Community First Bancshares, Inc. (CFBI) [Rocket]

In millions, except per share items	Dec-31-19	Sep-30-18	Sep-30-17	Sep-30-16
	10-K	10-K	10-K	10-K
Interest income:
Interest income on loans	14.0	13.3	11.9	10.9
Interest income on investments	0.4	0.6	0.2	0.1
	15.0	14.3	12.4	11.2
Interest on deposits	2.3	1.4	1.1	1.4
Total interest expense	2.3	1.6	1.1	1.4
Net interest income	12.7	12.7	11.3	9.8
Deposit and loan fees	0.9	0.7		0.7
Other non-interest income	0.7	1.2	1.3	0.5
Total non-interest income	1.6	1.9	1.3	1.2
Non-interest expenses	14.0	12.5	10.5	9.2
Pre-tax income	0.3	1.7	2.1	1.9
Income taxes	0.0	1.2	0.7	0.7
Tax rate		72.9%	34.1%	37.6%
Net income	0.4	0.4	1.4	1.2
Net margin	2.5%	3.1%	10.8%	10.5%

Basic EPS	$0.05	$0.06	$0.08
Diluted EPS	$0.05	$0.06	$0.08

Shares outstanding (basic)	7.5	7.5	17.1
Shares outstanding (diluted)	7.5	7.5	17.1

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