Synovus Financial (SNV) 8-K Synovus Reports 19.5% Increase in Net Income for 2006

Exhibit 99.2

	Synovus						5 of 12
		INCOME STATEMENT		Twelve Months Ended
		(In thousands, except per share data)		December 31,
				2006	2005	Change
		Interest Income (Taxable Equivalent)	$	2,022,294	1,502,664	34.6	%
		Interest Expense		882,592	527,378	67.4
		Net Interest Income (Taxable Equivalent)		1,139,702	975,286	16.9
		Tax Equivalent Adjustment		5,828	6,439	(9.5)
		Net Interest Income		1,133,874	968,847	17.0
		Provision for Loan Losses		75,148	82,532	(8.9)
		Net Interest Income After Provision		1,058,726	886,315	19.5
		Non-Interest Income:
		Electronic Payment Processing Services		985,869	867,914	13.6
		Merchant Services		260,275	237,418	9.6
		Other Transaction Processing Services Revenue		186,394	183,412	1.6
		Service Charges on Deposits		112,417	109,960	2.2
		Fiduciary and Asset Management Fees		47,800	44,886	6.5
		Brokerage and Investment Banking Revenue		26,729	24,487	9.2
		Mortgage Banking Income		29,255	28,682	2.0
		Bankcard Fees		44,303	38,813	14.1
		Securities Gains (Losses)		(2,118)	463	Nm
		Other Fee Income		38,743	34,148	13.5
		Other Non-Interest Income		52,200	36,016	44.9
		Non-Interest Income before Reimbursable Items		1,781,867	1,606,199	10.9
		Reimbursable Items		351,719	312,280	12.6
		Total Non-Interest Income		2,133,586	1,918,479	11.3
		Non-Interest Expense:
		Personnel Expense		974,515	836,371	16.5
		Occupancy & Equipment Expense		414,169	368,210	12.5
		Other Non-Interest Expense		430,274	426,530	0.9
		Non-Interest Expense before Reimbursable Items		1,818,958	1,631,111	11.5
		Reimbursable Items		351,719	312,280	12.6
		Total Non-Interest Expense		2,170,677	1,943,391	11.7
		Minority Interest in Consolidated Subsidiaries		48,102	37,381	28.7
		Income Before Taxes		973,533	824,022	18.1
		Income Tax Expense		356,616	307,576	15.9
		Net Income	$	616,917	516,446	19.5
		Basic Earnings Per Share	$	1.92	1.66	15.8	%
		Diluted Earnings Per Share		1.90	1.64	16.0
		Dividends Declared Per Share		0.78	0.73	6.8
		Return on Assets		2.07	1.96	11	bp
		Return on Equity		18.31	18.45	(14)
		Average Shares Outstanding - Basic		321,241	311,495	3.1	%
		Average Shares Outstanding - Diluted		324,232	314,815	3.0
bp - change is measured as difference in basis points.
nm - not meaningful

SYNOVUS												6 of 12
	INCOME STATEMENT
	(In thousands, except per share data)		2006								2005		4th Quarter
			Fourth Quarter		Third Quarter		Second Quarter		First Quarter		Fourth Quarter		'06 vs. '05 Change
	Interest Income (Taxable Equivalent)	$	547,088		535,038		499,191		440,977		420,898		30.0	%
	Interest Expense		253,998		241,027		210,510		177,057		159,237		59.5
	Net Interest Income (Taxable Equivalent)		293,090		294,011		288,681		263,920		261,661		12.0
	Tax Equivalent Adjustment		1,458		1,409		1,478		1,484		1,566		(6.9)
	Net Interest Income		291,632		292,602		287,203		262,436		260,095		12.1
	Provision for Loan Losses		18,675		18,390		18,534		19,549		20,787		(10.2)
	Net Interest Income After Provision		272,957		274,212		268,669		242,887		239,308		14.1
	Non-Interest Income:
	Electronic Payment Processing Services		302,370		230,273		234,519		220,472		223,844		35.1
	Merchant Services		64,957		65,548		65,820		63,949		67,409		(3.6)
	Other Transaction Processing Services Revenue		51,634		44,813		45,001		44,946		45,544		13.4
	Service Charges on Deposits		28,136		29,292		28,800		26,189		28,036		0.4
	Fiduciary and Asset Management Fees		12,710		11,868		11,509		11,713		11,544		10.1
	Brokerage and Investment Banking Revenue		6,721		6,502		6,559		6,947		6,616		1.6
	Mortgage Banking Income		6,837		8,440		8,105		5,873		7,078		(3.4)
	Bankcard Fees		11,218		11,438		11,093		10,554		10,916		2.8
	Securities Gains (Losses)		-		(982)		(1,062)		(74)		(135)		nm
	Other Fee Income		9,079		10,024		10,357		9,283		9,709		(6.5)
	Other Non-Interest Income		21,707		10,056		10,915		9,522		6,835		nm
	Non-Interest Income before Reimbursable Items		515,369		428,753		428,371		409,375		417,396		23.5
	Reimbursable Items		83,894		99,187		86,138		82,500		84,306		(0.5)
	Total Non-Interest Income		599,263		527,940		514,509		491,875		501,702		19.4
	Non-Interest Expense:
	Personnel Expense		256,691		256,220		233,847		227,758		224,251		14.5
	Occupancy & Equipment Expense		116,470		100,504		99,495		97,700		93,965		24.0
	Other Non-Interest Expense		115,755		98,995		109,690		105,836		110,608		4.7
	Non-Interest Expense before Reimbursable Items		488,916		455,719		443,032		431,294		428,824		14.0
	Reimbursable Items		83,894		99,187		86,138		82,500		84,306		(0.5)
	Total Non-Interest Expense		572,810		554,905		529,170		513,794		513,130		11.6
	Minority Interest in Consolidated Subsidiaries		16,790		10,406		11,165		9,740		9,571		75.4
	Income Before Taxes		282,620		236,840		242,843		211,228		218,309		29.5
	Income Tax Expense		107,073		82,774		90,046		76,722		81,049		32.1
	Net Income	$	175,547		154,066		152,797		134,506		137,260		27.9
	Basic Earnings Per Share	$	0.54		0.48		0.47		0.43		0.44		23.1
	Diluted Earnings Per Share		0.54		0.47		0.47		0.43		0.44		22.9
	Dividends Declared Per Share		0.20		0.20		0.20		0.20		0.18		6.8
	Return on Assets		2.22	%	2.00	%	2.07	%	1.96	%	2.00	%	22	bp
	Return on Equity		19.03		17.63		18.45		17.88		18.74		29
	Average Shares Outstanding - Basic		324,555		323,657		322,783		313,639		312,298		3.9	%
	Average Shares Outstanding - Diluted		328,122		326,834		325,421		316,208		315,280		4.1
bp - change is measured as difference in basis points.
nm - not meaningful

SYNOVUS					7 of 12
Financial Services Segment
	INCOME STATEMENT		Twelve Months Ended
	(In thousands)		December 31,
			2006	2005	Change
	Interest Income (Taxable Equivalent)	$	2,022,257	1,502,648	34.6	%
	Interest Expense		890,677	531,046	67.7
	Net Interest Income (Taxable Equivalent)		1,131,580	971,602	16.5
	Tax Equivalent Adjustment		5,791	6,386	(9.3)
	Net Interest Income		1,125,789	965,216	16.6
	Provision for Loan Losses		75,148	82,532	(8.9)
	Net Interest Income After Provision		1,050,641	882,684	19.0
	Non-Interest Income:
	Service Charges on Deposits		112,417	109,960	2.2
	Fiduciary and Asset Management Fees		48,627	45,454	7.0
	Brokerage and Investment Banking Revenue		26,729	24,487	9.2
	Mortgage Banking Income		29,255	28,682	2.0
	Bankcard Fees		44,303	38,813	14.1
	Securities Gains (Losses)		(2,118)	463	Nm
	Other Fee Income		38,743	34,148	13.5
	Other Non-Interest Income		61,474	45,407	35.4
	Total Non-Interest Income		359,430	327,413	9.8
	Non-Interest Expense:
	Personnel Expense		450,373	370,223	21.8
	Occupancy & Equipment Expense		100,269	90,549	10.7
	Other Non-Interest Expense		213,891	185,985	15.0
	Total Non-Interest Expense		764,533	646,758	18.3
	Income Before Taxes		645,538	563,340	14.6
	Income Tax Expense		230,435	204,290	12.8
	Net Income	$	415,103	359,050	15.6
	Return on Assets		1.45	1.43	2	bp
	Return on Equity		16.77	17.59	(82)
bp - change is measured as difference in basis points.
nm - not meaningful

Synovus													8 of 12
Financial Services Segment
	INCOME STATEMENT
	(In thousands)		2006								2005		4th Quarter
			Fourth		Third		Second		First		Fourth		'06 vs. '05
			Quarter		Quarter		Quarter		Quarter		Quarter		Change
	Interest Income (Taxable Equivalent)	$	547,079		535,025		499,184		440,969		420,892		30.0	%
	Interest Expense		256,760		242,875		212,499		178,544		160,509		60.0
	Net Interest Income (Taxable Equivalent)		290,319		292,150		286,685		262,425		260,383		11.5
	Tax Equivalent Adjustment		1,448		1,395		1,471		1,476		1,558		(7.1)
	Net Interest Income		288,871		290,755		285,214		260,949		258,825		11.6
	Provision for Loan Losses		18,675		18,390		18,534		19,549		20,787		(10.2)
	Net Interest Income After Provision		270,196		272,365		266,680		241,400		238,038		13.5
	Non-Interest Income:
	Service Charges on Deposits		28,136		29,862		29,409		26,712		28,572		0.4
	Fiduciary and Asset Management Fees		12,921		12,077		11,720		11,910		11,728		10.2
	Brokerage and Investment Banking Revenue		6,721		6,502		6,559		6,947		6,616		1.6
	Mortgage Banking Income		6,837		8,440		8,105		5,873		7,078		(3.4)
	Bankcard Fees		11,218		11,438		11,093		10,554		10,916		2.8
	Securities Gains (Losses)		-		(982)		(1,062)		(74)		(135)		nm
	Other Fee Income		9,079		9,679		10,038		8,950		9,377		(6.5)
	Other Non-Interest Income		22,682		12,528		13,881		12,381		11,030		nm
	Total Non-Interest Income		97,594		89,319		89,453		83,063		84,978		14.8
	Non-Interest Expense:
	Personnel Expense		115,131		113,842		113,951		107,449		95,670		19.7
	Occupancy & Equipment Expense		26,370		25,566		24,835		23,498		24,577		7.3
	Other Non-Interest Expense		61,930		51,899		52,064		47,999		49,768		24.4
	Total Non-Interest Expense		203,430		191,307		190,850		178,946		170,015		20.0
	Income Before Taxes		164,360		170,377		165,283		145,517		153,001		7.4
	Income Tax Expense		59,384		60,394		58,899		51,757		55,949		6.1
	Net Income	$	104,976		109,983		106,384		93,760		97,052		8.2
	Return on Assets		1.39	%	1.49	%	1.50	%	1.43	%	1.47	%	(8)	bp
	Return on Equity		15.45		17.04		17.42		17.17		18.30		(285)
bp - change is measured as difference in basis points.
nm - not meaningful

SYNOVUS					9 of 12
	BALANCE SHEET		December 31, 2006	September 30, 2006	December 31, 2005
	(In thousands, except share data)
	ASSETS
	Cash and due from banks	$	887,546	790,602	880,886
	Interest earning deposits with banks		19,389	17,444	2,980
	Federal funds sold and securities purchased
	under resale agreements		101,091	308,300	68,922
	Trading account assets		15,266	15,031	27,322
	Mortgage loans held for sale		175,042	158,690	143,144
	Investment securities available for sale		3,352,357	3,269,889	2,958,320
	Loans, net of unearned income		24,654,552	24,192,596	21,392,347
	Allowance for loan losses		(314,459)	(319,973)	(289,612)
	Loans, net		24,340,093	23,872,623	21,102,735
	Premises and equipment, net		752,738	723,974	669,425
	Contract acquisition costs and computer software, net		380,746	403,702	431,849
	Goodwill, net		668,723	681,720	458,382
	Other intangible assets, net		63,522	50,900	44,867
	Other assets		1,108,445	1,052,007	831,840
	Total assets	$	31,864,958	31,344,882	27,620,672
	LIABILITIES AND SHAREHOLDERS' EQUITY
	Liabilities:
	Deposits:
	Non-interest bearing retail and commercial deposits	$	3,538,598	3,659,629	3,700,750
	Interest bearing retail and commercial deposits		17,741,354	17,103,778	14,798,845
	Total retail and commercial deposits		21,279,952	20,763,407	18,499,595
	Brokered time deposits		3,004,211	3,199,157	2,284,770
	Total deposits		24,284,163	23,962,564	20,784,365
	Federal funds purchased and other short-term
	borrowings		1,572,809	1,582,037	1,158,669
	Long-term debt		1,349,056	1,363,519	1,933,638
	Other liabilities		717,873	654,742	597,698
	Total liabilities		27,923,901	27,562,862	24,474,370
	Minority interest in consolidated subsidiaries		236,709	218,073	196,973
	Shareholders' equity:
	Common stock, par value $1.00 a share (1)		331,214	330,474	318,301
	Surplus		1,033,013	1,009,976	686,447
	Treasury stock (2)		(113,944)	(113,944)	(113,944)
	Unearned compensation		-	-	(3,126)
	Accumulated other comprehensive income (loss)		(2,955)	(7,519)	(29,536)
	Retained earnings		2,457,020	2,344,960	2,091,187
	Total shareholders' equity (3)		3,704,348	3,563,947	2,949,329
	Total liabilities and shareholders' equity	$	31,864,958	31,344,882	27,620,672
(1)	Common shares outstanding: 325,552,375; 324,812,048; and 312,639,737 at December 31, 2006, September 30, 2006, December 31, 2005, respectively
(2)	Treasury shares: 5,661,538 at December 31, 2006, September 30, 2006, and December 31, 2005.
(3)	Book value per share: $11.38; $10.97; and $9.43 at December 31, 2006, September 30, 2006, and December 31, 2005, respectively.

