In millions, except per share items | Jun-30-13 | Jun-30-12 | Jun-30-11 | Jun-30-10 | Jun-30-09 | Jun-30-08 | Jun-30-07 | Jun-30-06 |
| 10-K | 10-K | 10-K/A | 10-K | 10-K | 10-K | 10-K | 10-K |
Interest income: |
Interest income on loans | 17.5 | 20.3 | 24.3 | | | | | |
Interest income on investments | 1.7 | 1.9 | 1.7 | | | | | |
| 19.5 | 22.4 | 26.3 | 30.0 | 28.2 | 20.8 | 21.0 | 18.1 |
Interest expense: |
Interest on deposits | 1.5 | 3.0 | 5.6 | 8.1 | 8.7 | 7.7 | 7.3 | 5.5 |
Interest on borrowings | 1.3 | 1.3 | 2.4 | | | | | |
| 3.1 | 4.6 | 16.3 | 8.1 | 8.7 | 7.7 | 7.3 | 5.5 |
Net interest income | 16.4 | 17.9 | 18.3 | 18.5 | 16.6 | 11.6 | 11.3 | 11.2 |
Provision for loan losses | 0.8 | 9.9 | | 8.8 | 0.9 | | | |
Net interest income after provision for loan losses | 15.6 | 8.0 | 18.3 | 9.6 | 15.6 | | | |
Deposit and loan fees | | | | 1.6 | 1.4 | 0.8 | 0.5 | 0.5 |
Gain on sale of investments, net | | 0.0 | 1.2 | | | | | |
Other non-interest income | 2.1 | 2.2 | 2.0 | 2.4 | 1.8 | | | |
Total non-interest income | 2.1 | 2.2 | 3.2 | 4.0 | 3.2 | 1.5 | 1.4 | 1.4 |
Non-interest expenses | 15.5 | 16.7 | 17.4 | 39.7 | 14.7 | 9.9 | 10.1 | 9.0 |
Pre-tax income before non-recurring items | 2.1 | -6.5 | -0.3 | -4.2 | 4.1 | 2.8 | 2.6 | 3.7 |
Non-recurring items | 0.0 | 0.0 | | | 0.0 | 0.0 | | |
Asset impairment | | | | 21.8 | | | | |
Pre-tax income | 2.1 | -6.5 | -0.3 | -26.0 | 4.1 | 2.8 | 2.6 | 3.7 |
Income taxes | 0.5 | -2.5 | -1.1 | -2.0 | 1.5 | 1.5 | 0.9 | 1.3 |
Tax rate | 25.4% | 38.7% | 328.0% | 7.6% | 36.6% | 55.1% | 34.9% | 36.2% |
Net income | 1.6 | -4.0 | 0.0 | -24.0 | 2.6 | 1.2 | 1.7 | 2.3 |
Net margin | 9.0% | -39.3% | 0.1% | -175.5% | 14.0% | 9.5% | 13.3% | 18.6% |
|
Basic EPS | $0.25 | ($0.64) | $0.00 | ($3.85) | $3.00 | $0.22 | $0.28 | $391,596.64 |
Diluted EPS | $0.25 | ($0.64) | $0.00 | ($3.85) | $3.00 | $0.22 | $0.28 | $0.37 |
|
Shares outstanding (basic) | 6.3 | 6.2 | 6.2 | 6.2 | 0.9 | 5.7 | 6.0 | 0.0 |
Shares outstanding (diluted) | 6.3 | 6.2 | 6.2 | 6.2 | 0.9 | 5.7 | 6.0 | 6.3 |
|
EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |