| In millions, except per share items | Dec-31-14 | Dec-31-13 | Dec-31-12 | Dec-31-11 | Dec-31-10 | Dec-31-09 | Dec-31-08 | Dec-31-07 |
| | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K |
| Interest income: |
| Interest income on loans | 53.0 | 53.1 | 55.5 | 57.8 | 61.0 | 57.7 | | |
| Interest income on investments | 7.1 | 6.5 | 6.7 | 6.7 | 5.3 | 4.7 | 3.7 | 4.2 |
| | 60.4 | 59.9 | 62.5 | 64.8 | 66.7 | 62.8 | 3.7 | 4.2 |
| Interest expense: |
| Interest on deposits | 3.5 | 3.7 | 5.3 | 8.2 | 12.1 | 16.4 | 25.0 | 35.3 |
| Interest on borrowings | | | | | | 1.5 | 3.0 | 3.2 |
| | 3.5 | 3.7 | 5.3 | 8.2 | 12.1 | 16.4 | 28.0 | 38.5 |
| Net interest income | 64.0 | 63.6 | 67.8 | 73.0 | 78.7 | 79.2 | 40.7 | 37.2 |
| Provision for loan losses | 2.2 | 4.7 | 7.0 | 10.8 | 15.5 | 12.8 | 4.9 | 1.6 |
| Net interest income after provision for loan losses | 61.8 | 58.9 | 60.8 | 62.3 | 63.2 | 66.4 | 35.8 | 35.7 |
| Deposit and loan fees | 9.7 | 10.3 | 9.1 | 9.4 | 9.9 | 9.2 | 8.9 | 8.2 |
| Credit and debit card fees | 4.2 | 4.0 | 3.8 | 3.4 | 2.9 | 2.2 | | |
| Gain on sale of investments, net | 0.3 | 0.3 | 0.2 | 0.2 | | 0.7 | | |
| Other non-interest income | 9.0 | 9.4 | 9.4 | 7.7 | 7.9 | 4.5 | 0.9 | 0.9 |
| Total non-interest income | 23.2 | 24.0 | 22.4 | 20.7 | 20.7 | 16.6 | 9.9 | 9.2 |
| Non-interest expenses | 50.8 | 46.7 | 46.3 | 42.1 | 42.4 | 36.7 | | |
| Pre-tax income before non-recurring items | 27.5 | 27.8 | 25.3 | 23.4 | 16.2 | 11.9 | 16.4 | 16.0 |
| Non-recurring items | 1.5 | | | | | | | |
| Pre-tax income | 26.0 | 27.8 | 25.3 | 23.4 | 16.2 | 11.9 | 16.4 | 16.0 |
| Income taxes | 7.7 | 8.1 | 7.1 | 6.9 | 4.5 | 3.1 | 5.0 | 4.9 |
| Tax rate | 29.5% | 29.0% | 28.2% | 29.5% | 28.0% | 26.4% | 30.7% | 30.4% |
| Net income | 18.3 | 19.8 | 18.1 | 15.5 | 9.4 | 7.0 | 0.0 | 0.0 |
| Net margin | 21.6% | 23.8% | 21.8% | 18.7% | 11.2% | 8.4% | 0.0% | 0.0% |
| |
| Basic EPS | $2.39 | $2.63 | $2.43 | $2.09 | $1.61 | $1.24 | $2.02 | $1.93 |
| Diluted EPS | $2.37 | $2.61 | $2.41 | $2.07 | $1.61 | $1.23 | $2.02 | $1.93 |
| |
| Shares outstanding (basic) | 7.7 | 7.5 | 7.5 | 7.4 | 5.9 | 5.6 | 0.0 | 0.0 |
| Shares outstanding (diluted) | 7.7 | 7.6 | 7.5 | 7.5 | 5.9 | 5.7 | 0.0 | 0.0 |
| |
| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |