CAMCO FINANCIAL CORP (CAFI) [Rocket]

In millions, except per share items	Sep-30-13	Jun-30-13	Mar-31-13	Sep-30-12	Jun-30-12	Mar-31-12	Dec-31-11	Sep-30-11
	10-Q	10-Q	10-Q	10-Q	10-Q	10-Q	10-K	10-Q
Interest income:
Interest income on loans				31.9	33.1	34.3	35.0	36.0
				32.8	33.9	35.0	36.2	37.8
Interest expense:
Interest on deposits				5.8	6.3	6.8	7.5	8.2
Interest on borrowings				1.2			2.9	3.1
				5.8	6.3	7.6	8.2	8.9
Net interest income				38.6	40.2	37.3	39.2	41.4
Deposit and loan fees				2.0	2.1	1.6	1.6	1.6
Total non-interest income				6.8	6.1	4.4	5.4	6.7
Non-interest expenses				28.2	28.5	21.4	22.1	22.2
Pre-tax income before non-recurring items				0.6	0.3	-1.6	-0.8	1.0
Non-recurring items						0.0
Pre-tax income				0.6	0.3	-1.6	-0.8	1.0
Income taxes				-0.1	0.0	0.0	0.6	0.6
Tax rate						-2.8%		63.0%
Net income				0.6	0.3	-1.6	-1.4	0.4
Net margin				1.5%	0.7%	-2.5%	-2.0%	0.5%

Basic EPS				$0.09	$0.04	($0.23)	($0.19)	$0.05
Diluted EPS				$0.09	$0.04	($0.23)	($0.19)	$0.05

Shares outstanding (basic)				7.3	7.3	7.2	7.2	7.2
Shares outstanding (diluted)				7.3	7.3	7.2	7.2	7.2

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