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In millions, except per share items | Mar-31-18 | Mar-31-17 | Mar-31-16 | Mar-31-15 | Mar-31-14 | Mar-31-13 | Mar-31-12 | Mar-31-11 |
| 10-K | 10-K | 10-K | 10-K | 10-K | 10-K/A | 10-K | S-1/A |
Interest income: |
Interest income on loans | 16.1 | 14.8 | 9.6 | 7.3 | 8.1 | 9.0 | 10.0 | 10.6 |
Interest income on investments | 0.6 | 0.6 | | 1,459.3 | 1,613.6 | 1,451.2 | 1,846.6 | 1.1 |
| 18.1 | 16.8 | 11.3 | 9.4 | 10.2 | 10.9 | 12.5 | 11.7 |
Interest expense: |
Interest on deposits | 2.8 | 2.6 | 1.7 | 1.7 | 1.9 | 2.8 | 3.9 | 5.3 |
Interest on borrowings | | | | 4.2 | | | | |
| 3.6 | 2.9 | 1.8 | 1.7 | 1.9 | 2.8 | 3.9 | 5.3 |
Net interest income | 14.5 | 13.9 | 9.5 | 7.7 | 8.3 | 8.1 | 8.6 | 17.0 |
Provision for loan losses | 1.6 | 3.4 | 0.4 | 0.2 | 1.9 | 1.7 | 2.7 | 0.6 |
Net interest income after provision for loan losses | 12.9 | 10.5 | 9.0 | 7.6 | 6.4 | 6.4 | 5.9 | 16.4 |
Deposit and loan fees | 0.5 | 0.4 | 0.4 | 0.4 | 0.4 | 0.2 | 0.2 | 0.2 |
Gain on sale of investments, net | | | | 0.3 | 0.2 | 0.2 | 0.4 | |
Other non-interest income | 1.5 | 0.6 | 1.2 | 0.4 | 0.5 | 0.5 | 0.4 | 0.8 |
Total non-interest income | 2.0 | 1.1 | 1.6 | 1.1 | 1.1 | 0.9 | 0.9 | 1.0 |
Non-interest expenses | 12.9 | 13.2 | 10.3 | 9.3 | 9.7 | 7.8 | 6.8 | 6.2 |
Pre-tax income before non-recurring items | 2.5 | -1.4 | 0.5 | -0.4 | -1.7 | -0.4 | 0.0 | 1.6 |
Non-recurring items | 0.5 | 0.3 | 0.2 | 0.3 | 0.5 | 0.1 | | |
Pre-tax income | 2.0 | -1.7 | 0.3 | -0.7 | -2.2 | -0.5 | 0.0 | 1.6 |
Income taxes | 8.1 | -0.8 | 0.4 | -0.3 | -1.0 | -0.3 | -0.1 | 0.5 |
Tax rate | 402.0% | 44.9% | 128.1% | 51.8% | 45.3% | 64.1% | | 31.5% |
Net income | -6.0 | -0.9 | -0.1 | -0.3 | -1.2 | -0.2 | 0.1 | 1.1 |
Net margin | -40.6% | -8.0% | -0.9% | -3.6% | -15.9% | -2.4% | 1.9% | 6.4% |
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Basic EPS | ($1.90) | ($0.29) | ($0.03) | ($0.10) | ($0.35) | ($0.05) | | |
Diluted EPS | ($1.90) | ($0.29) | ($0.03) | ($0.10) | ($0.35) | ($0.05) | | |
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Shares outstanding (basic) | 3.2 | 3.2 | 3.2 | 3.2 | 3.4 | 3.4 | | |
Shares outstanding (diluted) | 3.2 | 3.2 | 3.2 | 3.2 | 3.4 | 3.4 | | |
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EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |
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