| In millions, except per share items | Dec-31-15 | Dec-31-14 | Dec-31-13 | Dec-31-12 |
| | 10-K | 10-K | 10-K | 10-K |
| Interest income: |
| Interest income on loans | 4.5 | 4.7 | 5.0 | 5.4 |
| Interest income on investments | 0.7 | 0.9 | 1.0 | |
| | 5.2 | 5.6 | 6.1 | 6.7 |
| Interest expense: |
| Interest on deposits | 0.6 | 0.7 | 0.7 | 1.0 |
| Interest on borrowings | 0.1 | 0.3 | 0.4 | 0.5 |
| | 0.7 | 1.0 | 1.1 | 1.5 |
| Net interest income | 6.0 | 6.6 | 7.2 | 8.2 |
| Provision for loan losses | 0.1 | 0.7 | | 0.5 |
| Net interest income after provision for loan losses | 5.9 | 5.9 | 7.2 | 7.7 |
| Gain on sale of investments, net | 0.1 | 0.1 | 0.2 | 0.3 |
| Other non-interest income | 0.6 | 1.4 | 0.7 | 0.7 |
| Total non-interest income | 0.7 | 1.5 | 0.9 | 1.0 |
| Non-interest expenses | 5.1 | 5.0 | 4.9 | 5.7 |
| Pre-tax income | 0.0 | 0.4 | 0.9 | 0.0 |
| Income taxes | -0.1 | -1.7 | 0.0 | 0.0 |
| Tax rate | | | 0.0% | 0.0% |
| Net income | 0.1 | 2.1 | 0.9 | 0.0 |
| Net margin | 1.3% | 28.2% | 11.2% | -0.3% |
| |
| Basic EPS | $0.04 | $0.97 | $0.39 | ($0.01) |
| Diluted EPS | $0.04 | $0.95 | $0.39 | ($0.01) |
| |
| Shares outstanding (basic) | 2.1 | 2.2 | 2.3 | 2.3 |
| Shares outstanding (diluted) | 2.1 | 2.2 | 2.3 | 2.3 |
| |
| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |