54.3	31.9
Income taxes	59.4	44.2	12.7	10.7	9.1	18.9	18.8	10.8
Tax rate	28.0%	29.8%	23.0%	22.8%	18.9%	48.0%	34.6%	33.8%
Net income	145.3	96.7	37.5	36.2	39.2	20.5	35.5	21.1
Net margin	34.8%	24.6%	21.7%	25.4%	26.8%	15.7%	27.0%	20.1%

Basic EPS	$3.73	$2.49	$1.74	$1.57	$2.02	$1.06	$2,051.03	$1,458.24
Diluted EPS	$3.73	$2.49	$1.74	$1.56	$2.01	$1.06	$2.05	$1.46

Shares outstanding (basic)	38.9	38.9	21.5	23.1	19.4	19.4	0.0	0.0
Shares outstanding (diluted)	38.9	38.9	21.5	23.2	19.5	19.4	17.3	14.5

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