| In millions, except per share items | Dec-31-11 | Dec-31-10 | Jun-30-10 | Jun-30-09 |
| | 10-K | 10-K | 10-K | 10-K |
| Interest income: |
| Interest income on loans | 10.4 | 10.6 | 10.1 | 9.7 |
| Interest income on investments | 0.3 | 0.5 | | |
| Interest income on repurchase agreements | 0.0 | 0.0 | | |
| | 10.7 | 11.2 | 10.7 | 10.6 |
| Interest expense: |
| Interest on deposits | 1.5 | 2.0 | 2.2 | 2.6 |
| Interest on borrowings | 0.9 | 1.3 | | |
| | 2.4 | 3.3 | 3.7 | 4.7 |
| Net interest income | 13.1 | 14.5 | 7.1 | 5.8 |
| Provision for loan losses | 0.9 | 0.2 | 0.4 | 0.2 |
| Net interest income after provision for loan losses | 12.2 | 14.3 | 6.7 | 5.6 |
| Deposit and loan fees | 0.5 | 0.6 | | |
| Other non-interest income | 0.5 | 0.7 | 1.1 | 0.9 |
| Total non-interest income | 1.0 | 1.3 | 1.1 | 0.9 |
| Non-interest expenses | 6.7 | 6.7 | 6.3 | 5.9 |
| Pre-tax income | 1.6 | 2.3 | 1.5 | 0.5 |
| Income taxes | 0.6 | 0.9 | 0.5 | 0.2 |
| Tax rate | 36.6% | 37.0% | 35.6% | 34.1% |
| Net income | 1.0 | 1.5 | 0.9 | 0.4 |
| Net margin | 7.7% | 9.3% | 12.1% | 5.4% |
| |
| Basic EPS | $0.38 | $0.56 | $0.36 | $0.14 |
| Diluted EPS | $0.38 | $0.56 | $0.36 | $0.14 |
| |
| Shares outstanding (basic) | 2.6 | 2.6 | 2.6 | 2.6 |
| Shares outstanding (diluted) | 2.6 | 2.6 | 2.6 | 2.6 |
| |
| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |