Name of institution: Citigroup Submission date: November 30, 2010 Person to be c

PART I. QUANTITATIVE OVERVIEW

SCHEDULE A: CONSUMER LENDING (Millions $) AUG SEP OCT Key 1. First Mortgagea. Average Loan Balance (Daily Average Total Outstanding) $120,267 $120,154 $118,678 Consists of residential whole loans. Excludes assets classified as trading assets that are not part of

the core mortgage portfolio.

b. Total Originations $6,455 $6,793 $7,242 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 $2,820 $3,066 $3,414 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 $567 $410 $386

2. Home Equity

a. Average Total Loan Balance $55,173 $54,457 $53,004 Includes HELOC and 2nd mortgages.

b. Originations (New Lines+Line Increases) $374 $100 $86 If a line is increased, only the amount of the increase is included in originations. If we originated a

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

included the total new line in originations.

TREASURY MONTHLY INTERMEDIATION SNAPSHOT

End of period 1s

loan origination

million, with the 

Home equity loans 

modification progr

homeowners facin

Program and the H

totaling more than 

2010

1

c. Total Used and Unused Commitments $69,884 $68,263 $67,476

3. US Card ‐ Managed

a. Average Total Loan Balance ‐ Managed $123,835 $122,510 $119,738 Balances do not include commercial card activity.

b. New Account Originations (Initial Line Amt) $6,264 $6,418 $5,511

c. Total Used and Unused Commitments $710,851 $706,694 $694,755

4. Other Consumer

a. Average Total Loan Balance $66,413 $62,865 $57,078 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 $648 $530 $435

Average loan ba

Purchase sales w

receivables were 

forbearance pro

September with 

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

1. C & Ia. Average Total Loan and Lease Balance $17,470 $17,362 $16,221 Renewals and new commitments are on a facility basis. Facilities may include L/Cs. Renewals

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

b. Renewal of Existing Accounts $1,009 $158 $1,861

c. New Commitments $2,240 $1,093 $1,0062. Commercial Real Estate

a. Average Total Loan and Lease Balance $18,938 $16,931 $15,690 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 $72 $173 $16

c. New Commitments $540 $408 $706SCHEDULE C: MEMORANDA ‐ SMALL BUSINESS LENDING (Millions $)

4. Small Business Loans3

a. Average Total Loan Balance $8,945 $8,758 $8,232

Average Total Lo

increased sales. 

in October 2010

Average balance

Overall change i

2

b. Originations $69 $78 $59SCHEDULE D: OTHER INTERMEDIATION ACTIVITIES (Millions $)

1. MBS/ABS Net Purchased Volume

a. Mortgage Backed Securities ‐$2,323 ‐$1,870 $573 Does not include maturities and pay downs. Net Purchased Volume is reported using cost basis.

b. Asset Backed Securities  ‐$129 $1,231 $1472. Secured Lending (Repo, PB, Margin Lending)

a. Average Total Matched Book (Repo/Reverse Repo)1 $114,942 $121,935 $122,641 Average Total Matched Book (Repo/Reverse Repo) is before FIN 41 netting. Includes security

lending activity.

b. Average Total Debit Balances2 $14,492 $15,222 $16,449

3. Underwriting

a. Total Equity Underwriting $28 $488 $52 Equity Underwriting represents Citi's portion of underwritten issue.

b. Total Debt Underwriting $12,907 $22,406 $7,276 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. 68 High Yield de

2. 188 Investment 

3. 54 Equity and Lin

Volume increase

October due to 

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):    October 2010   

Submission date:    November 30, 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 September 2010, unless otherwise noted.

Consumer Lending:  Citi originated $13.3 billion in new loans to U.S. consumers and small businesses in

October, down 4 percent from the prior month.  U.S. unemployment remained at 9.6 percent for the

third consecutive month.

Citi’s first mortgage loan originations totaled $7.2 billion, up more than 6 percent from September.  

Average mortgage loan balances declined by 1 percent to $118.7 billion.  

Average home equity loan balances were $53 billion, a decline of more than 2 percent from September.  

Used and unused commitments totaled $67.5 billion, 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 12,700 first and second mortgage

loans totaling more than $2.1 billion in October.

In October, Citi issued new credit card lines totaling $5.5 billion, down more than 14 percent from

September.  Purchase sales increased by 1.9 percent month‐to‐month, but declined 13.5 percent from

October 2009.  Average total card balances declined by more than 2 percent to $119.7 billion.

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

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

122,000 in September.  Total balances covered by Citi’s forbearance programs declined by 2.4 percent

on a month‐to‐month basis, and were up less than 1 percent from the prior‐year period.  

Originations in other consumer lending categories decreased more than 18 percent to $435 million.
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:    Citigroup

Reporting month(s):    October 2010   

Submission date:    November 30, 2010

Person to be contacted regarding this report: Peter Bieszard

2

Commercial Lending:  In October, Citi originated $10.9 billion in corporate loans, down more than 55

percent from September.

New Commercial & Industrial (C&I) loan commitments totaled $1 billion, a decrease of nearly 8 percent

month‐to‐month.  Loan renewals in October totaled $1.9 billion, a 12‐fold increase from September.  

Average total C&I loan balances were $16.2 billion, declining more than 6 percent from September

balances.   

New Commercial Real Estate (CRE) loan commitments were $705.7 million, increasing 73 percent

month‐to‐month.  Loan renewals totaled $16.1 million, down more than 90 percent from September.  

Average total CRE loan and lease balances were $15.7 billion, declining more than 7 percent from

September.   

Other Intermediation Activities:  Citi recorded net purchases of $720.4 million in mortgage‐ and asset‐

backed securities (MBS/ABS) in October, compared with net sales of $639 million in September.  While

ABS net balances were down, higher MBS volumes reflected an increase in profitable trading

opportunities.  

Citi’s total debt underwriting was $7.3 billion in October, a decrease of more than 67 percent month‐to‐

month that reflects lower deal volume.  High yield underwriting activity included 68 deals totaling $36

billion, compared with 65 transactions with a cumulative total of $32.5 billion in September.  Citi lead

managed 17 high yield deals with an aggregate value of $2.1 billion.  In October, Citi also participated in

188 investment grade transactions with an aggregate value of $56.1 billion, compared with 329 deals

totaling $115.7 billion in September.  Citi lead managed 27 of these transactions with a total value of

$5.4 billion.  Citi also participated in 54 equity and linked deals with an aggregate value of $10.9 billion

in September, compared with 58 deals totaling $11.9 billion in September.  Citi lead managed 9 deals

with a total value of $1.9 billion.   
Name of institution: Fifth Third Bancorp Submission date: November 30, 2010 Person to be c

PART I. QUANTITATIVE OVERVIEW

SCHEDULE A: CONSUMER LENDING (Millions $) AUG SEP OCT Key 1. First Mortgagea. Average Loan Balance (Daily Average Total Outstanding) $10,579 $10,723 $10,884 Average balance consists of 1‐4 family residential mortgage loans consistent with the classification

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

b. Total Originations $2,008 $2,311 $2,291(1) Refinancings $1,584 $1,874 $1,884(2) New Home Purchases $424 $437 $406

2. Home Equity

a. Average Total Loan Balance $11,344 $11,286 $11,204 Average balance consists of HELOC and HELOAN accounts consistent with the classification of the

FR Y9C report.

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

Total origination

and $406 million 

Fifth Third exten

2010

TREASURY MONTHLY INTERMEDIATION SNAPSHOT

1

c. Total Used and Unused Commitments $19,353 $19,250 $18,969

3. US Card ‐ Managed

a. Average Total Loan Balance ‐ Managed $2,120 $2,147 $2,154 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) $118 $116 $119

c. Total Used and Unused Commitments $12,142 $12,146 $12,159

4. Other Consumer

a. Average Total Loan Balance $10,845 $10,948 $11,012 Average balance consists of auto and other consumer loans and leases consistent with the

classification of the FR Y9C report.

b. Originations $560 $524 $445

Other consumer 

decrease of app

October new cre

September.

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

1. C & Ia. Average Total Loan and Lease Balance $27,788 $28,128 $28,419 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 $2,169 $2,985 $1,603 Includes renewed funded loans and renewed commitments.

c. New Commitments $1,614 $1,643 $1,464 Includes new commitments both funded and unfunded

2. Commercial Real Estate

a. Average Total Loan and Lease Balance $16,168 $16,015 $15,499 Average balance consists of real estate secured commercial loans consistent with the classification

of the FR Y9C report.

b. Renewal of Existing Accounts $599 $864 $254 Includes renewed funded loans and renewed commitments.

c. New Commitments $115 $173 $138 Includes new commitments both funded and unfunded

4. Small Business Loans3

a. Average Total Loan Balance $4,921 $4,870 $4,807 Small business loans are those classified as small business under standards established by Fifth

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

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

New C&I commi

September 2010New CRE comm

2010. Renewal 

million in Septem

Small Business c

September 2010

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

2

b. Originations $352 $441 $319SCHEDULE D: OTHER INTERMEDIATION ACTIVITIES (Millions $)

1. MBS/ABS Net Purchased Volume

a. Mortgage Backed Securities $471 ‐$52 $299 Consists of MBS purchases less sales for the month.

b. Asset Backed Securities $0 $200 $25 Consists of ABS purchases less sales for the month.

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

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

b. Average Total Debit Balances2 NA NA NA3. Underwriting

a. Total Equity Underwriting NA NA NA

b. Total Debt Underwriting $1,150 $1,594 $758

ABS auto purcha

purchases were 

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):  October 2010   

Submission date:  November 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 3.2% in October 2010 compared to September

2010.  New CRE commitments originated in October 2010 were $138 million, compared to $173 million

in September 2010.  Renewal levels for existing accounts decreased in October 2010 to $254 million

compared to $864 million in September 2010.  Payments, dispositions, and the impact of movement of

certain CRE loans to held‐for‐sale status at the end of September outpaced the volume of renewals and

new originations in October causing the overall average balances to continue to decline.  As commercial

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

suspend lending on most new non‐owner occupied properties and on new homebuilder and developer

projects in order to manage existing portfolio positions.  We feel this is prudent given that we do not

believe added exposure in those sectors is warranted given our expectation for continued elevated loss

trends in the performance of those portfolios.

C&I:  Average C&I balances increased by approximately 1.0% in October 2010 compared to September

2010.  New C&I commitments originated in October 2010 decreased to $1.46 billion compared to $1.64

billion in September 2010.  Renewal levels for existing accounts in October 2010 decreased to $1.60

billion compared to $2.99 billion in September 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 last

several 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):  October 2010   

Submission date:  November 30, 2010

Person to be contacted regarding this report: Blane Scarberry

2

Small Business:  Average Small Business balances decreased by approximately 1.3% in October 2010

compared to September 2010.  Small Business commitments originated in October 2010 decreased to

$319 million compared to $441 million in September 2010.  Demand for Small Business credit has been

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

originations continue to be made using prudent underwriting standards.     

Overall, average total commercial loan and lease balances were down 0.5% in October 2010 compared

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

from borrowers.  The CRE related credit actions taken in September more than offset new originations

in C&I regarding impact on the average balances in the month of October 2010.

Consumer section

Consumer:  October new credit card extensions were $119 million, an increase over our $116 million of

extensions in September.  Other consumer loan originations, which include new car loans, were $445

million in October.  This was a decrease of approximately $79 million from September.   

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

auto) was down compared to September 2010 given the decrease in auto demand.

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

for the month remained flat and totaled approximately $2.3 billion driven by $1.9 billion of refinancing

activity.  New home purchased decreased $31 million from the previous month totaling $406 million for

October.   We also extended $106 million of home equity lines of credit during the month, an increase of

$15 million over September.

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

2010.   

Treasury section

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

CMO’s and the allocation of additional short‐term balance sheet liquidity into ABS auto securities.  For

the month, ABS auto purchases totaled $25 million, Agency CMO net purchases totaled $102 million,

and Agency MBS net purchases totaled $197 million.
Name of institution: KeyCorp Submission date: 11/30/10 Person to be c

PART I. QUANTITATIVE OVERVIEW

SCHEDULE A: CONSUMER LENDING (Millions $) AUG SEP OCT Key 1. First Mortgagea. Average Loan Balance (Daily Average Total Outstanding) $3,008 $2,998 $3,002 First Mortgage includes loans secured by 1‐4 family residential properties including home equity

loans secured by first liens.

b. Total Originations $177 $184 $202 Total Originations include both portfolio and held‐for‐sale loan originations.

(1) Refinancings $118 $127 $155(2) New Home Purchases $59 $57 $47

2. Home Equity

a. Average Total Loan Balance $8,253 $8,237 $8,211 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) $71 $68 $68

TREASURY MONTHLY INTERMEDIATION SNAPSHOT

October applicat

October applicat

2010

1

c. Total Used and Unused Commitments $16,056 $15,973 $15,905

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 $9,644 $9,608 $9,563 Other Consumer includes all other non‐revolving consumer loans.

b. Originations $10 $16 $13

October applicat

slightly over 5%.

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

1. C & Ia. Average Total Loan and Lease Balance $23,620 $23,500 $23,264 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 $1,059 $919 $1,081 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 $838 $789 $1,086 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 $13,244 $13,066 $12,567 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 $302 $160 $103 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 $42 $170 $58 New commitments include outstanding balances and unused commitments. Commitment

amounts exclude standby letters of credit.

4. Small Business Loans3

a. Average Total Loan Balance $3,019 $2,993 $2,956 Small Business includes loans guaranteed by the Small Business Administration ("SBA") and other

loans internally classified as small business loans.

Renewal volume 

in the Real Estat

Middle Market s

and are more co

In September, Ke

loan approvals d

equal to the 201

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

C & I new money 

The highest new 

segments.

2

b. Originations $43 $48 $66SCHEDULE D: OTHER INTERMEDIATION ACTIVITIES (Millions $)

1. MBS/ABS Net Purchased Volume

a. Mortgage Backed Securities $998 ‐$105 ‐$46 October mortgage backed securities ("MBS") net purchased volume includes $500 million in

purchases and $546 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 $150 $136 $28 Represents KeyCorp's equity underwriting commitments.

b. Total Debt Underwriting $591 $747 $349 Represents KeyCorp's taxable and municipal debt underwriting commitments.

KeyCorp was the 

to five deals tota

million in underw

Municipal debt u

The October pur

slightly less than 

overall balance s

q 

remain strong. R

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):  October 2010

Submission date:  11/30/10

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’s overall credit demand in October was down from September’s year‐to‐day high level.  Credit

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

Middle Market segments.  Commercial Real Estate (“CRE”) originations declined from September’s year‐

to‐date high level and returned to levels comparable to those experienced during the first half of the

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

rate environment.

Consumer

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

ago levels, in part due to a continued low interest rate environment.  Overall consumer lending activities

continue to point to a slow, volatile recovery for Consumer credit.

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

C & I

C & I approval volume was strong in October.  During 2010, October loan activity represented the month

with the second highest approval volume to new and existing clients in both the Institutional Bank ($390

million) and Middle Market ($262 million) segments and the month with the fifth highest approval

volume in the Leasing ($234 million) segment.
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:  KeyCorp

Reporting month(s):  October 2010

Submission date:  11/30/10

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

2

Commercial Real Estate

CRE origination volume was well below the strong September level.  Middle Market, Community

Development and Business Banking segment activity was steady.  Fluctuations in KeyCorp’s Real Estate

Capital segment’s origination volume reflect the continuing oversupply of virtually all property types

nationwide, resulting in a low demand for construction financing.  Overall, CRE balances continue to

decline as principal repayments exceed new borrowings.

Small Business

September’s new loan approval volume represented the highest volume since July 2008.  In October,

new loan approvals declined 26% from the September level.  New dollar approvals in October, however,

equaled the year‐to‐date monthly average.  Based on statistics provided by the U.S. government for the

fiscal year ended September 30, 2010, Key’s ranking in SBA loan approvals improved to 14th, compared

to 15th for the fiscal year ended September 30, 2009.  This marks the tenth consecutive year KeyCorp

has been a top thirty SBA 7a lender.

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 October, the size of KeyCorp’s investment

portfolio slightly decreased, as purchases of $500 million of collateralized mortgage obligations issued

by government‐sponsored entities were offset by $546 million in paydowns and maturities.
Name of institution: Marshall & Ilsley Corporation Submission date: 11/30/10 

PART I. QUANTITATIVE OVERVIEW

2010

SCHEDULE A: CONSUMER LENDING (Millions $) AUG SEP OCT Key 1. First Mortgagea. Average Loan Balance (Daily Average Total Outstanding) $6,416 $6,379 $6,347 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 $225 $280 $305 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 $166 $218 $250

(2) New Home Purchases $59 $62 $55

2. Home Equity

a. Average Total Loan Balance $2,600 $2,587 $2,565 Includes Home Equity Lines only.

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

TREASURY MONTHLY INTERMEDIATION SNAPSHOT

c. Total Used and Unused Commitments $4,701 $4,665 $4,625

3. US Card ‐ Managed

a. Average Total Loan Balance ‐ Managed $278 $279 $275 Includes Consumer Card only.

b. New Account Originations (Initial Line Amt) $9 $10 $10c. Total Used and Unused Commitments $1,310 $1,319 $1,326

4. Other Consumer

a. Average Total Loan Balance $1,895 $1,879 $1,885 Includes consumer PRA & LOCs. Subcategories include Auto Leases, Dealer Finance, Personal

Securities Loans, and Student Loans.

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

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

1. C & Ia. Average Total Loan and Lease Balance $12,067 $12,006 $11,906 Includes A/R and Inventory, Dealer Commercial, Agricultural, IRB's and Muni, and Commercia

Leases.

b. Renewal of Existing Accounts $86 $239 $131 Renewals include renewal of existing accounts where new money is requested, terms are

modified, or new master line is established.

c. New Commitments $56 $70 $67 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 $17,349 $17,023 $16,589 Includes Business Purpose 1‐4 and Construction, Development, & Vacant Land (Commercial a

Residential).

b. Renewal of Existing Accounts $42 $22 $32 Renewals include renewal of existing accounts where new money is requested, terms are

modified, or new master line is established.

c. New Commitments $39 $76 $14 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 $3,170 $3,125 $3,124 Includes SBA‐guaranteed loans and Business Loans & Commitments < $1 million to customers 

Revenue < $1 million. Excludes Letters of Credit.

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

b. Originations $14 $16 $14SCHEDULE D: OTHER INTERMEDIATION ACTIVITIES (Millions $)

1. MBS/ABS Net Purchased Volume

a. Mortgage Backed Securities ‐$985 $1 ‐$43 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):  October 2010   

Submission date:  11/30/2010

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 $425 million of new credit to

new and existing customers in October for a total of over $9.8 billion since the infusion of CPP capital in

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

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

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

October and over $700 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 September to October driven primarily by
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:  Marshall & Ilsley Corporation

Reporting month(s):  October 2010   

Submission date:  11/30/2010

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: November 30, 2010 

PART I. QUANTITATIVE OVERVIEW

SCHEDULE A: CONSUMER LENDING (Millions $)

1. First Mortgage Aug Sep Oct Key 

a. Average Loan Balance (Daily Average Total Outstanding) $16,534 $16,758 $16,857 First and second residential 1‐4 family mortgages, including residential mortgages held 

b. Total Originations $835 $911 $881 Loan originations designated for the secondary market and those to be held in portfoli

Regions' balance sheet.

(1) Refinancings $576 $656 $659 Total originations designated as refinance status.

(2) New Home Purchases $259 $255 $222 Total originations designated as new purchase status.

2. Home Equity

a. Average Total Loan Balance $14,687 $14,586 $14,489 Average balances include Home Equity loans and HELOCs.b O i i ti (N Li Li I ) $110 $117 $103 N H E it l li d i

2010

TREASURY MONTHLY INTERMEDIATION SNAPSH

b. Originations (New Lines+Line Increases) $110 $117 $103 New Home Equity loans, lines and increases.

c. Total Used and Unused Commitments $24,070 $23,889 $23,702 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 $3,022 $2,909 $2,836 Includes consumer direct, indirect, other revolving (i.e., overdraft lines) and student loa

for sale.

b. Originations $61 $62 $51 Includes direct and student lending origination activity.

1
SCHEDULE B: COMMERCIAL LENDING (Millions $)

1. C & I Aug Sep Oct Key 

a. Average Total Loan and Lease Balance $33,777 $33,893 $33,995 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 $2,166 $1,796 $2,032 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 $1,051 $1,103 $1,409 New funded and unfunded commitments for commercial and owner‐occupied real estate related 

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

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

2. Commercial Real Estatea. Average Total Loan and Lease Balance $18,810 $18,463 $17,640 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 $1,011 $1,149 $933 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 $29 $40 $71 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 $13,098 $13,148 $13,044 Average outstanding funded balances (net of deferred fees and costs) for commercial and commercial real esta

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

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

b. Originations $691 $644 $581 New and renewed production of funded and unfunded commitments made to small bu

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

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

SCHEDULE D: OTHER INTERMEDIATION ACTIVITIES (Millions $)

1. MBS/ABS Net Purchased Volume

a. Mortgage Backed Securities $772 $264 $1,487 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 $37 $0 Net purchase volume as captured in bond accounting system. Reflects settlement date

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

2. Secured Lending (Repo, PB, Margin Lending)a. Average Total Matched Book (Repo/Reverse Repo)1 N/A N/A N/A

b. Average Total Debit Balances2 $1,041 $1,008 $1,041 Reflects average margin receivables as recorded on the general ledger.

3. Underwriting

Ttl E it U d iti $67 $74 $39 Ttl it d iti ti it R t Ri ' ti i ti t 

a. Total Equity Underwriting $67 $74 $39 Total equity underwriting activity. Represents Regions' participation percentage.

b. Total Debt Underwriting $1,187 $1,378 $1,212 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):    October 2010    

Submission date:  November 30, 2010

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

1

PART II.  QUALITATIVE OVERVIEW

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

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

standards and terms, and any other intermediation activity.

I. Company Description

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

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

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

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

and other specialty financing.  At September 30, 2010, Regions had total consolidated assets of

approximately $133 billion.   

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

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

business through Regions Insurance Group, Inc.

II. Overall Summary  

In October, new and renewed commitments increased by $0.3 billion to $5.5 billion for the month, and

average balances were down $0.8 billion from September to $85.8 billion.

The month over month increase in new and renewed commitments was driven primarily by a $0.3

billion increase in C&I new commitments.

III. Consumer Lending

A. Mortgage Lending

The mortgage division originated mortgage loans totaling $881 million in October 2010.  Overall,

production decreased 3.4% from the prior month.  New purchase originations decreased 13% from prior

month, and refinancing activity increased 0.4% from the prior month.  Application activity in October

decreased 10% 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%.  October originations included

approximately $127.7 million related to 771 loans refinanced under the Home Affordable Refinance

Program.

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

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

Name of institution: Regions Financial Corporation

Reporting month(s):    October 2010    

Submission date:  November 30, 2010

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

2

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

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

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

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

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

mortgage than their home is worth because their local markets saw large declines in home values.  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 1,920

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 October, Regions completed 65

modifications totaling $10.7 million in unpaid principal.  Regions currently services approximately $24.2

billion of Fannie Mae and Freddie Mac mortgages.  

B. Home Equity Lending

Home Equity production decreased 11.9% in October to $102.7MM from prior month but increased 19%

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

mailed in August, expiring October 15, 2010. Effective October 1, 2010, Regions introduced a new

Regions Right Solution (RRS) product for customers who seek a small dollar, short‐term, fixed rate home

equity loan. 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 $97.1MM or 0.7% in October to $14.5B. The HELOAN

portfolio declined $26.9MM, 1.7%, while HELOC balances declined $70.2MM or 0.5%. Portfolio run‐off

continues as payoffs/paydowns outpace production. 

C. Other Consumer Lending

Direct Lending and Other Revolving production decreased 14.6% in October to $40.6MM from prior

month but increased 8% versus same period prior year as consumers are choosing to match their debt

instrument to their collateral.  To improve production approximately 114,000 pre‐approved

Auto/Unsecured Line of Credit offers were mailed to existing customers in August, expiring October 15,

2010. Effective late September, Regions expanded its lending focus to meet the needs of customers that

do not qualify for traditional credit products but are NOT considered subprime borrowers. We will help

these “non‐prime” customers build positive credit history and transition to prime products, when

possible, while building loyalty to Regions. The expanded lending focus applies to Direct Unsecured,

Direct Auto and HELOC products and will be phased in with all markets receiving all products by the end

of 2010.  In addition, we continue to gain momentum from the point of sale preapproved

Auto/Unsecured offers at DDA account opening.

Overall, Other Consumer Lending balances decreased 2.5% to $2.8 billion in October compared to

September primarily driven by the continued run‐off in the Indirect Lending portfolio and routine
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution: Regions Financial Corporation

Reporting month(s):    October 2010    

Submission date:  November 30, 2010

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

3

student loan sales, however, slightly offset by the re‐entry of Indirect Lending that produced $5.7MM in

production during the month of October.

D. Customer Assistance Program

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

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

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

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

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

to work with them.

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

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

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

the foreclosure process is less than half the national average. (2.05% for Regions vs. 4.57% nationally in

the second quarter of 2010.)  Since inception of the program, Regions has restructured more than $2.5

billion in mortgages, including $28 million in October 2010. Regions has assisted more than 32,000

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 1,920 trial period modifications for $293 million, and of those, 1,233 have been completed for

$188 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 $102 million in October as

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

compared to September.   

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

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

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

commercial market has outperformed the general middle market.

  

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

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

Mortgage outstanding loan balances and production.   
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution: Regions Financial Corporation

Reporting month(s):    October 2010    

Submission date:  November 30, 2010

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

4

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 October as compared to September.

B.  Commercial Real Estate Lending

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

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

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

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

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

In October, 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 October

totaled $1,487 million, which consists of Agency Fixed‐Rate Mortgage‐Backed Products.

VI. Equity and Debt Activities at Morgan Keegan

The Equity Capital Markets are watching the $10 billion General Motors IPO scheduled to price

November 17, 2010.  Morgan Keegan is not involved in the offering. Vera Bradley (VRA) was the hottest

issue in October, pricing at $16 and currently trading at $30.  As the IPO market becomes stronger,

relationships with financial sponsors will continue to grow in importance with the sponsor being the key

in the selection of managers to handle, market, and process the offering.  Morgan Keegan was involved

in six transactions, three as co‐manager or joint lead, two as underwriter and one as a selling group

member.  The November transaction calendar for Morgan Keegan looks stronger with overnight activity

picking up.  As expected, the Morgan Keegan Debt underwriting department saw par amounts rise

significantly in October.  Volumes are expected to be high thru the end of the year.
Name of institution: SunTrust Banks, Inc. Submission date: 11/29/10 Pe

PART I. QUANTITATIVE OVERVIEW

SCHEDULE A: CONSUMER LENDING (Millions $) AUG SEP OCT Key 1. First Mortgagea. Average Loan Balance (Daily Average Total Outstanding) $32,079 $32,656 $32,805 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 $2,839 $2,776 $2,821 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 $1,899 $2,016 $2,179(2) New Home Purchases $940 $760 $643

2. Home Equity

a. Average Total Loan Balance $16,769 $16,700 $16,623 Average balance, originations, and commitments include both Home Equity Lines and Home Equity

Loans.

b. Originations (New Lines+Line Increases) $106 $139 $147

O

du

mAv

co

2010

TREASURY MONTHLY INTERMEDIATION SNAPSHOT

1

c. Total Used and Unused Commitments $31,386 $31,096 $30,838

3. US Card ‐ Managed

a. Average Total Loan Balance ‐ Managed $1,036 $1,057 $1,059 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) $14 $16 $17 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 $3,782 $3,759 $3,736 This is the line commitment total for all credit card accounts of record.

4. Other Consumer

a. Average Total Loan Balance $14,075 $14,316 $14,870 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 $656 $652 $592

O

Se

Av

th

9% 

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

1. C & Ia. Average Total Loan and Lease Balance $33,540 $33,759 $33,751 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 $1,350 $1,190 $1,059 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 $1,151 $1,492 $1,832 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 $19,175 $18,971 $18,890 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 $273 $174 $231 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 $156 $270 $150 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 $4,944 $4,909 $4,777 Average balances and originations include loans originated in the business banking group which

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

of $5 million or less.

Co

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Th

Se

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

Av

co

to 

2

of $5 million or less.

b. Originations $51 $39 $35SCHEDULE D: OTHER INTERMEDIATION ACTIVITIES (Millions $)

1. MBS/ABS Net Purchased Volume

a. Mortgage Backed Securities $1,511 $992 ‐$2,201 The numbers represent net purchase volume within the reporting period. These securities are

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

b. Asset Backed Securities $0 $0 $0 The numbers represent net purchase volume within the reporting period. These figures include

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

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

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

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

service provider and does not hold customer accounts.

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

accounts.

3. Underwriting

a. Total Equity Underwriting $16 $21 $84 Includes total dollars allocated to STRH in equity underwriting transactions that settled within the

reporting period.

b. Total Debt Underwriting $456 $732 $604 Includes total dollars allocated to STRH in investment grade fixed income, high yield fixed income,

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

To

un

tr

In 

th

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

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

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

2
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:  SunTrust Banks, Inc.

Reporting month(s):  October 2010   

Submission date: 11/29/10

Person to be contacted regarding this report:  Craig Smith

1

PART II.  QUALITATIVE OVERVIEW

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

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

standards and terms, and any other intermediation activity.

SunTrust Banks, Inc., with total assets of $174.7 billion on September 30, 2010, is one of the nation’s

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

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

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

capital market services.  SunTrust operates 1,670 retail branches in Alabama, Arkansas, Florida, Georgia,

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

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

Average loans in October, including loans held for sale, totaled $118 billion, up $539 million, or 0.5%,

from September.  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 October totaled $6.8 billion, an increase of

1.8% from September.  

Consumer Lending

Mortgage originations totaled $2.8 billion during October, representing a 2% increase from September.  

Mortgage refinancings increased in October by 8%, whereas loans funded for new home purchases

decreased in October by 15% relative to September.   The availability of low market rates drove the

increase in refinancings in October.  Total average mortgage balances increased by $149 million during

October.

Home equity borrowings continued recent trends as both total commitments and average outstanding

balances declined fractionally.   During October, total used and unused commitments decreased $258

million and average funded balances decreased $77 million.   Both changes represent decreases of less

than 1% in comparison to September.  Total equity loan and line originations in October increased 6% to

$147 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 October, new credit card

originations totaled $17 million, with $10 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 $554 million, or 4%, compared to September due to the

consolidation of a previously off‐balance‐sheet student loan trust at the end of September.   October

fundings for indirect auto, student, and other consumer loans decreased 9% from October, primarily

due to a decline in indirect auto loan originations of $42 million, or 10%, compared to September.  
TREASURY MONTHLY INTERMEDIATION SNAPSHOT

Name of institution:  SunTrust Banks, Inc.

Reporting month(s):  October 2010   

Submission date: 11/29/10

Person to be contacted regarding this report:  Craig Smith

2

Commercial Lending

Average C&I loan balances in October were relatively flat compared to September averages.  Total

Commercial Lending originations and renewals were $2.9 billion in October, an 8% increase over

September.  Renewals of existing credit facilities and stand‐alone notes totaled $1.1 billion in October, a

decrease of 11% from September.  In contrast, combined new commitments and new funded loans

increased in October by $340 million, a 23% increase compared to September.  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 $81 million, or 0.4%, compared to the September

average.   The majority of the decline was due to 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 October, Commercial Real

Estate renewals of existing accounts increased $57 million, or 33%, while total Commercial Real Estate

new commitments decreased $120 million, or 44%, compared to September.  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 October, the average loan balance was $4.8 billion, down 3%

from September.  October originations totaled $35 million, a decrease of $4 million, or 10%, compared

to September.

Other Intermediation Activities

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

activities.  In October, SunTrust sold $2.2 billion of U. S. government and agency issued mortgage‐

backed securities from the available for sale portfolio related to repositioning the investment portfolio.  

SunTrust participated in twenty‐five debt issues in October with a total notional value of $10.1 billion.  

SunTrust’s allocation of underwritten debt included $182 million in investment‐grade fixed‐income

issues, $259 million in municipal debt issues and $163 million in high‐yield debt issues, which in the

aggregate was $128 million below September totals.

In October, SunTrust participated in two equity offerings with a total notional value of $339 million, of

which our allocation was $84 million.