SYNOVUS												10 of 12
AVERAGE BALANCES AND YIELDS/RATES
(Dollars in thousands)
			2006				2005			Twelve Months Ended
			Fourth		Third	Second	First	Fourth		December 31,
			Quarter		Quarter	Quarter	Quarter	Quarter		2006		2005
Interest Earning Assets
Taxable Investment Securities		$	3,178,852		3,025,507	3,008,122	2,823,306	2,713,238	$	3,009,962		2,609,113
	Yield		4.51	%	4.39	4.21	4.08	3.87		4.31	%	3.78
Tax-Exempt Investment Securities		$	197,737		197,024	202,676	201,432	208,265	$	198,692		216,773
	Yield		6.95	%	6.70	6.73	6.86	6.90		6.81	%	6.94
Trading Account Assets		$	34,471		53,181	47,398	37,659	26,006	$	43,201		11,380
	Yield		6.67	%	5.30	5.72	7.42	6.97		6.14	%	5.64
Commercial Loans		$	20,814,076		20,430,469	19,746,392	18,377,498	17,881,828	$	19,850,396		17,237,330
	Yield		8.24	%	8.22	7.98	7.58	7.25		8.02	%	6.69
Consumer Loans		$	905,552		906,634	875,171	835,520	845,251	$	880,982		841,447
	Yield		8.18	%	8.17	8.09	7.89	7.87		8.09	%	7.63
Mortgage Loans		$	1,089,794		1,091,425	1,071,477	1,039,741	1,036,041	$	1,073,296		1,025,034
	Yield		6.99	%	6.93	6.82	6.67	6.44		6.86	%	6.33
Credit Card Loans		$	268,705		265,120	260,010	260,251	257,691	$	263,549		251,959
	Yield		10.89	%	10.86	10.81	10.81	10.19		10.85	%	10.17
Home Equity Loans		$	1,316,842		1,252,802	1,231,592	1,188,153	1,167,361	$	1,247,715		1,113,914
	Yield		7.82	%	7.97	7.69	7.30	6.85		7.70	%	6.19
Allowance for Loan Losses		$	(317,603)		(318,195)	(307,674)	(294,817)	(286,846)	$	(309,658)		(279,534)
Loans, Net		$	24,077,366		23,628,256	22,876,968	21,406,345	20,901,326	$	23,006,280		20,190,150
	Yield		8.29	%	8.29	8.06	7.67	7.35		8.09	%	6.82
Mortgage Loans Held for Sale		$	149,113		130,196	132,605	117,085	121,665	$	132,332		113,969
	Yield		6.02	%	6.51	7.08	6.61	6.48		6.54	%	6.41
Federal Funds Sold and Time Deposits
with Banks		$	120,804		155,201	139,924	118,772	119,606	$	133,740		127,171
	Yield		5.40	%	5.32	5.07	4.42	4.26		5.08	%	3.35
Total Interest Earning Assets		$	27,754,344		27,189,364	26,407,692	24,704,601	24,090,106	$	26,524,206		23,268,556
	Yield		7.83	%	7.81	7.58	7.23	6.94		7.62	%	6.46
Interest Bearing Liabilities
Interest Bearing Demand Deposits		$	3,034,375		2,946,646	3,040,292	3,004,244	2,989,754	$	3,006,308		2,975,016
	Rate		2.18	%	2.03	1.81	1.63	1.39		1.92	%	1.18
Money Market Accounts		$	6,956,181		6,587,365	6,196,865	5,800,154	5,619,551	$	6,388,862		5,193,943
	Rate		4.45	%	4.38	4.00	3.55	3.13		4.13	%	2.56
Savings Deposits		$	514,317		547,779	573,776	535,475	534,533	$	542,793		555,205
	Rate		0.72	%	0.72	0.69	0.47	0.40		0.65	%	0.35
Time Deposits Under $100,000		$	3,003,141		2,917,518	2,738,528	2,501,504	2,408,591	$	2,791,759		2,294,158
			4.64	%	4.38	3.92	3.55	3.28		4.15		2.88
Time Deposits Over $100,000 (less brokered
time deposits)		$	3,997,493		3,756,853	3,362,304	3,067,094	2,864,382	$	3,549,200		2,624,623
	Rate		5.07	%	4.92	4.44	4.01	3.67		4.66	%	3.23
Total Interest Bearing Core Deposits			17,505,508		16,756,161	15,911,765	14,908,471	14,416,811		16,278,922		13,642,945
	Rate		4.12	%	3.97	3.54	3.15	2.80		3.72	%	2.35
Brokered Time Deposits		$	3,137,889		3,165,905	2,740,674	2,364,383	2,443,105	$	2,855,191		2,557,660
	Rate		5.01	%	4.85	4.57	4.24	3.89		4.70	%	3.39
Total Interest Bearing Deposits		$	20,643,396		19,922,066	18,652,438	17,272,854	16,859,916	$	19,134,113		16,200,605
	Rate		4.26	%	4.11	3.69	3.30	2.96		3.87	%	2.51
Federal Funds Purchased and Other
Short-Term Borrowings		$	1,283,832		1,553,699	1,772,113	1,530,099	939,008	$	1,534,312		1,103,005
	Rate		4.72	%	4.73	4.76	4.28	3.72		4.59	%	2.86
Long-Term Debt		$	1,360,634		1,364,227	1,586,586	1,774,804	2,184,538	$	1,519,997		2,087,749
	Rate		4.90	%	4.57	4.42	4.62	4.44		4.62	%	4.18
Total Interest Bearing Liabilities		$	23,287,863		22,839,991	22,011,138	20,577,757	19,983,462	$	22,188,422		19,391,359
	Rate		4.32	%	4.18	3.83	3.48	3.16		3.97	%	2.72
Non-Interest Bearing Demand Deposits		$	3,469,233		3,528,942	3,511,554	3,443,867	3,509,219	$	3,488,580		3,408,289
Shareholders' Equity		$	3,659,996		3,467,029	3,321,397	3,050,256	2,906,223	$	3,369,954		2,799,496
Total Assets		$	31,307,991		30,613,827	29,563,064	27,792,577	27,164,366	$	29,831,172		26,291,490
Net Interest Margin			4.20	%	4.30	4.39	4.32	4.32		4.30	%	4.19

