PVF CAPITAL CORP (PVFC) [Rocket]

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	10-K/A	10-K	10-K	10-K	10-K
Interest income:
Interest income on loans	26.7	27.8	30.2	35.2	42,618.2	51,654.8
Interest income on investments	0.5	0.3	0.2	0.2	3,002.3	1,686.1
Interest income on repurchase agreements	0.2	0.3	0.2	0.0
	28.2	29.2	33.0	38.6	45,620.5	56,485.4
Interest expense:
Interest on deposits	4.5	6.8	9.2	14.4	22,452.1	27,829.0
Interest on borrowings					3,636.1	4,982.7
	5.6	7.9	12.2	19.1	27,347.2	34,275.3
Net interest income	22.7	21.4	20.8	20.0	19,314.5	22,210.1
Provision for loan losses	2.1	7.0	13.5	14.9	31,272.6	6,058.4
Net interest income after provision for loan losses	20.6	14.4	7.3	5.1	-11,958.1	16,151.7
Deposit and loan fees	1.2	0.8	0.7	0.7
Income on real estate owned					-522.1
Other non-interest income	25.8	19.3	15.6	20.8	5,320.8	2,458.4
Total non-interest income	27.0	20.2	16.3	21.5	4,798.7	2,458.4
Non-interest expenses	26.1	25.7	24.8	24.5	23,000.6	20,805.6
Pre-tax income before non-recurring items	-1.5	-0.8	-0.5	16.4	0.0	0.0	0.0	0.0
Non-recurring items	-0.3	-0.5	-0.1
Pre-tax income	-1.2	-0.3	-0.4	16.4	0.0	0.0	0.0	0.0
Income taxes	-10.3	1.6	9.3	15.0	0.0	0.0	0.0	0.0
Tax rate	839.9%			91.2%
Net income	9.1	-1.9	-9.7	1.4	0.0	-1,100.7	4,234.3	4,843.0
Net margin	19.0%	-5.6%	-41.0%	5.4%	0.0%	-5.9%

Basic EPS	$0.35	($0.08)	($0.38)	$0.11
Diluted EPS	$0.34	($0.08)	($0.38)	$0.11

Shares outstanding (basic)	26.0	25.7	25.7	12.6
Shares outstanding (diluted)	26.6	25.7	25.7	12.7

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