MB FINANCIAL INC (MBFI) [Rocket]

In millions, except per share items	Dec-31-18	Dec-31-17	Dec-31-16	Dec-31-15	Dec-31-14	Dec-31-13	Dec-31-12	Dec-31-11
	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K
Interest income:
Interest income on loans		1.8	1,940.7		3,532.2		32.9	324.8
Interest income on investments	738.0	660.4	1,051.0	484.6	849.3	287.6	326.4	58.6
Interest income on repurchase agreements				0.0	0.0	0.0
	749.6	672.4	557.2	494.2	375.1	297.9	335.3	384.6
Interest expense:
Interest on deposits	75.3	40.7	25.6	19.7	17.0	19.2	30.3	44.9
Interest on borrowings						0.6	1.2	0.8
	111.8	70.1	2,458.4	28.6	3,995.3	25.6	42.5	59.3
Net interest income	637.8	602.4	517.9	465.6	350.8	272.3	292.8	325.3
Provision for loan losses	47.2	21.6	19.6	21.4	12.1	-5.8	-8.9	120.8
Net interest income after provision for loan losses	590.6	580.8	498.3	444.2	338.8	278.1	301.7	204.5
Credit and debit card fees	21.7	18.6	16.1	15.3	13.7	11.0	9.4	7.0
Gain on sale of investments, net		0.6	0.4	-0.2	-2.5	0.0	0.6	0.6
Other non-interest income	321.0	350.2	361.6	306.9	210.1	143.4	119.3	115.0
Total non-interest income	342.6	369.4	378.2	322.1	221.3	154.4	129.2	122.7
Non-interest expenses	681.1	661.3	623.1	534.2	436.8	294.6	304.0	283.2
Asset impairment	4.2	8.4	-2.7	8.5	2.3		2.2	1.6
Pre-tax income	252.2	288.8	253.4	232.2	123.3	137.9	126.9	44.0
Income taxes	38.3	-15.2	79.2	73.2	37.2	39.5	36.5	5.3
Tax rate	15.2%		31.3%	31.5%	30.2%	28.6%	28.8%	12.0%
Net income	217.1	296.0	166.1	150.9	82.1	98.5	87.1	28.3
Net margin	23.3%	31.2%	19.0%	19.7%	14.7%	22.8%	20.2%	8.7%

Basic EPS	$2.58	$3.53	$2.16	$2.03	$1.32	$1.81	$1.61	$0.52
Diluted EPS	$2.55	$3.49	$2.13	$2.02	$1.31	$1.79	$1.60	$0.52

Shares outstanding (basic)	84.3	83.8	77.0	74.2	62.0	54.5	54.3	54.3
Shares outstanding (diluted)	85.2	84.8	78.0	74.8	62.6	55.0	54.5	54.3

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