Name of institution: Citigroup Submission date: October 29, 2010 Person to be c

PART I. QUANTITATIVE OVERVIEW

SCHEDULE A: CONSUMER LENDING (Millions $) JUL AUG SEP Key 1. First Mortgagea. Average Loan Balance (Daily Average Total Outstanding) $120,909 $120,267 $120,154 Consists of residential whole loans. Excludes assets classified as trading assets that are not part of

the core mortgage portfolio.

b. Total Originations $4,775 $6,455 $6,793 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 $2,298 $2,820 $3,066 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 $571 $567 $410

2. Home Equity

a. Average Total Loan Balance $55,856 $55,173 $54,457 Includes HELOC and 2nd mortgages.

b. Originations (New Lines+Line Increases) $97 $374 $100 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.

End of period 1s

loan origination

due to normal ru

Home equity loans 

modification progr

homeowners facin

Program and the H

totaling more than 

2010

TREASURY MONTHLY INTERMEDIATION SNAPSHOT

1

c. Total Used and Unused Commitments $70,730 $69,884 $68,263

3. US Card ‐ Managed

a. Average Total Loan Balance ‐ Managed $124,523 $123,835 $122,510 Balances do not include commercial card activity.

b. New Account Originations (Initial Line Amt) $5,953 $6,264 $6,418

c. Total Used and Unused Commitments $716,280 $710,851 $706,694

4. Other Consumer

a. Average Total Loan Balance $67,180 $66,413 $62,865 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 $582 $648 $530

Average loan ba

business, includ

3Q10.Purchase sales w

receivables were 

forbearance pro

with more than 

1
SCHEDULE B: COMMERCIAL LENDING (Millions $) JUL AUG SEP Key 

1. C & Ia. Average Total Loan and Lease Balance $17,756 $17,470 $17,362 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 $788 $1,009 $158

c. New Commitments $2,153 $2,240 $1,0932. Commercial Real Estate

a. Average Total Loan and Lease Balance $21,910 $18,938 $16,931 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 $60 $72 $173

c. New Commitments $475 $540 $408SCHEDULE C: MEMORANDA ‐ SMALL BUSINESS LENDING (Millions $)

4. Small Business Loans3

a. Average Total Loan Balance $9,068 $8,945 $8,758

Average Total Lo

Renewal of exist

Average balance

Overall change i

2

b. Originations $78 $69 $78SCHEDULE D: OTHER INTERMEDIATION ACTIVITIES (Millions $)

1. MBS/ABS Net Purchased Volume

a. Mortgage Backed Securities $868 ‐$2,323 ‐$1,870 Does not include maturities and pay downs. Net Purchased Volume is reported using cost basis.

b. Asset Backed Securities $563 ‐$129 $1,231

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

a. Average Total Matched Book (Repo/Reverse Repo)1 $124,368 $114,942 $121,935 Average Total Matched Book (Repo/Reverse Repo) is before FIN 41 netting. Includes security

lending activity.

b. Average Total Debit Balances2 $14,312 $14,492 $15,222

3. Underwriting

a. Total Equity Underwriting $29 $28 $488 Equity Underwriting represents Citi's portion of underwritten issue.

b. Total Debt Underwriting $9,294 $12,907 $22,406 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. 65 High Yield de

2. 329 Investment 

3. 58 Equity and Lin

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):    September 2010   

Submission date:    October 29, 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 August 2010, unless otherwise noted.

Consumer Lending:  Citi originated $13.8 billion in new loans to U.S. consumers and small businesses in

September, roughly flat compared with the prior month.  U.S. unemployment of 9.6 percent was

unchanged from August.

Citi’s first mortgage loan originations totaled $6.8 billion, up more than 5 percent from August.  Average

mortgage loan balances of $120.2 billion were flat month‐to‐month.  

Average home equity loan balances were $54.5 billion, a decline of more than 1 percent from August.  

Used and unused commitments totaled $68.3 billion, down more than 2 percent from the prior month.

