Overview Financials News + Filings Key Docs Insiders
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| 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 | Dec-31-03 |
| | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K |
| Interest income: |
| Interest income on loans | 57.6 | 60.7 | 63.6 | | | | | |
| | 61.0 | 64.9 | 69.4 | 68.6 | 50.2 | 29.5 | 20.0 | 14.6 |
| Interest expense: |
| Interest on deposits | 15.5 | 20.8 | 27.5 | 31.6 | 20.7 | 10.3 | 6.6 | 5.2 |
| Interest on borrowings | 0.6 | 0.9 | 1.9 | | | | | |
| | 16.1 | 21.7 | 29.4 | 34.0 | 23.0 | 11.3 | 6.8 | 5.3 |
| Net interest income | 45.0 | 43.2 | 40.0 | 34.6 | 27.2 | 18.2 | 13.2 | 9.3 |
| Provision for loan losses | 5.1 | 5.7 | 5.2 | 3.5 | 2.3 | 1.3 | 2.2 | 2.1 |
| Net interest income after provision for loan losses | 39.9 | 37.6 | 34.8 | 31.1 | 24.9 | 16.9 | 11.0 | 7.2 |
| Deposit and loan fees | 4.1 | 3.7 | 3.1 | 2.2 | 1.2 | 0.9 | 0.9 | 0.7 |
| Total non-interest income | 4.1 | 3.7 | 3.1 | 2.2 | 1.2 | 0.9 | 0.9 | 0.7 |
| Pre-tax income | 12.4 | 12.0 | 9.8 | 8.2 | 7.8 | 6.3 | 3.2 | 1.9 |
| Income taxes | 4.1 | 4.0 | 3.2 | 2.9 | 2.9 | 2.3 | 1.2 | -0.1 |
| Tax rate | 33.4% | 33.4% | 33.1% | 35.3% | 37.7% | 37.0% | 36.5% | |
| Net income | 0.0 | 0.0 | 0.0 | 5.3 | 4.8 | 4.0 | 2.0 | 2.0 |
| Net margin | 0.0% | 0.0% | 0.0% | 16.0% | 18.5% | 22.4% | 16.9% | 24.9% |
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| Basic EPS | $1.00 | $1.02 | $1.00 | $0.99 | $1.10 | $1.17 | $0.65 | $0.70 |
| Diluted EPS | $0.95 | $0.97 | $0.92 | $0.91 | $1.01 | $1.09 | $0.62 | $0.66 |
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| Shares outstanding (basic) | 0.0 | 0.0 | 0.0 | 5.4 | 4.4 | 3.4 | 3.1 | 2.8 |
| Shares outstanding (diluted) | 0.0 | 0.0 | 0.0 | 5.9 | 4.8 | 3.6 | 3.2 | 3.0 |
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| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |
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