In millions, except per share items | Jun-30-14 | Jun-30-13 | Jun-30-12 | Jun-30-11 | Jun-30-10 | Jun-30-09 | Jun-30-08 | Jun-30-07 |
| 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K |
Interest income: |
Interest income on loans | 22.7 | 21.6 | 21.8 | 22.3 | 23.5 | 22.7 | 22.1 | 20.6 |
Interest income on investments | 2.7 | 2.7 | 3.0 | | | | | |
| 25.5 | 24.3 | 24.8 | 25.5 | 27.6 | 28.3 | 28.8 | 27.5 |
Interest expense: |
Interest on deposits | 3.0 | 3.7 | 4.2 | 5.6 | 7.1 | 8.7 | 9.9 | 11.1 |
Interest on borrowings | | | | | | 3.7 | 4.4 | 4.4 |
| 3.0 | 3.7 | 4.2 | 5.6 | 7.1 | 12.3 | 14.3 | 15.5 |
Net interest income | 28.5 | 28.0 | 29.0 | 31.1 | 34.7 | 15.9 | 14.5 | 12.1 |
Provision for loan losses | | | | | | 1.4 | 0.7 | 0.1 |
Net interest income after provision for loan losses | 28.5 | 28.0 | 29.0 | 31.1 | 34.7 | 14.5 | 13.8 | 11.9 |
Deposit and loan fees | 2.2 | 2.0 | 1.7 | 1.9 | 1.9 | | | |
Gain on sale of investments, net | | 0.1 | 0.0 | 0.0 | 0.0 | | | |
Other non-interest income | 1.5 | 2.1 | 1.5 | 1.2 | 0.8 | 2.3 | 2.4 | |
Total non-interest income | 3.6 | 4.2 | 3.2 | 3.1 | 2.7 | 2.3 | 2.4 | 2.0 |
Non-interest expenses | 16.4 | 17.6 | 17.1 | 1.9 | 1.8 | 16.3 | 14.1 | 15.6 |
Pre-tax income | 7.1 | 4.8 | 4.8 | 1.9 | -0.9 | 0.5 | 2.2 | -1.7 |
Income taxes | 2.5 | 1.8 | 1.8 | -0.5 | -0.5 | 0.2 | 1.0 | -0.3 |
Tax rate | 36.0% | 37.4% | 37.2% | | 51.4% | 46.0% | 46.5% | 15.5% |
Net income | 4.5 | 3.0 | 3.0 | 1.3 | -0.4 | 0.3 | 1.2 | -1.5 |
Net margin | 14.0% | 9.2% | 9.3% | 3.8% | -0.9% | 1.7% | 7.2% | -10.5% |
|
Basic EPS | $0.85 | $0.55 | $0.52 | $0.21 | ($0.05) | $0.04 | $0.16 | ($0.20) |
Diluted EPS | $0.83 | $0.54 | $0.51 | $0.21 | ($0.05) | $0.04 | $0.16 | ($0.20) |
|
Shares outstanding (basic) | 5.3 | 5.4 | 5.8 | 6.2 | 6.5 | 6.8 | 7.3 | 7.3 |
Shares outstanding (diluted) | 5.4 | 5.5 | 5.9 | 6.4 | 6.5 | 6.9 | 7.3 | 7.3 |
|
EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |