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  Year Ending Dec 2017 (Update) Year Ending Dec 2016 (Update) Year Ending Dec 2015 (Update) Year Ending Dec 2014 (Update) Year Ending Dec 2013 (Update)
Interest & Fees on Loans 267.10 250.99 241.83 243.32 238.67
Interest & Dividends on Investment Securities 39.50 33.89 29.65 29.73 28.17
Other Interest Income 2.81 2.07 1.75 2.03 1.88
Interest Income, Bank 309.41 286.95 273.22 275.08 268.72
Interest on Deposit 14.48 14.37 14.26 13.64 16.29
Interest on Other Borrowings 11.44 8.14 6.36 9.57 14.35
Total Interest Expense 25.91 22.51 20.62 23.20 30.64
Net Interest Income 283.49 264.44 252.61 251.88 238.08
Loan Loss Provision 30.99 25.43 18.29 19.54 22.42
Net Interest Income After Loan Loss Provision 252.51 239.01 234.32 232.34 215.66
Fees & Commissions from Operations 36.34 35.29 36.08 36.89 35.99
Credit Card Fees 21.37 19.45 18.25 17.14 15.56
Fees for Other Customer Services 20.21 16.06 14.15 12.13 11.50
Investment Securities Gains 2.69 -0.64 7.27 19.49 1.43
Other Revenue 40.70 45.55 42.74 40.38 38.75
Non-Interest Income, Bank 121.30 115.71 118.48 126.03 103.22
Labor & Related Expenses -133.61 -129.70 -124.32 -119.67 -113.58
Amortization of Intangibles -3.96 -3.93 -4.86 -5.05 -4.87
Real Estate Operation Expense -4.76 -3.46 -2.62 -3.25 -2.62
Other Unusual Expense -- -- -17.90 -12.36
Other Expense -103.32 -98.83 -104.37 -100.20 -95.49
Non-Interest Expense, Bank -245.65 -235.92 -236.18 -246.06 -228.93
Net Income Before Taxes 128.16 118.80 116.63 112.30 89.94
Income Tax – Total 41.60 40.39 40.20 37.23 28.20
Income After Tax 86.56 78.41 76.43 75.07 61.75
Net Income Before Extraordinary Items 86.56 78.41 76.43 75.07 61.75
Extraordinary Item -4.41
Total Extraordinary Items -4.41
Net Income 82.15 78.41 76.43 75.07 61.75
Income Available to Common Excluding Extraordinary Items 86.56 78.41 76.43 75.07 61.75
Income Available to Common Stocks Including Extraordinary Items 82.15 78.41 76.43 75.07 61.75
Basic Weighted Average Shares 43.58 43.24 43.84 43.88 41.93
Basic EPS Excluding Extraordinary Items 1.99 1.81 1.74 1.71 1.47
Basic EPS Including Extraordinary Items 1.89 1.81 1.74 1.71 1.47
Dilution Adjustment --
Diluted Net Income 82.15 78.41 76.43 75.07 61.75
Diluted Weighted Average Shares 43.91 43.62 44.39 44.40 42.35
Diluted EPS Excluding Extraordinary Items 1.97 1.80 1.72 1.69 1.46
Diluted EPS Including Extraordinary Items 1.87 1.80 1.72 1.69 1.46
DPS - Common Stock Primary Issue 0.92 0.90 0.87 0.84 0.81
Gross Dividends - Common Stock 40.10 38.88 38.15 36.91 33.52
Total Special Items -- -- 17.90 12.36
Normalized Income Before Taxes 128.16 118.80 116.63 130.21 102.31
Effect of Special Items on Income Taxes -- -- 5.93 3.88
Income Taxes Excluding Impact of Special Items 41.60 40.39 40.20 43.16 32.07
Normalized Income After Taxes 86.56 78.41 76.43 87.04 70.24
Normalized Income Available to Common 86.56 78.41 76.43 87.04 70.24
Basic Normalized EPS 1.99 1.81 1.74 1.98 1.68
Diluted Normalized EPS 1.97 1.80 1.72 1.96 1.66
Amortization of Intangibles, Supplemental 3.96 3.93 4.86 5.05 4.87
Depreciation, Supplemental 9.06 9.02 8.65 8.32 7.95
Rental Expense, Supplemental 8.50 7.80 7.90 8.00 7.50
Stock-Based Compensation, Supplemental 3.64 4.38 4.09 3.52 4.36
Advertising Expense, Supplemental 2.74 2.56 2.65 2.83 3.20
Audit-Related Fees, Supplemental 0.89 0.86 0.76 0.81
Audit-Related Fees 0.06 0.09 0.04 0.06
Tax Fees, Supplemental 0.00 0.05 0.15 0.07
All Other Fees Paid to Auditor, Supplemental 0.01 -- --
Pretax Margin 41.42 41.40 42.69 40.83 33.47
Effective Tax Rate 32.46 34.00 34.47 33.15 31.35
Net Profit Margin 27.98 27.33 27.97 27.29 22.98
Bank Total Revenue 404.80 380.15 371.09 377.91 341.29
Current Tax - Domestic 35.84 30.49 32.87 26.06 23.54
Current Tax - Local 6.60 5.63 4.33 2.82 2.32
Current Tax - Total 42.44 36.12 37.20 28.88 25.85
Deferred Tax - Domestic -0.56 3.99 2.52 6.65 2.33
Deferred Tax - Local -0.28 0.28 0.48 1.70 0.01
Deferred Tax - Total -0.84 4.27 3.00 8.35 2.34
Income Tax - Total 41.60 40.39 40.20 37.23 28.20
Interest Cost - Domestic 4.17 4.22 3.98 4.14 3.22
Service Cost - Domestic 1.51 2.16 2.68 2.29 2.49
Prior Service Cost - Domestic 0.05 0.03 0.02 0.02 0.02
Expected Return on Assets - Domestic -7.93 -7.43 -8.59 -8.68 -7.80
Actuarial Gains and Losses - Domestic 1.67 2.24 2.17 0.08 2.69
Curtailments & Settlements - Domestic -- -0.77 -0.15
Other Pension, Net - Domestic
Domestic Pension Plan Expense -0.54 0.45 0.11 -2.15 0.63
Interest Cost - Post-Retirement 0.36 0.35 0.37 0.35 0.29
Service Cost - Post-Retirement 0.01 0.01 0.02 0.02 0.02
Prior Service Cost - Post-Retirement 0.05 -0.06 -0.22 -0.21 -0.21
Expected Return on Assets - Post-Retirement -- -- -- -- --
Actuarial Gains and Losses - Post-Retirement 0.09 0.12 0.26 0.15 0.28
Curtailments & Settlements - Post-Retirement --
Transition Costs - Post-Retirement
Post-Retirement Plan Expense 0.51 0.43 0.44 0.31 0.38
Defined Contribution Expense - Domestic 2.20 2.10
Total Pension Expense -0.03 0.88 0.54 0.36 3.11
Discount Rate - Domestic 4.76 4.69 4.19 4.90 3.50
Expected Rate of Return - Domestic 7.00 7.00 7.50 7.50 7.50
Compensation Rate - Domestic 3.00 3.00 3.00 3.00 3.00
Total Plan Interest Cost 4.53 4.58 4.35 4.49 3.51
Total Plan Service Cost 1.52 2.18 2.69 2.31 2.52
Total Plan Expected Return -7.93 -7.43 -8.59 -8.68 -7.80
Total Plan Other Expense
Net Interest Margin, Total -% 3.47 3.43 3.50 3.61 3.66
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