As in previous months, Citi continues 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 10,000 first and second mortgage

loans totaling more than $1.9 billion in September.

In September, Citi issued new credit card lines totaling $6.4 billion, up more than 2 percent from August.  

Purchase sales were down 7 percent month‐to‐month and more than 13 percent from September 2009.  

Average total card balances declined just over 1 percent to $122.5 billion.

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

September.  More than 122,000 card members enrolled in these programs during the month, compared

with 133,000 in August.  Total balances covered by Citi’s forbearance programs were flat on a month‐to‐

month basis, and were up more than 6 percent from the prior‐year period.  

Originations in other consumer lending categories decreased more than 18 percent to $530 million,

primarily due to a decrease in the Company’s auto loan business.
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:    Citigroup

Reporting month(s):    September 2010   

Submission date:    October 29, 2010

Person to be contacted regarding this report: Peter Bieszard

2

Commercial Lending:  In September, Citi originated $24.7 billion in corporate loans, up more than 47

percent from August.

New Commercial & Industrial (C&I) loan commitments totaled $1.1 billion, a decrease of 51 percent

month‐to‐month.  Loan renewals in September totaled $158 million, down more than 84 percent from

August.  Average total C&I loan balances were $17.4 billion, declining less than one percent from August

balances.   

New Commercial Real Estate (CRE) loan commitments were $407.7 million, a decrease of more than 24

percent from August.  Loan renewals totaled $172.6 million, up 140 percent month‐to‐month.  Average

total CRE loan and lease balances of $16.9 billion were down nearly 11 percent from August.   

Other Intermediation Activities:  Citi recorded net sales of $639 million in mortgage‐ and asset‐backed

securities (MBS/ABS) in September, compared with net sales of $2.5 billion in August.  Although net

balances were down, volumes increased due to an increase in profitable trading opportunities.  

Citi’s total debt underwriting was $22.4 billion in September, an increase of more than 73 percent

month‐to‐month that reflects higher average per deal and deal volume.  High yield underwriting activity

included 65 deals totaling $32.5 billion, compared with 50 transactions with a cumulative total of $23.8

billion in August.  Citi lead managed 14 high yield deals with an aggregate value of $2.6 billion.  In

September, Citi also participated in 329 investment grade transactions with an aggregate value of

$115.7 billion, compared with 255 deals totaling $81.2 billion in August.  Citi lead managed 61 of these

transactions with a total value of $14.1 billion.  Citi also participated in 58 equity and linked deals with

an aggregate value of $11.9 billion in September, compared with 43 deals totaling $10.8 billion in

August.  Citi lead managed 9 deals with a total value of $643.9 million.   
Name of institution: Fifth Third Bancorp Submission date: October 29, 2010 Person to be c

PART I. QUANTITATIVE OVERVIEW

SCHEDULE A: CONSUMER LENDING (Millions $) JUL AUG SEP Key 1. First Mortgagea. Average Loan Balance (Daily Average Total Outstanding) $10,292 $10,579 $10,723 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 $1,476 $2,008 $2,311(1) Refinancings $1,047 $1,584 $1,874(2) New Home Purchases $428 $424 $437

2. Home Equity

a. Average Total Loan Balance $11,394 $11,344 $11,286 Average balance consists of HELOC and HELOAN accounts consistent with the classification of the

FR Y9C report.

b. Originations (New Lines+Line Increases) $65 $91 $91

Total origination

and $437 million 

Fifth Third exten

2010

TREASURY MONTHLY INTERMEDIATION SNAPSHOT

1

c. Total Used and Unused Commitments $19,445 $19,353 $19,250

3. US Card ‐ Managed

a. Average Total Loan Balance ‐ Managed $2,138 $2,120 $2,147 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) $92 $118 $116

c. Total Used and Unused Commitments $12,109 $12,142 $12,146

4. Other Consumer

a. Average Total Loan Balance $10,708 $10,845 $10,948 Average balance consists of auto and other consumer loans and leases consistent with the

classification of the FR Y9C report.

b. Originations $573 $560 $524

Other consumer 

decrease of app

September new 

August.

1
SCHEDULE B: COMMERCIAL LENDING (Millions $) JUL AUG SEP Key 

1. C & Ia. Average Total Loan and Lease Balance $27,499 $27,788 $28,128 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 $1,759 $2,169 $2,985 Includes renewed funded loans and renewed commitments.

c. New Commitments $1,442 $1,614 $1,643 Includes new commitments both funded and unfunded

2. Commercial Real Estate

a. Average Total Loan and Lease Balance $16,261 $16,168 $16,015 Average balance consists of real estate secured commercial loans consistent with the classification

of the FR Y9C report.

b. Renewal of Existing Accounts $458 $599 $864 Includes renewed funded loans and renewed commitments.

c. New Commitments $106 $115 $173 Includes new commitments both funded and unfunded

4. Small Business Loans3

a. Average Total Loan Balance $4,966 $4,921 $4,870 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.

Small Business c

in August 2010.

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

New C&I commi

August 2010.New CRE comm

2010. Renewal 

million in Augus

2

b. Originations $287 $352 $441SCHEDULE D: OTHER INTERMEDIATION ACTIVITIES (Millions $)

1. MBS/ABS Net Purchased Volume

a. Mortgage Backed Securities $831 $471 ‐$52 Consists of MBS purchases less sales for the month.

b. Asset Backed Securities $0 $0 $200 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 $697 $1,150 $1,594

ABS auto purcha

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

2
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:  Fifth Third Bancorp

Reporting month(s):  September 2010   

Submission date:  October 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 0.9% in September 2010 compared to August

2010.  New CRE commitments originated in September 2010 were $173 million, compared to $115

million in August 2010.  Renewal levels for existing accounts increased in September 2010 to $864

million compared to $599 million in August 2010.  As commercial vacancy rates continue to increase,

Fifth Third continues to monitor the CRE portfolios and continues to suspend lending on 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 1.2% in September 2010 compared to August

2010.  New C&I commitments originated in September 2010 increased to $1.64 billion compared to

$1.61 billion in August 2010.  Renewal levels for existing accounts in September 2010 of $2.99 billion

compared to $2.17 billion in August 2010.  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, but 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 are slightly down since last month but have been somewhat stable through the summer

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

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

Name of institution:  Fifth Third Bancorp

Reporting month(s):  September 2010   

Submission date:  October 29, 2010

Person to be contacted regarding this report: Blane Scarberry

2

Small Business:  Average Small Business balances decreased by approximately 1.0% in September 2010

compared to August 2010.  Small Business commitments originated in September 2010 were $441

million, which was up from $352 million in August 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 0.4% in September 2010 compared

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

borrowers, however, new originations in C&I more than offset collections and repayments in the month

of September 2010.   

Consumer section

Consumer:   September new credit card extensions were $116 million, a decrease from $118 million of

extensions in August.  Other consumer loan originations, which include new car loans, were $524 million

in September.  This was a decrease of approximately $36 million from August.  We also extended $91

million of new home equity lines of credit during the month.

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

for the month totaled approximately $2.3 billion driven by $1.9 billion of refinancing activity and $437

million of new home purchases.  This was an increase of approximately $303 million from August.   

During the month of September, 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 September of 2010, Fifth Third’s portfolio of consumer loans and leases was flat relative to August

2010.   

Treasury section

Treasury:   September investment portfolio activity included the partial re‐investment of portfolio cash

flows into MBS and the allocation additional balance sheet liquidity into ABS auto securities.  For the

month, ABS auto purchases totaled $200 million and net Agency MBS sales totaled $52 million.
Name of institution: KeyCorp Submission date: 10/27/10 Person to be c

PART I. QUANTITATIVE OVERVIEW

SCHEDULE A: CONSUMER LENDING (Millions $) JUL AUG SEP Key 1. First Mortgagea. Average Loan Balance (Daily Average Total Outstanding) $3,028 $3,008 $2,998 First Mortgage includes loans secured by 1‐4 family residential properties including home equity

loans secured by first liens.

b. Total Originations $140 $177 $184 Total Originations include both portfolio and held‐for‐sale loan originations.

(1) Refinancings $83 $118 $127(2) New Home Purchases $57 $59 $57

2. Home Equity

a. Average Total Loan Balance $8,273 $8,253 $8,237 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 $71 $68

After three cons

level. However, 

September appli

level.

2010

TREASURY MONTHLY INTERMEDIATION SNAPSHOT

1

c. Total Used and Unused Commitments $16,121 $16,056 $15,973

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 $9,742 $9,644 $9,608 Other Consumer includes all other non‐revolving consumer loans.

b. Originations $10 $10 $16

September loan 

were down 7% f

1
SCHEDULE B: COMMERCIAL LENDING (Millions $) JUL AUG SEP Key

1. C & Ia. Average Total Loan and Lease Balance $23,583 $23,620 $23,500 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 $1,441 $1,059 $919 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 $1,015 $838 $789 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 $13,863 $13,244 $13,066 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 $483 $302 $160 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 $120 $42 $170 New commitments include outstanding balances and unused commitments. Commitment

amounts exclude standby letters of credit.

4. Small Business Loans3

a. Average Total Loan Balance $3,042 $3,019 $2,993 Small Business includes loans guaranteed by the Small Business Administration ("SBA") and other

loans internally classified as small business loans.

Over $1 billion in 

Institutional Ban

The majority of r

originations are 

Estate Capital se

equity. The Mid

New loan approv

approvals are at 

increase is due t

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

2

b. Originations $46 $43 $48SCHEDULE D: OTHER INTERMEDIATION ACTIVITIES (Millions $)

1. MBS/ABS Net Purchased Volume

a. Mortgage Backed Securities $398 $998 ‐$105 September mortgage backed securities ("MBS") net purchased volume includes $398 million billion

in purchases and $503 million in sales, paydowns, calls and maturities.

b. Asset Backed Securities $0 $0 $0

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

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

b. Average Total Debit Balances2 N/A N/A N/A3. Underwriting

a. Total Equity Underwriting $20 $150 $136 Represents KeyCorp's equity underwriting commitments.

b. Total Debt Underwriting $117 $591 $747 Represents KeyCorp's taxable and municipal debt underwriting commitments.

KeyCorp was the 

to eight deals to

totaling $325 mi

high yield. Mun

The September p

slightly less than 

overall balance s

Midwest Region

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):  September 2010

Submission date:  10/27/10

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 Banking

and National Banking.  The Community Banking 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 National

Banking 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 experienced overall credit demand improvement in September.  Credit demand for Commercial

and Industrial (“C & I”) lending was strongest in the Institutional Banking and Leasing segments.  

Commercial Real Estate (“CRE”) originations reached a year‐to‐date high and Business Banking demand

continues to improve steadily.   Consumer credit demand is also gaining momentum with the continued

low interest rate environment.

Consumer

Consumer credit demand is beginning to show improved year‐over‐year comparisons, due to the low

interest rate environment promoting refinance activity and positive marketing momentum.  Credit

quality remains good for new business applicants.   

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

C & I

C & I loan approval volume was very strong in September, exceeded only by June’s results this year.  

Approvals to new clients were strongest in the Institutional Bank ($301 million) and Leasing ($358

million) segments.  Approvals to existing clients in the Middle Market segment were $192 million.

Commercial Real Estate

CRE approval volume increased in September from the August level, led by new loans to institutional

borrowers, along with the continuation of renewals and extensions.  The new volume is distributed

across a variety of asset types and geographical regions.  New Middle Market activity was consistent

with the activity during the previous months.  Overall, CRE balances continue to decline as principal

repayments exceed new borrowings.

Small Business
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:  KeyCorp

Reporting month(s):  September 2010

Submission date:  10/27/10

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

2

For the month of September, approvals increased 12% to $99 million from the August level of $88

million.  September approvals are at their highest level since July 2008.  The growth in loan approvals is

due to a notable increase in KeyCorp’s traditional Business Banking lending.  In addition to stable SBA

lending activity, KeyCorp experienced a modest increase in approved owner‐occupied CRE loans.

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 September, the size of KeyCorp’s investment

portfolio slightly decreased, as purchases of $398 million of collateralized mortgage obligations issued

by government‐sponsored entities were offset by $503 million in paydowns and maturities.   
Name of institution: Marshall & Ilsley Corporation Submission date: 10/29/10 

PART I. QUANTITATIVE OVERVIEW

2010

SCHEDULE A: CONSUMER LENDING (Millions $) JUL AUG SEP Key 1. First Mortgagea. Average Loan Balance (Daily Average Total Outstanding) $6,463 $6,416 $6,379 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 $172 $225 $280 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 $107 $166 $218

(2) New Home Purchases $65 $59 $62

2. Home Equity

a. Average Total Loan Balance $2,613 $2,600 $2,587 Includes Home Equity Lines only.

b. Originations (New Lines+Line Increases) $26 $24 $25

TREASURY MONTHLY INTERMEDIATION SNAPSHOT

c. Total Used and Unused Commitments $4,742 $4,701 $4,665

3. US Card ‐ Managed

a. Average Total Loan Balance ‐ Managed $277 $278 $279 Includes Consumer Card only.

b. New Account Originations (Initial Line Amt) $6 $9 $10c. Total Used and Unused Commitments $1,302 $1,310 $1,319

4. Other Consumer

a. Average Total Loan Balance $1,927 $1,895 $1,879 Includes consumer PRA & LOCs. Subcategories include Auto Leases, Dealer Finance, Personal

Securities Loans, and Student Loans.

b. Originations $58 $54 $59 Includes Additional Notes and Refinances to existing customers and notes to new customers.

1
SCHEDULE B: COMMERCIAL LENDING (Millions $) JUL AUG SEP Key 

1. C & Ia. Average Total Loan and Lease Balance $12,175 $12,067 $12,006 Includes A/R and Inventory, Dealer Commercial, Agricultural, IRB's and Muni, and Commercia

Leases.

b. Renewal of Existing Accounts $149 $86 $239 Renewals include renewal of existing accounts where new money is requested, terms are

modified, or new master line is established.

c. New Commitments $122 $56 $70 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 $17,628 $17,349 $17,023 Includes Business Purpose 1‐4 and Construction, Development, & Vacant Land (Commercial a

Residential).

b. Renewal of Existing Accounts $60 $42 $22 Renewals include renewal of existing accounts where new money is requested, terms are

modified, or new master line is established.

c. New Commitments $27 $39 $76 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 $3,229 $3,170 $3,125 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 $20 $14 $16SCHEDULE D: OTHER INTERMEDIATION ACTIVITIES (Millions $)

1. MBS/ABS Net Purchased Volume

a. Mortgage Backed Securities $8 ‐$985 $1 Includes Mortgage Backed security purchase activities net of any security MBS sale activities,

within the consolidated investment holdings. At Qtr‐end this may also include Traded‐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):  September 2010   

Submission date:  10/29/2010

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 $450 million of new credit to

new and existing customers in September for a total of over $9.3 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 $21 million in

September and over $685 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 December 31, 2010.

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 continued to increase from August to September driven primarily by
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:  Marshall & Ilsley Corporation

Reporting month(s):  September 2010   

Submission date:  10/29/2010

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

2

refinance activity.  The increase in refinance activity is due to 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: October 29, 2010 

PART I. QUANTITATIVE OVERVIEW

SCHEDULE A: CONSUMER LENDING (Millions $)

1. First Mortgage Jul Aug Sep Key 

a. Average Loan Balance (Daily Average Total Outstanding) $16,395 $16,534 $16,758 First and second residential 1‐4 family mortgages, including residential mortgages held 

b. Total Originations $653 $835 $911 Loan originations designated for the secondary market and those to be held in portfoli

Regions' balance sheet.

(1) Refinancings $382 $576 $656 Total originations designated as refinance status.

(2) New Home Purchases $271 $259 $255 Total originations designated as new purchase status.

2. Home Equity

a. Average Total Loan Balance $14,776 $14,687 $14,586 Average balances include Home Equity loans and HELOCs.b O i i ti (N Li Li I ) $98 $110 $117 N H E it l li d i

TREASURY MONTHLY INTERMEDIATION SNAPSH

2010

b. Originations (New Lines+Line Increases) $98 $110 $117 New Home Equity loans, lines and increases.

c. Total Used and Unused Commitments $24,253 $24,070 $23,889 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 $3,121 $3,022 $2,909 Includes consumer direct, indirect, other revolving (i.e., overdraft lines) and student loa

for sale.

b. Originations $61 $61 $62 Includes direct and student lending origination activity.

1
SCHEDULE B: COMMERCIAL LENDING (Millions $)

1. C & I Jul Aug Sep Key 

a. Average Total Loan and Lease Balance $33,654 $33,777 $33,893 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 $2,045 $2,166 $1,796 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 $1,235 $1,051 $1,103 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 $19,096 $18,810 $18,463 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 $978 $1,011 $1,149 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 $38 $29 $40 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 $13,197 $13,098 $13,148 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 $10 million. The

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

b. Originations $579 $691 $644 New and renewed production of funded and unfunded commitments made to small bu

clients, which we generally define as clients with revenues up to $10 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 $471 $772 $264 Net purchase volume as captured in bond accounting system. Reflects settlement date

Consists of Agency Fixed‐Rate Mortgage‐Backed Products.

b. Asset Backed Securities $0 $0 $37 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 $1,085 $1,041 $1,008 Reflects average margin receivables as recorded on the general ledger.

3. Underwriting

Ttl E it U d iti $17 $67 $74 Ttl it d iti ti it R t Ri ' ti i ti t 

a. Total Equity Underwriting $17 $67 $74 Total equity underwriting activity. Represents Regions' participation percentage.

b. Total Debt Underwriting $880 $1,187 $1,378 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):    September 2010    

Submission date:  October 29, 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 September, new and renewed commitments decreased by $0.1 billion to $5.2 billion for the month,

and average balances were down $0.2 billion from August to $86.6 billion.

The month over month decrease in new and renewed commitments was driven primarily by a $0.4

billion decrease in C&I renewals, partially offset by a $0.1 billion (14%) increase in mortgage refinancings

as a result of continuing attractive interest rates.

III. Consumer Lending

A. Mortgage Lending

The mortgage division originated mortgage loans totaling $911 million in September 2010.  Overall

production increased 9.2% from the prior month.  New purchase originations decreased 1.5% from prior

month, and refinancing activity increased from the prior month 14%.  Application activity in September

decreased 13.5% 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%.  September originations included

approximately $122 million related to 739 loans refinanced under the Home Affordable Refinance

Program.
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution: Regions Financial Corporation

Reporting month(s):    September 2010    

Submission date:  October 29, 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.  

Regions has adopted the recent changes applicable for FNMA/FHLMC loans which include a new

forbearance program for unemployed borrowers and a shortsale program for borrowers who do not

maintain good standing with the HAMP program.  In accordance with the program guidelines, Regions

has distributed approximately 1,850 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

September, Regions completed 70 modifications totaling $10.7 million in unpaid principal.  Regions

currently services approximately $23.2 billion of Fannie Mae and Freddie Mac mortgages.  

B. Home Equity Lending

Home Equity production increased 6% in September to $116.5MM from prior month and increased 8%

versus same period prior year.  To help improve production 140,000 pre‐approved HELOC offers were

mailed in August. In addition, we continue to gain momentum from the point of sale preapproved Equity

offers at DDA account opening.

Overall Home Equity average balances declined $101 million or 0.7% in September to $14.6 billion. The

HELOAN portfolio declined $25.5 million, 1.6%, while HELOC balances declined $75 million or 0.6%.

Portfolio run‐off continues as payoffs/paydowns outpace production. 

C. Other Consumer Lending

Direct Lending and Other Revolving production has increased as consumers are choosing to match their

debt instrument to their collateral. During September production increased 6% to $47.5MM from prior

month and increased 17% versus same period prior year.  To improve production approximately 114,000

pre‐approved Auto/Unsecured Line of Credit offers were mailed to existing customers in August. In

addition, at the end of July we introduced Auto/Unsecured preapproved point of sale offers at DDA

account opening similar to Equity.  

Overall, Other Consumer Lending balances decreased 3.7% to $2.9 billion in September compared to

August primarily driven by the continued run‐off in the Indirect Lending portfolio and routine student

loan sales.   

D. Customer Assistance Program
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution: Regions Financial Corporation

Reporting month(s):    September 2010    

Submission date:  October 29, 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. (2.05% for Regions vs. 4.57% nationally in

the second quarter of 2010.)  Since inception of the program, Regions has restructured more than $2.4

billion in mortgages, including $24 million in September 2010. Regions has assisted more than 31,000

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 1,850 trial period modifications for $282 million, and of those, 1,168 have been completed for

$177 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 $116 million in September as

compared to August levels.  Commercial line utilization rates increased slightly in September as

compared to August.

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 $10 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 September as compared to August.

B.  Commercial Real Estate Lending
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution: Regions Financial Corporation

Reporting month(s):    September 2010    

Submission date:  October 29, 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 September, 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 September

totaled $264 million, which consists of Agency Fixed‐Rate Mortgage‐Backed Products.  Commerical

Mortgage‐Backed securities totaling $37 million were also purchased in September.

VI. Equity and Debt Activities at Morgan Keegan

The Equity market in September has seen names like HCA, Inc., General Motors, Skype and Vera Bradley

and these have brought a buzz to the IPO market with the street hopeful these offerings will price during

the fourth quarter of 2010.  Morgan Keegan’s backlog is building with technology leading the way. If the

stock market provides an opportunistic window,  October and the first half of November may provide

issuers a chance to launch their IPO and raise capital.  The Morgan Keegan Debt underwriting

department expects overall taxable and tax free issuance to rise throughout the fourth quarter and see

a peak in December 2010.
Name of institution: SunTrust Banks, Inc. Submission date: 10/28/10 Pe

PART I. QUANTITATIVE OVERVIEW

SCHEDULE A: CONSUMER LENDING (Millions $) JUL AUG SEP Key 1. First Mortgagea. Average Loan Balance (Daily Average Total Outstanding) $31,928 $32,079 $32,656 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 $2,349 $2,839 $2,776 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 $1,334 $1,899 $2,016(2) New Home Purchases $1,014 $940 $760

2. Home Equity

a. Average Total Loan Balance $16,887 $16,769 $16,700 Average balance, originations, and commitments include both Home Equity Lines and Home Equity

Loans.

b. Originations (New Lines+Line Increases) $119 $106 $139

O

in

ba

Av

co

2010

TREASURY MONTHLY INTERMEDIATION SNAPSHOT

1

c. Total Used and Unused Commitments $31,612 $31,386 $31,096

3. US Card ‐ Managed

a. Average Total Loan Balance ‐ Managed $1,055 $1,036 $1,057 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) $21 $14 $16 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 $3,821 $3,782 $3,759 This is the line commitment total for all credit card accounts of record.

4. Other Consumer

a. Average Total Loan Balance $13,181 $14,075 $14,316 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 $616 $656 $652

Se

Av

Av

ac

de

1
SCHEDULE B: COMMERCIAL LENDING (Millions $) JUL AUG SEP Key 

1. C & Ia. Average Total Loan and Lease Balance $33,208 $33,540 $33,759 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 $1,652 $1,350 $1,190 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 $1,235 $1,151 $1,492 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 $19,430 $19,175 $18,971 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 $278 $273 $174 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 $178 $156 $270 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 $4,993 $4,944 $4,909 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.

Th

Se

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

Av

hi

re

Co

m

Se

2

of $5 million or less.

b. Originations $43 $51 $39SCHEDULE D: OTHER INTERMEDIATION ACTIVITIES (Millions $)

1. MBS/ABS Net Purchased Volume

a. Mortgage Backed Securities ‐$568 $1,511 $992 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 $20 $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 $0 $16 $21 Includes total dollars allocated to STRH in equity underwriting transactions that settled within the

reporting period.

b. Total Debt Underwriting $690 $456 $732 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.

In 

ba

To

un

un

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

2
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:  SunTrust Banks, Inc.

Reporting month(s):  September 2010   

Submission date:  10/28/10

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 September, including loans held for sale, totaled $117.5 billion, up $786 million, or

0.7%, from August.  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 September totaled $6.7 billion, an increase of

2.5% from August.  

Consumer Lending

Mortgage originations totaled $2.8 billion during September, representing a 2% decrease from August.  

Mortgage refinancings increased in September by 6%, whereas loans funded for new home purchases

decreased in September by 19% relative to August.   The availability of low market mortgage rates drove

the increase in refinancings in September.  Total average mortgage balances increased by $577 million

during September due to increased holdings of federally guaranteed loans.

Home equity borrowings remain stable as evidenced by the consistent fractional monthly declines of

both total commitments and average outstanding balances over the last three months.   During

September, total used and unused commitments decreased $290 million and average funded balances

decreased $69 million.   Both changes represent relative decreases of less than 1% in comparison to

August.  Total equity loan and line originations in September increased to $139 million.  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 September, new credit card

originations totaled $16 million, with $9 million related to new consumer accounts and $7 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 $241 million, or 2%, compared to August due to the full‐month

impact of a high‐quality indirect auto loan portfolio acquired in August.  September fundings for indirect
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:  SunTrust Banks, Inc.

Reporting month(s):  September 2010   

Submission date:  10/28/10

Person to be contacted regarding this report:  Craig Smith

2

auto, student, and other consumer loans decreased 1% from August, primarily due to a decline in

indirect auto loan originations of $9 million, or 2%, compared to August.  

Commercial Lending

Average C&I loan balances increased $219 million, or 1%, in September.  The increase was driven by

higher balances in our asset‐backed commercial paper conduit.  Total Commercial Lending originations

and renewals were $2.7 billion in September, a 7% increase over August.  Renewals of existing credit

facilities and stand‐alone notes totaled $1.2 billion in September, a decrease of 12% from August.  In

contrast, combined new commitments and new funded loans increased in September by $341 million, a

30% increase compared to August.  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 $204 million, or 1%, compared to the August average.   

The majority of the decline was due to large pay downs and pay offs.  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 September, Commercial Real Estate

renewals of existing accounts decreased $99 million, or 36%, while total Commercial Real Estate new

commitments increased $114 million, or 73%, compared to August.  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 September, the average loan balance was $4.9 billion, down

1% from August.   September originations totaled $39 million, a decrease of $12 million, or 24%,

compared to August.

Other Intermediation Activities

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

activities.  In September, SunTrust purchased $992 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 forty debt issues in September with a total notional value of $12.1 billion.  

SunTrust’s allocation of underwritten debt included $253 million in investment‐grade fixed‐income

issues, $140 million in municipal debt issues and $339 million in high‐yield debt issues, which in the

aggregate was $276 million above August totals.

In September, SunTrust participated in two equity offerings with a total notional value of $426 million,

of which our allocation was $21 million.