Amerant Bancorp Inc. (AMTB) [Rocket]

In millions, except per share items	Dec-31-22	Sep-30-22	Jun-30-22	Mar-31-22	Dec-31-21	Sep-30-21	Jun-30-21	Mar-31-21
	8-K	8-K	10-Q	10-Q	10-K	8-K	10-Q	10-Q
Interest income:
Interest income on loans			61.5	56.3			53.6	52.8
Interest income on investments			9.1	8.6			7.5	7.5
			71.2	65.1			61.2	60.3
Interest on borrowings			3.3	2.5			2.3	2.8
Total interest expense			12.2	9.5			11.2	12.8
Net interest income	82.2	69.9	58.9	55.6	55.8	51.8	50.0	47.6
Provision for loan losses				-10.0	-16.5		-5.0
Net interest income after provision for loan losses	82.2	69.9	58.9	65.6	72.3	51.8	55.0	47.6
Other non-interest income	24.4	16.0	12.9	14.0	77.3	13.4	15.7	14.2
Total non-interest income	24.4	16.0	12.9	14.0	77.3	13.4	15.7	14.2
Non-interest expenses			62.2	60.8			51.1	43.6
Pre-tax income before non-recurring items	18.8	20.9	12.4	22.9	96.6	17.0	19.6	18.1
Non-recurring items			2.8	4.0
Pre-tax income	18.8	20.9	9.6	18.9	96.6	17.0	19.6	18.1
Income taxes	0.0	0.0	2.0	4.0	33.7	0.0	4.4	3.6
Tax rate	0.0%	0.0%	21.1%	21.1%	34.9%	0.0%	22.7%	20.1%
Minority interest			-0.1	-1.1	-2.6		-0.8
Net income	18.8	20.9	7.7	16.0	65.5	17.0	16.0	14.5
Net margin	17.6%	24.4%	10.7%	20.0%	43.8%	26.1%	22.6%	23.4%

Basic EPS	$0.56	$0.62	$0.23	$0.46	$1.76	$0.46	$0.43	$0.38
Diluted EPS	$0.55	$0.62	$0.23	$0.45	$1.74	$0.45	$0.42	$0.38

Shares outstanding (basic)	33.5	33.5	33.7	34.8	37.2	37.1	37.3	37.6
Shares outstanding (diluted)	33.8	33.7	33.9	35.1	37.5	37.5	37.7	37.8

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