| Dec 31, 2018 | Dec 31, 2019 | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2022 |
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Loans, including fees | 77 | 86 | 77 | 79 | 95 |
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Tax-exempt investment securities | 0 | 0 | 0 | 0 | 0 |
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Taxable investment securities | 4 | 4 | 2 | 1 | 3 |
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Other interest-earning assets | 3 | 3 | 1 | 1 | 4 |
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Total interest income | 84 | 93 | 80 | 81 | 102 |
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Deposits | 17 | 23 | 13 | 4 | 12 |
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Other borrowings | 1 | 0 | 1 | 0 | 0 |
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Total interest expense | 18 | 24 | 14 | 4 | 12 |
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Net interest income | 66 | 69 | 66 | 77 | 90 |
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Provision (reversal) for loan losses | - | - | - | - | 4 |
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Net interest income after provision (reversal) for loan losses | 65 | 65 | 53 | 82 | 86 |
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Deposit Account | 2 | 2 | 1 | 1 | 1 |
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Service charges and fees on deposits | 84 | 93 | 80 | 81 | 102 |
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Servicing Fees, Net1 | 2 | 2 | 3 | 3 | 3 |
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Bank-owned life insurance income | - | - | - | 0 | 1 |
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Gain on sale of loans | 6 | 6 | 7 | 13 | 8 |
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Other income | 1 | 1 | 1 | 1 | 2 |
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Total noninterest income | 10 | 12 | 12 | 18 | 14 |
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Labor and Related Expense | 24 | 26 | 26 | 28 | 33 |
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Occupancy, Net | 5 | 6 | 6 | 6 | 6 |
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Professional fees | 2 | 3 | 2 | 2 | 2 |
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Marketing and business promotion | 2 | 2 | 1 | 2 | 2 |
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Data processing | 1 | 1 | 1 | 2 | 2 |
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Director fees and expenses | 1 | 1 | 1 | 1 | 1 |
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Regulatory assessments | - | - | 1 | 1 | 1 |
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Other expenses | 4 | 4 | 3 | 3 | 4 |
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Total noninterest expense | 40 | 42 | 42 | 43 | 51 |
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Income before income taxes | 35 | 34 | 23 | 57 | 49 |
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Income tax expense | 10 | 10 | 7 | 17 | 14 |
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Net income | 24 | 24 | 16 | 40 | 35 |
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Earnings Per Share, Basic | 1.69 | 1.52 | 1.05 | 2.66 | 2.35 |
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Earnings Per Share, Diluted | 1.65 | 1.49 | 1.04 | 2.62 | 2.31 |
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