Coastway Bancorp, Inc. (CWAY) [Rocket]

In millions, except per share items	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	S-1/A
Interest income on loans	23.5	20.9	17.6	15.5	13.9	13.2	13.7
Total interest income	24.2	21.2	17.8	15.6	14.0	13.2	13.7
Interest expense:
Interest on deposits	3.0	2.1	2.0	2.3	2.5	2.5	2.5
Interest on borrowings					28.0	0.1	0.2
	4.5	2.8	2.2	2.4	2.6	2.5	2.7
Net interest income	19.7	18.4	15.6	13.2	11.3	15.7	11.0
Provision for loan losses	0.4	0.5	0.5	0.4	0.6	1.1	1.2
Net interest income after provision for loan losses	19.3	18.0	15.1	12.8	10.8	14.6	9.9
Total non-interest income	7.5	7.9	6.6	5.9	6.2	7.2	6.0
Non-interest expenses	21.7	20.1	18.9	20.2	16.5	14.6	14.2
Asset impairment			0.6	1.1	0.5
Pre-tax income	5.1	5.8	2.8	-1.5	0.4	2.0	1.7
Income taxes	2.5	2.3	1.2	-0.5	0.2	0.8	0.7
Tax rate	48.9%	39.5%	41.5%	35.5%	45.7%	42.1%	41.1%
Net income	2.6	3.5	1.6	-1.0	0.2	1.1	1.0
Net margin	9.7%	13.5%	7.5%	-5.2%	1.3%	4.4%	6.4%

Basic EPS	$0.65	$0.82	$0.36
Diluted EPS	$0.64	$0.82	$0.36

Shares outstanding (basic)	4.0	4.2	4.5
Shares outstanding (diluted)	4.0	4.2	4.5

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