Name of institution: Citigroup Submission date: September 27, 2010 Person to be c

PART I. QUANTITATIVE OVERVIEW

SCHEDULE A: CONSUMER LENDING (Millions $) JUN JUL AUG Key 1. First Mortgagea. Average Loan Balance (Daily Average Total Outstanding) $123,420 $120,909 $120,267 Consists of residential whole loans. Excludes assets classified as trading assets that are not part of

the core mortgage portfolio.

b. Total Originations $3,729 $4,775 $6,455 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 $2,004 $2,298 $2,820 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 $640 $571 $567

2. Home Equity

a. Average Total Loan Balance $56,491 $55,856 $55,173 Includes HELOC and 2nd mortgages.

b. Originations (New Lines+Line Increases) $105 $97 $374 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 fir

increased $1.8 b

Home equity loans 

modification progr

homeowners facin

Program, CitiFinan

approximately 16,0

2010

TREASURY MONTHLY INTERMEDIATION SNAPSHOT

1

c. Total Used and Unused Commitments $71,487 $70,730 $69,884

3. US Card ‐ Managed

a. Average Total Loan Balance ‐ Managed $125,099 $124,523 $123,835 Balances do not include commercial card activity.

b. New Account Originations (Initial Line Amt) $6,249 $5,953 $6,264

c. Total Used and Unused Commitments $719,133 $716,280 $710,851

4. Other Consumer

a. Average Total Loan Balance $67,776 $67,180 $66,413 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 $630 $582 $648

Average loan ba

Originations we

Purchase sales w

receivables were 

forbearance pro

more than 133,0

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

1. C & Ia. Average Total Loan and Lease Balance $18,542 $17,756 $17,470 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 $3,944 $788 $1,009

c. New Commitments $898 $2,153 $2,2402. Commercial Real Estate

a. Average Total Loan and Lease Balance $21,944 $21,910 $18,938 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 $177 $60 $72

c. New Commitments $222 $475 $540SCHEDULE C: MEMORANDA ‐ SMALL BUSINESS LENDING (Millions $)

4. Small Business Loans3

a. Average Total Loan Balance $9,194 $9,068 $8,945

New commitme

Average balance

Overall change i

expiring deals.

2

b. Originations $72 $78 $69SCHEDULE D: OTHER INTERMEDIATION ACTIVITIES (Millions $)

1. MBS/ABS Net Purchased Volume

a. Mortgage Backed Securities $2,710 $868 ‐$2,323 Does not include maturities and pay downs. Net Purchased Volume is reported using cost basis.

b. Asset Backed Securities $446 $563 ‐$1292. Secured Lending (Repo, PB, Margin Lending)

a. Average Total Matched Book (Repo/Reverse Repo)1 $157,426 $124,368 $114,942 Average Total Matched Book (Repo/Reverse Repo) is before FIN 41 netting. Includes security

lending activity.

b. Average Total Debit Balances2 $14,816 $14,312 $14,492

3. Underwriting

a. Total Equity Underwriting $52 $29 $28 Equity Underwriting represents Citi's portion of underwritten issue.

b. Total Debt Underwriting $5,213 $9,294 $12,907 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. 50 High Yield de

2. 255 Investment 

3. 43 Equity and Lin

Volume declined 

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):    August 2010   

Submission date:    September 27, 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 July 2010, unless otherwise noted.

Consumer Lending:  Citi originated $13.7 billion in new loans to U.S. consumers and small businesses in

August, an increase of more than 20 percent from the prior month.  U.S. unemployment remained flat at

9.6 percent on a month‐to‐month basis.

In August, Citi’s first mortgage loan originations totaled $6.5 billion, up more than 35 percent from July.  

Average mortgage loan balances declined less than one percent month‐to‐month to $120.3 billion.  Held

for sale loans increased by $1.8 billion in August, but this was offset by a $1.8 billion decrease in loans

held for investment.  

Average home equity loan balances were $55.2 billion, a decline of more than 1 percent from July.  Used

and unused commitments totaled $69.9 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 16,000 first mortgage and home

equity loans with a total value of $2.9 billion in August.   

In August, Citi issued new credit card lines totaling $6.3 billion, up more than 5 percent from July.  

Purchase sales were up 1.3 percent month‐to‐month and down 12 percent from August 2009.  Average

total card balances declined less than 1 percent to $123.8 billion.

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

More than 133,000 card members enrolled in these programs during the month, compared with

120,000 in July.  Total balances covered by Citi’s forbearance programs increased by more than 1

percent on a month‐to‐month basis, and were up more than 10 percent from the prior year period.  

Originations in other consumer lending categories increased more than 11 percent to $648.2 million,

primarily due to seasonal factors.
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:    Citigroup

Reporting month(s):    August 2010   

Submission date:    September 27, 2010

Person to be contacted regarding this report: Peter Bieszard

2

Commercial Lending:  In August, Citi originated $16.8 billion in corporate loans, up more than 31

percent month‐to‐month.

New Commercial & Industrial (C&I) loan commitments totaled more than $2.2 billion, an increase of

more than 4 percent from July.  Loan renewals in August totaled $1 billion, up more than 28 percent

from July.  Average total C&I loan balances were $17.5 billion, or more than one percent lower than July

balances.   

New Commercial Real Estate (CRE) loan commitments were $539.8 million, an increase of more than 13

percent from July due to new letters of credit.  Loan renewals totaled $72.1 million, up 20 percent

month‐to‐month.  Average total CRE loan and lease balances of $18.9 billion were down nearly 14

percent compared to July.   

Other Intermediation Activities:  Citi recorded net sales of $2.5 billion in mortgage‐ and asset‐backed

securities (MBS/ABS) in August, compared with net purchases of $1.4 billion in July.  Volumes declined

as a result of lower customer secondary trading volume.  

Citi’s total debt underwriting was $12.9 billion in August, an increase of 39 percent month‐to‐month

that reflects higher deal volume.  High yield underwriting activity included 50 deals totaling $23.8 billion,

compared with 29 transactions with a cumulative total of $15.4 billion in July.  Citi lead managed 16 high

yield deals with an aggregate value of $2.3 billion.  In August, Citi also participated in 255 investment

grade transactions with an aggregate value of $81.2 billion, compared with 186 deals totaling $59.9

billion in July.  Citi lead managed 38 of these transactions with a total value of $10.5 billion.  Citi also

participated in 43 equity and linked deals with an aggregate value of $10.8 billion in August, compared

with 29 deals totaling $10.1 billion in July.  Citi lead managed 8 deals with a total value of $389.3 million.   
Name of institution: Fifth Third Bancorp Submission date: September 30, 2010 Person to be c

PART I. QUANTITATIVE OVERVIEW

SCHEDULE A: CONSUMER LENDING (Millions $) JUN JUL AUG Key 1. First Mortgagea. Average Loan Balance (Daily Average Total Outstanding) $10,263 $10,292 $10,579 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 $1,540 $1,476 $2,008(1) Refinancings $867 $1,047 $1,584(2) New Home Purchases $673 $428 $424

2. Home Equity

a. Average Total Loan Balance $11,496 $11,394 $11,344 Average balance consists of HELOC and HELOAN accounts consistent with the classification of the

FR Y9C report.

b. Originations (New Lines+Line Increases) $99 $65 $91

Total origination

and $424 million 

Fifth Third exten

2010

TREASURY MONTHLY INTERMEDIATION SNAPSHOT

1

c. Total Used and Unused Commitments $19,558 $19,445 $19,353

3. US Card ‐ Managed

a. Average Total Loan Balance ‐ Managed $2,117 $2,138 $2,120 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) $102 $92 $118

c. Total Used and Unused Commitments $12,011 $12,109 $12,142

4. Other Consumer

a. Average Total Loan Balance $10,561 $10,708 $10,845 Average balance consists of auto and other consumer loans and leases consistent with the

classification of the FR Y9C report.

b. Originations $531 $573 $560

Other consumer 

decrease of app

August new cred

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

1. C & Ia. Average Total Loan and Lease Balance $27,442 $27,499 $27,788 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 $2,598 $1,759 $2,169 Includes renewed funded loans and renewed commitments.

c. New Commitments $1,714 $1,442 $1,614 Includes new commitments both funded and unfunded

2. Commercial Real Estate

a. Average Total Loan and Lease Balance $16,585 $16,261 $16,168 Average balance consists of real estate secured commercial loans consistent with the classification

of the FR Y9C report.

b. Renewal of Existing Accounts $1,160 $458 $599 Includes renewed funded loans and renewed commitments.

c. New Commitments $194 $106 $115 Includes new commitments both funded and unfunded

4. Small Business Loans3

a. Average Total Loan Balance $5,000 $4,966 $4,921 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

July 2010.

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

New C&I commi

2010.New CRE comm

Renewal levels f

2

b. Originations $429 $287 $352SCHEDULE D: OTHER INTERMEDIATION ACTIVITIES (Millions $)

1. MBS/ABS Net Purchased Volume

a. Mortgage Backed Securities $0 $831 $471 Consists of MBS purchases less sales for the month.

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

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

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

b. Average Total Debit Balances2 NA NA NA3. Underwriting

a. Total Equity Underwriting NA NA NA

b. Total Debt Underwriting $974 $697 $1,150

MBS purchases t

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):  August 2010   

Submission date:  September 30, 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 0.6% in August 2010 compared to July 2010.  

New CRE commitments originated in August 2010 were $115 million, compared to $106 million in July

2010.  Renewal levels for existing accounts increased in August 2010 to $599 million compared to $458

million in July 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 1.1% in August 2010 compared to July 2010.  

New C&I commitments originated in August 2010 increased to $1.61 billion compared to $1.44 billion in

July 2010.  Renewal levels for existing accounts in August 2010 were $2.17 billion compared to $1.76

billion in July 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.  Terms and covenants continue to be somewhat tighter than historical

averages, which has also served to constrain demand.  Credit spreads have narrowed somewhat in

recent months, including the non‐investment grade rating categories, which could favorably impact

volume if spreads continue to fall.

Small Business:  Average Small Business balances decreased by approximately 0.9% in August 2010

compared to July 2010.  Small Business commitments originated in August 2010 were $352 million,

which was up from $287 million in July 2010.  Demand for Small Business credit has been in a relatively
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:  Fifth Third Bancorp

Reporting month(s):  August 2010   

Submission date:  September 30, 2010

Person to be contacted regarding this report: Blane Scarberry

2

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 August 2010 compared to

July 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 August 2010.  

Consumer section

Consumer:  August 2010 overall loan volume for non‐mortgage consumer credit (home equity, credit

card and auto) was up compared to July 2010 due to an increase in home equity and credit card

demand.

August 2010 new credit card extensions were $118 million, an increase over our $92 million of

extensions in July 2010.  Other consumer loan originations, which include new car loans, were $560

million in August 2010.  This was a decrease of approximately $13 million from July.  Fifth Third also

extended $91 million of new home equity lines of credit during the month.

August 2010 mortgage lending was driven by attractive interest rates.  Total originations for the month

were approximately $2.0 billion driven by $1.6 billion of refinancing activity and $424 million of new

home purchases.  This was an increase of approximately $532 million from July 2010.   

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

Treasury section

August 2010 investment portfolio activity included the re‐investment of portfolio cash flows and the

allocation of additional balance sheet liquidity into agency MBS. For the month net Agency MBS

purchases totaled $471 million.
Name of institution: KeyCorp Submission date: 9/29/10 Person to be c

PART I. QUANTITATIVE OVERVIEW

SCHEDULE A: CONSUMER LENDING (Millions $) JUN JUL AUG Key 1. First Mortgagea. Average Loan Balance (Daily Average Total Outstanding) $3,049 $3,028 $3,008 First Mortgage includes loans secured by 1‐4 family residential properties including home equity

loans secured by first liens.

b. Total Originations $164 $140 $177 Total Originations include both portfolio and held‐for‐sale loan originations.

(1) Refinancings $77 $83 $118(2) New Home Purchases $87 $57 $59

2. Home Equity

a. Average Total Loan Balance $8,291 $8,273 $8,253 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) $80 $68 $71

Lower interest ra

level, representi

purchasing activAugust applicatio

campaign. Augu

over‐year applic

2010

TREASURY MONTHLY INTERMEDIATION SNAPSHOT

1

c. Total Used and Unused Commitments $16,172 $16,121 $16,056

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 $9,561 $9,742 $9,644 Other Consumer includes all other non‐revolving consumer loans.

b. Originations $11 $10 $10

Branch‐based au

Applications for 

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

1. C & Ia. Average Total Loan and Lease Balance $24,232 $23,583 $23,620 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 $1,423 $1,441 $1,059 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 $997 $1,015 $838 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 $14,138 $13,863 $13,244 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 $313 $483 $302 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 $146 $120 $42 New commitments include outstanding balances and unused commitments. Commitment

amounts exclude standby letters of credit.

4. Small Business Loans3

a. Average Total Loan Balance $3,073 $3,042 $3,019 Small Business includes loans guaranteed by the Small Business Administration ("SBA") and other

loans internally classified as small business loans.

The Middle Mar

new and existing 

were exceptiona

Loan extensions 

multi‐family spa

were in‐footprin

segments.New loan approv

months. This ap

and overall SBA 

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

2

b. Originations $76 $46 $43SCHEDULE D: OTHER INTERMEDIATION ACTIVITIES (Millions $)

1. MBS/ABS Net Purchased Volume

a. Mortgage Backed Securities $1,492 $398 $998 August mortgage backed securities ("MBS") net purchased volume includes $1.4 billion in

purchases and $390 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 $88 $20 $150 Represents KeyCorp's equity underwriting commitments.

b. Total Debt Underwriting $236 $117 $591 Represents KeyCorp's taxable and municipal debt underwriting commitments.

KeyCorp was the 

compared to two 

totaling $244 mi

high yield. Mun

The August purc

the investment p

interest rate risk

million from the 

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):  August 2010

Submission date:  9/29/10

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 $94.2 billion at June 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 continues to experience modest credit demand improvement in its commercial and industrial

lending portfolios, notably in the Middle Market and Business Banking segments.  The Middle Market,

Business Banking and Community Development segments continue to show modest demand for

Commercial Real Estate (“CRE”) loans.  Overall consumer credit demand continued to show some

improvement, as August’s increased mortgage application volume is reflective of the continued

favorable interest rate environment.

Consumer

Consumer credit demand continues to trend upward, driven by low interest rates for mortgages and an

increase in marketing activity promoting Home Equity and Auto lending.  The overall credit quality of

applicants remains good, as applicants have average credit bureau scores and approval rates have been

steady to rising over the past several months.

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

C & I

C & I loan approval volume improved in August from the July level, consistent with the overall improving

trends experienced since March 2010.  The Middle Market, Institutional Bank and Leasing segments

combined for $785 million in new commitments to new and existing clients in August.  Business

Banking’s approval volume was comparable to the July approval volume of $88 million.    
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:  KeyCorp

Reporting month(s):  August 2010

Submission date:  9/29/10

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

2

Commercial Real Estate

New originations in the Middle Market, Business Banking and Community Development segments

continue to reflect the modest loan demand of the past several months while the Real Estate Capital

segment continues to focus on renewals. Overall CRE balances continue to decline as principal

repayments exceed new borrowings.

Small Business

New loan approvals of $88 million in August were comparable with the levels experienced during the

past two months.  During the past five months, new loan approvals averaged $80 million per month.

This monthly average represents a nearly 75% increase over the 2009 monthly average for the

comparable period.  Excluding the Northwest Region, KeyCorp is experiencing a general improvement in

Small Business loan activity within KeyCorp’s footprint states.

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 August, KeyCorp increased the size of its

investment portfolio by $1.0 billion with the purchase of collateralized mortgage obligations issued by

government‐sponsored entities.
Name of institution: Marshall & Ilsley Corporation Submission date: 09/30/10 

PART I. QUANTITATIVE OVERVIEW

2010

SCHEDULE A: CONSUMER LENDING (Millions $) JUN JUL AUG Key 1. First Mortgagea. Average Loan Balance (Daily Average Total Outstanding) $6,550 $6,463 $6,416 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 $182 $172 $287 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 $80 $107 $209

(2) New Home Purchases $102 $65 $78

2. Home Equity

a. Average Total Loan Balance $2,629 $2,613 $2,600 Includes Home Equity Lines only.

b. Originations (New Lines+Line Increases) $33 $26 $24

TREASURY MONTHLY INTERMEDIATION SNAPSHOT

c. Total Used and Unused Commitments $4,772 $4,742 $4,701

3. US Card ‐ Managed

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

b. New Account Originations (Initial Line Amt) $6 $6 $9c. Total Used and Unused Commitments $1,296 $1,302 $1,310

4. Other Consumer

a. Average Total Loan Balance $1,931 $1,927 $1,895 Includes consumer PRA & LOCs. Subcategories include Auto Leases, Dealer Finance, Personal

Securities Loans, and Student Loans.

b. Originations $71 $58 $54 Includes Additional Notes and Refinances to existing customers and notes to new customers.

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

1. C & Ia. Average Total Loan and Lease Balance $12,264 $12,175 $12,067 Includes A/R and Inventory, Dealer Commercial, Agricultural, IRB's and Muni, and Commercia

Leases.

b. Renewal of Existing Accounts $177 $149 $86 Renewals include renewal of existing accounts where new money is requested, terms are

modified, or new master line is established.

c. New Commitments $120 $122 $56 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 $18,057 $17,628 $17,349 Includes Business Purpose 1‐4 and Construction, Development, & Vacant Land (Commercial a

Residential).

b. Renewal of Existing Accounts $48 $60 $42 Renewals include renewal of existing accounts where new money is requested, terms are

modified, or new master line is established.

c. New Commitments $17 $27 $39 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 $3,261 $3,229 $3,170 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 $18 $20 $14SCHEDULE D: OTHER INTERMEDIATION ACTIVITIES (Millions $)

1. MBS/ABS Net Purchased Volume

a. Mortgage Backed Securities $0 $8 ‐$985 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):  August 2010   

Submission date:  09/30/2010

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 $280 million of new credit to

new and existing customers in August for a total of over $8.9 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 $23 million in

August and over $660 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, loan demand continues to be weak across all of our markets.  

Continued economic uncertainty has resulted in borrowers reducing capital expenditures, delaying

investment in infrastructure (plants and equipment), experiencing lower inventories and receivables,

and lower merger and acquisition activity, all of which influence customer borrowing needs.  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.
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:  Marshall & Ilsley Corporation

Reporting month(s):  August 2010   

Submission date:  09/30/2010

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

2

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 increased from July to August driven primarily by refinance activity.  

The increase in refinance activity is due to the continued decrease in fixed rate mortgages' interest

rates.  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: September 30, 2010 

PART I. QUANTITATIVE OVERVIEW

SCHEDULE A: CONSUMER LENDING (Millions $) JUN JUL AUG1. First Mortgage Key a. Average Loan Balance (Daily Average Total Outstanding) $16,250 $16,395 $16,534 First and second residential 1‐4 family mortgages, including residential mortgages held 

b. Total Originations $660 $653 $835 Loan originations designated for the secondary market and those to be held in portfoli

Regions' balance sheet.

(1) Refinancings $280 $382 $576 Total originations designated as refinance status.

(2) New Home Purchases $380 $271 $259 Total originations designated as new purchase status.

2. Home Equity

a. Average Total Loan Balance $14,846 $14,776 $14,687 Average balances include Home Equity loans and HELOCs.b O i i ti (N Li Li I ) $125 $98 $110 N H E it l li d i

2010

TREASURY MONTHLY INTERMEDIATION SNAPSH

b. Originations (New Lines+Line Increases) $125 $98 $110 New Home Equity loans, lines and increases.

c. Total Used and Unused Commitments $24,419 $24,253 $24,070 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 $3,242 $3,121 $3,022 Includes consumer direct, indirect, other revolving (i.e., overdraft lines) and student loa

for sale.

b. Originations $104 $61 $61 Includes direct and student lending origination activity.

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

1. C & I Key a. Average Total Loan and Lease Balance $33,455 $33,654 $33,777 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 $2,572 $2,045 $2,166 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 $1,112 $1,235 $1,051 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 $19,712 $19,096 $18,810 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 $1,326 $978 $1,011 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 $44 $38 $29 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 $13,197 $13,098 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 $701 $579 $691 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 $614 $471 $772 Net purchase volume as captured in bond accounting system. Reflects settlement date

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 $955 $1,085 $1,041 Reflects average margin receivables as recorded on the general ledger.

3. Underwriting

Ttl E it U d iti $33 $17 $67 Ttl it d iti ti it R t Ri ' ti i ti t 

a. Total Equity Underwriting $33 $17 $67 Total equity underwriting activity. Represents Regions' participation percentage.

b. Total Debt Underwriting $1,722 $880 $1,187 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):  August 2010

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

$135 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 August, new and renewed commitments increased by $0.2 billion to $5.3 billion for the month, and

average balances were down $0.2 billion from July to $86.8 billion.

The month over month increase in new and renewed commitments was driven primarily by a $0.2

billion (51%) increase in mortgage refinancings as a result of attractive interest rates.

III. Consumer Lending

A. Mortgage Lending

The mortgage division originated mortgage loans totaling $835 million in August 2010.  Overall

production increased 28% from the prior month.  New purchase originations decreased 5% from prior

month, and refinancing activity increased from the prior month 51%.  Application activity in August

increased 7% 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%.  August originations included

approximately $101.3 million related to 582 loans refinanced under the Home Affordable Refinance

Program.
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:  Regions Financial Corporation

Reporting month(s):  August 2010

Submission date:  September 30, 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.  The

government is expected to provide details on the program changes by this fall.  Once detailed guidelines

are received, Regions will review them and implement as applicable for FNMA/FHLMC loans serviced by

Regions.  In accordance with the program guidelines, Regions has distributed approximately 1,783

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 August, Regions completed 74

modifications totaling $9.8 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 13% in August to $110.0MM 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 $89 million or 0.6% in August to $14.7 billion. The

HELOAN portfolio declined $24 million, 1.5%, while HELOC balances declined $65 million or 0.5%.

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

C. Other Consumer Lending

As consumer demand has shifted away from Equity lending, we have renewed our focus on Direct

Lending.  During August approximately 114,000 pre‐approved Auto/Unsecured Lines of Credit offers

were mailed to existing customers. In addition, at the end of July we introduced Auto/Unsecured

preapproved point of sale offers at DDA account opening similar to Equity. During August production

increased 13% to $45MM from prior month but remained flat when compared to same period prior

year.

Overall, Other Consumer Lending balances decreased 3% to $3.0 billion in August compared to July

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):  August 2010

Submission date:  September 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. (2.05% 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 $21 million in August 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 1,783 trial period modifications for $273 million, and of those, 1,098 have been completed for

$167 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 $123 million in August as

compared to July levels.  Commercial line utilization rates remained flat in August as compared to July.

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 August as compared to July.

B.  Commercial Real Estate Lending
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:  Regions Financial Corporation

Reporting month(s):  August 2010

Submission date:  September 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 August, 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 August

totaled $772 million, which consists of Agency Fixed‐Rate Mortgage‐Backed Products.

VI. Equity and Debt Activities at Morgan Keegan

The Morgan Keegan Equity department had a challenging August, but certainly outperformed July.

August is known to be challenging because many Europeans are on holiday most of the month.   This

affects volumes in many markets. In this year however, July seemed to be the month with the lackluster

interest in the markets.  The street activity picked up with the number of deals registered growing from

46 in July to 68 in August. The two most awaited filings were Skype and General Motors.  The Morgan

Keegan debt department Tax Exempt volume was higher than expected and was driven primarily by

issuers taking advantage of the exceptionally low interest rate environment, along with the fact that

several government issuance programs are set to expire at the end of the year.  We expect an uptick in

activity on the Taxable side now since Labor Day has passed and the typical late summer slowdown is

gone.
Name of institution: SunTrust Banks, Inc. Submission date: 09/29/10 Pe

PART I. QUANTITATIVE OVERVIEW

SCHEDULE A: CONSUMER LENDING (Millions $) JUN JUL AUG Key 1. First Mortgagea. Average Loan Balance (Daily Average Total Outstanding) $31,423 $31,928 $32,079 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 $2,524 $2,349 $2,839 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 $1,104 $1,334 $1,899(2) New Home Purchases $1,420 $1,014 $940

2. Home Equity

a. Average Total Loan Balance $16,962 $16,887 $16,769 Average balance, originations, and commitments include both Home Equity Lines and Home Equity

Loans.

b. Originations (New Lines+Line Increases) $126 $119 $106

O

re

Av

Av

co

2010

TREASURY MONTHLY INTERMEDIATION SNAPSHOT

1

c. Total Used and Unused Commitments $31,763 $31,612 $31,386

3. US Card ‐ Managed

a. Average Total Loan Balance ‐ Managed $1,072 $1,055 $1,036 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) $15 $21 $14 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 $3,853 $3,821 $3,782 This is the line commitment total for all credit card accounts of record.

4. Other Consumer

a. Average Total Loan Balance $13,003 $13,181 $14,075 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 $620 $616 $656

Av

av

au

Au

Av

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

1. C & Ia. Average Total Loan and Lease Balance $32,909 $33,208 $33,540 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 $1,246 $1,652 $1,350 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 $1,812 $1,235 $1,151 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 $20,493 $19,430 $19,175 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 $480 $278 $273 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 $186 $178 $156 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 $5,074 $4,993 $4,944 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.

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

Av

in

de

Co

th

ac

Th

O

2

of $5 million or less.

b. Originations $68 $43 $51SCHEDULE D: OTHER INTERMEDIATION ACTIVITIES (Millions $)

1. MBS/ABS Net Purchased Volume

a. Mortgage Backed Securities $183 ‐$568 $1,511 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 $20 $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 $17 $0 $16 Includes total dollars allocated to STRH in equity underwriting transactions that settled within the

reporting period.

b. Total Debt Underwriting $290 $690 $456 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

tr

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):  August 2010   

Submission date: 9/29/10

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 $170.7 billion on June 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 1,675 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 August, including loans held for sale, totaled $116.7 billion, up $983 million, or 0.8%,

from July.  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 August totaled $6.5 billion, an increase of 1.5% from July.  

Consumer Lending

Mortgage originations totaled $2.8 billion during August, representing a 21% increase over July.  

Mortgage refinancings increased in August by 42%, whereas loans funded for new home purchases

decreased in August by 7% relative to July.   The availability of low market mortgage rates drove the

increase in refinancings in August.  Total average mortgage balances increased by $151 million during

August.

Home equity borrowings remain stagnant as evidenced by the fractional monthly decline of both total

commitments and average outstanding balances over the last three months.   During August, total used

and unused commitments decreased $226 million and average funded balances decreased $118 million.   

Both changes represent relative decreases of less than 1% in comparison to July.  Total equity loan and

line originations in August decreased to $106 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 August, new credit card

originations totaled $14 million, with $10 million related to new consumer accounts and $4 million

related to new business and corporate accounts.    

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

loan balances increased $894 million, or 7%, compared to July, with 70% of the increase attributable to

the purchase of indirect auto loans from a third party.  August fundings for indirect auto, student, and

other consumer loans increased slightly from July primarily due to indirect auto lending, which increased

by $37 million, or 10%, compared to July.  
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:  SunTrust Banks, Inc.

Reporting month(s):  August 2010   

Submission date: 9/29/10

Person to be contacted regarding this report:  Craig Smith

2

Commercial Lending

Average C&I loan balances increased $332 million, or 1%, in August to $34 billion.  The increase was

driven by an increase in commercial loans held for sale.  Renewals of existing credit facilities and stand‐

alone notes totaled $1.4 billion in August, a decrease of 18% from July. Combined new commitments

and new funded loans decreased in August by $84 million, a 7% decrease compared to July.  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 $255 million, or 1.3%, compared to the July 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 August, Commercial Real Estate

renewals of existing accounts decreased $5 million, or 2%, and total Commercial Real Estate new

commitments decreased $22 million, or 12%, compared to July.  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 August, the average loan balance was $5 billion, down 1% from

July.   August originations totaled $51 million, an $8 million, or 19% increase, compared to July.

Other Intermediation Activities

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

activities.  In August, SunTrust purchased $1.5 billion 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 twenty‐six debt issues in August with a total notional value of $12.9 billion.  

SunTrust’s allocation of underwritten debt included $189 million in investment‐grade fixed‐income

issues, $46 million in municipal debt issues and $221 million in high‐yield debt issues, which in the

aggregate was $234 million below July totals.

In August, SunTrust participated in two equity offerings with a total notional value of $560 million, of

which our allocation was $16 million.