AMERICAN BANCORP OF NEW JERSEY INC (ABNJ) [Rocket]

In millions, except per share items	Sep-30-08	Sep-30-07	Oct-01-06	Sep-30-06	Sep-30-05	Sep-30-04
	10-K	10-K	10-K	10-K	10-K	10-K
Interest income on loans					17.5	15.0
Total interest income	0.8	1.5		2.1	20.6	18.2
Interest on borrowings					2.8	2.9
Total interest expense					2.8	2.9
Net interest income	0.8	1.5		2.1	11.1	10.1
Provision for loan losses					0.1	0.2
Net interest income after provision for loan losses					11.0	9.9
Total non-interest income					1.2	1.3
Non-interest expenses					8.9	7.7
Pre-tax income before non-recurring items	1.4	1.0		2.8	3.2	3.5
Non-recurring items					0.0	0.0
Pre-tax income	1.4	1.0		2.8	3.2	3.5
Income taxes	0.2	0.5		0.7	1.2	1.4
Tax rate	12.6%	46.0%		24.2%	37.1%	38.8%
Net income	1.2	0.6		2.1	2.0	2.2
Net margin	153.7%	37.6%		102.5%	16.8%	19.3%

Basic EPS	$0.12	$0.05		$0.16	$0.15	$0.16
Diluted EPS	$0.12	$0.05		$0.16	$0.15	$0.16

Shares outstanding (basic)	10.2	11.1		13.3	13.6	13.5
Shares outstanding (diluted)	10.2	11.1		13.3	13.6	13.5

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