| In millions, except per share items | Dec-31-10 | Dec-31-09 | Dec-31-08 | Dec-31-07 | Dec-31-06 | Dec-31-05 | Dec-31-04 | Dec-31-03 |
| | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K |
| Interest income: |
| Interest income on loans | 36.0 | 38.8 | 41.9 | 40.5 | 35.9 | 31.0 | 27.4 | 25.0 |
| Interest income on investments | 4.8 | 6.9 | 7.5 | 7.5 | 6.9 | 4.8 | 3.8 | 5.1 |
| | 41.0 | 45.8 | 50.3 | 49.4 | 43.9 | 37.0 | 31.6 | 30.1 |
| Interest expense: |
| Interest on deposits | 8.9 | 11.1 | 14.4 | 17.8 | 13.8 | 8.3 | 5.6 | 5.7 |
| Interest on borrowings | 5.6 | 7.2 | 7.9 | 7.5 | 6.4 | 6.7 | 5.6 | 5.2 |
| | 14.6 | 18.3 | 22.5 | 25.5 | 20.3 | 15.1 | 12.1 | 11.9 |
| Net interest income | 26.4 | 27.5 | 27.9 | 23.8 | 23.6 | 21.9 | 19.5 | 18.3 |
| Provision for loan losses | 10.5 | 4.9 | 1.5 | 1.1 | 0.2 | 0.8 | 0.2 | 1.0 |
| Net interest income after provision for loan losses | 15.9 | 22.6 | 26.4 | 22.8 | 23.3 | 21.1 | 19.3 | 17.3 |
| Gain on sale of investments, net | | | | | | | | 0.1 |
| Other non-interest income | 3.2 | -4.6 | 2.4 | 5.9 | 3.5 | 3.4 | 4.4 | 4.3 |
| Total non-interest income | 3.2 | -4.6 | 2.4 | 5.9 | 3.5 | 3.4 | 4.4 | 4.4 |
| Non-interest expenses | 31.0 | 28.8 | 26.6 | 27.2 | 21.3 | 26.4 | 17.9 | 17.0 |
| Pre-tax income | -11.9 | -10.9 | 2.2 | 1.5 | 5.5 | -1.9 | 5.8 | 4.7 |
| Income taxes | -4.0 | -3.1 | 0.8 | 0.2 | 2.7 | 0.3 | 2.3 | 1.7 |
| Tax rate | 33.7% | 28.2% | 35.0% | 16.7% | 48.6% | | 38.8% | 36.7% |
| Net income | -7.9 | -7.8 | 1.4 | 1.2 | 2.8 | -2.2 | 3.6 | 3.0 |
| Net margin | -41.3% | -43.4% | 5.0% | 4.3% | 10.5% | -9.1% | 15.0% | 13.8% |
| |
| Basic EPS | ($0.99) | ($0.98) | $0.18 | $0.14 | $0.29 | | | |
| Diluted EPS | ($0.99) | ($0.98) | $0.18 | $0.14 | $0.29 | | | |
| |
| Shares outstanding (basic) | 8.0 | 8.0 | 8.1 | 8.9 | 9.6 | | | |
| Shares outstanding (diluted) | 8.0 | 8.0 | 8.1 | 8.9 | 9.6 | | | |
| |
| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |