Richmond Mutual Bancorporation, Inc. (RMBI) [Rocket]

In millions, except per share items	Dec-31-22	Dec-31-21	Dec-31-20	Dec-31-19	Dec-31-18	Dec-31-17
	10-K	10-K	10-K	10-K	10-K	S-1/A
Interest income:
Interest income on loans	44.6	40.6	38.5	37.1	32.1	25,523.5
Interest income on investments	7.1	5.3	4.4	3.8	3.5
	51.9	45.9	42.3	41.6	35.2	29,104.4
Interest expense:
Interest on deposits	7.1	4.9	6.4	8.0	5.6
Interest on borrowings						1,453.9
	10.2	7.7	9.4	11.2	7.8	5,250.0
Net interest income	41.6	38.2	32.9	30.4	27.4	23,854.4
Provision for loan losses					1.7
Net interest income after provision for loan losses	41.6	38.2	32.9	30.4	25.8	23,854.4
Deposit and loan fees	1.0	0.9	0.7	1.1	1.1	1,111.0
Income on real estate owned					0.0	482.4
Other non-interest income	3.8	4.5	6.6	2.8	3.2	615.4
Total non-interest income	4.9	5.4	7.3	3.9	4.3	2,208.8
Non-interest expenses	30.2	28.6	24.0	51.0	23.1
Pre-tax income	15.7	13.6	12.5	-19.4	7.0	5,687.5
Income taxes	2.8	7.3	2.5	-5.3	1.3	2,972.2
Tax rate	17.7%	53.8%	19.8%	27.3%	18.4%	52.3%
Net income	13.0	11.1	10.0	-14.1	5.7	2,715.3
Net margin	27.9%	25.5%	24.9%	-41.1%	18.9%	10.4%

Basic EPS	$1.17	$0.96	$0.82	($1.27)
Diluted EPS	$1.08	$0.88	$0.75	($1.27)

Shares outstanding (basic)	11.1	11.6	12.3	11.1
Shares outstanding (diluted)	12.0	12.7	13.4	11.1

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