| In millions, except per share items | Dec-31-22 | Dec-31-21 | Dec-31-20 |
| | 10-K | 10-K | S-1 |
| Interest income: |
| Interest income on loans | 14.1 | 14.1 | 14.5 |
| Interest income on investments | 2.4 | 1.3 | 0.3 |
| | 2.4 | 1.3 | 15.9 |
| Interest expense: |
| Interest on deposits | 0.7 | 0.6 | 1.5 |
| Interest on borrowings | 1.0 | 0.6 | |
| | 1.7 | 1.2 | 3.2 |
| Net interest income | 14.9 | 14.3 | 19.0 |
| Provision for loan losses | | 0.2 | |
| Net interest income after provision for loan losses | 14.9 | 14.1 | 19.0 |
| Gain on sale of investments, net | -0.7 | 0.5 | 0.4 |
| Other non-interest income | 1.6 | 1.7 | 1.6 |
| Total non-interest income | 0.9 | 2.2 | 2.0 |
| Non-interest expenses | 16.8 | 13.1 | 13.2 |
| Pre-tax income before non-recurring items | -1.0 | 3.2 | 0.7 |
| Non-recurring items | | | -0.3 |
| Pre-tax income | -1.0 | 3.2 | 1.1 |
| Income taxes | -0.5 | 0.6 | 0.0 |
| Tax rate | 44.4% | 18.7% | |
| Net income | -0.6 | 2.6 | 1.1 |
| Net margin | -3.6% | 16.1% | 5.1% |
| |
| Basic EPS | ($0.10) | $0.45 | $0.18 |
| Diluted EPS | ($0.10) | $0.45 | $0.18 |
| |
| Shares outstanding (basic) | 5.8 | 5.8 | 5.9 |
| Shares outstanding (diluted) | 5.8 | 5.8 | 5.9 |
| |
| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |