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/FIRST AND FINAL ADD -- NYTU079 -- SunTrust Banks, Inc. Earnings/

PRNewswire
Oct 17, 2006

  SunTrust Banks, Inc. and Subsidiaries
  QUARTER-TO-QUARTER COMPARISON - ACTUAL
  APPENDIX B TO THE EARNINGS RELEASE (UNAUDITED)

                                         Three Months Ended
                                                                  Sequential
                                                                  Annualized
                       September 30  June 30  Increase/(Decrease)    (3) %
                           2006        2006      Amount     %

  STATEMENTS OF INCOME
   (Dollars in thousands)

  NET INTEREST INCOME   $1,151,392  $1,168,743  ($17,351)   (1.5)%   (5.9)%

  Provision for loan
   losses                   61,568      51,759     9,809    19.0     75.8
  NET INTEREST INCOME
   AFTER PROVISION
   FOR LOAN LOSSES       1,089,824   1,116,984   (27,160)   (2.4)    (9.7)

  NONINTEREST INCOME

  Service charges on
   deposit accounts        194,262     191,645     2,617     1.4      5.5
  Trust and investment
   management income       173,717     175,811    (2,094)   (1.2)    (4.8)
  Retail investment
   services                 55,544      58,441    (2,897)   (5.0)   (19.8)
  Other charges and
   fees                    113,347     113,948      (601)   (0.5)    (2.1)
  Investment banking
   income                   47,046      60,481   (13,435)  (22.2)   (88.9)
  Trading account
   profits and
   commissions              20,404      46,182   (25,778)  (55.8)      NM
  Card fees                 64,916      61,941     2,975     4.8     19.2
  Mortgage production
   related income           50,336      56,579    (6,243)  (11.0)   (44.1)
  Mortgage servicing
   related income           36,633      31,401     5,232    16.7     66.6
  Other noninterest
   income                   81,783      73,082     8,701    11.9     47.6
     Noninterest income
      before net
      securities
      gains/(losses),
      net gain on sale
      of RCM assets
      and net gain on
      sale of Bond
       Trustee
        business (1)       837,988     869,511   (31,523)   (3.6)   (14.5)
  Net gain on sale of
   RCM assets                    -           -         -       -        -
  Net gain on sale of
   Bond Trustee
   business                112,759           -   112,759   100.0       NM
     Noninterest income
      before net
      securities
      gains/(losses) (1)   950,747     869,511    81,236     9.3     37.4
  Securities
   gains/(losses), net     (91,816)      5,858   (97,674)     NM       NM
       Total
        noninterest
        income             858,931     875,369   (16,438)   (1.9)    (7.5)

  NONINTEREST EXPENSE

  Employee compensation
   and benefits            674,322     689,073   (14,751)   (2.1)    (8.6)
  Net occupancy expense     85,613      81,710     3,903     4.8     19.1
  Outside processing
   and software             98,699      98,447       252     0.3      1.0
  Equipment expense         50,249      48,107     2,142     4.5     17.8
  Marketing and
   customer development     35,932      49,378   (13,446)  (27.2)      NM
  Other noninterest
   expense                 234,892     221,493    13,399     6.0     24.2
     Noninterest
      expense before
      Affordable
      Housing
      impairment
      charge,
      amortization of
      intangible
      assets and
      merger expense (2) 1,179,707   1,188,208    (8,501)   (0.7)    (2.9)
  Impairment charge on
   Affordable Housing
   Properties                    -           -         -       -        -
  Amortization of
   intangible assets        25,792      25,885       (93)   (0.4)    (1.4)
  Merger expense                 -           -       -         -        -
       Total
        noninterest
        expense          1,205,499   1,214,093    (8,594)   (0.7)    (2.8)

  INCOME BEFORE INCOME
   TAXES                   743,256     778,260   (35,004)   (4.5)   (18.0)
  Provision for income
   taxes                   207,668     234,258   (26,590)  (11.4)   (45.4)
  NET INCOME               535,588     544,002    (8,414)   (1.5)    (6.2)
  Merger expense, net
   of tax                        -           -         -       -        -
  NET INCOME EXCLUDING
   MERGER EXPENSE (1)      535,588     544,002    (8,414)   (1.5)    (6.2)
  Net gain on sale of
   RCM assets, net of
   tax                           -           -         -       -        -
  Net securities
   (gains)/losses, net
   of tax                   56,926      (3,632)   60,558      NM       NM
  Net gain on sale of
   Bond Trustee
   business, net of tax    (69,911)          -   (69,911) (100.0)      NM
  NET INCOME EXCLUDING
   MERGER EXPENSE, NET
   GAIN ON SALE OF RCM
   ASSETS, SECURITIES
   (GAINS)/LOSSES AND
   NET GAIN ON SALE
   OF BOND TRUSTEE
   BUSINESS (1)           $522,603    $540,370  ($17,767)   (3.3)%  (13.2)%

  REVENUE (Dollars in
   thousands)

  Net interest income   $1,151,392  $1,168,743  ($17,351)   (1.5)%   (5.9)%
  Taxable-equivalent
   adjustment               22,468      21,283     1,185     5.6     22.3
  Net interest income -
   FTE                   1,173,860   1,190,026   (16,166)   (1.4)    (5.4)
  Noninterest income       858,931     875,369   (16,438)   (1.9)    (7.5)
  Total revenue - FTE    2,032,791   2,065,395   (32,604)   (1.6)    (6.3)
  Net securities
   (gains)/losses           91,816      (5,858)   97,674      NM       NM
  Net gain on sale of
   RCM assets                    -           -         -       -        -
  Net gain on sale of
   Bond Trustee
   business               (112,759)          -  (112,759) (100.0)      NM
  Total revenue - FTE
   excluding securities
   (gains)/losses, net
   gain on sale
   of RCM assets and
   net gain on sale
   of Bond Trustee
   business             $2,011,848  $2,059,537  ($47,689)   (2.3)%   (9.3)%

  SELECTED AVERAGE
   BALANCES (Dollars in
   millions)

  Average loans
  Commercial - FTE         $34,307     $33,993      $314     0.9 %    3.7 %
  Real estate home
   equity lines             13,626      13,517       109     0.8      3.2
  Real estate
   construction             12,806      12,181       625     5.1     20.5
  Real estate 1-4
   family                   33,876      34,348      (472)   (1.4)    (5.5)
  Real estate
   commercial               12,808      12,841       (33)   (0.3)    (1.0)
  Business credit card         324         307        17     5.5     22.1
  Consumer - direct          4,207       4,251       (44)   (1.0)    (4.1)
  Consumer - indirect        8,339       8,386       (47)   (0.6)    (2.2)
  Nonaccrual and
   restructured                449         321       128    39.9       NM
       Total loans        $120,742    $120,145      $597     0.5 %    2.0 %

  Average deposits
  Noninterest bearing
   deposits                $22,934     $23,858     ($924)   (3.9)%  (15.5)%
  NOW accounts              16,596      16,811      (215)   (1.3)    (5.1)
  Money market accounts     24,267      25,091      (824)   (3.3)   (13.1)
  Savings                    5,591       5,161       430     8.3     33.3
  Consumer and other
   time                     28,255      26,251     2,004     7.6     30.5
     Total consumer and
      commercial
      deposits              97,643      97,172       471     0.5      1.9
  Brokered and foreign
   deposits                 27,958      27,194       764     2.8     11.2
       Total deposits     $125,601    $124,366    $1,235     1.0 %    4.0 %

  SELECTED CREDIT DATA
   (Dollars in
   thousands)

  Nonaccrual loans        $556,489    $298,970  $257,519    86.1 %     NM %
  Restructured loans        28,934      28,292       642     2.3      9.1
     Total
      nonperforming
      loans                585,423     327,262   258,161    78.9       NM
  Other real estate
   owned (OREO)             41,690      35,576     6,114    17.2     68.7
  Other repossessed
   assets                    6,670       6,953      (283)   (4.1)   (16.3)
       Total
        nonperforming
        assets            $633,783    $369,791  $263,992    71.4 %     NM %

  Allowance for loan
   and lease losses     $1,087,316  $1,061,862   $25,454     2.4 %    9.6 %


                                         Three Months Ended

                                                         Increase/(Decrease)
                                September 30 September 30  Amount     %
                                    2006         2005

  STATEMENTS OF INCOME
   (Dollars in thousands)

  NET INTEREST INCOME            $1,151,392  $1,156,661   ($5,269)   (0.5)%

  Provision for loan losses          61,568      70,393    (8,825)  (12.5)
  NET INTEREST INCOME AFTER
   PROVISION
     FOR LOAN LOSSES              1,089,824   1,086,268     3,556     0.3

  NONINTEREST INCOME

  Service charges on deposit
   accounts                         194,262     198,348    (4,086)   (2.1)
  Trust and investment
   management income                173,717     168,802     4,915     2.9
  Retail investment services         55,544      52,257     3,287     6.3
  Other charges and fees            113,347     117,341    (3,994)   (3.4)
  Investment banking income          47,046      53,090    (6,044)  (11.4)
  Trading account profits and
   commissions                       20,404      41,837   (21,433)  (51.2)
  Card fees                          64,916      52,924    11,992    22.7
  Mortgage production related
   income                            50,336      65,833   (15,497)  (23.5)
  Mortgage servicing related
   income                            36,633       5,242    31,391      NM
  Other noninterest income           81,783      75,285     6,498     8.6
     Noninterest income before
      net securities
      gains/(losses),
      net gain on sale of RCM
      assets and net gain on
      sale of Bond
      Trustee business (1)          837,988     830,959     7,029     0.8
  Net gain on sale of RCM assets          -       3,508    (3,508) (100.0)
  Net gain on sale of Bond
   Trustee business                 112,759           -   112,759   100.0
     Noninterest income before
      net securities
      gains/(losses) (1)            950,747     834,467   116,280    13.9
  Securities gains/(losses), net    (91,816)     (2,069)  (89,747)     NM
       Total noninterest income     858,931     832,398    26,533     3.2

  NONINTEREST EXPENSE

  Employee compensation and
   benefits                         674,322     632,333    41,989     6.6
  Net occupancy expense              85,613      79,519     6,094     7.7
  Outside processing and
   software                          98,699      92,952     5,747     6.2
  Equipment expense                  50,249      50,083       166     0.3
  Marketing and customer
   development                       35,932      38,651    (2,719)   (7.0)
  Other noninterest expense         234,892     216,020    18,872     8.7
     Noninterest expense before
      Affordable Housing
      impairment charge,
      amortization of
      intangible assets and
      merger expense (2)          1,179,707   1,109,558    70,149     6.3
  Impairment charge on
   Affordable Housing Properties          -      25,672   (25,672) (100.0)
  Amortization of intangible
   assets                            25,792      29,737    (3,945)  (13.3)
  Merger expense                          -      12,104   (12,104) (100.0)
       Total noninterest expense  1,205,499   1,177,071    28,428     2.4

  INCOME BEFORE INCOME TAXES        743,256     741,595     1,661     0.2
  Provision for income taxes        207,668     230,821   (23,153)  (10.0)
  NET INCOME                        535,588     510,774    24,814     4.9
  Merger expense, net of tax              -       7,505    (7,505) (100.0)
  NET INCOME EXCLUDING MERGER
   EXPENSE (1)                      535,588     518,279    17,309     3.3
  Net gain on sale of RCM
   assets, net of tax                     -      (2,175)    2,175  (100.0)
  Net securities (gains)/losses,
   net of tax                        56,926       1,283    55,643      NM
  Net gain on sale of Bond
   Trustee business, net of tax     (69,911)          -   (69,911) (100.0)
  NET INCOME EXCLUDING MERGER
   EXPENSE, NET GAIN ON
   SALE OF RCM ASSETS,
   SECURITIES (GAINS)/LOSSES AND
   NET GAIN ON SALE OF BOND
   TRUSTEE BUSINESS (1)            $522,603    $517,387    $5,216     1.0 %

  REVENUE (Dollars in thousands)

  Net interest income            $1,151,392  $1,156,661   ($5,269)   (0.5)%
  Taxable-equivalent adjustment      22,468      19,081     3,387    17.8
  Net interest income - FTE       1,173,860   1,175,742    (1,882)   (0.2)
  Noninterest income                858,931     832,398    26,533     3.2
  Total revenue - FTE             2,032,791   2,008,140    24,651     1.2
  Net securities (gains)/losses      91,816       2,069    89,747      NM
  Net gain on sale of RCM assets          -      (3,508)    3,508  (100.0)
  Net gain on sale of Bond
   Trustee business                (112,759)        -    (112,759) (100.0)
  Total revenue - FTE excluding
   securities (gains)/losses,
   net gain on sale
    of RCM assets and net gain
    on sale of Bond Trustee
    business                     $2,011,848  $2,006,701    $5,147     0.3 %

  SELECTED AVERAGE BALANCES
   (Dollars in millions)

  Average loans
  Commercial - FTE                  $34,307     $32,602    $1,705     5.2 %
  Real estate home equity lines      13,626      12,648       978     7.7
  Real estate construction           12,806       9,516     3,290    34.6
  Real estate 1-4 family             33,876      28,250     5,626    19.9
  Real estate commercial             12,808      12,872       (64)   (0.5)
  Business credit card                  324         223       101    45.3
  Consumer - direct                   4,207       5,173      (966)  (18.7)
  Consumer - indirect                 8,339       9,180      (841)   (9.2)
  Nonaccrual and restructured           449         354        95    26.8
       Total loans                 $120,742    $110,818    $9,924     9.0 %

  Average deposits
  Noninterest bearing deposits      $22,934     $24,522   ($1,588)   (6.5)%
  NOW accounts                       16,596      16,853      (257)   (1.5)
  Money market accounts              24,267      26,300    (2,033)   (7.7)
  Savings                             5,591       5,865      (274)   (4.7)
  Consumer and other time            28,255      20,536     7,719    37.6
     Total consumer and
      commercial deposits            97,643      94,076     3,567     3.8
  Brokered and foreign deposits      27,958      17,969     9,989    55.6
       Total deposits              $125,601    $112,045   $13,556    12.1 %

  SELECTED CREDIT DATA
   (Dollars in thousands)

  Nonaccrual loans                 $556,489    $307,788  $248,701    80.8 %
  Restructured loans                 28,934      21,876     7,058    32.3
     Total nonperforming loans      585,423     329,664   255,759    77.6
  Other real estate owned (OREO)     41,690      26,013    15,677    60.3
  Other repossessed assets            6,670       7,060      (390)   (5.5)
       Total nonperforming
        assets                     $633,783    $362,737  $271,046    74.7 %

  Allowance for loan and lease
   losses                        $1,087,316  $1,029,855   $57,461     5.6 %


  (1) SunTrust presents selected financial data on a basis that excludes
      merger expense, which represents incremental costs to integrate the
      operations of NCF. The Company believes the exclusion of merger
      expense is more reflective of normalized operations. SunTrust also
      presents noninterest income before securities gains/(losses). The
      Company believes noninterest income before securities gains/(losses)
      is more indicative of the Company's performance because it isolates
      income that is primarily customer relationship and customer
      transaction driven. SunTrust further excludes the net gain on the sale
      of RCM assets and the net gain on the sale of the Bond Trustee
      business because the Company believes the exclusion of these gains
      provides better comparability and is more indicative of normalized
      operations.
  (2) The Company presents noninterest expense before an impairment charge
      on Affordable Housing Properties, amortization of intangible assets
      and merger expense. The Company believes the exclusion of these
      measures provides better comparability and is more reflective of
      normalized operations.
  (3) Multiply percentage change by 4 to calculate sequential annualized
      change. Any sequential annualized change over 100 percent is labeled
      as "NM". Those changes over 100 percent were not considered to be
      meaningful.


  SunTrust Banks, Inc. and Subsidiaries
  YEAR-TO-DATE COMPARISON - ACTUAL
  APPENDIX B TO THE EARNINGS RELEASE, continued (UNAUDITED)

                                          Nine Months Ended
                          September 30  September 30   Increase/(Decrease)
                              2006          2005        Amount     % (1)

  STATEMENTS OF INCOME
   (Dollars in thousands)

  NET INTEREST INCOME      $3,499,176   $3,391,930     $107,246      3.2%

  Provision for loan
   losses                     146,730      128,760       17,970     14.0
  NET INTEREST INCOME
   AFTER PROVISION
   FOR LOAN LOSSES          3,352,446    3,263,170       89,276      2.7

  NONINTEREST INCOME

  Service charges on
   deposit accounts           572,092      575,727       (3,635)    (0.6)
  Trust and investment
   management income          517,617      500,820       16,797      3.4
  Retail investment
   services                   168,974      160,024        8,950      5.6
  Other charges and fees      339,677      340,974       (1,297)    (0.4)
  Investment banking
   income                     159,342      156,803        2,539      1.6
  Trading account profits
   and commissions            103,461      117,702      (14,241)   (12.1)
  Card fees                   183,460      153,091       30,369     19.8
  Mortgage production
   related income             169,952      110,068       59,884     54.4
  Mortgage servicing
   related income             112,744       28,337       84,407       NM
  Other noninterest income    231,582      197,948       33,634     17.0
     Noninterest income
      before net securities
      gains/(losses), net
      gain on sale of RCM
      assets and net gain
      on sale of Bond
      Trustee business (2)  2,558,901    2,341,494      217,407      9.3
  Gain on sale of RCM
   assets, net of related
   expenses                         -       23,382      (23,382)  (100.0)
  Gain on sale of Bond
   Trustee business, net
   of related expenses        112,759            -      112,759    100.0
     Noninterest income
      before net
      securities
      gains/(losses) (2)    2,671,660    2,364,876      306,784     13.0
  Securities gains/
   (losses), net              (85,854)      (7,755)     (78,099)      NM
       Total noninterest
        income              2,585,806    2,357,121      228,685      9.7

  NONINTEREST EXPENSE

  Employee compensation
   and benefits             2,068,360    1,890,410      177,950      9.4
  Net occupancy expense       248,367      228,853       19,514      8.5
  Outside processing and
   software                   292,038      265,082       26,956     10.2
  Equipment expense           147,804      154,544       (6,740)    (4.4)
  Marketing and customer
   development                127,956      106,578       21,378     20.1
  Other noninterest
   expense                    682,636      629,787       52,849      8.4
     Noninterest expense
      before Affordable
      Housing impairment
      charge, amortization
      of intangible
      amortization of
      intangible assets
      and merger
      expense (3)           3,567,161    3,275,254      291,907      8.9
  Impairment charge on
   Affordable Housing
   Properties                       -       25,672      (25,672)  (100.0)
  Amortization of
   intangible assets           78,922       90,772      (11,850)   (13.1)
  Merger expense                    -       92,104      (92,104)  (100.0)
       Total noninterest
        expense             3,646,083    3,483,802      162,281      4.7

  INCOME BEFORE INCOME
   TAXES                    2,292,169    2,136,489      155,680      7.3
  Provision for income
   taxes                      681,052      667,721       13,331      2.0
  NET INCOME                1,611,117    1,468,768      142,349      9.7
  Merger expense, net of
   tax                              -       57,105      (57,105)  (100.0)
  NET INCOME EXCLUDING
   MERGER EXPENSE (2)       1,611,117    1,525,873       85,244      5.6
  Net gain on sale of RCM
   assets, net of tax               -      (14,497)      14,497   (100.0)
  Net securities
   (gains)/losses, net of
   tax                         53,229        4,808       48,421       NM
  Net gain on sale of Bond
   Trustee business, net
   of tax                     (69,911)           -      (69,911)  (100.0)
  NET INCOME EXCLUDING
   MERGER EXPENSE, NET
   GAIN ON SALE OF
   RCM ASSETS, NET
   SECURITIES (GAINS)/
   LOSSES AND NET
   GAIN ON SALE OF
   BOND TRUSTEE
   BUSINESS (2)            $1,594,435   $1,516,184      $78,251      5.2%

  REVENUE (Dollars in
  thousands)

  Net interest income      $3,499,176   $3,391,930     $107,246      3.2%
  Taxable-equivalent
   adjustment                  64,089       55,467        8,622     15.5
  Net interest income -
   FTE                      3,563,265    3,447,397      115,868      3.4
  Noninterest income        2,585,806    2,357,121      228,685      9.7
  Total revenue - FTE       6,149,071    5,804,518      344,553      5.9
  Net securities
   (gains)/losses              85,854        7,755       78,099       NM
  Net gain on sale of RCM
   assets                           -      (23,382)      23,382   (100.0)
  Net gain on sale of Bond
   Trustee business          (112,759)           -     (112,759)  (100.0)
  Total revenue - FTE
   excluding net
   securities
   (gains)/losses, net
   gain on sale of RCM
   assets and net
   gain on sale of Bond
   Trustee business        $6,122,166   $5,788,891     $333,275      5.8%

  SELECTED AVERAGE
  BALANCES (Dollars in
  millions)

  Average loans
  Commercial - FTE            $33,793      $32,803         $990      3.0%
  Real estate home equity
   lines                       13,512       12,123        1,389     11.5
  Real estate construction     12,041        9,444        2,597     27.5
  Real estate 1-4 family       33,246       25,988        7,258     27.9
  Real estate commercial       12,810       11,553        1,257     10.9
  Business credit card            303          212           91     42.9
  Consumer - direct             4,577        5,776       (1,199)   (20.8)
  Consumer - indirect           8,425        8,811         (386)    (4.4)
  Nonaccrual and
   restructured                   359          318           41     12.9
       Total loans           $119,066     $107,028      $12,038     11.2%

  Average deposits
  Noninterest bearing
   deposits                   $23,560      $24,188        ($628)    (2.6)%
  NOW accounts                 16,801       17,282         (481)    (2.8)
  Money market accounts        24,990       25,519         (529)    (2.1)
  Savings                       5,349        6,605       (1,256)   (19.0)
  Consumer and other time      26,011       19,120        6,891     36.0
     Total consumer and
      commercial deposits      96,711       92,714        3,997      4.3
  Brokered and foreign
   deposits                    26,614       15,718       10,896     69.3
       Total deposits        $123,325     $108,432      $14,893     13.7%

  (1) Any change over 100 percent is labeled as "NM". Those changes over 100
      percent were not considered to be meaningful.
  (2) SunTrust presents selected financial data on a basis that excludes
      merger expense, which represents incremental costs to integrate the
      operations of NCF. The Company believes the exclusion of merger
      expense is more reflective of normalized operations. SunTrust also
      presents noninterest income before securities gains/(losses). The
      Company believes noninterest income before securities gains/(losses)
      is more indicative of the Company's performance because it isolates
      income that is primarily customer relationship and customer
      transaction driven. SunTrust further excludes the net gain on the sale
      of RCM assets and the net gain on the sale of the Bond Trustee
      business because the Company believes the exclusion of these gains
      provides better comparability and is more indicative of normalized
      operations.
  (3) The Company presents noninterest expense before an impairment charge
      on Affordable Housing Properties, amortization of intangible assets
      and merger expense. The Company believes the exclusion of these
      measures provides better comparability and is more reflective of
      normalized operations.


                                                      PRELIMINARY DATA
  Retail Line of Business
  (Dollars in thousands)
  (Unaudited)
                                               Three Months Ended
                                   September 30    September 30       %
                                       2006           2005          Change

  Statement of Income

  Net interest income                $589,126       $555,021        6.1%
  FTE adjustment                           33             22       50.0
  Net interest income - FTE           589,159        555,043        6.1
  Provision for loan losses(1)         26,452         36,446      (27.4)
  Net interest income after
   provision for loan losses -
   FTE                                562,707        518,597        8.5

  Noninterest income before
   securities gains/(losses)          271,024        264,125        2.6
  Securities gains/(losses), net            -              1     (100.0)
  Total noninterest income            271,024        264,126        2.6

  Noninterest expense before
   amortization of intangible
   assets                             514,336        487,528        5.5
  Amortization of intangible
   assets                              21,023         24,806      (15.3)
  Total noninterest expense           535,359        512,334        4.5

  Income before provision for
   income taxes                       298,372        270,389       10.3
  Provision for income taxes          108,689        100,652        8.0
  FTE adjustment                           33             22       50.0
  Net income                         $189,650       $169,715       11.7

  Total revenue - FTE                $860,183       $819,169        5.0

  Average Balance Sheet

  Total loans                     $30,832,237    $30,846,377          - %
  Goodwill                          4,900,363      4,893,689        0.1
  Other intangible assets
   excluding MSRs                     269,763        361,137      (25.3)
  Total assets                     37,246,940     37,168,837        0.2
  Total deposits                   69,659,995     65,861,216        5.8

  Shareholders' equity is not
   allocated at this time(2)

  Performance Ratios

  Efficiency ratio                      62.24%         62.54%
  Impact of excluding cost of
   intangible assets                    (6.13)         (7.06)
  Tangible efficiency ratio             56.11          55.48


                                               Nine Months Ended
                                   September 30    September 30       %
                                       2006           2005          Change

  Statement of Income

  Net interest income              $1,788,093     $1,614,641         10.7%
  FTE adjustment                           75             58         29.3
  Net interest income - FTE         1,788,168      1,614,699         10.7
  Provision for loan losses(1)         65,041         98,682        (34.1)
  Net interest income after
   provision for loan losses -
   FTE                              1,723,127      1,516,017         13.7

  Noninterest income before
   securities gains/(losses)          795,912        758,451          4.9
  Securities gains/(losses), net            -             (5)      (100.0)
  Total noninterest income            795,912        758,446          4.9

  Noninterest expense before
   amortization of intangible
   assets                           1,534,716      1,435,159          6.9
  Amortization of intangible
   assets                              64,631         76,111        (15.1)
  Total noninterest expense         1,599,347      1,511,270          5.8

  Income before provision for
   income taxes                       919,692        763,193         20.5
  Provision for income taxes          336,626        285,100         18.1
  FTE adjustment                           75             58         29.3
  Net income                         $582,991       $478,035         22.0

  Total revenue - FTE              $2,584,080     $2,373,145          8.9

  Average Balance Sheet

  Total loans                     $30,837,233    $30,122,112          2.4%
  Goodwill                          4,890,150      4,886,583          0.1
  Other intangible assets
   excluding MSRs                     291,282        385,176        (24.4)
  Total assets                     37,890,083     36,444,314          4.0
  Total deposits                   68,814,272     64,832,867          6.1

  Shareholders' equity is not
   allocated at this time(2)

  Performance Ratios

  Efficiency ratio                      61.89%         63.68%
  Impact of excluding cost of
   intangible assets                    (6.13)         (7.56)
  Tangible efficiency ratio             55.76          56.12


  (1) Provision for loan losses represents net charge-offs for the lines
      of business.
  (2) Shareholders' equity is not allocated to the lines of business at this
      time; business line performance does not include the funding benefit
      that would result from holding shareholders' equity at the line of
      business level.


                                                         PRELIMINARY DATA
  Commercial Line of Business
  (Dollars in thousands)
  (Unaudited)                                  Three Months Ended
                                   September 30   September 30        %
                                        2006           2005        Change

  Statement of Income

  Net interest income                $226,862       $219,475        3.4%
  FTE adjustment                       10,546          9,748        8.2
  Net interest income - FTE           237,408        229,223        3.6
  Provision for loan losses(1)          1,649         15,479      (89.3)
  Net interest income after
   provision for loan losses -
   FTE                                235,759        213,744       10.3

  Noninterest income before
   securities gains/(losses)           65,858         67,522       (2.5)
  Securities gains/(losses), net            -              -          -
  Total noninterest income             65,858         67,522       (2.5)

  Noninterest expense before
   amortization of intangible
   assets                             156,314        163,623       (4.5)
  Amortization of intangible
   assets                                   -              -          -
  Total noninterest expense           156,314        163,623       (4.5)

  Income before provision for
   income taxes                       145,303        117,643       23.5
  Provision for income taxes           26,066         17,470       49.2
  FTE adjustment                       10,546          9,748        8.2
  Net income                         $108,691        $90,425       20.2

  Total revenue - FTE                $303,266       $296,745        2.2

  Average Balance Sheet

  Total loans                     $32,888,329    $30,978,110        6.2%
  Goodwill                          1,264,845      1,266,522       (0.1)
  Other intangible assets
   excluding MSRs                           -              -          -
  Total assets                     35,327,349     33,246,681        6.3
  Total deposits                   13,583,271     13,195,123        2.9

  Shareholders' equity is not
   allocated at this time(2)

  Performance Ratios

  Efficiency ratio                      51.54%         55.14%
  Impact of excluding cost of
   intangible assets                    (2.24)         (2.55)
  Tangible efficiency ratio             49.30          52.59


                                             Nine Months Ended
                                    September 30   September 30        %
                                        2006           2005         Change

  Statement of Income

  Net interest income                $677,877       $635,644          6.6%
  FTE adjustment                       30,701         28,203          8.9
  Net interest income - FTE           708,578        663,847          6.7
  Provision for loan losses(1)          7,208         18,302        (60.6)
  Net interest income after
   provision for loan losses - FTE    701,370        645,545          8.6

  Noninterest income before
   securities gains/(losses)          202,625        185,865          9.0
  Securities gains/(losses), net            -              -            -
  Total noninterest income            202,625        185,865          9.0

  Noninterest expense before
   amortization of intangible
   assets                             473,186        455,785          3.8
  Amortization of intangible
   assets                                   -              -            -
  Total noninterest expense           473,186        455,785          3.8

  Income before provision for
   income taxes                       430,809        375,625         14.7
  Provision for income taxes           74,765         65,283         14.5
  FTE adjustment                       30,701         28,203          8.9
  Net income                         $325,343       $282,139         15.3

  Total revenue - FTE                $911,203       $849,712          7.2

  Average Balance Sheet

  Total loans                     $32,378,414    $30,683,468          5.5%
  Goodwill                          1,263,698      1,265,380         (0.1)
  Other intangible assets
   excluding MSRs                           -              -            -
  Total assets                     34,789,535     32,889,049          5.8
  Total deposits                   13,638,181     13,274,384          2.7

  Shareholders' equity is not
   allocated at this time(2)

  Performance Ratios

  Efficiency ratio                      51.93%         53.64%
  Impact of excluding cost of
   intangible assets                    (2.24)         (2.65)
  Tangible efficiency ratio             49.69          50.99

  (1) Provision for loan losses represents net charge-offs for the lines
      of business.
  (2) Shareholders' equity is not allocated to the lines of business at this
      time; business line performance does not include the funding benefit
      that would result from holding shareholders' equity at the line of
      business level.

                                                           PRELIMINARY DATA

  Corporate and Investment Banking Line of Business
  (Dollars in thousands) (Unaudited)
                                               Three Months Ended
                                   September 30   September 30       %
                                       2006           2005        Change(3)

  Statement of Income

  Net interest income                $45,645        $62,031       (26.4)%
  FTE adjustment                       7,962          5,530        44.0
  Net interest income - FTE           53,607         67,561       (20.7)
  Provision for loan losses(1)         5,784         17,977       (67.8)
  Net interest income after
   provision for loan losses -
   FTE                                47,823         49,584        (3.6)

  Noninterest income before
   securities gains/(losses)         145,574        170,188       (14.5)
  Securities gains/(losses), net        (360)           (50)         NM
  Total noninterest income           145,214        170,138       (14.6)

  Noninterest expense before
   amortization of intangible
   assets                            108,498        118,037        (8.1)
  Amortization of intangible
   assets                                122            122           -
  Total noninterest expense          108,620        118,159        (8.1)

  Income before provision for
   income taxes                       84,417        101,563       (16.9)
  Provision for income taxes          23,727         32,913       (27.9)
  FTE adjustment                       7,962          5,530        44.0
  Net income                         $52,728        $63,120       (16.5)

  Total revenue - FTE               $198,821       $237,699       (16.4)

  Measures excluding impact of
   RCM divestiture (4)

     Net interest income - FTE
     RCM divestiture
     Net interest income - FTE
      excluding RCM divestiture

     Total noninterest income
     RCM divestiture
     Total noninterest income
      excluding RCM divestiture

     Total revenue - FTE
     RCM divestiture
     Total revenue - FTE
      excluding RCM divestiture

     Net income
     RCM divestiture
     Net income excluding RCM
      divestiture

  Average Balance Sheet

  Total loans                    $16,793,321    $15,959,944         5.2%
  Goodwill                           147,595        147,606           -
  Other intangible assets
   excluding MSRs                      1,525          3,063       (50.2)
  Total assets                    24,162,242     21,695,289        11.4
  Total deposits                   2,903,134      3,134,817        (7.4)

  Shareholders' equity is not
   allocated at this time(2)

  Performance Ratios

  Efficiency ratio                     54.63 %        49.71 %
  Impact of excluding cost of
   intangible assets                   (0.50)         (0.41)
  Tangible efficiency ratio            54.13          49.30


                                               Nine Months Ended
                                    September 30   September 30       %
                                         2006           2005       Change(3)

  Statement of Income

  Net interest income                $158,096       $176,850        (10.6)%
  FTE adjustment                       21,849         15,790         38.4
  Net interest income - FTE           179,945        192,640         (6.6)
  Provision for loan losses (1)         4,954         17,256        (71.3)
  Net interest income after
   provision for loan losses -
   FTE                                174,991        175,384         (0.2)

  Noninterest income before
   securities gains/(losses)          463,383        499,674         (7.3)
  Securities gains/(losses), net         (360)           246           NM
  Total noninterest income            463,023        499,920         (7.4)

  Noninterest expense before
   amortization of intangible
   assets                             338,880        344,497         (1.6)
  Amortization of intangible
   assets                                 366            399         (8.3)
  Total noninterest expense           339,246        344,896         (1.6)

  Income before provision for
   income taxes                       298,768        330,408         (9.6)
  Provision for income taxes           90,169        109,262        (17.5)
  FTE adjustment                       21,849         15,790         38.4
  Net income                         $186,750       $205,356         (9.1)

  Total revenue - FTE                $642,968       $692,560         (7.2)

  Measures excluding impact of
   RCM divestiture (4)

     Net interest income - FTE       $179,945       $192,640         (6.6)%
     RCM divestiture                        -         (1,703)      (100.0)
     Net interest income - FTE
      excluding RCM divestiture      $179,945       $190,937         (5.8)

     Total noninterest income        $463,023       $499,920         (7.4)
     RCM divestiture                        -        (30,007)      (100.0)
     Total noninterest income
      excluding RCM divestiture      $463,023       $469,913         (1.5)

     Total revenue - FTE             $642,968       $692,560         (7.2)
     RCM divestiture                        -        (31,710)      (100.0)
     Total revenue - FTE
      excluding RCM divestiture      $642,968       $660,850         (2.7)

     Net income                      $186,750       $205,356         (9.1)
     RCM divestiture                        -        (15,737)      (100.0)
     Net income excluding RCM
      divestiture                    $186,750       $189,619         (1.5)

  Average Balance Sheet

  Total loans                     $16,464,698    $14,930,922         10.3%
  Goodwill                            147,578        147,639            -
  Other intangible assets
   excluding MSRs                       1,988          3,380        (41.2)
  Total assets                     23,793,117     20,607,067         15.5
  Total deposits                    3,200,312      3,179,474          0.7

  Shareholders' equity is not
   allocated at this time(2)

  Performance Ratios

  Efficiency ratio                      52.76 %        49.80 %
  Impact of excluding cost of
   intangible assets                    (0.45)         (0.43)
  Tangible efficiency ratio             52.31          49.37

  (1) Provision for loan losses represents net charge-offs for the lines  of
      business.
  (2) Shareholders' equity is not allocated to the lines of business at this
      time; business line performance does not include the funding  benefit
      that would result from holding shareholders' equity at  the line of
      business level.
  (3) "NM" - Not meaningful. Those changes over 100 percent were not
      considered to be meaningful.
  (4) SunTrust presents net interest income - FTE, total noninterest income,
      total revenue - FTE, and net income excluding the RCM divestiture. The
      Company believes these measures without the impact of the RCM
      divestiture are more indicative of normalized operations.


                                                       PRELIMINARY DATA
  Mortgage Line of Business
  (Dollars in thousands)
  (Unaudited)                                 Three Months Ended
                                   September 30   September 30       %
                                       2006           2005         Change

  Statement of Income

  Net interest income               $155,827       $139,565        11.7%
  FTE adjustment                           -              -           -
  Net interest income - FTE          155,827        139,565        11.7
  Provision for loan losses(1)           735          2,928       (74.9)
  Net interest income after
   provision for loan losses -
   FTE                               155,092        136,637        13.5

  Noninterest income before
   securities gains/(losses)          98,169         83,224        18.0
  Securities gains/(losses),
   net                                     -              -           -
  Total noninterest income            98,169         83,224        18.0

  Noninterest expense before
   amortization of intangible
   assets                            152,748        135,613        12.6
  Amortization of intangible
   assets                                763            867       (12.0)
  Total noninterest expense          153,511        136,480        12.5

  Income before provision for
   income taxes                       99,750         83,381        19.6
  Provision for income taxes          34,308         28,842        19.0
  FTE adjustment                           -              -           -
  Net income                         $65,442        $54,539        20.0

  Total revenue - FTE               $253,996       $222,789        14.0

  Average Balance Sheet

  Total loans                    $31,619,820    $24,862,321        27.2%
  Goodwill                           275,705        248,929        10.8
  Other intangible assets
   excluding MSRs                      5,800          9,007       (35.6)
  Total assets                    42,798,284     34,094,174        25.5
  Total deposits                   1,998,843      1,937,403         3.2

  Shareholders' equity is not
   allocated at this time(2)

  Performance Ratios

  Efficiency ratio                     60.44%         61.26%
  Impact of excluding cost of
   intangible assets                   (1.02)         (1.18)
  Tangible efficiency ratio            59.42          60.08

  Other Information

  Production Data
   Channel mix
   Retail                         $6,045,632     $6,540,569        (7.6)%
   Wholesale                       4,617,185      4,210,478         9.7
   Correspondent                   3,074,636      3,941,552       (22.0)
    Total production             $13,737,453    $14,692,599        (6.5)

  Channel mix - percent
   Retail                                 44%            44%
   Wholesale                              34             29
   Correspondent                          22             27
    Total production                     100            100

  Purchase and refinance mix
   Refinance                      $4,737,623     $5,953,942       (20.4)
   Purchase                        8,999,830      8,738,657         3.0
    Total production             $13,737,453    $14,692,599        (6.5)

  Purchase and refinance mix -
   percent
   Refinance                              34%            41%
   Purchase                               66             59
    Total production                     100            100

   Applications                  $21,541,643    $21,013,044         2.5

  Mortgage Servicing Data (End
   of Period)
   Total loans serviced         $124,795,178    $97,377,709        28.2 %
   Total loans serviced for
    others                        83,079,809     64,541,967        28.7
   Net carrying value of MSRs        724,640        613,314        18.2
   Ratio of net carrying value
    of MSRs to total
    loans serviced for others          0.872%         0.950%


                                                Nine Months Ended
                                    September 30   September 30        %
                                       2006           2005          Change

  Statement of Income

  Net interest income                $453,618       $395,944         14.6%
  FTE adjustment                            -              -            -
  Net interest income - FTE           453,618        395,944         14.6
  Provision for loan losses(1)          5,735          6,810        (15.8)
  Net interest income after
   provision for loan losses -
   FTE                                447,883        389,134         15.1

  Noninterest income before
   securities gains/(losses)          318,837        178,178         78.9
  Securities gains/(losses), net            -          1,076       (100.0)
  Total noninterest income            318,837        179,254         77.9

  Noninterest expense before
   amortization of intangible
   assets                             445,037        371,270         19.9
  Amortization of intangible
   assets                               2,290          2,600        (11.9)
  Total noninterest expense           447,327        373,870         19.6

  Income before provision for
   income taxes                       319,393        194,518         64.2
  Provision for income taxes          110,906         65,937         68.2
  FTE adjustment                            -              -            -
  Net income                         $208,487       $128,581         62.1

  Total revenue - FTE                $772,455       $575,198         34.3

  Average Balance Sheet

  Total loans                     $30,863,051    $23,290,779         32.5%
  Goodwill                            267,291        247,676          7.9
  Other intangible assets
   excluding MSRs                       6,557          9,867        (33.5)
  Total assets                     41,165,266     31,211,916         31.9
  Total deposits                    1,764,025      1,612,769          9.4

  Shareholders' equity is not
   allocated at this time(2)

  Performance Ratios

  Efficiency ratio                      57.91%         65.00%
  Impact of excluding cost of
   intangible assets                    (0.95)         (1.45)
  Tangible efficiency ratio             56.96          63.55

  Other Information

  Production Data
   Channel mix
   Retail                         $17,792,947    $16,376,728          8.6%
   Wholesale                       13,826,092      9,756,542         41.7
   Correspondent                    8,699,546      8,413,531          3.4
    Total production              $40,318,585    $34,546,801         16.7

  Channel mix - percent
   Retail                                  44%            48%
   Wholesale                               34             28
   Correspondent                           22             24
    Total production                      100            100

  Purchase and refinance mix
   Refinance                      $14,162,396    $13,578,550          4.3
   Purchase                        26,156,189     20,968,251         24.7
    Total production              $40,318,585    $34,546,801         16.7

  Purchase and refinance mix -
   percent
   Refinance                               35%            39%
   Purchase                                65             61
    Total production                      100            100

   Applications                   $63,908,537    $54,290,698         17.7

  Mortgage Servicing Data (End of
   Period)
   Total loans serviced
   Total loans serviced for others
   Net carrying value of MSRs
   Ratio of net carrying value of
    MSRs to total loans serviced
    for others

  (1) Provision for loan losses represents net charge-offs for the lines of
      business.
  (2) Shareholders' equity is not allocated to the lines of business at this
      time; business line performance does not include the funding benefit
      that would result from holding shareholders' equity at the line of
      business level.

                                                       PRELIMINARY DATA
  Wealth and Investment Management Line of Business
  (Dollars in thousands)
  (Unaudited)                                 Three Months Ended
                                 September 30    September 30        %
                                     2006            2005         Change(3)

  Statement of Income

  Net interest income              $92,358         $87,631          5.4%
  FTE adjustment                        19              16         18.8
  Net interest income - FTE         92,377          87,647          5.4
  Provision for loan losses(1)         736           1,885        (61.0)
  Net interest income after
   provision for loan losses
   - FTE                            91,641          85,762          6.9

  Noninterest income before
   securities gains/(losses)       355,348         237,373         49.7
  Securities gains/(losses),
   net                                  (1)            (30)       (96.7)
  Total noninterest income         355,347         237,343         49.7

  Noninterest expense before
   amortization of intangible
   assets                          255,504         234,793          8.8
  Amortization of intangible
   assets                            3,662           3,719         (1.5)
  Total noninterest expense        259,166         238,512          8.7

  Income before provision for
   income taxes                    187,822          84,593           NM
  Provision for income taxes        69,940          31,555           NM
  FTE adjustment                        19              16         18.8
  Net income                      $117,863         $53,022           NM

  Total revenue - FTE             $447,724        $324,990         37.8

  Measures excluding net gain
   on sale of Bond Trustee
   business(4)

  Total noninterest income        $355,347        $237,343         49.7%
  Net gain on sale of Bond
   Trustee business               (112,759)              -       (100.0)
  Total noninterest income
   excluding net gain on
   sale of Bond
   Trustee business               $242,588        $237,343          2.2

  Total revenue - FTE             $447,724        $324,990         37.8
  Net gain on sale of Bond
   Trustee business               (112,759)              -       (100.0)
  Total revenue - FTE
   excluding net gain on sale
   of Bond Trustee business       $334,965        $324,990          3.1

  Net income                      $117,863         $53,022           NM
  Net gain on sale of Bond
   Trustee business, net
   of tax                          (69,911)              -       (100.0)
  Net income excluding net
   gain on sale of Bond
   Trustee business                $47,952         $53,022         (9.6)

  Average Balance Sheet

  Total loans                   $8,128,016      $7,896,089          2.9%
  Goodwill                         306,873         303,452          1.1
  Other intangible assets
   excluding MSRs                  124,030         135,459         (8.4)
  Total assets                   8,948,786       8,661,792          3.3
  Total deposits                 9,534,090       9,653,985         (1.2)

  Shareholders' equity is not
   allocated at this time(2)

  Performance Ratios

  Efficiency ratio                   57.89%          73.39%
  Impact of excluding cost of
   intangible assets                 (1.42)          (2.23)
  Tangible efficiency ratio          56.47           71.16

  Other Information (End of
   Period)

  Assets under administration
  Managed (discretionary)
   assets                     $138,572,125    $133,600,000          3.7
  Non-managed assets            53,231,004      48,700,000          9.3
  Total assets under
   administration              191,803,129     182,300,000          5.2

  Brokerage assets              36,662,000      30,100,000         21.8
  Corporate trust assets        10,014,000      25,400,000        (60.6)
  Total assets under
   advisement                 $238,479,129    $237,800,000          0.3


                                              Nine Months Ended
                                  September 30  September 30          %
                                       2006          2005           Change

  Statement of Income

  Net interest income               $276,337      $247,758           11.5%
  FTE adjustment                          53            48           10.4
  Net interest income - FTE          276,390       247,806           11.5
  Provision for loan losses(1)         1,679         3,038          (44.7)
  Net interest income after
   provision for loan losses -
   FTE                               274,711       244,768           12.2

  Noninterest income before
   securities gains/(losses)         845,992       703,849           20.2
  Securities gains/(losses), net         (53)         (191)         (72.3)
  Total noninterest income           845,939       703,658           20.2

  Noninterest expense before
   amortization of intangible
   assets                            765,008       706,879            8.2
  Amortization of intangible
   assets                             10,968        10,990           (0.2)
  Total noninterest expense          775,976       717,869            8.1

  Income before provision for
   income taxes                      344,674       230,557           49.5
  Provision for income taxes         128,165        85,807           49.4
  FTE adjustment                          53            48           10.4
  Net income                        $216,456      $144,702           49.6

  Total revenue - FTE             $1,122,329      $951,464           18.0

  Measures excluding net gain on
   sale of Bond Trustee business(4)

  Total noninterest income          $845,939      $703,658           20.2%
  Net gain on sale of Bond
   Trustee business                 (112,759)            -         (100.0)
  Total noninterest income
   excluding net gain on sale
   of Bond Trustee business         $733,180      $703,658            4.2

  Total revenue - FTE             $1,122,329      $951,464           18.0
  Net gain on sale of Bond
   Trustee business                 (112,759)            -         (100.0)
  Total revenue - FTE excluding
   net gain on sale of Bond
   Trustee business               $1,009,570      $951,464            6.1

  Net income                        $216,456      $144,702           49.6
  Net gain on sale of Bond
   Trustee business, net of
   tax                               (69,911)            -         (100.0)
  Net income excluding net
   gain on sale of Bond
   Trustee business                 $146,545      $144,702            1.3

  Average Balance Sheet

  Total loans                     $8,113,524    $7,718,582            5.1%
  Goodwill                           303,473       301,868            0.5
  Other intangible assets
   excluding MSRs                    123,429       135,987           (9.2)
  Total assets                     8,902,517     8,469,582            5.1
  Total deposits                   9,285,272     9,544,679           (2.7)

  Shareholders' equity is not
   allocated at this time(2)

  Performance Ratios

  Efficiency ratio                     69.14%        75.45%
  Impact of excluding cost of
   intangible assets                   (1.81)        (2.33)
  Tangible efficiency ratio            67.33         73.12

  Other Information (End of
   Period)

  Assets under administration
  Managed (discretionary) assets
  Non-managed assets
  Total assets under
   administration

  Brokerage assets
  Corporate trust assets
  Total assets under advisement


  (1) Provision for loan losses represents net charge-offs for the lines of
      business.
  (2) Shareholders' equity is not allocated to the lines of business at this
      time; business line performance does not include the funding benefit
      that would result from holding shareholders' equity at the line of
      business level.
  (3) "NM" - Not meaningful. Those changes over 100 percent were not
      considered to be meaningful.
  (4) SunTrust presents total noninterest income, total revenue, and net
      income excluding the net gain on the sale of the Bond Trustee
      business. The Company believes total noninterest income, total
      revenue, and net income without the sale of the Bond Trustee business
      is more indicative of normalized operations.


                                                      PRELIMINARY DATA
  Corporate Other and Treasury

  (Dollars in thousands) (Unaudited)
                                               Three Months Ended
                                     September 30  September 30      %
                                         2006          2005       Change(2)

  Statement of Income

  Net interest income                  $41,574       $92,938      (55.3)%
  FTE adjustment                         3,908         3,765        3.8
  Net interest income - FTE             45,482        96,703      (53.0)
  Provision for loan losses(1)          26,212        (4,322)        NM
  Net interest income after
   provision for loan losses - FTE      19,270       101,025      (80.9)

  Noninterest income before
   securities gains/(losses)            14,774        12,035       22.8
  Securities gains/(losses), net       (91,455)       (1,990)        NM
  Total noninterest income             (76,681)       10,045     (863.4)

  Noninterest expense before
   amortization of intangible
   assets                               (7,693)        7,740         NM
  Amortization of intangible assets        222           223       (0.4)
  Total noninterest expense             (7,471)        7,963         NM

  Income/(loss) before provision
   for income taxes                    (49,940)      103,107         NM
  Provision/(benefits) for income
   taxes                               (55,062)       19,389         NM
  FTE adjustment                         3,908         3,765        3.8
  Net income                            $1,214       $79,953      (98.5)

  Total revenue - FTE                 ($31,199)     $106,748         NM

  Measures excluding securities
   gains/(losses), net(3)

  Total revenue - FTE                 ($31,199)     $106,748         NM%
  Securities (gains)/losses, net        91,455         1,990         NM
  Total revenue - FTE excluding net
   securities (gains)/losses           $60,256      $108,738      (44.6)

  Net income                            $1,214       $79,953      (98.5)
  Securities (gains)/losses, net of
   tax                                  56,702         1,234         NM
  Net income excluding net
   securities (gains)/losses            $57,916       $81,187      (28.7)

  Average Balance Sheet

  Total loans                         $480,256      $275,597       74.3%
  Securities available for sale     23,841,440    25,824,207       (7.7)
  Goodwill                               6,853         4,352       57.5
  Other intangible assets excluding
   MSRs                                  5,623         6,516      (13.7)
  Total assets                      32,017,320    35,067,187       (8.7)
  Total deposits (mainly brokered
   and foreign)                     27,921,482    18,262,385       52.9


  Other Information

  Duration of investment portfolio         3.0%          2.7%

  Net interest income interest rate
   sensitivity:
   % Change in net interest income
    under:
     Gradual 100 bp increase in rates
      over next 12 months                 (0.2)%        (0.1)%
     Gradual 100 bp decrease in rates
      over next 12 months                  1.0%          0.7%


                                                 Nine Months Ended
                                        September 30   September 30   %
                                            2006          2005     Change(2)

  Statement of Income

  Net interest income                      $145,155     $321,093     (54.8)%
  FTE adjustment                             11,411       11,368       0.4
  Net interest income - FTE                 156,566      332,461     (52.9)
  Provision for loan losses(1)               62,113      (15,328)       NM
  Net interest income after provision
   for loan losses - FTE                     94,453      347,789     (72.8)

  Noninterest income before securities
   gains/(losses)                            44,911       38,859      15.6
  Securities gains/(losses), net            (85,441)      (8,881)       NM
  Total noninterest income                  (40,530)      29,978        NM

  Noninterest expense before
   amortization of intangible assets         10,334       79,440     (87.0)
  Amortization of intangible assets             667          672      (0.7)
  Total noninterest expense                  11,001       80,112     (86.3)

  Income/(loss) before provision for
   income taxes                              42,922      297,655     (85.6)
  Provision/(benefits) for income taxes     (59,579)      56,332        NM
  FTE adjustment                             11,411       11,368       0.4
  Net income                                $91,090     $229,955     (60.4)

  Total revenue - FTE                      $116,036     $362,439     (68.0)

  Measures excluding securities
   gains/(losses), net(3)

  Total revenue - FTE                      $116,036     $362,439     (68.0)%
  Securities (gains)/losses, net             85,441        8,881        NM
  Total revenue - FTE excluding net
   securities (gains)/losses               $201,477     $371,320     (45.7)

  Net income                                $91,090     $229,955     (60.4)
  Securities (gains)/losses, net of tax      52,973        5,506        NM
  Net income excluding net securities
   (gains)/losses                          $144,063     $235,461     (38.8)

  Average Balance Sheet

  Total loans                              $409,056     $282,307      44.9%
  Securities available for sale          24,685,776   26,646,438      (7.4)
  Goodwill                                    7,611        9,151     (16.8)
  Other intangible assets excluding
   MSRs                                       5,845        6,737     (13.2)
  Total assets                           33,091,157   35,878,589      (7.8)
  Total deposits (mainly brokered and
   foreign)                              26,622,523   15,987,455      66.5


  Other Information

  Duration of investment portfolio

  Net interest income interest rate
   sensitivity:
   % Change in net interest income
    under:
     Gradual 100 bp increase in rates over
      next 12 months
     Gradual 100 bp decrease in rates over
      next 12 months

  (1) Provision for loan losses represents difference between net charge-
      offs for the lines of business and consolidated provision for loan
      losses.
  (2) "NM" - Not meaningful. Those changes over 100 percent were not
      considered to be meaningful.
  (3) SunTrust presents total revenue and net income excluding realized
      securities gains/losses. The Company believes total revenue and net
      income without the securities gains/losses is more indicative of the
      Company's performance because it isolates income that is primarily
      customer relationship and customer transaction driven.


                                                        PRELIMINARY DATA
  Consolidated - Segment Totals
  (Dollars in thousands) (Unaudited)
                                             Three Months Ended
                               September 30    September 30          %
                                   2006            2005           Change(1)

  Statement of Income

  Net interest income           $1,151,392      $1,156,661         (0.5)%
  FTE adjustment                    22,468          19,081         17.8
  Net interest income - FTE      1,173,860       1,175,742         (0.2)
  Provision for loan losses         61,568          70,393        (12.5)
  Net interest income after
   provision for loan losses
   - FTE                         1,112,292       1,105,349          0.6

  Noninterest income before
   securities gains/(losses)       950,747         834,467         13.9
  Securities gains/(losses),
   net                             (91,816)         (2,069)          NM
  Total noninterest income         858,931         832,398          3.2

  Noninterest expense before
   amortization of intangible
   assets                        1,179,707       1,147,334          2.8
  Amortization of intangible
   assets                           25,792          29,737        (13.3)
  Total noninterest expense      1,205,499       1,177,071          2.4

  Income before provision for
   income taxes                    765,724         760,676          0.7
  Provision for income taxes       207,668         230,821        (10.0)
  FTE adjustment                    22,468          19,081         17.8
  Net income                      $535,588        $510,774          4.9

  Total revenue - FTE           $2,032,791      $2,008,140          1.2

  Average Balance Sheet

  Total loans                 $120,741,979    $110,818,438          9.0%
  Non-earning assets
  Goodwill                       6,902,234       6,864,550          0.5
  Other intangible assets
   excluding MSRs                  406,741         515,182        (21.0)
  Total assets                 180,500,921     169,933,960          6.2
  Total deposits               125,600,815     112,044,929         12.1


  Performance Ratios

  Efficiency ratio                   59.30%          58.62%
  Impact of excluding cost of
   intangible assets                 (1.27)          (1.49)
  Tangible efficiency ratio          58.03           57.13


                                              Nine Months Ended
                                 September 30    September 30         %
                                     2006            2005          Change(1)

  Statement of Income

  Net interest income            $3,499,176      $3,391,930           3.2%
  FTE adjustment                     64,089          55,467          15.5
  Net interest income - FTE       3,563,265       3,447,397           3.4
  Provision for loan losses         146,730         128,760          14.0
  Net interest income after
   provision for loan losses -
   FTE                            3,416,535       3,318,637           2.9

  Noninterest income before
   securities gains/(losses)      2,671,660       2,364,876          13.0
  Securities gains/(losses),
   net                              (85,854)         (7,755)           NM
  Total noninterest income        2,585,806       2,357,121           9.7

  Noninterest expense before
   amortization of intangible
   assets                         3,567,161       3,393,030           5.1
  Amortization of intangible
   assets                            78,922          90,772         (13.1)
  Total noninterest expense       3,646,083       3,483,802           4.7

  Income before provision for
   income taxes                   2,356,258       2,191,956           7.5
  Provision for income taxes        681,052         667,721           2.0
  FTE adjustment                     64,089          55,467          15.5
  Net income                     $1,611,117      $1,468,768           9.7

  Total revenue - FTE            $6,149,071      $5,804,518           5.9

  Average Balance Sheet

  Total loans                  $119,065,976    $107,028,170          11.2%
  Non-earning assets
  Goodwill                        6,879,801       6,858,297           0.3
  Other intangible assets
   excluding MSRs                   429,101         541,147         (20.7)
  Total assets                  179,631,675     165,500,517           8.5
  Total deposits                123,324,585     108,431,628          13.7


  Performance Ratios

  Efficiency ratio                    59.29%          60.02%
  Impact of excluding cost of
   intangible assets                  (1.28)          (1.57)
  Tangible efficiency ratio           58.01           58.45

  (1) "NM" - Not meaningful. Those changes over 100 percent were not
      considered to be meaningful.

PRNewswire -- Oct. 17
END FIRST AND FINAL ADD

SOURCE: SunTrust Banks, Inc.