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FINANCIAL HIGHLIGHTS

 
(Unaudited) For the three months ended  
(000s, except Percentage, Multiples, and Per Share amounts)   March 31
2015
  December 31
2014
  March 31
2014

OPERATING RESULTS
           
Net Income   $ 72,286 $ 95,936 $ 69,736
Adjusted Net Income1   72,286   71,917   69,736
Net Interest Income    115,524 116,416 110,387
Total Adjusted Revenue1   249,232   251,917   247,900
Diluted Earnings per Share   $ 1.03 $ 1.36 $ 1.00
Adjusted Diluted Earnings per Share1  $ 1.03  $ 1.02  $ 1.00
Return on Shareholders' Equity   19.7%   27.2%   23.1%
Adjusted Return on Shareholder's Equity1   19.7%   20.4%   23.1%
Return on Average Assets   1.4%   1.9%   1.4%
Net Interest Margin (TEB) 2   2.28%   2.27%   2.19%
Provision as a Percentage of Gross Uninsured Loans (annualized)   0.07%   0.09%   0.11%
Provision as a Percentage of Gross Loans (annualized)   0.05%   0.07%   0.07%
Efficiency Ratio (TEB)2   30.4%   22.9%   28.5%
Adjusted Efficiency Ratio (TEB)1,2   30.4%   28.2%   28.5%

 

1The Company has redefined its definition of Adjusted Net Income, Total Adjusted Revenue, Adjusted Diluted Earnings per Share, Adjusted Return on Shareholders’ Equity and Adjusted Efficiency Ratio. See the definitions under Non-GAAP measures in the unaudited interim consolidated financial report.
2See definition of Taxable Equivalent Basis (TEB) under Non-GAAP Measures in the unaudited interim consolidated financial report.