| 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 on loans | 82.1 | 61.9 | 45.4 | 36.5 | 30.8 | 27.6 |
| Total interest income | 83.1 | 63.0 | 48.6 | 38.7 | 32.1 | 28.5 |
| Interest expense: |
| Interest on deposits | 2.3 | 4.3 | 5.8 | 3.1 | 2.1 | 2.1 |
| Interest on borrowings | | | | | | 0.4 |
| | 3.6 | 5.7 | 6.6 | 3.9 | 2.9 | 2.5 |
| Net interest income | 79.4 | 57.4 | 42.0 | 34.8 | 29.2 | 25.9 |
| Provision for loan losses | 9.9 | 8.3 | 2.5 | 1.8 | 0.9 | 1.9 |
| Net interest income after provision for loan losses | 69.5 | 49.1 | 39.5 | 33.0 | 28.4 | 24.0 |
| Gain on sale of investments, net | | | | | | 0.2 |
| Other non-interest income | 28.1 | 8.2 | 8.3 | 5.5 | 4.2 | 4.8 |
| Total non-interest income | 28.1 | 8.2 | 8.3 | 5.5 | 4.2 | 5.0 |
| Non-interest expenses | 63.3 | 38.1 | 31.1 | 26.2 | 22.4 | 21.5 |
| Pre-tax income before non-recurring items | 36.9 | 19.1 | 16.7 | 12.2 | 10.1 | 7.5 |
| Non-recurring items | 2.5 | | | | | |
| Pre-tax income | 34.4 | 19.1 | 16.7 | 12.2 | 10.1 | 7.5 |
| Income taxes | 7.4 | 4.0 | 3.5 | 2.5 | 4.7 | 2.5 |
| Tax rate | 21.4% | 20.9% | 20.8% | 20.8% | 46.1% | 32.9% |
| Net income | 27.0 | 15.1 | 13.2 | 9.7 | 5.4 | 5.0 |
| Net margin | 27.7% | 26.5% | 27.7% | 25.2% | 16.7% | 17.3% |
| |
| Basic EPS | $2.25 | $1.27 | $1.11 | $0.93 | $0.59 | $0.54 |
| Diluted EPS | $2.16 | $1.24 | $1.08 | $0.91 | $0.59 | $0.54 |
| |
| Shares outstanding (basic) | 12.0 | 11.9 | 11.9 | 10.4 | 9.2 | 9.2 |
| Shares outstanding (diluted) | 12.5 | 12.2 | 12.2 | 10.6 | 9.2 | 9.2 |
| |
| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |