| In millions, except per share items | Dec-31-22 | Dec-31-21 | Dec-31-20 | Dec-31-19 | Dec-31-18 |
| | 10-K | 10-K | 10-K | 10-K | S-1/A |
| Interest income: |
| Interest income on loans | 12.0 | 12.6 | 12.4 | 11.7 | 10.6 |
| Interest income on investments | 1.1 | 0.9 | 0.9 | 0.8 | 0.7 |
| | 13.3 | 13.6 | 13.4 | 12.8 | 11.6 |
| Interest expense: |
| Interest on deposits | 1.5 | 1.3 | 2.3 | 2.5 | |
| Interest on borrowings | | | | | 0.5 |
| | 1.9 | 1.7 | 2.9 | 3.2 | 2.6 |
| Net interest income | 11.4 | 11.9 | 10.5 | 9.6 | 9.0 |
| Provision for loan losses | 0.6 | 0.5 | 0.5 | 0.4 | 0.2 |
| Net interest income after provision for loan losses | 10.7 | 11.4 | 10.0 | 9.2 | 8.8 |
| Deposit and loan fees | 2.1 | 2.0 | 2.0 | 2.3 | 1.7 |
| Gain on sale of investments, net | | 0.0 | 1.1 | 0.3 | |
| Other non-interest income | 2.7 | 3.7 | 5.4 | 4.8 | 1.5 |
| Total non-interest income | 4.8 | 5.7 | 8.5 | 7.4 | 3.1 |
| Non-interest expenses | 11.6 | 12.4 | 12.3 | 12.9 | 12.3 |
| Asset impairment | | 0.3 | | | |
| Pre-tax income | 1.3 | 1.7 | 1.6 | -0.1 | -0.4 |
| Income taxes | 0.2 | 0.3 | -0.1 | -0.2 | -0.1 |
| Tax rate | 16.6% | 16.7% | | 227.9% | 40.7% |
| Net income | 1.1 | 1.4 | 1.7 | 0.1 | -0.2 |
| Net margin | 7.0% | 8.3% | 9.5% | 0.5% | -1.8% |
| |
| Basic EPS | $0.47 | $0.60 | $0.71 | $0.04 | $0.09 |
| Diluted EPS | $0.47 | $0.60 | $0.71 | $0.04 | ($0.09) |
| |
| Shares outstanding (basic) | 2.3 | 2.4 | 2.5 | 2.5 | -2.4 |
| Shares outstanding (diluted) | 2.3 | 2.4 | 2.5 | 2.5 | 2.4 |
| |
| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |