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/A | 10-K/A | 10-K/A | 10-K | 10-K | 10-K | 10-K | 10-K |
Interest income: |
Interest income on loans | 58.7 | 59.3 | 57.6 | 49.0 | 38.6 | 36.7 | 36.3 | 33.8 |
Interest income on investments | 0.9 | 1.1 | 1.2 | 1.2 | 1.6 | | | |
| 60.6 | 65.7 | 62.5 | 51.6 | 41.0 | 38.8 | 38.3 | 35.7 |
Interest expense: |
Interest on deposits | 7.5 | 14.3 | 12.1 | 7.0 | 4.8 | 4.6 | 4.8 | 4.4 |
Interest on borrowings | | | | | | | | 0.9 |
| 8.6 | 16.1 | 13.6 | 7.8 | 5.5 | 5.3 | 5.8 | 5.3 |
Net interest income | 52.0 | 49.6 | 48.9 | 43.7 | 35.5 | 33.5 | 32.5 | 30.3 |
Provision for loan losses | 9.1 | 9.2 | | | 19.9 | | 1.5 | 4.5 |
Net interest income after provision for loan losses | 42.9 | 40.4 | 48.9 | 43.7 | 15.7 | 33.5 | 31.0 | 25.8 |
Deposit and loan fees | | | | | | 0.9 | 0.9 | 0.8 |
Gain on sale of investments, net | 0.2 | | 0.0 | 0.0 | | | | |
Other non-interest income | 6.2 | 5.6 | 4.6 | 4.4 | 2.9 | 4.5 | 3.5 | 0.4 |
Total non-interest income | 6.3 | 5.6 | 4.6 | 4.4 | 2.9 | 5.4 | 4.4 | 1.2 |
Non-interest expenses | 36.8 | 38.2 | 37.0 | 37.8 | 36.4 | 35.3 | 36.8 | 36.3 |
Pre-tax income | 12.4 | 7.8 | 16.6 | 10.4 | -17.8 | 0.9 | -1.5 | -9.3 |
Income taxes | 4.1 | 2.1 | -10.8 | -0.1 | 16.8 | -11.6 | -0.6 | 5.6 |
Tax rate | 32.9% | 27.3% | | | | | 41.2% | |
Net income | 0.0 | 0.0 | 0.0 | 10.4 | -34.6 | 11.0 | -0.8 | -23.3 |
Net margin | 0.0% | 0.0% | 0.0% | 21.7% | -186.4% | 28.2% | -2.3% | -86.2% |
|
Basic EPS | $0.00 | $0.00 | $0.00 | $0.45 | ($1.52) | $0.54 | ($0.04) | ($1.28) |
Diluted EPS | $0.00 | $0.00 | $0.00 | $0.45 | ($1.51) | $0.53 | ($0.04) | ($1.28) |
|
Shares outstanding (basic) | 0.0 | 0.0 | 0.0 | 23.1 | 22.8 | 20.5 | 19.2 | 18.2 |
Shares outstanding (diluted) | 0.0 | 0.0 | 0.0 | 23.3 | 23.0 | 20.7 | 19.2 | 18.2 |
|
EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |