NSTS Bancorp, Inc. [Rocket]

In millions, except per share items	Dec-31-21	Dec-31-20	Dec-31-19
	10-K	10-K	S-1/A
Interest income:
Interest income on loans	3.6	4.1	4,384.9
Interest income on investments	1.4	1.4	1,602.5
Interest income on repurchase agreements	0.0	0.1
	5.0	6.0	7,011.6
Interest on deposits	0.9	1.5
Total interest expense	0.9	1.5
Net interest income	4.1	4.5	5,285.7
Provision for loan losses	0.0	0.5	96.9
Net interest income after provision for loan losses	4.1	4.1	5,188.8
Total non-interest income	1.2	1.6	867.2
Non-interest expenses	5.6	6.3	5,727.9
Pre-tax income before non-recurring items	-0.3	-0.6	-284.7
Non-recurring items			-284.7
Pre-tax income	-0.3	-0.6	0.0
Income taxes	-0.2	-0.5	-85.7
Tax rate	79.6%	81.8%
Net income	-0.1	-0.1	0.0
Net margin	-1.0%	-2.0%	0.0%



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