| In millions, except per share items | Dec-31-11 | Dec-31-10 |
| | 10-K | 10-K |
| Interest income on investments | 5.0 | 5.4 |
| Total interest income | 42.6 | 45.9 |
| Interest expense: |
| Interest on deposits | 8.2 | 12.2 |
| Interest on borrowings | 0.7 | 1.1 |
| | 9.3 | 13.6 |
| Net interest income | 33.4 | 32.2 |
| Provision for loan losses | 19.5 | 7.2 |
| Net interest income after provision for loan losses | 13.9 | 25.1 |
| Deposit and loan fees | 6.1 | 6.4 |
| Gain on sale of investments, net | 2.3 | 0.6 |
| Other non-interest income | 4.6 | 4.7 |
| Total non-interest income | 13.0 | 11.6 |
| Non-interest expenses | 31.1 | 28.9 |
| Pre-tax income | -4.2 | 7.8 |
| Income taxes | -2.5 | 2.1 |
| Tax rate | 58.9% | 27.6% |
| Net income | -1.7 | 5.6 |
| Net margin | -6.5% | 15.4% |
| |
| Basic EPS | ($0.52) | $1.68 |
| Diluted EPS | ($0.52) | $1.68 |
| |
| Shares outstanding (basic) | 3.4 | 3.4 |
| Shares outstanding (diluted) | 3.4 | 3.4 |
| |
| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |