CITY HOLDING CO (CHCO) [Rocket]

In millions, except per share items	Jun-30-23	Mar-31-23	Sep-30-22	Jun-30-22	Mar-31-22	Sep-30-21	Jun-30-21	Mar-31-21
	10-Q	10-Q	10-Q	10-Q	10-Q	10-Q	10-Q	10-Q
Interest income:
Interest income on loans	52.4	47.0	38.5	33.2	31.9	34.0	33.1	34.3
Interest income on investments	12.7	12.9	10.8	8.8	7.4	7.4	7.2	6.5
	67.7	61.5	50.8	42.7	39.6	41.6	40.5	40.9
Interest expense:
Interest on deposits	8.6	5.7	1.6	1.3	1.5	2.0	2.5	3.3
	12.2	8.1	2.0	1.5	1.6	2.1	2.6	3.4
Net interest income	55.5	53.5	48.8	41.3	37.9	39.5	37.9	37.5
Net interest income after provision for loan losses	55.5	53.5	48.8	41.3	37.9	39.5	37.9	37.5
Other non-interest income	20.3	18.7	18.2	17.8	17.4	17.9	17.4	16.6
Total non-interest income	20.3	18.7	18.2	17.8	17.4	17.9	17.4	16.6
Non-interest expenses	34.8	38.6	31.5	30.7	29.5	29.2	29.6	29.8
Pre-tax income before non-recurring items	40.6	36.2	34.8	28.5	26.6	29.0	27.8	24.8
Non-recurring items		5.6
Pre-tax income	40.6	30.6	34.8	28.5	26.6	29.0	27.8	24.8
Income taxes	7.9	6.3	7.4	5.8	5.3	6.3	5.6	5.0
Tax rate	19.4%	20.5%	21.3%	20.3%	19.7%	21.6%	20.3%	20.1%
Net income	32.7	24.3	27.4	22.7	21.3	22.7	22.1	19.8
Net margin	43.2%	33.7%	40.8%	38.4%	38.5%	39.6%	40.0%	36.6%

Basic EPS	$2.18	$1.64	$1.85	$1.52	$1.43	$1.49	$1.42	$1.27
Diluted EPS	$2.18	$1.64	$1.85	$1.52	$1.42	$1.49	$1.42	$1.26

Shares outstanding (basic)	15.0	14.8	14.8	14.9	15.0	15.3	15.6	15.7
Shares outstanding (diluted)	15.0	14.8	14.8	14.9	15.0	15.3	15.6	15.7

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