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  Year Ending Dec 2016 (Update) Year Ending Dec 2015 (Update) Year Ending Dec 2014 (Update) Year Ending Dec 2013 (Update) Year Ending Dec 2012 (Update)
Interest & Fees on Loans 250.99 241.83 243.32 238.67 208.46
Interest & Dividends on Investment Securities 33.89 29.65 29.73 28.17 29.38
Other Interest Income 2.07 1.75 2.03 1.88 1.56
Interest Income, Bank 286.95 273.22 275.08 268.72 239.40
Interest on Deposit 14.37 14.26 13.64 16.29 18.85
Interest on Other Borrowings 8.14 6.36 9.57 14.35 16.35
Total Interest Expense 22.51 20.62 23.20 30.64 35.19
Net Interest Income 264.44 252.61 251.88 238.08 204.20
Loan Loss Provision 25.43 18.29 19.54 22.42 20.27
Net Interest Income After Loan Loss Provision 239.01 234.32 232.34 215.66 183.93
Fees & Commissions from Operations 35.29 36.08 36.89 35.99 27.40
Credit Card Fees 19.45 18.25 17.14 15.56 12.36
Fees for Other Customer Services 16.06 14.15 12.13 11.50 10.10
Investment Securities Gains -0.64 7.27 19.49 1.43 0.60
Other Revenue 45.55 42.74 40.38 38.75 36.88
Non-Interest Income, Bank 115.71 118.48 126.03 103.22 87.33
Labor & Related Expenses -129.70 -124.32 -119.67 -113.58 -104.82
Amortization of Intangibles -3.93 -4.86 -5.05 -4.87 -3.39
Real Estate Operation Expense -3.46 -2.62 -3.25 -2.62 -2.56
Other Unusual Expense -- -- -17.90 -12.36 -2.61
Other Expense -98.83 -104.37 -100.20 -95.49 -80.51
Non-Interest Expense, Bank -235.92 -236.18 -246.06 -228.93 -193.89
Net Income Before Taxes 118.80 116.63 112.30 89.94 77.37
Income Tax – Total 40.39 40.20 37.23 28.20 22.82
Income After Tax 78.41 76.43 75.07 61.75 54.56
Net Income Before Extraordinary Items 78.41 76.43 75.07 61.75 54.56
Net Income 78.41 76.43 75.07 61.75 54.56
Income Available to Common Excluding Extraordinary Items 78.41 76.43 75.07 61.75 54.56
Income Available to Common Stocks Including Extraordinary Items 78.41 76.43 75.07 61.75 54.56
Basic Weighted Average Shares 43.24 43.84 43.88 41.93 33.38
Basic EPS Excluding Extraordinary Items 1.81 1.74 1.71 1.47 1.63
Basic EPS Including Extraordinary Items 1.81 1.74 1.71 1.47 1.63
Dilution Adjustment -- --
Diluted Net Income 78.41 76.43 75.07 61.75 54.56
Diluted Weighted Average Shares 43.62 44.39 44.40 42.35 33.72
Diluted EPS Excluding Extraordinary Items 1.80 1.72 1.69 1.46 1.62
Diluted EPS Including Extraordinary Items 1.80 1.72 1.69 1.46 1.62
DPS - Common Stock Primary Issue 0.90 0.87 0.84 0.81 0.80
Gross Dividends - Common Stock 38.88 38.15 36.91 33.52 26.71
Stock-Based Compensation, Supplemental 4.38 4.09 3.52 4.36 4.36
Depreciation, Supplemental 9.02 8.65 8.32 7.95 6.28
Total Special Items -- -- 17.90 12.36 2.61
Normalized Income Before Taxes 118.80 116.63 130.21 102.31 79.98
Effect of Special Items on Income Taxes -- -- 5.93 3.88 0.77
Income Taxes Excluding Impact of Special Items 40.39 40.20 43.16 32.07 23.59
Normalized Income After Taxes 78.41 76.43 87.04 70.24 56.40
Normalized Income Available to Common 78.41 76.43 87.04 70.24 56.40
Basic Normalized EPS 1.81 1.74 1.98 1.68 1.69
Diluted Normalized EPS 1.80 1.72 1.96 1.66 1.67
Amortization of Intangibles, Supplemental 3.93 4.86 5.05 4.87 3.39
Rental Expense, Supplemental 7.80 7.90 8.00 7.50 6.40
Advertising Expense, Supplemental 2.56 2.65 2.83 3.20 2.89
Audit-Related Fees, Supplemental 0.89 0.86 0.76 0.81 0.74
Audit-Related Fees 0.06 0.09 0.04 0.06 0.06
Tax Fees, Supplemental 0.00 0.05 0.15 0.07 0.04
All Other Fees Paid to Auditor, Supplemental 0.01 -- -- --
Pretax Margin 41.40 42.69 40.83 33.47 32.32
Effective Tax Rate 34.00 34.47 33.15 31.35 29.49
Net Profit Margin 27.33 27.97 27.29 22.98 22.79
Bank Total Revenue 380.15 371.09 377.91 341.29 291.53
Current Tax - Domestic 30.49 32.87 26.06 23.54 21.01
Current Tax - Local 5.63 4.33 2.82 2.32 1.82
Current Tax - Total 36.12 37.20 28.88 25.85 22.83
Deferred Tax - Domestic 3.99 2.52 6.65 2.33 -0.01
Deferred Tax - Local 0.28 0.48 1.70 0.01 0.00
Deferred Tax - Total 4.27 3.00 8.35 2.34 -0.01
Income Tax - Total 40.39 40.20 37.23 28.20 22.82
Interest Cost - Domestic 4.22 3.98 4.14 3.22 3.15
Service Cost - Domestic 2.16 2.68 2.29 2.49 3.12
Prior Service Cost - Domestic 0.03 0.02 0.02 0.02 0.28
Expected Return on Assets - Domestic -7.43 -8.59 -8.68 -7.80 -6.69
Actuarial Gains and Losses - Domestic 2.24 2.17 0.08 2.69 3.33
Curtailments & Settlements - Domestic -0.77 -0.15
Other Pension, Net - Domestic
Domestic Pension Plan Expense 0.45 0.11 -2.15 0.63 3.19
Interest Cost - Post-Retirement 0.35 0.37 0.35 0.29 0.16
Service Cost - Post-Retirement 0.01 0.02 0.02 0.02 0.02
Prior Service Cost - Post-Retirement -0.06 -0.22 -0.21 -0.21 -0.20
Expected Return on Assets - Post-Retirement -- -- -- --
Actuarial Gains and Losses - Post-Retirement 0.12 0.26 0.15 0.28 0.18
Curtailments & Settlements - Post-Retirement --
Transition Costs - Post-Retirement
Post-Retirement Plan Expense 0.43 0.44 0.31 0.38 0.16
Defined Contribution Expense - Domestic 2.20 2.10 1.80
Total Pension Expense 0.88 0.54 0.36 3.11 5.15
Discount Rate - Domestic 4.69 4.19 4.90 3.50 4.10
Discount Rate - Post-Retirement
Expected Rate of Return - Domestic 7.00 7.50 7.50 7.50 7.50
Compensation Rate - Domestic 3.00 3.00 3.00 3.00 3.00
Compensation Rate - Post-Retirement
Total Plan Interest Cost 4.58 4.35 4.49 3.51 3.30
Total Plan Service Cost 2.18 2.69 2.31 2.52 3.14
Total Plan Expected Return -7.43 -8.59 -8.68 -7.80 -6.69
Total Plan Other Expense
Net Interest Margin, Total -% 3.43 3.50 3.61 3.66 3.86
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