Name of institution: Citigroup Submission date: December 22, 2010 Person to be c

PART I. QUANTITATIVE OVERVIEW

SCHEDULE A: CONSUMER LENDING (Millions $) SEP OCT NOV Key 1. First Mortgagea. Average Loan Balance (Daily Average Total Outstanding) $120,154 $118,678 $117,142 Consists of residential whole loans. Excludes assets classified as trading assets that are not part of

the core mortgage portfolio.

b. Total Originations $6,793 $7,242 $7,273 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 $3,066 $3,414 $3,716 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 $410 $386 $351

2. Home Equity

a. Average Total Loan Balance $54,457 $53,004 $52,309 Includes HELOC and 2nd mortgages.

b. Originations (New Lines+Line Increases) $100 $86 $88 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 1s

originations for 

to loan repurcha

Home equity loans 

modification progr

homeowners facin

Program and the H

totaling more than 

2010

1

c. Total Used and Unused Commitments $68,263 $67,476 $66,535

3. US Card ‐ Managed

a. Average Total Loan Balance ‐ Managed $122,510 $119,738 $118,786 Balances do not include commercial card activity.

b. New Account Originations (Initial Line Amt) $6,418 $5,511 $6,660

c. Total Used and Unused Commitments $706,694 $694,755 $692,803

4. Other Consumer

a. Average Total Loan Balance $62,865 $57,078 $56,412 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 $530 $435 $567

Average loan ba

Originations we

Purchase sales w

receivables were 

forbearance pro

with more than 

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

1. C & Ia. Average Total Loan and Lease Balance $17,362 $16,221 $16,750 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 $158 $1,861 $2,013

c. New Commitments $1,093 $1,006 $1,7032. Commercial Real Estate

a. Average Total Loan and Lease Balance $16,931 $15,690 $14,810 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 $173 $16 $120

c. New Commitments $408 $706 $722SCHEDULE C: MEMORANDA ‐ SMALL BUSINESS LENDING (Millions $)

4. Small Business Loans3

a. Average Total Loan Balance $8,758 $8,232 $8,030

Average Total Lo

facilities were d

Average balance

Overall change i

in loan sale activ

2

b. Originations $78 $59 $66SCHEDULE D: OTHER INTERMEDIATION ACTIVITIES (Millions $)

1. MBS/ABS Net Purchased Volume

a. Mortgage Backed Securities ‐$1,870 $573 $3,756 Does not include maturities and pay downs. Net Purchased Volume is reported using cost basis.

b. Asset Backed Securities $1,231 $147 $345

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

a. Average Total Matched Book (Repo/Reverse Repo)1 $121,935 $122,641 $120,915 Average Total Matched Book (Repo/Reverse Repo) is before FIN 41 netting. Includes security

lending activity.

b. Average Total Debit Balances2 $15,222 $16,449 $15,754

3. Underwriting

a. Total Equity Underwriting $488 $52 $120 Equity Underwriting represents Citi's portion of underwritten issue.

b. Total Debt Underwriting $22,406 $7,276 $7,361 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. 80 High Yield de

2. 301 Investment 

3. 101 Equity and L

Volume increase

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:    Citigroup

Reporting month(s):    November 2010   

Submission date:    December 22, 2010

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 October 2010, unless otherwise noted.

Consumer Lending:  Citi originated $14.6 billion in new loans to U.S. consumers and small businesses in

November, up 10 percent from the prior month.  U.S. unemployment increased to 9.8 percent, from 9.6

percent in October.

Citi’s first mortgage loan originations totaled $7.3 billion, up less than 1 percent from October.  Average

mortgage loan balances declined by more than 1 percent to $117.1 billion.  

Average home equity loan balances were $52.3 billion, a decline of more than 1 percent from October.  

Used and unused commitments totaled $66.5 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 10,300 first and second mortgage

loans totaling more than $1.5 billion in November.

In November, Citi issued new credit card lines totaling $6.7 billion, up nearly 21 percent from October.  

Purchase sales increased by 5.3 percent month‐to‐month, but declined 5.1 percent from November

2009.  Average total card balances declined by less than 1 percent to $118.8 billion.

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

More than 84,000 card members enrolled in these programs during the month, compared with 100,000

in October.  Total balances covered by Citi’s forbearance programs declined by 3 percent on a month‐to‐

month basis and 4.6 percent from the prior‐year period.  

In November, originations in other consumer lending categories increased more than 30 percent to $567

million, primarily due to seasonal factors.
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:    Citigroup

Reporting month(s):    November 2010   

Submission date:    December 22, 2010

Person to be contacted regarding this report: Peter Bieszard

2

Commercial Lending:  In November, Citi originated $12 billion in corporate loans, up more than 10

percent from October.

New Commercial & Industrial (C&I) loan commitments totaled $1.7 billion, an increase of nearly 70

percent month‐to‐month.  Loan renewals in November totaled $2 billion, an increase of more than 8

percent from October.  Average total C&I loan balances were $16.8 billion, rising more than 3 percent

from October balances.   

New Commercial Real Estate (CRE) loan commitments were $722 million, increasing more than 2

percent month‐to‐month.  Loan renewals totaled $120 million, a more than seven‐fold increase from

October.  Average total CRE loan and lease balances were $14.8 billion, declining more than 5 percent

from October.   

Other Intermediation Activities:  Citi recorded net purchases of $4.1 billion in mortgage‐ and asset‐

backed securities (MBS/ABS) in November, compared with net purchases of $720.4 million in October.  

Higher ABS and MBS volumes reflected an increase in trading opportunities.  

Citi’s total debt underwriting was $7.4 billion in November, an increase of more than 1 percent month‐

to‐month that reflected higher deal volumes.  High yield underwriting activity included 80 deals totaling

$35 billion, compared with 68 transactions with a cumulative total of $36 billion in October.  Citi lead

managed 16 high yield deals with an aggregate value of $5.1 billion.  In November, Citi also participated

in 301 investment grade transactions with an aggregate value of $68.7 billion, compared with 188 deals

totaling $56.1 billion in October.  Citi lead managed 41 of these transactions with a total value of $5.2

billion.  Citi also participated in 101 equity and linked deals with an aggregate value of $51 billion in

October, compared with 54 deals totaling $10.9 billion in October.  Citi lead managed 18 deals with a

total value of $4.2 billion.   
Name of institution: Fifth Third Bancorp Submission date: December 29, 2010 Person to be c

PART I. QUANTITATIVE OVERVIEW

SCHEDULE A: CONSUMER LENDING (Millions $) SEP OCT NOV Key 1. First Mortgagea. Average Loan Balance (Daily Average Total Outstanding) $10,723 $10,884 $11,239 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 $2,311 $2,291 $2,490(1) Refinancings $1,874 $1,884 $2,096(2) New Home Purchases $437 $406 $394

2. Home Equity

a. Average Total Loan Balance $11,286 $11,204 $11,105 Average balance consists of HELOC and HELOAN accounts consistent with the classification of the

FR Y9C report.

b. Originations (New Lines+Line Increases) $91 $106 $83

TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Total origination

Fifth Third exten

2010

1

c. Total Used and Unused Commitments $19,250 $18,969 $19,014

3. US Card ‐ Managed

a. Average Total Loan Balance ‐ Managed $2,147 $2,154 $2,162 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) $116 $119 $108

c. Total Used and Unused Commitments $12,146 $12,159 $12,326

4. Other Consumer

a. Average Total Loan Balance $10,948 $11,012 $11,065 Average balance consists of auto and other consumer loans and leases consistent with the

classification of the FR Y9C report.

b. Originations $524 $445 $483

Other consumer 

increase of appr

November new 

October.

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

1. C & Ia. Average Total Loan and Lease Balance $28,128 $28,419 $27,704 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 $2,985 $1,603 $1,781 Includes renewed funded loans and renewed commitments.

c. New Commitments $1,643 $1,464 $2,033 Includes new commitments both funded and unfunded

2. Commercial Real Estate

a. Average Total Loan and Lease Balance $16,015 $15,499 $15,329 Average balance consists of real estate secured commercial loans consistent with the classification

of the FR Y9C report.

b. Renewal of Existing Accounts $864 $254 $367 Includes renewed funded loans and renewed commitments.

c. New Commitments $173 $138 $123 Includes new commitments both funded and unfunded

4. Small Business Loans3

a. Average Total Loan Balance $4,870 $4,807 $4,747 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

2010. Renewal 

2010 at $254 miSmall Business c

million in Octob

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

New C&I commi

October 2010.

2

b. Originations $441 $319 $329SCHEDULE D: OTHER INTERMEDIATION ACTIVITIES (Millions $)

1. MBS/ABS Net Purchased Volume

a. Mortgage Backed Securities ‐$52 $299 $383 Consists of MBS purchases less sales for the month.

b. Asset Backed Securities $200 $25 $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 $1,594 $758 $321

Agency CMO ne

Notes: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.

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
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:  Fifth Third Bancorp

Reporting month(s):  November 2010   

Submission date:  December 29, 2010

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 1.1% in November 2010 compared to October

2010.  New CRE commitments originated in November 2010 were $123 million, compared to $138

million in October 2010.  Renewal levels for existing accounts increased in November 2010 to $367

million compared to October 2010 at $254 million.  Payments and dispositions outpaced the volume of

renewals and new originations in November 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 decreased by approximately 2.5% in November 2010 compared to October

2010 driven by the reduction of exposure to one large borrower.  New C&I commitments originated in

November 2010 increased to $2.03 billion compared to $1.46 billion in October 2010.  Renewal levels

for existing accounts in November 2010 of $1.78 billion were up compared to October 2010 at $1.60

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 slowly increase, however, we are continuing to

see caution from our C&I customers 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 relatively stable since last month but have been somewhat tighter in the last

several months.  The non‐investment grade rating categories saw spreads widen around the May 2010

timeframe and have stayed at relatively elevated levels, which has served to constrain demand.    
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:  Fifth Third Bancorp

Reporting month(s):  November 2010   

Submission date:  December 29, 2010

Person to be contacted regarding this report: Blane Scarberry

2

Small Business:  Average Small Business balances decreased by approximately 1.2% in November 2010

compared to October 2010.  Small Business commitments originated in November 2010 were $329

million, which was up compared to $319 million in October 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 down 2.0% in November 2010

compared to October 2010.  We continue to actively work out problem loans and receive principal

payments from borrowers.  The significant reduction of exposure to one large borrower and other

normal amortization and seasonal pay downs more than offset strong new originations in C&I driving

the overall impact on the average balances in the month of November 2010.   

Consumer section

Consumer:  November new credit card extensions were $108 million, a decrease of $11 million from

extensions in October.  Other consumer loan originations, which include new car loans, were $483

million in November.  This was an increase of approximately $38 million compared to October.  

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

auto) was up compared to October 2010 due to an increase in auto originations.

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

for the month were up and totaled approximately $2.5 billion, including $2.1 billion of refinancing

activity.  New home purchased decreased $12 million from October totaling $394 million for November.   

Fifth Third extended $83 million of home equity lines of credit during the month, a decrease of $23

million compared to October.

During the month of November, 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 November of 2010, Fifth Third’s portfolio of consumer loans and leases increased approximately 1%

compared to October 2010.   

Treasury section

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

CMO’s.  For the month, Agency CMO net purchases totaled $136 million and Agency MBS net purchases

totaled $247 million.
Name of institution: KeyCorp Submission date: 12/21/10 Person to be c

PART I. QUANTITATIVE OVERVIEW

SCHEDULE A: CONSUMER LENDING (Millions $) SEP OCT NOV Key 1. First Mortgagea. Average Loan Balance (Daily Average Total Outstanding) $2,998 $3,002 $2,993 First Mortgage includes loans secured by 1‐4 family residential properties including home equity

loans secured by first liens.

b. Total Originations $184 $202 $225 Total Originations include both portfolio and held‐for‐sale loan originations.

(1) Refinancings $127 $155 $173(2) New Home Purchases $57 $47 $52

2. Home Equity

a. Average Total Loan Balance $8,237 $8,211 $8,173 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 $68 $65

November loan a

November loan a

period.

2010

TREASURY MONTHLY INTERMEDIATION SNAPSHOT

1

c. Total Used and Unused Commitments $15,973 $15,905 $15,836

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 $9,608 $9,563 $9,461 Other Consumer includes all other non‐revolving consumer loans.

b. Originations $16 $13 $11

Loan application 

reflective of the 

ago trends with 

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

1. C & Ia. Average Total Loan and Lease Balance $23,500 $23,264 $23,099 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 $919 $1,081 $660 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 $789 $1,086 $1,096 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 $13,066 $12,567 $12,228 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 $160 $103 $179 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 $170 $58 $191 New commitments include outstanding balances and unused commitments. Commitment

amounts exclude standby letters of credit.

4. Small Business Loans3

a. Average Total Loan Balance $2,993 $2,956 $2,932 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

highest new loan 

Originations incr

which is primaril

Institutional Ban

Market segment

experienced dur

November’s new 

Increases were e

less than $1 mill

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

2

b. Originations $48 $66 $82SCHEDULE D: OTHER INTERMEDIATION ACTIVITIES (Millions $)

1. MBS/ABS Net Purchased Volume

a. Mortgage Backed Securities ‐$105 ‐$46 $1,092 November mortgage backed securities ("MBS") net purchased volume includes $1.7 billion in

purchases and $571 million in sales, 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 $136 $28 $218 Represents KeyCorp's equity underwriting commitments.

b. Total Debt Underwriting $747 $349 $853 Represents KeyCorp's taxable and municipal debt underwriting commitments.

KeyCorp was the 

to three deals to

totaling $440 mi

high yield. Mun

The November p

increased the inv

and interest rate 

$ 

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):  November 2010

Submission date:  12/21/10

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 $94.0 billion at September 30, 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, Community Bank and

Corporate Bank.  The Community Bank group 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.  The Corporate Bank

group 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 demand in November was consistent with October’s levels.  Credit demand for

Commercial and Industrial (“C & I”) lending was strongest in the Institutional Banking and Middle

Market segments.  Commercial Real Estate (“CRE”) originations reached a year‐to‐date high in

November.  Consumer credit demand is trending higher than year‐ago levels with the continued low

interest rate environment.

Consumer

Consumer credit demand remains low by historical standards, but continues to trend higher than year‐

ago levels, in part due to a continued low interest rate environment.  Seasonal factors and rising interest

rates are expected to have a negative impact on application volumes.  Overall Consumer lending

activities continue to point to a slow, volatile recovery.   

There were no material changes to KeyCorp’s underwriting standards in November.

C & I

C & I approval volume remained relatively strong in November.  November was the second highest

month during 2010 for new loan approval volume in the Institutional Bank segment and third highest in

the Middle Market segment.  The Leasing segment’s approval volume declined in November, following

strong results in September and October.

Commercial Real Estate

CRE origination volume in November reached a year‐to‐date high of $191 million primarily as a result of

the financings of several acquisitions by institutional grade operators in the healthcare segment where

overall merger and acquisition activity has recently increased.  New lending did not offset repayments as

total CRE loans outstanding declined by $339 million from the October level to $12.2 billion.  
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:  KeyCorp

Reporting month(s):  November 2010

Submission date:  12/21/10

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

2

Small Business

November‘s new loan approval volume of $94 million reflects an increase of $20 million from October’s

level of $74 million.  November’s level was the second highest since July 2008.  SBA lending remains

strong and traditional lending across KeyCorp’s footprint increased in November.  Loan applications

from Small Businesses with less than $1 million in revenue remain 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 November, KeyCorp increased the size of its

investment portfolio by $1.1 billion with the purchase of collateralized mortgage obligations issued by

government‐sponsored entities.
Name of institution: Marshall & Ilsley Corporation Submission date: 01/03/11 

PART I. QUANTITATIVE OVERVIEW

2010

SCHEDULE A: CONSUMER LENDING (Millions $) SEP OCT NOV Key 1. First Mortgagea. Average Loan Balance (Daily Average Total Outstanding) $6,379 $6,347 $6,252 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 $280 $305 $279 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 $218 $250 $227

(2) New Home Purchases $62 $55 $52

2. Home Equity

a. Average Total Loan Balance $2,587 $2,565 $2,533 Includes Home Equity Lines only.

b. Originations (New Lines+Line Increases) $25 $26 $28

TREASURY MONTHLY INTERMEDIATION SNAPSHOT

c. Total Used and Unused Commitments $4,665 $4,625 $4,589

3. US Card ‐ Managed

a. Average Total Loan Balance ‐ Managed $279 $275 $276 Includes Consumer Card only.

b. New Account Originations (Initial Line Amt) $10 $10 $10c. Total Used and Unused Commitments $1,319 $1,326 $1,331

4. Other Consumer

a. Average Total Loan Balance $1,879 $1,885 $1,882 Includes consumer PRA & LOCs. Subcategories include Auto Leases, Dealer Finance, Personal

Securities Loans, and Student Loans.

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

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

1. C & Ia. Average Total Loan and Lease Balance $12,006 $11,906 $11,781 Includes A/R and Inventory, Dealer Commercial, Agricultural, IRB's and Muni, and Commercia

Leases.

b. Renewal of Existing Accounts $239 $131 $200 Renewals include renewal of existing accounts where new money is requested, terms are

modified, or new master line is established.

c. New Commitments $70 $67 $121 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 $17,023 $16,589 $16,343 Includes Business Purpose 1‐4 and Construction, Development, & Vacant Land (Commercial a

Residential).

b. Renewal of Existing Accounts $22 $32 $78 Renewals include renewal of existing accounts where new money is requested, terms are

modified, or new master line is established.

c. New Commitments $76 $14 $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 $3,125 $3,124 $3,088 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 $16 $14 $14SCHEDULE D: OTHER INTERMEDIATION ACTIVITIES (Millions $)

1. MBS/ABS Net Purchased Volume

a. Mortgage Backed Securities $1 ‐$43 $236 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):  November 2010   

Submission date:  01/03/2011

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

192 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).  

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

conditions of the economy.  Nonetheless, M&I extended approximately $475 million of new credit to

new and existing customers in November for a total of over $10.3 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 $17 million in

November and over $715 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 stabilizing but 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

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.  Mortgage originations continue to be driven by the continued high levels of refinance
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:  Marshall & Ilsley Corporation

Reporting month(s):  November 2010   

Submission date:  01/03/2011

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

2

activity due to the continued low 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.   
Name of institution: Regions Financial Corporation Submission date: December 30, 2010 

PART I. QUANTITATIVE OVERVIEW

SCHEDULE A: CONSUMER LENDING (Millions $)

1. First Mortgage Sep Oct Nov Key 

a. Average Loan Balance (Daily Average Total Outstanding) $16,758 $16,857 $16,861 First and second residential 1‐4 family mortgages, including residential mortgages held 

b. Total Originations $911 $881 $866 Loan originations designated for the secondary market and those to be held in portfoli

Regions' balance sheet.

(1) Refinancings $656 $659 $641 Total originations designated as refinance status.

(2) New Home Purchases $255 $222 $226 Total originations designated as new purchase status.

2. Home Equity

a. Average Total Loan Balance $14,586 $14,489 $14,388 Average balances include Home Equity loans and HELOCs.b O i i ti (N Li Li I ) $117 $103 $104 N H E it l li d i

2010

TREASURY MONTHLY INTERMEDIATION SNAPSH

b. Originations (New Lines+Line Increases) $117 $103 $104 New Home Equity loans, lines and increases.

c. Total Used and Unused Commitments $23,889 $23,702 $23,563 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 $2,909 $2,836 $2,816 Includes consumer direct, indirect, other revolving (i.e., overdraft lines) and student loa

for sale.

b. Originations $62 $51 $103 Includes direct and student lending origination activity.

1
SCHEDULE B: COMMERCIAL LENDING (Millions $)

1. C & I Sep Oct Nov Key 

a. Average Total Loan and Lease Balance $33,893 $33,995 $34,328 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 $1,796 $2,032 $2,099 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 $1,103 $1,409 $1,282 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 $18,463 $17,640 $17,267 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 $1,149 $933 $863 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 $40 $71 $105 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 $13,148 $13,044 $13,019 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 $644 $581 $600 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 $264 $1,487 $539 Net purchase volume as captured in bond accounting system. Reflects settlement date

Consists of Agency Fixed‐Rate Mortgage‐Backed Products.

b. Asset Backed Securities $37 $0 $0 Net purchase volume as captured in bond accounting system. Reflects settlement date

Consists of both private label and agency commercial mortgage backed securities.

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 $1,008 $1,041 $1,107 Reflects average margin receivables as recorded on the general ledger.

3. Underwriting

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

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

b. Total Debt Underwriting $1,378 $1,212 $1,443 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):    November 2010   

Submission date:  December 30, 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 September 30, 2010, Regions had total consolidated assets of

approximately $133 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 November, new and renewed commitments were essentially unchanged, declining $0.1 billion to $5.4

billion for the month, and average balances were also down $0.1 billion from October to $85.7 billion.

The month over month decrease in new and renewed commitments was driven by a $0.1 billion

decrease in CRE renewals and in C&I new commitments, offset by a $0.1 billion increase in C&I renewals.

III. Consumer Lending

A. Mortgage Lending

The mortgage division originated mortgage loans totaling $866 million in November 2010.  Overall

production decreased 1.6% from the prior month.  New purchase originations increased 1.8% from prior

month, and refinancing activity decreased from the prior month 2.8%.  Application activity in November

decreased 12% 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%.  November originations included

approximately $114.6 million related to 722 loans refinanced under the Home Affordable Refinance

Program.

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
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution: Regions Financial Corporation

Reporting month(s):    November 2010   

Submission date:  December 30, 2010

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

2

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 2,013 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 November, Regions completed 70 modifications

totaling $11 million in unpaid principal.  Regions currently services approximately $24.2 billion of Fannie

Mae and Freddie Mac mortgages.  

B. Home Equity Lending

Home Equity production increased 1.3% in November to $104MM from prior month and increased 35%

versus same period prior year.  Equity Lending activities for November include: 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 $100.6MM or 0.7% in November to $14.4B. The

HELOAN portfolio declined $19MM, 1.2%, while HELOC balances declined $82MM or 0.6%. Portfolio

run‐off continues as payoffs/paydowns outpace production. 

C. Other Consumer Lending

Direct Lending and Other Revolving production decreased 14% in November to $35MM from prior

month but increased 5% versus same period prior year. Direct/Other Lending activities for November

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, November Other Consumer Lending balances remained flat with October at $2.8 billion

(decreased 0.7%) primarily driven by the continued run‐off in the legacy Indirect Lending portfolio and

routine student loan sales.  This run‐off has been offset by the Indirect Lending re‐entry that produced

$63MM during November.  $14MM of the $63MM was produced by normal “in‐house” channels while

the remaining $48MM was acquired through the purchase of certain loans originated by another

financial institution.   

D. Customer Assistance Program
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution: Regions Financial Corporation

Reporting month(s):    November 2010   

Submission date:  December 30, 2010

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

3

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 $2.5

billion in mortgages, including $26 million in November  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 2,013 trial period modifications for $307 million, and of those, 1,303 have been completed for

$208 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 $333 million in November as

compared to October levels.  Commercial line utilization rates increased slightly in November as

compared to October.   

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.  Loan demand in our specialized industries and in the upper end of the

commercial market has outperformed the general middle market.

  

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.   

Small businesses are experiencing lower working capital requirements resulting from lower sales

volumes and are reluctant to make capital investments given the current economic outlook.  Small

business line utilization rates decreased slightly in November as compared to October.

B.  Commercial Real Estate Lending
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution: Regions Financial Corporation

Reporting month(s):    November 2010   

Submission date:  December 30, 2010

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

4

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 November, 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 November

totaled $539 million, which consists of Government and Agency Fixed‐Rate Mortgage‐Backed Products.

VI. Equity and Debt Activities at Morgan Keegan

There were 120 Equity offerings priced during November making it the second highest month in history

as far as number of transactions. Healthcare led the transaction count with 20 deals followed by

technology with 19 offerings.  It also looks to be a very active first two weeks of December. Issuers will

be trying to capitalize on the receptive market for offerings and trying to complete capital raises prior to

the holidays. Morgan Keegan was involved in seven co‐managed offerings during November. We expect

the activity to continue during the first half of December closing out the year on a positive note.  For the

Morgan Keegan Debt department, volume in fourth quarter of 2010 was high just as anticipated.  

Volume should start to taper off in January.
Name of institution: SunTrust Banks, Inc. Submission date: 12/29/10 Pe

PART I. QUANTITATIVE OVERVIEW

SCHEDULE A: CONSUMER LENDING (Millions $) SEP OCT NOV Key 1. First Mortgagea. Average Loan Balance (Daily Average Total Outstanding) $32,656 $32,805 $32,808 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 $2,776 $2,821 $2,990 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 $2,016 $2,179 $2,379(2) New Home Purchases $760 $643 $611

2. Home Equity

a. Average Total Loan Balance $16,700 $16,623 $16,656 Average balance, originations, and commitments include both Home Equity Lines and Home Equity

Loans.

b. Originations (New Lines+Line Increases) $139 $147 $149

Av

co

2010

TREASURY MONTHLY INTERMEDIATION SNAPSHOT

O

in

Av

1

c. Total Used and Unused Commitments $31,096 $30,838 $30,590

3. US Card ‐ Managed

a. Average Total Loan Balance ‐ Managed $1,057 $1,059 $1,056 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) $16 $17 $21 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 $3,759 $3,736 $3,714 This is the line commitment total for all credit card accounts of record.

4. Other Consumer

a. Average Total Loan Balance $14,316 $14,870 $15,018 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 $652 $592 $577

Av

O

N

O

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

1. C & Ia. Average Total Loan and Lease Balance $33,759 $33,751 $33,888 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 $1,190 $1,059 $976 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 $1,492 $1,832 $1,421 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 $18,971 $18,890 $18,592 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 $174 $231 $242 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 $270 $150 $246 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 $4,909 $4,777 $4,721 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

O

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

Av

co

O

2

of $5 million or less.

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

1. MBS/ABS Net Purchased Volume

a. Mortgage Backed Securities $992 ‐$2,201 $420 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 $0 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 $21 $84 $78 Includes total dollars allocated to STRH in equity underwriting transactions that settled within the

reporting period.

b. Total Debt Underwriting $732 $604 $1,097 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 

ba

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):  November 2010   

Submission date: 12/29/10

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 $174.7 billion on September 30, 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 1,670 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 November, including loans held for sale, totaled $118 billion, increasing fractionally

from October.  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 November totaled $6.6 billion, a decrease of 3% from

October.  

Consumer Lending

Mortgage originations totaled $3.0 billion during November, representing a 6% increase from October.  

Mortgage refinancings increased in November by 9%, whereas loans funded for new home purchases

decreased in November by 5% relative to October.   The availability of low market rates drove the

increase in refinancings in November.  Total average mortgage balances were unchanged from October.

Home equity total used and unused commitments decreased $248 million representing a decrease of

1% from October.  Total equity loan and line originations increased 1% to $149 million in November,

while average home equity loan balances increased $33 million compared to October.  Growth levels

remain constrained by the decline in home values and the generally reduced demand for credit.

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 November, new credit card

originations totaled $21 million, with $16 million related to new consumer accounts and $5 million

related to new business and corporate accounts.    

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

Consumer loan balances increased $148 million, or 1%, compared to October.   November fundings for

indirect auto, student, and other consumer loans decreased 3% from October, primarily due to a decline

in indirect auto loan originations of $14 million, or 4%.  

Commercial Lending
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:  SunTrust Banks, Inc.

Reporting month(s):  November 2010   

Submission date: 12/29/10

Person to be contacted regarding this report:  Craig Smith

2

Average C&I loan balances increased fractionally by $137 million in November.  Total Commercial

Lending originations and renewals were $2.4 billion in November, a 17% decrease from October.  

Renewals of existing credit facilities and stand‐alone notes totaled $1 billion in November, a decrease of

8% from October. Combined new commitments and new funded loans decreased in November by $411

million, a 22% decrease compared to October.  The timing of C & I originations and renewals is impacted

by client needs, seasonality and current commitment expirations.

Commercial Real Estate

Average Commercial Real Estate loans decreased $298 million, or 2%, compared to the October 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

November, Commercial Real Estate renewals of existing accounts increased $11 million, or 5%, while

new Commercial Real Estate commitments increased $96 million, or 64%, compared to October.  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 November, the average loan balance was $4.7 billion, down 1%

from October.  November originations totaled $39 million, an increase of $4 million, or 11%, compared

to October.

Other Intermediation Activities

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

activities.  In November, SunTrust purchased $420 million of U. S. government and agency issued

mortgage‐backed securities for the available for sale portfolio related to repositioning the investment

portfolio.  

SunTrust participated in thirty‐six debt issues in November with a total notional value of $20.8 billion.  

SunTrust’s allocation of underwritten debt included $700 million in investment‐grade issues, $195

million in municipal debt issues and $202 million in high‐yield debt issues, which in the aggregate was

$493 million above October totals.

In November, SunTrust participated in six equity offerings with a total notional value of $1.3 billion, of

which our allocation was $78 million.