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/FIRST ADD -- CLTH057 -- SunTrust Banks, Inc. Earnings/

PRNewswire
Oct 18, 2007

  SunTrust Banks, Inc. and Subsidiaries
  RECONCILEMENT OF NON-GAAP MEASURES
  APPENDIX A TO THE EARNINGS RELEASE
  (Dollars in thousands) (Unaudited)

                                             Three Months Ended
                               September 30      June 30         March 31
                                   2007            2007            2007

  NON-GAAP MEASURES
   PRESENTED IN THE EARNINGS
   RELEASE

  Net income                      420,164        $681,431        $521,296
  Securities (gains)/losses,
   net of tax                        (614)       (146,575)            (12)
  Net income excluding net
   securities gains and losses    419,550         534,856         521,284
  The Coca-Cola Company
   dividend, net of tax           (13,210)        (13,218)        (14,580)
  Net income excluding net
   securities (gains)/losses
   and The Coca-Cola Company
   dividend                       406,340         521,638         506,704

  Preferred dividends               7,526           7,519           7,363
  Net income available to
   common shareholders
   excluding net securities
   (gains)/losses and The
   Coca-Cola Company dividend    $398,814        $514,119        $499,341

  Total average assets       $174,653,377    $179,996,457    $181,506,369
  Average net unrealized
   securities gains            (2,091,892)     (2,398,651)     (2,305,306)
  Average assets less net
   unrealized securities
   gains                     $172,561,485    $177,597,806    $179,201,063

  Total average common
   shareholders' equity       $17,050,182     $17,428,101     $17,220,384
  Average accumulated other
   comprehensive income          (998,561)     (1,206,487)     (1,074,497)
  Total average realized
   common shareholders'
   equity                     $16,051,621     $16,221,614     $16,145,887

  Return on average total
   assets                            0.95 %          1.52 %          1.16 %
  Impact of excluding net
   realized and unrealized
   securities (gains)/losses
   and The Coca-Cola
   Company dividend                 (0.02)          (0.34)          (0.01)
  Return on average total
   assets less net unrealized
   securities gains (1)              0.93 %          1.18 %          1.15 %

  Return on average common
   shareholders' equity              9.60 %         15.51 %         12.10 %
  Impact of excluding net
   realized and unrealized
   securities (gains)/
   losses and The Coca-Cola
   Company dividend                  0.26           (2.80)           0.44
  Return on average realized
   common shareholders'
   equity (2)                        9.86 %         12.71 %         12.54 %

  Efficiency ratio (3)              63.35 %         52.69 %         59.79 %
  Impact of excluding
   amortization of
   intangible assets                (1.22)          (1.05)          (1.14)
  Tangible efficiency ratio (4)     62.13 %         51.64 %         58.65 %

  Total shareholders' equity  $17,907,247     $17,368,853     $17,968,538
  Goodwill                     (6,912,110)     (6,897,050)     (6,896,723)
  Other intangible assets
   including mortgage
   servicing rights ("MSRs")   (1,327,060)     (1,290,460)     (1,293,457)
  Mortgage servicing rights       995,984         942,012         921,255
  Tangible equity             $10,664,061     $10,123,355     $10,699,613

  Total assets               $175,857,229    $180,314,372    $186,384,841
  Goodwill                     (6,912,110)     (6,897,050)     (6,896,723)
  Other intangible assets
   including MSRs              (1,327,060)     (1,290,460)     (1,293,457)
  Mortgage servicing rights       995,984         942,012         921,255
  Tangible assets            $168,614,043    $173,068,874    $179,115,916

  Tangible equity to
   tangible assets (5)               6.32 %          5.85 %          5.97 %

  Net interest income          $1,192,188      $1,195,284      $1,164,559
  Taxable-equivalent
   adjustment                      27,055          24,668          23,713
  Net interest income - FTE     1,219,243       1,219,952       1,188,272
  Noninterest income              819,139       1,154,622         878,906
  Total revenue - FTE           2,038,382       2,374,574       2,067,178
  Net securities
   (gains)/losses                    (991)       (236,412)            (20)
  Net gain on sale of Bond
   Trustee business                     -               -               -
  Total revenue - FTE
   excluding net securities
   (gains)/losses and net
   gain on sale of Bond
   Trustee business (6)        $2,037,391      $2,138,162      $2,067,158


                                                  Three Months Ended
                                             December 31       September 30
                                                2006               2006

  NON-GAAP MEASURES PRESENTED IN THE
   EARNINGS RELEASE

  Net income                                  $506,354          $535,588
  Securities (gains)/losses, net of tax        (21,934)           56,926
  Net income excluding net securities
   gains and losses                            484,420           592,514
  The Coca-Cola Company dividend, net
   of tax                                      (13,316)          (13,317)
  Net income excluding net securities
   (gains)/losses and
       The Coca-Cola Company dividend          471,104           579,197

  Preferred dividends                            7,729                 -
  Net income available to common
   shareholders excluding net securities
   (gains)/losses and The Coca-Cola
    Company dividend                          $463,375          $579,197

  Total average assets                    $182,343,274      $180,500,921
  Average net unrealized securities gains   (1,965,367)       (1,374,648)
  Average assets less net unrealized
   securities gains                       $180,377,907      $179,126,273

  Total average common shareholders'
   equity                                  $17,655,469       $17,558,581
  Average accumulated other
   comprehensive income                     (1,202,004)         (821,317)
  Total average realized common
   shareholders' equity                    $16,453,465       $16,737,264

  Return on average total assets                  1.10 %            1.18 %
  Impact of excluding net realized and
   unrealized securities (gains)/losses
   and The Coca-Cola Company dividend            (0.06)             0.10
  Return on average total assets less
   net unrealized securities gains (1)            1.04 %            1.28 %

  Return on average common
   shareholders' equity                          11.20 %           12.10 %
  Impact of excluding net realized and
   unrealized securities (gains)/losses
   and The Coca-Cola Company dividend            (0.03)             1.63
  Return on average realized common
   shareholders' equity (2)                      11.17 %           13.73 %

  Efficiency ratio (3)                           59.67 %           59.30 %
  Impact of excluding amortization of
   intangible assets                             (1.18)            (1.27)
  Tangible efficiency ratio (4)                  58.49 %           58.03 %

  Total shareholders' equity               $17,813,606       $18,589,307
  Goodwill                                  (6,889,860)       (6,903,001)
  Other intangible assets including
   mortgage servicing rights ("MSRs")       (1,181,984)       (1,120,102)
  Mortgage servicing rights                    810,510           724,323
  Tangible equity                          $10,552,272       $11,290,527

  Total assets                            $182,161,609      $183,104,553
  Goodwill                                  (6,889,860)       (6,903,001)
  Other intangible assets including
   MSRs                                     (1,181,984)       (1,120,102)
  Mortgage servicing rights                    810,510           724,323
  Tangible assets                         $174,900,275      $175,805,773

  Tangible equity to tangible assets (5)          6.03 %            6.42 %

  Net interest income                       $1,161,289        $1,151,392
  Taxable-equivalent adjustment                 23,877            22,468
  Net interest income - FTE                  1,185,166         1,173,860
  Noninterest income                           882,566           858,931
  Total revenue - FTE                        2,067,732         2,032,791
  Net securities (gains)/losses                (35,377)           91,816
  Net gain on sale of Bond Trustee
   business                                          -          (112,759)
  Total revenue - FTE excluding net
   securities (gains)/losses and net gain
   on sale of Bond Trustee business (6)     $2,032,355        $2,011,848


                                                  Nine Months Ended
                                            September 30      September 30
                                               2007              2006

  NON-GAAP MEASURES PRESENTED IN THE
   EARNINGS RELEASE

  Net income                                $1,622,891        $1,611,117
  Securities (gains)/losses, net of tax       (147,202)           53,229
  Net income excluding net securities
   gains and losses                          1,475,689         1,664,346
  The Coca-Cola Company dividend, net
   of tax                                      (41,009)          (39,950)
  Net income excluding net securities
   (gains)/losses and The Coca-Cola
   Company dividend                          1,434,680         1,624,396

  Preferred dividends                           22,408                 -
  Net income available to common
   shareholders excluding net
   securities (gains)/losses and
   The Coca-Cola Company dividend           $1,412,272        $1,624,396

  Total average assets                    $178,693,630      $179,631,675
  Average net unrealized securities gains   (2,264,501)       (1,504,293)
  Average assets less net unrealized
   securities gains                       $176,429,129      $178,127,382

  Total average common shareholders'
   equity                                  $17,232,264       $17,306,802
  Average accumulated other
   comprehensive income                     (1,092,903)         (899,774)
  Total average realized common
   shareholders' equity                    $16,139,361       $16,407,028

  Return on average total assets                  1.21 %            1.20 %
  Impact of excluding net realized and
   unrealized securities (gains)/losses
   and The Coca-Cola Company dividend            (0.12)             0.02
  Return on average total assets less
   net unrealized securities gains (1)            1.09 %            1.22 %

  Return on average common
   shareholders' equity                          12.42 %           12.45 %
  Impact of excluding net realized and
   unrealized securities (gains)/
   losses and The Coca-Cola Company
   dividend                                      (0.72)             0.79
  Return on average realized common
   shareholders' equity (2)                      11.70 %           13.24 %

  Efficiency ratio (3)                           58.31 %           59.29 %
  Impact of excluding amortization of
   intangible assets                             (1.13)            (1.28)
  Tangible efficiency ratio (4)                  57.18 %           58.01 %

  Total shareholders' equity
  Goodwill
  Other intangible assets including
   mortgage servicing rights ("MSRs")
  Mortgage servicing rights
  Tangible equity

  Total assets
  Goodwill
  Other intangible assets including MSRs
  Mortgage servicing rights
  Tangible assets

  Tangible equity to tangible assets (5)

  Net interest income                       $3,552,031        $3,499,176
  Taxable-equivalent adjustment                 75,436            64,089
  Net interest income - FTE                  3,627,467         3,563,265
  Noninterest income                         2,852,667         2,585,806
  Total revenue - FTE                        6,480,134         6,149,071
  Net securities (gains)/losses               (237,423)           85,854
  Net gain on sale of Bond Trustee
   business                                          -          (112,759)
  Total revenue - FTE excluding net
   securities (gains)/losses and net gain
   on sale of Bond Trustee business (6)     $6,242,711        $6,122,166

  (1) SunTrust presents a return on average assets less net unrealized gains
      on securities.  The foregoing numbers primarily reflect adjustments to
      remove the effects of the Company's securities portfolio which
      includes the ownership by the Company of 43.6 million shares of The
      Coca-Cola Company as of September 30, 2007.  The Company uses this
      information internally to gauge its actual performance in the
      industry.  The Company believes that the return on average assets less
      the net unrealized securities gains is more indicative of the
      Company's return on assets because it more accurately reflects the
      return on the assets that are related to the Company's core businesses
      which are primarily customer relationship and customer transaction
      driven.
      The return on average assets less net unrealized gains on securities
      is computed by dividing annualized net income, excluding securities
      gains/losses and The Coca-Cola Company dividend, by average assets
      less net unrealized securities gains.
  (2) The Company believes that the return on average realized common
      shareholders' equity is more indicative of the Company's return on
      equity because the excluded equity relates primarily to the long term
      holding of a specific security.  The return on average realized common
      shareholders' equity is computed by dividing annualized net income
      available to common shareholders, excluding securities gains/losses
      and The Coca-Cola Company dividend, by average realized common
      shareholders' equity.
  (3) Computed by dividing noninterest expense by total revenue - FTE.  The
      efficiency ratios are presented on an FTE basis.  The FTE basis
      adjusts for the tax-favored status of net interest income from certain
      loans and investments.  The Company believes this measure to be the
      preferred industry measurement of net interest income and it enhances
      comparability of net interest income arising from taxable and tax-
      exempt sources.
  (4) SunTrust presents a tangible efficiency ratio which excludes the cost
      of intangible assets.  The Company believes this measure is useful to
      investors because, by removing the effect of intangible asset costs
      (the level of which may vary from company to company) it allows
      investors to more easily compare the Company's efficiency to other
      companies in the industry.  This measure is utilized by management to
      assess the efficiency of the Company and its lines of business.
  (5) SunTrust presents a tangible equity to tangible assets ratio that
      excludes the impact of purchase accounting intangible assets.  The
      Company believes this measure is useful to investors because, by
      removing the effect of intangible assets that result from merger and
      acquisition activity (the level of which may vary from company to
      company) it allows investors to more easily compare the Company's
      capital adequacy to other companies in the industry.  This measure is
      used by management to analyze capital adequacy.
  (6) SunTrust presents total revenue-FTE excluding realized net securities
      gains/losses and the net gain on the sale of the Bond Trustee
      business.  The Company believes total revenue-FTE without net
      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 the Bond Trustee business because
      the Company believes the exclusion of the net gain is more indicative
      of normalized operations.



  SunTrust Banks, Inc. and Subsidiaries
  RECONCILEMENT OF NON-GAAP MEASURES
  APPENDIX A TO THE EARNINGS RELEASE, continued
  (Dollars in thousands) (Unaudited)

                                        Three Months Ended
                        September 30  September 30   Increase/(Decrease)
                            2007          2006        Amount       %(5)

  SELECTED NON-GAAP
   MEASURES PRESENTED IN
   THE EARNINGS RELEASE

  Diluted net income per
   average common share
  Impact of excluding
   gain on sale of
   shares of The Coca-
   Cola Company
  Diluted net income per
   average common share
   excluding gain on sale
   of shares of The
   Coca-Cola Company (1)

  Noninterest income       $819,139      $858,931     ($39,792)    (4.6)%
  Net securities
   (gains)/losses              (991)       91,816      (92,807)      NM
  Net gain on sale of
   Bond Trustee business          -      (112,759)     112,759    100.0
  Noninterest income
   excluding net securities
   (gains)/losses and net
   gain on sale of Bond
   Trustee business (2)    $818,148      $837,988     ($19,840)    (2.4)%

  Noninterest expense    $1,291,245    $1,205,499      $85,746      7.1 %
  Compensation expense
   related to fair
   valued mortgage loans    (32,000)            -      (32,000)  (100.0)
  Leverage lease reserve
   reversal                       -             -            -        -
  E2 initial
   implementation costs,
   net of corporate real
   estate gains             (49,496)       (2,999)     (46,497)       NM
  Decrease in accrued
   liability associated
   with a capital
   instrument                33,552             -       33,552    100.0
  Loss on early
   retirement of
   unhedged fixed rate
   debt carried at cost      (9,800)            -       (9,800)  (100.0)
  Adjusted noninterest
   expense (3)           $1,233,501    $1,202,500      $31,001      2.6 %

  Net income available
   to common
   shareholders            $412,638      $535,588    ($122,950)   (23.0)%
  Severance charge, net
   of tax                    27,902             -       27,902    100.0
  Net income available
   to common shareholders
   excluding severance
   charge (4)              $440,540      $535,588     ($95,048)   (17.7)%

  Diluted net income per
   average common share       $1.18         $1.47       ($0.29)   (19.7)%
  Severance charge, net
   of tax                      0.08             -         0.08    100.0
  Diluted net income per
   average common share
   excluding severance
   charge (4)                 $1.26         $1.47       ($0.21)   (14.3)%

  Noninterest expense    $1,291,245    $1,205,499      $85,746      7.1 %
  Severance charge          (45,004)            -      (45,004)  (100.0)
  Noninterest expense
   excluding severance
   charge (4)            $1,246,241    $1,205,499      $40,742      3.4 %

  Efficiency ratio            63.35 %       59.30 %       4.05 %    6.8 %
  Severance charge            (2.21)            -        (2.21)  (100.0)
  Efficiency ratio
   excluding severance
   charge (4)                 61.14 %       59.30 %       1.84 %    3.1 %


                                            Nine Months Ended
                             September 30  September 30 Increase/(Decrease)
                                 2007          2006       Amount      %(5)

  SELECTED NON-GAAP
   MEASURES PRESENTED IN
   THE EARNINGS RELEASE

  Diluted net income per
   average common share            $4.52         $4.42     $0.10      2.3 %
  Impact of excluding gain on
   sale of shares of The
   Coca-Cola Company               (0.41)            -     (0.41)  (100.0)
  Diluted net income per
   average common share
   excluding gain on sale
   of shares of The Coca-Cola
   Company (1)                     $4.11         $4.42    ($0.31)    (7.0)%

  Noninterest income          $2,852,667    $2,585,806  $266,861     10.3 %
  Net securities
   (gains)/losses               (237,423)       85,854  (323,277)       NM
  Net gain on sale of Bond
   Trustee business                    -      (112,759)  112,759    100.0
  Noninterest income
   excluding net securities
   (gains)/losses and net
   gain on sale of Bond
   Trustee business (2)       $2,615,244    $2,558,901   $56,343      2.2 %

  Noninterest expense         $3,778,436    $3,646,083  $132,353      3.6 %
  Compensation expense
   related to fair valued
   mortgage loans                (44,500)            -   (44,500)  (100.0)
  Leverage lease reserve
   reversal                            -        10,923   (10,923)  (100.0)
  E2 initial implementation
   costs, net of corporate
   real estate gains             (57,596)       (9,933)  (47,663)      NM
  Decrease in accrued
   liability associated with
   a capital instrument           33,552             -    33,552    100.0
  Loss on early retirement of
   unhedged fixed rate debt
   carried at cost                (9,800)            -    (9,800)  (100.0)
  Adjusted noninterest
   expense (3)                $3,700,092    $3,647,073   $53,019      1.5 %

  Net income available to
   common shareholders
  Severance charge, net of tax
  Net income available to
   common shareholders excluding
   severance charge (4)

  Diluted net income per
   average common share
  Severance charge, net of tax
  Diluted net income per
   average common share excluding
   severance charge (4)

  Noninterest expense         $3,778,436    $3,646,083  $132,353      3.6 %
  Severance charge               (45,004)            -   (45,004)  (100.0)
  Noninterest expense excluding
   severance charge (4)       $3,733,432    $3,646,083   $87,349      2.4 %

  Efficiency ratio
  Severance charge
  Efficiency ratio excluding
   severance charge (4)


                                        Three Months Ended
                                                                  Sequential
                                                                     Annual
                       September 30  June 30  Increase/(Decrease)   ized (6)
                           2007        2007      Amount     %(5)        %

  Noninterest income     $819,139  $1,154,622  ($335,483)  (29.1)%     NM%
  Net securities gains       (991)   (236,412)   235,421   (99.6)      NM
  Noninterest income
   excluding net
   securities gains (2)  $818,148    $918,210  ($100,062)  (10.9)%  (43.6)%

  Diluted net income
   per average common
   share                    $1.18       $1.89     ($0.71)  (37.6)%     NM%
  Impact of excluding
   gain on sale of
   shares of The Coca-
   Cola Company                 -       (0.41)      0.41  (100.0)      NM
  Diluted net income
   per average common
   share excluding
   gain on sale of
   shares of The Coca-
   Cola Company (1)         $1.18       $1.48     ($0.30)  (20.3)%  (81.1)%

  Noninterest expense  $1,291,245  $1,251,194    $40,051     3.2 %   12.8 %
  Severance charge        (45,004)          -    (45,004) (100.0)      NM
  Noninterest expense
   excluding severance
   charge (4)          $1,246,241  $1,251,194    ($4,953)   (0.4)%   (1.6)%

  (1) SunTrust presents net income per average common diluted share
      excluding the gain on sale of shares of The Coca-Cola Company. The
      Company believes this measure is more indicative of the Company's
      performance because it excludes a large securities gain that is not a
      customer relationship or customer driven transaction.
  (2) SunTrust presents noninterest income excluding realized net securities
      gains/losses and the net gain on the sale of the Bond Trustee
      business. The Company believes noninterest income without net
      securities gains/losses and the net gain on the sale of the Bond
      Trustee Business is more indicative of the Company's performance
      because it isolates income that is primarily customer relationship and
      customer transaction driven and is more indicative of normalized
      operations.
  (3) SunTrust presents noninterest expense on a basis that excludes certain
      significant non-core expense items because the Company believes the
      exclusion of these items is more indicative of normalized operations.
  (4) SunTrust presents net income available to common shareholders, diluted
      net income per average common share, noninterest expense, and the
      efficiency ratio excluding a severance charge specific to the
      Company's E2 Efficiency and Productivity Program in order to provide
      comparability between periods.
  (5) Any change over 100 percent is labeled as "NM".  Those changes over
      100 percent were not considered to be meaningful.
  (6) Multiply percentage change by 4 to calculate sequential annualized
      change.



  SunTrust Banks, Inc. and Subsidiaries
  QUARTER-TO-QUARTER COMPARISON - ACTUAL
  APPENDIX B TO THE EARNINGS RELEASE
  (Dollars in thousands) (Unaudited)

                                                    Three Months Ended
                                              September 30        June 30
                                                  2007              2007

  STATEMENTS OF INCOME

  NET INTEREST INCOME                         $1,192,188        $1,195,284

  Provision for loan losses                      147,020           104,680
  NET INTEREST INCOME AFTER PROVISION
     FOR LOAN LOSSES                           1,045,168         1,090,604

  NONINTEREST INCOME

  Service charges on deposit accounts            213,939           196,844
  Trust and investment management income         175,242           164,620
  Retail investment services                      71,064            71,785
  Other charges and fees                         120,730           118,358
  Investment banking income                       47,688            61,999
  Trading account profits and commissions        (31,187)           16,437
  Card fees                                       70,450            68,580
  Mortgage production related income              12,950            64,322
  Mortgage servicing related income               57,142            45,527
  Other noninterest income                        80,130           109,738
  Net gain on sale of Bond Trustee business            -                 -
  Net securities gains/(losses)                      991           236,412
       Total noninterest income                  819,139         1,154,622

  NONINTEREST EXPENSE

  Employee compensation and benefits             677,765           710,613
  Net occupancy expense                           87,626            84,650
  Outside processing and software                105,132           100,730
  Equipment expense                               51,532            53,823
  Marketing and customer development              46,897            43,326
  Amortization of intangible assets               24,820            24,904
  Loss on extinguishment of debt                   9,800                 -
  Other noninterest expense                      287,673           233,148
       Total noninterest expense               1,291,245         1,251,194

  INCOME BEFORE INCOME TAXES                     573,062           994,032
  Provision for income taxes                     152,898           312,601
  NET INCOME                                     420,164           681,431
  Preferred dividends                              7,526             7,519
  NET INCOME AVAILABLE TO COMMON
   SHAREHOLDERS                                  412,638           673,912

  Gain on sale of shares of The Coca-
   Cola Company, net of tax                            -          (145,580)
  NET INCOME AVAILABLE TO COMMON
   SHAREHOLDERS EXCLUDING
  THE GAIN ON SALE OF SHARES OF THE
   COCA-COLA COMPANY (1)                        $412,638          $528,332

  REVENUE

  Net interest income                         $1,192,188        $1,195,284
  Taxable-equivalent adjustment                   27,055            24,668
  Net interest income - FTE                    1,219,243         1,219,952
  Noninterest income                             819,139         1,154,622
  Total revenue - FTE                          2,038,382         2,374,574
  Net securities (gains)/losses                     (991)         (236,412)
  Net gain on sale of Bond Trustee business            -                 -
  Total revenue - FTE excluding net
   securities (gains)/losses and net
   gain on sale of Bond Trustee business (1)  $2,037,391        $2,138,162

  SELECTED AVERAGE BALANCES (Dollars in
   millions)

  Average loans
  Commercial                                     $34,248           $33,608
  Real estate home equity lines                   14,133            13,850
  Real estate construction                        13,687            13,710
  Real estate 1-4 family                          31,004            30,754
  Real estate commercial                          12,759            12,732
  Credit card                                        516               404
  Consumer - direct                                4,368             4,347
  Consumer - indirect                              7,966             8,064
  Nonaccrual and restructured                        878               696
       Total loans                              $119,559          $118,165

  Average deposits
  Noninterest bearing deposits                   $21,445           $22,396
  NOW accounts                                    19,544            20,066
  Money market accounts                           22,560            21,773
  Savings                                          4,457             4,787
  Consumer and other time                         28,702            28,905
       Total consumer and commercial deposits     96,708            97,927
  Brokered and foreign deposits                   21,140            23,983
       Total deposits                           $117,848          $121,910

  SELECTED CREDIT DATA

  Nonaccrual loans                              $974,791          $736,800
  Restructured loans                              29,057            27,816
     Total nonperforming loans                 1,003,848           764,616
  Other real estate owned (OREO)                 156,106           100,973
  Other repossessed assets                         9,974             7,250
       Total nonperforming assets             $1,169,928          $872,839

  Allowance for loan and lease losses         $1,093,691        $1,050,362


                                                  Three Months Ended
                                                                Sequential
                                          Increase/(Decrease) Annualized (2)
                                            Amount         %           %

  STATEMENTS OF INCOME

  NET INTEREST INCOME                       ($3,096)     (0.3)%      (1.0)%

  Provision for loan losses                  42,340      40.4          NM
  NET INTEREST INCOME AFTER PROVISION
   FOR LOAN LOSSES                          (45,436)     (4.2)      (16.7)

  NONINTEREST INCOME

  Service charges on deposit accounts        17,095       8.7        34.7
  Trust and investment management income     10,622       6.5        25.8
  Retail investment services                   (721)     (1.0)       (4.0)
  Other charges and fees                      2,372       2.0         8.0
  Investment banking income                 (14,311)    (23.1)      (92.3)
  Trading account profits and commissions   (47,624)       NM          NM
  Card fees                                   1,870       2.7        10.9
  Mortgage production related income        (51,372)    (79.9)         NM
  Mortgage servicing related income          11,615      25.5          NM
  Other noninterest income                  (29,608)    (27.0)         NM
  Net gain on sale of Bond Trustee
   business                                       -         -           -
  Net securities gains/(losses)            (235,421)    (99.6)         NM
       Total noninterest income            (335,483)    (29.1)         NM

