EX-25 10 ex25.txt FORM T-1 STATEMENT OF ELIGIBILITY EXHIBIT 25 SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 --------------------- FORM T-1 STATEMENT OF ELIGIBILITY UNDER THE TRUST INDENTURE ACT OF 1939 OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE CHECK IF AN APPLICATION TO DETERMINE ELIGIBILITY OF A TRUSTEE PURSUANT TO SECTION 305(B)(2)__________ --------------------- SUNTRUST BANK (Exact name of trustee as specified in its charter) State of Georgia 58-0466330 (State of incorporation if (I.R.S. Employer not a U.S. national bank) Identification Number) 303 Peachtree Street, NE Atlanta, GA 30308 (Address of trustee's principal (Zip Code) executive offices) Jonathan D. Rich, Esq. Holland & Knight LLP 200 South Orange Avenue, Suite 2600, Orlando, FL 32801 (407) 244-1105 (Name, address and telephone number of agent for service) --------------------- FLORIDA PUBLIC UTILITIES COMPANY (Exact name of obligor as specified in its charter) FLORIDA 59-539080 (State of incorporation) (IRS Employer Identification No.) 401 SOUTH DIXIE HIGHWAY 33401 WEST PALM BEACH, FL (Zip Code) (Address of principal executive offices) --------------------- ___% SECURED INSURED QUARTERLY NOTES DUE 2031 (Title of indenture securities) Item 1. General Information. Furnish the following information as to ------------------- the trustee: (a) Name and address of each examining or supervising authority to which it is subject. Name Address ---- ------- Georgia Department of Banking Atlanta, GA and Finance The Board of Governors of the Federal Reserve System Corporation Washington, D.C. Federal Deposit Insurance Washington, D.C. Corporation (b) Whether it is authorized to exercise corporate trust powers. Yes. Item 2. Affiliations with the Obligor. If the obligor or any ------------------------------- underwriter for the obligor is an affiliate of the trustee, describe each such affiliation. None. Item 16. List of Exhibits. ---------------- List below all exhibits filed as a part of this statement of eligibility. Exhibit 1 - Copy of the articles of incorporation of the Trustee as now in effect (see Exhibit 1 to Form T-1 filed in connection with Registration Statement No. 333-62338 (Form S-3, Rock-Tenn Company), which is incorporated by reference). Exhibit 2 - Copy of the certificate of authority of the Trustee to commence business (see Exhibit 2 to Form T-1 filed in connection with Registration Statement No. 333-62338 (Form S-3, Rock-Tenn Company), which is incorporated by reference). Exhibit 3 - Copy of the authorization of the Trustee to exercise corporate trust powers (see Exhibit 3 to Form T-1 filed in connection with Registration Statement No. 333-62338 (Form S-3, Rock-Tenn Company), which is incorporated by reference). Exhibit 4 - Copy of the existing bylaws of the Trustee (see Exhibit 4 to Form T-1 filed in connection with Registration Statement No. 333-62338 (Form S-3, Rock-Tenn Company), which is incorporated by reference). Exhibit 5 - Not applicable. 2 Exhibit 6 - The consent of the Trustee required by Section 321 (6) of the Trust Indenture Act of 1939. Exhibit 7 - Copy of the latest report of condition of the Trustee, published pursuant to law or the requirements of its supervising or examining authority. Exhibit 8 - Not applicable. Exhibit 9 - Not applicable. SIGNATURE --------- Pursuant to the requirements of the Trust Indenture Act of 1939, the Trustee, SunTrust Bank, a banking corporation organized and existing under the laws of the State of Georgia, has duly caused this statement of eligibility to be signed on its behalf by the undersigned, thereunto duly authorized, all in the City of Orlando, State of Florida, on the 30th day of August, 2001. SUNTRUST BANK By: /s/ Lisa Derryberry ------------------------------------------ Lisa Derryberry Vice President EXHIBIT 6 --------- Consent of Trustee Pursuant to the requirements of Section 321 (b) of the Trust Indenture Act of 1939, in connection with the proposed issuance of debt securities of Florida Public Utilities Company, SunTrust Bank hereby consents that reports of examinations by Federal, State, Territorial or District Authorities may be furnished by such authorities to the Securities and Exchange Commission upon request therefor. SUNTRUST BANK By: /s/ Lisa Derryberry ------------------------------------------ Lisa Derryberry Vice President EXHIBIT 7 --------- Report of Condition of SunTrust Bank ------------ Board of Governors of the Federal Reserve System 0808017 1163 OMB Number: 7100-0036 Federal Deposit Insurance Corporation OMB Number: 3064-0052 Office of the Comptroller of the Currency OMB Number: 1557-0081 FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL Expires March 31, 2004 ------------------------------------------------------------------------------------------------------------------- 1 Please refer to page i, Table of Contents, for the required disclosure of estimated burden. ------------------------------------------------------------------------------------------------------------------- CONSOLIDATED REPORTS OF CONDITION AND INCOME FOR A BANK WITH DOMESTIC AND FOREIGN OFFICES--FFIEC 031 REPORT AT THE CLOSE OF BUSINESS JUNE 30, 2001 20010630 ---------------- (RCRI 9999) This report is required by law: 12 U.S.C. Section 324 This report form is to be filed by banks with domestic (State member banks); 12 U.S.C. Section 1817 (State offices only. Banks with foreign offices (as defined nonmember banks); and 12 U.S.C. Section 161 (National in the instructions) must file FFIEC 031. banks). ------------------------------------------------------------------------------------------------------------------- NOTE: The Reports of Condition and Income must be The Reports of Condition and Income are to be signed by an authorized officer and the Report of prepared in accordance with Federal regulatory Condition must be attested to by not less than two authority instructions. directors (trustees) for State nonmember banks and three directors for State member and National banks. We, the undersigned directors (trustees), attest to the correctness of the Report of Condition (including I, WILLIAM P. OHALLORAN, SVP & CONTROLLER the supporting schedules) for this report date and ----------------------------------------------------- declare that it has been examined by us and to the Name and Title of Officer Authorized to Sign Report best of our knowledge and belief has been prepared in conformance with the instructions issued by the of the named bank do hereby declare that the Reports appropriate Federal regulatory authority and is true of Condition and Income (including the supporting and correct. schedules) for this report date have been prepared in conformance with the instructions issued by the /s/ signature appropriate Federal regulatory authority and are true ------------------------------------------------------- to the best of my knowledge and belief. Director (Trustee) /s/ W. P. OHalloran /s/ James B. Williams ----------------------------------------------------- ------------------------------------------------------- Signature of Officer Authorized to Sign Report Director (Trustee) 07/26/2001 /s/ signature ----------------------------------------------------- ------------------------------------------------------- Date of Signature Director (Trustee) ------------------------------------------------------------------------------------------------------------------- SUBMISSION OF REPORTS (if other than EDS) must transmit the bank's computer data file to EDS. Each bank must prepare its Reports of Condition and Income either: For electronic filing assistance, contact EDS Call Report Services, 2150 N. Prospect Ave., Milwaukee, (a) in electronic form and then file the computer WI 53202, telephone (800) 255-1571. data file directly with the banking agencies' collection agent, Electronic Data Systems To fulfill the signature and attestation requirement Corporation (EDS), by modem or on computer for the Reports of Condition and Income for this diskette; or report date, attach this signature page (or a (b) in hard-copy (paper) form and arrange for another photocopy or a computer-generated version of this party to convert the paper report to electronic page) to the hard-copy record of the completed report form. That party that the bank places in its files. ------------------------------------------------------------------------------------------------------------------- FDIC Certificate Number 00867 SUNTRUST BANK ----------- ------------------------------------------------------- (RCRI 9050) Legal Title of Bank (TEXT 9010) http://WWW.SUNTRUST.COM ATLANTA ----------------------------------------------------- ------------------------------------------------------- Primary Internet Web Address of Bank City (TEXT 9130) (Home Page), if any (TEXT 4087) (Example: www.examplebank.com) GA 30302 ------------------------------------------------------- State Abbrev. (TEXT 9200) Zip Code (TEXT 9220)
Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency
FFIEC 031 CONSOLIDATED REPORTS OF CONDITION AND INCOME FOR Page i A BANK WITH DOMESTIC OFFICES ONLY 2 ------------------------------------------------------------------------------- TABLE OF CONTENTS
SIGNATURE PAGE Cover REPORT OF INCOME REPORT OF CONDITION Schedule RI - Income Statement _________________ RI-1, 2, 3 Schedule RC - Balance Sheet __________________ RC-1, 2 Schedule RI-A - Changes in Equity Capital ______ RI-4 Schedule RC-A - Cash and Balances Due Schedule RI-B - Charge-offs and Recoveries on From Depository Institutions ________________ RC-3 Loans and Leases and Changes in Allowance Schedule RC-B - Securities ___________________ RC-3, 4, 5 for Loan and Lease Losses _____________________ RI-4, 5 Schedule RC-C - Loans and Lease Financing Schedule RI-D - Income from Receivables: International Operations ______________________ RI-6 Part I. Loans and Leases ___________________ RC-6, 7 Schedule RI-E - Explanations ___________________ RI-6, 7 Part II. Loans to Small Businesses and Small Farms (to be completed for the June report only; not included in the forms for the September and December reports) _____ RC-7a, 7b DISCLOSURE OF ESTIMATED BURDEN Schedule RC-D - Trading Assets and Liabilities (to be completed only by selected banks) ____ RC-8 The estimated average burden associated with this information Schedule RC-E - Deposit Liabilities __________ RC-9, 10 collection is 35.5 hours per respondent and is estimated to vary from Schedule RC-F - Other Assets _________________ RC-11 14 to 500 hours per response, depending on individual circumstances. Schedule RC-G - Other Liabilities ____________ RC-11 Burden estimates include the time for reviewing instructions, Schedule RC-H - Selected Balance Sheet Items gathering and maintaining data in the required form, and completing for Domestic Offices _______________________ RC-12 the information collection, but exclude the time for compiling and Schedule RC-I - Assets and Liabilities of IBFs RC-12 maintaining business records in the normal course of a respondent's Schedule RC-K - Quarterly Averages ___________ RC-13 activities. A Federal agency may not conduct or sponsor, and an Schedule RC-L - Derivatives and organization (or a person) is not required to respond to a collection Off-Balance Sheet Items _____________________ RC-14, 15 of information, unless it displays a currently valid OMB control Schedule RC-M - Memoranda ____________________ RC-16 number. Comments concerning the accuracy of this burden estimate and Schedule RC-N - Past Due and Nonaccrual Loans, suggestions for reducing this burden should be directed to the Office Leases, and Other Assets ____________________ RC-17, 18 of Information and Regulatory Affairs, Office of Management and Budget, Schedule RC-O - Other Data for Deposit Washington, D.C. 20503, and to one of the following: Insurance and FICO Assessments ______________ RC-19, 20 Secretary Schedule RC-R - Regulatory Capital ___________ RC-21,23 Board of Governors of the Federal Reserve System 23,24 Washington, D.C. 20551, Schedule RC-S - Securitization and Asset Sales Activities ______________________ RC-25,26, 27,27a Legislative and Regulatory Analysis Division Office of the Comptroller of the Currency Schedule RC-T - Fiduciary and Related Services Washington, D.C. 20219 (to be completed beginning December 31, 2001) RC-28,29,30 Optional Narrative Statement Concerning Assistant Executive Secretary the Amounts Reported in the Reports Federal Deposit Insurance Corporation of Condition and Income _____________________ RC-31 Washington, D.C. 20429 Special Report (to be completed by all banks)
For information or assistance, national and state nonmember banks should contact the FDIC's Reports Analysis and Quality Control Section, 550 17th Street, NW, Washington, D.C. 20429, toll free on (800) 688-FDIC(3342), Monday through Friday between 8:00 a.m. and 5:00 p.m., Eastern time. State member banks should contact their Federal Reserve District Bank. SUNTRUST BANK FFIEC 031 --------------------------------------- RI-1 Legal Title of Bank 3 ATLANTA --------------------------------------- City GA 30302 --------------------------------------- State Zip Code FDIC Certificate Number - 00867 CONSOLIDATED REPORT OF INCOME FOR THE PERIOD JANUARY 1, 2001 - JUNE 30, 2001 ALL REPORT OF INCOME SCHEDULES ARE TO BE REPORTED ON A CALENDAR YEAR-TO-DATE BASIS IN THOUSANDS OF DOLLARS. SCHEDULE RI--INCOME STATEMENT
Dollar Amounts in Thousands RIAD | Bil | Mil | Thou -------------------------------------------------------------------------------------------------------------------------- 1. Interest Income: a. Interest and fee income on loans: (1) In domestic offices: (a) Loans secured by real estate__________________________________________________________ 4011 1,270,651 1.a.1.a (b) Loans to finance agricultural production and other loans to farmers___________________ 4024 5,587 1.a.1.b (c) Commercial and industrial loans_______________________________________________________ 4012 829,558 1.a.1.c (d) Loans to individuals for household, family, and other personal expendiatures: (1) CREDIT CARDS_______________________________________________________________________ B485 0 1.a.1.d.1 (2) OTHER (INCLUDES SINGLE PAYMENT, INSTALLMENT, ALL STUDENT LOANS, AND REVOLVING CREDIT PLANS OTHER THAN CREDIT CARDS)______________________________________________ B486 424,558 1.a.1.d.2 (e) Loans to foreign governments and official institutions________________________________ 4056 579 1.a.1.e (F) ALL OTHER LOANS IN DOMESTIC OFFICES___________________________________________________ B487 118,916 1.a.1.f (2) In foreign offices, Edge and Agreement subsidiaries, and IBFs____________________________ 4059 0 1.a.2 (3) Total interest and fee income on loans (sum of items 1.a.(1)(a) through 1.a.(2))_________ 4010 2,649,849 1.a.3 B. INCOME FROM LEASE FINANCING RECEIVABLES______________________________________________________ 4065 87,274 1.b C. INTEREST INCOME ON BALANCES DUE FROM DEPOSITORY INSTITUTIONS: (1)____________________________ 4115 1,421 1.c d. Interest and dividend income on securities: (1) U.S. TREASURY SECURITIES AND U.S. GOVERNMENT AGENCY OBLIGATIONS (EXCLUDING MORTGAGE-BACKED SECURITIES)______________________________________________________________ B488 83,520 1.d.1 (2) MORTGAGE-BACKED SECURITIES_______________________________________________________________ B489 282,928 1.d.2 (3) ALL OTHER SECURITIES (INCLUDES SECURITIES ISSUED BY STATES AND POLITICAL SUBDIVISIONS IN THE U.S.)_____________________________________________________________________________ 4060 132,798 1.d.3 e. Interest income from trading assets__________________________________________________________ 4069 4,038 1.e f. Interest income on federal funds sold and securities purchased under agreements to resell____ 4020 64,184 1.f G. OTHER INTEREST INCOME________________________________________________________________________ 4518 16,556 1.g h. Total interest income (sum of items 1.a.(3) through 1.g)_____________________________________ 4107 3,322,568 1.h 2. Interest expense: a. Interest on deposits: (1) Interest on deposits in domestic offices: (a) Transaction accounts (NOW accounts, ATS accounts, and telephone and preauthorized transfer accounts)________________________________________ 4508 11,197 2.a.1.a (b) Nontransaction accounts: (1) SAVINGS DEPOSITS (INCLUDES MMDAS)__________________________________________________ 0093 438,356 2.a.1.b.1 (2) Time deposits of $100,000 or more__________________________________________________ A517 180,615 2.a.1.b.2 (3) Time deposits of less than $100,000________________________________________________ A518 259,034 2.a.1.b.3 (2) Interest on deposits in foreign offices, Edge and agreement subsidiaries, and IBFs_______ 4172 181,684 2.a.2 b. Expense of federal funds purchased and securities sold under agreements to repurchase________ 4180 298,402 2.b c. Interest on trading liabilities and other borrowed money_____________________________________ 4185 243,746 2.c ----------- (1) Includes interest income on time certificates of deposits not held for trading. SUNTRUST BANK FFIEC 031 --------------------------------------- RI-2 Legal Title of Bank 4 FDIC Certificate Number - 00867 SCHEDULE RI--CONTINUED Year-to-date --------------------- Dollar Amounts in Thousands | RIAD Bil | Mil | Thou ---------------------------------------------------------------------------------------------------------------------------- 2. Interest expense (continued): d. Interest on subordinated notes and debentures_________________________ 4200 46,594 2.d e. Total interest expense (sum of items 2.a through 2.d)_________________ 4073 1,659,628 2.e 3. Net interest income (item 1.h minus 2.e)________________________________ 4074 1,662,940 3 4. PROVISION FOR LOAN AND LEASE LOSSES_____________________________________ 4230 104,557 4 5. Noninterest income: a. Income from fiduciary activities (1)__________________________________ 4070 230,156 5.a b. Service charges on deposit accounts in domestic offices_______________ 4080 245,611 5.b c. Trading revenue (2)___________________________________________________ A220 27,763 5.c D. INVESTMENT BANKING, ADVISORY, BROKERAGE, AND UNDERWRITING FEES AND COMMISSIONS_______________________________________________________ B490 87,314 5.d E. VENTURE CAPITAL REVENUE_______________________________________________ B491 0 5.e F. NET SERVICING FEES____________________________________________________ B492 69,793 5.f G. NET SECURITIZATION INCOME_____________________________________________ B493 0 5.g H. INSURANCE COMMISSIONS AND FEES________________________________________ B494 6,537 5.h I. NET GAINS (LOSSES) ON SALES OF LOANS AND LEASES_______________________ 5416 (38,960) 5.i J. NET GAINS (LOSSES) ON SALES OF OTHER REAL-ESTATE OWNED________________ 5415 5,009 5.j K. NET GAINS (LOSSES) ON SALES OF OTHER ASSETS (EXCLUDING SECURITIES)____ B496 1,412 5.k l. Other noninterest income*_____________________________________________ B497 264,846 5.l m. Total noninterest income (sum of items 5.a through 5.l)_______________ 4079 899,481 5.m 6.a. Realized gains (losses) on held-to-maturity securities________________ 3521 0 6.a b. Realized gains (losses) on available-for-sale securities______________ 3196 33,891 6.b 7. Noninterest expense: a. Salaries and employee benefits________________________________________ 4135 740,042 7.a b. Expenses of premises and fixed assets (net of rental income) (excluding salaries and employee benefits and mortgage interest)_______ 4217 194,934 7.b C. AMORTIZATION EXPENSE OF INTANGIBLE ASSETS (INCLUDING GOODWILL)________ 4531 22,202 7.c d. Other noninterest expense *___________________________________________ 4092 460,423 7.d e. Total noninterest expense (sum of items 7.a through 7.d)______________ 4093 1,417,601 7.e 8. Income (loss) before income taxes and extraordinary items, and other adjustments (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e)______________________________________________________ 4301 1,074,154 8 9. Applicable income taxes (on item 8)_____________________________________ 4302 371,677 9 10. Income (loss) before extraordinary items and other adjusments (item 8 minus item 9)__________________________________________________ 4300 702,477 10 11. Extraordinary items and other adjustments, net of income taxes *_______ 4320 (17,824) 11 12. Net income (loss) (sum of items 10 and 11)_____________________________ 4340 684,653 12 ----------- * Describe on Schedule RI-E - Explanations. (1) For banks required to complete Schedule RC-T, items 12 through 19, income from fiduciary activities reported in Schedule RI, item 5.a, must equal the amount reported in Schedule RC-T, item 19. (2) For banks required to complete Schedule RI, Memorandum item 8, trading revenue reported in Schedule RI, item 5.c must equal the sum of Memorandum items 8.a through 8.d. SUNTRUST BANK FFIEC 03 _________________________________________ Legal Title of Bank RI-3 FDIC Certificate Number - 00867 5 SCHEDULE RI--CONTINUED Year-to-Date _____________________ MEMORANDA Dollar Amounts in Thousands RIAD Bil | Mil | Thou __________________________________________________________________________________________________________________________ 1. Interest expense incurred to carry tax-exempt securities, loans, and leases acquired after August 7, 1986, that is not deductible for federal income tax purposes__________________________ 4513 3,029 M.1 2. Income from the sale and servicing of mutual funds and annuities in domestic offices (included in Schedule RI, item 8) ______________________________________________________________ 8431 50,749 M.2 3. INCOME ON TAX-EXEMPT LOANS AND LEASES TO STATES AND POLITICAL SUBDIVISIONS IN THE U.S. (INCLUDED IN SCHEDULE RI, ITEMS 1.A AND 1.B) __________________________________________ 4313 51,456 M.3 4. Income on tax-exempt securities issued by states and political subdivisions in the U.S. (included in Schedule RI, item 1.d.(3))_________________________________________________________ 4507 7,855 M.4 5. Number of full-time equivalent employees at end of current period (round to NUMBER nearest whole number) __________________________________________________________________________ 4150 25,244 M.5 6. Not applicable 7. If the reporting bank has restated its balance sheet as a result of applying push down CCYY / MM / DD accounting this calendar year, report the date of the bank's acquisition (1) ___________________ 9106 N/A M.7 8. Trading revenue (from cash instruments and derivative instruments) (sum of Memorandum items 8.a through 8.d must equal Schedule RI, item 5.c) (TO BE COMPLETED BY BANKS THAT REPORTED AVERAGE TRADING ASSETS (SCHEDULE RC-K, ITEM 7) OF $2 MILLION OR MORE FOR ANY QUARTER OF THE PRECEDING CALENDAR YEAR.): RIAD Bil | Mil | Thou __________________________________________________________________________________________________________________________ a. Interest rate exposures ______________________________________________________________________ 8757 19,967 M.8.a b. Foreign exchange exposures ___________________________________________________________________ 8758 7,796 M.8.b c. Equity security and index exposures __________________________________________________________ 8759 0 M.8.c d. Commodity and other exposures _________________________________________________________________ 8760 0 M.8.d 9. Impact on income of derivatives held for purposes other than trading: RIAD Bil | Mil | Thou __________________________________________________________________________________________________________________________ a. Net increase (decrease) to interest income ___________________________________________________ 8761 (2,151) M.9.a b. Net (increase) decrease to interest expense __________________________________________________ 8762 573 M.9.b c. Other (noninterest) allocations ______________________________________________________________ 8763 0 M.9.c 10. Credit losses on derivatives (see instructions) ________________________________________________ A251 0 M.10 11. Does the reporting bank have a Subchapter S election in effect for YES / NO federal income tax purposes for the current tax year ? ________________________________________ A530 NO M.11 _____ (1) For example, a bank acquired on June 1, 2001, would report 20010601
SUNTRUST BANK FFIEC 03 _________________________________________ Legal Title of Bank RI-4 FDIC Certificate Number - 00867 6 SCHEDULE RI-A--CHANGES IN EQUITY CAPITAL Indicate decreases and losses in parentheses.
Dollar Amounts in Thousands RIAD Bil | Mil | Thou _____________________________________________________________________________________________________________________________ 1. TOTAL EQUITY CAPITAL MOST RECENTLY REPORTED FOR THE DECEMBER 31, 2000, REPORTS OF CONDITION AND INCOME (I.E., AFTER ADJUSTMENTS FROM AMENDED REPORTS OF INCOME) ______________ 3217 8,768,684 1 2. RESTATEMENTS DUE TO CORRECTIONS OF MATERIAL ACCOUNTING ERRORS AND CHANGES IN ACCOUNTING PRINCIPLES*_________________________________________________________________________ B507 0 2 3. BALANCE END OF PREVIOUS CALENDAR YEAR AS RESTATED (SUM OF ITEMS 1 AND 2) ______________________ B508 8,768,684 3 4. Net income (loss) (must equal Schedule RI, item 12) ___________________________________________ 4340 684,653 4 5. SALE, CONVERSION, ACQUISITION, OR RETIREMENT OF CAPITAL STOCK, NET (EXCLUDING TREASURY STOCK TRANSACTIONS) ___________________________________________________________________________ B509 0 5 6. TREASURY STOCK TRANSACTIONS, NET ________________________________________________________________B510 0 6 7. Changes incident to business combinations, net ________________________________________________ 4356 11,964 7 8. LESS: Cash dividends declared on preferred stock ______________________________________________ 4470 0 8 9. LESS: Cash dividends declared on common stock _________________________________________________ 4460 900,000 9 10. OTHER COMPREHENSIVE INCOME (1) ________________________________________________________________ B511 (147,627) 10 11. Other transactions with parent holding company * (not included in items 5, 6, 8, or 9 above)___ 4415 0 11 12. Total equity capital end of current period (sum of items 3 through 11) (must equal Schedule RC, item 28) _________________________________________________________________________ 3210 8,417,674 12 _____ * Describe on Schedule RI-E - Explanations. (1) Includes changes in net unrealized holding gains (losses) on available-for-sale securities, changes in accumulated net gains (losses) on cash flow hedges, foreign currency translation adjustments, and changes in minimum pension liability adjustments.
SCHEDULE RI-B--CHARGE-OFFS AND RECOVERIES ON LOANS AND LEASES AND CHANGES IN ALLOWANCE FOR LOAN AND LEASE LOSSES PART I. CHARGE-OFFS AND RECOVERIES ON LOANS AND LEASES
( Column A ) ( Column B ) PART I EXCLUDES CHARGE-OFFS AND RECOVERIES THROUGH Charge-offs (1) Recoveries _____________________________________________ THE ALLOCATED TRANSFER RISK RESERVE. Calendar year-to-date _____________________________________________ Dollar Amounts in Thousands RIAD Bil | Mil | Thou RIAD Bil | Mil | Thou __________________________________________________________________________________________________________________________ 1. Loans secured by real estate: A. CONSTRUCTION, LAND DEVELOPMENT, AND OTHER LAND LOANS IN DOMESTIC OFFICES _____________________________________________________________ 3582 72 3583 0 1.a b. Secured by farmland in domestic offices _____________________________ 3584 0 3585 0 1.b c. Secured by 1-4 family residential properties in domestic offices: (1) Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit _________________ 5411 917 5412 934 1.c.1 (2) Closed-end loans secured by 1-4 family residential properties _ 5413 4,871 5414 653 1.c.2 d. Secured by multifamily (5 or more) residential properties in domestic offices _____________________________________________________________ 3588 0 3589 0 1.d e. Secured by nonfarm nonresidential properties in domestic offices ____ 3590 762 3591 432 1.e F. IN FOREIGN OFFICES __________________________________________________ B512 0 B513 0 1.f 2. Loans to depository institutions and acceptances of other banks: a. To U.S. banks and other U.S. depository institutions ________________ 4653 0 4663 0 2.a b. To foreign banks ____________________________________________________ 4654 0 4664 0 2.b 3. Loans to finance agricultural production and other loans to farmers ____ 4655 0 4665 0 3 4. Commercial and industrial loans: a. To U.S. addressees (domicile) _______________________________________ 4645 77,890 4617 8,486 4.a b. To non-U.S. addressees (domicile) ___________________________________ 4646 0 4618 30 4.b 5. Loans to individuals for household, family, and other personal expenditures: A. CREDIT CARDS ________________________________________________________ B514 80 B515 98 5.A B. OTHER (INCLUDES SINGLE PAYMENT, INSTALLMENT, ALL STUDENT LOANS AND REVOLVING CREDIT PLANS OTHER THAN CREDIT CARDS) _________________ B516 36,884 B517 11,988 5.B _____ (1) Include write-downs arising from transfers of loans to the held-for-sale account. SUNTRUST BANK FFIEC 03 _________________________________________ Legal Title of Bank RI-5 FDIC Certificate Number - 00867 7 SCHEDULE RI-B--CONTINUED PART I. CONTINUED ( Column A ) ( Column B ) Charge-offs (1) Recoveries _____________________________________________ Calendar year-to-date _____________________________________________ Dollar Amounts in Thousands RIAD Bil | Mil | Thou RIAD Bil | Mil | Thou __________________________________________________________________________________________________________________________ 6. Loans to foreign governments and official institutions _________________ 4643 0 4627 0 6 7. All other loans ________________________________________________________ 4644 5,655 4628 2,677 7 8. Lease financing receivables: a. To U.S. addressees (domicile) _______________________________________ 4658 1,879 4668 272 8.a b. To non-U.S. addressees (domicile) ___________________________________ 4659 0 4669 0 8.b 9. Total (sum of items 1 through 8) _______________________________________ 4635 129,010 4605 25,570 9 ( Column A ) ( Column B ) MEMORANDA Charge-offs (1) Recoveries _____________________________________________ Calendar year-to-date _____________________________________________ Dollar Amounts in Thousands RIAD Bil | Mil | Thou RIAD Bil | Mil | Thou __________________________________________________________________________________________________________________________ 1. Loans to finance commercial real estate, construction, and land development activities (not secured by real estate) included in Schedule RI-B, part I, items 4 and 7, above ____________________________ 5409 0 5410 0 M.1 2. Loans secured by real estate to non-U.S. addresses (domicile) (included in Schedule RI-B, part I, item 1, above): ____________________ 4652 0 4662 0 M.2 _____ (1) Include write-downs arising from transfers of loans to the held-for-sale account.
PART II. CHANGES IN ALLOWANCE FOR LOAN AND LEASE LOSSES
Dollar Amounts in Thousands RIAD Bil | Mil | Thou __________________________________________________________________________________________________________________________ 1. BALANCE MOST RECENTLY REPORTED FOR THE DECEMBER 31, 2000, REPORTS OF CONDITION AND INCOME (I.E., AFTER ADJUSTMENTS FROM AMENDED REPORTS OF INCOME) ____________________________ B522 857,387 1 2. Recoveries (must equal part I, item 9, column B above) _________________________________________ 4605 25,570 2 3. LESS: Charge-offs (sum of part I, item 9, column A above and Schedule RI-E, item 6.a) __________ C079 129,010 3 4. PROVISION FOR LOAN AND LEASE LOSSES (MUST EQUAL SCHEDULE RI, ITEM 4) ___________________________ 4230 104,557 4 5. Adjustments * (see instructions for this schedule) _____________________________________________ 4815 (10,210) 5 6. Balance end of current period (sum of items 1 through 5) (must equal Schedule RC, item 4.c) _____________________________________________________________ 3123 848,294 6 _____ * Include as a negative number write-downs arising from transfers of loans to the held-for-sale account. Describe all adjustments on Schedule RI-E--Explanations, item 6.
SUNTRUST BANK FFIEC 03 _________________________________________ Legal Title of Bank RI-6 FDIC Certificate Number - 00867 8 SCHEDULE RI-D--INCOME FROM INTERNATIONAL OPERATIONS FOR ALL BANKS WITH FOREIGN OFFICES, EDGE OR AGREEMENT SUBSIDIARIES, OR IBFS WHERE INTERNATIONAL OPERATIONS ACCOUNT FOR MORE THAN 10 PERCENT OF TOTAL REVENUES, TOTAL ASSETS, OR NET INCOME.
Year-to-Date _______________________ Dollar Amounts in Thousands RIAD Bil | Mil | Thou ______________________________________________________________________________________________________________________ 1. INTEREST INCOME AND EXPENSE ATTRIBUTABLE TO INTERNATIONAL OPERATIONS: A. GROSS INTEREST INCOME ___________________________________________________________________ B523 0 1.a B. GROSS INTEREST EXPENSE __________________________________________________________________ B524 0 1.b 2. NET INTEREST INCOME ATTRIBUTABLE TO INTERNATIONAL OPERATIONS (ITEM 1.A MINUS 1.B) __________ B525 0 2. 3. Noninterest income and expense attributable to international operations: a. Noninterest income attributable to international operations _____________________________ 4097 0 3.a b. Provision for loan and lease losses attributable to international operations ____________ 4235 0 3.b c. Other noninterest expense attributable to international operations ______________________ 4239 0 3.c d. Net noninterest income (expense) attributable to international operations (item 3.a minus 3.b and 3.c) ____________________________________________________________________________ 4843 0 3.d 4. Estimated pretax income attributable to international operations before capital allocation adjustment (sum of items 2 and 3.d) ________________________________________________________ 4844 0 4 5. Adjustment to pretax income for internal allocations to international operations to reflect the effects of equity capital on overall bank funding costs ________________________________ 4845 0 5 6. Estimated pretax income attributable to international operations after capital allocation adjustment (sum of items 4 and 5) __________________________________________________________ 4846 0 6 7. Income taxes attributable to income from international operations as estimated in item 6 ___ 4797 0 7 8. Estimated net income attributable to international operations (item 6 minus 7) _____________ 4341 0 8
SUNTRUST BANK FFIEC 03 _________________________________________ Legal Title of Bank RI-7 FDIC Certificate Number - 00867 9 SCHEDULE RI-E--EXPLANATIONS SCHEDULE RI-E IS TO BE COMPLETED EACH QUARTER ON A CALENDAR YEAR-TO-DATE BASIS. Detail all adjustments in Schedules RI-A and RI-B, all extraordinary items and other adjustments in Schedule RI, and all significant items of other noninterest income and other noninterest expense in Schedule RI. (See instructions for details.)
