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  Year Ending Dec 2020 (Update) Year Ending Dec 2019 (Update) Year Ending Dec 2018 (Update) Year Ending Dec 2017 (Update) Year Ending Dec 2016 (Update)
Interest & Fees on Loans 307.86 321.47 300.83 267.10 250.99
Interest & Dividends on Investment Securities 37.72 42.41 40.16 39.50 33.89
Other Interest Income 2.71 3.65 3.27 2.81 2.07
Interest Income, Bank 348.28 367.53 344.26 309.41 286.95
Interest on Deposit 22.07 39.99 22.14 14.48 14.37
Interest on Other Borrowings 10.53 15.99 16.48 11.44 8.14
Total Interest Expense 32.60 55.98 38.63 25.91 22.51
Net Interest Income 315.68 311.56 305.63 283.49 264.44
Loan Loss Provision -- 25.41 28.83 30.99 25.43
Net Interest Income After Loan Loss Provision 315.68 286.14 276.80 252.51 239.01
Fees & Commissions from Operations 13.20 36.32 36.75 36.34 35.29
Insurance Commissions, Fees & Premiums 14.76 -- -- -- --
Credit Card Fees 25.96 23.89 22.70 21.37 19.45
Fees for Other Customer Services 35.85 30.39 26.99 20.21 16.06
Investment Securities Gains -0.39 4.21 -6.34 2.69 -0.64
Other Revenue 56.90 49.21 44.66 40.70 45.55
Non-Interest Income, Bank 146.28 144.02 124.76 121.30 115.71
Labor & Related Expenses -161.93 -156.87 -151.69 -133.61 -129.70
Amortization of Intangibles -3.40 -3.58 -4.04 -3.96 -3.93
Real Estate Operation Expense -3.30 -4.16 -4.22 -4.76 -3.46
Other Unusual Expense -51.13 -- -- -- 0.00
Other Expense -109.11 -110.13 -104.62 -103.32 -98.83
Non-Interest Expense, Bank -328.87 -274.73 -264.56 -245.65 -235.92
Net Income Before Taxes 133.09 155.43 137.00 128.16 118.80
Income Tax – Total 28.70 34.41 29.76 41.60 40.39
Income After Tax 104.39 121.02 107.24 86.56 78.41
Net Income Before Extraordinary Items 104.39 121.02 107.24 86.56 78.41
Extraordinary Item -- -- 5.33 -4.41 --
Total Extraordinary Items -- -- 5.33 -4.41 --
Net Income 104.39 121.02 112.57 82.15 78.41
Income Available to Common Excluding Extraordinary Items 104.39 121.02 107.24 86.56 78.41
Income Available to Common Stocks Including Extraordinary Items 104.39 121.02 112.57 82.15 78.41
Basic Weighted Average Shares 43.69 43.82 43.70 43.58 43.24
Basic EPS Excluding Extraordinary Items 2.39 2.76 2.45 1.99 1.81
Basic EPS Including Extraordinary Items 2.39 2.76 2.58 1.89 1.81
Dilution Adjustment -- -- -- -- --
Diluted Net Income 104.39 121.02 112.57 82.15 78.41
Diluted Weighted Average Shares 43.99 44.12 44.02 43.91 43.62
Diluted EPS Excluding Extraordinary Items 2.37 2.74 2.44 1.97 1.80
Diluted EPS Including Extraordinary Items 2.37 2.74 2.56 1.87 1.80
DPS - Common Stock Primary Issue 1.08 1.05 0.99 0.92 0.90
Gross Dividends - Common Stock 47.21 46.01 43.27 40.10 38.88
Total Special Items 51.13 -- -- -- 0.00
Normalized Income Before Taxes 184.22 155.43 137.00 128.16 118.80
Effect of Special Items on Income Taxes 11.03 -- -- -- 0.00
Income Taxes Excluding Impact of Special Items 39.73 34.41 29.76 41.60 40.39
Normalized Income After Taxes 144.50 121.02 107.24 86.56 78.41
Normalized Income Available to Common 144.50 121.02 107.24 86.56 78.41
Basic Normalized EPS 3.31 2.76 2.45 1.99 1.81
Diluted Normalized EPS 3.28 2.74 2.44 1.97 1.80
Amortization of Intangibles, Supplemental 3.40 3.58 4.04 3.96 3.93
Depreciation, Supplemental 9.77 9.50 9.28 9.06 9.02
Rental Expense, Supplemental 7.38 9.83 8.60 8.50 7.80
Stock-Based Compensation, Supplemental 4.58 4.21 3.94 3.64 4.38
Advertising Expense, Supplemental 2.29 2.77 2.78 2.74 2.56
Audit-Related Fees, Supplemental -- 1.02 1.02 0.98 0.89
Audit-Related Fees -- 0.07 0.09 0.06 0.06
Tax Fees, Supplemental -- 0.00 0.00 0.00 0.00
All Other Fees Paid to Auditor, Supplemental -- 0.32 0.00 0.23 0.01
Pretax Margin 38.21 42.29 39.80 41.42 41.40
Effective Tax Rate 21.56 22.14 21.72 32.46 34.00
Net Profit Margin 29.97 32.93 31.15 27.98 27.33
Bank Total Revenue 461.95 455.58 430.39 404.80 380.15
Current Tax - Domestic 36.36 28.48 15.76 35.84 30.49
Current Tax - Local 9.77 7.65 5.98 6.60 5.63
Current Tax - Total 46.13 36.13 21.74 42.44 36.12
Deferred Tax - Domestic -14.02 -1.38 7.61 -0.56 3.99
Deferred Tax - Local -3.41 -0.34 0.42 -0.28 0.28
Deferred Tax - Total -17.43 -1.72 8.02 -0.84 4.27
Income Tax - Total 28.70 34.41 29.76 41.60 40.39
Interest Cost - Domestic 3.24 3.94 3.65 4.17 4.22
Service Cost - Domestic 1.84 1.72 1.66 1.51 2.16
Prior Service Cost - Domestic 0.04 0.04 0.04 0.05 0.03
Expected Return on Assets - Domestic -8.41 -7.48 -8.48 -7.93 -7.43
Actuarial Gains and Losses - Domestic 1.54 2.59 0.93 1.67 2.24
Curtailments & Settlements - Domestic -0.07 -- 0.00 0.00 -0.77
Other Pension, Net - Domestic -- -- -- -- --
Domestic Pension Plan Expense -1.83 0.82 -2.20 -0.54 0.45
Interest Cost - Post-Retirement 0.21 0.27 0.33 0.36 0.35
Service Cost - Post-Retirement 0.01 0.01 0.01 0.01 0.01
Prior Service Cost - Post-Retirement 0.05 0.05 0.05 0.05 -0.06
Expected Return on Assets - Post-Retirement -- 0.00 0.00 0.00 0.00
Actuarial Gains and Losses - Post-Retirement -- 0.00 0.12 0.09 0.12
Curtailments & Settlements - Post-Retirement -- -- -- -- --
Transition Costs - Post-Retirement -- -- -- -- --
Post-Retirement Plan Expense 0.27 0.33 0.51 0.51 0.43
Defined Contribution Expense - Domestic 3.60 3.60 -- -- --
Total Pension Expense 2.04 4.75 -1.69 -0.03 0.88
Discount Rate - Domestic 3.69 4.79 4.20 4.76 4.69
Expected Rate of Return - Domestic 7.00 7.00 7.00 7.00 7.00
Compensation Rate - Domestic 3.00 3.00 3.00 3.00 3.00
Total Plan Interest Cost 3.45 4.21 3.97 4.53 4.58
Total Plan Service Cost 1.85 1.73 1.67 1.52 2.18
Total Plan Expected Return -8.41 -7.48 -8.48 -7.93 -7.43
Total Plan Other Expense -- -- -- -- --
Net Interest Margin, Total -% 3.31 3.58 3.58 3.47 3.43
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