Naugatuck Valley Financial Corp (NVSL) [Rocket]

In millions, except per share items	Sep-30-15	Jun-30-15	Mar-31-15	Dec-31-14	Sep-30-14	Jun-30-14	Mar-31-14	Dec-31-13
	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K
Interest income on loans	4.4	4.2	4.1	4.3	4.3	4.2	4.2	4.8
Total interest income	4.8	4.8	4.7	4.9	5.0	5.1	4.9	5.2
Interest expense:
Interest on deposits	0.5	0.6	0.6	0.6	0.6	0.6	0.6	0.6
Interest on borrowings	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2
	0.5	0.6	0.6	0.6	0.6	0.6	0.6	0.6
Net interest income	5.4	5.4	5.3	5.5	5.6	5.7	5.5	5.9
Provision for loan losses		-1.4				-0.7
Net interest income after provision for loan losses	5.4	6.8	5.3	5.5	5.6	6.4	5.5	5.9
Deposit and loan fees	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2
Gain on sale of investments, net								-1.8
Other non-interest income	1.0	0.9	0.8	0.6	1.8	1.3	0.6	-0.7
Total non-interest income	1.2	1.1	1.0	0.8	2.0	1.5	0.7	-2.3
Non-interest expenses	4.7	5.4	4.7	5.3	5.2	5.6	5.7	5.1
Pre-tax income before non-recurring items	0.9	1.7	0.3	0.6	1.1	0.1	-0.8	-2.0
Non-recurring items	0.3	0.6
Pre-tax income	0.5	1.1	0.3	0.6	1.1	0.1	-0.8	-2.0
Income taxes	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.4
Tax rate	0.0%	0.0%	0.0%		0.0%	0.0%	0.0%
Net income	0.5	1.1	0.3	0.7	1.1	0.1	-0.8	-2.4
Net margin	7.9%	16.6%	4.2%	10.3%	13.8%	1.3%	-12.7%	-67.4%

Basic EPS	$0.08	$0.16	$0.04	$0.10	$0.16	$0.01	($0.12)	($0.36)
Diluted EPS	$0.08	$0.16	$0.04	$0.10	$0.16	$0.01	($0.12)	($0.36)

Shares outstanding (basic)	6.7	6.7	6.7	6.7	6.7	6.7	6.7	6.6
Shares outstanding (diluted)	6.8	6.7	6.7	6.7	6.7	6.7	6.7	6.6

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