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In millions, except per share items | Dec-31-20 | Dec-31-19 | Dec-31-18 | Dec-31-17 | Dec-31-16 | Dec-31-15 | Dec-31-14 | Dec-31-13 |
| 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K |
Total interest income | 83.1 | 154.4 | 160.0 | 142.7 | 140.5 | 145.5 | 156.6 | 174.8 |
Total interest expense | 44.9 | 118.8 | 115.3 | 82.5 | 70.4 | 43.6 | 79.9 | 93.0 |
Net interest income | 38.2 | 35.6 | 44.7 | 60.2 | 70.0 | 101.9 | 76.7 | 81.8 |
Provision for loan losses | -0.7 | | | | | -0.2 | | |
Net interest income after provision for loan losses | 38.9 | 35.6 | 44.7 | 60.2 | 70.0 | 102.1 | 76.7 | 81.8 |
Non-interest expenses | | | | | 36.3 | 35.3 | 24.8 | 19.5 |
Asset impairment | | 2.1 | 2.9 | 2.4 | 1.5 | | | |
Pre-tax income | -103.7 | -55.4 | -6.5 | 54.4 | 22.5 | 14.7 | 28.6 | 75.7 |
Income taxes | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
Net income | -112.9 | -64.6 | -15.7 | 46.2 | 15.9 | 8.3 | 22.9 | 70.0 |
Net margin | -295.5% | -181.3% | -35.1% | 74.6% | 22.2% | 8.0% | 29.6% | 85.5% |
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Basic EPS | ($1.14) | ($0.65) | ($0.16) | $0.48 | $0.17 | $0.08 | $0.18 | $0.49 |
Diluted EPS | ($1.14) | ($0.65) | ($0.16) | $0.46 | $0.16 | $0.08 | $0.18 | $0.48 |
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Shares outstanding (basic) | 99.0 | 98.7 | 98.3 | 96.8 | 96.4 | 103.4 | 123.9 | 142.5 |
Shares outstanding (diluted) | 99.0 | 98.7 | 98.3 | 100.5 | 101.1 | 107.8 | 128.1 | 146.4 |
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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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