Overview Financials News + Filings Key Docs Charts Ownership Insiders
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| In millions, except per share items | Dec-31-21 | Dec-31-20 | Dec-31-19 | Dec-31-18 | Dec-31-17 | Dec-31-16 |
| | 10-K | 10-K | 10-K | 10-K | 10-K | S-1/A |
| Interest income: |
| Interest income on loans | 135.8 | 137.8 | 142.2 | 105.4 | 81.1 | 67.2 |
| Interest income on investments | 4.2 | 5.6 | 6.8 | 6.5 | 5.3 | |
| | 143.9 | 148.6 | 154.8 | 115.7 | 90.3 | 74.8 |
| Interest on deposits | 8.7 | 22.8 | 37.1 | 20.6 | 11.0 | 8.7 |
| Total interest expense | 12.5 | 28.5 | 45.7 | 26.8 | 15.9 | 13.8 |
| Net interest income | 131.4 | 120.1 | 109.1 | 88.9 | 74.3 | 88.5 |
| Provision for loan losses | -7.3 | 34.8 | 4.7 | 3.8 | 2.4 | 4.2 |
| Net interest income after provision for loan losses | 138.6 | 85.3 | 104.3 | 85.1 | 71.9 | 84.3 |
| Total non-interest income | 100.7 | 138.7 | 60.1 | 49.2 | 54.5 | 67.1 |
| Non-interest expenses | 158.9 | 165.9 | 141.7 | 120.1 | 109.4 | 114.7 |
| Pre-tax income before non-recurring items | 80.7 | 60.5 | 23.8 | 19.3 | 17.1 | 9.1 |
| Non-recurring items | 0.2 | 2.5 | 1.2 | 5.1 | | -0.1 |
| Pre-tax income | 80.5 | 58.0 | 22.7 | 14.2 | 17.1 | 9.2 |
| Income taxes | 21.9 | 13.2 | 4.4 | 2.8 | 6.7 | 3.3 |
| Tax rate | 27.3% | 22.8% | 19.4% | 19.8% | 39.1% | 35.7% |
| Net income | 58.5 | 44.8 | 18.3 | 11.4 | 10.4 | 5.9 |
| Net margin | 24.5% | 20.0% | 11.1% | 8.5% | 8.2% | 3.9% |
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| Basic EPS | $1.15 | $0.82 | $0.33 | $0.20 | $0.19 | |
| Diluted EPS | $1.14 | $0.82 | $0.33 | $0.20 | $0.19 | |
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| Shares outstanding (basic) | 50.7 | 54.3 | 55.7 | 56.7 | 56.1 | |
| Shares outstanding (diluted) | 51.5 | 54.3 | 55.7 | 56.7 | 56.1 | |
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| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |
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