Fifth Third Bancorp (FITB) 8-K Fifth Third Bancorp Reports Second Quarter 2005

Exhibit 99.3

July 2005

QUARTERLY FINANCIAL SUPPLEMENT

Investment Community Member:

To assist in your financial analysis, the following supplement of most requested information concerning Fifth Third Bancorp is provided.

Numbers are unaudited for quarterly information.

If you need further information, please fax or e-mail your request to Fifth Third’s Investor Relations Department at (513) 534-0629 or Brad.Adams@53.com

R. Mark Graf	Matt Curoe	Brad Adams
SVP/Chief Financial Officer	VP/External Reporting	VP/Investor Relations
(513) 534-6924	(513) 534-0482	(513) 534-0983

Quarterly Data

	Three Months Ended
	June 30, 2005		March 31, 2005		December 31, 2004		September 30, 2004		June 30, 2004		March 31, 2004		December 31, 2003		September 30, 2003
Ratios (%)
Return on average assets		1.63		1.62		0.72		1.95		1.91		1.88		1.93		1.85
Return on average shareholders’ equity		18.1		18.0		7.6		21.1		21.0		19.7		20.1		19.3
Average equity as a percent of average assets		8.98		9.02		9.51		9.21		9.08		9.55		9.61		9.57
Net interest margin (FTE)		3.29		3.38		3.35		3.42		3.54		3.60		3.54		3.52
Efficiency		52.2		51.6		76.0		47.0		48.8		46.8		49.0		46.4
Net losses charged off as a percent of average loans and leases		0.34		0.40		0.44		0.40		0.43		0.54		0.72		0.59
Allowance for loan and lease losses as a percent of loans and leases (a)		1.09		1.11		1.19		1.23		1.31		1.32		1.33		1.49
Allowance for credit losses as a percent of loans and leases (a)		1.20		1.21		1.31		1.35		1.43		1.45		1.47		1.49
Nonperforming assets as a percent of loans, leases and other assets, including OREO		0.51		0.53		0.51		0.48		0.50		0.57		0.61		0.62
Underperforming assets as a percent of loans, leases and other assets, including OREO		0.71		0.73		0.74		0.72		0.73		0.82		0.89		0.90
Allowance for loan and lease losses as a percent of nonperforming assets (a)		212.17		209.01		235.32		253.29		262.83		231.17		218.85		238.69
Allowance for loan and lease losses as a percent of underperforming assets (a)		153.81		151.87		160.20		170.37		179.20		161.76		150.28		164.56
Allowance for credit losses as a percent of nonperforming assets (a)		232.88		228.64		259.05		278.70		286.87		253.92		242.01		238.69
Allowance for credit losses as a percent of underperforming assets (a)		168.83		166.14		176.36		187.47		195.60		177.67		166.19		164.56
Share Data
Earnings per share	$	0.75	$	0.73	$	0.31	$	0.84	$	0.80	$	0.76	$	0.78	$	0.73
Earnings per diluted share		0.75		0.72		0.31		0.83		0.79		0.75		0.77		0.72
Cash dividends per common share		0.35		0.35		0.35		0.32		0.32		0.32		0.29		0.29
Book value per share		16.82		16.04		16.00		16.11		14.97		15.77		15.29		15.24
Common shares outstanding(net of treasury)		555,938,071		554,054,749		557,648,989		561,112,890		560,804,042		562,131,643		566,685,301		570,298,014
Market price per share:
High	$	44.67	$	48.12	$	52.34	$	54.07	$	57.00	$	60.00	$	60.01	$	59.44
Low		40.24		42.05		45.32		46.59		51.13		53.27		55.47		52.50
Close		41.17		42.98		47.30		49.22		53.78		55.37		59.10		55.54
Price/earnings ratio (b)		15.77		16.22		17.65		15.68		17.75		18.77		20.59		20.05
Supplemental Data
Common dividends declared ($ in millions)	$	195	$	194	$	195	$	180	$	180	$	180	$	164	$	166
Employees (full-time equivalents)		21,594		21,287		19,659		19,061		18,937		18,583		18,899		19,770
Banking centers		1,098		1,092		1,011		1,005		992		960		952		942
ATMs		1,994		1,988		1,898		1,872		1,844		1,827		1,905		1,891

