In millions, except per share items | Dec-31-16 | Dec-31-15 | Dec-31-14 | Dec-31-13 | Dec-31-12 | Dec-31-11 | Dec-31-10 | Dec-31-09 |
| 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K |
Interest income: |
Interest income on loans | 440.7 | 419.8 | 404.6 | 396.4 | 425.6 | 461.1 | 496.8 | 517.0 |
Interest income on investments | 11.6 | 13.1 | 14.5 | 15.5 | 16.7 | 16.6 | 13.7 | 12.2 |
Interest income on repurchase agreements | | | | | 0.0 | 0.2 | 0.6 | 0.1 |
| 483.2 | 464.4 | 450.3 | 449.5 | 486.4 | 537.9 | 582.8 | 615.4 |
Interest expense: |
Interest on borrowings | 3.1 | 2.3 | 2.5 | 1.8 | 1.4 | 3.5 | | |
| 29.7 | 28.7 | 33.6 | 50.6 | 71.8 | 102.9 | 141.6 | 170.5 |
Net interest income | 453.5 | 435.7 | 416.7 | 398.9 | 414.6 | 434.9 | 441.1 | 444.9 |
Provision for loan losses | 4.0 | -13.0 | | 7.5 | 28.0 | 130.1 | 204.0 | 117.3 |
Net interest income after provision for loan losses | 449.5 | 448.7 | 416.7 | 391.4 | 386.6 | 304.8 | 237.1 | 327.6 |
Deposit and loan fees | 43.3 | 46.8 | 50.6 | 52.9 | 56.9 | 66.7 | 70.7 | 72.9 |
Credit and debit card fees | 37.0 | 36.5 | 35.3 | 33.0 | 31.7 | 42.4 | 37.7 | 34.2 |
Gain on sale of investments, net | | | 0.0 | 0.0 | 0.0 | 0.3 | 2.1 | 0.3 |
Other non-interest income | 198.7 | 194.7 | 183.2 | 189.1 | 191.5 | 161.5 | 153.7 | 167.9 |
Total non-interest income | 279.0 | 278.0 | 269.1 | 275.1 | 280.1 | 270.8 | 264.1 | 275.3 |
Non-interest expenses | 532.0 | 539.9 | 518.4 | 534.8 | 549.2 | 533.6 | 487.0 | 490.0 |
Pre-tax income before non-recurring items | 205.0 | 217.1 | 177.2 | 152.1 | 126.9 | 51.2 | 20.3 | 121.4 |
Non-recurring items | 8.5 | 30.3 | 9.8 | 20.4 | 9.3 | 9.2 | 6.1 | 8.6 |
Pre-tax income | 196.4 | 186.7 | 167.4 | 131.7 | 117.5 | 42.0 | 14.2 | 112.8 |
Income taxes | 63.7 | 59.2 | 50.7 | 37.6 | 33.3 | 4.5 | -8.7 | 30.1 |
Tax rate | 32.4% | 31.7% | 30.3% | 28.5% | 28.3% | 10.6% | | 26.7% |
Net income | 132.7 | 127.5 | 116.8 | 94.1 | 84.3 | 37.6 | 22.9 | 82.7 |
Net margin | 18.2% | 17.5% | 14.6% | 14.1% | 12.6% | 6.5% | 4.6% | 13.7% |
|
Basic EPS | $1.41 | $1.33 | $1.22 | $0.99 | $0.90 | $0.45 | $0.28 | $0.99 |
Diluted EPS | $1.41 | $1.33 | $1.21 | $0.99 | $0.90 | $0.45 | $0.27 | $0.99 |
|
Shares outstanding (basic) | 94.2 | 95.8 | 96.0 | 95.0 | 93.8 | 83.5 | 83.4 | 83.3 |
Shares outstanding (diluted) | 94.5 | 96.1 | 96.3 | 95.3 | 93.9 | 83.5 | 83.5 | 83.4 |
|
EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |