In millions, except per share items | Sep-30-14 | Sep-30-13 | Sep-30-12 | Sep-30-11 | Sep-30-10 | Sep-30-09 | Sep-30-08 |
| 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K |
Interest income: |
Interest income on loans | 10.5 | 10.4 | 10.3 | 10.3 | 10.2 | | 9.7 |
Interest income on investments | 0.8 | 0.8 | 0.9 | 1.0 | 1.0 | | |
| 11.3 | 11.3 | 11.3 | 11.5 | 11.4 | | 10.3 |
Interest expense: |
Interest on deposits | 1.5 | 1.5 | 1.9 | 2.0 | 2.0 | | 2.8 |
Interest on borrowings | 0.6 | 0.7 | 1.0 | 1.7 | 1.7 | | |
| 2.1 | 2.2 | 2.9 | 3.6 | 3.7 | | 4.6 |
Net interest income | 13.4 | 13.5 | 14.3 | 15.1 | 15.2 | | 5.7 |
Provision for loan losses | 0.3 | 0.4 | 0.9 | 0.1 | 0.4 | | 0.2 |
Net interest income after provision for loan losses | 13.1 | 13.1 | 13.4 | 15.0 | 14.8 | 0.0 | 5.5 |
Deposit and loan fees | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | | 0.2 |
Gain on sale of investments, net | | | 0.8 | | 0.5 | | 0.0 |
Other non-interest income | 0.1 | 0.3 | 0.2 | 0.3 | 0.4 | | 0.1 |
Total non-interest income | 0.3 | 0.4 | 1.2 | 0.4 | 1.0 | | 0.3 |
Non-interest expenses | 8.1 | 7.7 | 9.4 | 8.0 | 8.0 | | 7.0 |
Pre-tax income | 1.0 | 1.4 | -0.8 | 0.1 | 0.3 | -0.7 | -1.3 |
Income taxes | 0.3 | 0.5 | -0.2 | -0.1 | 0.1 | -0.2 | -0.4 |
Tax rate | 33.8% | 32.5% | 21.5% | | 45.6% | 34.3% | 31.6% |
Net income | 0.6 | 0.9 | -0.6 | 0.2 | 0.2 | -0.4 | -0.9 |
Net margin | 4.2% | 6.7% | -4.4% | 1.5% | 1.0% | -1.6% | -14.8% |
|
Basic EPS | $0.33 | $0.52 | ($0.37) | $0.13 | $0.10 | ($0.25) | ($0.46) |
Diluted EPS | $0.33 | $0.52 | ($0.37) | $0.13 | $0.10 | ($0.25) | ($0.46) |
|
Shares outstanding (basic) | 1.7 | 1.7 | 1.7 | 1.7 | 1.7 | 1.7 | 1.9 |
Shares outstanding (diluted) | 1.7 | 1.7 | 1.7 | 1.7 | 1.7 | 1.7 | 1.9 |
|
EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |