SunTrust Banks, Inc. and Subsidiaries

FINANCIAL HIGHLIGHTS

	Three Months Ended						% Change		Six Months Ended						% Change
	2003			2002					2003			2002
EARNINGS & DIVIDENDS
Period Ended June 30
(Dollars in millions except per share data)
Net income	$	330.4		$	343.7		(3.9	)%	$	658.2		$	648.6		1.5	%
Earnings per share
Diluted	$	1.17		$	1.20		(2.5	)	$	2.34		$	2.26		3.5
Basic		1.19			1.22		(2.5	)		2.37			2.29		3.5
Dividends paid per common share		0.45			0.43		4.7			0.90			0.86		4.7
Average shares outstanding (000s)
Diluted		280,287			287,288		(2.4	)		280,806			287,331		(2.3	)
Basic		277,397			283,293		(2.1	)		278,011			283,672		(2.0	)
KEY RATIOS
Return on average total assets1		1.11	%		1.29	%	(14.0	)%		1.12	%		1.24	%	(9.7	)%
Return on average assets less net unrealized gains on securities1		1.13			1.33		(15.0	)		1.14			1.27		(10.2	)
Return on average total equity1		14.95			15.77		(5.2	)		15.04			15.27		(1.5	)
Return on average realized equity1		17.87			19.97		(10.5	)		18.01			19.19		(6.1	)
Net interest margin2		3.05			3.48		(12.4	)		3.13			3.50		(10.6	)
Efficiency ratio2		59.53			55.73		6.8			59.40			56.92		4.4
Period Ended June 30
Book value per share		32.62			31.41		3.9
Equity to assets		7.59			8.33		(8.8	)
Tier 1 capital ratio		7.403			7.71		(4.0	)
Total capital ratio		11.303			12.13		(6.8	)
Tier 1 leverage ratio		7.283			7.62		(4.5	)
CONDENSED BALANCE SHEETS (Dollars in millions)
Average Balances
Securities available for sale	$	22,952		$	19,830		15.7	%	$	23,103		$	19,396		19.1	%
Loans held for sale		8,255			3,455		138.9			8,151			3,768		116.3
Loans		74,311			70,985		4.7			73,684			70,343		4.7
Other earning assets		3,381			3,349		1.0			3,296			3,201		3.0
Allowance for loan losses		(952	)		(934	)	1.9			(947	)		(916	)	3.4
Intangible assets		1,586			1,624		(2.3	)		1,570			1,405		11.7
Other assets		9,915			8,183		21.2			10,008			8,452		18.4
Total assets	$	119,448		$	106,492		12.2		$	118,865		$	105,649		12.5
Consumer and commercial deposits	$	69,097		$	65,466		5.5		$	68,286		$	63,848		7.0
Purchased liabilities4		23,005			15,634		47.1			23,386			16,283		43.6
Long-term debt		11,860			11,890		(0.3	)		11,822			12,080		(2.1	)
Other liabilities		6,622			4,759		39.1			6,545			4,872		34.3
Total liabilities		110,584			97,749		13.1			110,039			97,083		13.3
Realized shareholders' equity		7,414			6,901		7.4			7,369			6,816		8.1
Accumulated other comprehensive income		1,450			1,842		(21.3	)		1,457			1,750		(16.7	)
Total liabilities and shareholders' equity	$	119,448		$	106,492		12.2		$	118,865		$	105,649		12.5
Period Ended June 30
Securities available for sale	$	22,211		$	19,816		12.1
Loans held for sale		9,037			3,513		157.2
Loans		75,262			71,822		4.8
Other earning assets		4,283			3,550		20.6
Allowance for loan losses		(941	)		(929	)	1.3
Intangible assets		1,676			1,636		2.4
Other assets		9,329			8,580		8.7
Total assets	$	120,857		$	107,988		11.9
Consumer and commercial deposits	$	71,133		$	65,951		7.9
Purchased liabilities4		22,228			16,386		35.7
Long-term debt		11,990			11,968		0.2
Other liabilities		6,328			4,687		35.0
Total liabilities		111,679			98,992		12.8
Realized shareholders' equity		7,614			7,050		8.0
Accumulated other comprehensive income		1,564			1,946		(19.6	)
Total liabilities and shareholders' equity	$	120,857		$	107,988		11.9

¹ SunTrust presents a return on average assets less net unrealized gains on securities and a return on average realized equity. These performance measures exclude the net unrealized gains on the Company's securities portfolio. Due to its ownership of 48 million shares of common stock of The Coca-Cola Company, the Company believes this is a more indicative performance measure when being compared to other companies.

² The net interest margin and efficiency ratios are presented on a fully taxable-equivalent (FTE) and annualized basis. The FTE basis adjusts for the tax-favored status of income from certain loans and investments. The Company believes this measure to be the preferred industry measurement of net interest income and provides relevant comparison between taxable and non-taxable amounts.

³ Current period tier 1 capital, total capital and tier 1 leverage ratios are estimated as of the press release date.

⁴ Purchased liabilities include foreign and brokered deposits, funds purchased and other short-term borrowings.

Page 1

SunTrust Banks, Inc. and Subsidiaries

FINANCIAL HIGHLIGHTS

	Three Months Ended						% Change		Six Months Ended						% Change
	2003			2002					2003			2002
CREDIT DATA (Dollars in thousands)
Period Ended June 30
Allowance for loan losses—beginning	$	931,080		$	927,603		0.4	%	$	930,114		$	867,059		7.3	%
Allowance from acquisitions and other activity—net		9,324			—		100.0			9,324			15,531		(40.0	)
Provision for loan losses		82,662			111,018		(25.5	)		163,465			274,593		(40.5	)
Net charge-offs
Business credit card		594			178		233.7			1,163			213		446.0
Consumer		24,702			23,993		3.0			60,476			49,645		21.8
Residential		3,699			2,622		41.1			6,139			4,537		35.3
Commercial		53,182			82,896		(35.8	)		94,236			173,856		(45.8	)
Allowance for loan losses—ending	$	940,889		$	928,932		1.3		$	940,889		$	928,932		1.3
Total net charge-offs	$	82,177		$	109,689		(25.1	)	$	162,014		$	228,251		(29.0	)
Net charge-offs to average loans		0.44	%		0.62	%	(29.0	)		0.44	%		0.65	%	(32.3	)
Period Ended June 30
Nonaccrual loans	$	480,582		$	478,952		0.3
Restructured loans		2,500			—		100.0
Total nonperforming loans		483,082			478,952		0.9
Other real estate owned (OREO)		20,887			18,256		14.4
Other repossessed assets		11,421			21,323		(46.4	)
Total nonperforming assets	$	515,390		$	518,531		(0.6	)
Total nonperforming loans to total loans		0.64	%		0.67	%	(4.5	)
Total nonperforming assets to total loans plus
OREO and other repossessed assets		0.68			0.72		(5.6	)
Allowance to period-end loans		1.25			1.29		(3.1	)
Allowance to nonperforming loans		194.8			194.0		0.4
RECONCILEMENT OF NON-GAAP MEASURES
(Dollars in thousands)
Return on average total assets		1.11	%		1.29	%				1.12	%		1.24	%
Impact of excluding net unrealized securities gains		0.02			0.04					0.02			0.03
Return on average assets less net unrealized gains on securities		1.13			1.33					1.14			1.27
Return on average total shareholders' equity		14.95			15.77					15.04			15.27
Impact of excluding net unrealized securities gains		2.92			4.20					2.97			3.92
Return on average realized shareholders' equity		17.87			19.97					18.01			19.19
Net interest income	$	799,513		$	813,388				$	1,621,983		$	1,611,494
FTE adjustment		10,902			9,724					21,445			19,269
Net interest income—FTE	$	810,415		$	823,112				$	1,643,428		$	1,630,763

Page 2

SunTrust Banks, Inc. and Subsidiaries

CONSOLIDATED BALANCE SHEETS

(Dollars in thousands)

	As of June 30						Increase/(Decrease)
	2003			2002			Amount			%
ASSETS
Cash and due from banks	$	4,098,009		$	3,594,815		$	503,194		14.0	%
Interest-bearing deposits in other banks		8,701			331,256			(322,555	)	(97.4	)
Trading assets		2,122,225			1,640,842			481,383		29.3
Securities available for sale1		22,211,036			19,816,154			2,394,882		12.1
Funds sold and securities purchased under agreements to resell		2,151,606			1,577,772			573,834		36.4
Loans held for sale		9,037,490			3,512,952			5,524,538		157.3
Loans		75,261,756			71,822,335			3,439,421		4.8
Allowance for loan losses		(940,889	)		(928,932	)		(11,957	)	1.3
Net loans		74,320,867			70,893,403			3,427,464		4.8
Goodwill		1,059,720			966,579			93,141		9.6
Other intangible assets		616,137			669,000			(52,863	)	(7.9	)
Other assets		5,231,508			4,985,359			246,149		4.9
Total Assets2	$	120,857,299		$	107,988,132		$	12,869,167		11.9
LIABILITIES
Noninterest-bearing consumer and commercial deposits	$	19,077,066		$	15,049,628		$	4,027,438		26.8
Interest-bearing consumer and commercial deposits		52,055,755			50,901,361			1,154,394		2.3
Total consumer and commercial deposits		71,132,821			65,950,989			5,181,832		7.9
Brokered deposits		3,207,876			2,394,756			813,120		34.0
Foreign deposits		2,934,963			3,400,181			(465,218	)	(13.7	)
Total deposits		77,275,660			71,745,926			5,529,734		7.7
Funds purchased and securities sold under agreements to repurchase		15,089,770			9,289,877			5,799,893		62.4
Other short-term borrowings		995,147			1,301,476			(306,329	)	(23.5	)
Long-term debt		11,989,592			11,967,859			21,733		0.2
Trading liabilities		1,179,121			642,406			536,715		83.5
Other liabilities		5,149,306			4,044,310			1,104,996		27.3
Total liabilities		111,678,596			98,991,854			12,686,742		12.8
SHAREHOLDERS' EQUITY
Preferred stock, no par value		—			—			—		—
Common stock, $1.00 par value		294,163			294,163			—		—
Additional paid in capital		1,288,657			1,276,833			11,824		0.9
Retained earnings		6,727,923			5,882,712			845,211		14.4
Treasury stock and other		(696,517	)		(403,128	)		(293,389	)	72.8
Realized shareholders' equity		7,614,226			7,050,580			563,646		8.0
Accumulated other comprehensive income		1,564,477			1,945,698			(381,221	)	(19.6	)
Total shareholders' equity		9,178,703			8,996,278			182,425		2.0
Total Liabilities and Shareholders' Equity	$	120,857,299		$	107,988,132		$	12,869,167		11.9
Common shares outstanding		281,392,725			286,397,241			(5,004,516	)	(1.7	)
Common shares authorized		750,000,000			750,000,000			—		—
Treasury shares of common stock		12,770,032			7,765,516			5,004,516		64.4
1Includes net unrealized gains of:		2,474,229			3,085,923			(611,694	)	(19.8	)
2Includes earning assets of:		108,318,585			95,615,388			12,703,197		13.3

Page 3

SunTrust Banks, Inc. and Subsidiaries

CONSOLIDATED STATEMENTS OF INCOME

(Dollars in thousands, except per share data)

	Three Months Ended										Six Months Ended
	June 30					Increase/(Decrease)					June 30						Increase/(Decrease)
	2003			2002		Amount			%		2003			2002			Amount			%
Interest income	$	1,174,040		$	1,291,952	$	(117,912	)	(9.1	)%	$	2,392,161		$	2,589,541		$	(197,380	)	(7.6	)%
Interest expense		374,527			478,564		(104,037	)	(21.7	)		770,178			978,047			(207,869	)	(21.3	)
NET INTEREST INCOME		799,513			813,388		(13,875	)	(1.7	)		1,621,983			1,611,494			10,489		0.7
Provision for loan losses		82,662			111,018		(28,356	)	(25.5	)		163,465			274,593			(111,128	)	(40.5	)
NET INTEREST INCOME AFTER
PROVISION FOR LOAN LOSSES		716,851			702,370		14,481		2.1			1,458,518			1,336,901			121,617		9.1
NONINTEREST INCOME
Service charges on deposit accounts		157,954			153,791		4,163		2.7			315,775			299,767			16,008		5.3
Trust and investment management income		124,215			132,171		(7,956	)	(6.0	)		245,010			261,258			(16,248	)	(6.2	)
Retail investment services		41,991			37,331		4,660		12.5			79,459			68,617			10,842		15.8
Other charges and fees		82,574			75,557		7,017		9.3			160,845			145,946			14,899		10.2
Mortgage production		82,148			2,954		79,194		2,680.9			120,952			8,775			112,177		1,278.4
Mortgage servicing		(80,122	)		807		(80,929	)	(10,028.4	)		(127,146	)		(5,525	)		(121,621	)	(2,201.3	)
Investment banking income		57,167			52,779		4,388		8.3			90,979			97,603			(6,624	)	(6.8	)
Trading account profits and commissions		29,583			24,233		5,350		22.1			60,376			49,891			10,485		21.0
Credit card and other fees		32,376			31,383		993		3.2			61,049			62,610			(1,561	)	(2.5	)
Other noninterest income		37,668			34,944		2,724		7.8			63,875			84,091			(20,216	)	(24.0	)
Securities gains		31,238			55,737		(24,499	)	(44.0	)		73,277			119,187			(45,910	)	(38.5	)
Total noninterest income		596,792			601,687		(4,895	)	(0.8	)		1,144,451			1,192,220			(47,769	)	(4.0	)
NONINTEREST EXPENSE
Personnel expense		482,599			466,781		15,818		3.4			956,324			927,006			29,318		3.2
Net occupancy expense		58,563			55,927		2,636		4.7			116,285			109,937			6,348		5.8
Outside processing and software		61,022			53,989		7,033		13.0			118,076			108,258			9,818		9.1
Equipment expense		44,546			43,204		1,342		3.1			88,016			86,952			1,064		1.2
Marketing and customer development		25,583			18,244		7,339		40.2			50,462			43,439			7,023		16.2
Amortization of intangible assets		15,208			17,456		(2,248	)	(12.9	)		31,925			23,988			7,937		33.1
Merger-related expenses		—			—		—		—			—			15,998			(15,998	)	(100.0	)
Other noninterest expense		150,207			138,381		11,826		8.5			294,869			291,283			3,586		1.2
Total noninterest expense		837,728			793,982		43,746		5.5			1,655,957			1,606,861			49,096		3.1
INCOME BEFORE INCOME TAXES		475,915			510,075		(34,160	)	(6.7	)		947,012			922,260			24,752		2.7
Provision for income taxes		145,556			166,390		(20,834	)	(12.5	)		288,805			273,694			15,111		5.5
NET INCOME	$	330,359		$	343,685	$	(13,326	)	(3.9	)	$	658,207		$	648,566		$	9,641		1.5
Net interest income (taxable-equivalent)1		810,415			823,112		(12,697	)	(1.5	)		1,643,428			1,630,763			12,665		0.8
Earnings per share
Diluted		1.17			1.20		(0.03	)	(2.5	)		2.34			2.26			0.08		3.5
Basic		1.19			1.22		(0.03	)	(2.5	)		2.37			2.29			0.08		3.5
Cash dividends paid per common share		0.45			0.43		0.02		4.7			0.90			0.86			0.04		4.7
Average shares outstanding (000s)
Diluted		280,287			287,288		(7,001	)	(2.4	)		280,806			287,331			(6,525	)	(2.3	)
Basic		277,397			283,293		(5,896	)	(2.1	)		278,011			283,672			(5,661	)	(2.0	)

¹ Net interest income includes the effects of taxable-equivalent adjustments using a federal tax rate of 35% and state income taxes where applicable to increase tax-exempt interest income to a taxable-equivalent basis.

Page 4

SunTrust Banks, Inc. and Subsidiaries

SELECTED FINANCIAL INFORMATION

																Six Months Ended June 30
	2nd Quarter			1st Quarter			4th Quarter			3rd Quarter			2nd Quarter
	2003			2003			2002			2002			2002			2003			2002
RESULTS OF OPERATIONS
(Dollars in thousands, except per share data)
Net interest income	$	799,513		$	822,470		$	827,101		$	805,114		$	813,388		$	1,621,983		$	1,611,494
Provision for loan losses		82,662			80,803			96,500			98,699			111,018			163,465			274,593
Net credit income		716,851			741,667			730,601			706,415			702,370			1,458,518			1,336,901
Securities gains		31,238			42,039			39,547			45,813			55,737			73,277			119,187
Other noninterest income		565,554			505,620			488,177			503,070			545,950			1,071,174			1,073,033
Net credit and noninterest income		1,313,643			1,289,326			1,258,325			1,255,298			1,304,057			2,602,969			2,529,121
Noninterest expense		837,728			818,229			836,407			776,152			793,982			1,655,957			1,606,861
Income before income taxes		475,915			471,097			421,918			479,146			510,075			947,012			922,260
Provision for income taxes		145,556			143,249			81,668			136,153			166,390			288,805			273,694
Net Income	$	330,359		$	327,848		$	340,250		$	342,993		$	343,685		$	658,207		$	648,566
Net interest income (taxable-equivalent)		810,415			833,013			837,341			815,127			823,112			1,643,428			1,630,763
Earnings per share
Diluted	$	1.17		$	1.17		$	1.20		$	1.20		$	1.20			2.34			2.26
Basic		1.19			1.18			1.21			1.21			1.22			2.37			2.29
Dividends paid per common share		0.45			0.45			0.43			0.43			0.43			0.90			0.86
Average shares outstanding (000s)
Diluted		280,287			281,330			283,595			285,991			287,288			280,806			287,331
Basic		277,397			278,631			280,364			282,310			283,293			278,011			283,672
SELECTED AVERAGE BALANCES
(Dollars in millions)
Total assets	$	119,448		$	118,276		$	114,828		$	107,846		$	106,492		$	118,865		$	105,649
Earning assets		106,606			105,249			101,895			95,562			94,741			105,931			93,974
Unrealized gains on securities available for sale		2,293			2,312			2,553			2,904			2,878			2,302			2,735
Loans		74,311			73,050			72,669			71,696			70,985			73,684			70,343
Interest-bearing liabilities		86,414			86,834			83,437			78,275			77,998			86,623			77,416
Total deposits		79,804			77,847			75,159			71,098			70,646			78,831			69,153
Shareholders' equity		8,864			8,787			8,823			8,943			8,743			8,826			8,565
SELECTED RATIOS
Net interest margin1		3.05	%		3.21	%		3.26	%		3.38	%		3.48	%		3.13	%		3.50	%
Return on average total assets2		1.11			1.12			1.18			1.26			1.29			1.12			1.24
Return on average assets less net unrealized gains on securities2		1.13			1.15			1.20			1.30			1.33			1.14			1.27
Return on average total equity2		14.95			15.13			15.30			15.22			15.77			15.04			15.27
Return on average realized equity2		17.87			18.16			18.74			19.18			19.97			18.01			19.19
CREDIT DATA
(Dollars in thousands)
Allowance for loan losses—beginning	$	931,080		$	930,114		$	929,320		$	928,932		$	927,603		$	930,114		$	867,059
Allowance from acquisitions and other activity—net		9,324			—			—			—			—			9,324			15,531
Provision for loan losses		82,662			80,803			96,500			98,699			111,018			163,465			274,593
Net charge-offs		82,177			79,837			95,706			98,311			109,689			162,014			228,251
Allowance for loan losses—ending	$	940,889		$	931,080		$	930,114		$	929,320		$	928,932		$	940,889		$	928,932
Net charge-offs to average loans		0.44	%		0.44	%		0.52	%		0.54	%		0.62	%		0.44	%		0.65	%
Period Ended
Nonaccrual loans	$	480,582		$	520,052		$	510,974		$	553,812		$	478,952
Restructured loans		2,500			—			—			—			—
Total nonperforming loans		483,082			520,052			510,974			553,812			478,952
Other real estate owned (OREO)		20,887			18,064			17,972			15,002			18,256
Other repossessed assets		11,421			10,279			13,030			25,925			21,323
Total nonperforming assets	$	515,390		$	548,395		$	541,976		$	594,739		$	518,531
Total nonperforming loans to total loans		0.64	%		0.70	%		0.70	%		0.76	%		0.67	%
Total nonperforming assets to total loans plus
OREO and other repossessed assets		0.68			0.74			0.74			0.82			0.72
Allowance to period-end loans		1.25			1.26			1.27			1.28			1.29
Allowance to nonperforming loans		194.8			179.0			182.0			167.8			194.0

¹ The net interest margin is presented on a fully taxable-equivalent (FTE) and annualized basis. The FTE basis adjusts for the tax-favored status of income from certain loans and investments. The Company believes this measure to be the preferred industry measurement of net interest income and provides relevant comparison between taxable and non-taxable amounts.

² SunTrust presents a return on average assets less net unrealized gains on securities and a return on average realized equity. These performance measures exclude the net unrealized gains on the Company's securities portfolio. Due to its ownership of 48 million shares of common stock of The Coca-Cola Company, the Company believes this is a more indicative performance measure when being compared to other companies.

Page 5

SunTrust Banks, Inc. and Subsidiaries

SELECTED FINANCIAL INFORMATION

																Six Months Ended June 30
	2nd Quarter			1st Quarter			4th Quarter			3rd Quarter			2nd Quarter
	2003			2003			2002			2002			2002			2003			2002
RECONCILEMENT OF NON-GAAP MEASURES
(Dollars in thousands)
Return on average total assets		1.11	%		1.12	%		1.18	%		1.26	%		1.29	%		1.12	%		1.24	%
Impact of excluding net unrealized securities gains		0.02			0.03			0.02			0.04			0.04			0.02			0.03
Return on average assets less net unrealized gains on securities		1.13			1.15			1.20			1.30			1.33			1.14			1.27
Return on average total shareholders' equity		14.95			15.13			15.30			15.22			15.77			15.04			15.27
Impact of excluding net unrealized securities gains		2.92			3.03			3.44			3.96			4.20			2.97			3.92
Return on average realized shareholders' equity		17.87			18.16			18.74			19.18			19.97			18.01			19.19
Net interest income	$	799,513		$	822,470		$	827,101		$	805,114		$	813,388		$	1,621,983		$	1,611,494
FTE adjustment		10,902			10,543			10,240			10,013			9,724			21,445			19,269
Net interest income—FTE	$	810,415		$	833,013		$	837,341		$	815,127		$	823,112		$	1,643,428		$	1,630,763

Page 6

SunTrust Banks, Inc. and Subsidiaries

CONSOLIDATED DAILY AVERAGE BALANCES,

AVERAGE YIELDS EARNED AND RATES PAID

(Dollars in millions; yields on taxable-equivalent basis)

	Three Months Ended										Six Months Ended
	June 30, 2003					June 30, 2002					June 30, 2003					June 30, 2002
	Average Balances			Yields/ Rates		Average Balances			Yields/ Rates		Average Balances			Yields/ Rates		Average Balances			Yields/ Rates
Assets
Loans:
Real estate 1-4 family	$	15,064.2		5.95	%	$	15,021.0		7.05	%	$	14,844.6		6.12	%	$	15,022.2		7.08	%
Real estate construction		4,057.8		4.72			3,724.0		5.54			4,002.9		4.79			3,680.9		5.62
Real estate equity		5,874.6		4.51			3,983.4		5.01			5,647.5		4.56			3,574.7		5.20
Real estate commercial		9,192.9		5.05			8,662.2		5.97			9,149.3		5.15			8,497.0		6.06
Commercial		27,810.4		3.81			27,339.1		4.43			27,824.0		3.87			27,594.4		4.44
Business credit card		126.4		6.84			94.8		7.56			123.1		7.04			90.7		7.79
Consumer—direct		3,693.7		5.16			4,643.6		6.06			3,724.3		5.26			4,570.6		6.15
Consumer—indirect		7,993.1		6.98			7,000.4		8.03			7,852.8		7.14			6,758.0		8.10
Nonaccrual and restructured		498.4		2.39			516.6		2.40			515.6		2.20			554.9		2.48
Total loans		74,311.5		4.91			70,985.1		5.72			73,684.1		5.01			70,343.4		5.76
Securities available for sale:
Taxable		20,276.8		3.00			16,538.3		5.10			20,414.8		3.27			16,242.3		5.32
Tax-exempt		381.4		6.53			413.6		6.91			385.7		6.55			419.0		6.93
Total securities available for sale		20,658.2		3.07			16,951.9		5.15			20,800.5		3.33			16,661.3		5.36
Funds sold and securities purchased under agreement to resell		1,476.2		1.17			1,454.7		1.79			1,474.6		1.21			1,316.0		1.79
Loans held for sale		8,255.4		5.25			3,454.7		6.65			8,150.7		5.38			3,767.8		6.63
Interest-bearing deposits		10.7		1.27			352.6		1.70			11.2		1.21			340.7		1.78
Trading assets		1,894.4		0.99			1,541.5		1.57			1,810.4		0.97			1,544.4		1.61
Total earning assets		106,606.4		4.46			94,740.5		5.51			105,931.5		4.59			93,973.6		5.60
Allowance for loan losses		(952.0	)				(934.0	)				(947.0	)				(915.8	)
Cash and due from banks		3,300.5					3,196.7					3,387.5					3,278.0
Premises and equipment		1,582.1					1,623.3					1,592.7					1,618.2
Other assets		6,617.6					4,987.6					6,598.3					4,959.6
Unrealized gains on securities available for sale		2,293.4					2,877.9					2,302.4					2,735.1
Total assets	$	119,448.0				$	106,492.0				$	118,865.4				$	105,648.7
Liabilities and Shareholders' Equity
Interest-bearing deposits:
NOW accounts	$	11,576.8		0.47	%	$	10,181.1		0.74	%	$	11,452.4		0.50	%	$	9,902.1		0.75	%
Money Market accounts		22,284.1		1.03			20,369.5		1.66			22,071.4		1.07			19,783.5		1.71
Savings		6,253.3		0.82			6,436.8		1.44			6,236.0		0.86			6,354.8		1.49
Consumer time		8,039.4		2.58			9,683.0		3.80			8,236.2		2.76			9,363.7		3.95
Other time		3,395.4		2.73			3,803.6		2.64			3,418.7		2.31			3,648.5		3.08
Total interest-bearing consumer and commercial deposits		51,549.0		1.23			50,474.0		1.93			51,414.7		1.27			49,052.6		2.02
Brokered deposits		3,573.5		3.40			2,394.8		4.72			3,743.1		3.44			2,520.1		5.47
Foreign deposits		7,133.7		1.23			2,785.0		1.72			6,801.4		1.23			2,785.3		1.71
Total interest-bearing deposits		62,256.2		1.36			55,653.8		2.04			61,959.2		1.40			54,358.0		2.17
Funds purchased and securities sold under agreements to repurchase		11,694.4		1.01			9,670.5		1.40			12,166.9		1.02			9,954.5		1.39
Other short-term borrowings		603.2		1.17			783.7		1.71			674.8		1.16			1,023.2		1.60
Long-term debt		11,860.1		4.46			11,889.9		5.31			11,821.7		4.65			12,080.4		5.27
Total interest-bearing liabilities		86,413.9		1.74			77,997.9		2.46			86,622.6		1.79			77,416.1		2.55
Noninterest-bearing deposits		17,548.1					14,992.2					16,871.7					14,795.3
Other liabilities		6,621.9					4,758.8					6,545.5					4,871.8
Realized shareholders' equity		7,413.7					6,901.5					7,368.7					6,816.1
Accumulated other comprehensive income		1,450.4					1,841.6					1,456.9					1,749.4
Total liabilities and shareholders' equity	$	119,448.0				$	106,492.0				$	118,865.4				$	105,648.7
Interest rate spread				2.72	%				3.05	%				2.80	%				3.05	%
Net Interest Margin				3.05	%				3.48	%				3.13	%				3.50	%

Page 7