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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/A | 10-K | 10-K |
Total interest income | | | 66.9 | 89.3 | 86.4 | 68.2 | 55.3 | 50.7 |
Interest on borrowings | | | 0.7 | 0.7 | 0.9 | 0.9 | | |
Total interest expense | | | 0.7 | 0.7 | 0.9 | 0.9 | | |
Net interest income | | | 37.2 | 52.5 | 54.6 | 48.0 | 42.2 | 39.3 |
Provision for loan losses | | | 30.2 | 55.1 | 6.4 | 5.2 | 5.4 | 4.8 |
Net interest income after provision for loan losses | 0.0 | 0.0 | 6.9 | -2.7 | 48.2 | 42.8 | 36.7 | 34.5 |
Deposit and loan fees | | | 5.7 | 5.9 | 5.8 | 5.6 | 5.4 | 5.5 |
Gain on sale of investments, net | | | 0.0 | 0.0 | 0.1 | 0.1 | 0.0 | 0.0 |
Other non-interest income | | | 3.6 | 3.9 | 4.0 | 4.0 | 3.8 | 6.9 |
Total non-interest income | | | 9.2 | 9.8 | 9.8 | 9.7 | 9.2 | 12.4 |
Asset impairment | | | 10.8 | | | | | |
Pre-tax income | -23.7 | -25.6 | -31.7 | -26.5 | 27.9 | 22.9 | 18.9 | 23.1 |
Income taxes | 0.0 | 0.0 | 4.6 | -11.2 | 9.9 | 7.9 | 6.1 | 7.8 |
Tax rate | 0.0% | 0.0% | | 42.2% | 35.4% | 34.4% | 32.6% | 33.8% |
Net income | -23.7 | -25.6 | -36.3 | -15.3 | 18.0 | 15.0 | 12.7 | 15.3 |
Net margin | | | -224.1% | -214.7% | 31.1% | 28.6% | 27.7% | 32.6% |
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Basic EPS | | | ($2.35) | ($0.97) | $1.12 | $0.91 | $0.75 | $1.14 |
Diluted EPS | | | ($2.35) | ($0.97) | $1.12 | $0.91 | $0.75 | $1.13 |
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Shares outstanding (basic) | | | 15.4 | 15.8 | 16.1 | 16.5 | 17.0 | 13.4 |
Shares outstanding (diluted) | | | 15.4 | 15.8 | 16.1 | 16.5 | 17.0 | 13.5 |
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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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