In millions, except per share items | Mar-31-14 | Dec-31-13 | Sep-30-13 | Jun-30-13 | Mar-31-13 | Dec-31-12 | Sep-30-12 | Jun-30-12 |
| 10-Q | 10-K | 10-Q | 10-Q | 10-Q | 10-K | 10-Q | 10-Q |
Interest income: |
Interest income on loans | 33.8 | 34.4 | 34.4 | 36.8 | 37.1 | 40.1 | 30.4 | 35.7 |
Interest income on investments | 7.7 | | 7.8 | 7.4 | 7.0 | | 6.7 | 6.5 |
| 44.3 | 45.1 | 44.7 | 46.6 | 46.5 | 49.1 | 52.8 | 58.0 |
Interest expense: |
Interest on deposits | 2.7 | 2.9 | 3.1 | 3.3 | 3.5 | 3.8 | 4.2 | 4.7 |
| 2.7 | 2.9 | 3.0 | 3.2 | 3.5 | 3.8 | 4.2 | 4.7 |
Net interest income | 51.6 | 52.5 | 53.8 | 55.9 | 56.1 | 59.0 | 54.6 | 60.3 |
Provision for loan losses | -3.7 | -2.5 | -2.2 | -1.1 | -1.2 | -1.8 | -1.6 | 0.9 |
Net interest income after provision for loan losses | 55.3 | 55.0 | 56.0 | 57.0 | 57.3 | 60.7 | 56.1 | 59.4 |
Deposit and loan fees | 8.2 | 8.2 | 8.4 | 8.4 | 8.5 | 8.7 | 8.7 | 9.3 |
Gain on sale of investments, net | 0.2 | | | | 0.3 | | | |
Other non-interest income | 1.3 | 2.8 | 3.4 | 2.3 | 3.4 | 1.9 | -0.8 | -6.6 |
Total non-interest income | 9.7 | 11.3 | 12.1 | 10.9 | 12.1 | 10.2 | 7.6 | 2.4 |
Non-interest expenses | 43.7 | 44.3 | 41.4 | 41.9 | 42.7 | 43.5 | 43.6 | 46.6 |
Pre-tax income before non-recurring items | 4.3 | 4.3 | 3.5 | 2.5 | 2.5 | 2.9 | 4.6 | 0.6 |
Non-recurring items | | 3.0 | | | | | | |
Pre-tax income | 1.3 | 1.3 | 3.5 | 2.5 | 2.5 | 2.9 | 4.6 | 0.6 |
Income taxes | 1.7 | 1.6 | 1.2 | 1.0 | 0.9 | 1.1 | 1.6 | 0.0 |
Tax rate | 126.4% | | 34.4% | 38.1% | 36.6% | 37.1% | 35.7% | -6.0% |
Net income | -0.3 | -0.3 | 2.3 | 1.6 | 1.6 | 1.8 | 3.0 | 0.6 |
Net margin | -0.5% | -0.4% | 3.4% | 2.3% | 2.2% | 2.5% | 4.6% | 1.0% |
|
Basic EPS | ($0.02) | ($0.02) | $0.16 | $0.11 | $0.11 | $0.12 | $0.20 | $0.04 |
Diluted EPS | ($0.02) | ($0.02) | $0.16 | $0.11 | $0.10 | $0.12 | $0.19 | $0.04 |
|
Shares outstanding (basic) | 14.1 | 14.0 | 14.1 | 14.2 | 14.4 | 14.7 | 14.6 | 15.2 |
Shares outstanding (diluted) | 14.6 | 14.5 | 14.6 | 14.8 | 15.0 | 15.3 | 15.3 | 15.7 |
|
EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |