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  Year Ending Dec 2021 (Update) Year Ending Dec 2020 (Update) Year Ending Dec 2019 (Update) Year Ending Dec 2018 (Update) Year Ending Dec 2017 (Update)
Interest & Fees on Loans 302.18 307.86 321.47 300.83 267.10
Interest & Dividends on Investment Securities 35.86 37.72 42.41 40.16 39.50
Other Interest Income 1.85 2.71 3.65 3.27 2.81
Interest Income, Bank 339.88 348.28 367.53 344.26 309.41
Interest on Deposit 10.71 22.07 39.99 22.14 14.48
Interest on Other Borrowings 8.07 10.53 15.99 16.48 11.44
Total Interest Expense 18.79 32.60 55.98 38.63 25.91
Net Interest Income 321.09 315.68 311.56 305.63 283.49
Loan Loss Provision -8.26 -- 25.41 28.83 30.99
Net Interest Income After Loan Loss Provision 329.35 315.68 286.14 276.80 252.51
Fees & Commissions from Operations 13.35 13.20 36.32 36.75 36.34
Insurance Commissions, Fees & Premiums 14.08 14.76 -- -- --
Credit Card Fees 31.30 25.96 23.89 22.70 21.37
Fees for Other Customer Services 42.19 35.85 30.39 26.99 20.21
Investment Securities Gains 0.57 -0.39 4.21 -6.34 2.69
Other Revenue 56.31 56.90 49.21 44.66 40.70
Non-Interest Income, Bank 157.79 146.28 144.02 124.76 121.30
Labor & Related Expenses -172.58 -161.93 -156.87 -151.69 -133.61
Amortization of Intangibles -2.81 -3.40 -3.58 -4.04 -3.96
Real Estate Operation Expense -2.92 -3.30 -4.16 -4.22 -4.76
Other Unusual Expense -- -51.13 -- -- --
Other Expense -108.98 -109.11 -110.13 -104.62 -103.32
Non-Interest Expense, Bank -287.28 -328.87 -274.73 -264.56 -245.65
Net Income Before Taxes 199.86 133.09 155.43 137.00 128.16
Income Tax – Total 44.97 28.70 34.41 29.76 41.60
Income After Tax 154.89 104.39 121.02 107.24 86.56
Net Income Before Extraordinary Items 154.89 104.39 121.02 107.24 86.56
Extraordinary Item -- -- -- 5.33 -4.41
Total Extraordinary Items -- -- -- 5.33 -4.41
Net Income 154.89 104.39 121.02 112.57 82.15
Income Available to Common Excluding Extraordinary Items 154.89 104.39 121.02 107.24 86.56
Income Available to Common Stocks Including Extraordinary Items 154.89 104.39 121.02 112.57 82.15
Basic Weighted Average Shares 43.42 43.69 43.82 43.70 43.58
Basic EPS Excluding Extraordinary Items 3.57 2.39 2.76 2.45 1.99
Basic EPS Including Extraordinary Items 3.57 2.39 2.76 2.58 1.89
Dilution Adjustment -- -- -- -- --
Diluted Net Income 154.89 104.39 121.02 112.57 82.15
Diluted Weighted Average Shares 43.72 43.99 44.12 44.02 43.91
Diluted EPS Excluding Extraordinary Items 3.54 2.37 2.74 2.44 1.97
Diluted EPS Including Extraordinary Items 3.54 2.37 2.74 2.56 1.87
DPS - Common Stock Primary Issue 1.10 1.08 1.05 0.99 0.92
Gross Dividends - Common Stock 47.74 47.21 46.01 43.27 40.10
Total Special Items -- 51.13 -- -- --
Normalized Income Before Taxes 199.86 184.22 155.43 137.00 128.16
Effect of Special Items on Income Taxes -- 11.03 -- -- --
Income Taxes Excluding Impact of Special Items 44.97 39.73 34.41 29.76 41.60
Normalized Income After Taxes 154.89 144.50 121.02 107.24 86.56
Normalized Income Available to Common 154.89 144.50 121.02 107.24 86.56
Basic Normalized EPS 3.57 3.31 2.76 2.45 1.99
Diluted Normalized EPS 3.54 3.28 2.74 2.44 1.97
Amortization of Intangibles, Supplemental 2.81 3.40 3.58 4.04 3.96
Depreciation, Supplemental 9.90 9.77 9.50 9.28 9.06
Rental Expense, Supplemental 7.18 7.38 9.83 8.60 8.50
Stock-Based Compensation, Supplemental 4.41 4.58 4.21 3.94 3.64
Advertising Expense, Supplemental 2.52 2.29 2.77 2.78 2.74
Audit-Related Fees, Supplemental 1.03 1.08 1.02 1.02 0.98
Audit-Related Fees 0.08 0.06 0.07 0.09 0.06
Tax Fees, Supplemental -- -- 0.00 0.00 0.00
All Other Fees Paid to Auditor, Supplemental 0.00 0.08 0.32 0.00 0.23
Pretax Margin 58.80 38.21 42.29 39.80 41.42
Effective Tax Rate 22.50 21.56 22.14 21.72 32.46
Net Profit Margin 45.57 29.97 32.93 31.15 27.98
Bank Total Revenue 478.88 461.95 455.58 430.39 404.80
Current Tax - Domestic 35.48 36.36 28.48 15.76 35.84
Current Tax - Local 8.63 9.77 7.65 5.98 6.60
Current Tax - Total 44.11 46.13 36.13 21.74 42.44
Deferred Tax - Domestic 0.51 -14.02 -1.38 7.61 -0.56
Deferred Tax - Local 0.36 -3.41 -0.34 0.42 -0.28
Deferred Tax - Total 0.86 -17.43 -1.72 8.02 -0.84
Income Tax - Total 44.97 28.70 34.41 29.76 41.60
Interest Cost - Domestic 2.72 3.24 3.94 3.65 4.17
Service Cost - Domestic 2.07 1.84 1.72 1.66 1.51
Prior Service Cost - Domestic 0.06 0.04 0.04 0.04 0.05
Expected Return on Assets - Domestic -8.79 -8.41 -7.48 -8.48 -7.93
Actuarial Gains and Losses - Domestic 1.26 1.54 2.59 0.93 1.67
Curtailments & Settlements - Domestic 0.00 -0.07 -- 0.00 0.00
Domestic Pension Plan Expense -2.68 -1.83 0.82 -2.20 -0.54
Interest Cost - Post-Retirement 0.16 0.21 0.27 0.33 0.36
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 0.05
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
Curtailments & Settlements - Post-Retirement -- -- -- -- --
Post-Retirement Plan Expense 0.22 0.27 0.33 0.51 0.51
Defined Contribution Expense - Domestic 3.90 3.60 3.60 -- --
Total Pension Expense 1.44 2.04 4.75 -1.69 -0.03
Discount Rate - Domestic 3.08 3.69 4.79 4.20 4.76
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 2.88 3.45 4.21 3.97 4.53
Total Plan Service Cost 2.08 1.85 1.73 1.67 1.52
Total Plan Expected Return -8.79 -8.41 -7.48 -8.48 -7.93
Net Interest Margin, Total -% 3.03 3.31 3.58 3.58 3.47
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