| In millions, except per share items | Mar-31-12 | Mar-31-11 | Mar-31-10 | Mar-31-09 |
| | 10-K | 10-K | 10-K | 10-K |
| Interest income: |
| Interest income on loans | 30.2 | 30.5 | 28.9 | 24.6 |
| Interest income on investments | 2.0 | 2.4 | 3.2 | 4.0 |
| | 32.3 | 33.1 | 32.4 | 28.9 |
| Interest on deposits | 8.2 | 8.7 | 10.5 | 10.1 |
| Total interest expense | 9.8 | 11.0 | 13.5 | 13.2 |
| Net interest income | 22.6 | 22.0 | 88.5 | 42.2 |
| Provision for loan losses | 1.6 | 2.0 | 3.0 | 2.9 |
| Net interest income after provision for loan losses | 21.0 | 20.0 | 85.4 | 39.2 |
| Deposit and loan fees | 1.4 | 1.3 | 1.2 | 1.0 |
| Gain on sale of investments, net | 0.3 | 0.3 | | |
| Other non-interest income | 2.3 | 0.9 | 1.7 | 0.0 |
| Total non-interest income | 4.0 | 2.5 | 2.9 | 1.0 |
| Non-interest expenses | 18.1 | 17.8 | 16.8 | 15.0 |
| Pre-tax income before non-recurring items | 8.2 | 4.8 | 1.9 | -2.7 |
| Non-recurring items | 1.3 | | | |
| Pre-tax income | 6.9 | 4.8 | 1.9 | -2.7 |
| Income taxes | 2.3 | 1.6 | 0.2 | -0.9 |
| Tax rate | 33.6% | 34.0% | 11.2% | 33.7% |
| Net income | 4.6 | 3.2 | 1.7 | -1.8 |
| Net margin | 18.3% | 14.0% | 1.9% | -4.5% |
| |
| Basic EPS | $0.77 | $0.53 | $0.28 | ($0.32) |
| Diluted EPS | $0.76 | $0.53 | $0.28 | ($0.32) |
| |
| Shares outstanding (basic) | 5.9 | 6.0 | 6.0 | 5.6 |
| Shares outstanding (diluted) | 6.0 | 6.0 | 6.0 | 5.6 |
| |
| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |