| In millions, except per share items | Dec-31-11 | Dec-31-10 | Dec-31-09 |
| | 10-K | 10-K | 10-K |
| Interest income: |
| Interest income on loans | 18.9 | 21.3 | 22.8 |
| Interest income on investments | 3.0 | 3.6 | 4.0 |
| | 22.0 | 25.1 | 26.9 |
| Interest expense: |
| Interest on deposits | 4.6 | 6.4 | 7.8 |
| Interest on borrowings | 1.7 | 1.8 | 2.1 |
| | 6.5 | 8.8 | 10.5 |
| Net interest income | 28.5 | 33.8 | 37.4 |
| Provision for loan losses | 4.8 | 4.8 | 8.5 |
| Net interest income after provision for loan losses | 23.8 | 29.1 | 28.9 |
| Deposit and loan fees | 1.0 | 1.2 | 1.2 |
| Gain on sale of investments, net | -0.1 | 0.6 | 0.1 |
| Other non-interest income | 7.5 | 8.7 | 6.9 |
| Total non-interest income | 8.4 | 10.5 | 8.2 |
| Non-interest expenses | 19.9 | 18.2 | 19.0 |
| Pre-tax income | -2.1 | 0.9 | -4.4 |
| Income taxes | 1.9 | 0.1 | -1.9 |
| Tax rate | | 15.4% | 43.5% |
| Net income | -4.6 | 0.1 | -3.0 |
| Net margin | -14.3% | 0.3% | -8.2% |
| |
| Basic EPS | ($2.78) | $0.06 | ($1.84) |
| Diluted EPS | ($2.78) | $0.06 | ($1.84) |
| |
| Shares outstanding (basic) | 1.7 | 1.7 | 1.6 |
| Shares outstanding (diluted) | 1.7 | 1.7 | 1.6 |
| |
| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |