| 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 | Dec-31-07 |
| | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K |
| Interest income: |
| Interest income on loans | 36.3 | 36.4 | 39.8 | 42.1 | 42.9 | 45.9 | 48.3 | 49.9 |
| Interest income on investments | 5.7 | 5.2 | 6.1 | | | | | |
| | 42.0 | 41.7 | 45.9 | 49.3 | 51.4 | 57.6 | | |
| Interest expense: |
| Interest on deposits | 4.2 | 4.8 | 5.9 | 8.4 | 10.7 | 17.4 | 22.3 | 25.5 |
| Interest on borrowings | 0.6 | 0.6 | 0.9 | 1.1 | 1.3 | 1.5 | 2.3 | 1.6 |
| | 5.6 | 6.2 | 7.5 | 10.1 | 12.8 | 19.9 | 26.2 | 29.1 |
| Net interest income | 36.5 | 35.5 | 38.4 | 39.2 | 38.6 | 37.7 | 32.1 | 29.7 |
| Provision for loan losses | 3.1 | 4.4 | 7.2 | 10.4 | 10.2 | 19.0 | 6.8 | 2.3 |
| Net interest income after provision for loan losses | 33.3 | 31.1 | 31.2 | 28.9 | 28.4 | 18.7 | 25.3 | 27.4 |
| Deposit and loan fees | 3.3 | 3.5 | 3.8 | 4.1 | 4.2 | 4.5 | | |
| Gain on sale of investments, net | 0.0 | 0.2 | 0.2 | 0.8 | 0.4 | 0.7 | | |
| Other non-interest income | 9.6 | 8.4 | 19.6 | 18.2 | 9.1 | 18.8 | | |
| Total non-interest income | 12.9 | 12.1 | 23.6 | 23.1 | 13.8 | 24.0 | 12.5 | 11.5 |
| Non-interest expenses | 36.4 | 35.2 | 34.9 | 34.1 | 35.6 | 35.3 | 34.3 | 31.8 |
| Pre-tax income before non-recurring items | 9.9 | 8.1 | 7.9 | 5.9 | 6.5 | -4.7 | 3.5 | 7.2 |
| Non-recurring items | 0.0 | 0.0 | -0.1 | -0.3 | -0.1 | -0.1 | | |
| Pre-tax income | 9.9 | 8.1 | 8.0 | 6.2 | 6.6 | -4.7 | 3.5 | 7.2 |
| Income taxes | 2.7 | 1.9 | 1.9 | 1.2 | 1.2 | -2.7 | 0.1 | 1.7 |
| Tax rate | 26.9% | 23.8% | 24.1% | 18.8% | 18.6% | 57.1% | 3.2% | 23.0% |
| Net income | 7.2 | 5.5 | 4.8 | 3.7 | 4.1 | -3.3 | 0.0 | 0.0 |
| Net margin | 15.5% | 12.6% | 8.7% | 7.2% | 9.7% | -7.6% | 0.0% | 0.0% |
| |
| Basic EPS | $0.74 | $0.61 | $0.61 | $0.47 | $0.54 | ($0.45) | $0.45 | $0.79 |
| Diluted EPS | $0.74 | $0.60 | $0.60 | $0.47 | $0.54 | ($0.45) | $0.45 | $0.79 |
| |
| Shares outstanding (basic) | 9.7 | 9.0 | 7.8 | 7.9 | 7.5 | 7.3 | 0.0 | 0.0 |
| Shares outstanding (diluted) | 9.7 | 9.1 | 7.9 | 7.9 | 7.5 | 7.3 | 0.0 | 0.0 |
| |
| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |