W HOLDING CO INC (WHI) [Rocket]

In millions, except per share items	Dec-31-08	Dec-31-07	Dec-31-06	Dec-31-05	Dec-31-04	Dec-31-03	Dec-31-02	Dec-31-01
	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K
Interest income on investments	115.4	45.3	28.4	32.3	37.4			28.2
Total interest income	806.3	1,070.2	989.8	793.2	591.4	461.9	385.7	343.3
Interest on deposits	455.3	463.3	366.1	241.3	166.2	137.3	114.4	129.7
Total interest expense	455.3	463.3	366.1	241.3	166.2	137.3	114.4	129.7
Net interest income	142.9	285.1	308.4	309.5	277.2	216.8	166.3	125.1
Provision for loan losses	67.5	277.6	90.9	80.0	36.7	27.0	15.1	12.3
Net interest income after provision for loan losses	75.4	7.5	217.5	229.5	240.5	189.7	151.2	112.8
Deposit and loan fees	11.7	12.4	10.0	8.6	8.0	7.1	6.7
Other non-interest income	48.9	35.4	27.1	27.2	45.7	18.2	18.1
Total non-interest income	60.7	47.8	37.1	35.8	53.6	25.3	24.7
Non-interest expenses	195.8	163.4	124.5	108.2	100.1	84.8	73.9
Pre-tax income	-59.7	-108.1	130.1	157.0	194.0	130.2	102.1	70.7
Income taxes	-54.3	-39.8	70.5	33.5	22.1	19.3	16.1	8.5
Tax rate	90.9%	36.8%	54.2%	21.4%	11.4%	14.8%	15.8%	12.0%
Net income	0.0	-0.1	0.0	0.1	0.1	0.1	0.1	0.1
Net margin	0.0%	-0.2%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%

Basic EPS	($12.84)	($31.92)	$6.89	$26.37	$0.89	$0.56	$0.48	$0.54
Diluted EPS	($12.84)	($31.92)	$6.74	$25.61	$0.86	$0.54	$0.47	$0.54

Shares outstanding (basic)	0.0	0.0	0.0	0.0	0.2	0.2	0.2	0.1
Shares outstanding (diluted)	0.0	0.0	0.0	0.0	0.2	0.2	0.2	0.1

EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.