(a) As of December 31, 2004, the reserve for unfunded commitments has been reclassified from the allowance for loan and lease losses to other liabilities. The 2003 year end reserve for unfunded commitments and all subsequent activity has been reclassified to conform to the current presentation. The allowance for credit losses is the sum of the allowance for loan and lease losses and the reserve for unfunded commitments.

(b) Based on the most recent twelve-month earnings per diluted share and end of period stock prices.

2

Quarterly Data

	Three Months Ended
	June 30, 2005		March 31, 2005		December 31, 2004			September 30, 2004		June 30, 2004		March 31, 2004		December 31, 2003		September 30, 2003
Income Statement ($ in millions)
Interest income-FTE	$	1,223	$	1,153	$	1,090		$	1,052	$	1,009	$	999	$	998	$	993
Interest expense		465		394		338			286		238		240		253		258
Net interest income-FTE		758		759		752			766		771		759		745		735
Provision for loan and lease losses		60		67		65			26		90		87		94		112
Noninterest income:
Electronic payment processing revenue		180		168		173			152		148		148		160		143
Service charges on deposits		132		121		126			134		131		123		125		125
Mortgage banking net revenue		46		41		24			49		61		44		57		75
Investment advisory revenue		91		90		82			88		97		93		85		85
Other noninterest income		144		140		113			126		258		130		104		161
Operating lease revenue		15		20		27			35		44		52		58		66
Securities gains (losses), net		15		14		(78	)		16		-		25		2		15
Foreign exchange income		12		13		12			11		10		11		8		10
Total noninterest income		635		607		479			611		749		626		599		680
Noninterest expense:
Salaries, wages & incentives		295		265		266			252		254		245		244		249
Employee benefits		67		82		56			64		66		76		53		61
Equipment expense		25		25		23			22		19		20		21		21
Net occupancy expense		54		54		48			45		47		46		47		36
Deposit insurance expense		2		2		2			2		6		6		6		6
Operating lease expense		10		15		20			24		32		38		44		50
Other noninterest expense		275		262		520			239		318		217		242		234
Total noninterest expense		728		705		935			648		742		648		657		657
Income from continuing operations before income taxes, minority interest and cumulative effect-FTE		605		594		231			703		688		650		593		646
Taxable equivalent adjustment		8		8		9			9		9		9		10		10
Income from continuing operations before income taxes, minority interest and cumulative effect		597		586		222			694		679		641		583		636
Applicable income taxes		180		181		46			223		231		211		182		208
Income from continuing operations before cumulative effect		417		405		176			471		448		430		401		428
Income from discontinued operations, net of tax (a)		-		-		-			-		-		-		41		1
Income before cumulative effect		417		405		176			471		448		430		442		429
Cumulative effect of change in accounting principle, net of tax		-		-		-			-		-		-		-		(11	)
Net income	$	417	$	405	$	176		$	471	$	448	$	430	$	442	$	418
Net income available to common shareholders (b)	$	417	$	404	$	176		$	471	$	448	$	430	$	441	$	417
Regulatory Capital Data ($ in millions) (c)
Tier 1 capital	$	7,799	$	7,509	$	8,522		$	8,666	$	8,346	$	8,394	$	8,272	$	8,182
Tier 2 capital		2,134		2,125		1,654			1,674		1,763		1,727		1,824		1,845
Total risk-based capital	$	9,933	$	9,634	$	10,176		$	10,340	$	10,109	$	10,121	$	10,096	$	10,027
Total risk-weighted assets	$	89,780	$	89,401	$	82,633		$	80,749	$	78,779	$	76,587	$	74,477	$	72,893
Tier 1 capital ratio		8.69%		8.40%		10.31%			10.73%		10.59%		10.96%		11.11%		11.22%
Total risk-based capital ratio		11.06%		10.78%		12.31%			12.81%		12.83%		13.22%		13.56%		13.76%
Tier 1 leverage ratio		7.78%		7.62%		8.89%			9.13%		8.97%		9.23%		9.23%		9.21%

(a) Includes gain on sale of discontinued operations of $40 million, net of tax, in 4th quarter 2003.

(b) Dividend on Preferred Stock is $.185 million for all quarters presented.

(c) June 30, 2005 regulatory capital data and ratios are estimated.

3

Quarterly Data

	As of
	June 30, 2005			March 31, 2005			December 31, 2004			September 30, 2004			June 30, 2004			March 31, 2004			December 31, 2003			September 30, 2003
Balance Sheet - Assets ($ in millions)
Cash and due from banks	$	2,781		$	2,420		$	2,561		$	2,313		$	2,358		$	2,012		$	2,359		$	2,394
Available-for-sale securities		24,647			25,101			24,687			31,557			30,180			30,577			28,999			28,011
Held-to-maturity securities		307			303			255			254			212			179			135			145
Trading securities		84			128			77			81			97			96			55			96
Other short-term investments		113			1,213			532			384			258			191			268			163
Total securities		25,151			26,745			25,551			32,276			30,747			31,043			29,457			28,415
Total cash and securities		27,932			29,165			28,112			34,589			33,105			33,055			31,816			30,809
Loans held for sale		783			809			559			452			577			1,661			1,881			1,528
Loans and leases held for investment(before allowance)		66,296			64,902			59,808			58,036			56,679			53,912			52,308			51,807
Total loans and leases		67,079			65,711			60,367			58,488			57,256			55,573			54,189			53,335
Allowance for loan and lease losses		(722	)		(717	)		(713	)		(713	)		(744	)		(713	)		(697	)		(772	)
Goodwill		2,178			2,167			979			980			979			738			738			738
Intangible assets		231			243			150			157			164			155			195			213
Total goodwill & intangibles, net		2,409			2,410			1,129			1,137			1,143			893			933			951
Servicing rights		378			378			352			349			358			283			299			285
Other real estate owned		52			60			63			61			54			57			55			46
Operating lease equipment		161			224			304			394			525			658			767			899
Other assets		5,871			5,482			4,842			4,060			3,985			3,996			3,892			3,899
Total assets	$	103,160		$	102,713		$	94,456		$	98,365		$	95,682		$	93,802		$	91,254		$	89,452
Balance Sheet - Liabilities ($ in millions)
Interest checking	$	18,811		$	19,722		$	19,481		$	19,362		$	19,243		$	19,376		$	19,757		$	18,715
Savings		9,653			9,711			8,310			8,307			7,973			7,391			7,375			7,895
Money market deposits		4,732			4,777			4,321			4,264			2,854			2,995			3,201			3,389
Other time deposits		8,513			8,017			6,837			6,569			6,019			5,978			6,201			6,211
Total interest-bearing deposits		41,709			42,227			38,949			38,502			36,089			35,740			36,534			36,210
Certificates - $100,000 and over		3,986			3,867			2,121			2,092			2,825			2,569			1,856			2,484
Foreign office		3,089			5,257			3,670			3,380			5,957			4,567			6,563			3,725
Short-term borrowings		9,495			8,369			10,026			13,973			11,517			15,253			13,171			13,741
Long-term borrowings		17,494			16,321			13,983			15,128			14,775			10,990			9,063			9,255
Total interest-bearing liabilities		75,773			76,041			68,749			73,075			71,163			69,119			67,187			65,415
Demand deposits		14,393			13,960			13,486			12,886			13,037			12,374			12,141			11,875
Other liabilities		3,641			3,824			3,297			3,364			3,089			3,445			3,259			3,468
Total liabilities		93,807			93,825			85,532			89,325			87,289			84,938			82,587			80,758
Balance Sheet - Equity ($ in millions)
Common and preferred equity		10,762			10,569			10,507			10,515			10,225			9,989			9,749			9,460
Additional minimum pension liability		(4	)		(4	)		(64	)		(66	)		(63	)		(63	)		(63	)		(52	)
Net unrealized (losses) gains on available-for-sale securities and qualifying cash flow hedges		(131	)		(319	)		(105	)		(152	)		(491	)		162			(57	)		43
Treasury stock, at cost		(1,274	)		(1,358	)		(1,414	)		(1,257	)		(1,278	)		(1,224	)		(962	)		(757	)
Total shareholders’ equity	$	9,353		$	8,888		$	8,924		$	9,040		$	8,393		$	8,864		$	8,667		$	8,694
Preferred shares outstanding		9,250			9,250			9,250			9,250			9,250			9,250			9,250			9,250
Common shares outstanding(net of treasury)		555,938,071			554,054,749			557,648,989			561,112,890			560,804,042			562,131,643			566,685,301			570,298,014
Treasury shares held		27,489,033			29,372,355			25,802,702			22,338,801			22,647,649			21,320,048			16,766,390			13,153,677

4

Quarterly Data

	Three Months Ended
	June 30, 2005			March 31, 2005			December 31, 2004			September 30, 2004			June 30, 2004			March 31, 2004			December 31, 2003			September 30, 2003
Average Balance Sheet ($ in millions)
Taxable securities	$	24,901		$	25,263		$	28,859		$	30,523		$	30,253		$	29,085		$	28,568		$	27,916
Tax exempt securities		815			856			866			890			920			995			1,026			1,050
Loans and leases		66,762			65,076			59,440			57,679			56,325			54,688			53,886			53,871
Total earning assets		92,478			91,195			89,165			89,092			87,498			84,768			83,480			82,837
Cash and due from banks		2,822			2,619			2,445			2,265			2,106			2,046			2,044			1,398
Other assets		8,182			7,908			6,171			5,603			5,447			5,828			5,863			5,925
Allowance for loan and lease losses		(717	)		(714	)		(719	)		(748	)		(720	)		(699	)		(771	)		(740	)
Total assets	$	102,765		$	101,008		$	97,062		$	96,212		$	94,331		$	91,943		$	90,616		$	89,420
Interest checking	$	19,267		$	19,972		$	19,345		$	19,570		$	19,268		$	19,552		$	19,303		$	18,673
Savings		9,697			9,339			8,447			8,212			7,803			7,294			7,700			8,095
Money market deposits		4,755			4,786			4,227			3,542			2,965			3,149			3,388			3,356
Other time deposits		8,286			7,787			6,681			6,539			5,822			5,780			6,086			5,941
Total customer interest-bearing deposits		42,005			41,884			38,700			37,863			35,858			35,775			36,477			36,065
Certificates - $100,000 and over		3,946			3,539			2,106			2,459			2,836			2,213			2,170			4,472
Foreign office		3,907			4,340			4,073			3,315			4,488			5,935			5,606			3,340
Short-term borrowings		9,372			9,878			11,208			13,274			15,175			14,529			14,254			13,554
Long-term borrowings		17,049			15,604			15,585			15,055			12,317			10,294			9,149			9,581
Total interest-bearing liabilities		76,279			75,245			71,672			71,966			70,674			68,746			67,656			67,012
Demand deposits		13,905			13,484			13,107			12,537			12,251			11,402			11,460			10,859
Other liabilities		3,357			3,171			3,054			2,848			2,840			3,016			2,792			2,988
Total liabilities		93,541			91,900			87,833			87,351			85,765			83,164			81,908			80,859
Shareholders’ equity		9,224			9,108			9,229			8,861			8,566			8,779			8,708			8,561
Total liabilities & shareholders’ equity	$	102,765		$	101,008		$	97,062		$	96,212		$	94,331		$	91,943		$	90,616		$	89,420
Average loans and leases (excluding held for sale)	$	65,649		$	64,269		$	58,714		$	57,160		$	54,960		$	52,927		$	52,402		$	50,615
Average common shares outstanding:
Basic		553,871,720			556,361,533			560,161,550			560,335,242			560,976,289			563,583,277			568,104,211			570,087,666
Diluted		558,176,454			561,658,848			566,107,746			566,543,043			568,715,944			571,612,473			576,881,193			578,777,162

5

Quarterly Data

	Three Months Ended
	June 30, 2005			March 31, 2005			December 31, 2004			September 30, 2004			June 30, 2004			March 31, 2004			December 31, 2003			September 30, 2003
Asset Quality ($ in millions)
Nonaccrual loans and leases	$	273		$	268		$	228		$	207		$	216		$	233		$	242		$	271
Renegotiated loans and leases		1			1			1			3			3			1			8			-
Other assets, including other real estate owned		66			74			74			72			64			74			69			52
Total nonperforming assets		340			343			303			282			283			308			319			323
Ninety days past due loans and leases		129			129			142			137			132			133			145			146
Total underperforming assets	$	469		$	472		$	445		$	419		$	415		$	441		$	464		$	469
Loan Portfolio ($ in millions)(net of unearned discount)
Commercial and residential construction loans	$	6,201		$	5,922		$	4,726		$	4,448		$	4,108		$	3,820		$	3,636		$	3,470
Commercial mortgage		9,091			9,048			7,636			7,644			7,541			7,197			6,894			6,590
Commercial loans and leases		21,554			20,917			19,484			18,628			18,551			17,899			17,489			16,987
Residential mortgages		7,808			8,208			7,533			6,912			6,416			5,811			5,530			6,015
Home equity loans		11,521			11,101			10,522			10,253			9,849			9,305			9,001			8,704
Credit card		749			790			843			809			779			757			762			620
Other consumer loans and leases		10,155			9,725			9,623			9,794			10,012			10,784			10,877			10,949
Total loans and leases	$	67,079		$	65,711		$	60,367		$	58,488		$	57,256		$	55,573		$	54,189		$	53,335
Average Loan Portfolio ($ in millions)(net of unearned discount)
Commercial and residential construction loans	$	6,043		$	5,338		$	4,625		$	4,315		$	3,924		$	3,746		$	3,547		$	3,401
Commercial mortgage		9,042			8,385			7,617			7,582			7,327			7,034			6,708			6,423
Commercial loans and leases		21,204			21,466			18,898			18,368			18,030			17,507			17,176			16,949
Residential mortgages		8,453			8,417			7,346			6,631			6,173			5,654			5,927			6,689
Home equity loans		11,325			10,929			10,414			10,060			9,563			9,143			8,881			9,500
Credit card		755			830			827			797			767			758			642			609
Other consumer loans and leases		9,940			9,711			9,713			9,926			10,541			10,846			11,005			10,300
Total loans and leases	$	66,762		$	65,076		$	59,440		$	57,679		$	56,325		$	54,688		$	53,886		$	53,871
Nonperforming Loans ($ in millions)(non-accrual plus renegotiated)
Commercial construction loans	$	24		$	23		$	13		$	11		$	14		$	23		$	19		$	20
Commercial mortgage		56			56			51			51			47			48			42			42
Commercial loans and leases		132			132			111			99			107			111			136			158
Residential mortgage and construction		25			24			24			22			23			25			26			27
Other consumer loans and leases		37			34			30			27			28			27			27			24
Total nonperforming loans	$	274		$	269		$	229		$	210		$	219		$	234		$	250		$	271
Credit Charge-Offs ($ in millions)
Gross charge-offs	$	76		$	80		$	84		$	72		$	76		$	88		$	115		$	92
Recoveries		(21	)		(17	)		(19	)		(15	)		(17	)		(17	)		(19	)		(17	)
Net charge-offs	$	55		$	63		$	65		$	57		$	59		$	71		$	96		$	75

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