Synovus Financial (SNV) 8-K Synovus Reports Earnings per Share of $0.43 for Third Quarter 2007

Exhibit 99.2

Synovus

5 of 12

INCOME STATEMENTS

(Unaudited)	Nine Months Ended
(In thousands, except per share data)	September 30,
	2007			2006			Change
Interest Income (Taxable Equivalent)	$	1,688,504			1,475,205			14.5	%
Interest Expense		812,284			628,594			29.2
Net Interest Income (Taxable Equivalent)		876,220			846,611			3.6
Tax Equivalent Adjustment		3,887			4,369			(11.0	)
Net Interest Income		872,333			842,242			3.5
Provision for Loan Losses		99,566			56,473			76.3
Net Interest Income After Provision		772,767			785,769			(1.7	)
Non-Interest Income:
Electronic Payment Processing Services		710,648			683,499			4.0
Merchant Acquiring Services		190,120			195,318			(2.7	)
Other Transaction Processing Services Revenue		161,910			134,760			20.1
Service Charges on Deposits		83,156			84,281			(1.3	)
Fiduciary and Asset Management Fees		37,002			35,090			5.4
Brokerage and Investment Banking Revenue		23,381			20,009			16.9
Mortgage Banking Income		20,876			22,419			(6.9	)
Bankcard Fees		35,370			33,085			6.9
Securities Gains (Losses)		891			(2,119	)	nm
Other Fee Income		29,749			29,664			0.3
Other Non-Interest Income		55,339			30,491			81.5
Non-Interest Income before Reimbursable Items		1,348,442			1,266,497			6.5
Reimbursable Items		279,727			267,825			4.4
Total Non-Interest Income		1,628,169			1,534,322			6.1
Non-Interest Expense:
Personnel Expense		777,842			717,825			8.4
Occupancy and Equipment Expense		284,556			297,700			(4.4	)
Other Non-Interest Expense		302,637			314,518			(3.8	)
Spin-off Related Expenses		6,298			—		nm
Non-Interest Expense before Reimbursable Items		1,371,333			1,330,043			3.1
Reimbursable Items		279,727			267,825			4.4
Total Non-Interest Expense		1,651,060			1,597,868			3.3
Minority Interest in Consolidated Subsidiaries		38,139			31,311			21.8
Income from Continuing Operations before Income Taxes		711,737			690,912			3.0
Income Taxes		264,351			249,542			5.9
Income from Continuing Operations		447,386			441,370			1.4
Discontinued Operations, Net of Income Taxes		4,200			—		nm
Net Income	$	451,586			441,370			2.3
Basic Earnings Per Share
Income from Continuing Operations	$	1.37			1.38			(0.6	)%
Net Income		1.38			1.38			0.3
Diluted Earnings Per Share
Income from Continuing Operations		1.36			1.37			(0.8	)
Net Income		1.37			1.37			0.1
Dividends Declared Per Share		0.62			0.59			5.1
Return on Average Assets *		1.85	%		2.01		(16)bp
Return on Average Equity *		15.52			18.04			(252	)
Average Shares Outstanding — Basic		326,443			320,063			2.0	%
Average Shares Outstanding — Diluted		330,001			322,860			2.2

bp — change is measured as difference in basis points.
nm — not meaningful
* -ratios are annualized

Synovus 6 of 12

INCOME STATEMENTS

(Unaudited)
(In thousands, except per share data)	2007							2006					3rd Quarter
	Third			Second		First		Fourth		Third			’07 vs. ’06
	Quarter			Quarter		Quarter		Quarter		Quarter			Change
Interest Income (Taxable Equivalent)	$	573,514			565,737		549,253		547,088		535,038			7.2	%
Interest Expense		278,113			272,536		261,637		253,998		241,027			15.4
Net Interest Income (Taxable Equivalent)		295,401			293,201		287,616		293,090		294,011			0.5
Tax Equivalent Adjustment		1,238			1,295		1,354		1,458		1,409			(12.1	)
Net Interest Income		294,163			291,906		286,262		291,632		292,602			0.5
Provision for Loan Losses		58,770			20,281		20,515		18,675		18,390			219.6
Net Interest Income After Provision		235,393			271,625		265,747		272,957		274,212			(14.2	)
Non-Interest Income:
Electronic Payment Processing Services		238,495			243,411		228,742		302,370		231,753			2.9
Merchant Acquiring Services		65,163			64,277		60,680		64,957		65,548			(0.6	)
Other Transaction Processing Services Revenue		53,940			54,847		53,123		51,634		44,813			20.4
Service Charges on Deposits		28,736			28,050		26,370		28,136		29,292			(1.9	)
Fiduciary and Asset Management Fees		12,306			12,434		12,262		12,710		11,868			3.7
Brokerage and Investment Banking Revenue		8,123			7,809		7,449		6,721		6,502			24.9
Mortgage Banking Income		5,955			7,695		7,226		6,837		8,440			(29.4	)
Bankcard Fees		11,923			11,567		11,880		11,218		11,438			4.2
Securities Gains (Losses)		186			258		447		—		(982	)	nm
Other Fee Income		9,910			10,411		9,427		9,079		10,024			(1.1	)
Other Non-Interest Income		29,152			15,461		10,726		21,707		10,057			189.9
Non-Interest Income before Reimbursable Items		463,889			456,220		428,332		515,369		428,753			8.2
Reimbursable Items		98,172			95,828		85,727		83,894		99,187			(1.0	)
Total Non-Interest Income		562,061			552,048		514,059		599,263		527,940			6.5
Non-Interest Expense:
Personnel Expense		261,122			261,768		254,953		256,691		256,220			1.9
Occupancy and Equipment Expense		97,412			94,234		92,914		116,470		100,504			(3.1	)
Other Non-Interest Expense		100,985			103,087		98,557		115,755		98,995			2.0
Spin-off Related Expenses		5,937			361		—		—		—		nm
Non-Interest Expense before Reimbursable Items		465,456			459,450		446,424		488,916		455,719			2.1
Reimbursable Items		98,172			95,828		85,727		83,894		99,187			(1.0	)
Total Non-Interest Expense		563,628			555,278		532,151		572,810		554,906			1.6
Minority Interest in Consolidated Subsidiaries		13,674			13,187		11,278		16,790		10,406			31.4
Income from Continuing Operations before Income Taxes		220,152			255,208		236,377		282,620		236,840			(7.0	)
Income Taxes		78,068			96,658		89,624		107,073		82,774			(5.7	)
Income from Continuing Operations		142,084			158,550		146,753		175,547		154,066			(7.8	)
Discontinued Operations, Net of Income Taxes		—			4,200		—		—		—		nm
Net Income	$	142,084			162,750		146,753		175,547		154,066			(7.8	)
Basic Earnings Per Share
Income from Continuing Operations	$	0.43			0.49		0.45		0.54		0.48			(8.8)	%
Net Income		0.43			0.50		0.45		0.54		0.48			(8.8	)
Diluted Earnings Per Share
Income from Continuing Operations		0.43			0.48		0.45		0.54		0.47			(8.7	)
Net Income		0.43			0.49		0.45		0.54		0.47			(8.7	)
Dividends Declared Per Share		0.21			0.21		0.21		0.20		0.20			5.1
Return on Average Assets *		1.70	%		2.00		1.86		2.22		2.00		(30) bp
Return on Average Equity *		14.02			16.69		15.94		19.03		17.63			(361	)
Average Shares Outstanding — Basic		327,215			326,410		325,687		324,555		323,657			1.1	%
Average Shares Outstanding — Diluted		330,160			330,263		329,573		328,122		326,834			1.0

bp — change is measured as difference in basis points.
nm — not meaningful
* — ratios are annualized

Synovus

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Financial Services Segment
     INCOME STATEMENTS
     (Unaudited)
     (In thousands)

	Nine Months Ended
	September 30,
	2007			2006			Change
Interest Income (Taxable Equivalent)	$	1,688,565			1,475,178			14.5	%
Interest Expense		822,445			633,918			29.7
Net Interest Income (Taxable Equivalent)		866,120			841,260			3.0
Tax Equivalent Adjustment		3,857			4,343			(11.2	)
Net Interest Income		862,263			836,917			3.0
Provision for Loan Losses		99,566			56,473			76.3
Net Interest Income After Provision		762,697			780,444			(2.3	)
Non-Interest Income:
Service Charges on Deposits		83,157			84,281			(1.3	)
Fiduciary and Asset Management Fees		37,652			35,707			5.4
Brokerage and Investment Banking Revenue		23,381			20,009			16.9
Mortgage Banking Income		20,876			22,419			(6.9	)
Bankcard Fees		35,370			33,085			6.9
Securities Gains (Losses)		891			(2,119	)	nm
Other Fee Income		29,749			29,664			0.3
Other Non-Interest Income		58,953			38,791			52.0
Total Non-Interest Income		290,029			261,837			10.8
Non-Interest Expense:
Personnel Expense		345,690			335,243			3.1
Occupancy and Equipment Expense		82,914			73,899			12.2
Other Non-Interest Expense		164,281			151,961			8.1
Spin-off Related Expenses		4,606			—		nm
Total Non-Interest Expense		597,491			561,103			6.5
Income from Continuing Operations before Income Taxes		455,235			481,178			(5.4	)
Income Taxes		162,908			171,051			(4.8	)
Income from Continuing Operations		292,327			310,127			(5.7	)
Discontinued Operations, Net of Income Taxes		4,200			—		nm
Net Income	$	296,527			310,127			(4.4	)
Return on Average Assets *		1.27	%		1.48			(21	)bp
Return on Average Equity *		13.98			17.19			(321	)

bp — change is measured as difference in basis points.
nm — not meaningful
* — ratios are annualized

Synovus

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Financial Services Segment
     INCOME STATEMENTS
     (Unaudited)
     (In thousands)

	2007							2006					3rd Quarter
	Third			Second		First		Fourth		Third			’07 vs. ’06
	Quarter			Quarter		Quarter		Quarter		Quarter			Change
Interest Income (Taxable Equivalent)	$	573,545			565,777		549,243		547,079		535,025			7.2	%
Interest Expense		281,478			276,017		264,950		256,760		242,875			15.9
Net Interest Income (Taxable Equivalent)		292,067			289,760		284,293		290,319		292,150			0.0
Tax Equivalent Adjustment		1,228			1,285		1,344		1,448		1,395			(11.9	)
Net Interest Income		290,839			288,475		282,949		288,871		290,755			0.0
Provision for Loan Losses		58,770			20,281		20,515		18,675		18,390			219.6
Net Interest Income After Provision		232,069			268,194		262,434		270,196		272,365			(14.8	)
Non-Interest Income:
Service Charges on Deposits		28,736			28,050		26,370		28,136		29,292			(1.9	)
Fiduciary and Asset Management Fees		12,524			12,658		12,473		12,921		12,078			3.7
Brokerage and Investment Banking Revenue		8,123			7,809		7,449		6,721		6,502			24.9
Mortgage Banking Income		5,955			7,695		7,226		6,837		8,440			(29.4	)
Bankcard Fees		11,923			11,567		11,880		11,218		11,438			4.2
Securities Gains (Losses)		186			258		447		—		(982	)	nm
Other Fee Income		9,910			10,411		9,427		9,079		10,024			(1.1	)
Other Non-Interest Income		28,837			17,883		12,231		22,682		12,527			130.2
Total Non-Interest Income		106,194			96,331		87,503		97,594		89,319			18.9
Non-Interest Expense:
Personnel Expense		115,941			115,822		113,927		115,130		113,842			1.8
Occupancy and Equipment Expense		28,055			27,572		27,290		26,370		25,566			9.7
Other Non-Interest Expense		56,429			54,267		53,580		61,930		51,899			8.7
Spin-off Related Expenses		4,245			361		—		—		—		nm
Total Non-Interest Expense		204,670			198,022		194,797		203,430		191,307			7.0
Income from Continuing Operations before Income Taxes		133,593			166,503		155,140		164,360		170,377			(21.6	)
Income Taxes		47,121			61,055		54,733		59,384		60,394			(22.0	)
Income from Continuing Operations		86,472			105,448		100,407		104,976		109,983			(21.4	)
Discontinued Operations, Net of Income Taxes		—			4,200		—		—		—		nm
Net Income	$	86,472			109,648		100,407		104,976		109,983			(21.4	)
Return on Average Assets *		1.08	%		1.40		1.33		1.39		1.49			(41	)bp
Return on Average Equity *		11.76			15.37		14.95		15.45		17.04			(528	)

bp — change is measured as difference in basis points.
nm — not meaningful
* — ratios are annualized

Synovus

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BALANCE SHEETS	September 30, 2007			December 31, 2006			September 30, 2006
(Unaudited)
(In thousands, except share data)
ASSETS
Cash and due from banks	$	944,215			889,975			790,602
Interest earning deposits with banks		4,318			19,389			17,444
Federal funds sold and securities purchased under resale agreements		113,654			101,091			308,300
Trading account assets		33,009			15,266			15,031
Mortgage loans held for sale		165,837			175,042			158,690
Investment securities available for sale		3,628,766			3,352,357			3,269,889
Loans, net of unearned income		25,774,656			24,654,552			24,192,596
Allowance for loan losses		(356,887	)		(314,459	)		(319,973	)
Loans, net		25,417,769			24,340,093			23,872,623
Premises and equipment, net		803,528			752,738			723,974
Contract acquisition costs and computer software, net		351,576			383,899			403,702
Goodwill, net		682,047			669,515			681,720
Other intangible assets, net		49,933			63,586			50,900
Other assets		1,381,011			1,091,822			1,052,007
Total assets	$	33,575,663			31,854,773			31,344,882
LIABILITIES AND SHAREHOLDERS’ EQUITY
Liabilities:
Deposits:
Non-interest bearing retail and commercial deposits	$	3,564,105			3,538,598			3,659,629
Interest bearing retail and commercial deposits		17,887,961			17,741,354			17,103,778
Total retail and commercial deposits		21,452,066			21,279,952			20,763,407
Brokered time deposits		2,872,978			3,014,495			3,199,157
Total deposits		24,325,044			24,294,447			23,962,564
Federal funds purchased and other short-term liabilities		2,568,759			1,572,809			1,582,037
Long-term debt		1,760,162			1,350,139			1,363,519
Other liabilities		585,631			692,019			654,742
Total liabilities		29,239,596			27,909,414			27,562,862
Minority interest in consolidated subsidiaries		274,571			236,709			218,073
Shareholders’ equity:
Common stock, par value $1.00 a share (1)		334,095			331,214			330,474
Additional Paid in Capital		1,107,653			1,033,055			1,009,976
Treasury stock (2)		(113,944	)		(113,944	)		(113,944	)
Accumulated other comprehensive income(loss)		23,339			(2,129	)		(7,519	)
Retained earnings		2,710,353			2,460,454			2,344,960
Total shareholders’ equity (3)		4,061,496			3,708,650			3,563,947
Total liabilities and shareholders’ equity	$	33,575,663			31,854,773			31,344,882

(1)	Common shares outstanding: 328,433,944; 325,552,375; and 324,812,048 at September 30, 2007, December 31, 2006, and
	September 30, 2006, respectively.
(2)	Treasury shares: 5,661,538 at September 30, 2007, December 31, 2006, and September 30, 2006.
(3)	Book value per share: $12.37 ; $11.39; and $10.97 at September 30, 2007, December 31, 2006, and September 30, 2006, respectively.

Synovus

10 of 12

AVERAGE BALANCES AND YIELDS/RATES *
(Unaudited)
(Dollars in thousands)

	2007									2006
	Third			Second			First			Fourth			Third
	Quarter			Quarter			Quarter			Quarter			Quarter
Interest Earning Assets
Taxable Investment Securities	$	3,495,017			3,420,831			3,301,137			3,178,852			3,025,507
Yield		4.82	%		4.83			4.77			4.51			4.39
Tax-Exempt Investment Securities	$	170,211			178,183			185,012			193,737			197,024
Yield (taxable equivalent)		6.74	%		6.75			6.84			6.95			6.70
Trading Account Assets	$	56,217			59,311			64,204			34,471			53,181
Yield		7.06	%		6.47			5.65			6.67			5.30
Commercial Loans	$	21,820,687			21,739,107			21,242,921			20,791,108			20,407,139
Yield		8.13	%		8.20			8.24			8.25			8.23
Consumer Loans	$	915,847			896,267			928,256			928,521			929,964
Yield		8.17	%		8.14			8.01			7.98			7.96
Mortgage Loans	$	1,152,621			1,110,754			1,081,760			1,089,794			1,091,425
Yield		7.10	%		7.03			6.98			6.99			6.93
Credit Card Loans	$	277,445			275,105			270,444			268,705			265,120
Yield		10.96	%		10.64			11.17			10.89			10.86
Home Equity Loans	$	1,444,411			1,407,005			1,385,012			1,316,842			1,252,803
Yield		7.80	%		7.82			7.68			7.82			7.97
Allowance for Loan Losses	$	(335,406	)		(329,028	)		(317,977	)		(317,603	)		(318,195	)
Loans, Net	$	25,275,605			25,099,210			24,590,416			24,077,367			23,628,256
Yield		8.21	%		8.26			8.28			8.29			8.29
Mortgage Loans Held for Sale	$	176,448			163,364			160,482			149,113			130,196
Yield		6.91	%		6.18			6.07			6.02			6.51
Federal Funds Sold and Other Short-Term Investments	$	89,754			131,092			147,932			120,804			155,200
Yield		5.53	%		5.42			5.61			5.40			5.32
Total Interest Earning Assets	$	29,263,252			29,051,991			28,449,183			27,754,344			27,189,364
Yield		7.78	%		7.81			7.82			7.83			7.81
Interest Bearing Liabilities
Interest Bearing Demand Deposits	$	3,047,279			3,141,899			3,113,531			3,034,375			2,946,646
Rate		2.24	%		2.28			2.30			2.18			2.03
Money Market Accounts	$	7,588,170			7,388,012			7,083,633			6,956,181			6,587,365
Rate		4.44	%		4.49			4.49			4.45			4.38
Savings Deposits	$	479,479			497,422			502,948			514,317			547,779
Rate		0.48	%		0.57			0.68			0.72			0.72
Time Deposits Under $100,000	$	2,917,089			3,020,881			3,037,815			3,003,141			2,917,518
Rate		4.81	%		4.85			4.79			4.64			4.38
Time Deposits Over $100,000 (less brokered time deposits)	$	4,029,091			4,118,221			4,101,471			3,997,493			3,756,853
Rate		5.12	%		5.19			5.15			5.07			4.92
Total Interest Bearing Core Deposits		18,061,108			18,166,435			17,839,398			17,505,507			16,756,161
Rate		4.18	%		4.22			4.20			4.12			3.97
Brokered Time Deposits	$	3,188,310			3,175,161			3,030,793			3,137,889			3,165,905
Rate		5.19	%		5.05			5.08			5.01			4.85
Total Interest Bearing Deposits	$	21,249,418			21,341,596			20,870,191			20,643,396			19,922,066
Rate		4.33	%		4.34			4.33			4.26			4.11
Federal Funds Purchased and Other Short-Term Liabilities	$	1,928,206			1,711,310			1,690,049			1,283,832			1,553,699
Rate		4.70	%		4.90			4.87			4.72			4.73
Long-Term Debt	$	1,707,765			1,565,014			1,450,466			1,360,635			1,364,226
Rate		5.31	%		5.12			5.05			4.90			4.57
Total Interest Bearing Liabilities	$	24,885,389			24,617,920			24,010,706			23,287,863			22,839,991
Rate		4.43	%		4.43			4.41			4.32			4.18
Non-Interest Bearing Demand Deposits	$	3,384,998			3,372,063			3,372,105			3,469,233			3,528,942
Shareholders’ Equity	$	4,020,615			3,910,907			3,733,523			3,659,996			3,467,029
Total Assets	$	33,113,667			32,710,807			32,022,912			31,307,991			30,613,827
Net Interest Margin		4.02	%		4.05			4.10			4.20			4.30

* Yields and rates are annualized.

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LOANS OUTSTANDING AND NONPERFORMING LOANS COMPOSITION
(Unaudited)
(Dollars in thousands)

	September 30, 2007
				Loans as a %			Total		Nonperforming Loans
				of Total Loans			Nonperforming		as a % of Total
Loan Type	Total Loans			Outstanding			Loans		Nonperforming Loans
Multi-Family	$	449,814			1.8	%	$	345		0.2	%
Hotels		591,527			2.3			—		—
Office Buildings		881,138			3.4			4,467		2.0
Shopping Centers		739,334			2.9			83		—
Commercial Development		937,367			3.6			6,125		2.7
Other Investment Property		608,227			2.4			324		0.2
Total Investment Properties		4,207,407			16.4			11,344		5.1
1-4 Family Construction		2,302,842			8.9			59,642		26.6
1-4 Family Perm / Mini-Perm		1,219,577			4.7			13,268		5.9
Residential Development		2,269,844			8.8			56,541		25.2
Total 1-4 Family Properties		5,792,263			22.4			129,451		57.7
Land Acquisition		1,476,042			5.7			8,782		3.9
Total Commercial Real Estate		11,475,712			44.5			149,577		66.7
Commercial , Financial, and Agricultural		6,281,941			24.4			43,935		19.6
Owner-Occupied		4,197,447			16.3			11,725		5.2
Total Commercial & Industrial		10,479,388			40.7			55,660		24.8
Home Equity		1,478,694			5.7			3,232		1.5
Consumer Mortgages		1,620,730			6.3			12,934		5.8
Credit Card		280,192			1.1			—		—
Other Retail Loans		485,928			1.9			2,652		1.2
Total Retail		3,865,544			15.0			18,818		8.5
Unearned Income		(45,988	)		(0.2	)		—		—
Total	$	25,774,656			100.0	%	$	224,055		100.0	%

LOANS OUTSTANDING BY TYPE COMPARISON
(Unaudited)
(Dollars in thousands)

	Total Loans						3Q07 vs. 4Q06						3Q07 vs. 3Q06
Loan Type	September 30, 2007			December 31, 2006			% change (1)			September 30, 2006			% change
Multi-Family	$	449,814			505,586			(14.7	)%	$	517,644			(13.1	)%
Hotels		591,527			643,180			(10.7	)		642,330			(7.9	)
Office Buildings		881,138			881,658			(0.1	)		888,397			(0.8	)
Shopping Centers		739,334			764,924			(4.5	)		749,189			(1.3	)
Commercial Development		937,367			876,570			9.3			958,636			(2.2	)
Other Investment Property		608,227			434,298			53.5			406,880			49.5
Total Investment Properties		4,207,407			4,106,216			3.3			4,163,076			1.1
1-4 Family Construction		2,302,842			2,347,025			(2.5	)		2,244,886			2.6
1-4 Family Perm / Mini-Perm		1,219,577			1,193,895			2.9			1,199,959			1.6
Residential Development		2,269,844			2,036,207			15.3			1,963,061			15.6
Total 1-4 Family Properties		5,792,263			5,577,127			5.2			5,407,906			7.1
Land Acquisition		1,476,042			1,402,402			7.0			1,307,168			12.9
Total Commercial Real Estate		11,475,712			11,085,745			4.7			10,878,150			5.5
Commercial, Financial, and Agricultural		6,281,941			5,875,854			9.2			5,711,488			10.0
Owner-Occupied		4,197,447			4,080,743			3.8			4,097,768			2.4
Total Commercial & Industrial		10,479,388			9,956,597			7.0			9,809,256			6.8
Home Equity		1,478,694			1,364,030			11.2			1,272,804			16.2
Consumer Mortgages		1,620,730			1,517,849			9.1			1,512,091			7.2
Credit Card		280,192			276,269			1.9			266,205			5.3
Other Retail Loans		485,928			500,757			(4.0	)		506,490			(4.1	)
Total Retail		3,865,544			3,658,905			7.6			3,557,590			8.7
Unearned Income		(45,988	)		(46,695	)		(2.0	)		(52,400	)		(12.2	)
Total	$	25,774,656			24,654,552			6.1	%	$	24,192,596			6.5	%

(1) Percentage change is annualized.

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CREDIT QUALITY DATA

(Unaudited)
(Dollars in thousands)	2007							2006				3rd Quarter
	Third			Second		First		Fourth		Third		’07 vs. ’06
	Quarter			Quarter		Quarter		Quarter		Quarter		Change
Nonperforming Loans	$	224,055			180,776		138,790		96,623		94,766		136.4	%
Other Real Estate		76,514			41,259		31,710		25,923		31,549		142.5
Nonperforming Assets		300,569			222,035		170,500		122,545		126,315		138.0
Allowance for Loan Losses		356,887			331,130		326,826		314,459		319,973		11.5
Net Charge-Offs — Quarter		33,013			15,978		8,148		24,190		12,111		172.6
Net Charge-Offs — YTD		57,139			24,126		8,148		60,217		36,027		58.6
Net Charge-Offs / Average Loans — Quarter		0.51	%		0.25		0.13		0.39		0.20
Net Charge-Offs / Average Loans — YTD		0.30			0.19		0.13		0.26		0.21
Nonperforming Loans / Loans & ORE		0.87			0.71		0.55		0.39		0.39
Nonperforming Assets / Loans & ORE		1.16			0.87		0.68		0.50		0.52
Allowance / Loans		1.38			1.30		1.30		1.28		1.32
Allowance / Nonperforming Loans		159.29			183.17		235.48		325.45		337.65
Allowance / Nonperforming Assets		118.74			149.13		191.69		256.61		253.31
Past Due Loans over 90 days		22,667			23,067		27,414		34,495		18,002
As a Percentage of Loans Outstanding		0.09			0.09		0.11		0.14		0.07
Total Past Dues		230,035			164,180		150,188		154,027		140,526
As a Percentage of Loans Outstanding		0.89			0.64		0.60		0.62		0.58

REGULATORY CAPITAL RATIOS (1)
(Unaudited)
(Dollars in thousands)

	September 30, 2007			December 31, 2006		September 30, 2006
Tier 1 Capital	$	3,622,904			3,254,603		3,067,156
Total Risk-Based Capital		4,729,790			4,319,062		4,137,129
Tier 1 Capital Ratio		11.42	%		10.87		10.36
Total Risk-Based Capital Ratio		14.91			14.43		13.98
Leverage Ratio		11.19			10.64		10.28

(1) September 30, 2007 information is preliminary.