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  Year Ending Dec 2018 (Update) Year Ending Dec 2017 (Update) Year Ending Dec 2016 (Update) Year Ending Dec 2015 (Update) Year Ending Dec 2014 (Update)
Interest & Fees on Loans 300.83 267.10 250.99 241.83 243.32
Interest & Dividends on Investment Securities 40.16 39.50 33.89 29.65 29.73
Other Interest Income 3.27 2.81 2.07 1.75 2.03
Interest Income, Bank 344.26 309.41 286.95 273.22 275.08
Interest on Deposit 22.14 14.48 14.37 14.26 13.64
Interest on Other Borrowings 16.48 11.44 8.14 6.36 9.57
Total Interest Expense 38.63 25.91 22.51 20.62 23.20
Net Interest Income 305.63 283.49 264.44 252.61 251.88
Loan Loss Provision 28.83 30.99 25.43 18.29 19.54
Net Interest Income After Loan Loss Provision 276.80 252.51 239.01 234.32 232.34
Fees & Commissions from Operations 36.75 36.34 35.29 36.08 36.89
Credit Card Fees 22.70 21.37 19.45 18.25 17.14
Fees for Other Customer Services 26.99 20.21 16.06 14.15 12.13
Investment Securities Gains -6.34 2.69 -0.64 7.27 19.49
Other Revenue 44.66 40.70 45.55 42.74 40.38
Non-Interest Income, Bank 124.76 121.30 115.71 118.48 126.03
Labor & Related Expenses -151.69 -133.61 -129.70 -124.32 -119.67
Amortization of Intangibles -4.04 -3.96 -3.93 -4.86 -5.05
Real Estate Operation Expense -4.22 -4.76 -3.46 -2.62 -3.25
Other Unusual Expense -- -- 0.00 0.00 -17.90
Other Expense -104.62 -103.32 -98.83 -104.37 -100.20
Non-Interest Expense, Bank -264.56 -245.65 -235.92 -236.18 -246.06
Net Income Before Taxes 137.00 128.16 118.80 116.63 112.30
Income Tax – Total 29.76 41.60 40.39 40.20 37.23
Income After Tax 107.24 86.56 78.41 76.43 75.07
Net Income Before Extraordinary Items 107.24 86.56 78.41 76.43 75.07
Extraordinary Item 5.33 -4.41 -- -- --
Total Extraordinary Items 5.33 -4.41 -- -- --
Net Income 112.57 82.15 78.41 76.43 75.07
Income Available to Common Excluding Extraordinary Items 107.24 86.56 78.41 76.43 75.07
Income Available to Common Stocks Including Extraordinary Items 112.57 82.15 78.41 76.43 75.07
Basic Weighted Average Shares 43.70 43.58 43.24 43.84 43.88
Basic EPS Excluding Extraordinary Items 2.45 1.99 1.81 1.74 1.71
Basic EPS Including Extraordinary Items 2.58 1.89 1.81 1.74 1.71
Dilution Adjustment -- -- -- -- --
Diluted Net Income 112.57 82.15 78.41 76.43 75.07
Diluted Weighted Average Shares 44.02 43.91 43.62 44.39 44.40
Diluted EPS Excluding Extraordinary Items 2.44 1.97 1.80 1.72 1.69
Diluted EPS Including Extraordinary Items 2.56 1.87 1.80 1.72 1.69
DPS - Common Stock Primary Issue 0.99 0.92 0.90 0.87 0.84
Gross Dividends - Common Stock 43.27 40.10 38.88 38.15 36.91
Total Special Items -- -- 0.00 0.00 17.90
Normalized Income Before Taxes 137.00 128.16 118.80 116.63 130.21
Effect of Special Items on Income Taxes -- -- 0.00 0.00 5.93
Income Taxes Excluding Impact of Special Items 29.76 41.60 40.39 40.20 43.16
Normalized Income After Taxes 107.24 86.56 78.41 76.43 87.04
Normalized Income Available to Common 107.24 86.56 78.41 76.43 87.04
Basic Normalized EPS 2.45 1.99 1.81 1.74 1.98
Diluted Normalized EPS 2.44 1.97 1.80 1.72 1.96
Amortization of Intangibles, Supplemental 4.04 3.96 3.93 4.86 5.05
Depreciation, Supplemental 9.28 9.06 9.02 8.65 8.32
Rental Expense, Supplemental 8.60 8.50 7.80 7.90 8.00
Stock-Based Compensation, Supplemental 3.94 3.64 4.38 4.09 3.52
Advertising Expense, Supplemental 2.78 2.74 2.56 2.65 2.83
Audit-Related Fees, Supplemental 1.02 0.98 0.89 0.86 0.76
Audit-Related Fees 0.09 0.06 0.06 0.09 0.04
Tax Fees, Supplemental 0.00 0.00 0.00 0.05 0.15
All Other Fees Paid to Auditor, Supplemental 0.00 0.23 0.01 -- 0.00
Pretax Margin 39.80 41.42 41.40 42.69 40.83
Effective Tax Rate 21.72 32.46 34.00 34.47 33.15
Net Profit Margin 31.15 27.98 27.33 27.97 27.29
Bank Total Revenue 430.39 404.80 380.15 371.09 377.91
Current Tax - Domestic 15.76 35.84 30.49 32.87 26.06
Current Tax - Local 5.98 6.60 5.63 4.33 2.82
Current Tax - Total 21.74 42.44 36.12 37.20 28.88
Deferred Tax - Domestic 7.61 -0.56 3.99 2.52 6.65
Deferred Tax - Local 0.42 -0.28 0.28 0.48 1.70
Deferred Tax - Total 8.02 -0.84 4.27 3.00 8.35
Income Tax - Total 29.76 41.60 40.39 40.20 37.23
Interest Cost - Domestic 3.65 4.17 4.22 3.98 4.14
Service Cost - Domestic 1.66 1.51 2.16 2.68 2.29
Prior Service Cost - Domestic 0.04 0.05 0.03 0.02 0.02
Expected Return on Assets - Domestic -8.48 -7.93 -7.43 -8.59 -8.68
Actuarial Gains and Losses - Domestic 0.93 1.67 2.24 2.17 0.08
Curtailments & Settlements - Domestic 0.00 0.00 -0.77 -0.15 --
Other Pension, Net - Domestic -- -- -- -- --
Domestic Pension Plan Expense -2.20 -0.54 0.45 0.11 -2.15
Interest Cost - Post-Retirement 0.33 0.36 0.35 0.37 0.35
Service Cost - Post-Retirement 0.01 0.01 0.01 0.02 0.02
Prior Service Cost - Post-Retirement 0.05 0.05 -0.06 -0.22 -0.21
Expected Return on Assets - Post-Retirement 0.00 0.00 0.00 0.00 0.00
Actuarial Gains and Losses - Post-Retirement 0.12 0.09 0.12 0.26 0.15
Curtailments & Settlements - Post-Retirement -- -- -- 0.00 --
Transition Costs - Post-Retirement -- -- -- -- --
Post-Retirement Plan Expense 0.51 0.51 0.43 0.44 0.31
Defined Contribution Expense - Domestic -- -- -- -- 2.20
Total Pension Expense -1.69 -0.03 0.88 0.54 0.36
Discount Rate - Domestic 4.20 4.76 4.69 4.19 4.90
Expected Rate of Return - Domestic 7.00 7.00 7.00 7.50 7.50
Compensation Rate - Domestic 3.00 3.00 3.00 3.00 3.00
Total Plan Interest Cost 3.97 4.53 4.58 4.35 4.49
Total Plan Service Cost 1.67 1.52 2.18 2.69 2.31
Total Plan Expected Return -8.48 -7.93 -7.43 -8.59 -8.68
Total Plan Other Expense -- -- -- -- --
Net Interest Margin, Total -% 3.58 3.47 3.43 3.50 3.61
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