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Income Statement
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Cash Flow Statement

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Op Efficiency
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PREMIER FINANCIAL CORP (FDEF)

Income Statement

Standardized | As Reported Annual | Quarterly | TTM
  Older >>
In millions, except per share itemsDec-31-22Dec-31-21Dec-31-20Dec-31-19Dec-31-18Dec-31-17Dec-31-16Dec-31-15
   10-K10-K10-K10-K10-K/A10-K10-K10-K
    Interest income:  
        Interest income on investments  26.119.411.58.28.16.96.26.8
       277.7243.6237.9141.1124.7108.187.480.8
    Interest expense:  
        Interest on deposits  24.913.526.922.613.98.86.35.3
        Interest on borrowings  6.60.01.71.41.31.51.30.7
       34.816.229.925.446.811.48.46.8
Net interest income  312.5259.8267.9166.5108.396.778.974.1
Provision for loan losses      1.22.90.30.1
Net interest income after provision for loan losses  312.5259.8267.9166.5107.193.778.773.9
        Deposit and loan fees         10.8
        Gain on sale of investments, net        0.50.0
        Other non-interest income  62.279.379.845.039.240.133.521.0
Total non-interest income  62.279.379.845.039.240.134.031.8
Non-interest expenses  164.5157.3164.397.189.385.471.167.9
Pre-tax income before non-recurring items  133.9163.784.464.360.252.144.541.2
Non-recurring items  7.67.35.13.73.33.62.93.4
Pre-tax income  126.3156.479.360.656.948.541.637.8
Income taxes  24.130.416.211.310.616.212.811.4
            Tax rate  19.1%19.4%20.4%18.6%18.7%33.4%30.7%30.2%
Net income  102.2126.163.149.446.232.328.826.4
            Net margin  16.0%21.8%10.7%13.9%31.6%24.1%25.6%25.0%
   
Basic EPS  $2.86$3.40$1.76$2.49$2.27$1.62$1.61$2.87
Diluted EPS  $2.86$3.40$1.76$2.49$2.27$1.62$1.61$2.87
   
Shares outstanding (basic)  35.737.135.919.820.319.917.99.2
Shares outstanding (diluted)  35.737.135.919.820.319.917.99.2
   
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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