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  Year Ending Dec 2019 (Update) Year Ending Dec 2018 (Update) Year Ending Dec 2017 (Update) Year Ending Dec 2016 (Update) Year Ending Dec 2015 (Update)
Interest & Fees on Loans 321.47 300.83 267.10 250.99 241.83
Interest & Dividends on Investment Securities 42.41 40.16 39.50 33.89 29.65
Other Interest Income 3.65 3.27 2.81 2.07 1.75
Interest Income, Bank 367.53 344.26 309.41 286.95 273.22
Interest on Deposit 39.99 22.14 14.48 14.37 14.26
Interest on Other Borrowings 15.99 16.48 11.44 8.14 6.36
Total Interest Expense 55.98 38.63 25.91 22.51 20.62
Net Interest Income 311.56 305.63 283.49 264.44 252.61
Loan Loss Provision 25.41 28.83 30.99 25.43 18.29
Net Interest Income After Loan Loss Provision 286.14 276.80 252.51 239.01 234.32
Fees & Commissions from Operations 36.32 36.75 36.34 35.29 36.08
Credit Card Fees 23.89 22.70 21.37 19.45 18.25
Fees for Other Customer Services 30.39 26.99 20.21 16.06 14.15
Investment Securities Gains 4.21 -6.34 2.69 -0.64 7.27
Other Revenue 49.21 44.66 40.70 45.55 42.74
Non-Interest Income, Bank 144.02 124.76 121.30 115.71 118.48
Labor & Related Expenses -156.87 -151.69 -133.61 -129.70 -124.32
Amortization of Intangibles -3.58 -4.04 -3.96 -3.93 -4.86
Real Estate Operation Expense -4.16 -4.22 -4.76 -3.46 -2.62
Other Unusual Expense -- -- -- 0.00 0.00
Other Expense -110.13 -104.62 -103.32 -98.83 -104.37
Non-Interest Expense, Bank -274.73 -264.56 -245.65 -235.92 -236.18
Net Income Before Taxes 155.43 137.00 128.16 118.80 116.63
Income Tax – Total 34.41 29.76 41.60 40.39 40.20
Income After Tax 121.02 107.24 86.56 78.41 76.43
Net Income Before Extraordinary Items 121.02 107.24 86.56 78.41 76.43
Extraordinary Item -- 5.33 -4.41 -- --
Total Extraordinary Items -- 5.33 -4.41 -- --
Net Income 121.02 112.57 82.15 78.41 76.43
Income Available to Common Excluding Extraordinary Items 121.02 107.24 86.56 78.41 76.43
Income Available to Common Stocks Including Extraordinary Items 121.02 112.57 82.15 78.41 76.43
Basic Weighted Average Shares 43.82 43.70 43.58 43.24 43.84
Basic EPS Excluding Extraordinary Items 2.76 2.45 1.99 1.81 1.74
Basic EPS Including Extraordinary Items 2.76 2.58 1.89 1.81 1.74
Dilution Adjustment -- -- -- -- --
Diluted Net Income 121.02 112.57 82.15 78.41 76.43
Diluted Weighted Average Shares 44.12 44.02 43.91 43.62 44.39
Diluted EPS Excluding Extraordinary Items 2.74 2.44 1.97 1.80 1.72
Diluted EPS Including Extraordinary Items 2.74 2.56 1.87 1.80 1.72
DPS - Common Stock Primary Issue 1.05 0.99 0.92 0.90 0.87
Gross Dividends - Common Stock 46.01 43.27 40.10 38.88 38.15
Total Special Items -- -- -- 0.00 0.00
Normalized Income Before Taxes 155.43 137.00 128.16 118.80 116.63
Effect of Special Items on Income Taxes -- -- -- 0.00 0.00
Income Taxes Excluding Impact of Special Items 34.41 29.76 41.60 40.39 40.20
Normalized Income After Taxes 121.02 107.24 86.56 78.41 76.43
Normalized Income Available to Common 121.02 107.24 86.56 78.41 76.43
Basic Normalized EPS 2.76 2.45 1.99 1.81 1.74
Diluted Normalized EPS 2.74 2.44 1.97 1.80 1.72
Amortization of Intangibles, Supplemental 3.58 4.04 3.96 3.93 4.86
Depreciation, Supplemental 9.50 9.28 9.06 9.02 8.65
Rental Expense, Supplemental 9.83 8.60 8.50 7.80 7.90
Stock-Based Compensation, Supplemental 4.21 3.94 3.64 4.38 4.09
Advertising Expense, Supplemental 2.77 2.78 2.74 2.56 2.65
Audit-Related Fees, Supplemental -- 1.02 0.98 0.89 0.86
Audit-Related Fees -- 0.09 0.06 0.06 0.09
Tax Fees, Supplemental -- 0.00 0.00 0.00 0.05
All Other Fees Paid to Auditor, Supplemental -- 0.00 0.23 0.01 --
Pretax Margin 42.29 39.80 41.42 41.40 42.69
Effective Tax Rate 22.14 21.72 32.46 34.00 34.47
Net Profit Margin 32.93 31.15 27.98 27.33 27.97
Bank Total Revenue 455.58 430.39 404.80 380.15 371.09
Current Tax - Domestic 28.48 15.76 35.84 30.49 32.87
Current Tax - Local 7.65 5.98 6.60 5.63 4.33
Current Tax - Total 36.13 21.74 42.44 36.12 37.20
Deferred Tax - Domestic -1.38 7.61 -0.56 3.99 2.52
Deferred Tax - Local -0.34 0.42 -0.28 0.28 0.48
Deferred Tax - Total -1.72 8.02 -0.84 4.27 3.00
Income Tax - Total 34.41 29.76 41.60 40.39 40.20
Interest Cost - Domestic 3.94 3.65 4.17 4.22 3.98
Service Cost - Domestic 1.72 1.66 1.51 2.16 2.68
Prior Service Cost - Domestic 0.04 0.04 0.05 0.03 0.02
Expected Return on Assets - Domestic -7.48 -8.48 -7.93 -7.43 -8.59
Actuarial Gains and Losses - Domestic 2.59 0.93 1.67 2.24 2.17
Curtailments & Settlements - Domestic -- 0.00 0.00 -0.77 -0.15
Other Pension, Net - Domestic -- -- -- -- --
Domestic Pension Plan Expense 0.82 -2.20 -0.54 0.45 0.11
Interest Cost - Post-Retirement 0.27 0.33 0.36 0.35 0.37
Service Cost - Post-Retirement 0.01 0.01 0.01 0.01 0.02
Prior Service Cost - Post-Retirement 0.05 0.05 0.05 -0.06 -0.22
Expected Return on Assets - Post-Retirement 0.00 0.00 0.00 0.00 0.00
Actuarial Gains and Losses - Post-Retirement 0.00 0.12 0.09 0.12 0.26
Curtailments & Settlements - Post-Retirement -- -- -- -- 0.00
Transition Costs - Post-Retirement -- -- -- -- --
Post-Retirement Plan Expense 0.33 0.51 0.51 0.43 0.44
Defined Contribution Expense - Domestic 3.60 -- -- -- --
Total Pension Expense 4.75 -1.69 -0.03 0.88 0.54
Discount Rate - Domestic 4.79 4.20 4.76 4.69 4.19
Expected Rate of Return - Domestic 7.00 7.00 7.00 7.00 7.50
Compensation Rate - Domestic 3.00 3.00 3.00 3.00 3.00
Total Plan Interest Cost 4.21 3.97 4.53 4.58 4.35
Total Plan Service Cost 1.73 1.67 1.52 2.18 2.69
Total Plan Expected Return -7.48 -8.48 -7.93 -7.43 -8.59
Total Plan Other Expense -- -- -- -- --
Net Interest Margin, Total -% 3.58 3.58 3.47 3.43 3.50
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