NB Bancorp, Inc. [Rocket]

In millions, except per share items	Dec-31-22	Dec-31-21
	S-1/A	S-1/A
Interest income on loans	113.8	85.9
Total interest income	113.8	85.9
Interest on deposits	12.7	10.6
Total interest expense	12.7	10.6
Net interest income	105.0	78.0
Provision for loan losses	6.7	2.1
Net interest income after provision for loan losses	98.3	76.0
Total non-interest income	0.6	1.9
Pre-tax income	36.4	27.6
Income taxes	6.3	6.1
Tax rate	17.4%	21.9%
Net income	30.1	21.6
Net margin	30.4%	27.7%



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