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| In millions, except per share items | Dec-31-20 | Dec-31-19 | Dec-31-18 | Dec-31-17 | Dec-31-16 | Dec-31-15 | Dec-31-14 | Dec-31-13 |
| | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K |
| Interest income on loans | 103.4 | 122.6 | 112.9 | 102.3 | 90.3 | 82.0 | 81.7 | 77.1 |
| Total interest income | 92.8 | 107.4 | 97.0 | 87.5 | 74.7 | 66.7 | 66.8 | 63.7 |
| Total interest expense | 19.9 | 25.0 | 17.4 | 11.2 | 7.8 | 5.7 | 5.0 | 4.5 |
| Net interest income | 83.5 | 97.6 | 95.5 | 91.1 | 82.5 | 76.3 | 76.7 | 72.5 |
| Provision for loan losses | | | | 18.4 | 12.4 | 10.0 | 9.1 | 9.6 |
| Net interest income after provision for loan losses | 83.5 | 97.6 | 95.5 | 72.7 | 70.1 | 66.3 | 67.6 | 62.9 |
| Total non-interest income | 24.3 | 44.0 | 21.4 | 16.7 | 9.8 | 7.8 | 7.1 | 6.6 |
| Non-interest expenses | 72.4 | 76.7 | 64.7 | 65.8 | 51.5 | 48.8 | 43.4 | 43.5 |
| Asset impairment | 8.8 | | | | | | | |
| Pre-tax income | -3.1 | 36.9 | 32.7 | 23.6 | 28.3 | 25.2 | 31.3 | 26.0 |
| Income taxes | -3.5 | 9.7 | 7.7 | -1.7 | 11.0 | 9.3 | 11.9 | 9.8 |
| Tax rate | 110.9% | 26.4% | 23.6% | | 38.9% | 36.7% | 38.1% | 37.6% |
| Net income | 0.3 | 27.1 | 25.0 | 25.3 | 17.3 | 16.0 | 19.4 | 16.2 |
| Net margin | 6.0% | 543.0% | 567.0% | 28.3% | 21.6% | 21.6% | 25.9% | 23.4% |
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| Basic EPS | $0.03 | $2.22 | $2.04 | $2.06 | $1.42 | $1.29 | $1.54 | $1.30 |
| Diluted EPS | $0.03 | $2.21 | $2.01 | $2.02 | $1.38 | $1.25 | $1.50 | $1.26 |
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| Shares outstanding (basic) | 11.9 | 12.2 | 12.3 | 12.2 | 12.2 | 12.4 | 12.6 | 12.5 |
| Shares outstanding (diluted) | 12.0 | 12.3 | 12.4 | 12.5 | 12.5 | 12.7 | 12.9 | 12.9 |
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| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |
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