Oneida Financial Corp. (ONFC) [Rocket]

In millions, except per share items	Dec-31-14	Dec-31-13	Dec-31-12	Dec-31-11	Dec-31-10	Dec-31-09	Dec-31-08
	10-K	10-K	10-K	10-K	10-K	10-K	10-K
Interest income:
Interest income on loans	14.9	15.1	15.1	15.6	16.8	17.8	18,535.3
Interest income on investments	1.8	1.7	1.7	1.8	1.3	1.0	3,377.1
Interest income on repurchase agreements	0.0	0.0	0.0	0.0	0.0	0.0
	22.6	22.4	22.8	23.8	23.8	25.0	26,734.0
Interest expense:
Interest on deposits						4,222.0	6,623.4
Interest on borrowings						1,696.9	2,565.6
	2.6	2.6	3.2	4.0	5.7	7.6	11,081.3
Net interest income	19.9	19.8	19.6	19.8	18.1	17.4	15,652.7
Provision for loan losses	0.5	0.5	0.7	1.1	1.7	0.8	525.0
Net interest income after provision for loan losses	19.4	19.3	18.9	18.7	16.4	16.7	15,127.7
Deposit and loan fees	2.8	2.8	2.6	2.6	2.6
Gain on sale of investments, net	2.5	0.5	0.8	-0.6	-3.9	-1.5
Other non-interest income	34.4	31.1	49.9	22.7	24.2
Total non-interest income	39.7	34.4	53.3	24.7	22.9	20.9	18,318.3
Non-interest expenses	46.2	42.4	37.1	35.7	33.6	32.2
Pre-tax income	6.6	8.5	7.9	7.9	4.9	5.6	-3,831.4
Income taxes	1.5	2.5	2.1	2.0	0.9	1.2	-2,222.8
Tax rate	22.2%	28.8%	26.7%	24.8%	18.5%	21.7%	58.0%
Minority interest				0.2	0.3	0.3	68.5
Net income	1.8	2.7	2.4	2.4	0.8	4.1	-1,608.6
Net margin	3.0%	5.0%	3.4%	5.5%	2.0%	11.0%	-4.8%

Basic EPS	$0.26	$0.39	$0.36	$0.34	$0.11	$0.58	($0.24)
Diluted EPS	$0.26	$0.39	$0.36	$0.34	$0.11	$0.58	($0.24)

Shares outstanding (basic)	6.9	6.8	6.8	7.0	7.1	7.1	6,702.5
Shares outstanding (diluted)	7.0	6.9	6.8	7.0	7.1	7.1	6,702.5

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