SYNOVUS							11 of 12
LOANS OUTSTANDING AND NONPERFORMING LOANS COMPOSITION
(Dollars in thousands)
		December 31, 2006
			Loans as a % of Total Loans Outstanding			Total Nonperforming Loans	Nonperforming Loans as a % of Total Nonperforming Loans
Loan Type		Total Loans
Commercial Real Estate
Multi-Family	$	505,586	2.0	%	$	168	0.2	%
Hotels		643,180	2.6			1,270	1.3
Office Buildings		881,658	3.6			4,333	4.5
Shopping Centers		764,924	3.1			-	-
Commercial Development		876,570	3.6			-	0.0
Other Investment Property		434,298	1.8			73	0.1
Total Investment Properties		4,106,216	16.7			5,844	6.1
1-4 Family Construction		2,347,025	9.5			5,600	5.8
1-4 Family Perm / Mini-Perm		1,193,895	4.8			7,763	8.0
Residential Development		2,036,207	8.3			1,889	2.0
Total 1-4 Family Properties		5,577,127	22.6			15,252	15.8
Land Acquisition		1,402,402	5.7			8,429	8.7
Total Investment-Related Real Estate		11,085,745	45.0			29,525	30.6
Owner-Occupied		3,138,264	12.7			9,786	10.1
Other Property		942,479	3.8			5,722	5.9
Total Commercial Real Estate		15,166,488	61.5			45,033	46.6
Commercial & Industrial		5,875,854	23.8			41,869	43.3
Home Equity		1,364,030	5.6			3,330	3.5
Consumer Mortgages		1,517,849	6.2			4,413	4.6
Credit Card		276,269	1.1			-	0.0
Other Consumer Loans		500,757	2.0			1,978	2.0
Total Consumer		3,658,905	14.9			9,721	10.1
Unearned Income		(46,695)	(0.2)			-
Total	$	24,654,552	100.0	%	$	96,623	100.0	%

LOANS OUTSTANDING BY TYPE COMPARISON
(Dollars in thousands)
		Total Loans		4Q06 vs. 3Q06				4Q06 vs. 4Q05
Loan Type		December 31, 2006	September 30, 2006	% change (1)			December 31, 2005	% change (2)
Commercial Real Estate
Multi-Family	$	505,586	517,644	(9.2)	%	$	529,263	(4.5)	%
Hotels		643,180	642,330	0.5			686,101	(6.3)
Office Buildings		881,658	888,397	(3.0)			757,863	16.3
Shopping Centers		764,924	749,189	8.3			667,443	14.6
Commercial Development		876,570	958,636	(34.0)			860,458	1.9
Other Investment Property		434,298	406,880	26.7			373,148	16.4
Total Investment Properties		4,106,216	4,163,076	(5.4)			3,874,276	6.0
1-4 Family Perm / Mini-Perm		1,193,895	1,199,959	(2.0)			1,094,280	9.1
Residential Development		2,036,207	1,963,061	14.8			1,490,948	36.6
Total 1-4 Family Properties		5,577,127	5,407,906	12.4			4,138,274	34.8
Land Acquisition		1,402,402	1,307,168	28.9			1,125,608	24.6
Total Investment-Related Real Estate		11,085,745	10,878,150	7.6			9,138,158	21.3
Owner-Occupied		3,138,264	3,048,902	11.6			2,706,883	15.9
Other Property		942,479	1,048,866	(40.2)			978,143	(3.6)
Total Commercial Real Estate		15,166,488	14,975,918	5.0			12,823,184	18.3
Commercial & Industrial		5,875,854	5,711,488	11.4			5,268,042	11.5
Home Equity		1,364,030	1,272,804	28.4			1,187,205	14.9
Consumer Mortgages		1,517,849	1,512,091	1.5			1,372,134	10.6
Credit Card		276,269	266,205	15.0			268,348	3.0
Other Consumer Loans		500,757	506,490	(4.5)			521,521	(4.0)
Total Consumer		3,658,905	3,557,590	11.3			3,349,208	9.2
Unearned Income		(46,695)	(52,400)	(43.2)			(48,087)	(2.9)
Total	$	24,654,552	24,192,596	7.6	%	$	21,392,347	15.2	%

(1)

Percentage is annualized.

(2)

The percentage change comparison to prior periods is impacted by the acquisitions of Riverside Bancshares, Inc. (Riverside) and Banking Corporation of Florida (First Florida), which were completed on March 24, 2006 and March 31, 2006, respectively. Riverside and First Florida contributed $482 million, respectively, in total loans. Excluding the impact of Riverside and First Florida the year-over-year growth is 11.4%.

SYNOVUS							12 of 12
CREDIT QUALITY DATA
(Dollars in thousands)		2006				2005	4th Quarter
		Fourth	Third	Second	First	Fourth	'06 vs. '05
		Quarter	Quarter	Quarter	Quarter	Quarter	Change
Nonperforming Loans	$	96,623	94,766	88,805	80,061	82,175	17.6	%
Other Real Estate		25,923	31,549	25,634	20,357	16,500	57.1
Nonperforming Assets		122,545	126,315	114,439	100,418	98,675	24.2
Allowance for Loan Losses		314,459	319,973	313,694	300,866	289,612	8.6
Net Charge-Offs - Quarter		24,190	12,111	9,528	14,388	14,732	64.2
Net Charge-Offs - YTD		60,217	36,027	23,916	14,388	58,665	2.6
Net Charge-Offs / Average Loans - Quarter		0.39	0.20	0.17	0.27	0.28
Net Charge-Offs / Average Loans - YTD		0.26	0.21	0.21	0.27	0.29
Nonperforming Loans / Loans & ORE		0.39	0.39	0.38	0.36	0.38
Nonperforming Assets / Loans & ORE		0.50	0.52	0.48	0.45	0.46
Allowance / Loans		1.28	1.32	1.33	1.34	1.35
Allowance / Nonperforming Loans		325.45	337.65	353.24	375.79	352.43
Allowance / Nonperforming Assets		256.61	253.31	274.11	299.61	293.50
Past Due Loans over 90 days		34,031	18,002	19,340	17,376	16,023
As a Percentage of Loans Outstanding		0.14	0.07	0.08	0.08	0.07
Total Past Dues		154,027	140,526	111,464	114,744	93,807
As a Percentage of Loans Outstanding		0.62	0.58	0.47	0.51	0.44

REGULATORY CAPITAL RATIOS (1)
(Dollars in thousands)
		December 31, 2006		September 30, 2006	December 31, 2005
Tier 1 Capital	$	3,253,327		3,067,156	2,660,704
Total Risk-Based Capital		4,317,786		4,137,129	3,700,315
Tier 1 Capital Ratio		10.84	%	10.36	10.23
Total Risk-Based Capital Ratio		14.39		13.98	14.23
Leverage Ratio		10.64		10.28	9.99
(1) December 31, 2006 information is preliminary.