  NONINTEREST EXPENSE

  Employee compensation and benefits        (32,848)     (4.6)      (18.5)
  Net occupancy expense                       2,976       3.5        14.1
  Outside processing and software             4,402       4.4        17.5
  Equipment expense                          (2,291)     (4.3)      (17.0)
  Marketing and customer development          3,571       8.2        33.0
  Amortization of intangible assets             (84)     (0.3)       (1.3)
  Loss on extinguishment of debt              9,800     100.0          NM
  Other noninterest expense                  54,525      23.4        93.5
       Total noninterest expense             40,051       3.2        12.8

  INCOME BEFORE INCOME TAXES               (420,970)    (42.3)         NM
  Provision for income taxes               (159,703)    (51.1)         NM
  NET INCOME                               (261,267)    (38.3)         NM
  Preferred dividends                             7       0.1         0.4
  NET INCOME AVAILABLE TO COMMON
   SHAREHOLDERS                            (261,274)    (38.8)         NM
  Gain on sale of shares of The Coca-Cola
   Company, net of tax                      145,580    (100.0)         NM
  NET INCOME AVAILABLE TO COMMON
   SHAREHOLDERS EXCLUDING
  THE GAIN ON SALE OF SHARES OF THE COCA-
   COLA COMPANY (1)                       ($115,694)    (21.9)%     (87.6)%

  REVENUE

  Net interest income                       ($3,096)     (0.3)%      (1.0)%
  Taxable-equivalent adjustment               2,387       9.7        38.7
  Net interest income - FTE                    (709)     (0.1)       (0.2)
  Noninterest income                       (335,483)    (29.1)         NM
  Total revenue - FTE                      (336,192)    (14.2)      (56.6)
  Net securities (gains)/losses             235,421     (99.6)         NM
  Net gain on sale of Bond Trustee
   business                                       -           -         -
  Total revenue - FTE excluding net
   securities (gains)/losses and net gain
   on sale of Bond Trustee business (1)   ($100,771)     (4.7)%     (18.9)%

  SELECTED AVERAGE BALANCES (Dollars in
   millions)

  Average loans
  Commercial                                   $640       1.9 %       7.6 %
  Real estate home equity lines                 283       2.0         8.2
  Real estate construction                      (23)     (0.2)       (0.7)
  Real estate 1-4 family                        250       0.8         3.3
  Real estate commercial                         27       0.2         0.8
  Credit card                                   112      27.7          NM
  Consumer - direct                              21       0.5         1.9
  Consumer - indirect                           (98)     (1.2)       (4.9)
  Nonaccrual and restructured                   182      26.1          NM
       Total loans                           $1,394       1.2 %       4.7 %

  Average deposits
  Noninterest bearing deposits                ($951)     (4.2)%     (17.0)%
  NOW accounts                                 (522)     (2.6)      (10.4)
  Money market accounts                         787       3.6        14.5
  Savings                                      (330)     (6.9)      (27.6)
  Consumer and other time                      (203)     (0.7)       (2.8)
       Total consumer and commercial
        deposits                             (1,219)     (1.2)       (5.0)
  Brokered and foreign deposits              (2,843)    (11.9)      (47.4)
       Total deposits                       ($4,062)     (3.3)%     (13.3)%

  SELECTED CREDIT DATA

  Nonaccrual loans                         $237,991      32.3 %        NM %
  Restructured loans                          1,241       4.5        17.8
     Total nonperforming loans              239,232      31.3          NM
  Other real estate owned (OREO)             55,133      54.6          NM
  Other repossessed assets                    2,724      37.6          NM
       Total nonperforming assets          $297,089      34.0 %        NM %

  Allowance for loan and lease losses       $43,329       4.1 %      16.5 %


                                          Three Months Ended
                              September 30 September 30 Increase/(Decrease)
                                  2007        2006        Amount       %

  STATEMENTS OF INCOME

  NET INTEREST INCOME          $1,192,188  $1,151,392    $40,796      3.5 %

  Provision for loan losses       147,020      61,568     85,452       NM
  NET INTEREST INCOME AFTER
   PROVISION FOR LOAN LOSSES    1,045,168   1,089,824    (44,656)    (4.1)

  NONINTEREST INCOME

  Service charges on deposit
   accounts                       213,939     194,262     19,677     10.1
  Trust and investment
   management income              175,242     173,717      1,525      0.9
  Retail investment services       71,064      55,544     15,520     27.9
  Other charges and fees          120,730     113,347      7,383      6.5
  Investment banking income        47,688      47,046        642      1.4
  Trading account profits and
   commissions                    (31,187)     20,404    (51,591)      NM
  Card fees                        70,450      64,916      5,534      8.5
  Mortgage production related
   income                          12,950      50,336    (37,386)   (74.3)
  Mortgage servicing related
   income                          57,142      36,633     20,509     56.0
  Other noninterest income         80,130      81,783     (1,653)    (2.0)
  Net gain on sale of Bond
   Trustee business                     -     112,759   (112,759)  (100.0)
  Net securities
   gains/(losses)                     991     (91,816)    92,807       NM
       Total noninterest income   819,139     858,931    (39,792)    (4.6)