Year-to-Date _______________________ Dollar Amounts in Thousands RIAD Bil | Mil | Thou _________________________________________________________________________________________________________________________ 1. OTHER NONINTEREST INCOME (FROM SCHEDULE RI, ITEM 5.L) ITEMIZE AND DESCRIBE THE THREE LARGEST AMOUNTS THAT EXCEED 1% OF THE SUM OF SCHEDULE RI, ITEMS 1.H AND 5.M: TEXT a. C013 Income and fees from the printing and sale of checks _________________________________ C013 0 1.a b. C014 Earnings on/increase in value of cash surrender value of life insurance ______________ C014 0 1.b c. C016 Income and fees from automated teller machines (ATMs) ________________________________ C016 0 1.c d. 4042 Rent and other income from other real estate owned ___________________________________ 4042 0 1.d e. C015 Safe deposit box rent ________________________________________________________________ C015 0 1.e f. 4461 Sale of orig srv rights ______________________________________________________________ 4461 72,121 1.f g. 4462 ______________________________________________________________________________________ 4462 0 1.g h. 4463 ______________________________________________________________________________________ 4463 0 1.h 2. OTHER NONINTEREST EXPENSE (FROM SCHEDULE RI, ITEM 7.D): ITEMIZE AND DESCRIBE THE THREE LARGEST AMOUNTS THAT EXCEED 1% OF THE SUM OF OF SCHEDULE RI, ITEMS 1.H AND 5.M: TEXT a. C017 Data processing expenses _____________________________________________________________ C017 48,674 2.a b. 0497 Advertising and marketing expenses ___________________________________________________ 0497 0 2.b c. 4136 Director's fees ______________________________________________________________________ 4136 0 2.c d. C018 Printing, stationary, and supplies ___________________________________________________ C018 0 2.d e. 8403 Postage ______________________________________________________________________________ 8403 0 2.e f. 4141 Legal fees and expenses ______________________________________________________________ 4141 0 2.f g. 4146 FDIC deposit insurance assessments ___________________________________________________ 4146 0 2.g h. 4464 I/C Mangement Fee-Eq Based ___________________________________________________________ 4464 76,371 2.h I. 4467 Other Expenses _______________________________________________________________________ 4467 55,498 2.I j. 4468 ______________________________________________________________________________________ 4468 0 2.j 3. Extraordinary items and other adjustments and applicable income tax effect (from Schedule RI, item 11) (itemize and describe all extraordinary items and other adjustments): TEXT a. (1) 6373 Effect of adopting FAS 133, "Accounting for Derivative Instruments and Hedging Activities" 6373 0 3.a.1 (2) Applicable income tax effect_______________________________________ 4486 0 3.a.2 b. (1) 4487 Early Extinguishment of Debt________________________________________________________________ 4487 (27,422) 3.b.1 (2) Applicable income tax effect_______________________________________ 4488 (9,598) 3.b.2 c. (1) 4489_____________________________________________________________________________________________ 4489 0 3.c.1 (2) Applicable income tax effect_______________________________________ 4491 0 3.c.2 SUNTRUST BANK FFIEC 03 _________________________________________ Legal Title of Bank RI-8 FDIC Certificate Number - 00867 10 Schedule RI-E--Continued Year-to-Date _______________________ Dollar Amounts in Thousands RIAD Bil | Mil | Thou _________________________________________________________________________________________________________________________ 4. RESTATEMENTS DUE TO CORRECTIONS OF MATERIAL ACCOUNTING ERRORS AND CHANGES IN ACCOUNTING PRINCIPLES (from Schedule RI-A, item 2) (itemize and describe all restatements): TEXT a. B526 ______________________________________________________________________________________ B526 0 4.a b. B527 ______________________________________________________________________________________ B527 0 4.b 5. Other transactions with parent holding company (from Schedule RI-A, item 11) (itemize and describe all such transactions): TEXT a. 4498 ______________________________________________________________________________________ 4498 0 5.a b. 4499 ______________________________________________________________________________________ 4499 0 5.b 6. ADJUSTMENTS TO ALLOWANCE FOR LOAN AND LEASE LOSSES (FROM SCHEDULE RI-B, PART II, ITEM 5) (ITEMIZE AND DESCRIBE ALL ADJUSTMENTS): TEXT a. 5523 Write-downs arising from transfers of loans in the held-for-sale account _____________ 5523 0 6.a b. 4522 Reduction due to sale and securitization _____________________________________________ 4522 (10,210) 6.b 7. Other explanations (the space below is provided for the bank to briefly describe, at its option, any other significant items affecting the Report of Income): RIAD ____________ X = NO COMMENT - Y = COMMENT 4769 X Other explanations (please type or print clearly): TEXT ( 70 CHARACTERS PER LINE ) 4769________________________________________________________________________________________ ________________________________________________________________________________________ ________________________________________________________________________________________ ________________________________________________________________________________________ ________________________________________________________________________________________ ________________________________________________________________________________________ ________________________________________________________________________________________ ________________________________________________________________________________________ ________________________________________________________________________________________ ________________________________________________________________________________________
SUNTRUST BANK FFIEC 03 _________________________________________ Legal Title of Bank RC-1 ATLANTA _________________________________________ City 11 GA 30302 _________________________________________ State Zip Code FDIC Certificate Number - 00867 CONSOLIDATED REPORT OF CONDITION FOR INSURED COMMERCIAL AND STATE-CHARTERED SAVINGS BANKS FOR JUNE 30, 2001 All schedules are to be reported in thousands of dollars. Unless otherwise indicated, report the amount outstanding as of the last business day of the quarter. SCHEDULE RC--BALANCE SHEET
Dollar Amounts in Thousands RCFD Bil | Mil | Thou _________________________________________________________________________________________________________________________ ASSETS 1. Cash and balances due from depository institutions (from Schedule RC-A): a. Noninterest-bearing balances and currency and coin (1) ____________________________________ 0081 4,029,295 1.a b. Interest-bearing balances (2) _____________________________________________________________ 0071 108,872 1.b 2. Securities: a. Held-to-maturity securities (from Schedule RC-B, column A) ________________________________ 1754 0 2.a b. Available-for-sale securities (from Schedule RC-B, column D) ______________________________ 1773 15,927,784 2.b 3. Federal funds sold and securities purchased under agreements to resell _______________________ 1350 2,428,869 3 4. Loans and lease financing receivables (from Schedule RC-C): A. LOANS AND LEASES HELD FOR SALE ____________________________________________________________ 5369 3,126,942 4.a B. LOANS AND LEASES, NET OF UNEARNED INCOME ________________________________ B528 68,709,512 4.b c. LESS: Allowance for loan and lease losses _______________________________ 3123 848,294 4.c D. LOANS AND LEASES, NET OF UNEARNED INCOME AND ALLOWANCE (ITEM 4.B MINUS 4.C) _______________ B529 67,861,218 4.d 5. Trading assets (from Schedule RC-D) __________________________________________________________ 3545 484,294 5 6. Premises and fixed assets (including capitalized leases) _____________________________________ 2145 1,298,098 6 7. Other real estate owned (from Schedule RC-M) _________________________________________________ 2150 31,250 7 8. Investments in unconsolidated subsidiaries and associated companies (from Schedule RC-M) _____ 2130 0 8 9. Customers' liability to this bank on acceptances outstanding _________________________________ 2155 89,475 9 10. Intangible assets ____________________________________________________________________________ A. GOODWILL ___________________________________________________________________________________ 3163 241,499 10.a B. OTHER INTANGIBLE ASSETS (FROM SCHEDULE RC-M)________________________________________________ 0426 379,965 10.b 11. Other assets (from Schedule RC-F) ____________________________________________________________ 2160 2,086,020 11 12. Total assets (sum of items 1 through 11) _____________________________________________________ 2170 98,093,581 12 ___________ (1) Includes cash items in process of collection and unposted debits. (2) Includes time certificates of deposit not held for trading. SUNTRUST BANK FFIEC 03 _________________________________________ Legal Title of Bank RC-2 FDIC Certificate Number - 00867 12 SCHEDULE RC--CONTINUED Dollar Amounts in Thousands Bil | Mil | Thou _________________________________________________________________________________________________________________________ LIABILITIES 13. Deposits: a. In domestic offices (sum of totals of columns A and C from Schedule RC-E, RCON part I) ___________________________________________________________________________________ 2200 60,291,519 13.a (1) Noninterest-bearing (1) ____________________________________________ 6631 8,743,385 13.a.1 (2) Interest-bearing ___________________________________________________ 6636 51,548,134 13.a.2 b. In foreign offices, Edge and Agreement subsidiaries, and IBFs RCFN (from Schedule RC-E, part II) _____________________________________________________________ 2200 3,658,760 13.b (1) Noninterest-bearing ________________________________________________ 6631 0 13.b.1 (2) Interest-bearing ___________________________________________________ 6636 3,658,760 RCFD 13.b.2 14. Federal funds purchased and securities sold under agreements to repurchase ___________________ 2800 12,161,227 14 15. Trading liabilities (from Schedule RC-D) ______________________________________________________3548 0 15 16. OTHER BORROWED MONEY (INCLUDES MORTGAGE INDEBTEDNESS AND OBLIGATIONS UNDER CAPITALIZED LEASES) (FROM SCHEDULE RC-M): ______________________________________________ 3190 9,411,416 16 17. Not applicable 18. Bank's liability on acceptances executed and outstanding _____________________________________ 2920 89,475 18 19. Subordinated notes and debentures(2) _________________________________________________________ 3200 1,493,103 19 20. Other liabilities (from Schedule RC-G) _______________________________________________________ 2930 2,403,914 20 21. Total liabilities (sum of items 13 through 20) _______________________________________________ 2948 89,509,414 21 22. MINORITY INTEREST IN CONSOLIDATED SUBSIDIARIES _______________________________________________ 3000 166,493 22 EQUITY CAPITAL 23. Perpetual preferred stock and related surplus ________________________________________________ 3838 0 23 24. Common stock _________________________________________________________________________________ 3230 21,600 24 25. Surplus (exclude all surplus related to preferred stock) _____________________________________ 3839 2,516,538 25 26. a. Retained earnings _________________________________________________________________________ 3632 4,919,946 26.a B. ACCUMULATED OTHER COMPREHENSIVE INCOME (3) ________________________________________________ B530 959,590 26.b 27. OTHER EQUITY CAPITAL COMPONENTS (4) __________________________________________________________ A130 0 27 28. Total equity capital (sum of items 23 through 27) ____________________________________________ 3210 8,417,674 28 29. Total liabilities, minority interest, and equity capital (sum of items 21, 22, and 28) _______ 3300 98,093,581 29 MEMORANDUM TO BE REPORTED ONLY WITH THE MARCH REPORT OF CONDITION. 1. Indicate in the box at the right the number of the statement below that best describes the most comprehensive level of auditing work performed for the bank by independent external RCFD NUMBER auditors as of any date during 2000 ___________________________________________________________ 6724 N/A M.1 1 = Independent audit of the bank conducted in accordance 4 = Directors' examination of the bank conducted with generally accepted auditing standards by a certified in accordance with generally accepted auditing public accounting firm which submits a report on the bank standards by a certified public accounting firm 2 = Independent audit of the bank's parent holding company (may be required by state chartering authority) conducted in accordance with generally accepted auditing 5 = Directors' examination of the bank performed by standards by a certified public accounting firm which other external auditors (may be required by state submits a report on the consolidated holding company (but chartering authority) not on the bank separately) 6 = Review of the bank's financial statements by 3 = ATTESTATION ON BANK MANAGEMENT'S ASSERTION ON THE external auditors EFFECTIVENESS OF THE BANK'S INTERNAL CONTROL OVER FINANCIAL 7 = Compilation of the bank's financial statements by REPORTING BY A CERTIFIED PUBLIC ACCOUNTING FIRM external auditors 8 = Other audit procedures (excluding tax preparation work) 9 = No external audit work ________ (1) Includes total demand deposits and noninterest-bearing time and savings deposits. (2) Includes limited-life preferred stock and related surplus. (3) Includes net unrealized holding gains (losses) on available-for-sale securities, accumulated net gains (losses) on cash flow hedges, cumulative foreign currency translation adjustments, and minimum pension liability adjustments. (4) Includes treasury stock and unearned Employee Stock Ownership Plan shares.
SUNTRUST BANK FFIEC 03 _________________________________________ Legal Title of Bank RC-3 FDIC Certificate Number - 00867 13 SCHEDULE RC-A--CASH AND BALANCES DUE FROM DEPOSITORY INSTITUTIONS Exclude assets held for trading.
_____________________________________________ (Column A) (Column B) Consolidated Domestic Dollar Amounts in Thousands Bank Offices _____________________________________________________________________________________________________________________________ RCFD Bil | Mil | Thou RCON Bil | Mil | Thou 1. Cash items in process of collection, unposted debits, and currency and coin ________________________________________________________________________ 0022 3,892,957 1 a. Cash items in process of collection and unposted debits __________________ 0020 3,235,466 1.a b. Currency and coin ________________________________________________________ 0080 657,491 1.b 2. Balance due from depository institutions in the U.S. ________________________ 0082 94,245 2 a. U.S. branches and agencies of foreign banks (including their IBFs) _______ 0083 0 2.a b. Other commercial banks in the U.S. and other depository institutions in the U.S. (including their IBFs) _______________________________________ 0085 94,245 2.b 3. Balances due from banks in foreign countries and foreign central banks ______ 0070 9,510 3 a. Foreign branches of other U.S. banks _____________________________________ 0073 0 3.a b. Other banks in foreign countries and foreign central banks _______________ 0074 60,445 3.b 4. Balances due from Federal Reserve Banks _____________________________________ 0090 90,520 0090 90,520 4 5. Total (sum of items 1 through 4) (total of column A must equal Schedule RC, sum of items 1.a and 1.b) ______________________________________ 0010 4,138,167 0010 4,087,232 5
SCHEDULE RC-B--SECURITIES Exclude assets held for trading.
_________________________________________________________________________________________ Held-to-maturity Available-for-sale _________________________________________________________________________________________ (Column A) (Column B) (Column C) (Column D) Amortized Cost Fair Value Amortized Cost Fair Value _________________________________________________________________________________________ Dollar Amounts in Thousands RCFD Bil | Mil | Thou RCFD Bil | Mil | Thou RCFD Bil | Mil | Thou RCFD Bil | Mil | Thou ____________________________________________________________________________________________________________________________ 1. U.S. Treasury securities _______ 0211 0 0213 0 1286 273,327 1287 281,334 1 2. U.S. Government agency obligations (exclude mortgage-backed securities): a. Issued by U.S. Government agencies (1) ________________ 1289 0 1290 0 1291 0 1293 0 2.a b. Issued by U.S. Government- sponsored agencies (2) ______ 1294 0 1295 0 1297 1,905,363 1298 2,001,213 2.b 3. SECURITIES ISSUED BY STATES AND POLITICAL SUBDIVISIONS IN THE U.S. ___________________________ 8496 0 8497 0 8498 451,760 8499 461,050 3 ________ (1) Includes Small Business Administration 'Guaranteed Loan Pool Certificates,' U.S. Maritime Administration obligations, and Export - Import Bank participation certificates. (2) Includes obligations (other than mortgage-backed securities) issued by the Farm Credit System, the Federal Home Loan Bank System, The Federal Home Loan Mortgage Corporation, the Federal National Mortgage Association, the Financing Corporation, Resolution Funding Corporation, the Student Loan Marketing Association, and the Tennessee Valley Authority. SUNTRUST BANK FFIEC 03 _________________________________________ Legal Title of Bank RC-4 FDIC Certificate Number - 00867 14 SCHEDULE RC-B--CONTINUED _________________________________________________________________________________________ Held-to-maturity Available-for-sale _________________________________________________________________________________________ (Column A) (Column B) (Column C) (Column D) Dollar Amounts in Thousands Amortized Cost Fair Value Amortized Cost Fair Value ____________________________________________________________________________________________________________________________ RCFD Bil | Mil | Thou RCFD Bil | Mil | Thou RCFD Bil | Mil | Thou RCFD Bil | Mil | Thou _________________________________________________________________________________________ 4. Mortgage-backed securities (MBS): a. Pass-through securities: (1) Guaranteed by GNMA ______ 1698 0 1699 0 1701 306,857 1702 311,863 4.a.1 (2) Issued by FNMA and FHLMC ___________________ 1703 0 1705 0 1706 2,064,851 1707 2,116,069 4.a.2 (3) Other pass-through securities ______________ 1709 0 1710 0 1711 1,330,902 1713 1,328,922 4.a.3 b. Other mortgage-backed securities (include CMOs, REMICs and stripped MBS): (1) Issued or guaranteed by FNMA, FHLMC, or GNMA ____ 1714 0 1715 0 1716 5,046,084 1717 5,156,417 4.b.1 (2) Collateralized by MBS issued or guaranteed by FNMA, FHLMC, or GNMA ____ 1718 0 1719 0 1731 0 1732 0 4.b.2 (3) All other mortgage- backed securities _______ 1733 0 1734 0 1735 32,794 1736 33,132 4.b.3 5. ASSET-BACKED SECURITIES (ABS): A. CREDIT CARD RECEIVABLES _____ B838 0 B839 0 B840 647,621 B841 678,613 5.a B. HOME EQUITY LINES ___________ B842 0 B843 0 B844 992,778 B845 1,013,678 5.b C. AUTOMOBILE LOANS ____________ B846 0 B847 0 B848 64,403 B849 65,320 5.c D. OTHER CONSUMER LOANS ________ B850 0 B851 0 B852 38,851 B853 39,105 5.d E. COMMERCIAL AND INDUSTRIAL LOANS _______________________ B854 0 B855 0 B856 35,465 B857 35,465 5.e F. OTHER _______________________ B858 0 B859 0 B860 0 B861 0 5.f 6. Other debt securities: a. Other domestic debt securities __________________ 1737 0 1738 0 1739 1,161,476 1741 1,207,085 6.a b. Foreign debt securities _____ 1742 0 1743 0 1744 3,300 1746 3,300 6.b 7. Investments in mutual funds and other equity securities with readily determinable fair values (1) _____________________ A510 53,340 A511 1,195,218 7 8. Total (sum of items 1 through 7) (total of Column A must equal Schedule RC item 2.a) (total of column D must equal Schedule RC, item 2.b) __________________ 1754 0 1771 0 1772 14,409,172 1773 15,927,784 8 ________ (1) Report Federal Reserve stock, Federal Home Loan Bank stock, and banker's bank stock in Schedule RC-F, item 4. SUNTRUST BANK FFIEC 03 _________________________________________ Legal Title of Bank RC-5 FDIC Certificate Number - 00867 15 SCHEDULE RC-B--CONTINUED MEMORANDA Dollar Amounts in Thousands RCFD Bil | Mil | Thou ________________________________________________________________________________________________________________________ 1. Pledged securities (1) _______________________________________________________________________ 0416 12,989,991 M.1 2. Maturity and repricing data for debt securities (1, 2) (excluding those in nonaccrual status): a. Securities issued by the U.S. Treasury, U.S. Government agencies, and states and political subdivisions in the U.S.; other non-mortgage debt securities; and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of: (3,4) (1) Three months or less __________________________________________________________________ A549 83,882 M.2.a.1 (2) Over three months through 12 months ___________________________________________________ A550 351,196 M.2.a.2 (3) Over one year through three years _____________________________________________________ A551 791,762 M.2.a.3 (4) Over three years through five years ___________________________________________________ A552 2,888,437 M.2.a.4 (5) Over five years through 15 years ______________________________________________________ A553 775,074 M.2.a.5 (6) Over 15 years _________________________________________________________________________ A554 895,870 M.2.a.6 b. Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of: (3,5) (1) Three months or less __________________________________________________________________ A555 1,924,563 M.2.b.1 (2) Over three months through 12 months ___________________________________________________ A556 263,880 M.2.b.2 (3) Over one year through three years _____________________________________________________ A557 222,387 M.2.b.3 (4) Over three years through five years ___________________________________________________ A558 125,486 M.2.b.4 (5) Over five years through 15 years ______________________________________________________ A559 858,743 M.2.b.5 (6) Over 15 years _________________________________________________________________________ A560 361,737 M.2.b.6 c. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS; exclude mortgage pass-through securities) with an expected average life of: (6) (1) Three years or less ___________________________________________________________________ A561 3,913,443 M.2.c.1 (2) Over three years ______________________________________________________________________ A562 1,276,106 M.2.c.2 d. Debt securities with a REMAINING MATURITY of one year or less (included in Memorandum items 2.a through 2.c above) _________________________ A248 412,999 M.2.d 3. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or trading securities during the calendar year-to-date (report the amortized cost at date of sale or transfer) _________________________________________________________________________ 1778 0 M.3 4. Structured notes (included in the held-to-maturity and available-for-sale accounts in Schedule RC-B, items 2, 3, 5, and 6): a. Amortized cost ____________________________________________________________________________ 8782 844 M.4.a b. Fair value ________________________________________________________________________________ 8783 871 M.4.b ________ (1) Includes held-to-maturity securities at amortized cost and available-for-sale securities at fair value. (2) Exclude investments in mutual funds and other equity securities with readily determinable fair values. (3) Report fixed rate debt securities by remaining maturity and floating rate debt securities by next repricing date. (4) Sum of Memorandum items 2.a.(1) through 2.a.(6) plus any nonaccrual debt securities in the categories of debt securities reported in Memorandum item 2.a that are included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, sum of items 1, 2, 3, 5, and 6, columns A and D, plus mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages included in Schedule RC-B, item 4.a, columns A and D. (5) Sum of Memorandum items 2.b.(1) through 2.b.(6) plus any nonaccrual mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, item 4.a, sum of columns A and D, less the amount of mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages included in Schedule RC-B, item 4.a, columns A and D. (6) Sum of Memorandum items 2.c.(1) and 2.c.(2) plus any nonaccrual "Other mortgage-backed securities" included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, item 4.b, sum of columns A and D.
SUNTRUST BANK FFIEC 03 _________________________________________ Legal Title of Bank RC-6 FDIC Certificate Number - 00867 16 SCHEDULE RC-C--LOANS AND LEASE FINANCING RECEIVABLES PART I. LOANS AND LEASES Do not deduct the allowance for loan and lease losses from amounts reported in this schedule. Report (1) loans and leases held for sale and (2) other loans and leases, net of unearned income. REPORT LOANS AND LEASES NET OF ANY APPLICABLE ALLOCATED TRANSFER RISK RESERVE. Exclude assets held for trading and commercial paper.
