Athens Bancshares Corp (AFCB) [Rocket]

In millions, except per share items	Dec-31-14	Dec-31-13	Dec-31-12	Dec-31-11	Sep-30-11	Dec-31-10	Sep-30-10	Dec-31-09
	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K
Interest income:
Interest income on loans	12.9	12.8	13.4	13.3	13,297.1	13.2	13,166.1	13,368.8
Interest income on investments						1.1
	2.9	2.6	2.9	14.6	14,646.2	14.5	14,528.9	14,667.9
Interest expense:
Interest on deposits	1.8	2.1	2.5	3.0	2,999.5	4.0	3,991.3	5,223.4
Interest on borrowings	0.0	0.1	0.1	0.3	336.6	0.4	365.3	425.8
	1.8	2.1	2.6	3.3	3,338.0	4.4	4,360.3	5,657.4
Net interest income	4.7	4.7	5.6	18.0	11,308.3	18.9	10,168.6	9,010.5
Provision for loan losses	0.1	0.3	1.1		1,980.1		1,711.0	1,023.5
Net interest income after provision for loan losses	4.6	4.4	4.5	18.0	9,328.2	18.9	8,457.6	7,986.9
Total non-interest income	5.2	5.2	5.3	4.8	4,758.1	4.4	4,405.9	4,670.1
Non-interest expenses	13.1	13.1	11.9	11.4	11,424.5	12.0	12,026.8	10,667.7
Pre-tax income	2.5	2.2	2.5	2.7	2,661.7	0.8	836.7	1,989.3
Income taxes	-0.2	-0.1	-0.1	0.8	754.0	0.0	-6.6	644.3
Tax rate				28.3%	28.3%			32.4%
Net income	2.7	2.3	2.6	1.9	1,907.8	0.8	843.3	1,345.1
Net margin	27.5%	24.1%	26.5%	8.4%	13.5%	3.6%	6.6%	10.6%

Basic EPS	$1.63	$1.18	$1.12	$0.75	$0.75	$0.34	$0.34
Diluted EPS	$1.52	$1.13	$1.09	$0.75	$0.75	$0.34	$0.34

Shares outstanding (basic)	1.7	2.0	2.3	2.5	2,543.7	2.5	2,480.3
Shares outstanding (diluted)	1.8	2.1	2.4	2.6	2,543.7	2.5	2,480.3

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