  NONINTEREST EXPENSE

  Employee compensation and
   benefits                       677,765     674,322      3,443      0.5
  Net occupancy expense            87,626      85,613      2,013      2.4
  Outside processing and
   software                       105,132      98,699      6,433      6.5
  Equipment expense                51,532      50,249      1,283      2.6
  Marketing and customer
   development                     46,897      35,932     10,965     30.5
  Amortization of intangible
   assets                          24,820      25,792       (972)    (3.8)
  Loss on extinguishment of debt    9,800           -      9,800    100.0
  Other noninterest expense       287,673     234,892     52,781     22.5
       Total noninterest
        expense                 1,291,245   1,205,499     85,746      7.1

  INCOME BEFORE INCOME TAXES      573,062     743,256   (170,194)   (22.9)
  Provision for income taxes      152,898     207,668    (54,770)   (26.4)
  NET INCOME                      420,164     535,588   (115,424)   (21.6)
  Preferred dividends               7,526           -      7,526    100.0
  NET INCOME AVAILABLE TO
   COMMON SHAREHOLDERS            412,638     535,588   (122,950)   (23.0)
                                        0
  Gain on sale of shares of
   The Coca-Cola Company, net
   of tax                               -           -          -        -
  NET INCOME AVAILABLE TO
   COMMON SHAREHOLDERS
   EXCLUDING
  THE GAIN ON SALE OF SHARES
   OF THE COCA-COLA COMPANY (1)  $412,638    $535,588  ($122,950)   (23.0)%

  REVENUE

  Net interest income          $1,192,188  $1,151,392    $40,796      3.5 %
  Taxable-equivalent
   adjustment                      27,055      22,468      4,587     20.4
  Net interest income - FTE     1,219,243   1,173,860     45,383      3.9
  Noninterest income              819,139     858,931    (39,792)    (4.6)
  Total revenue - FTE           2,038,382   2,032,791      5,591      0.3
  Net securities (gains)/losses      (991)     91,816    (92,807)      NM
  Net gain on sale of Bond
   Trustee business                     -    (112,759)   112,759    100.0
  Total revenue - FTE
   excluding net securities
   (gains)/losses and net gain
   on sale of Bond Trustee
   business (1)                $2,037,391  $2,011,848    $25,543      1.3 %

  SELECTED AVERAGE BALANCES
   (Dollars in millions)

  Average loans
  Commercial                      $34,248     $34,307       ($59)    (0.2)%
  Real estate home equity lines    14,133      13,626        507      3.7
  Real estate construction         13,687      12,806        881      6.9
  Real estate 1-4 family           31,004      33,876     (2,872)    (8.5)
  Real estate commercial           12,759      12,808        (49)    (0.4)
  Credit card                         516         324        192     59.3
  Consumer - direct                 4,368       4,207        161      3.8
  Consumer - indirect               7,966       8,339       (373)    (4.5)
  Nonaccrual and restructured         878         449        429     95.5
       Total loans               $119,559    $120,742    ($1,183)    (1.0)%

  Average deposits
  Noninterest bearing deposits    $21,445     $22,934    ($1,489)    (6.5)%
  NOW accounts                     19,544      16,596      2,948     17.8
  Money market accounts            22,560      24,267     (1,707)    (7.0)
  Savings                           4,457       5,591     (1,134)   (20.3)
  Consumer and other time          28,702      28,255        447      1.6
     Total consumer and
      commercial deposits          96,708      97,643       (935)    (1.0)
  Brokered and foreign deposits    21,140      27,958     (6,818)   (24.4)
       Total deposits            $117,848    $125,601    ($7,753)    (6.2)%

  SELECTED CREDIT DATA

  Nonaccrual loans               $974,791    $556,489   $418,302     75.2 %
  Restructured loans               29,057      28,934        123      0.4
     Total nonperforming loans  1,003,848     585,423    418,425     71.5
  Other real estate owned
   (OREO)                         156,106      41,690    114,416       NM
  Other repossessed assets          9,974       6,670      3,304     49.5
       Total nonperforming
        assets                 $1,169,928     633,783   $536,145     84.6 %

  Allowance for loan and lease
   losses                      $1,093,691  $1,087,316     $6,375      0.6 %

  (1) SunTrust presents selected financial data on a basis that excludes net
      securities gains/(losses), the gain on the sale of shares of The Coca-
      Cola Company, and net gain on sale of Bond Trustee business.  The
      Company believes the exclusion of these items is more indicative of
      the Company's performance because it isolates income that is primarily
      customer relationship and customer transaction driven and is more
      indicative of normalized operations.
  (2) Multiply percentage change by 4 to calculate sequential annualized
      change.  Any sequential annualized change over 100 percent is labeled
      as "NM" because 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
  (Dollars in thousands) (Unaudited)

                                            Nine Months Ended
                             September 30 September 30  Increase/(Decrease)
                                  2007        2006       Amount       % (1)

  STATEMENTS OF INCOME

  NET INTEREST INCOME          $3,552,031  $3,499,176    $52,855      1.5 %

  Provision for loan losses       308,141     146,730    161,411       NM
  NET INTEREST INCOME AFTER
   PROVISION FOR LOAN LOSSES    3,243,890   3,352,446   (108,556)    (3.2)

  NONINTEREST INCOME

  Service charges on deposit
   accounts                       599,818     572,092     27,726      4.8
  Trust and investment
   management income              514,180     517,617     (3,437)    (0.7)
  Retail investment services      206,392     168,974     37,418     22.1
  Other charges and fees          357,225     339,677     17,548      5.2
  Investment banking income       159,844     159,342        502      0.3
  Trading account profits and
   commissions                     75,451     103,461    (28,010)   (27.1)
  Card fees                       203,225     183,460     19,765     10.8
  Mortgage production related
   income                          68,617     169,952   (101,335)   (59.6)
  Mortgage servicing related
   income                         138,072     112,744     25,328     22.5
  Net gain on sale upon merger
   of Lighthouse Partners          32,340           -     32,340    100.0
  Net gain on sale of Bond
   Trustee business                     -     112,759   (112,759)  (100.0)
  Other noninterest income        260,080     231,582     28,498     12.3
  Net securities gains/(losses)   237,423     (85,854)   323,277       NM
       Total noninterest income 2,852,667   2,585,806    266,861     10.3

  NONINTEREST EXPENSE

  Employee compensation and
   benefits                     2,087,378   2,068,360     19,018      0.9
  Net occupancy expense           258,533     248,367     10,166      4.1
  Outside processing and
   software                       305,538     292,038     13,500      4.6
  Equipment expense               154,764     147,804      6,960      4.7
  Marketing and customer
   development                    135,928     127,956      7,972      6.2
  Amortization of intangible
   assets                          73,266      78,922     (5,656)    (7.2)
  Loss on extinguishment of
   debt                             9,800           -      9,800    100.0
  Other noninterest expense       753,229     682,636     70,593     10.3
       Total noninterest
        expense                 3,778,436   3,646,083    132,353      3.6


  INCOME BEFORE INCOME TAXES    2,318,121   2,292,169     25,952      1.1
  Provision for income taxes      695,230     681,052     14,178      2.1
  NET INCOME                    1,622,891   1,611,117     11,774      0.7
  Preferred dividends              22,408           -     22,408    100.0
  NET INCOME AVAILABLE TO
   COMMON SHAREHOLDERS          1,600,483   1,611,117    (10,634)    (0.7)
  Gain on sale of shares of
   The Coca-Cola Company, net
   of tax                        (145,580)          -   (145,580)  (100.0)
  NET INCOME AVAILABLE TO
   COMMON SHAREHOLDERS
   EXCLUDING THE GAIN ON SALE
   OF SHARES OF THE COCA-COLA
   COMPANY (2)                 $1,454,903  $1,611,117  ($156,214)    (9.7)%


  REVENUE  AND NONINTEREST
   EXPENSE

  Net interest income          $3,552,031  $3,499,176    $52,855      1.5 %
  Taxable-equivalent
   adjustment                      75,436      64,089     11,347     17.7
  Net interest income - FTE     3,627,467   3,563,265     64,202      1.8
  Noninterest income            2,852,667   2,585,806    266,861     10.3
  Total revenue - FTE           6,480,134   6,149,071    331,063      5.4
  Net securities (gains)/losses  (237,423)     85,854    323,277       NM
  Net gain on sale of Bond
   Trustee business                     -    (112,759)  (112,759)  (100.0)
  Total revenue - FTE excluding
   net securities (gains)/losses
   and net gain on sale of Bond
   Trustee business (2)        $6,242,711  $6,122,166   $120,545      2.0 %

  SELECTED AVERAGE BALANCES
   (Dollars in millions)

  Average loans
  Commercial                      $33,964     $33,793       $171      0.5 %
  Real estate home equity lines    13,908      13,512        396      2.9
  Real estate construction         13,610      12,041      1,569     13.0
  Real estate 1-4 family           31,938      33,246     (1,308)    (3.9)
  Real estate commercial           12,774      12,810        (36)    (0.3)
  Credit card                         430         303        127     41.9
  Consumer - direct                 4,313       4,577       (264)    (5.8)
  Consumer - indirect               8,064       8,425       (361)    (4.3)
  Nonaccrual and restructured         738         359        379       NM
       Total loans               $119,739    $119,066       $673      0.6 %

  Average deposits
  Noninterest bearing deposits    $21,923     $23,560    ($1,637)    (6.9)%
  NOW accounts                     19,809      16,801      3,008     17.9
  Money market accounts            22,142      24,990     (2,848)   (11.4)
  Savings                           4,754       5,349       (595)   (11.1)
  Consumer and other time          28,843      26,011      2,832     10.9
     Total consumer and
      commercial deposits          97,471      96,711        760      0.8
  Brokered and foreign deposits    23,925      26,614     (2,689)   (10.1)
       Total deposits            $121,396    $123,325    ($1,929)    (1.6)%

  (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 net
      securities gains/(losses), the gain on the sale of shares of The Coca-
      Cola Company, and net gain on sale of Bond Trustee business.  The
      Company believes the exclusion of these items is more indicative of
      the Company's performance because it isolates income that is primarily
      customer relationship and customer transaction driven and is more
      indicative of normalized operations.

PRNewswire-FirstCall -- Oct. 18
SECOND AND FINAL ADD -- TABULAR MATERIAL -- TO FOLLOW

SOURCE: SunTrust Banks, Inc.