__________________________________________________ (Column A) (Column B) Consolidated Domestic Bank Offices _____________________________________________ Dollar Amounts in Thousands RCFD Bil | Mil | Thou RCON Bil | Mil | Thou ______________________________________________________________________________________________________________________ 1. Loans secured by real estate _________________________________________ 1410 32,115,095 1 A. CONSTRUCTION, LAND DEVELOPMENT, AND OTHER LAND LOANS ______________ 1415 3,773,055 1.a b. Secured by farmland (including farm residential and other improvements) _____________________________________________________ 1420 208,987 1.b c. Secured by 1-4 family residential properties: (1) Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit ________________________________________________________ 1797 2,345,674 1.c.1 (2) Closed-end loans secured by 1-4 family residential properties: (a) Secured by first liens ____________________________________ 5367 16,357,963 1.c.2.a (b) Secured by junior liens ___________________________________ 5368 1,877,349 1.c.2.b d. Secured by multifamily (5 or more) residential properties _________ 1460 469,948 1.d e. Secured by nonfarm nonresidential properties ______________________ 1480 7,082,119 1.e 2. LOANS TO DEPOSITORY INSTITUTIONS AND ACCEPTANCES OF OTHER BANKS: a. To commercial banks in the U.S. ___________________________________ B531 95,193 2.a (1) To U.S. branches and agencies of foreign banks ________________ B532 2,217 2.a.1 (2) To other commercial banks in the U.S. _________________________ B533 92,976 2.a.2 b. To other depository institutions in the U.S. ______________________ B534 499 B534 499 2.b c. To banks in foreign countries _____________________________________ B535 28,533 2.c (1) To foreign branches of other U.S. banks _______________________ B536 2,697 2.c.1 (2) To other banks in foreign countries ___________________________ B537 25,836 2.c.2 3. Loans to finance agricultural production and other loans to farmers __ 1590 117,482 1590 117,482 3 4. Commercial and industrial loans: a. To U.S. addressees (domicile) _____________________________________ 1763 23,157,152 1763 23,157,152 4.a b. To non-U.S. addressees (domicile) _________________________________ 1764 244,311 1764 244,311 4.b 5. Not applicable. 6. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper): A. CREDIT CARDS ______________________________________________________ B538 0 B538 0 6.a B. OTHER REVOLVING CREDIT PLANS ______________________________________ B539 87,173 B539 87,173 6.b c. Other consumer loans (includes single payment, installment, and and all student loans _____________________________________________ 2011 10,487,427 2011 10,487,427 6.c 7. Loans to foreign government and official institutions (including foreign central banks) _______________________________________________ 2081 17,679 2081 17,679 7 8. Obligations (other than securities and leases) of states and political subdivisions in the U.S. _____________________________________________ 2107 1,096,091 2107 1,096,091 8 9. Other loans __________________________________________________________ 1563 1,758,726 9 a. Loans for purchasing or carrying securities (secured and unsecured) 1545 849,280 9.a b. All other loans (exclude consumer loans) __________________________ 1564 909,446 9.b 10. Lease financing receivables (net of unearned income) _________________ 2165 2,631,093 10 a. Of U.S. addressees (domicile) _____________________________________ 2182 2,631,093 10.a b. Of non-U.S. addressees (domicile) _________________________________ 2183 0 10.b 11. LESS: Any unearned income on loans reflected in items 1-9 above ______ 2123 0 2123 0 11 12. Total loans and leases, net of unearned income (sum of items 1 through 10 minus item 11) (total of column A must equal Schedule RC, item 4.a and 4.b) _______________________________________ 2122 71,836,454 2122 71,836,454 12 SUNTRUST BANK FFIEC 03 _________________________________________ Legal Title of Bank RC-7 FDIC Certificate Number - 00867 17 SCHEDULE RC-C--CONTINUED PART I. CONTINUED Memoranda Dollar Amounts in Thousands RCFD Bil | Mil | Thou _________________________________________________________________________________________________________________________ 1. LOANS AND LEASES RESTRUCTURED AND IN COMPLIANCE WITH MODIFIED TERMS (INCLUDED IN SCHEDULE RC-C, PART I, AND NOT REPORTED AS PAST DUE OR NONACCRUAL IN SCHEDULE RC-N, MEMORANDUM ITEM 1) (EXCLUDE LOANS SECURED BY 1-4 FAMILY RESIDENTIAL PROPERTIES AND LOANS TO INDIVIDUALS FOR HOUSEHOLD, FAMILY, AND OTHER PERSONAL EXPENDITURES) ___________________________________________ 1616 4 M.1 2. Maturity and repricing data for loans and leases (excluding those in nonaccrual status): a. Closed-end loans secured by first liens on 1-4 family residential properties in domestic offices (reported in Schedule RC-C, part I, item 1.c.(2)(a), column B) with a remaining maturity or next repricing date of: (1, 2) RCON (1) Three months or less ___________________________________________________________________ A564 1,329,371 M.2.a.1 (2) Over three months through 12 months ____________________________________________________ A565 2,339,105 M.2.a.2 (3) Over one year through three years ______________________________________________________ A566 3,410,017 M.2.a.3 (4) Over three years through five years ____________________________________________________ A567 3,269,584 M.2.a.4 (5) Over five years through 15 years _______________________________________________________ A568 2,435,942 M.2.a.5 (6) Over 15 years __________________________________________________________________________ A569 3,494,716 M.2.a.6 b. All loans and leases (reported in Schedule RC-C, part I, items 1 through 10, column A) EXCLUDING closed-end loans secured by first liens on 1-4 family residential properties in domestic offices (reported in Schedule RC-C, part I item 1.c.(2)(a), column B) with a remaining maturity or next repricing date of: (1,3) RCFD (1) Three months or less ___________________________________________________________________ A570 28,614,930 M.2.b.1 (2) Over three months through 12 months ____________________________________________________ A571 3,111,706 M.2.b.2 (3) Over one year through three years ______________________________________________________ A572 5,700,388 M.2.b.3 (4) Over three years through five years ____________________________________________________ A573 9,293,387 M.2.b.4 (5) Over five years through 15 years _______________________________________________________ A574 5,214,092 M.2.b.5 (6) Over 15 years __________________________________________________________________________ A575 3,216,171 M.2.b.6 c. Loans and leases (reported in Schedule RC-C, part I, items 1 through 10, column A) with a REMAINING MATURITY of one year or less (excluding those in nonaccrual status) _______ A247 14,308,910 M.2.c 3. Loans to finance commercial real estate, construction, and land development activities (not secured by real estate) included in Schedule RC-C, part I, items 4 and 9, column A (4) ________________________________ 2746 1,645,333 M.3 4. Adjustable rate closed-end loans secured by first liens on 1-4 family residential properties in domestic offices RCON (included in Schedule RC-C, part I, item 1.c.(2)(a), column B) ________________________________ 5370 14,218,959 M.4 5. LOANS SECURED BY REAL ESTATE TO NON-U.S. ADDRESSES (DOMICILE) (INCLUDED IN RCFD SCHEDULE RC-C, PART I, ITEM 1, COLUMN A) ______________________________________________________ B837 29,430 M.5 ________ (1) Report fixed rate loans and leases by remaining maturity and floating rate loans by next repricing date. (2) Sum of Memorandum items 2.a.(1) through 2.a.(6) plus total nonaccrual closed-end loans secured by first liens on 1-4 family residential properties in domestic offices included in Schedule RC-N, item 1.c.(2), column C must equal total closed-end loans secured by first liens on 1-4 family residential properties from Schedule RC-C, part I, item 1.c.(2)(a), column B (3) Sum of Memorandum items 2.b.(1) through 2.b.(6) plus total nonaccrual loans and leases from Schedule RC-N, sum of items 1 through 8, column C, minus nonaccrual closed-end loans secured by first liens on 1-4 family residential properties in domestic offices included in Schedule RC-N, item 1.c.(2), column C, must equal total loans and leases from Schedule RC-C, Part I, sum or items 1 through 10, column A, minus total closed-end loans secured by first liens on 1-4 family residential properties in domestic offices from Schedule RC-C, part I, item 1.c.(2)(a), column B. (4) Exclude loans secured by real estate that are included in Schedule RC-C, part I, item 1, column A.
SUNTRUST BANK FFIEC 03 _________________________________________ Legal Title of Bank RC-7a FDIC Certificate Number - 00867 17A SCHEDULE RC-C--CONTINUED PART II. LOANS TO SMALL BUSINESSES AND SMALL FARMS SCHEDULE RC-C, PART II IS TO BE REPORTED ONLY WITH THE JUNE REPORT OF CONDITION. Report the number and amount currently outstanding as of June 30 of business loans with "original amounts" of $1,000,000 or less and farm loans with "original amounts" of $500,000 or less. The following guidelines should be used to determine the "original amount" of a loan: (1) For loans drawn down under lines of credit or loan commitments, the "original amount" of the loan is the size of the line of credit or loan commitment when the line of credit or loan commitment was most recently approved, extended, or renewed prior to the report date. However, if the amount currently outstanding as of the report date exceeds this size, the "original amount" is the amount currently outstanding on the report date. (2) For loan participations and syndications, the "original amount" of the loan participation or syndication is the entire amount of credit originated by the lead lender. (3) For all other loans, the "original amount" is the total amount of the loan at origination or the amount currently outstanding as of the report date, whichever is larger. LOANS TO SMALL BUSINESSES 1. Indicate in the appropriate box at the right whether all or substantially all of the dollar volume of your bank's "Loans secured by nonfarm nonresidential properties" in domestic offices reported in Schedule RC-C, part I, item 1.e, column B, and all or substantially all of the dollar volume of your bank's "Commercial and industrial loans to U.S. addressees" in domestic offices reported in Schedule RC-C, part I, item 4.a, column B, have original amounts of $100,000 or less (If your bank has no loans outstanding in BOTH of these two loan categories, RCON YES / NO place an "X" in the box marked "NO.") ___________________________________________________________________ 6999 NO 1 If YES, complete items 2.a and 2.b below, skip items 3 and 4, and go to item 5. If NO, and your bank has loans outstanding in either loan category, skip items 2.a and 2.b, complete items 3 and 4 below, and go to item 5. If NO and your bank has no loans outstanding in both loan categories, skip items 2 through 4, and go to item 5. 2. Report the total number of loans currently outstanding for each of the following Schedule RC-C, part I, loan categories: a. "Loans secured by nonfarm nonresidential properties" in domestic offices Number reported in Schedule RC-C, part I, item 1.e, column B (Note: Item 1.e, column B, RCON of Loans divided by the number of loans should NOT exceed $100,000.) ____________________________ 5562 N/A 2.a b. "Commercial and industrial loans to U.S. addressees" in domestic offices reported in Schedule RC-C, part I, item 4.a, column B (Note: Item 4.a, column B, divided by the number of loans should NOT exceed $100,000.) __________________ 5563 N/A 2.b
(Column A) (Column B) Number Amount of Loans Currently Dollar Amounts in Thousands Outstanding __________________________________________________________________________________________________________________________ 3. Number and amount currently outstanding of "Loans secured by nonfarm RCON RCON Bil | Mil | Thou nonresidential properties" in domestic offices reported in Schedule RC-C, part I, item 1.e, column B (sum of items 3.a through 3.c must be less than or equal to Schedule RC-C, part I, item 1.e, column B): a. With original amounts of $100,000 or less ___________________________________ 5564 6,270 5565 254,262 3.a b. With original amounts of more than $100,000 through $250,000 ________________ 5566 5,148 5567 696,677 3.b c. With original amounts of more than $250,000 through $1,000,000 ______________ 5568 5,591 5569 2,290,264 3.c 4. Number and amount currently outstanding of "Commercial and industrial loans to U.S addressees" in domestic offices reported in Schedule RC-C, part I, item 4.a, column B (sum of items 4.a through 4.c must be less than or equal to Schedule RC-C, part I, item 4.a, column B): a. With original amounts of $ 100,000 or less __________________________________ 5570 36,706 5571 744,250 4.a b. With original amounts of more than $100,000 through $250,000 ________________ 5572 4,864 5573 530,987 4.b c. With original amounts of more than $250,000 through $1,000,000 ______________ 5574 4,136 5575 1,299,274 4.c SUNTRUST BANK FFIEC 03 _________________________________________ Legal Title of Bank RC-7b FDIC Certificate Number - 00867 17B SCHEDULE RC-C--CONTINUED PART II. CONTINUED AGRICULTURAL LOANS TO SMALL FARMS 5. Indicate in the appropriate box at the right whether all or substantially all of the dollar volume of your bank's "Loans secured by farmland (including farm residential and other improvements)" in domestic offices reported in Schedule RC-C, part I, item 1.b, column B, and all or substantially all of the dollar volume of your bank's "Loans to finance agricultural production and other loans to farmers" in domestic offices reported in Schedule RC-C, part I, item 3, column B, have original amounts of $100,000 or less (If your bank has no loans outstanding in BOTH of these two loan categories, RCON YES / NO place an "X" in the box marked "NO.") __________________________________________________________________ 6860 NO 5 If YES, complete items 6.a and 6.b below and do not complete items 7 and 8. If NO, and your bank has loans outstanding in either loan category, skip items 6.a and 6.b and complete items 7 and 8 below. If NO and your bank has no loans outstanding in both loan categories, do not complete items 6 through 8. 6. Report the total number of loans currently outstanding for each of the following Number of Schedule RC-C, part I, loan categories: Loans a. "Loans secured by farmland (including farm residential and other improvements)" in domestic offices reported in Schedule RC-C, part I, item 1.b, column B (Note: Item 1.b, column B, divided by the number RCON of loans should NOT exceed $100,000.) ____________________________________________ 5576 N/A 6.a b. "Loans to finance agricultural production and other loans to farmers" in domestic offices reported in Schedule RC-C, part I, item 3, column B (Note: Item 3, column B, divided by the number of loans should NOT exceed $100,000.) _____________________________________________________ 5577 N/A 6.b (Column A) (Column B) Number Amount of Loans Currently Dollar Amounts in Thousands Outstanding ____________________________________________________________________________________________________________________________ 7. Number and amount currently outstanding of "Loans secured by farmland (including RCON RCON Bil | Mil | Thou farm residential and other improvements)" in domestic offices reported in Schedule RC-C, part I, item 1.b, column B (sum of items 7.a through 7.c must be less than or equal to Schedule RC-C, part I, item 1.b, column B): a. With original amounts of $100,000 or less _________________________________________ 5578 395 5579 13,994 7.a b. With original amounts of more than $100,000 through $250,000 ______________________ 5580 211 5581 27,796 7.b c. With original amounts of more than $250,000 through $500,000 ______________________ 5582 124 5583 36,812 7.c 8. Number and amount currently outstanding of "Loans to finance agricultural production and other loans to farmers" in domestic offices reported in Schedule RC-C, part I, item 3, column B, (sum of items 8.a through 8.c must be less than or equal to Schedule RC-C, part I, item 3 column B): a. With original amounts of $100,000 or less _________________________________________ 5584 878 5585 15,633 8.a b. With original amounts of more than $100,000 through $250,000 ______________________ 5586 117 5587 12,916 8.b c. With original amounts of more than $250,000 through $500,000 ______________________ 5588 77 5589 11,105 8.c
SUNTRUST BANK FFIEC 03 _________________________________________ Legal Title of Bank RC-8 FDIC Certificate Number - 00867 18 SCHEDULE RC-D--TRADING ASSETS AND LIABILITIES SCHEDULE RC-D IS TO BE COMPLETED BY BANKS THAT REPORTED AVERAGE TRADING ASSETS (SCHEDULE RC-K, ITEM 7) OF $2 MILLION OR MORE FOR ANY QUARTER OF THE PRECEDING YEAR.
Dollar Amounts in Thousands RCON Bil | Mil | Thou _____________________________________________________________________________________________________________________ ASSETS 1. U.S. Treasury securities in domestic offices _____________________________________________ 3531 0 1 2. U.S. Government agency obligations in domestic offices (exclude mortgage- backed securities) _______________________________________________________________________ 3532 0 2 3. Securities issued by states and political subdivisions in the U.S. in domestic offices ___ 3533 9,255 3 4. Mortgage-backed securities (MBS) in domestic offices: a. Pass-through securities issued or guaranteed by FNMA, FHLMC, or GNMA __________________ 3534 0 4.a b. Other mortgage-backed securities issued or guaranteed by FNMA, FHLMC, or GNMA (include CMOs, REMICs, and stripped MBS) ______________________________________________ 3535 0 4.b c. All other mortgage-backed securities __________________________________________________ 3536 0 4.c 5. Other debt securities in domestic offices ________________________________________________ 3537 0 5 6. - 8. Not applicable 9. Other trading assets in domestic offices _________________________________________________ 3541 475,039 9 RCFN 10. Trading assets in foreign offices ________________________________________________________ 3542 0 10 11. Revaluation gains on interest rate, foreign exchange rate, and other commodity and equity contracts: RCON a. In domestic offices ___________________________________________________________________ 3543 0 11.a RCFN b. In foreign offices ____________________________________________________________________ 3543 0 11.b RCFD 12. Total trading assets (sum of items 1 through 11) (must equal Schedule RC, item 5) ________ 3545 484,294 12 LIABILITIES RCFD Bil | Mil | Thou ______________________ 13. Liability for short positions ____________________________________________________________ 3546 0 13 14. Revaluation losses on interest rate, foreign exchange rate, and other commodity and equity contracts ________________________________________________________________________________ 3547 0 14 15. Total trading liabilities (sum of items 13 and 14) (must equal Schedule RC, item 15) _____ 3548 0 15
SUNTRUST BANK FFIEC 03 _________________________________________ Legal Title of Bank RC-9 FDIC Certificate Number - 00867 19 SCHEDULE RC-E--DEPOSIT LIABILITIES PART I. DEPOSITS IN DOMESTIC OFFICES
Nontransaction Transaction Accounts Accounts __________________________________________________________________ (Column A) (Column B) (Column C) Total MEMO: TOTAL Total transaction DEMAND nontransaction accounts DEPOSITS accounts (including total (INCLUDED IN (including demand deposits) COLUMN A) MMDAs) __________________________________________________________________ Dollar Amounts in Thousands RCON Bil | Mil | Thou RCON Bil | Mil | Thou RCON Bil | Mil | Thou _______________________________________________________________________________________________________________________ DEPOSITS OF: 1. Individuals, partnerships and corporations (INCLUDE ALL CERTIFIED AND OFFICIAL CHECKS) _____ B549 8,485,908 B550 49,633,796 1 2. U.S. Government _________________________________ 2202 6,279 2520 0 2 3. States and political subdivisions in the U.S. ___ 2203 1,060,870 2530 447,540 3 4. COMMERCIAL BANKS AND OTHER DEPOSITORY INSTITUTIONS IN THE U.S. ________________________ B551 575,672 B552 0 4 5. Banks in foreign countries ______________________ 2213 81,454 2236 0 5 6. Foreign governments, and official institutions (including foreign central banks) _______________ 2216 0 2377 0 6 7. Total (sum of items 1 through 6) (sum of columns A and C must equal Schedule RC, item 13.a) ______________________________________ 2215 10,210,183 2210 8,743,385 2385 50,081,336 7 MEMORANDA Dollar Amounts in Thousands RCON Bil | Mil | Thou ________________________________________________________________________________________________________________________ 1. Selected components of total deposits (i.e., sum of item 7, columns A and C): a. Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts ______________________ 6835 2,154,344 M.1.a b. Total brokered deposits __________________________________________________________________ 2365 2,720,000 M.1.b c. Fully insured brokered deposits (included in Memorandum item 1.b above): (1) Issued in denominations of less than $100,000 ________________________________________ 2343 0 M.1.c.1 (2) Issued either in denominations of $100,000 or in denominations greater than $100,000 and participated out by the broker in shares of $100,000 or less ____________ 2344 0 M.1.c.2 d. Maturity data for brokered deposits: (1) Brokered deposits issued in denominations of less than $100,000 with a remaining maturity of one year or less (included in Memorandum item 1.c.(1) above) _____________ A243 0 M.1.d.1 (2) Brokered deposits issued in denominations of $100,000 or more with a remaining maturity of one year or less (included in Memorandum item 1.b above) _________________ A244 375,000 M.1.d.2 e. Preferred deposits (uninsured deposits of states and political subdivisions in the U.S. reported in item 3 above which are secured or collateralized as required under state law) (TO BE COMPLETED FOR THE DECEMBER REPORT ONLY) ___________________________________________ 5590 N/A M.1.e 2. Components of total nontransaction accounts (sum of Memorandum items 2.a through 2.c must equal item 7, column C, above): a. Savings deposits: (1) Money market deposit accounts (MMDAs) ________________________________________________ 6810 28,644,966 M.2.a.1 (2) Other savings deposits (excludes MMDAs) ______________________________________________ 0352 6,024,107 M.2.a.2 b. Total time deposits of less than $100,000 ________________________________________________ 6648 8,917,202 M.2.b c. Total time deposits of $100,000 or more __________________________________________________ 2604 6,495,061 M.2.c SUNTRUST BANK FFIEC 03 _________________________________________ Legal Title of Bank RC-10 FDIC Certificate Number - 00867 20 SCHEDULE RC-E--CONTINUED Part I. Continued Memoranda (continued) Dollar Amounts in Thousands RCON Bil | Mil | Thou _______________________________________________________________________________________________________________________ 3. Maturity and repricing data for time deposits of less than $100,000: a. Time deposits of less than $100,000 with a remaining maturity or next repricing date of (1,2) (1) Three months or less _________________________________________________________________ A579 558,224 M.3.a.1 (2) Over three months through 12 months __________________________________________________ A580 5,929,692 M.3.a.2 (3) Over one year through three years ____________________________________________________ A581 2,095,473 M.3.a.3 (4) Over three years _____________________________________________________________________ A582 333,813 M.3.a.4 b. Time deposits of less than $100,000 with a REMAINING MATURITY of one year or less (included in Memorandum items 3.a.(1) through 3.a.(4) above)(3) ______ A241 6,364,158 M.3.b 4. Maturity and repricing data for time deposits of $100,000 or more: a. Time deposits of $100,000 or more with a remaining maturity or next repricing date of (1,4) (1) Three months or less _________________________________________________________________ A584 340,153 M.4.a.1 (2) Over three months through 12 months __________________________________________________ A585 3,037,362 M.4.a.2 (3) Over one year through three years ____________________________________________________ A586 3,005,219 M.4.a.3 (4) Over three years _____________________________________________________________________ A587 112,327 M.4.a.4 b. Time deposits of $100,000 or more with a REMAINING MATURITY of one year or less (included in Memorandum items 4.a.(1) through 4.a.(4) above)(3) ______ A242 3,247,549 M.4.b _____ (1) Report fixed rate time deposits by remaining maturity and floating rate time deposits by next repricing date. (2) Sum of Memorandum items 3.a.(1) through 3.a.(4) must equal Schedule RC-E Memorandum item 2.b. (3) Report both fixed and floating rate time deposits by remaining maturity. Exclude floating rate time deposits with a next repricing date of one year or less that have a remaining maturity of over one year. (4) Sum of Memorandum items 4.a.(1) through 4.a.(4) must equal Schedule RC-E, Memorandum item 2.c.
PART II. DEPOSITS IN FOREIGN OFFICES (INCLUDING EDGE AND AGREEMENT SUBSIDIARIES AND IBFS)
Dollar Amounts in Thousands RCFN Bil | Mil | Thou _______________________________________________________________________________________________________________________ Deposits of: 1. INDIVIDUALS, PARTNERSHIPS, AND CORPORATIONS (INCLUDE ALL CERTIFIED AND OFFICIAL CHECKS) _____ B553 3,437,707 1 2. U.S. BANKS (INCLUDING IBFS AND FOREIGN BRANCHES OF U.S. BANKS) AND OTHER U.S. DEPOSITORY INSTITUTIONS _____________________________________________________________________ B554 0 2 3. Foreign banks (including U.S. branches and agencies of foreign banks, including their IBFs) _ 2625 221,053 3 4. Foreign governments and official institutions (including foreign central banks) _____________ 2650 0 4 5. U.S. GOVERNMENT AND STATES AND POLITICAL SUBDIVISIONS IN THE U.S. ___________________________ B555 0 5 6. Total (sum of items 1 through 5 ) (must equal Schedule RC, item 13.b) _______________________ 2200 3,658,760 6 MEMORANDUM Dollar Amounts in Thousands RCFN Bil | Mil | Thou _______________________________________________________________________________________________________________________ 1. Time deposits with a remaining maturity of one year or less (included in Part II, item 6 above) _________________________________________________________ A245 3,658,760 M.1
SUNTRUST BANK FFIEC 03 _________________________________________ Legal Title of Bank RC-11 FDIC Certificate Number - 00867 21 SCHEDULE RC-F--OTHER ASSETS
Dollar Amounts in Thousands RCFD Bil | Mil | Thou _______________________________________________________________________________________________________________________ 1. ACCRUED INTEREST RECEIVABLE (1) _____________________________________________________________ B556 527,686 1 2. Net deferred tax assets (2) _________________________________________________________________ 2148 0 2 3. Interest-only strips receivable (not in the form of a security) (3) on: a. Mortgage loans ___________________________________________________________________________ A519 0 3.a b. Other financial assets ___________________________________________________________________ A520 0 3.b 4. EQUITY SECURITIES THAT DO NOT HAVE READILY DETERMINABLE FAIR VALUES (4) _____________________ 1752 490,830 4 5. Other (itemize and describe amounts greater than $25,000 that exceed 25% of this item) ______ 2168 1,067,504 5 TEXT a. 2166 Prepaid expenses 2166 0 5.a b. C009 Cash surrender value of life insurance C009 0 5.b c. 1578 Repossessed personal property (including vehicles) 1578 0 5.c d. C010 Deriviatives with a positive fair value held for purposes other than trading C010 0 5.d e. 3549 Other Assets 3549 330,798 5.e f. 3550 3550 0 5.f g. 3551 3551 0 5.g 6. Total (sum of items 1 through 5) (must equal Schedule RC, item 11) __________________________ 2160 2,086,020 6
SCHEDULE RC-G--OTHER LIABILITIES
Dollar Amounts in Thousands RCON Bil | Mil | Thou _______________________________________________________________________________________________________________________ 1. a. Interest accrued and unpaid on deposits in domestic offices(5) ___________________________ 3645 123,183 1.a b. Other expenses accrued and unpaid (includes accrued income taxes RCFD payable) _________________________________________________________________________________ 3646 320,804 1.b 2. Net deferred tax liabilities (2) ____________________________________________________________ 3049 719,213 2 3. ALLOWANCE FOR CREDIT LOSSES ON OFF-BALANCE SHEET CREDIT EXPOSURES ___________________________ B557 0 3 4. Other (itemize and describe amounts greater than $25,000 that exceed 25% of this item) ______ 2938 1,240,714 4 TEXT a. 3066 Accounts payable 3066 670,145 4.a b. C011 Deferred compensation liabilities C011 0 4.b c. 2932 Dividends declared but not yet payable 2932 0 4.c d. C012 Derivatives with a negative fair value held for purposes other than trading C012 0 4.d e. 3552 3552 0 4.e f. 3553 3553 0 4.f g. 3554 3554 0 4.g 5. Total (sum of items 1 through 4) (must equal Schedule RC, item 20) __________________________ 2930 2,403,914 5 ________ (1) Include accrued interest receivable on loans, leases, debt securities, and other interest-bearing assets. (2) See discussion of deferred income taxes in Glossary entry on "income taxes." (3) Report interest-only strips receivable in the form of a security as available-for sale securities in Schedule RC, item 2.b, or as trading assets in Schedule RC, item 5, as appropriate. (4) Include Federal Reserve stock, Federal Home Loan Bank stock, and bankers' bank stock (5) For savings banks, includes "dividends" accrued and unpaid on deposits.
SUNTRUST BANK FFIEC 03 _________________________________________ Legal Title of Bank RC-12 FDIC Certificate Number - 00867 22 SCHEDULE RC-H--SELECTED BALANCE SHEET ITEMS FOR DOMESTIC OFFICES
Domestic Offices _______________________ Dollar Amounts in Thousands RCON Bil | Mil | Thou _______________________________________________________________________________________________________________________ 1. Customers' liability to this bank on acceptances outstanding _______________________________ 2155 89,475 1 2. Bank's liability on acceptances executed and outstanding ___________________________________ 2920 89,475 2 3. Federal funds sold and securities purchased under agreements to resell _____________________ 1350 2,428,869 3 4. Federal funds purchased and securities sold under agreements to repurchase _________________ 2800 12,161,227 4 5. Other borrowed money _______________________________________________________________________ 3190 9,411,416 5 EITHER 6. Net due from own foreign offices, Edge and Agreement subsidiaries, and IBFs ________________ 2163 N/A 6 OR 7. Net due to own foreign offices, Edge and Agreement subsidiaries, and IBFs __________________ 2941 3,610,482 7 8. Total assets (excludes net due from foreign offices, Edge and Agreement subsidiaries, and IBFs) __________________________________________________________________________________ 2192 98,042,596 8 9. Total liabilities (excludes net due to foreign offices, Edge and Agreement subsidiaries, and IBFs) __________________________________________________________________________________ 3129 85,847,947 9 IN ITEMS 10-17 REPORT THE AMORTIZED (HISTORICAL) COST OF BOTH HELD-TO-MATURITY AND AVAILABLE-FOR-SALE SECURITIES IN DOMESTIC OFFICES. RCON Bil | Mil | Thou ______________________ 10. U.S. Treasury securities ___________________________________________________________________ 1039 273,327 10 11. U.S. Government agency obligations (exclude mortgage-backed securities) ____________________ 1041 1,905,363 11 12. Securities issued by states and political subdivisions in the U.S. _________________________ 1042 451,760 12 13. Mortgage-backed securities (MBS): a. Pass-through securities: (1) Issued or guaranteed by FNMA, FHLMC, or GNMA ________________________________________ 1043 2,371,708 13.a.1 (2) Other pass-through securities _______________________________________________________ 1044 1,330,902 13.a.2 b. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS): (1) Issued or guaranteed by FNMA, FHLMC, or GNMA ________________________________________ 1209 5,046,084 13.b.1 (2) All other mortgage-backed securities ________________________________________________ 1280 32,794 13.b.2 14. Other domestic debt securities (include domestic asset-backed securities) __________________ 1281 2,940,594 14 15. Foreign debt securities (include foreign asset-backed securities) __________________________ 1282 3,300 15 16. Investments in mutual funds and other equity securities with readily determinable fair values ________________________________________________________________________________ A510 53,340 16 17. Total amortized (historical) cost of both held-to-maturity and available-for-sale secutities (sum of items 10 through 16) ____________________________________________________ 1374 14,409,172 17 18. Equity securities that do not have readily determinable fair values ________________________ 1752 490,830 18
SCHEDULE RC-I--SELECTED ASSETS AND LIABILITIES OF IBFS TO BE COMPLETED ONLY BY BANKS WITH IBFS AND OTHER "FOREIGN" OFFICES.
Dollar Amounts in Thousands RCFN Bil | Mil | Thou _______________________________________________________________________________________________________________________ 1. Total IBF assets of the consolidated bank (component of Schedule RC, item 12) _______________ 2133 32 1 2. Total IBF liabilities (component of Schedule RC, item 21) ___________________________________ 2898 73,159 2
SUNTRUST BANK FFIEC 03 _________________________________________ Legal Title of Bank RC-13 FDIC Certificate Number - 00867 23 SCHEDULE RC-K--QUARTERLY AVERAGES (1)
Dollar Amounts in Thousands RCFD Bil | Mil | Thou ____________________________________________________________________________________________________________________ ASSETS 1. Interest-bearing balances due from depository institutions _______________________________ 3381 93,939 1 2. U.S. TREASURY SECURITIES AND U.S. GOVERNMENT AGENCY OBLIGATIONS (2) (EXCLUDING MORTGAGE-BACKED SECURITIES) ___________________________________________________ B558 2,474,495 2 3. MORTGAGE-BACKED SECURITIES (2) ___________________________________________________________ B559 9,276,261 3 4. ALL OTHER SECURITIES (2, 3)(INCLUDES SECURITIES ISSUED BY STATES AND POLITICAL SUBDIVISIONS IN THE U.S.) ________________________________________________________________ B560 3,832,411 4 5. Federal funds sold and securities purchased under agreements to resell ___________________ 3365 2,652,279 5 6. Loans: a. Loans in domestic offices: RCON (1) Total loans _______________________________________________________________________ 3360 69,807,081 6.a.1 (2) Loans secured by real estate ______________________________________________________ 3385 32,447,333 6.a.2 (3) Loans to finance agricultural production and other loans to farmers _______________ 3386 134,250 6.a.3 (4) Commercial and industrial loans ___________________________________________________ 3387 24,973,904 6.a.4 (5) Loans to individuals for household, family, and other personal expenditures: (A) CREDIT CARDS __________________________________________________________________ B561 0 6.a.5.a (B) OTHER (INCLUDES SINGLE PAYMENT, INSTALLMENT, ALL STUDENT LOANS, AND REVOLVING CREDIT PLANS OTHER THAN CREDIT CARDS) _________________________________________ B562 10,274,104 6.a.5.b RCFN b. Total loans in foreign offices, Edge and Agreement subsidiaries, and IBFs _____________ 3360 0 6.b RCFD 7. Trading assets ___________________________________________________________________________ 3401 493,387 7 8. Lease financing receivables (net of unearned income) _____________________________________ 3484 2,603,088 8 9. Total assets(4) __________________________________________________________________________ 3368 97,762,238 9 LIABILITIES 10. Interest-bearing transaction accounts in domestic (NOW accounts, ATS accounts, RCON and telephone and preauthorized transfer accounts) (exclude demand deposits) _____________ 3485 1,410,164 10 11. Nontransaction accounts in domestic offices: A. SAVINGS DEPOSITS (INCLUDES MMDAS) _____________________________________________________ B563 31,509,234 11.a b. Time deposits of $100,000 or more _____________________________________________________ A514 6,173,221 11.b c. Time deposits of less than $100,000 ___________________________________________________ A529 9,097,848 11.c RCFN 12. Interest-bearing deposits in foreign offices, Edge and Agreement subsidiaries, and IBFs __ 3404 5,829,788 12 RCFD 13. Federal funds purchased and securities sold under agreements to repurchase _______________ 3353 13,258,264 13 14. Other borrowed money (includes mortgage indebtedness and obligations under capitalized leases) ________________ 3355 8,871,563 14 ________ (1) For all items, banks have the option of reporting either (1) an average of DAILY figures for the quarter, or (2) an average of WEEKLY figures (i.e., the Wednesday of each week of the quarter). (2) Quarterly averages for all debt securities should be based on amortized cost. (3) Quarterly averages for all equity securities should be based on historical cost. (4) The quarterly averages for total assets should reflect all debt securities (not held for trading) at amortized cost, equity securities with readily determinable fair values at the lower of cost or fair value, and equity securities without readily determinable fair values at historical cost.
SUNTRUST BANK FFIEC 03 _________________________________________ Legal Title of Bank RC-14 FDIC Certificate Number - 00867 24 SCHEDULE RC-L--DERIVATIVES AND OFF-BALANCE SHEET ITEMS Please read carefully the instructions for the preparation of Schedule RC-L. Some of the amounts reported in Schedule RC-L are regarded as volume indicators and not necessarily as measures of risk.
Dollar Amounts in Thousands RCFD Bil | Mil | Thou ___________________________________________________________________________________________________________________________ 1. Unused commitments: a. Revolving, open-end lines secured by 1-4 family residential properties, e.g., home equity lines _____________________________________________________________________ 3814 3,513,012 1.a b. Credit card lines ___________________________________________________________________________ 3815 0 1.b c. Commercial real estate, construction, and land development: (1) Commitments to fund loans secured by real estate ________________________________________ 3816 1,971,941 1.c.1 (2) Commitments to fund loans not secured by real estate ____________________________________ 6550 765,186 1.c.2 d. Securities underwriting _____________________________________________________________________ 3817 0 1.d e. Other unused commitments ____________________________________________________________________ 3818 41,067,849 1.e 2. Financial standby letters of credit and foreign office guarantees ______________________________ 3819 7,173,043 2 a. Amount of financial standby letters of credit conveyed to others ___________ 3820 721,736 2.a 3. Performance standby letters of credit and foreign office guarantees ____________________________ 3821 515,453 3. a. Amount of performance standby letters of credit conveyed to others _________ 3822 7,583 3.a 4. Commercial and similar letters of credit _______________________________________________________ 3411 132,431 4 5. To be completed by banks with $100 million or more in total assets: Participations in acceptances (as described in the instructions) conveyed to others by the reporting bank ________________________________________________________________ 3428 1,357 5 6. Securities lent (including customers' securities lent where the customer is indemnified against loss by the reporting bank) ________________________________________________ 3433 102,586 6 7. Notional amount of credit derivatives: a. Credit derivatives on which the reporting bank is the guarantor _____________________________ A534 0 7.a b. Credit derivatives on which the reporting bank is the beneficiary ___________________________ A535 20,000 7.b 8. Spot foreign exchange contracts ________________________________________________________________ 8765 441,056 8 9. All other off-balance sheet liabilities (exclude derivatives) (itemize and describe each component of this item over 25% of Schedule RC, item 28, "Total equity capital") _______________________________________________________________ 3430 0 9 TEXT a. 3432 Securities borrowed 3432 0 9.a b. 3434 Commitments to purchase when-issued securities 3434 0 9.b c. 3555 3555 0 9.c d. 3556 3556 0 9.d e. 3557 3557 0 9.e 10. All other off-balance sheet assets (exclude derivatives)(itemize and describe each component of this item over 25% Schedule RC item 28., "Total equity capital") _____________ 5591 0 10 TEXT a. 3435 Commitments to sell when-issued securities 3435 0 10.a b. 5592 5592 0 10.b c. 5593 5593 0 10.c d. 5594 5594 0 10.d e. 5595 5595 0 10.e SUNTRUST BANK FFIEC 03 _________________________________________ Legal Title of Bank RC-15 FDIC Certificate Number - 00867 25 SCHEDULE RC-L--CONTINUED Dollar Amounts in Thousands (Column A) (Column B) Interest Foreign Derivatives Position Indicators Rate Exchange Contracts Contracts ________________________________________________________________________________________________________ 11. Gross amounts (e.g., notional amounts) (for Tril | Bil | Mil | Thou Tril | Bil | Mil | Thou each column, sum of items 11.a through 11.e must equal sum of items 12 and 13): RCFD 8693 RCFD 8694 a. Futures contracts ___________________________ 5,850,000 0 11.a RCFD 8697 RCFD 8698 b. Forward contracts ___________________________ 4,415,329 2,177,118 11.b c. Exchange-traded option contracts: RCFD 8701 RCFD 8702 (1) Written options _________________________ 0 0 11.c.1 RCFD 8705 RCFD 8706 (2) Purchased options _______________________ 0 0 11.c.2 d. Over-the-counter option contracts: RCFD 8709 RCFD 8710 (1) Written options _________________________ 2,949,613 1,393 11.d.1 RCFD 8713 RCFD 8714 (2) Purchased options _______________________ 2,864,881 1,393 11.d.2 RCFD 3450 RCFD 3826 e. Swaps _______________________________________ 32,880,742 189,511 11.e 12. Total gross notional amount of RCFD A126 RCFD A127 derivative contracts held for trading __________ 0 0 12 13. Total gross notional amount of derivative contracts held for RCFD 8725 RCFD 8726 purposes other than trading ____________________ 48,960,565 2,369,415 13 a. Interest rate swaps where the bank RCFD A589 has agreed to pay a fixed rate ______________ 18,635,485 13.a 14. Gross fair values of derivative contracts: a. Contracts held for trading: RCFD 8733 RCFD 8734 (1) Gross positive fair value _______________ 0 48,167 14.a.1 RCFD 8737 RCFD 8738 (2) Gross negative fair value _______________ 0 37,115 14.a.2 b. Contracts held for purposes other than trading: RCFD 8741 RCFD 8742 (1) Gross positive fair value _______________ 529,354 12,744 14.b.1 RCFD 8745 RCFD 8746 (2) Gross negative fair value _______________ 480,955 8,595 14.b.2 Dollar Amounts in Thousands (Column C) (Column D) Equity Commodity Derivatives Position Indicators Derivative and Other Contracts Contracts ________________________________________________________________________________________________________ 11. Gross amounts (e.g., notional amounts) (for Tril | Bil | Mil | Thou Tril | Bil | Mil | Thou each column, sum of items 11.a through 11.e must equal sum of items 12 and 13): RCFD 8695 RCFD 8696 a. Futures contracts __________________________ 0 0 11.a RCFD 8699 RCFD 8700 b. Forward contracts ___________________________ 0 0 11.b c. Exchange-traded option contracts: RCFD 8703 RCFD 8704 (1) Written options _________________________ 0 0 11.c.1 RCFD 8707 RCFD 8708 (2) Purchased options _______________________ 0 0 11.c.2 d. Over-the-counter option contracts: RCFD 8711 RCFD 8712 (1) Written options _________________________ 351,792 0 11.d.1 RCFD 8715 RCFD 8716 (2) Purchased options _______________________ 351,792 0 11.d.2 RCFD 8719 RCFD 8720 e. Swaps _______________________________________ 0 0 11.e 12. Total gross notional amount of RCFD 8723 RCFD 8724 derivative contracts held for trading __________ 0 0 12 13. Total gross notional amount of derivative contracts held for RCFD 8727 RCFD 8728 purposes other than trading ____________________ 703,584 0 13 a. Interest rate swaps where the bank has agreed to pay a fixed rate ______________ 13.a 14. Gross fair values of derivative contracts: a. Contracts held for trading: RCFD 8735 RCFD 8736 (1) Gross positive fair value _______________ 0 0 14.a.1 RCFD 8739 RCFD 8740 (2) Gross negative fair value _______________ 0 0 14.a.2 b. Contracts held for purposes other than trading: RCFD 8743 RCFD 8744 (1) Gross positive fair value _______________ 65,515 0 14.b.1 RCFD 8747 RCFD 8748 (2) Gross negative fair value _______________ 65,515 0 14.b.2
SUNTRUST BANK FFIEC 03 _________________________________________ Legal Title of Bank RC-16 FDIC Certificate Number - 00867 26 SCHEDULE RC-M--MEMORANDA
Dollar Amounts in Thousands RCFD Bil | Mil | Thou ___________________________________________________________________________________________________________________________ 1. Extensions of credit by the reporting bank to its executive officers, directors, principal shareholders, and their related interests as of the report date: a. Aggregate amount of all extensions of credit to all executive officers, directors, principal shareholders, and their related interests ____________________________________________________ 6164 891,302 1.a b. Number of executive officers, directors, and principal shareholders to whom the amount of all extensions of credit by the reporting bank (including extensions of credit to related interests) equals or exceeds the lesser of $500,000 or NUMBER 5 percent of total capital as defined for this purpose in agency regulations ___ 6165 9 1.b 2. INTANGIBLE ASSETS OTHER THAN GOODWILL: a. Mortgage Servicing Assets ____________________________________________________________________ 3164 360,470 2.a (1) Estimated fair value of mortgage servicing assets __________________________ A590 387,213 2.a.1 b. Purchased credit card relationships and nonmortgage servicing assets _________________________ B026 0 2.b c. All other identifiable intangible assets _____________________________________________________ 5507 19,495 2.c D. TOTAL (SUM OF ITEMS 2.A, 2.B, AND 2.C) (MUST EQUAL SCHEDULE RC, ITEM 10.B) ___________________ 0426 379,965 2.d 3. Other real estate owned: a. Direct and indirect investments in real estate ventures ______________________________________ 5372 0 3.a b. All other real estate owned: RCON (1) CONSTRUCTION, LAND DEVELOPMENT, AND OTHER LAND IN DOMESTIC OFFICES _______________________ 5508 963 3.b.1 (2) Farmland in domestic offices _____________________________________________________________ 5509 0 3.b.2 (3) 1-4 family residential properties in domestic offices ____________________________________ 5510 18,002 3.b.3 (4) Multifamily (5 or more) residential properties in domestic offices _______________________ 5511 117 3.b.4 (5) Nonfarm nonresidential properties in domestic offices ____________________________________ 5512 12,168 3.b.5 RCFN (6) In foreign offices _______________________________________________________________________ 5513 0 3.b.6 RCFD c. Total (sum of items 3.a and 3.b) (must equal Schedule RC, item 7) ____________________________ 2150 31,250 3.c 4. Investments in unconsolidated subsidiaries and associated companies: a. Direct and indirect investments in real estate ventures ______________________________________ 5374 0 4.a b. All other investments in unconsolidated subsidiaries and associated companies ________________ 5375 0 4.b c. Total (sum of items 4.a and 4.b) (must equal Schedule RC, item 8) ____________________________ 2130 0 4.c 5. OTHER BORROWED MONEY: A. FEDERAL HOME LOAN BANK ADVANCES: (1) WITH A REMAINING MATURITY OF ONE YEAR OR LESS ____________________________________________ 2651 777,188 5.a.1 (2) WITH A REMAINING MATURITY OF MORE THAN ONE YEAR THROUGH THREE YEARS ______________________ B565 1,620,801 5.a.2 (3) WITH A REMAINING MATURITY OF MORE THAN THREE YEARS _______________________________________ B566 5,740,089 5.a.3 B. OTHER BORROWINGS: (1) WITH A REMAINING MATURITY OF ONE YEAR OR LESS ____________________________________________ B571 1,228,006 5.b.1 (2) WITH A REMAINING MATURITY OF MORE THAN ONE YEAR THROUGH THREE YEARS ______________________ B567 0 5.b.2 (3) WITH A REMAINING MATURITY OF MORE THAN THREE YEARS _______________________________________ B568 45,332 5.b.3 C. TOTAL (SUM OF ITEMS 5.A.(1) THROUGH 5.B.(3) MUST EQUAL SCHEDULE RC, ITEM 16) _________________ 3190 9,411,416 5.c YES / NO 6. DOES THE REPORTING BANK SELL PRIVATE LABEL OR THIRD PARTY MUTUAL FUNDS AND ANNUITIES? ___________ B569 NO 6 RCFD Bil | Mil | Thou 7. ASSETS UNDER THE REPORTING BANK'S MANAGEMENT IN PROPRIETARY MUTUAL FUNDS AND ANNUITIES __________ B570 0 7
SUNTRUST BANK FFIEC 03 _________________________________________ Legal Title of Bank RC-17 FDIC Certificate Number - 00867 27 SCHEDULE RC-N--PAST DUE AND NONACCRUAL LOANS, LEASES, AND OTHER ASSETS
(Column A) (Column B) (Column C) Past due Past due 90 Nonaccrual 30 through 89 days or more days and still and still accruing accruing Dollar Amounts in Thousands RCON Bil | Mil | Thou RCON Bil | Mil | Thou RCON Bil | Mil | Thou __________________________________________________________________________________________________________________________ 1. Loans secured by real estate: A. CONSTRUCTION, LAND DEVELOPMENT, AND OTHER LAND LOANS IN DOMESTIC OFFICES __________________ 2759 58,672 2769 1,634 3492 3,274 1.a b. Secured by farmland in domestic offices _________ 3493 1,840 3494 218 3495 1,327 1.b c. Secured by 1-4 family residential properties in domestic offices: (1) Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit ______________ 5398 4,903 5399 692 5400 1,147 1.c.1 (2) Closed-end loans secured by 1-4 family residential properties ___________ 5401 129,177 5402 17,516 5403 79,228 1.c.2 d. Secured by multifamily (5 or more) residential properties in domestic offices __________________ 3499 5,899 3500 119 3501 2,749 1.d e. Secured by nonfarm nonresidential properties properties in domestic offices __________________ 3502 72,408 3503 3,091 3504 34,551 1.e RCFN RCFN RCFN F. IN FOREIGN OFFICES ______________________________ B572 0 B573 0 B574 0 1.f 2. Loans to depository institutions and acceptances of other banks: a. To U.S. banks and other U.S. depository RCFD RCFD RCFD institutions ____________________________________ 5377 0 5378 0 5379 0 2.a b. To foreign banks ________________________________ 5380 0 5381 0 5382 2,615 2.b 3. Loans to finance agricultural production and other loans to farmers _____________________________ 1594 4,776 1597 364 1583 693 3 4. Commercial and industrial loans: a. To U.S. addressees (domicile) ___________________ 1251 175,649 1252 36,967 1253 271,746 4.a b. To non-U.S. addressees (domicile) _______________ 1254 660 1255 49 1256 0 4.b 5. Loans to individuals for household, family, and other personal expenditures: A. CREDIT CARDS ____________________________________ B575 0 B576 0 B577 0 5.a B. OTHER (INCLUDES SINGLE PAYMENT, INSTALLMENT, ALL STUDENT LOANS, AND REVOLVING CREDIT PLANS OTHER THAN CREDIT CARDS) ___________ B578 217,722 B579 151,283 B580 6,775 5.b 6. Loans to foreign governments and official institutions _______________________________________ 5389 0 5390 0 5391 0 6 7. All other loans ____________________________________ 5459 35,543 5460 1,162 5461 1,748 7 8. Lease financing receivables: a. Of U.S. addressees (domicile) ___________________ 1257 9,717 1258 2,337 1259 1,192 8.a b. Of non-U.S. addressees (domicile) _______________ 1271 0 1272 0 1791 0 8.b 9. Debt securities and other assets (exclude other real estate owned and other repossessed assets) ____ 3505 0 3506 0 3507 0 9 SUNTRUST BANK FFIEC 03 _________________________________________ Legal Title of Bank RC-18 FDIC Certificate Number - 00867 28 SCHEDULE RC-N--CONTINUED Amounts reported in Schedule RC-N, items 1 through 8, above include guaranteed and unguaranteed portions of past due and nonaccrual loans and leases. Report in item 10 below certain guaranteed loans and leases that have already been included in the amounts reported in items 1 through 8. (Column A) (Column B) (Column C) Past due Past due 90 Nonaccrual 30 through 89 days or more days and still and still accruing accruing Dollar Amounts in Thousands RCFD Bil | Mil | Thou RCFD Bil | Mil | Thou RCFD Bil | Mil | Thou _____________________________________________________________________________________________________________________ 10. Loans and leases reported in items 1 through 8 above which are wholly or partially guaranteed by the U.S. Government ____________ 5612 105,714 5613 144,812 5614 2,198 10 a. Guaranteed portion of loans and leases included in item 10 above _________________ 5615 66,862 5616 106,501 5617 1,760 10.a (Column A) (Column B) (Column C) Past due Past due 90 Nonaccrual 30 through 89 days or more days and still and still MEMORANDA accruing accruing Dollar Amounts in Thousands RCFD Bil | Mil | Thou RCFD Bil | Mil | Thou RCFD Bil | Mil | Thou _____________________________________________________________________________________________________________________ 1. Restructured loans and leases included in Schedule RC-N, items 1 through 8, above (and not reported in Schedule RC-C, Part I, Memorandum item 1) ____________________________ 1658 0 1659 0 1661 140 M.1 2. Loans to finance commercial real estate, construction, and land development activities (not secured by real estate) included in Schedule RC-N, items 4 and 7, above ___________ 6558 76,408 6559 10,983 6560 4,595 M.2 3. Loans secured by real estate to non-U.S. addresses (domicile) (included in Schedule RC-N, item 1, above) _________________ 1248 0 1249 0 1250 0 M.3 4. Not applicable (Column A) (Column B) Past due Past due 90 30 through days or more 5. Interest rate, foreign exchange rate, and other 89 days commodity and equity contracts: RCFD Bil | Mil | Thou RCFD Bil | Mil | Thou FAIR VALUE OF AMOUNTS CARRIED AS ASSETS ___________ 3529 0 3530 0 M.5
-------------------------------------------------------------------------------------------------- Person to whom questions about the Reports of Condition and Income should be directed: TODD BAILEY, VP --------------------------------------------------------------------------------------------- Name and Title (TEXT 8901) Todd.Bailey@SunTrust.com --------------------------------------------------------------------------------------------- E-mail Address (TEXT 4086) (404) 724-3835 (404) 827-6501 --------------------------------------------------------------------------------------------- Telephone: Area code/phone number/extension (TEXT & FAX: Area code/phone number (TEXT 9116) --------------------------------------------------------------------------------------------------
SUNTRUST BANK FFIEC 03 _________________________________________ Legal Title of Bank RC-19 FDIC Certificate Number - 00867 29 SCHEDULE RC-O--OTHER DATA FOR DEPOSIT INSURANCE AND FICO ASSESSMENTS
Dollar Amounts in Thousands RCON Bil | Mil | Thou ___________________________________________________________________________________________________________________________ 1. Unposted debits (see instructions): a. Actual amount of all unposted debits ________________________________________________________ 0030 0 1.a OR b. Separate amount of unposted debits: (1) Actual amount of unposted debits to demand deposits _____________________________________ 0031 N/A 1.b.1 (2) Actual amount of unposted debits to time and savings deposits (1) _______________________ 0032 N/A 1.b.2 2. Unposted credits (see instructions): a. Actual amount of all unposted credits _______________________________________________________ 3510 0 2.a OR b. Separate amount of unposted credits: (1) Actual amount of unposted credits to demand deposits ____________________________________ 3512 N/A 2.b.1 (2) Actual amount of unposted credits to time and savings deposits (1) ______________________ 3514 N/A 2.b.2 3. Uninvested trust funds (cash) held in bank's own trust department (not included in total deposits in domestic offices) __________________________________________________________________ 3520 0 3 4. Deposits of consolidated subsidiaries in domestic offices and in insured branches in Puerto Rico and U.S. territories and possessions ( not included in total deposits ): a. Demand deposits of consolidated subsidiaries ________________________________________________ 2211 0 4.a b. Time and savings deposits (1) of consolidated subsidiaries __________________________________ 2351 0 4.b c. Interest accrued and unpaid on deposits of consolidated subsidiaries ________________________ 5514 0 4.c 5. Deposits in insured branches in Puerto Rico and U.S. territories and possessions: a. Demand deposits in insured branches (included in Schedule RC-E, Part II) ____________________ 2229 0 5.a b. Time and saving deposits (1) in insured branches (included in Schedule RC-E, Part II) _______ 2383 0 5.b c. Interest accrued and unpaid on deposits in insured branches (included in Schedule RC-G, item 1.b) _______________________________________________________ 5515 0 5.c 6. Reserve balances actually passed through to the Federal Reserve by the reporting bank on behalf of its respondent depository institutions that are also reflected as deposit liabilities of the reporting bank: a. Amount reflected in demand deposits (included in Schedule RC-E, Part I, Item 7 column B) ____________________________________________________________________________ 2314 0 6.a b. Amount reflected in time and savings deposits (1) (included in Schedule RC-E, Part I, Item 7, column A or C, but not column B) ____________________________________________________ 2315 0 6.b 7. Unamortized premiums and discounts on time and savings deposits: (1,2) a. Unamortized premiums ________________________________________________________________________ 5516 0 7.a b. Unamortized discounts _______________________________________________________________________ 5517 0 7.b 8. TO BE COMPLETED BY BANKS WITH " OAKAR DEPOSITS ". a. Deposits purchased or acquired from other FDIC-insured institutions during the quarter (exclude deposits purchased or acquired from foreign offices other than insured branches in Puerto Rico and U.S. territories and possessions): (1) Total deposits purchased or acquired from other FDIC-insured institutions during the quarter ____________________________________________ A531 0 8.a.1 (2) Amount of purchased or acquired deposits reported in item 8.a.(1) above attributable to a secondary fund (i.e., BIF members report deposits attributable to SAIF; SAIF members report deposits attributable to BIF) _________________ A532 0 8.a.2 b. Total deposits sold or transferred to other FDIC-insured institutions during the quarter (exclude sales or transfers by the reporting bank of deposits in foreign offices other than insured branches in Puerto Rico and U.S. territories and possessions) __________________ A533 0 8.b _____ (1) For FDIC and FICO insurance assessment purposes, "time and savings deposits" consists of nontransaction accounts and all transaction accounts other than demand deposits. (2) Exclude core deposit intangibles.
SUNTRUST BANK FFIEC 03 _________________________________________ Legal Title of Bank RC-20 FDIC Certificate Number - 00867 30 SCHEDULE RC-O--CONTINUED
Dollar Amounts in Thousands RCON Bil | Mil | Thou ___________________________________________________________________________________________________________________________ 9. Deposits in lifeline accounts___________________________________________________________________ 5596 9 10. Benefit-responsive "Depository Institution Investment Contracts" (included in total deposits in domestic offices) __________________________________________________________________ 8432 0 10 11. Adjustments to demand deposits in domestic offices and in insured branches in Puerto Rico and U.S. territories and possessions reported in Schedule RC-E for certain reciprocal demand balances: a. Amount by which demand deposits would be reduced if the reporting bank's reciprocal demand balances with the domestic offices of U.S. banks and savings associations and insured branches in Puerto Rico and U.S. territories and possessions that were reported on a gross basis in Schedule RC-E had been reported on a net basis ____________________________________________________________ 8785 0 11.a b. Amount by which demand deposits would be increased if the reporting bank's reciprocal demand balances with foreign banks and foreign offices of other U.S. banks (other than insured branches in Puerto Rico and U.S. territories and possessions) that were reported on a net basis in Schedule RC-E had been reported on a gross basis ____________________________________________ A181 0 11.b c. Amount by which demand deposits would be reduced if cash items in process of collection were included in the calculation of the reporting bank's net reciprocal demand balances with the domestic offices of U.S. banks and savings associations and insured branches in Puerto Rico and U.S. territories and possessions in Schedule RC-E ________________________________________________ A182 0 11.c 12. Amount of assets netted against deposit liabilities in domestic offices and in insured branches in Puerto Rico and U.S. territories and possessions on the balance sheet (Schedule RC) in accordance with generally accepted accounting principles (exclude amounts related to reciprocal demand balances): a. Amount of assets netted against demand deposits _____________________________________________ A527 0 12.a b. Amount of assets netted against time and savings deposits ___________________________________ A528 0 12.b MEMORANDA (TO BE COMPLETED EACH QUARTER EXCEPT AS NOTED) Dollar Amounts in Thousands RCON Bil | Mil | Thou ___________________________________________________________________________________________________________________________ 1. Total deposits in domestic offices of the bank (sum of Memorandum items 1.a.(1) and 1.b.(1) must equal Schedule RC, item 13.a): a. Deposit accounts of $100,000 or less: (1) Amount of deposit accounts of $100,0000 or less _________________________________________ 2702 36,213,197 M.1.a 1 (2) Number of deposit accounts of $100,000 or less NUMBER _________________ (TO BE COMPLETED FOR THE JUNE REPORT ONLY) _____________________________ 3779 4,418,507 M.1.a 2 b. Deposit accounts of more than $100,000: (1) Amount of deposit accounts of more than $100,000 ________________________________________ 2710 24,078,322 M.1.b 1 NUMBER _________________ (2) Number of deposit accounts of more than $100,000 _______________________ 2722 81,046 M.1.b 2 2. Estimated amount of uninsured deposits in domestic offices of the bank: a. An estimate of your bank's uninsured deposits can be determined by multiplying the number of deposit accounts of more than $100,000 reported in Memorandum item 1.b.(2) above by $100,000 and subtracting the result from the amount of deposit accounts of more than $100,000 reported in Memorandum item 1.b.(1) above. Indicate in the appropriate box at right whether your bank has a method or procedure for determining a better estimate of uninsured deposits than the RCON YES / NO estimate described above ____________________________________________________________________ 6861 NO M.2.a b. If the box marked YES has been checked, report the estimate of uninsured deposits Bil | Mil | Thou determined by using your bank's method or procedure _________________________________________ 5597 0 M.2.b 3. Has the reporting institution been consolidated with a parent bank or savings association in that parent bank's or parent savings association's Call Report or Thrift Financial Report? If so, report the legal title and FDIC Certificate Number of the parent bank or parent savings association: TEXT RCON FDIC CERT NO. A545 A545 N/A M.3
SUNTRUST BANK FFIEC 03 _________________________________________ Legal Title of Bank RC-21 FDIC Certificate Number - 00867 31 SCHEDULE RC-R--REGULATORY CAPITAL
Dollar Amounts in Thousands RCFD Bil | Mil | Thou ___________________________________________________________________________________________________________________________ TIER 1 CAPITAL 1. Total equity capital (from Schedule RC, item 28) _______________________________________________ 3210 8,417,674 1 2. LESS: Net unrealized gains (losses) on available-for-sale securities (1) (if a gain, report as a positive value; if a loss, report as a negative value) _________________ 8434 987,098 2 3. LESS: Net unrealized loss on available-for-sale EQUITY securities (1) (report loss as a positive value) ________________________________________________________________________________ A221 0 3 4. LESS: Accumulated net gains (losses) on cash flow hedges (1) (if a gain, report as a positive value; if a loss, report as a negative value) _________________ 4336 (27,507) 4 5. LESS: Nonqualifying perpetual preferred stock __________________________________________________ B588 0 5 6. Qualifying minority interests in consolidated subsidiaries _____________________________________ B589 166,493 6 7. LESS: Disallowed goodwill and other disallowed intangible assets _______________________________ B590 260,994 7 8. LESS: Disallowed servicing assets and purchased credit card relationships ______________________ B591 0 8 9. LESS: Disallowed deferred tax assets ___________________________________________________________ 5610 0 9 10. Other additions to (deductions from) Tier 1 capital ____________________________________________ B592 0 10 11. Tier 1 capital (sum of items 1, 6, and 10, less items 2, 3, 4, 5, 7, 8, and 9) _________________ 8274 7,363,582 11 TIER 2 CAPITAL 12. Qualifying subordinated debt and redeemable preferred stock ____________________________________ 5306 1,315,000 12 13. Cumulative perpetual preferred stock includible in Tier 2 capital ______________________________ B593 0 13 14. Allowance for loan and lease losses includible in Tier 2 capital _______________________________ 5310 848,294 14 15. Unrealized gains on available-for-sale equity securities includible in Tier 2 capital __________ 2221 513,845 15 16. Other Tier 2 capital components ________________________________________________________________ B594 0 16 17. Tier 2 capital (sum of items 12 through 16) ____________________________________________________ 5311 2,677,139 17 18. Allowable Tier 2 capital (lesser of item 11 or 17) _____________________________________________ 8275 2,677,139 18 19. Tier 3 capital allocated for market risk _______________________________________________________ 1395 0 19 20. LESS: Deductions for total risk-based capital __________________________________________________ B595 0 20 21. Total risk-based capital (sum of items 11, 18, and 19, less item 20) ___________________________ 3792 10,040,721 21 TOTAL ASSETS FOR LEVERAGE RATIO 22. Average total assets (from Schedule RC-K, item 9) ______________________________________________ 3368 97,762,238 22 23. LESS: Disallowed goodwill and other disallowed intangible assets (from item 7 above) ___________ B590 260,994 23 24. LESS: Disallowed servicing assets and purchased credit card relationships (from item 8 above) __ B591 0 24 25. LESS: Disallowed deferred tax assets (from item 9 above) _______________________________________ 5610 0 25 26. LESS: Other deductions from assets for leverage capital purposes _______________________________ B596 0 26 27. Average total assets for leverage capital purposes (item 22 less items 23 through 26) __________ A224 97,501,244 27 ADJUSTMENTS FOR FINANCIAL SUBSIDIARIES 28. Adjustment to total risk-based capital reported in item 21 _____________________________________ B503 0 28 29. Adjustment to risk-weighted assets reported in item 62 _________________________________________ B504 0 29 30. Adjustment to average total assets reported in item 27 _________________________________________ B505 0 30 CAPITAL RATIOS (Column B is to be completed by all banks. Column A is to be completed by banks with financial subsidiaries) (Column A) (Column B) RCFD Percentage RCFD Percentage ____________________________________________ 31. Tier 1 leverage ratio (2) ________________________________________________ 7273 N/A 7204 7.55% 31 32. Tier 1 risk-based capital ratio (3) ______________________________________ 7274 N/A 7206 7.82% 32 33. Total risk-based capital ratio (4) _______________________________________ 7275 N/A 7205 10.66% 33 _____ (1) Report amount included in Schedule RC, item 26.b, "Accumulated other comprehensive income." (2) The ratio for column B is item 11 divided by item 27. The ratio for column A is item 11 minus one half of item 28 divided by (item 27 minus item 30). (3) The ratio for column B is item 11 divided by item 62. The ratio for column A is item 11 minus one half of item 28 divided by (item 62 minus item 29). (4) The ratio for column B is item 21 divided by item 62. The ratio for column A is item 21 minus item 28 divided by (item 62 minus item 29).
SUNTRUST BANK FFIEC 031 _________________________________________ Legal Title of Bank RC-22 FDIC Certificate Number - 00867 32 SCHEDULE RC-R--CONTINUED Banks are not required to risk-weight each on-balance sheet asset and the credit equivalent amount of each off-balance sheet item that qualifies for a risk weight of less than 100 percent (50 percent for derivatives) at its lower risk rate. When completing items 34 through 54 of Schedule RC-R, each bank should decide for itself how detailed a risk-weight analysis it wishes to perform. In other words, a bank can choose from among its assets and off-balance sheet items that have a risk weight of less than 100 percent which ones to risk-weight at an appropriate lower risk, or it can simply risk-weight some or all of these items at a 100 percent risk weight (50 percent for derivatives).
(Column A) (Column B) (Column C) (Column D) (Column E) (Column F) ____________________________________________________________ Totals Items Not Allocation by Risk Weight Category (from Subject to ____________________________________________________________ BALANCE SHEET ASSET CATEGORIES Schedule RC) Risk-Weighting 0% 20% 50% 100% _________________________________________________________________________________________ Dollar Amounts in Thousands Bil|Mil|Thou | Bil|Mil|Thou | Bil|Mil|Thou | Bil|Mil|Thou | Bil|Mil|Thou | Bil|Mil|Thou ________________________________________________________________________________________________________________________________ 34. Cash and balances due from RCFD 0010 RCFD B600 RCFD B601 RCFD B602 depository institutions (Column A equals the sum of Schedule RC, items 1.a and 1.b) ________________ 4,138,167 748,011 3,390,156 0 34 RCFD 1754 RCFD B603 RCFD B604 RCFD B605 RCFD B606 RCFD B607 35. Held-to-maturity securities _______ 0 0 0 0 0 0 35 RCFD 1773 RCFD B608 RCFD B609 RCFD B610 RCFD B611 RCFD B612 36. Available-for-sale securities _____ 15,927,784 1,020,288 580,184 9,319,618 1,496,615 3,511,079 36 37. Federal funds sold and securities RCFD 1350 RCFD B613 RCFD B614 RCFD 616 purchased under agreements to resell ____________________________ 2,428,869 0 2,428,869 0 37 RCFD 5369 RCFD B617 RCFD B618 RCFD B619 RCFD B620 RCFD B621 38. Loans and leases held for sale ____ 3,126,942 0 0 0 3,126,942 0 38 RCFD B528 RCFD B622 RCFD B623 RCFD B624 RCFD B625 RCFD B626 39. Loans and leases, net of unearned income (1) ________________________ 68,709,512 0 125,429 2,097,827 14,450,575 52,035,681 39 RCFD 3123 RCFD 3123 40. LESS: Allowance for loan and lease losses ____________________________ 848,294 848,294 40 RCFD 3545 RCFD B627 RCFD B628 RCFD B629 RCFD B630 RCFD B631 41. Trading assets ____________________ 484,294 0 0 0 9,255 475,039 41 RCFD B639 RCFD B640 RCFD B641 RCFD B642 RCFD B643 RCFD 5339 42. All other assets (2) ______________ 4,126,307 260,994 76,144 414,557 0 3,374,612 42 RCFD 2170 RCFD B644 RCFD 5320 RCFD 5327 RCFD 5334 RCFD 5340 43. Total assets (sum of items 34 through 42)________________________ 98,093,581 432,988 1,529,768 17,651,027 19,083,387 59,396,411 43 ______ (1) Include any allocated transfer risk reserve in column B. (2) Includes premises and fixed assets, other real estate owned, investments in unconsolidated subsidiaries and associated companies, customers' liability on acceptances outstanding, intangible assets, and other assets.
SUNTRUST BANK FFIEC 031 _________________________________________ Legal Title of Bank RC-23 FDIC Certificate Number - 00867 33 SCHEDULE RC-R--CONTINUED
(Column A) (Column B) (Column C) (Column D) (Column E) (Column F) Credit ___________________________________________________________ Face Value Conver- Credit Allocation by Risk Weight Category or Notional sion Equivalent ___________________________________________________________ Amount Factor Amount (1) 0% 20% 50% 100% ______________ _________________________________________________________________________ Dollar Amounts in Thousands Bil|Mil|Thou | | Bil|Mil|Thou | Bil|Mil|Thou | Bil|Mil|Thou | Bil|Mil|Thou | Bil|Mil|Thou _________________________________________________________________________________________________________________________________ DERIVATIVES AND OFF-BALANCE SHEET ITEMS RCFD 3819 RCFD B645 RCFD B646 RCFD B647 RCFD B648 RCFD B649 44. Financial standby letters of credit _________________ 7,173,043 1.00 7,173,043 50 932,677 35,063 6,205,253 44 45. Performance standby letters RCFD 3821 RCFD B650 RCFD B651 RCFD B652 RCFD B653 RCFD B654 of credit _________________ 515,453 .50 257,727 0 27,759 0 229,968 45 46. Commercial and similar RCFD 3411 RCFD B655 RCFD B656 RCFD B657 RCFD B658 RCFD B659 letters of credit _________ 132,431 .20 26,486 0 0 0 26,486 46 47. Risk participations in bankers acceptances acquired by the RCFD 3429 RCFD B660 RCFD B661 RCFD B662 RCFD B663 reporting institution _____ 1,023 1.00 1,023 0 0 1,023 47 RCFD 3433 RCFD B664 RCFD B665 RCFD B666 RCFD B667 RCFD B668 48. Securities lent ___________ 102,586 1.00 102,586 70,881 0 0 31,705 48 49. Retained recourse on small business obligations sold RCFD A250 RCFD B669 RCFD B670 RCFD B671 RCFD B672 RCFD B673 with recourse _____________ 0 1.00 0 0 0 0 0 49 50. Retained recourse on financial assets sold with RCFD 1727 * Below RCFD 2243 RCFD B674 low-level recourse ________ 5,649 12.5 70,613 70,613 50 51. All other financial assets RCFD B675 RCFD B676 RCFD B677 RCFD B678 RCFD B679 RCFD B680 sold with recourse ________ 4,176,996 1.00 4,176,996 0 2,789,945 1,332,950 54,101 51 52. All other off-balance RCFD B681 RCFD B682 RCFD B683 RCFD B684 RCFD B685 RCFD B686 sheet liabilities _________ 0 1.00 0 0 0 0 0 52 53. Unused commitments with an original maturity exceeding RCFD 3833 RCFD B687 RCFD B688 RCFD B689 RCFD B690 RCFD B691 one year __________________ 26,971,808 .50 13,485,904 0 357,635 0 13,128,269 53 RCFD A167 RCFD B693 RCFD B694 RCFD B695 54. Derivative contracts ______ 968,896 0 0 968,896 54 _____ * Or institution-specific factor. (1) Column A multiplied by credit conversion factor.
SUNTRUST BANK FFIEC 031 _________________________________________ Legal Title of Bank RC-24 FDIC Certificate Number - 00867 34 SCHEDULE RC-R--CONTINUED
(Column C) (Column D) (Column E) (Column F) ___________________________________________________________ Allocation by Risk Weight Category ___________________________________________________________ 0% 20% 50% 100% ___________________________________________________________ Dollar Amounts in Thousands Bil|Mil|Thou | Bil|Mil|Thou | Bil|Mil|Thou | Bil|Mil|Thou ____________________________________________________________________________________________________________________________ TOTALS 55. Total assets, derivatives, and off-balance sheet items by risk weight category (for each column, sum of items 43 RCFD B696 RCFD B697 RCFD B698 RCFD B699 through 54)__________________________________________________ 1,600,699 21,759,043 21,420,296 79,143,829 55 56. Risk weight factor __________________________________________ *0% *20% *50% *100% 56 57. Risk-weighted assets by risk weight category (for each RCFD B700 RCFD B701 RCFD B702 RCFD B703 column, item 55 multiplied by item 56) ______________________ 0 4,351,809 10,710,148 79,143,829 57 RCFD 1651 58. Market risk equivalent assets _______________________________ 0 58 59. Risk-weighted assets before deductions for excess allowance for loan and lease losses and allocated transfer risk reserve RCFD B704 (sum of item 57, columns C through F, and item 58) __________ 94,205,786 59 RCFD A222 60. LESS: Excess allowance for loan and lease losses ____________ 0 60 RCFD 3128 61. LESS: Allocated transfer risk reserve _______________________ 0 61 RCFD A223 62. Total risk-weighted assets (item 59 minus items 60 and 61) __ 94,205,786 62
Memoranda
Dollar Amounts in Thousands RCFD Bil|Mil|Thou _____________________________________________________________________________________________________________ 1. Current credit exposure across all derivative contracts covered by the risk-based capital standards___________________________________________ 8764 655,780 M.1 With a remaining maturity of __________________________________________________________________________ (Column A) (Column B) (Column C) One year Over one year Over or less through five years five years 2. Notional principal amounts of derivative __________________________________________________________________________ contracts: (1) RCFD Tril|Bil|Mil|Thou | RCFD Tril|Bil|Mil|Thou | RCFD Tril|Bil|Mil|Thou __________________________________________________________________________ a. Interest rate contracts ____________________ 3809 11,319,029 8766 19,702,599 8767 9,139,324 M.2.a b. Foreign exchange contracts _________________ 3812 1,666,728 8769 663,193 8770 0 M.2.b c. Gold contracts _____________________________ 8771 0 8772 0 8773 0 M.2.c d. Other precious metals contracts ____________ 8774 0 8775 0 8776 0 M.2.d e. Other commodity contracts __________________ 8777 0 8778 0 8779 0 M.2.e f. Equity derivative contracts ________________ A000 22,845 A001 328,946 A002 0 M.2.f _____ (1) Exclude foreign exchange contracts with an original maturity of 14 days or less and all futures contracts.
SUNTRUST BANK FFIEC 031 _________________________________________ Legal Title of Bank RC-25 FDIC Certificate Number - 00867 35 SCHEDULE RC-S--SECURITIZATION AND ASSET SALE ACTIVITIES ALL OF SCHEDULE RC-S IS TO BE COMPLETED BEGINNING JUNE 30, 2001.
(Column A) (Column B) (Column C) (Column D) (Column E) (Column F) (Column G) 1-4 Family Home Credit Auto Other Commercial All Other Residential Equity Card Loans Consumer and Industrial Loans and Loans Loans Receivables Loans Loans All Leases ____________________________________________________________________________________________ Dollar Amounts in Thousands Bil|Mil|Thou|Bil|Mil|Thou|Bil|Mil|Thou|Bil|Mil|Thou|Bil|Mil|Thou|Bil|Mil|Thou|Bil|Mil|Thou ___________________________________________________________________________________________________________________________ BANK SECURITIZATION ACTIVITIES 1. Outstanding principal balance of assets sold and securitized by the reporting bank with servicing retained or with recourse or other seller- provided credit RCFD B705 RCFD B706 RCFD B707 RCFD B708 RCFD B709 RCFD B710 RCFD B711 enhancements ______________ 26,168,230 0 0 0 171,923 53,944 0 1 2. Maximum amount of credit exposure arising from recourse or other seller- provided credit enhancements provided to structures reported in item 1 in the form of: a. Retained interest-only strips (included in Schedules RC-B or RC-F or RCFD B712 RCFD B713 RCFD B714 RCFD B715 RCFD B716 RCFD B717 RCFD B718 in Schedule RC, item 5)__ 0 0 0 0 0 0 0 2.a b. Standby letters of credit, sub-ordinated securities, and other RCFD B719 RCFD B720 RCFD B721 RCFD B722 RCFD B723 RCFD B724 RCFD B725 enhancements ____________ 1,326,458 0 0 0 4,200 9,000 0 2.b 3. Reporting bank's unused commitments to provide liquidity to structures RCFD B726 RCFD B727 RCFD B728 RCFD B729 RCFD B730 RCFD B731 RCFD B732 reported in item 1 _________ 673,283 0 0 0 63,452 53,944 0 3 4. Past due loan amounts included in item 1: RCFD B733 RCFD B734 RCFD B735 RCFD B736 RCFD B737 RCFD B738 RCFD B739 a. 30-89 days past due _____ 506,240 0 0 0 5,009 0 0 4.a RCFD B740 RCFD B741 RCFD B742 RCFD B743 RCFD B744 RCFD B745 RCFD B746 b. 90 days or more past due_ 67,550 0 0 0 5,132 0 0 4.b 5. Charge-offs and recoveries on assets sold and securitized with servicing retained or with recourse or other seller-provided credit enhancements (calendar year- to-date): RIAD B747 RIAD B748 RIAD B749 RIAD B750 RIAD B751 RIAD B752 RIAD B753 a. Charge-offs _____________ 513 0 0 0 2 0 0 5.a RIAD B754 RIAD B755 RIAD B756 RIAD B757 RIAD B758 RIAD B759 RIAD B760 b. Recoveries ______________ 185 0 0 0 0 0 0 5.b
SUNTRUST BANK FFIEC 031 _________________________________________ Legal Title of Bank RC-26 FDIC Certificate Number - 00867 36 SCHEDULE RC-S--CONTINUED
(Column A) (Column B) (Column C) (Column D) (Column E) (Column F) (Column G) 1-4 Family Home Credit Auto Other Commercial All Other Residential Equity Card Loans Consumer and Industrial Loans and Loans Loans Receivables Loans Loans All Leases ____________________________________________________________________________________________ Dollar Amounts in Thousands Bil|Mil|Thou|Bil|Mil|Thou|Bil|Mil|Thou|Bil|Mil|Thou|Bil|Mil|Thou|Bil|Mil|Thou|Bil|Mil|Thou ___________________________________________________________________________________________________________________________ 6. Amount of ownership (or seller's) interest carried as: a. Securities (included in RCFD B761 RCFD B762 RCFD B763 RC-B or RC, item 5) ____ 0 0 0 6.a b. Loans (included in RCFD B500 RCFD B501 RCFD B502 Schedule RC-C) _________ 0 0 0 6.b 7. Past due loan amounts included in interests reported in item 6.a: RCFD B764 RCFD B765 RCFD B766 a. 30-89 days past due ____ 0 0 0 7.a b. 90 days or more past RCFD B767 RCFD B768 RCFD B769 due ____________________ 0 0 0 7.b 8. Charge-offs and recoveries on loan amounts included in interests reported in item 6.a (calendar year-to- date): RIAD B770 RIAD B771 RIAD B772 a. Charge-offs ____________ 0 0 0 8.a RIAD B773 RIAD B774 RIAD B775 b. Recoveries _____________ 0 0 0 8.b FOR SECURITIZATION FACILITIES SPONSORED BY OR OTHERWISE ESTABLISHED BY OTHER INSTITUTIONS 9. Maximum amount of credit exposure arising from credit enhancements provided by the reporting bank to other institutions' securitization structures in the form of standby letters of credit, purchased subordinated securities, and other RCFD B776 RCFD B777 RCFD B778 RCFD B779 RCFD B780 RCFD B781 RCFD B782 enhancements ______________ 0 0 0 0 0 0 0 9 10. Reporting bank's unused commitments to provide liquidity to other institutions' RCFD B783 RCFD B784 RCFD B785 RCFD B786 RCFD B787 RCFD B788 RCFD B789 securitization structures _ 0 0 0 0 0 0 0 10
SUNTRUST BANK FFIEC 031 _________________________________________ Legal Title of Bank RC-27 FDIC Certificate Number - 00867 37 SCHEDULE RC-S--CONTINUED
(Column A) (Column B) (Column C) (Column D) (Column E) (Column F) (Column G) 1-4 Family Home Credit Auto Other Commercial All Other Residential Equity Card Loans Consumer and Industrial Loans and Loans Loans Receivables Loans Loans All Leases ____________________________________________________________________________________________ Dollar Amounts in Thousands Bil|Mil|Thou|Bil|Mil|Thou|Bil|Mil|Thou|Bil|Mil|Thou|Bil|Mil|Thou|Bil|Mil|Thou|Bil|Mil|Thou ___________________________________________________________________________________________________________________________ BANK ASSET SALES 11. Assets sold with recourse or other seller-provided credit enhancements and not securitized by the RCFD B790 RCFD B791 RCFD B792 RCFD B793 RCFD B794 RCFD B795 RCFD B796 reporting bank ____________ 0 0 0 0 79,522 0 0 11 12. Maximum amount of credit exposure arising from recourse or other seller- provided credit enhancements provided to assets reported in RCFD B797 RCFD B798 RCFD B799 RCFD B800 RCFD B801 RCFD B802 RCFD B803 item 11 ___________________ 0 0 0 0 79,522 0 0 12
MEMORANDUM ITEMS 1, 2, AND 3 ARE TO BE COMPLETED BEGINNING JUNE 30, 2001. Memoranda
Dollar Amounts in Thousands RCFD Bil|Mil|Thou ___________________________________________________________________________________________________________________________ 1. Small Business obligations transferred with recourse under Section 208 of the Riegle Community Development and Regulatory Improvement Act of 1994: a. Outstanding principal balance ____________________________________________________________________ A249 0 M.1.a b. Amount of retained recourse on these obligations as of the report date ___________________________ A250 0 M.1.b 2. Outstanding principal balance of assets serviced for others: a. 1-4 family residential mortgages serviced with recourse or other servicer-provided credit enhancements _____________________________________________________________________________________ B804 4,440,541 M.2.a b. 1-4 family residential mortgages serviced with no recourse or other servicer-provided credit enhancements _____________________________________________________________________________________ B805 41,080,756 M.2.b c. Other financial assets (1) _______________________________________________________________________ A591 108,471 M.2.c 3. Asset-backed commercial paper conduits: a. Maximum amount of credit exposure arising from credit enhancements provided to conduit structures in the form of standby letters of credit, subordinated securities, and other enhancements: (1) Conduits sponsored by the bank, a bank affiliate, or the bank's holding company ______________ B806 204,183 M.3.a.1 (2) Conduits sponsored by other unrelated institutions ___________________________________________ B807 0 M.3.a.2 b. Unused commitments to provide liquidity to conduit structures: (1) Conduits sponsored by the bank, a bank affiliate, or the bank's holding company ______________ B808 2,012,709 M.3.b.1 (2) Conduits sponsored by other unrelated institutions ___________________________________________ B809 0 M.3.b.2 _____ (1) Memorandum item 2.c is to be completed beginning June 30, 2001, if the principal balance of other financial assets serviced for others is more than $10 million.
OPTIONAL NARRATIVE STATEMENT CONCERNING THE AMOUNTS FFIEC 031 REPORTED IN THE REPORTS OF CONDITION AND INCOME RC-31 at close of business on June 30, 2001 41 SUNTRUST BANK ATLANTA GA ------------- ------- -- LEGAL TITLE OF BANK CITY STATE The management of the reporting bank may, if it wishes, submit a brief narrative statement on the amounts reported in the Reports of Condition and Income. This optional statement will be made available to the public, along with the publicly available data in the Reports of Condition and Income, in response to any request for individual bank report data. However, the information reported in Schedule RC-T, items 12 through 23 and Memorandum item 4, is regarded as confidential and will not be released to the public. BANKS CHOOSING TO SUBMIT THE NARRATIVE STATEMENT SHOULD ENSURE THAT THE STATEMENT DOES NOT CONTAIN THE NAMES OR OTHER IDENTIFICATIONS OF INDIVIDUAL BANK CUSTOMERS, REFERENCES TO THE AMOUNTS REPORTED IN THE CONFIDENTIAL ITEMS IN SCHEDULE RC-N, OR ANY OTHER INFORMATION THAT THEY ARE NOT WILLING TO HAVE MADE PUBLIC OR THAT WOULD COMPROMISE THE PRIVACY OF THEIR CUSTOMERS. Banks choosing not to make a statement may check the "No comment" box below and should make no entries of any kind in the space provided for the narrative statement; i.e., DO NOT enter in this space such phrases as "No statement," "Not applicable," "N/A," "No comment," and "None." The optional statement must be entered on this sheet. The statement should not exceed 100 words. Further, regardless of the number of words, the statement must not exceed 750 characters, including punctuation, indentation, and standard spacing between words and sentences. If any submission should exceed 750 characters, as defined, it will be truncated at 750 characters with no notice to the submitting bank and the truncated statement will appear as the bank's statement both on agency computerized records and in computer-file releases to the public. All information furnished by the bank in the narrative statement must be accurate and not misleading. Appropriate efforts shall be taken by the submitting bank to ensure the statement's accuracy. The statement must be signed, in the space provided below, by a senior officer of the bank who thereby attests to its accuracy. If, subsequent to the original submission, material changes are submitted for the data reported in the Reports of Condition and Income, the existing narrative statement will be deleted from the files, and from disclosure; the bank, at its option, may replace it with a statement, under signature, appropriate to the amended data. The optional narrative statement will appear in agency records and in release to the public exactly as submitted (or amended as described in the preceding paragraph) by the management of the bank (except for the trucnation of the statements exceeding the 750-character limit described above.) THE STATEMENT WILL NOT BE EDITED OR SCREENED IN ANY WAY BY THE SUPERVISORY AGENCIES FOR ACCURACY OR RELEVANCE. DISCLOSURE OF THE STATEMENT SHALL NOT SIGNIFY THAT ANY FEDERAL SUPERVISORY AGENCY HAS VERIFIED OR CONFIRMED THE ACCURACY OF THE INFORMATION CONTAINED THEREIN. A STATEMENT TO THIS EFFECT WILL APPEAR ON ANY PUBLIC RELEASE OF THE OPTIONAL STATEMENT SUBMITTED BY THE MANAGEMENT OF THE REPORTING BANK. _______________________________________________________________________________ X = NO COMMENT Y = COMMENT ________________________________________ 6979 X BANK MANAGEMENT STATEMENT (please type or print clearly): TEXT ( 70 CHARACTERS PER LINE ) 6980 ____________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ____________________________________________________________________ SIGNATURE OF EXECUTIVE OFFICER OF BANK DATE OF SIGNATURE THIS PAGE IS TO BE COMPLETED BY ALL BANKS ________________________________________________________________________________ 42 NAME AND ADDRESS OF BANK OMB No. For OCC: 1557-0081 OMB No. For FDIC: 3064-0052 OMB No. For Federal Reserve: 7100-0036 SUNTRUST BANK Expiration Date: 3/31/2004 P.O. BOX 4418 CENTER 632 ATLANTA, GA 30302 SPECIAL REPORT (Dollar Amounts in Thousands) __________________________________________________ CLOSE OF BUSINESS DATE FDIC Certificate Number __________________________________________________ 6/30/2001 867 __________________________________________________ ________________________________________________________________________________ LOANS TO EXECUTIVE OFFICERS (COMPLETE AS OF EACH CALL REPORT DATE) ________________________________________________________________________________ The following information is required by Public Laws 90-44 and 102-242, but does not constitute a part of the Report of Condition. With each Report of Condition, these Laws require all banks to furnish a report of all loans or other extensions of credit to their executive officers made since the date of the previous Report of Condition. Data regarding individual loans or other extensions of credit are not required. If no such loans or other extensions of credit were made during the period, insert "none" against subitem (a). (Excluded the first $15,000 of indebtedness of each executive officer under bank credit card plan.) SEE SECTIONS 215.2 AND 215.3 OF TITLE 12 OF THE CODE OF FEDERAL REGULATIONS (FEDERAL RESERVE BOARD REGULATION O) FOR THE DEFINITIONS OF "EXECUTIVE OFFICER" AND "EXTENSION OF CREDIT," RESPECTIVELY. EXCLUDE LOANS AND OTHER EXTENSIONS OF CREDIT TO DIRECTORS AND PRINCIPAL SHAREHOLDERS WHO ARE NOT EXECUTIVE OFFICERS. ________________________________________________________________________________ RCFD a. Number of loans made to executive officers since the previous Call Report date________________________________ 3561 0 a b. Total dollar amount of above loans (in thousands of dollars)____________________________________ 3562 0 b c. Range of interest charged on above loans FROM TO (example: 9-3/4% = 9.75) _________________________ 7701 0.00% 7702 0.00% c ________________________________________________________________________________ ________________________________________________________________________________ SIGNATURE AND TITLE OF OFFICER AUTHORIZED TO SIGN REPORT DATE (Month, Day, Year) ________________________________________________________________________________ FDIC 8040/53 (3-01) REPORT OF CONDITION _______________________________________________________________________________ Consolidating domestic subsidiaries of the SUNTRUST BANK IN THE STATE OF GA AT CLOSE OF BUSINESS ON JUNE 30, 2001 published in response to call made by (Enter additional information below) ______________________________________________________________ ______________________________________________________________ ______________________________________________________________ STATEMENT OF RESOURCES AND LIABILITIES
Dollar Amounts in Thousands ____________________________________________________________________________________________________ ASSETS Cash and balances due from depository institutions: Noninterest-bearing balances and currency and coin ____________________________________ 4,029,295 Interest-bearing balances _____________________________________________________________ 108,872 Securities: Held-to-maturity securities ___________________________________________________________ 0 Available-for-sale securities _________________________________________________________ 15,927,784 Federal funds sold and securities purchased under agreements to resell ________________ 2,428,869 Loans and lease financing receivables: Loans and leases held for sale ________________________________________________________ 3,126,942 Loans and leases, net of unearned income _________________________________ 68,709,512 LESS: Allowance for loan and lease losses ________________________________ 848,294 Loans and leases, net of unearned income and allowance ________________________________ 67,861,218 Trading Assets __________________________________________________________________________ 484,294 Premises and fixed assets (including capitalized leases) ________________________________ 1,298,098 Other real estate owned _________________________________________________________________ 31,250 Investments in unconsolidated subsidiaries and associated companies _____________________ 0 Customers' liability to this bank on acceptances outstanding ____________________________ 89,475 Intangible assets Goodwill ______________________________________________________________________________ 241,499 Other intangible assets _______________________________________________________________ 379,965 Other assets ____________________________________________________________________________ 2,086,020 Total assets ____________________________________________________________________________ 98,093,581 FDIC /54C (3-90) _______________________________________________________________________________________________ REPORT OF CONDITION (CONTINUED) ____________________________________________________________________________________________________ LIABILITIES Dollar Amounts in Thousands ____________________________________________________________________________________________________ DEPOSITS: In domestic offices ___________________________________________________________________ 60,291,519 Noninterest-bearing ____________________________________________________ 8,743,385 Interest-bearing _______________________________________________________ 51,548,134 In foreign offices, Edge and Agreement subsidiaries, and IBFs _________________________ 3,658,760 Noninterest-bearing ____________________________________________________ 0 Interest-bearing _______________________________________________________ 3,658,760 Federal funds purchased and securities sold under agreements to repurchase ______________ 12,161,227 Trading liabilities _____________________________________________________________________ 0 Other borrowed money (includes mortgage indebtedness and obligations under capitalized leases) ___________________________________________________________________ 9,411,416 Bank's liability on acceptances executed and outstanding ________________________________ 89,475 Subordinated notes and debentures _______________________________________________________ 1,493,103 Other liabilities _______________________________________________________________________ 2,403,914 Total liabilities _______________________________________________________________________ 89,509,414 Minority interest in consolidated subsidiaries __________________________________________ 166,493 EQUITY CAPITAL Perpetual preferred stock and related surplus ___________________________________________ 0 Common stock ____________________________________________________________________________ 21,600 Surplus _________________________________________________________________________________ 2,516,538 Retained earnings _______________________________________________________________________ 4,919,946 Accumulated other comprehensive income __________________________________________________ 959,590 Other equity capital components _________________________________________________________ 0 Total equity capital ____________________________________________________________________ 8,417,674 Total liabilities, minority interest, and equity capital ________________________________ 98,093,581
We, the undersigned directors, I, WILLIAM P. OHALLORAN, SVP & CONTROLLER attest to the correctness of _____________________________________________ this statement of resources ( NAME, TITLE ) and liabilities. We declare of the above named bank do hereby declare that it has been examined by that this Report of Condition is true and us, and to the best of our correct to the best of my knowledge and knowledge and belief has been belief. prepared in conformance with the instructions and is true and correct. _____________ Director #1 _____________ _____________________________________________ _____________ Director #2 _____________________________________________ _____________ _____________ Director #3 _____________________________________________ _____________ SunTrust Bank