Overview Financials News + Filings Key Docs Insiders
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| In millions, except per share items | Dec-31-19 | Dec-31-18 | Dec-31-17 | Dec-31-16 | Dec-31-15 | Dec-31-14 | Jun-30-14 | Jun-30-13 |
| | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | S-1/A |
| Interest income on loans | 23.0 | 22.0 | 18.3 | 51.1 | 26.3 | 10.1 | 10.0 | 10.4 |
| Total interest income | 24.6 | 23.3 | 19.5 | 14.2 | 12.2 | 12.0 | 12.0 | 12.0 |
| Interest expense: |
| Interest on deposits | 5.3 | 3.8 | 2.5 | 1.5 | 1.4 | 1.6 | 1.7 | 2.0 |
| Interest on borrowings | | | | | | 0.8 | 0.8 | 0.7 |
| | 7.0 | 5.4 | 3.4 | 2.2 | 1.4 | 1.6 | 1.7 | 2.7 |
| Net interest income | 17.6 | 17.9 | 16.0 | 12.0 | 13.6 | 13.6 | 13.6 | 9.3 |
| Provision for loan losses | | 0.2 | 1.2 | 0.8 | 0.1 | 0.4 | 0.6 | 4.0 |
| Net interest income after provision for loan losses | 17.6 | 17.7 | 14.8 | 11.2 | 13.5 | 13.2 | 13.0 | 5.3 |
| Deposit and loan fees | 0.3 | 0.3 | 0.3 | 0.3 | 0.4 | 0.4 | 0.4 | 0.3 |
| Other non-interest income | 0.6 | 0.5 | 0.5 | 0.7 | 0.4 | 0.3 | 0.3 | 0.3 |
| Total non-interest income | 1.0 | 0.8 | 0.8 | 1.0 | 0.7 | 0.7 | 0.7 | 0.7 |
| Non-interest expenses | 12.8 | 11.9 | 11.2 | 10.4 | 10.0 | 8.9 | 8.2 | 8.3 |
| Pre-tax income | 5.8 | 6.6 | 4.5 | 1.8 | 0.6 | 1.1 | 1.5 | -2.4 |
| Income taxes | 1.7 | 1.8 | 1.8 | 0.7 | 0.2 | 0.3 | 0.5 | -1.0 |
| Tax rate | 28.9% | 27.2% | 39.4% | 36.0% | 29.3% | 32.7% | 35.7% | 41.6% |
| Net income | 4.1 | 4.8 | 2.7 | 1.2 | 0.4 | 0.7 | 1.0 | -1.4 |
| Net margin | 22.1% | 26.1% | 17.4% | 9.5% | 3.1% | 5.1% | 7.2% | -23.4% |
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| Basic EPS | $0.81 | $0.90 | $0.49 | $0.21 | $0.08 | $0.13 | $0.18 | ($0.28) |
| Diluted EPS | $0.80 | $0.90 | $0.48 | $0.20 | $0.08 | $0.13 | $0.18 | ($0.28) |
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| Shares outstanding (basic) | 5.1 | 5.4 | 5.6 | 5.6 | 5.7 | 5.6 | 5.6 | 4.9 |
| Shares outstanding (diluted) | 5.1 | 5.4 | 5.6 | 5.7 | 5.7 | 5.6 | 5.6 | 4.9 |
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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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