| In millions, except per share items | Dec-31-18 | Dec-31-17 | Dec-31-16 | Dec-31-15 |
| | 10-K | 10-K | 10-K | 10-K |
| Interest income: |
| Interest income on loans | 19.7 | 16.5 | 15.2 | 13.9 |
| Interest income on investments | 1.4 | 0.9 | 1.0 | 1.0 |
| | 21.1 | 17.4 | 16.2 | 14.9 |
| Interest on borrowings | 0.3 | 0.2 | | |
| Total interest expense | 4.6 | 3.5 | 2.9 | 2.3 |
| Net interest income | 16.5 | 14.0 | 13.4 | 12.6 |
| Provision for loan losses | 0.4 | 0.7 | 0.0 | -0.3 |
| Net interest income after provision for loan losses | 16.1 | 13.3 | 13.4 | 12.9 |
| Deposit and loan fees | | | 0.1 | |
| Gain on sale of investments, net | | | 0.1 | |
| Other non-interest income | 1.3 | 1.0 | 1.1 | 1.1 |
| Total non-interest income | 1.3 | 1.0 | 1.2 | 1.1 |
| Non-interest expenses | 13.4 | 12.3 | 12.4 | 11.8 |
| Pre-tax income before non-recurring items | 4.7 | 2.0 | 2.2 | 2.2 |
| Non-recurring items | 0.7 | | | |
| Pre-tax income | 3.9 | 2.0 | 2.2 | 2.2 |
| Income taxes | 1.0 | 1.6 | 0.9 | 1.2 |
| Tax rate | 24.6% | 79.8% | 39.5% | 52.4% |
| Minority interest | | | 0.2 | 0.2 |
| Net income | 3.0 | 0.4 | 1.1 | 0.8 |
| Net margin | 17.0% | 2.8% | 7.7% | 5.9% |
| |
| Basic EPS | $0.46 | $0.09 | $0.24 | $0.18 |
| Diluted EPS | $0.46 | $0.09 | $0.24 | $0.18 |
| |
| Shares outstanding (basic) | 6.4 | 4.7 | 4.6 | 4.6 |
| Shares outstanding (diluted) | 6.5 | 4.7 | 4.7 | 4.7 |
| |
| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |