Name of institution: Citigroup Submission date: January 28, 2011 Person to be c

PART I. QUANTITATIVE OVERVIEW

SCHEDULE A: CONSUMER LENDING (Millions $) OCT NOV DEC Key 1. First Mortgagea. Average Loan Balance (Daily Average Total Outstanding) $118,678 $117,142 $116,641 Consists of residential whole loans. Excludes assets classified as trading assets that are not part of

the core mortgage portfolio.

b. Total Originations $7,242 $7,273 $7,876 Originations includes new loans whether for refinancing of an existing home or the purchase of a

home. It does not include troubled debt restructurings which usually includes a restructuring of

terms and not additional extensions of credit.

(1) Refinancings $3,414 $3,716 $3,847 If on a refinancing, amounts were added to the existing loan balance, the total amount of the new

loan is reported. Originations include both loans originated for the balance sheet as well as loans

originated for sale.

(2) New Home Purchases $386 $351 $421

2. Home Equity

a. Average Total Loan Balance $53,004 $52,309 $51,689 Includes HELOC and 2nd mortgages.

b. Originations (New Lines+Line Increases) $86 $88 $79 If a line is increased, only the amount of the increase is included in originations. If we originated a

new HELOC or 2nd, we included the amount drawn in the Ending and Average Balances, and we

included the total new line in originations.

TREASURY MONTHLY INTERMEDIATION SNAPSHOT

End of period fir

Increase in loan 

remaining fluctu

Home equity loans 

modification progr

homeowners facin

Program and the H

totaling more than 

2010

1

c. Total Used and Unused Commitments $67,476 $66,535 $65,755

3. US Card ‐ Managed

a. Average Total Loan Balance ‐ Managed $119,738 $118,786 $121,227 Balances do not include commercial card activity.

b. New Account Originations (Initial Line Amt) $5,511 $6,660 $7,874

c. Total Used and Unused Commitments $694,755 $692,803 $692,588

4. Other Consumer

a. Average Total Loan Balance $57,078 $56,412 $54,791 Includes auto, student and personal loans. Student loans includes related deferred fees and lines

of credit with schools (which are secured by student loans).

b. Originations $435 $567 $485

Average Total Lo

Purchase sales w

receivables were 

forbearance pro

with more than 

1
SCHEDULE B: COMMERCIAL LENDING (Millions $) OCT NOV DEC Key 

1. C & Ia. Average Total Loan and Lease Balance $16,221 $16,750 $16,322 Renewals and new commitments are on a facility basis. Facilities may include L/Cs. Renewals

represent credit facilities that expired/matured and were renewed during the period.

b. Renewal of Existing Accounts $1,861 $2,013 $3,440

c. New Commitments $1,006 $1,703 $2,8292. Commercial Real Estate

a. Average Total Loan and Lease Balance $15,690 $14,810 $13,205 Renewals and new commitments are on a facility basis. Facilities may include L/Cs. Renewals

represent credit facilities that expired/matured and were renewed during the period.

b. Renewal of Existing Accounts $16 $120 $73

c. New Commitments $706 $722 $535SCHEDULE C: MEMORANDA ‐ SMALL BUSINESS LENDING (Millions $)

4. Small Business Loans3

a. Average Total Loan Balance $8,232 $8,030 $7,950

Average Total Lo

as there were no 

Average balance

Overall change i

normal activity.

2

b. Originations $59 $66 $71SCHEDULE D: OTHER INTERMEDIATION ACTIVITIES (Millions $)

1. MBS/ABS Net Purchased Volume

a. Mortgage Backed Securities $573 $3,756 ‐$3,886 Does not include maturities and pay downs. Net Purchased Volume is reported using cost basis.

b. Asset Backed Securities $147 $345 $332. Secured Lending (Repo, PB, Margin Lending)

a. Average Total Matched Book (Repo/Reverse Repo)1 $122,641 $120,915 $116,209 Average Total Matched Book (Repo/Reverse Repo) is before FIN 41 netting. Includes security

lending activity.

b. Average Total Debit Balances2 $16,449 $15,754 $16,928

3. Underwriting

a. Total Equity Underwriting $52 $120 $65 Equity Underwriting represents Citi's portion of underwritten issue.

b. Total Debt Underwriting $7,276 $7,361 $5,976 Debt underwriting represents Citi's portion of underwritten issue and extensions of credit to

finance specific individual Community Development projects that are in bond form.

Industry stats inclu

1. 54 High Yield de

2. 304 Investment 

3. 106 Equity and L

Volume decreas

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 Administrationand/or other loans that are internally classified as small business loans. Citi provides other financing t

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

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

2
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:    Citigroup

Reporting month(s):    December 2010  

Submission date:    January 28, 2011

Person to be contacted regarding this report: Peter Bieszard

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.

Company description:  Citigroup Inc. (“Citi”) does business in the United States through Citibank, Citi

Institutional Clients Group, The Citi Private Bank, CitiFinancial, CitiMortgage and Citi Cards.   

All data cited below reflect comparisons to November 2010, unless otherwise noted.

Consumer Lending:  Citi originated $16.3 billion in new loans to U.S. consumers and small businesses in

December, up 12 percent from the prior month.  U.S. unemployment decreased to 9.4 percent, from 9.8

percent in November.

Citi’s first mortgage loan originations totaled $7.9 billion, up more than 8 percent from November.  

Average mortgage loan balances declined by less than 1 percent to $116.6 billion.  

Average home equity loan balances were $51.7 billion, a decline of more than 1 percent from

November.  Used and unused commitments totaled $65.8 billion, also down more than 1 percent from

the prior month.

As in previous months, Citi continued to expand participation in its loss mitigation efforts and programs

focused on helping homeowners facing financial difficulty to modify their loans.  Through initiatives like

the Citi Homeownership Assistance Program, CitiFinancial’s proprietary modification program and the

Home Affordable Mortgage Program, Citi modified approximately 9,800 first and second mortgage loans

totaling more than $1.9 billion in December.

In December, Citi issued new credit card lines totaling $7.9 billion, up more than 18 percent from

November.  Purchase sales increased by nearly 17 percent month‐to‐month, but declined more than 5

percent from December 2009.  Average total card balances increased by more than 2 percent to $121.2

billion.

Card members continued to participate in Citi’s expanded eligibility forbearance programs in December.  

More than 82,000 card members enrolled in these programs during the month, compared with 84,000

in November.  Total balances covered by Citi’s forbearance programs declined by nearly 3 percent on a

month‐to‐month basis and 9 percent from the prior‐year period.  

In December, originations in other consumer lending categories decreased more than 14 percent to

$485.2 million.
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:    Citigroup

Reporting month(s):    December 2010  

Submission date:    January 28, 2011

Person to be contacted regarding this report: Peter Bieszard

2

Commercial Lending:  In December, Citi originated $12.9 billion in corporate loans, up more than 7

percent from November.

New Commercial & Industrial (C&I) loan commitments totaled $2.8 billion, an increase of more than 66

percent month‐to‐month.  Loan renewals in December totaled $3.4 billion, an increase of more than 70

percent from November.  Average total C&I loan balances were $16.3 billion, declining more than 2

percent from November balances.   

New Commercial Real Estate (CRE) loan commitments were $534.6 million, decreasing 26 percent

month‐to‐month.  Loan renewals totaled $73 million, a decline of more than 39 percent from

November.  Average total CRE loan and lease balances were $13.2 billion, declining more than 10

percent from November.   

Other Intermediation Activities:  Citi recorded net sales of $3.9 billion in mortgage‐ and asset‐backed

securities (MBS/ABS) in December, compared with net purchases of $4.1 billion in November.  Higher

MBS sales volume reflected increased customer demand for Agency pass‐through bonds.

Citi’s total debt underwriting was $6.0 billion in December, a decrease of more than 18 percent month‐

to‐month that reflected lower average per deal and deal volumes.  High yield underwriting activity

included 54 deals totaling $25 billion, compared with 80 transactions with a cumulative total of $35

billion in November.  Citi lead managed 11 high yield deals with an aggregate value of $1.5 billion.  In

December, Citi also participated in 304 investment grade transactions with an aggregate value of $50

billion, compared with 301 deals totaling $68.7 billion in November.  Citi lead managed 53 of these

transactions with a total value of $7.1 billion.  Citi also participated in 106 equity and linked deals with

an aggregate value of $32.1 billion in November, compared with 101 deals totaling $51.0 billion in

November.  Citi lead managed 15 deals with a total value of $1.6 billion.   
Name of institution: Fifth Third Bancorp Submission date: January 28, 2011 Person to be c

PART I. QUANTITATIVE OVERVIEW

SCHEDULE A: CONSUMER LENDING (Millions $) OCT NOV DEC Key 1. First Mortgagea. Average Loan Balance (Daily Average Total Outstanding) $10,884 $11,239 $11,545 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 $2,291 $2,490 $2,804(1) Refinancings $1,884 $2,096 $2,340(2) New Home Purchases $406 $394 $464

2. Home Equity

a. Average Total Loan Balance $11,204 $11,105 $11,038 Average balance consists of HELOC and HELOAN accounts consistent with the classification of the

FR Y9C report.

b. Originations (New Lines+Line Increases) $106 $83 $105

2010

TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Total origination

refinancing activFifth Third exten

from November

1

c. Total Used and Unused Commitments $18,969 $19,014 $18,878

3. US Card ‐ Managed

a. Average Total Loan Balance ‐ Managed $2,154 $2,162 $2,246 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) $119 $108 $98

c. Total Used and Unused Commitments $12,159 $12,326 $12,280

4. Other Consumer

a. Average Total Loan Balance $11,012 $11,065 $11,147 Average balance consists of auto and other consumer loans and leases consistent with the

classification of the FR Y9C report.

b. Originations $445 $483 $532

December new c

November.Other consumer 

increase of appr

1
SCHEDULE B: COMMERCIAL LENDING (Millions $) OCT NOV DEC Key 

1. C & Ia. Average Total Loan and Lease Balance $28,419 $27,704 $28,288 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 $1,603 $1,781 $3,562 Includes renewed funded loans and renewed commitments.

c. New Commitments $1,464 $2,033 $3,368 Includes new commitments both funded and unfunded

2. Commercial Real Estate

a. Average Total Loan and Lease Balance $15,499 $15,329 $15,094 Average balance consists of real estate secured commercial loans consistent with the classification

of the FR Y9C report.

b. Renewal of Existing Accounts $254 $367 $1,180 Includes renewed funded loans and renewed commitments.

c. New Commitments $138 $123 $218 Includes new commitments both funded and unfunded

4. Small Business Loans3

a. Average Total Loan Balance $4,807 $4,747 $4,735 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.

New CRE comm

November 2010

November 2010 

Small Business c

in November 20

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

New C&I commi

November 2010

2

b. Originations $319 $329 $438SCHEDULE D: OTHER INTERMEDIATION ACTIVITIES (Millions $)

1. MBS/ABS Net Purchased Volume

a. Mortgage Backed Securities $299 $383 $289 Consists of MBS purchases less sales for the month.

b. Asset Backed Securities $25 $0 $0 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 NA3. Underwriting

a. Total Equity Underwriting NA NA NA

b. Total Debt Underwriting $758 $321 $1,469

Agency CMO ne

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.

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

2
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:  Fifth Third Bancorp

Reporting month(s):  December 2010   

Submission date:  January 28, 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 decreased by approximately 1.5% in December 2010 compared to

November 2010.  New CRE commitments originated in December 2010 were $218 million, compared to

$123 million in November 2010.  Renewal levels for existing accounts increased in December 2010 to

$1.18 billion versus November 2010 at $367 million.  Payments and dispositions outpaced the volume of

renewals and new originations in December causing the overall average balances to continue to decline.  

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 increased by approximately 2.1% in December 2010 compared to November

2010.  New C&I commitments originated in December 2010 increased to $3.37 billion compared to

$2.03 billion in November 2010.  Renewal levels for existing accounts in December 2010 of $3.56 billion

were up from November 2010 at $1.78 billion.  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.  Loan inquiries have begun

to increase, however, we are still continuing to see caution from our C&I borrowers as they attempt to

gauge the actual strength of the recovery which to this point has been influenced by geography.   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 2010.  

Given a cautionary outlook for the 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 has 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):  December 2010   

Submission date:  January 28, 2011

Person to be contacted regarding this report: Blane Scarberry

2

Small Business:  Average Small Business balances decreased by approximately 0.3% in December 2010

compared to November 2010.  Small Business commitments originated in December 2010 were $438

million, which was up from $329 million in November 2010.  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 up 0.8% in December 2010 compared to

November 2010.  We continue to actively work out problem loans and receive principal payments from

borrowers.  The growth seen in C&I loans more than offset continued reduction in our commercial real

estate portfolios driving the overall impact on the average balances in the month of December 2010.   

Consumer Section:  

Consumer:  December new credit card extensions were $98 million, a decrease of $10 million from

extensions in November.  Other consumer loan originations, which include new car loans, were $532

million in December.  This was an increase of approximately $49 million over November.   

December 2010 overall loan volume for non‐mortgage consumer credit (home equity, credit card and

auto) was up compared to November 2010 given an increase in originations.

December 2010 mortgage lending continued to be driven by attractive interest rates.  Total originations

for the month were up and totaled approximately $2.8 billion driven by $2.3 billion of refinancing

activity.  New home purchases increased $70 million from the previous month totaling $464 million for

December.   We also extended $105 million of home equity lines of credit during the month, an increase

of $22 million from November.

During the month of December, 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 December of 2010, Fifth Third’s portfolio of consumer loans and leases increased 1.1% relative to

November 2010.

Treasury Section:   

December investment portfolio activity included the re‐investment of portfolio cash flows into MBS and

CMO’s. For the month, Agency CMO net purchases totaled $123 million and Agency MBS net purchases

totaled $166 million.  
Name of institution: KeyCorp Submission date: 1/28/10 Person to be c

PART I. QUANTITATIVE OVERVIEW

SCHEDULE A: CONSUMER LENDING (Millions $) OCT NOV DEC Key 1. First Mortgagea. Average Loan Balance (Daily Average Total Outstanding) $3,002 $2,993 $2,997 First Mortgage includes loans secured by 1‐4 family residential properties including home equity

loans secured by first liens.

b. Total Originations $202 $225 $280 Total Originations include both portfolio and held‐for‐sale loan originations.

(1) Refinancings $155 $173 $237(2) New Home Purchases $47 $52 $43

2. Home Equity

a. Average Total Loan Balance $8,211 $8,173 $8,120 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) $68 $65 $63

The increase in D

October, as well 

Overall Home Eq

period.

2010

TREASURY MONTHLY INTERMEDIATION SNAPSHOT

1

c. Total Used and Unused Commitments $15,905 $15,836 $15,750

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 $9,563 $9,461 $9,358 Other Consumer includes all other non‐revolving consumer loans.

b. Originations $13 $11 $10

Loan application 

level, reflective o

than the year‐ag

1
SCHEDULE B: COMMERCIAL LENDING (Millions $) OCT NOV DEC Key

1. C & Ia. Average Total Loan and Lease Balance $23,264 $23,099 $22,918 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 $1,081 $660 $1,148 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 $1,086 $1,096 $1,371 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 $12,567 $12,228 $12,114 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 $103 $179 $201 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 $58 $191 $362 New commitments include outstanding balances and unused commitments. Commitment

amounts exclude standby letters of credit.

4. Small Business Loans3

a. Average Total Loan Balance $2,956 $2,932 $2,921 Small Business includes loans guaranteed by the Small Business Administration ("SBA") and other

loans internally classified as small business loans.

C & I new loan a

Leasing volume a

segments.Origination activ

business. Real E

institutional and 

Bank accounted 

December’s new 

December 2009 

clients with less 

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

2

b. Originations $66 $82 $106SCHEDULE D: OTHER INTERMEDIATION ACTIVITIES (Millions $)

1. MBS/ABS Net Purchased Volume

a. Mortgage Backed Securities ‐$46 $1,092 $3 December mortgage backed securities ("MBS") net purchased volume includes $651 million in

purchases and $648 million in paydowns, calls and maturities.

b. Asset Backed Securities $0 $0 $02. 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/A3. Underwriting

a. Total Equity Underwriting $28 $218 $121 Represents KeyCorp's equity underwriting commitments.

b. Total Debt Underwriting $349 $853 $122 Represents KeyCorp's taxable and municipal debt underwriting commitments.

KeyCorp was the 

compared to six 

totaling $111 mi

not rated. Muni

The December p

approximately e

support overall b

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.

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

2
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:  KeyCorp

Reporting month(s):  December 2010

Submission date:  1/28/10

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 credit originations increased in December from November’s level.  Credit demand for

Commercial and Industrial (“C & I”) lending was strongest in the Leasing segment due to the typical

year‐end volume peak.  Commercial Real Estate (“CRE”) originations reached a new year‐to‐date high for

the second consecutive month.  Consumer credit demand continues to slowly improve along with

improving application credit quality.  

Consumer

Consumer credit demand appears to be slowly rebounding from the low levels experienced in late 2009

and early 2010.  Credit quality metrics remain strong with year‐over‐year average bureau scores and

approval rates increasing.   

With the continued improvement in credit quality, KeyCorp has started to ease some credit standards

for consumer lending.

C & I

C & I new loan approval volume increased in December, led by the anticipated December year‐end peak

in Leasing volume, which reached nearly $700 million for the month.  The Middle Market and the

Institutional Bank segments also experienced strong new loan approval volumes.    

Commercial Real Estate

Overall commercial real estate originations reached a year‐to‐date high of $362 million in December.  

Originations in the Real Estate Capital segment were driven by real estate investment trusts and

healthcare operators.  KeyCorp also experienced year‐to‐date high origination volumes in owner ‐

occupied property financing, which occurred in several areas of the Middle Market and Institutional

Bank segments.
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:  KeyCorp

Reporting month(s):  December 2010

Submission date:  1/28/10

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

2

Small Business

Small Business loan approval volume of $99 million in December reflects an increase of $5 million from

November’s level of $94 million and is more than double the levels experienced in both December 2009

and 2008.  Traditional business lending and SBA lending have experienced a steady recovery throughout

2010; however, the levels remain slightly below pre‐recessionary levels.  Loan demand from clients with

less than $1 million in revenue remains weak.  

Investment Portfolio

KeyCorp continues to use the available‐for‐sale securities portfolio to support strategies for managing

overall balance sheet liquidity and interest rate risk.  In December, the size of KeyCorp’s investment

portfolio remained essentially the same, as purchases of $651 million of collateralized mortgage

obligations issued by government‐sponsored entities were offset by $648 million in maturities, calls, and

paydowns.
Name of institution: Marshall & Ilsley Corporation Submission date: 01/31/11 

PART I. QUANTITATIVE OVERVIEW

2010

SCHEDULE A: CONSUMER LENDING (Millions $) OCT NOV DEC Key 1. First Mortgagea. Average Loan Balance (Daily Average Total Outstanding) $6,347 $6,252 $6,145 Includes all closed end residential RE; First Mortgages and Home Equity Loans (Approximately 

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

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

b. Total Originations $305 $279 $241 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 lo

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

(1) Refinancings $250 $227 $190

(2) New Home Purchases $55 $52 $51

2. Home Equity

a. Average Total Loan Balance $2,565 $2,533 $2,507 Includes Home Equity Lines only.

b. Originations (New Lines+Line Increases) $26 $28 $28

TREASURY MONTHLY INTERMEDIATION SNAPSHOT

c. Total Used and Unused Commitments $4,625 $4,589 $4,552

3. US Card ‐ Managed

a. Average Total Loan Balance ‐ Managed $275 $276 $285 Includes Consumer Card only.

b. New Account Originations (Initial Line Amt) $10 $10 $6c. Total Used and Unused Commitments $1,326 $1,331 $1,329

4. Other Consumer

a. Average Total Loan Balance $1,885 $1,882 $1,107 Includes consumer PRA & LOCs. Subcategories include Auto Leases, Dealer Finance, Personal

Securities Loans, and Student Loans.

b. Originations $59 $59 $52 Includes Additional Notes and Refinances to existing customers and notes to new customers.

1
SCHEDULE B: COMMERCIAL LENDING (Millions $) OCT NOV DEC Key 

1. C & Ia. Average Total Loan and Lease Balance $11,906 $11,781 $11,605 Includes A/R and Inventory, Dealer Commercial, Agricultural, IRB's and Muni, and Commercia

Leases.

b. Renewal of Existing Accounts $131 $200 $281 Renewals include renewal of existing accounts where new money is requested, terms are

modified, or new master line is established.

c. New Commitments $67 $121 $158 Includes New Loans to New Customers and Unused Commitments to C&I (Also includes Unus

Commitments to: Finance Agricultural Production and Other).

2. Commercial Real Estate

a. Average Total Loan and Lease Balance $16,589 $16,343 $15,959 Includes Business Purpose 1‐4 and Construction, Development, & Vacant Land (Commercial a

Residential).

b. Renewal of Existing Accounts $32 $78 $92 Renewals include renewal of existing accounts where new money is requested, terms are

modified, or new master line is established.

c. New Commitments $14 $16 $16 Includes New Loans to New Customers and Unused Commitments for CRE (Also includes Unu

Commitments to: New Construction, Land Development and Other Land; Farmland; 1‐4 Fami

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

4. Small Business Loans3

a. Average Total Loan Balance $3,124 $3,088 $3,050 Includes SBA‐guaranteed loans and Business Loans & Commitments < $1 million to customers 

Revenue < $1 million. Excludes Letters of Credit.

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

b. Originations $14 $14 $17SCHEDULE D: OTHER INTERMEDIATION ACTIVITIES (Millions $)

1. MBS/ABS Net Purchased Volume

a. Mortgage Backed Securities ‐$43 $236 $1,340 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‐not‐se

transactions.

b. Asset Backed Securities $0 $0 $02. 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/A3. Underwriting

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

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

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 loa

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

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

2
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:  Marshall & Ilsley Corporation

Reporting month(s):  December 2010   

Submission date:  01/31/2011

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

190 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 $550 million of new credit to

new and existing customers in December for a total of over $10.8 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 $21 million in

December and over $739 million since receipt of CPP capital.  ("Small business" includes: (1) SBA‐

guaranteed 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 continued with a franchise‐wide foreclosure abatement program

designed to keep families in their homes, including a foreclosure moratorium on certain owner‐occupied

residential loans through March 31, 2011.

  

In Commercial and Industrial loans, we continue to see low line utilization from existing customers,

consistent with the slower economy.  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):  December 2010   

Submission date:  01/31/2011

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 November to December was primarily driven by

the slow down in refinance activity as the interest rates on fixed rate mortgages increased.  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.   

In the Other Consumer category, Average Total Loan Balances decreased month‐over‐month due to a

$934 million loan sale on December 10, 2010.  This loan sale was on performing auto loans originated by

our Dealer Finance group.
Name of institution: Regions Financial Corporation Submission date: January 31, 2011 

PART I. QUANTITATIVE OVERVIEW

SCHEDULE A: CONSUMER LENDING (Millions $)

1. First Mortgage Oct Nov Dec Key 

a. Average Loan Balance (Daily Average Total Outstanding) $16,857 $16,861 $16,526 First and second residential 1‐4 family mortgages, including residential mortgages held 

b. Total Originations $881 $866 $879 Loan originations designated for the secondary market and those to be held in portfoli

Regions' balance sheet.

(1) Refinancings $659 $641 $655 Total originations designated as refinance status.

(2) New Home Purchases $222 $226 $224 Total originations designated as new purchase status.

2. Home Equity

a. Average Total Loan Balance $14,489 $14,388 $14,289 Average balances include Home Equity loans and HELOCs.b O i i ti (N Li Li I ) $103 $104 $114 N H E it l li d i

2010

TREASURY MONTHLY INTERMEDIATION SNAPSH

b. Originations (New Lines+Line Increases) $103 $104 $114 New Home Equity loans, lines and increases.

c. Total Used and Unused Commitments $23,702 $23,563 $23,411 Total portfolio of Home Equity loans and funded and unfunded HELOCs. Funded portio

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

4. Other Consumer

a. Average Total Loan Balance $2,836 $2,816 $2,836 Includes consumer direct, indirect, other revolving (i.e., overdraft lines) and student loa

for sale.

b. Originations $51 $103 $119 Includes direct and student lending origination activity.

1
SCHEDULE B: COMMERCIAL LENDING (Millions $)

1. C & I Oct Nov Dec Key 

a. Average Total Loan and Lease Balance $33,995 $34,328 $34,885 Average outstanding funded balances (net of deferred fees and costs) for commercial r

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

construction loans made to operating businesses.

b. Renewal of Existing Accounts $2,032 $2,099 $2,566 Renewal of existing funded and unfunded commitments for commercial and owner‐occ

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

c. New Commitments $1,409 $1,282 $1,977 New funded and unfunded commitments for commercial and owner‐occupied real estate related 

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

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

2. Commercial Real Estatea. Average Total Loan and Lease Balance $17,640 $17,267 $16,773 Average outstanding funded balances (net of deferred fees and costs) for commercial i

owned real estate related loans. Also includes Commercial loans held for sale.

b. Renewal of Existing Accounts $933 $863 $944 Renewal of existing funded and unfunded commitments for commercial investor‐owne

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

c. New Commitments $71 $105 $74 New funded and unfunded commitments for commercial investor‐owned real estate related loans 

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

fundings are excluded from new commitment activity.

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

4. Small Business Loans3

a. Average Total Loan Balance $13,044 $13,019 $13,113 Average outstanding funded balances (net of deferred fees and costs) for commercial and commercial real esta

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

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

b. Originations $581 $600 $708 New and renewed production of funded and unfunded commitments made to small bu

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

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 $1,487 $539 $1,360b. 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 $1,041 $1,107 $1,254 Reflects average margin receivables as recorded on the general ledger.

3. Underwriting

Ttl E it U d iti $39 $45 $74 Ttl it d iti ti it R t Ri ' ti i ti t 

a. Total Equity Underwriting $39 $45 $74 Total equity underwriting activity. Represents Regions' participation percentage.

b. Total Debt Underwriting $1,212 $1,443 $1,757 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 

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

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

2
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution: Regions Financial Corporation

Reporting month(s):    December 2010    

Submission date:  January 31, 2010

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 December, new and renewed commitments increased by $1.3 billion to $6.7 billion for the month,

while average balances declined $0.4 billion from November to $85.3 billion.

The month over month increase in new and renewed commitments was driven by a $0.7 billion increase

in C&I new commitments and a $0.5 billion increase in C&I renewals.

III. Consumer Lending

A. Mortgage Lending

The mortgage division originated mortgage loans totaling $879 million in December 2010.  Overall

production increased 1.5% from the prior month.  New purchase originations decreased 0.6% from prior

month, and refinancing activity increased from the prior month 2.2%.  Application activity in December

decreased 45% 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%.  December originations included

approximately $108.4 million related to 686 loans refinanced under the Home Affordable Refinance

Program.
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution: Regions Financial Corporation

Reporting month(s):    December 2010    

Submission date:  January 31, 2010

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 2,095 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 December, Regions completed 90 modifications

totaling $12.3 million in unpaid principal.  Regions currently services approximately $21.9 billion of

Fannie Mae and Freddie Mac mortgages.  

B. Home Equity Lending

Home Equity production increased 9.7% in December to $114MM from prior month and increased 22%

versus same period prior year.  Equity Lending activities for December include: launched HELOC product

within the Consumer Finance product suite that targets the lending needs of customers that do not

qualify for the traditional HELOC product but are not considered subprime borrowers. Continued daily

pre‐approved point of sale Equity offers at DDA account opening; pre‐approved direct mail offer with

lead lists to the branches;  activation mailing; and HELOAN skip‐a‐pay program.

Overall Home Equity average balances declined $99MM or 0.7% in December to $14.3B. The HELOAN

portfolio declined $20MM, 1.3%, while HELOC balances declined $79MM or 0.6%. Portfolio run‐off

continues as payoffs/paydowns outpace production. 

C. Other Consumer Lending

Direct Lending and Other Revolving production increased 11% in December to $39MM from prior month

and increased 15% versus same period prior year. Direct/Other Lending activities for December include:

continued pre‐approved point of sale Auto/Unsecured LOC offers at DDA account opening; pre‐

approved direct mail offer with lead lists to the branches; Direct installment skip‐a‐pay program ; 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, December Other Consumer Lending balances increased when compared to November by $20

million (or 0.7%) primarily driven by the re‐entry of Indirect Lending that generated $75MM in new

production during the month (versus $63MM in the prior 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):    December 2010    

Submission date:  January 31, 2010

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 first mortgage loans in

the foreclosure process is less than half the national average. (2.10% for Regions vs. 4.39% nationally in

the third quarter of 2010.)  Since inception of the program, Regions has restructured more than $2.6

billion in mortgages, including $26 million in December 2010. Regions has assisted more than 33,000

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 2,095 trial period modifications for $319 million, and of those, 1,393 have been completed for

$211 million.

IV. Commercial Lending

A.  Commercial and Industrial Lending

Loan demand remained soft in the middle market as 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 $557 million in December as

compared to November levels.  Commercial line utilization rates decreased slightly in December as

compared to November.

In the middle market, lower sales volumes have resulted in lower inventory and accounts receivable

financing requirements.  Businesses are less likely to invest in or expand their operations given the

current economic outlook.  

  

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
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution: Regions Financial Corporation

Reporting month(s):    December 2010    

Submission date:  January 31, 2010

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

4

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

utilization rates remained flat in December as compared to November.  

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 December, 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 December

totaled $1,360 million, which consists of Government and Agency Fixed‐Rate Mortgage‐Backed

Products.

VI. Equity and Debt Activities at Morgan Keegan

December 2010 saw a near record month of Equity issuance with 112 transactions pricing. Thirty three

billion was raised with the largest being HCP Inc.  Of the 112 offerings in December, 22 were IPO’s.  The

finance sector led the way with technology coming in second.  We look forward to 2011 with optimism,

seeing a healthy backlog and a positive market environment. We also think the growth in our research

department as well as our investment banking division will garner more activity for Morgan Keegan.  The

Morgan Keegan Debt department saw strong December volume as was consistent with past years.  

Municipal issuance in the first quarter of 2011 is expected to slow considerably.  However, expect

corporate underwriting to remain strong due to a continued favorable rate environment and tightening

spreads.
Name of institution: SunTrust Banks, Inc. Submission date: 01/28/11 Pe

PART I. QUANTITATIVE OVERVIEW

SCHEDULE A: CONSUMER LENDING (Millions $) OCT NOV DEC Key 1. First Mortgagea. Average Loan Balance (Daily Average Total Outstanding) $32,805 $32,808 $32,778 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 $2,822 $2,990 $2,841 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 $2,179 $2,379 $2,149(2) New Home Purchases $643 $611 $692

2. Home Equity

a. Average Total Loan Balance $16,623 $16,656 $16,587 Average balance, originations, and commitments include both Home Equity Lines and Home Equity

Loans.

b. Originations (New Lines+Line Increases) $147 $149 $183

TREASURY MONTHLY INTERMEDIATION SNAPSHOT

O

de

DeAv

co

2010

1

c. Total Used and Unused Commitments $30,838 $30,590 $30,409

3. US Card ‐ Managed

a. Average Total Loan Balance ‐ Managed $1,059 $1,056 $1,047 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) $17 $21 $12 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 $3,736 $3,714 $3,708 This is the line commitment total for all credit card accounts of record.

4. Other Consumer

a. Average Total Loan Balance $14,870 $15,018 $15,891 Average balances and originations include student loans, direct installment loans (auto and non‐

auto), indirect installment loans (auto and marine), and unsecured personal credit lines.

b. Originations $592 $577 $476

Av

th

NDe

un

1
SCHEDULE B: COMMERCIAL LENDING (Millions $) OCT NOV DEC Key 

1. C & Ia. Average Total Loan and Lease Balance $33,751 $33,888 $34,057 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 $1,059 $976 $1,834 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 $1,832 $1,421 $2,840 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 $18,890 $18,592 $18,341 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 $231 $242 $284 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 $150 $246 $247 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 $4,777 $4,721 $4,686 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.

Co

de

cr

Th

N

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

Av

co

to 

2

of $5 million or less.

b. Originations $35 $39 $40SCHEDULE D: OTHER INTERMEDIATION ACTIVITIES (Millions $)

1. MBS/ABS Net Purchased Volume

a. Mortgage Backed Securities ‐$2,201 $420 $529 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 $0 $0 ‐$19 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 $84 $78 $37 Includes total dollars allocated to STRH in equity underwriting transactions that settled within the

reporting period.

b. Total Debt Underwriting $604 $1,097 $1,006 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.

To

an

mIn 

se

tr

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.

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

2
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:  SunTrust Banks, Inc.

Reporting month(s):  December 2010   

Submission date: 01/28/11

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 December, including loans held for sale, totaled $118.7 billion, increasing $0.7 billion,

or 1%, from November.  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 December totaled $8.7 billion, an increase of

32% from November, driven mostly by increased Commercial activity.

Consumer Lending

Mortgage originations totaled $2.8 billion during December, representing a 5% decrease from

November.  Mortgage refinancings decreased in December by 10%, whereas loans funded for new home

purchases increased in December by 13% relative to November.   Total average mortgage balances were

essentially unchanged from November.

Home equity total used and unused commitments decreased $181 million representing a decrease of

1% from November.  Total equity loan and line originations increased 23% to $183 million in December

demonstrating a moderate increase in demand for credit, while average home equity loan balances

decreased $69 million compared to November as evidence that clients continue to be cautious in

managing or extending their debt due to the instability of home valuations.

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 December, new credit card

originations totaled $12 million, with $10 million related to new consumer accounts and $2 million

related to new business accounts.   

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

Consumer loan balances increased $873 million, or 6%, compared to November due to the purchase of

approximately $900 million in auto loans in December.  Indirect auto, student, and other consumer loan

originations in December decreased 18% compared to November.

Commercial Lending
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:  SunTrust Banks, Inc.

Reporting month(s):  December 2010   

Submission date: 01/28/11

Person to be contacted regarding this report:  Craig Smith

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Average C&I loan balances increased fractionally by $169 million in December.  Total Commercial

Lending originations and renewals were $4.7 billion in December, a 95% increase from November.  

Renewals of existing credit facilities and stand‐alone notes totaled $1.8 billion in December, an increase

of 88% from November, driven largely by quarterly and annual maturities of line commitments.  

Combined new commitments and new funded loans increased in December by $1.4 billion, a 100%

increase compared to November, as line demand and utilization increased in conjunction with seasonal

borrowing.   

Commercial Real Estate

Average Commercial Real Estate loans decreased $251 million, or 1%, compared to the November

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 December, Commercial Real Estate renewals of existing accounts increased $42 million, or

17%, while new Commercial Real Estate commitments were essentially unchanged from November.  The

majority of originations were associated with large commercial or corporate businesses.   

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 December, the average loan balance was $4.7 billion, down 1%

from November.  December originations increased fractionally from November to $40 million.

Other Intermediation Activities

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

activities.  In December, SunTrust had $529 million in net purchases of U. S. government and agency

issued mortgage‐backed securities and $19 million in net sales of asset backed securities in the available

for sale and trading portfolios.  

SunTrust participated in twenty‐nine debt issues in December with a total notional value of $8.5 billion.  

SunTrust’s allocation of underwritten debt included $349 million in investment‐grade issues, $545

million in municipal debt issues and $112 million in high‐yield debt issues, which in the aggregate was

$91 million below November totals.

In December, SunTrust participated in three equity offerings with a total notional value of $2.1 billion, of

which our allocation was $37 million.