| 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 | 347.7 | 270.8 | 207.8 | 147.3 | 99.6 | 55.1 | 33.3 | 19.9 |
| Interest income on investments | 12.5 | 15.0 | 15.3 | 8.7 | 1.4 | 1.1 | 0.8 | 0.5 |
| | 361.2 | 288.4 | 228.0 | 162.6 | 103.5 | 57.3 | 34.5 | 20.6 |
| Interest expense: |
| Interest on deposits | 59.7 | 89.7 | 87.9 | 54.5 | 24.2 | 13.7 | 7.4 | 4.7 |
| | 64.4 | 93.7 | 87.9 | 54.6 | 25.4 | 14.6 | 8.9 | 5.9 |
| Net interest income | 296.8 | 194.7 | 140.1 | 108.0 | 78.0 | 42.6 | 25.6 | 14.7 |
| Provision for loan losses | 15.2 | 40.7 | 15.2 | 5.6 | 9.5 | 12.5 | 3.8 | 2.8 |
| Net interest income after provision for loan losses | 281.6 | 154.1 | 124.9 | 102.5 | 68.5 | 30.1 | 21.8 | 11.9 |
| Gain on sale of investments, net | | | | | | 0.0 | | |
| Other non-interest income | 160.2 | 86.0 | 63.5 | 96.3 | 172.9 | 93.5 | 84.3 | 60.0 |
| Total non-interest income | 160.2 | 86.0 | 63.5 | 96.3 | 172.9 | 93.5 | 84.3 | 60.0 |
| Non-interest expenses | 231.0 | 192.7 | 164.9 | 152.7 | 143.2 | 106.4 | 71.7 | 54.5 |
| Equity in earnings | -1.7 | -14.7 | -7.9 | -0.4 | -0.5 | | 0.0 | -2.2 |
| Asset impairment | | | | 2.7 | 3.6 | | | |
| Pre-tax income | 210.8 | 47.4 | 23.5 | 46.0 | 98.3 | 17.2 | 34.4 | 17.4 |
| Income taxes | 43.8 | -12.2 | 5.4 | -5.4 | -2.2 | 3.4 | 13.8 | 7.4 |
| Tax rate | 20.8% | | 23.1% | | | 20.0% | 40.1% | 42.4% |
| Minority interest | | | | | | 0.0 | 0.0 | |
| Net income | 167.0 | 59.5 | 18.0 | 51.4 | 100.5 | 13.8 | 20.6 | 10.0 |
| Net margin | 37.8% | 24.8% | 9.6% | 25.9% | 41.6% | 11.1% | 19.4% | 14.0% |
| |
| Basic EPS | $3.87 | $1.46 | $0.45 | $1.28 | $2.75 | $0.40 | $0.66 | $0.42 |
| Diluted EPS | $3.71 | $1.43 | $0.44 | $1.24 | $2.65 | $0.39 | $0.65 | $0.41 |
| |
| Shares outstanding (basic) | 43.2 | 40.7 | 40.2 | 40.1 | 36.6 | 34.2 | 31.1 | 24.0 |
| Shares outstanding (diluted) | 45.1 | 41.8 | 41.1 | 41.4 | 37.9 | 35.1 | 32.0 | 24.4 |
| |
| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |