1

Name of institution: Fifth Third Bancorp Submission date: March 30, 2011 Person to be contacted about this report: Blane Scarberry

PART I. QUANTITATIVE OVERVIEW

2010 2011

SCHEDULE A: CONSUMER LENDING (Millions $) DEC JAN FEB Key Comments

1. First Mortgage

a. Average Loan Balance (Daily Average Total Outstanding) $11,545 $11,450 $11,286 Average balance consists of 1-4 family residential mortgage loans consistent with the 

classification of the FR Y9C report. This includes loans held for sale and held for investment.

b. Total Originations $2,804 $1,649 $1,168

(1) Refinancings $2,340 $1,400 $919

(2) New Home Purchases $464 $248 $249

2. Home Equity

a. Average Total Loan Balance $11,038 $10,907 $10,844 Average balance consists of HELOC and HELOAN accounts consistent with the classification of the 

FR Y9C report. 

b. Originations (New Lines+Line Increases) $105 $68 $64

c. Total Used and Unused Commitments $18,878 $18,824 $18,752

3. US Card - Managed

a. Average Total Loan Balance - Managed $2,246 $2,259 $2,262 Average balance consists of US cards for consumer obligors only, consistent with the 

classification of the FR Y9C report. Business cards are included in C&I balances.

b. New Account Originations (Initial Line Amt) $98 $76 $107

c. Total Used and Unused Commitments $12,280 $12,466 $12,501

4. Other Consumer 

a. Average Total Loan Balance $11,147 $11,288 $11,288 Average balance consists of auto and other consumer loans and leases consistent with the 

classification of the FR Y9C report.

b. Originations $532 $469 $460

TREASURY MONTHLY INTERMEDIATION SNAPSHOT

February 2011 total originations totaled approximately $1.2 billion driven by $919 million of refinancing 

activity. 

Fifth Third extended $64 million of home equity lines of credit during the month, a decrease of $4 million 

compared to January.

Other consumer loan originations, which include new car loans, were $460 million in February. This was a 

decrease of approximately $9 million compared to January. 

February new credit card extensions were $107 million, an increase of $31 compared to January. 
2

SCHEDULE B: COMMERCIAL LENDING (Millions $) DEC JAN FEB Key Comments

1. C & I

a. Average Total Loan and Lease Balance $28,288 $29,549 $29,247 Average balance consists of non-real estate commercial loans and leases consistent with the 

classification of the FR Y9C report. This includes business cards.

b. Renewal of Existing Accounts $3,562 $1,461 $1,429 Includes renewed funded loans and renewed commitments.

c. New Commitments $3,368 $1,290 $930 Includes new commitments both funded and unfunded

2. Commercial Real Estate

a. Average Total Loan and Lease Balance $15,094 $14,452 $14,539 Average balance consists of real estate secured commercial loans consistent with the 

classification of the FR Y9C report.

b. Renewal of Existing Accounts $1,180 $287 $355 Includes renewed funded loans and renewed commitments.

c. New Commitments $218 $68 $72 Includes new commitments both funded and unfunded

4. Small Business Loans3

a. Average Total Loan Balance $4,735 $4,722 $4,690 Small business loans are those classified as small business under standards established by Fifth 

Third Bank. These loans are already presented within the C&I and CRE categories. Thus, this 

disclosure is a subset of schedule B items 1 and 2.

b. Originations $438 $258 $234

SCHEDULE D: OTHER INTERMEDIATION ACTIVITIES (Millions $)

1. MBS/ABS Net Purchased Volume

a. Mortgage Backed Securities $289 $103 $440 Consists of MBS purchases less sales for the month.

b. Asset Backed Securities $0 $0 $15 Consists of ABS purchases less sales for the month.

2. Secured Lending (Repo, PB, Margin Lending)

a. Average Total Matched Book (Repo/Reverse Repo)1 NA NA NA

b. Average Total Debit Balances2 NA NA NA

3. Underwriting

a. Total Equity Underwriting NA NA NA

b. Total Debt Underwriting $1,469 $142 $197

Notes:

3. Memoranda: these loans are already accounted for in either consumer lending, commercial lending, or a combination of both, and include loans guaranteed by the Small Business Administration and/or any other loans that are internally classified as small business loans.

2. Applicable only for institutions offering prime brokerage or other margin lending services to clients.

New CRE commitments originated in February 2011 were $72 million, compared to $68 million in January 

2011. 

Agency MBS net purchases totaled $440 million and ABS net purchases totaled $15 million.

Small Business commitments originated in February 2011 were $234 million, which was down compared to 

$258 million in January 2011. 

SCHEDULE C: MEMORANDA - SMALL BUSINESS LENDING (Millions $)

1. Not applicable if matched book activity does not exceed $50 billion. 

New C&I commitments originated in February 2011 decreased to $930 million compared to $1.29 billion in 

January 2011. 
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution: Fifth Third Bancorp

Reporting month(s): February 2011

Submission date: March 30, 2011

Person to be contacted regarding this report: Blane Scarberry

1

PART II. QUALITATIVE OVERVIEW

Please provide a brief overview of the intermediation activity during the month. This discussion should 

include a general commentary on the lending environment, loan demand, any changes in lending 

standards and terms, and any other intermediation activity.

Commercial sections:

CRE: Average CRE balances increased by approximately 0.6% in February 2011 compared to January 

2011. New CRE commitments originated in February 2011 were $72 million, compared to $68 million in 

January 2011. Renewal levels for existing accounts increased in February 2011 to $355 million

compared to $287 million in January 2011. Payments and dispositions were slightly below the volume 

of renewals and new originations in February causing the overall average balances to increase slightly. 

As commercial vacancy rates continue to increase, Fifth Third continues to monitor the CRE portfolios 

and continues to suspend lending on most new non-owner occupied properties and on new 

homebuilder and developer projects in order to manage existing portfolio positions. We feel this is 

prudent given that we do not believe added exposure in those sectors is warranted given our 

expectation for continued elevated loss trends in the performance of those portfolios.

C&I: Average C&I balances decreased by approximately 1.0% in February 2011 compared to January 

2011. New C&I commitments originated in February 2011 decreased to $930 million compared to $1.29

billion in January 2011. Renewal levels for existing accounts decreased in February 2011 to $1.43 billion

was down compared to $1.46 billion in January 2011. Lending in the Commercial segment continues to 

qualified borrowers exhibiting average risk or better. Continued emphasis is placed on prudent 

underwriting and demonstrated ability to repay as well as industry segment. Overall loan inquiries have 

begun to increase, however, we are still seeing caution in the view of the strength of the recovery in the 

economy from our C&I borrowers, which varies by geography. While some additional line utilization 

was seen in February, in general, customers continue to remain deleveraged and liquid through reduced 

inventories versus expanding operations and capacity. 

The primary market for syndicated credit and large corporate deals has seen a modest increase in late 

2010 and early 2011. Given a slow recovery outlook for the U.S. economy and uncertainty in global 

markets, many companies continue to defer plans for significant capital expenditures and inventory 

build, which in turn has reduced the need for large, new financing. Financing for merger and acquisition 

activity has continued to remain relatively slow though a modest increase has been observed recently. 

Terms and covenants continue to be somewhat tighter than historical averages, which has also served 

to constrain demand. Credit spreads have been somewhat tighter in the last several months which have 

helped the flow of new credit in both investment grade and high quality non-investment grade loans. 
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution: Fifth Third Bancorp

Reporting month(s): February 2011

Submission date: March 30, 2011

Person to be contacted regarding this report: Blane Scarberry

2

Small Business: Average Small Business balances decreased by approximately 0.7% in February 2011 

compared to January 2011. Small Business commitments originated in February 2011 were $234

million, which was down compared to $258 million in January 2011. Demand for Small Business credit 

has been in a relatively stable range with a slight bias to run off over new production. Business Banking 

loan originations continue to be made using prudent underwriting standards. 

Overall, average total commercial loan and lease balances were down 0.5% in February 2011 compared 

to January 2011. We continue to actively work out problem loans and receive principal payments from 

borrowers. C&I loans saw a modest decline in February which was partially offset by a modest increase 

in CRE balances. In the near term, lending activity appears to be in a slow growth pattern which has 

been driven by the modest pace of the economic recovery. 

Consumer section:

Consumer: February new credit card extensions were $107 million, an increase of $31 compared to

January. Other consumer loan originations, which include new car loans, were $460 million in February. 

This was a decrease of approximately $9 million compared to January. 

February 2011 overall loan volume for non-mortgage consumer credit (home equity, credit card and 

auto) was down compared to January 2011.

February 2011 mortgage lending saw total originations of $1.2 billion driven by $919 million of 

refinancing activity. New home purchases were $249 million which was an increase compared to $248 

million in January. Fifth Third extended $64 million of home equity lines of credit during the month, a 

decrease of $4 million compared to January.

During the month of February, Fifth Third continued to monitor the need for prudent adjustments to 

consumer lending standards consistent with peer institutions as reported by the Federal Reserve and as 

observed in the market. 

In February of 2011, Fifth Third’s portfolio of consumer loans and leases decreased approximately 0.6% 

compared to January 2011. 

Treasury section:

February investment portfolio activity included the re-investment of portfolio cash flows into MBS and 

ABS. For the month, Agency MBS net purchases totaled $440 million and ABS net purchases totaled $15 

million.
1

Name of institution: KeyCorp Submission date: 3/28/10 Person to be contacted about this report: Robert L. Morris

PART I. QUANTITATIVE OVERVIEW

SCHEDULE A: CONSUMER LENDING (Millions $) DEC-10 JAN-11 FEB-11 Key Comments

1. First Mortgage

a. Average Loan Balance (Daily Average Total Outstanding) $2,997 $2,995 $2,971 First Mortgage includes loans secured by 1-4 family residential properties including home equity 

loans secured by first liens.

b. Total Originations $280 $233 $179 Total Originations include both portfolio and held-for-sale loan originations. 

(1) Refinancings $237 $199 $147

(2) New Home Purchases $43 $34 $32

2. Home Equity

a. Average Total Loan Balance $8,120 $8,058 $7,999 Home Equity includes home equity lines of credit only (Home equity loans secured by first liens 

are included with First Mortgages above).

b. Originations (New Lines+Line Increases) $63 $56 $51

c. Total Used and Unused Commitments $15,750 $15,695 $15,648

3. US Card - Managed

a. Average Total Loan Balance - Managed N/A N/A N/A

b. New Account Originations (Initial Line Amt) N/A N/A N/A

c. Total Used and Unused Commitments N/A N/A N/A

4. Other Consumer 

a. Average Total Loan Balance $9,358 $9,259 $9,160 Other Consumer includes all other non-revolving consumer loans.

b. Originations $10 $11 $9

February application volume remained flat compared to January and December. 

Seasonality is still impacting application levels, as February's application volume slightly increased from 

January's level by 6%. 

February application volume was flat from January's level, with approval rates slightly higher. February typically 

ends the seasonal slow period for applications and originations.

TREASURY MONTHLY INTERMEDIATION SNAPSHOT
2

SCHEDULE B: COMMERCIAL LENDING (Millions $) DEC-10 JAN-11 FEB-11 Key

1. C & I

a. Average Total Loan and Lease Balance $22,918 $22,829 $22,819 C & I includes lease financing receivables, commercial and industrial loans, agricultural loans, 

loans to depository institutions and other nonconsumer loans.

b. Renewal of Existing Accounts $1,148 $668 $745 Renewals of existing accounts include outstanding balances and unused commitments for which 

the terms were extended or changed. A renewed commitment may or may not have an active 

draw.

c. New Commitments $1,371 $683 $588 New commitments include outstanding balances and unused commitments. Commitment 

amounts exclude standby letters of credit.

2. Commercial Real Estate

a. Average Total Loan and Lease Balance $12,114 $11,679 $11,514 Commercial Real Estate includes construction and land loans, loans secured by multi-family 

residential properties and by other nonresidential properties.

b. Renewal of Existing Accounts $201 $248 $134 Renewals of existing accounts include outstanding balances and unused commitments for which 

the terms were extended or changed. A renewed commitment may or may not have an active 

draw.

c. New Commitments $362 $92 $106 New commitments include outstanding balances and unused commitments. Commitment 

amounts exclude standby letters of credit.

4. Small Business Loans3

a. Average Total Loan Balance $2,921 $2,955 $2,959 Small Business includes loans guaranteed by the Small Business Administration ("SBA") and other 

loans internally classified as small business loans.

b. Originations $106 $65 $43

SCHEDULE D: OTHER INTERMEDIATION ACTIVITIES (Millions $)

1. MBS/ABS Net Purchased Volume

a. Mortgage Backed Securities $3 $1 -$472 February mortgage backed securities ("MBS") net purchased volume includes $0 million in 

purchases and $472 million in paydowns, calls and maturities. 

b. Asset Backed Securities $0 $0 $0

2. Secured Lending (Repo, PB, Margin Lending)

a. Average Total Matched Book (Repo/Reverse Repo)1 N/A N/A N/A

b. Average Total Debit Balances2 N/A N/A N/A

3. Underwriting

a. Total Equity Underwriting $121 $104 $27 Represents KeyCorp's equity underwriting commitments.

b. Total Debt Underwriting $122 $289 $221 Represents KeyCorp's taxable and municipal debt underwriting commitments.

Notes:

February loan approvals increased from January's level, consistent with seasonal experience. The Institutional 

Bank segment had the highest new volume activity followed by the Leasing and Middle Market segments. 

3. Memoranda: these loans are already accounted for in either consumer lending, commercial lending, or a combination of both, and include loans guaranteed by the Small Business Administration and/or any other loans that are internally classified as small business loans.

2. Applicable only for institutions offering prime brokerage or other margin lending services to clients.

February origination activity was highest in the Real Estate Capital segment (71%), with the remainder of the 

new business activity occurring broadly across the Key Community Bank. New loan originations were 

comparable to January's level, but much higher than the $24 million originated in February 2010. Renewal 

volume decreased from the January level as well as from the year-ago period. Renewed loans were strongest in 

the Real Estate Capital (57%), Middle Market (24%) and Community Development (10%) segments. 

KeyCorp was the co-manager on two equity deals, totaling $27 million in underwriting commitments, compared 

to six deals totaling $104 million in February 2010. Taxable debt underwriting consisted of fourteen deals 

totaling $151 million in underwriting commitments, of which eight deals were investment grade and six were 

high yield. Municipal debt underwriting totaled $70 million in underwriting commitments.

Not reinvesting February's cashflows supports KeyCorp's overall balance sheet liquidity management strategies.

February’s new loan approvals of $63 million decreased $2 million from the January level. However, February’s 

loan approvals increased 24% from the February 2010 level. New loan applications are strongest in the 

Northwest region. Loan renewals of $109 million are below the past 12-month average, but are at a level 

expected for the month of February.

SCHEDULE C: MEMORANDA - SMALL BUSINESS LENDING (Millions $)

1. Not applicable if matched book activity does not exceed $50 billion. 
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution: KeyCorp

Reporting month(s): February 2011

Submission date: 3/28/11

Person to be contacted regarding this report: Robert L. Morris

1

PART II. QUALITATIVE OVERVIEW

Please provide a brief overview of the intermediation activity during the month. This discussion should 

include a general commentary on the lending environment, loan demand, any changes in lending 

standards and terms, and any other intermediation activity.

Cleveland-based KeyCorp is one of the nation's largest bank-based financial services companies, with 

consolidated total assets of approximately $91.8 billion at December 31, 2010. Through KeyBank and 

certain other subsidiaries, KeyCorp provides a wide range of retail and commercial banking, commercial 

leasing, investment management, consumer finance, and investment banking products and services to 

individual, corporate and institutional clients through two major business groups, Key Community Bank

and Key Corporate Bank. Key Community Bank serves consumers and small to mid-sized businesses 

through the company's 14-state branch network, which is organized into three internally defined 

geographic regions: Rocky Mountains and Northwest, Great Lakes, and Northeast. Key Corporate Bank

includes those corporate and consumer business units that operate nationally, within and beyond 

KeyCorp's 14-state branch network, as well as internationally. 

General

KeyCorp’s overall new loan applications increased in February from January’s level. Loan application 

activity for consumer loans is improving from 2010 levels with the exception of Mortgage loan 

refinancings, which have been impacted by the higher rate environment. Commercial and Industrial (“C 

& I”) new loan approvals increased in February from January, while Small Business loan application 

volume remained relatively flat from January’s level. Commercial Real Estate (“CRE”) loan originations 

improved slightly over January’s level.

Consumer

February consumer credit activity was very similar to January’s seasonal performance. Most consumer 

credit products are showing improvement from the year-ago period in both new loan applications and 

originations. The only exception is Mortgage activity due to the higher rate environment reducing the 

number of refinance applications

C & I

C & I loan approval volume increased in February. The highest amount of loan approvals to new and 

existing clients was in the Institutional Bank segment ($539 million), followed by the Leasing and Middle 

Market segments.

Commercial Real Estate

Overall average monthly CRE balances remained steady in February, declining a modest $165 million. 

The month-over-month rate of decline is similar to what was experienced in the first quarter of 2010 but 

appears to be slowing compared to the fourth quarter 2010 trend. Loan originations are continuing to 

increase compared to loan repayments in the Real Estate Capital segment. The Commercial Banking 

segment’s (primarily Key Community Bank) real estate exposure, which includes loans to business

owners secured by real estate, has remained steady.
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution: KeyCorp

Reporting month(s): February 2011

Submission date: 3/28/11

Person to be contacted regarding this report: Robert L. Morris

2

Small Business

February’s new dollar application volume remained relatively flat compared to January’s level, but is up 

24% from the year-ago level. Loan demand has softened in the first two months of 2011 compared to 

the last half of 2010, which is partially attributable to the seasonality of application volume. The last 

two quarters of 2010 were the strongest periods of new loan approvals since the second quarter of 

2008. The Northwest region has experienced the strongest level of loan demand to date in 2011. SBA 

new loan application volume in February is at a slightly lower level than the levels experienced in the 

last half of 2010. 
1

Name of institution: Marshall & Ilsley Corporation Submission date: 03/31/11 Person to be contacted about this report: Gregory A. Smith

PART I. QUANTITATIVE OVERVIEW

2010 2011

SCHEDULE A: CONSUMER LENDING (Millions $) DEC JAN FEB Key Comments

1. First Mortgage

a. Average Loan Balance (Daily Average Total Outstanding) $6,145 $6,008 $5,857 Includes all closed end residential RE; First Mortgages and Home Equity Loans (Approximately 

80% of Home Equity Loans are held in first position). This excludes construction and vacant land 

loans which are included in the Commercial Real Estate section as average loan balances.

b. Total Originations $241 $152 $95 1-4 Family Residential Mortgage Originations - includes loans held by M&I Portfolio and loans 

originated to be sold into the secondary market. This excludes construction and vacant land loans 

which are included in the Commercial Real Estate section as new commitments.

(1) Refinancings $190 $122 $65

(2) New Home Purchases $51 $31 $31

2. Home Equity

a. Average Total Loan Balance $2,507 $2,482 $2,460 Includes Home Equity Lines only.

b. Originations (New Lines+Line Increases) $28 $22 $20

c. Total Used and Unused Commitments $4,552 $4,524 $4,510

3. US Card - Managed

a. Average Total Loan Balance - Managed $285 $283 $273 Includes Consumer Card only.

b. New Account Originations (Initial Line Amt) $6 $7 $6

c. Total Used and Unused Commitments $1,329 $1,331 $1,338

4. Other Consumer 

a. Average Total Loan Balance $1,107 $928 $927 Includes consumer PRA & LOCs. Subcategories include Auto Leases, Dealer Finance, Personal, 

Securities Loans, and Student Loans.

b. Originations $52 $42 $42 Includes Additional Notes and Refinances to existing customers and notes to new customers.

Mortgage originations decreased significantly driven by the decrease in refinance activity due to continued 

rising rates on fixed rate mortgages.

Average Total Loan Balance was down month-over-month as paydowns continue to outpace new 

production. Originations were down while Total Used and Unused Commitments were effectively flat.

Balances and new account originations were effectively flat month-over-month.

Average Total Loan Balance continued the post holiday season payoff pattern. New Account Originations 

decreased from last month, primarily reflecting the short month. Total Used and Unused Commitments 

were effectively flat month-over-month.

TREASURY MONTHLY INTERMEDIATION SNAPSHOT
2

SCHEDULE B: COMMERCIAL LENDING (Millions $) DEC JAN FEB Key Comments

1. C & I

a. Average Total Loan and Lease Balance $11,605 $11,612 $11,675 Includes A/R and Inventory, Dealer Commercial, Agricultural, IRB's and Muni, and Commercial 

Leases.

b. Renewal of Existing Accounts $281 $153 $172 Renewals include renewal of existing accounts where new money is requested, terms are 

modified, or new master line is established.

c. New Commitments $158 $117 $89 Includes New Loans to New Customers and Unused Commitments to C&I (Also includes Unused 

Commitments to: Finance Agricultural Production and Other).

2. Commercial Real Estate

a. Average Total Loan and Lease Balance $15,959 $15,542 $15,350 Includes Business Purpose 1-4 and Construction, Development, & Vacant Land (Commercial and 

Residential).

b. Renewal of Existing Accounts $92 $28 $48 Renewals include renewal of existing accounts where new money is requested, terms are 

modified, or new master line is established.

c. New Commitments $16 $11 $15 Includes New Loans to New Customers and Unused Commitments for CRE (Also includes Unused 

Commitments to: New Construction, Land Development and Other Land; Farmland; 1-4 Family 

Residential Properties; Multi-Family (5 or more) Residential Properties).

4. Small Business Loans3

a. Average Total Loan Balance $3,050 $3,010 $2,976 Includes SBA-guaranteed loans and Business Loans & Commitments < $1 million to customers 

with Revenue < $1 million. Excludes Letters of Credit.

b. Originations $17 $12 $11

SCHEDULE D: OTHER INTERMEDIATION ACTIVITIES (Millions $)

1. MBS/ABS Net Purchased Volume

a. Mortgage Backed Securities $1,340 $1 $1 Includes Mortgage Backed security purchase activities net of any security MBS sale activities, 

within the consolidated investment holdings. At Qtr-end this may also include Traded-notsettled transactions.

b. Asset Backed Securities $0 $0 $0

2. Secured Lending (Repo, PB, Margin Lending)

a. Average Total Matched Book (Repo/Reverse Repo)1 N/A N/A N/A

b. Average Total Debit Balances2 N/A N/A N/A

3. Underwriting

a. Total Equity Underwriting N/A N/A N/A

b. Total Debt Underwriting N/A N/A N/A

Notes:

Average Balances increased slightly in February. Renewals increased from January to February, reflecting 

variation in renewal cycles. Companies continue to defer capital expenditures, pay down debt, use internally 

generated cash and delay investments in infrastructure, all of which influences customer borrowing needs.

3. Memoranda: these loans are already accounted for in either consumer lending, commercial lending, or a combination of both, and include loans guaranteed by the Small Business Administration and/or any other loans that are internally classified as small business loans.

2. Applicable only for institutions offering prime brokerage or other margin lending services to clients.

Continuing with past monthly trends, Commercial Real Estate Average Balances decreased month-overmonth led by Construction and Development loans. Renewals were higher month-over-month, reflecting 

variation in renewal cycles. Commercial Real Estate Average Balances are expected to continue contracting 

due to portfolio amortization. 

Average Total Loan Balance decreased month-over-month led by Commercial Real Estate Loans. February 

Originations were lower than January also led by Commercial Real Estate Loans. Pipelines and Originations 

remain at historically low levels due to decreased demand as customers continue to address impacts from 

current economic conditions.

SCHEDULE C: MEMORANDA - SMALL BUSINESS LENDING (Millions $)

1. Not applicable if matched book activity does not exceed $50 billion. 
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution: Marshall & Ilsley Corporation

Reporting month(s): February 2011

Submission date: 03/31/2011

Person to be contacted regarding this report: Gregory A. Smith

1

PART II. QUALITATIVE OVERVIEW

Please provide a brief overview of the intermediation activity during the month. This discussion should 

include a general commentary on the lending environment, loan demand, any changes in lending 

standards and terms, and any other intermediation activity.

Marshall & Ilsley Corporation (NYSE: MI) (M&I) is a diversified financial services corporation 

headquartered in Milwaukee, Wis. M&I Marshall & Ilsley Bank is the largest Wisconsin-based bank, with

188 offices throughout the state. In addition, M&I has 53 locations throughout Arizona; 36 offices along 

Florida’s west coast and in central Florida; 33 offices in Indianapolis and nearby communities; 26 offices 

in metropolitan Minneapolis/St. Paul, and one in Duluth, Minn.; 17 offices in the greater St. Louis area; 

15 offices in Kansas City and nearby communities; and one office in Las Vegas, Nev. M&I also provides 

trust and investment management, equipment leasing, mortgage banking, asset-based lending, financial 

planning, investments, and insurance services from offices throughout the country and on the Internet 

(www.mibank.com or www.micorp.com).

On December 17, 2010, M&I entered into a definitive agreement under which BMO Financial Group will 

acquire all outstanding shares of common stock of M&I in a stock-for-stock transaction. Under the 

terms of the agreement, each outstanding share of M&I will be exchanged for 0.1257 shares of Bank of 

Montreal upon closing. The transaction is expected to close prior to July 31, 2011. The transaction is 

subject to customary closing conditions, including regulatory approvals and approval from shareholders 

of M&I.

The communities and customers M&I serves continue to face impacts from the current recessionary 

conditions of the economy. Nonetheless, M&I extended approximately $225 million of new credit to 

new and existing customers in February for a total of over $11.3 billion since the infusion of CPP capital 

in mid-November 2008 (The “new credit” amount includes new and expanded extensions of credit, or 

commitments to extend credit, as well as renewals of existing credit where a new promissory note was 

executed). Included in the figures above are small business new credit extensions of $14 million in

February and over $773 million since receipt of CPP capital. ("Small business" includes: (1) SBAguaranteed loans and (2) Commercial purpose loans where the original note amount was $1 million or 

less, outstanding commitments were $1 million or less and the customer had (recorded) revenue of $1 

million or less). Additionally, M&I has a franchise-wide foreclosure moratorium program. The 

moratorium is on all owner-occupied residential loans for customers who agree to work in good faith to 

reach a successful repayment agreement.

In Commercial and Industrial loans, we are starting to see stabilizing line utilization from existing 

customers, reflective of leveling national C&I loan volume. Customers continue to resize their revolving 

credit facilities to match their working capital needs.

In Commercial Real Estate, Construction and Development concentrations continue to decline in-line 

with our corporate goal of reducing credit exposure in this sector. Economic uncertainty has resulted in 
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution: Marshall & Ilsley Corporation

Reporting month(s): February 2011

Submission date: 03/31/2011

Person to be contacted regarding this report: Gregory A. Smith

2

increased challenges for customers across a variety of sectors including retail, office and hospitality. 

Commercial Real Estate average balances are expected to continue contracting due to portfolio 

amortization.

In Residential Real Estate, we are primarily utilizing secondary market options to effectively address the 

demand for fixed rate mortgage originations and selectively using the balance sheet for adjustable rate 

mortgages. The decrease in mortgage originations from January to February was driven by a slow down 

in refinance activity due to a continued increase in interest rates on fixed rate mortgages. The Average 

Loan Balance decline year-over-year is attributed to originations being sold in the secondary market, 

periodic sales of non-performing loans and amortization of the portfolio. 
1

Name of institution: Regions Financial Corporation Submission date: March 31, 2011 Person to be contacted about this report: David Turner, Chief Financial Officer

PART I. QUANTITATIVE OVERVIEW

SCHEDULE A: CONSUMER LENDING (Millions $) 2010

1. First Mortgage Dec Jan Feb Key Comments

a. Average Loan Balance (Daily Average Total Outstanding) $16,526 $15,998 $15,906 First and second residential 1-4 family mortgages, including residential mortgages held for sale.

b. Total Originations $879 $581 $473 Loan originations designated for the secondary market and those to be held in portfolio on 

Regions' balance sheet.

(1) Refinancings $655 $413 $287 Total originations designated as refinance status.

(2) New Home Purchases $224 $168 $186 Total originations designated as new purchase status.

2. Home Equity

a. Average Total Loan Balance $14,289 $14,169 $14,052 Average balances include Home Equity loans and HELOCs.

b. Originations (New Lines+Line Increases) $114 $63 $90 New Home Equity loans, lines and increases.

c. Total Used and Unused Commitments $23,411 $23,233 $23,104 Total portfolio of Home Equity loans and funded and unfunded HELOCs. Funded portion 

included in average balance above.

3. US Card - Managed

a. Average Total Loan Balance - Managed N/A N/A N/A N/A - Regions Financial Corp is an Agent Bank.

b. New Account Originations (Initial Line Amt) N/A N/A N/A

c. Total Used and Unused Commitments N/A N/A N/A

4. Other Consumer 

a. Average Total Loan Balance $2,836 $2,834 $2,838 Includes consumer direct, indirect, other revolving (i.e., overdraft lines) and student loans held 

for sale.

b. Originations $119 $124 $121 Includes direct and student lending origination activity.

TREASURY MONTHLY INTERMEDIATION SNAPSHOT

February Other Consumer Lending balances were flat with January at $2.8B. Balances are being favorably impacted by the reentry of Indirect Lending that generated $82MM in new production during the month offset by the continued run-off of the 

legacy Indirect Lending portfolio as well as continued student loan sales.

N/A

The mortgage division originated mortgage loans totaling $473 million in February 2011. Overall production decreased 19% 

from the prior month. New purchase originations increased 11% from prior month, and refinancing activity decreased from 

the prior month 30%. Application activity in February decreased 3% as compared to prior month. 

Home Equity average balances declined $117MM or 0.8% in February to $14.1B. The HELOAN portfolio declined $18MM, 1.2%, 

while HELOC balances declined $99MM or 0.8%. Portfolio run-off continues as payoffs/paydowns outpace production.

2011
2

SCHEDULE B: COMMERCIAL LENDING (Millions $)

1. C & I Dec Jan Feb Key Comments

a. Average Total Loan and Lease Balance $34,885 $35,225 $35,434 Average outstanding funded balances (net of deferred fees and costs) for commercial related 

loans and leases. Also includes owner-occupied commercial real estate mortgage and 

construction loans made to operating businesses.

b. Renewal of Existing Accounts $2,566 $1,619 $1,331 Renewal of existing funded and unfunded commitments for commercial and owner-occupied 

real estate related loans based upon posting date of renewal. Also includes letters of credit.

c. New Commitments $1,977 $1,167 $869 New funded and unfunded commitments for commercial and owner-occupied real estate related loans 

based upon posting date of the commitment. Also includes letters of credit and leases. Variable Rate 

Demand Note (VRDN) fundings are excluded from new commitment activity.

2. Commercial Real Estate

a. Average Total Loan and Lease Balance $16,773 $16,053 $15,793 Average outstanding funded balances (net of deferred fees and costs) for commercial investorowned real estate related loans. Also includes Commercial loans held for sale.

b. Renewal of Existing Accounts $944 $751 $566 Renewal of existing funded and unfunded commitments for commercial investor-owned real 

estate related loans based upon posting date of renewal. Also includes letters of credit.

c. New Commitments $74 $5 $65 New funded and unfunded commitments for commercial investor-owned real estate related loans based 

upon posting date of the commitment. Also includes letters of credit. Variable Rate Demand Note (VRDN) 

fundings are excluded from new commitment activity.

SCHEDULE C: MEMORANDA - SMALL BUSINESS LENDING (Millions $)

4. Small Business Loans3

a. Average Total Loan Balance $13,113 $13,092 $12,996 Average outstanding funded balances (net of deferred fees and costs) for commercial and commercial real estate related 

loans made to small business clients, which we generally define as clients with revenues up to $20 million. These balances 

are reflected as components of C&I, Commercial Real Estate and First Mortgage reported above.

b. Originations $708 $568 $561 New and renewed production of funded and unfunded commitments made to small business 

clients, which we generally define as clients with revenues up to $20 million. These originations 

are reflected as components of C&I and Commercial Real Estate reported above.

SCHEDULE D: OTHER INTERMEDIATION ACTIVITIES (Millions $)

1. MBS/ABS Net Purchased Volume

a. Mortgage Backed Securities $1,360 $1,535 $735

b. Asset Backed Securities $0 $0 $82

2. Secured Lending (Repo, PB, Margin Lending)

a. Average Total Matched Book (Repo/Reverse Repo)1 N/A N/A N/A

b. Average Total Debit Balances2 $1,254 $1,263 $1,231 Reflects average margin receivables as recorded on the general ledger.

3. Underwriting

a. Total Equity Underwriting $74 $16 $145 Total equity underwriting activity. Represents Regions' participation percentage.

b. Total Debt Underwriting $1,757 $378 $435 Debt issuances delivered monthly. Represents Regions' participation percentage.

Notes:

3. Memoranda: these loans are already accounted for in either consumer lending, commercial lending, or a combination of both, and include loans guaranteed by the Small Business Administration and/or any other loans that are internally classified as small business loans.

2. Applicable only for institutions offering prime brokerage or other margin lending services to clients.

In February, commercial real estate balances decreased $260 million from January levels. In February, new loan demand 

remained low. Developers are reluctant to begin new projects or purchase existing projects under current economic 

conditions. The focus in commercial real estate lending is on renewing and restructuring real estate loans with existing 

clients. Renewal activity includes loan restructuring, remargining and repricing, consistent with the current credit quality of 

the sponsor, the performance of the project and the current market.

The Morgan Keegan Equity department participated in 10 offerings during December 2010, 4 during January 2011, and 9 

during February 2011. Gross debt issuance for December, January, and February was $12.7 billion, $15.0 billion, and $9.9 

billion respectively.

Net purchase volume as captured in bond accounting system. Reflects settlement date. 

Consists of Government and Agency Fixed-Rate Mortgage-Backed Products. The Asset Backed securities consist of NonAgency Commercial Mortgage Backed products.

We expect small business demand to pick up modestly with improvement in capital investment as consumer spending has 

shown recent signs of improvement. We still believe business owners will remain cautious about adding jobs and expansion 

even as sales and profits pick up.

1. Not applicable if matched book activity does not exceed $50 billion. 

Loan demand in the middle market, while somewhat soft by historical standards, picked up some momentum throughout the 

fourth quarter and into 2011. The stagnant economy continues to drive more conservative leverage positions; however, more 

robust loan demand is seen in the upper end of the market and in certain industries. Outstanding loan balances increased 

$209 million in February as compared to January levels. Commercial line utilization rates increased slightly in February as 

compared to January.
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution: Regions Financial Corporation

Reporting month(s): February 2011

Submission date: March 31, 2011

Person to be contacted regarding this report: David Turner, Chief Financial Officer

1

PART II. QUALITATIVE OVERVIEW

Please provide a brief overview of the intermediation activity during the month. This discussion should 

include a general commentary on the lending environment, loan demand, any changes in lending 

standards and terms, and any other intermediation activity.

I. Company Description

Regions Financial Corporation (“Regions” or the “Company”) is a financial holding company 

headquartered in Birmingham, Alabama, which operates throughout the South, Midwest and Texas. 

Regions provides traditional commercial, retail and mortgage banking services, as well as other financial 

services in the fields of investment banking, asset management, trust, securities brokerage, insurance 

and other specialty financing. At December 31, 2010, Regions had total consolidated assets of 

approximately $132 billion. 

Regions conducts its banking operations through Regions Bank, its brokerage and investment banking 

business through Morgan Keegan & Company, Inc. (“Morgan Keegan”), and its insurance brokerage

business through Regions Insurance Group, Inc.

II. Overall Summary

In February, new and renewed commitments decreased by $0.8 billion to $3.5 billion for the month,

while average balances declined $0.3 billion from January to $84.0 billion.

The month over month decrease in new and renewed commitments was driven by a $0.3 billion 

decrease in C&I renewals, a $0.3 billion decrease in C&I new commitments, and a $0.1 billion decrease 

in Mortgage originations.

III. Consumer Lending

A. Mortgage Lending

The mortgage division originated mortgage loans totaling $473 million in February 2011. Overall 

production decreased 19% from the prior month. New purchase originations increased 11% from prior 

month, and refinancing activity decreased from the prior month 30%. Application activity in February 

decreased 3% as compared to prior month. 

Regions’ mortgage division rolled out the U.S. Treasury sponsored Home Affordable Refinance Program 

(HARP) in late March 2009, which provides borrowers who have an existing loan owned or securitized by 

Fannie Mae or Freddie Mac, the ability to refinance to more beneficial financing terms with no new or 

additional mortgage insurance required, even if their current loan-to-value ratio is higher than it was on 

the original loan. The loan-to-value ratio cannot exceed 125%. February originations included 

approximately $57.2 million related to 361 loans refinanced under the Home Affordable Refinance 

Program.
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution: Regions Financial Corporation

Reporting month(s): February 2011

Submission date: March 31, 2011

Person to be contacted regarding this report: David Turner, Chief Financial Officer

2

Regions’ has implemented the U. S. Treasury sponsored Home Affordable Modification Program (HMP) 

for FNMA/FHLMC loans serviced by Regions. This program is designed to assist mortgage borrowers who 

have an existing loan owned or securitized by Fannie Mae or Freddie Mac, and who are in imminent 

danger of default or are already in default to obtain modified financing terms prescribed by the 

program. On March 26, 2010, the U.S. Treasury announced program modifications to the existing HMP 

program. These program modifications are designed to expand flexibility for mortgage servicers and 

originators to assist more unemployed homeowners and to help more people who owe more on their 

mortgage than their home is worth because their local markets saw large declines in home values. In 

accordance with the program guidelines, Regions has distributed approximately 2,239 modification 

packages to eligible borrowers subject to a ninety-day trial period. The first modifications under this 

program were seen in July 2009. In the month of February, Regions completed 63 modifications totaling 

$9.7 million in unpaid principal. Regions currently services approximately $25.3 billion of Agency 

mortgages.

B. Home Equity Lending

Home Equity production increased 43% to $90MM from prior month and increased 27% versus same 

period prior year as a result of increased bookings from the January branch loan focus week combined 

with seasonality. Equity Lending activities for February included: daily pre-approved point of sale Equity 

offers at DDA account opening, pre-approved direct mail offer with lead lists to the branches, payment 

savings/utilization mailing to existing customers as well as continued momentum from targeting the 

lending needs of customers that do not qualify for the traditional HELOC product but are NOT 

considered subprime borrowers. 

Overall Home Equity average balances declined $117MM or 0.8% in February to $14.1B. The HELOAN 

portfolio declined $18MM, 1.2%, while HELOC balances declined $99MM or 0.8%. Portfolio run-off 

continues as payoffs/paydowns outpace production.

C. Other Consumer Lending

Direct Lending and Other Revolving production increased 2% in February to $34.2MM from prior month 

and increased 16% versus same period prior year. Direct/Other Lending activities for February included: 

daily pre-approved point of sale Auto/Unsecured LOC offers at DDA account opening; pre-approved 

direct mail offer with lead lists to the branches, and continued momentum from targeting the lending 

needs of customers that do not qualify for traditional credit products but are NOT considered subprime 

borrowers. 

Overall, February Other Consumer Lending balances were flat with January at $2.8B. Balances are being 

favorably impacted by the re-entry of Indirect Lending that generated $82MM in new production during 

the month offset by the continued run-off of the legacy Indirect Lending portfolio as well as continued 

student loan sales.
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution: Regions Financial Corporation

Reporting month(s): February 2011

Submission date: March 31, 2011

Person to be contacted regarding this report: David Turner, Chief Financial Officer

3

D. Customer Assistance Program

Regions’ continues to work to meet the unique needs of financially troubled borrowers to stem 

foreclosures and keep customers in their homes. Well before the full effects of the credit crisis were 

realized, Regions launched an extensive Customer Assistance Program (CAP) for troubled borrowers. As 

unemployment levels continue to be elevated and the housing crisis lingers our goal remains the same -

to ensure customers who encounter financial difficulty know they have options and that Regions wants 

to work with them.

As a result, Regions has taken steps including renegotiating the terms of mortgages and home equity 

loans, keeping families in their homes and allowing Regions to maintain a foreclosure rate well below 

industry average for residential first mortgages. Overall, the number of Regions serviced first mortgage 

loans in the foreclosure process is less than half the national average. (1.92% for Regions vs. 4.63% 

nationally in the fourth quarter of 2010.) Since inception of the program, Regions has restructured 

more than $3.1 billion in mortgages, including $41 million in February 2011. Regions has assisted more 

than 35,000 homeowners with solutions.

In addition, Regions introduced the U.S. Treasury sponsored Home Affordable Modification Program for 

loans serviced on behalf of Fannie Mae and Freddie Mac back in late March 2009. To date, we have 

initiated 2,239 trial period modifications for $341 million, and of those, 1,514 have been completed for 

$230 million.

IV. Commercial Lending

A. Commercial and Industrial Lending

Loan demand in the middle market, while somewhat soft by historical standards, picked up some 

momentum throughout the fourth quarter and into 2011. The stagnant economy continues to drive 

more conservative leverage positions; however, more robust loan demand is seen in the upper end of 

the market and in certain industries. Outstanding loan balances increased $209 million in February as 

compared to January levels. Commercial line utilization rates increased slightly in February as compared 

to January.

Regions defines small business, in general, as clients with revenues up to $20 million. Small business 

lending activity is reflected within our Commercial and Industrial, Commercial Real Estate and First 

Mortgage outstanding loan balances and production. 

We expect small business demand to pick up modestly with improvement in capital investment as 

consumer spending has shown recent signs of improvement. We still believe business owners will 

remain cautious about adding jobs and expansion even as sales and profits pick up. Small business line 

utilization rates remained flat in February as compared to January.
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution: Regions Financial Corporation

Reporting month(s): February 2011

Submission date: March 31, 2011

Person to be contacted regarding this report: David Turner, Chief Financial Officer

4

B. Commercial Real Estate Lending

The focus in commercial real estate lending continues to be on renewing and restructuring real estate 

loans with existing clients. Renewal activity includes loan restructuring, remargining and repricing, 

consistent with the current credit quality of the sponsor, the performance of the project and the current 

market. As homebuilders sell existing inventory, we continue to convert lot loans to residential 

construction loans, in turn, reducing our land and lot portfolio. 

In February, new loan demand remained low. Developers are reluctant to begin new projects or 

purchase existing projects under current economic conditions. The demand for financing for purchase 

of existing properties also remains limited as transaction volume remains low.

V. Treasury Activities 

Management of interest rate risk is among the most fundamental tenets in banking. Banking 

institutions utilize the Available for Sale investment portfolio as a primary tool to balance the inherent 

interest rate risk arising from core banking activities. Agency Mortgage-Backed securities provided an 

efficient means to offset asset sensitivity and maintain the desired liquidity profile, while offering a 

compelling risk adjusted return on the use of capital. Mortgage-Backed security activity in February 

totaled $735 million, which consists of Government and Agency Fixed-Rate Mortgage-Backed Products. 

Asset-Backed security activity in February totaled $82 million, which consisted of Non-Agency 

Commercial Mortgage Backed products. 

VI. Equity and Debt Activities at Morgan Keegan

Overall February generated the highest Equity deal volume for the month of February since 2004. The oil 

and gas sector led the way along with the healthcare sector next. Morgan Keegan was involved in nine 

transactions. We continue to see financial sponsors liquidating ownership of companies by coming to 

market. Overnight transactions continue to be the preferred method of raising capital for the secondary 

market. The REIT sector saw 12 transactions price with Morgan Keegan participating in three, each being 

an overnight raise. The equity backlog continues to grow with 20 IPO’s filing and 87 secondary’s filing in 

February. For the Morgan Keegan Debt department, February municipal issuance was down sharply 

over last year. We expect March issuance to be down as well. Conversely, we expect corporate 

underwriting to remain strong due to a continued favorable rate environment and tightening spreads.
1

Name of institution: SunTrust Banks, Inc. Submission date: 03/30/11 Person to be contacted about this report: Craig Smith

PART I. QUANTITATIVE OVERVIEW

2010 2011 2011

SCHEDULE A: CONSUMER LENDING (Millions $) DEC JAN FEB Key Comments

1. First Mortgage

a. Average Loan Balance (Daily Average Total Outstanding) $32,778 $32,525 $32,200 Consists of (1-4 family) residential whole loans and closed end loans secured by junior liens 

originated as part of a home purchase or refinance transactions. Includes loans retained in 

SunTrust's loan portfolio and loans currently recorded in loans held for sale.

b. Total Originations $2,841 $2,284 $1,746 Includes all loans originated or purchased by SunTrust through the Retail and Wholesale 

channels. Volumes include all activity regardless of whether the loans are retained in the loan 

portfolio, or recorded in loans held for sale and ultimately sold to a third party.

(1) Refinancings $2,149 $1,798 $1,271

(2) New Home Purchases $692 $486 $475

2. Home Equity

a. Average Total Loan Balance $16,587 $16,461 $16,192 Average balance, originations, and commitments include both Home Equity Lines and Home 

Equity Loans.

b. Originations (New Lines+Line Increases) $183 $127 $114

c. Total Used and Unused Commitments $30,409 $30,236 $30,060

3. US Card - Managed

a. Average Total Loan Balance - Managed $1,047 $1,024 $998 Purchases drawn against SunTrust consumer and commercial credit card lines of credit are 

booked in the calendar month transacted.

b. New Account Originations (Initial Line Amt) $12 $18 $20 SunTrust issues both commercial and consumer credit card lines of credit. New line 

commitments are recognized when approved and cards are issued.

c. Total Used and Unused Commitments $3,708 $3,648 $3,625 This is the line commitment total for all credit card accounts of record.

4. Other Consumer 

a. Average Total Loan Balance $15,891 $16,197 $16,255 Average balances and originations include student loans, direct installment loans (auto and nonauto), indirect installment loans (auto and marine), and unsecured personal credit lines. 

b. Originations $476 $502 $544

TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Average balances increased fractionally compared to January. Other Consumer originations increased $42 

million, or 8%, compared to January.

February originations increased to $20 million. Total line commitments and usage declined 1% from January. 

Average line utilization remained stable at 28% compared to January.

Originations decreased 24% from prior month to $1.7 billion in February 2011. February refinancings and 

originations for new purchases decreased. Average balances decreased $325 million in February.

Average balances outstanding decreased 2% in February. Originations decreased $13 million compared to 

January. The average line utilization rate decreased slightly to 54%.
2

SCHEDULE B: COMMERCIAL LENDING (Millions $) DEC JAN FEB Key Comments

1. C & I

a. Average Total Loan and Lease Balance $34,057 $34,491 $34,542 Includes average outstandings for Commercial & Industrial loans and leases extended to small 

business, commercial, middle market, and large corporate clients.

b. Renewal of Existing Accounts $1,834 $921 $1,152 Renewals represent credit facilities and stand-alone notes that matured and were renewed 

during the reporting period. Includes funded loans and unfunded commitments, but does not 

include letters of credit or derivatives.

c. New Commitments $2,840 $1,343 $1,100 Includes new facilities, stand-alone notes, and leases extended to new or existing clients. 

Reflects both funded loans and unfunded commitments. Does not include takedowns under 

existing commitments, letters of credit, or derivatives. 

2. Commercial Real Estate

a. Average Total Loan and Lease Balance $18,341 $17,898 $17,646 Includes commercial loans secured by owner occupied or non-owner occupied real estate. 

Includes loans extended for real estate financing as well as loans made for other purposes and 

collateralized by real estate.

b. Renewal of Existing Accounts $284 $177 $198 Renewals represent credit facilities and stand-alone notes that matured and were renewed 

during the reporting period. Includes funded loans and unfunded commitments, but does not 

include letters of credit or derivatives.

c. New Commitments $247 $151 $163 Includes new facilities and stand-alone notes extended to new or existing clients. Reflects both 

funded loans and unfunded commitments. Does not include takedowns under existing 

commitments, letters of credit, or derivatives. 

4. Small Business Loans3

a. Average Total Loan Balance $4,686 $4,776 $4,877 Average balances and originations include loans originated in the business banking group which 

includes loans guaranteed by the SBA. Business Banking primarily serves clients with annual 

sales of $5 million or less.

b. Originations $40 $30 $41

SCHEDULE D: OTHER INTERMEDIATION ACTIVITIES (Millions $)

1. MBS/ABS Net Purchased Volume

a. Mortgage Backed Securities $529 $913 $1,015 The numbers represent net purchase volume within the reporting period. These securities are 

reported in SunTrust's available-for-sale and trading portfolios.

b. Asset Backed Securities -$19 -$37 -$8 The numbers represent net purchase volume within the reporting period. These figures include 

securities reported in SunTrust's available-for-sale and trading portfolios.

2. Secured Lending (Repo, PB, Margin Lending)

a. Average Total Matched Book (Repo/Reverse Repo)1 n/a n/a n/a SunTrust Bank has less than $50 billion in matched book repos. SunTrust Robinson Humphrey 

“STRH”, an institutional broker dealer, is fully disclosed on the equity side through a third party 

service provider and does not hold customer accounts. 

b. Average Total Debit Balances2 n/a n/a n/a Although STRH self-clears institutional fixed income transactions, STRH does not carry customer 

accounts.

3. Underwriting

a. Total Equity Underwriting $37 $8 $7 Includes total dollars allocated to STRH in equity underwriting transactions that settled within the 

reporting period.

b. Total Debt Underwriting $1,006 $881 $414 Includes total dollars allocated to STRH in investment grade fixed income, high yield fixed income, 

and municipal debt underwriting transactions that settled within the reporting period.

Notes:

3. Memoranda: these loans are already accounted for in either consumer lending, commercial lending, or a combination of both, and include loans guaranteed by the Small Business Administration and/or any other loans that are internally classified as small business loans.

2. Applicable only for institutions offering prime brokerage or other margin lending services to clients.

Commercial real estate average balances declined $252 million in February compared to January. Loan 

demand has remained soft. There was a $33 million increase in February originations of new and renewing 

credit facilities resulting in a 10% increase compared to January.

Total debt underwriting consisted of investment-grade debt of $252 million, municipal debt of $33 million 

and high-yield debt of $129 million in February. Equity underwriting transactions for February totaled $7 

million.

Average loan balances increased $101 million compared to January. Originations were $41 million in 

February. 

SCHEDULE C: MEMORANDA - SMALL BUSINESS LENDING (Millions $)

1. Not applicable if matched book activity does not exceed $50 billion. 

Average loan balances increased $51 million compared to January. February originations of new 

commitments decreased 18% compared to January while renewing credit facilities increased 25% compared 

to January.

In February, SunTrust purchased a net $1 billion of U.S. government and agency issued mortgage-backed 

securities and transacted net sales of $8 million of asset-backed securities in the available-for-sale portfolio.
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution: SunTrust Banks, Inc.

Reporting month(s): February 2011

Submission date: 03/30/11

Person to be contacted regarding this report: Craig Smith

1

PART II. QUALITATIVE OVERVIEW

Please provide a brief overview of the intermediation activity during the month. This discussion should 

include a general commentary on the lending environment, loan demand, any changes in lending 

standards and terms, and any other intermediation activity.

SunTrust Banks, Inc., with total assets of $172.9 billion on December 31, 2010, is one of the nation’s 

largest financial holding companies. Through its banking subsidiaries, the Company provides deposit, 

credit, trust, and investment services to a broad range of retail, business, and institutional clients. Other 

subsidiaries provide mortgage banking, brokerage, investment management, equipment leasing, and 

capital market services. SunTrust operates 1,668 retail branches in Alabama, Arkansas, Florida, Georgia, 

Maryland, Mississippi, North Carolina, South Carolina, Tennessee, Virginia, West Virginia, and the 

District of Columbia. In addition, SunTrust services clients in select markets nationally. 

Average loans in February, including loans held for sale, totaled $117.8 billion, declining $0.8 billion from 

January. These totals do not include loans extended to clients and sold to third parties. This fact is 

particularly relevant when considering the mortgage portfolio, since the majority of new originations 

and refinanced mortgage loans are sold to third parties. Total new loan originations, commitments, 

and renewals extended to all borrowers in February totaled $5 billion, a decrease of 9% from January, 

driven mostly by decreased Mortgage activity.

Consumer Lending

Mortgage originations totaled $1.7 billion during February, representing a 24% decrease from January. 

Mortgage refinancings decreased in February by 29% and loans funded for new home purchases

decreased in February by 2% relative to January. Total average mortgage balances declined $325

million, or 1%, compared to January.

Home equity total used and unused commitments decreased $176 million representing a decrease of 

1% from January. Total equity loan and line originations decreased 10% to $114 million in February and

average home equity loan balances declined $269 million, or 2%, compared to January. 
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution: SunTrust Banks, Inc.

Reporting month(s): February 2011

Submission date: 03/30/11

Person to be contacted regarding this report: Craig Smith

2

Credit card balances represent a small percentage of SunTrust’s loan portfolio and drive a relatively 

immaterial percentage of SunTrust’s total annual loan originations. In February, new credit card 

originations totaled $20 million, with $14 million related to new consumer accounts and $6 million 

related to new business accounts. 

Other Consumer loans are primarily composed of student, auto, and other loans. Average Other 

Consumer loan balances increased fractionally by $58 million during February, while indirect auto, 

student, and other consumer loan originations increased $42 million, or 8%, compared to January.

Commercial Lending

Average C&I loan balances increased $51 million in February. Total Commercial Lending new 

commitments and renewals were $2.3 billion in February, a 1% decline from January. Renewals of 

existing credit facilities and stand-alone notes totaled $1.2 billion in February, an increase of 25% from 

January. Combined new credit facilities, notes and leases decreased in February by $243 million, or 

18%, compared to January, as line demand and utilization declined in conjunction with seasonal 

borrowing. 

Commercial Real Estate

Average Commercial Real Estate loans decreased $252 million, or 1%, compared to the January average. 

New residential home builder loan demand was negligible and demand for commercial development 

projects remained low as property values remained depressed and investment activity was limited. In 

February, Commercial Real Estate renewals of existing accounts increased $21 million, or 12%, and new

Commercial Real Estate commitments grew $12 million, or 8%, compared to January. 

Small Business Lending

Most small business loans are originated in the business banking group which primarily serves clients 

with annual sales of $5 million or less. In February, the average loan balance was $4.9 billion, up 2% 

from January. February originations totaled $41 million, increasing $11 million, or 37%, compared to 

January.
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution: SunTrust Banks, Inc.

Reporting month(s): February 2011

Submission date: 03/30/11

Person to be contacted regarding this report: Craig Smith

3

Other Intermediation Activities

Beyond lending to consumers and businesses, SunTrust participates in various additional intermediation 

activities. In February, SunTrust transacted $1 billion in net purchases of U. S. government and agency 

issued mortgage-backed securities and $8 million in net sales of asset-backed securities in the available 

for sale portfolio.

SunTrust participated in fifteen debt issues in February with a total notional value of $7.5 billion. 

SunTrust’s allocation of underwritten debt included $252 million in investment-grade issues, $33 million 

in municipal debt issues and $129 million in high-yield debt issues, which in the aggregate was $467

million below January totals.

In February, SunTrust participated in two equity offerings with a total notional value of $281 million, of 

which our allocation was $7 million.