In millions, except per share items | Dec-31-10 | Dec-31-09 | Dec-31-08 | Dec-31-07 | Dec-31-06 | Dec-31-05 | Dec-31-04 |
| 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | S-1/A |
Interest income: |
Interest income on loans | 96.3 | 71.4 | 64.5 | 63.9 | 62.7 | 50.3 | 42.8 |
Interest income on investments | 21.3 | 21.6 | 18.8 | 14.5 | 9.3 | 8.3 | 6.9 |
| 119.0 | 94.4 | 85.5 | 80.3 | 73.7 | 59.2 | 50.3 |
Interest on borrowings | 0.2 | 0.4 | 0.6 | 1.1 | 1.4 | 2.1 | 0.3 |
Total interest expense | 33.7 | 35.5 | 38.3 | 43.2 | 37.2 | 23.1 | 18.2 |
Net interest income | 85.3 | 58.9 | 47.2 | 37.2 | 36.5 | 36.1 | 32.1 |
Provision for loan losses | 5.2 | 5.1 | 4.2 | 0.8 | 1.0 | 1.3 | 0.8 |
Net interest income after provision for loan losses | 80.2 | 53.8 | 43.0 | 36.4 | 35.5 | 34.9 | 31.3 |
Gain on sale of investments, net | 2.1 | 0.0 | 0.9 | 0.4 | 0.0 | 0.2 | |
Other non-interest income | 11.3 | 7.6 | 6.1 | 5.4 | 5.0 | 6.2 | 5.2 |
Total non-interest income | 13.4 | 7.6 | 7.0 | 5.8 | 5.0 | 6.3 | 5.2 |
Non-interest expenses | 70.5 | 55.9 | 55.4 | 37.0 | 35.6 | 33.9 | 30.8 |
Pre-tax income | 23.0 | 5.5 | -5.4 | 5.2 | 5.0 | 7.3 | 5.8 |
Income taxes | 4.8 | 0.1 | -2.7 | 0.8 | 0.7 | 2.0 | 1.7 |
Tax rate | 20.9% | 2.7% | 50.0% | 15.8% | 14.8% | 27.7% | 30.1% |
Net income | 18.2 | 5.3 | -2.7 | 4.4 | 4.2 | 5.3 | 4.0 |
Net margin | 19.5% | 8.7% | -5.4% | 10.3% | 10.4% | 12.8% | 11.0% |
|
Basic EPS | $0.91 | $0.31 | | | | | |
Diluted EPS | $0.91 | $0.31 | | | | | |
|
Shares outstanding (basic) | 20.0 | 17.0 | | | | | |
Shares outstanding (diluted) | 20.1 | 17.0 | | | | | |
|
EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |