| 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 |
| | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K |
| Interest income on loans | 694.2 | 555.0 | 687.8 | 710.9 | 616.0 | 352.4 | 265.7 | 268.4 |
| Total interest income | 861.7 | 671.1 | 759.7 | 783.1 | 676.8 | 395.0 | 301.0 | 300.9 |
| Interest expense: |
| Interest on deposits | 99.0 | 41.2 | 79.9 | 139.0 | 87.2 | 27.8 | 15.2 | 15.2 |
| | 144.4 | 79.5 | 120.0 | 181.4 | 128.1 | 40.1 | 21.8 | 22.4 |
| Net interest income | 717.3 | 591.5 | 639.7 | 601.8 | 548.7 | 354.9 | 279.2 | 278.6 |
| Provision for loan losses | 14.1 | -32.7 | 75.0 | 43.2 | 38.1 | 26.4 | 20.1 | 9.0 |
| Net interest income after provision for loan losses | 703.2 | 624.2 | 564.8 | 558.5 | 510.5 | 328.5 | 259.1 | 269.6 |
| Deposit and loan fees | | | | | | | | 31.0 |
| Credit and debit card fees | | | | | | | | 26.7 |
| Gain on sale of investments, net | | | | | | | | 0.3 |
| Other non-interest income | 170.1 | 191.8 | 239.8 | 197.9 | 147.8 | 138.8 | 139.4 | 146.2 |
| Total non-interest income | 170.1 | 191.8 | 239.8 | 197.9 | 147.8 | 138.8 | 139.4 | 204.1 |
| Non-interest expenses | 566.7 | 483.6 | 484.7 | 454.0 | 392.2 | 312.4 | 255.1 | 257.0 |
| Pre-tax income before non-recurring items | 383.3 | 409.7 | 389.2 | 403.1 | 321.2 | 238.8 | 194.9 | 153.9 |
| Non-recurring items | 26.6 | 15.9 | 4.5 | 36.4 | 4.8 | 21.9 | 4.8 | 13.8 |
| Pre-tax income | 356.7 | 393.8 | 384.7 | 366.7 | 316.4 | 216.9 | 190.1 | 140.2 |
| Income taxes | 50.1 | 61.3 | 64.9 | 64.3 | 50.4 | 62.0 | 46.6 | 32.9 |
| Tax rate | 14.1% | 15.6% | 16.9% | 17.5% | 15.9% | 28.6% | 24.5% | 23.5% |
| Net income | 256.4 | 271.1 | 254.9 | 237.8 | 215.7 | 92.9 | 96.8 | 74.1 |
| Net margin | 29.4% | 33.2% | 31.7% | 31.4% | 32.8% | 19.9% | 24.3% | 15.6% |
| |
| Basic EPS | $2.07 | $2.47 | $2.32 | $2.42 | $2.34 | $1.34 | $1.58 | $1.32 |
| Diluted EPS | $2.06 | $2.46 | $2.31 | $2.41 | $2.32 | $1.33 | $1.56 | $1.31 |
| |
| Shares outstanding (basic) | 124.0 | 109.6 | 109.9 | 98.4 | 92.3 | 69.4 | 61.3 | 56.2 |
| Shares outstanding (diluted) | 124.5 | 110.2 | 110.2 | 98.8 | 92.8 | 69.9 | 61.9 | 56.4 |
| |
| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |