In millions, except per share items | Jun-30-19 | Mar-31-19 | Dec-31-18 | Sep-30-18 | Jun-30-18 | Mar-31-18 | Dec-31-17 | Sep-30-17 |
| 10-Q | 10-Q | 10-K | 10-Q | 10-Q | 10-Q | 10-K | 10-Q |
Interest income: |
Interest income on loans | 35.4 | 34.4 | 33.9 | 25.1 | 23.9 | 22.5 | 21.3 | 21.0 |
Interest income on investments | 1.9 | 1.8 | 1.8 | 1.6 | 1.6 | 1.5 | 1.4 | 1.3 |
| 38.3 | 37.1 | 36.9 | 27.8 | 26.3 | 24.7 | 23.8 | 23.4 |
Interest expense: |
Interest on deposits | 9.4 | 8.2 | 7.2 | 5.4 | 4.5 | 3.5 | 3.2 | 2.8 |
| 11.6 | 11.0 | 10.1 | 6.7 | 5.4 | 4.6 | 4.4 | 4.1 |
Net interest income | 26.7 | 26.0 | 26.8 | 21.1 | 20.9 | 20.1 | 19.4 | 19.3 |
Provision for loan losses | 1.8 | 0.9 | 1.5 | 0.6 | 0.9 | 0.8 | 0.8 | 0.9 |
Net interest income after provision for loan losses | 25.0 | 25.2 | 25.3 | 20.5 | 20.0 | 19.3 | 18.7 | 18.3 |
Other non-interest income | 15.7 | 9.8 | 11.7 | 13.6 | 12.6 | 11.3 | 14.2 | 14.6 |
Total non-interest income | 15.7 | 9.8 | 11.7 | 13.6 | 12.6 | 11.3 | 14.2 | 14.6 |
Non-interest expenses | 35.1 | 32.6 | 36.6 | 27.4 | 28.5 | 27.6 | 29.7 | 28.4 |
Pre-tax income before non-recurring items | 6.9 | 2.4 | 5.4 | 6.7 | 4.6 | 3.6 | 3.1 | 4.5 |
Non-recurring items | 1.3 | | 5.1 | | 0.5 | 0.5 | | |
Pre-tax income | 5.6 | 2.4 | 0.3 | 6.7 | 4.0 | 3.1 | 3.1 | 4.5 |
Income taxes | 0.8 | 0.4 | 0.2 | 0.8 | 0.9 | 0.8 | 1.5 | 1.7 |
Tax rate | 14.6% | 14.7% | 68.0% | 12.1% | 23.3% | 26.5% | 49.2% | 37.4% |
Net income | 4.8 | 2.1 | 0.1 | 5.9 | 3.1 | 2.3 | 1.6 | 2.8 |
Net margin | 11.8% | 5.9% | 0.3% | 17.4% | 9.5% | 7.3% | 4.9% | 8.6% |
|
Basic EPS | $0.15 | $0.07 | $0.00 | $0.19 | $0.10 | $0.07 | $0.05 | $0.09 |
Diluted EPS | $0.15 | $0.07 | $0.00 | $0.19 | $0.10 | $0.07 | $0.05 | $0.09 |
|
Shares outstanding (basic) | 31.6 | 31.6 | 31.6 | 31.6 | 31.6 | 31.6 | 31.6 | 31.3 |
Shares outstanding (diluted) | 31.6 | 31.6 | 31.6 | 31.6 | 31.6 | 31.6 | 31.6 | 31.3 |
|
EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |