Overview Financials News + Filings Key Docs Charts Ownership Insiders
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| In millions, except per share items | Dec-31-21 | Dec-31-20 | Dec-31-19 | Dec-31-18 | Dec-31-17 | Dec-31-16 | Dec-31-15 | Dec-31-14 |
| | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K |
| Interest income: |
| Interest income on loans | 30.1 | 35.8 | 40.6 | 37.5 | 31.3 | 24.4 | 22.9 | 19.6 |
| Interest income on investments | | | | | | 0.5 | 0.5 | |
| | 1.9 | 1.5 | 1.7 | 1.3 | 1.0 | 25.4 | 23.7 | 20.4 |
| Interest expense: |
| Interest on deposits | 2.2 | 9.2 | 14.0 | 9.0 | 4.9 | 2.2 | 2.0 | 2.4 |
| Interest on borrowings | 3.0 | 2.7 | 2.2 | 1.6 | 0.7 | | | |
| | 7.1 | 13.8 | 18.2 | 12.4 | 7.0 | 3.0 | 2.7 | 3.0 |
| Net interest income | 25.3 | 24.2 | 25.4 | 28.0 | 25.9 | 22.4 | 21.1 | 17.4 |
| Net interest income after provision for loan losses | 25.3 | 24.2 | 25.4 | 28.0 | 25.9 | 22.4 | 21.1 | 17.4 |
| Other non-interest income | 4.4 | 2.0 | 2.5 | 1.6 | 1.4 | 1.6 | 1.6 | 1.8 |
| Total non-interest income | 4.4 | 2.0 | 2.5 | 1.6 | 1.4 | 1.6 | 1.6 | 1.8 |
| Non-interest expenses | 25.2 | 28.1 | 26.7 | 24.2 | 21.2 | 18.4 | 18.9 | 18.3 |
| Pre-tax income | 5.0 | -4.2 | -3.7 | 4.1 | 7.0 | 3.1 | 3.5 | 1.0 |
| Income taxes | -0.1 | -0.3 | -0.9 | 0.9 | 2.9 | 1.2 | 1.4 | -14.8 |
| Tax rate | | 8.1% | 24.2% | 21.8% | 40.9% | 38.5% | 38.8% | |
| Net income | 5.1 | -3.8 | -2.8 | 3.2 | 4.1 | 1.9 | 2.1 | 15.7 |
| Net margin | 17.2% | -14.6% | -10.1% | 10.6% | 15.0% | 7.9% | 9.3% | 80.2% |
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| Basic EPS | $1.29 | ($0.97) | ($0.72) | $0.82 | $1.06 | $0.49 | $0.55 | $4.08 |
| Diluted EPS | $1.29 | ($0.97) | ($0.72) | $0.82 | $1.06 | $0.49 | $0.55 | $4.05 |
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| Shares outstanding (basic) | 3.9 | 3.9 | 3.9 | 3.9 | 3.9 | 4.0 | 3.9 | 3.9 |
| Shares outstanding (diluted) | 4.0 | 3.9 | 3.9 | 3.9 | 3.9 | 4.0 | 3.9 | 3.9 |
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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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