<HTML> <HEAD> <TITLE> HUNTINGTON BANCSHARES INC/MD (Form: 8-K, Received: 01/22/2015 07:41:24) </TITLE> </HEAD> <BODY> <EFX_FORM> <EFX_UNIDENTIFIED_TABLE> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:18PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> UNITED STATES </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:18PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> SECURITIES AND EXCHANGE COMMISSION </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:12PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> Washington, D.C. 20549 </B> </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:18PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> FORM 8-K </B> </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:12PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> CURRENT REPORT </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:12PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> Pursuant to Section&nbsp;13 OR 15(d) of </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:12PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> The Securities Exchange Act of 1934 </B> </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:12PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> Date of Report (Date of earliest event reported) <U> January&nbsp;22, 2015 </U> </B> </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:22PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> HUNTINGTON BANCSHARES INCORPORATED </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> (Exact name of registrant as specified in its charter) </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT" ALIGN="CENTER"> <TR> <TD WIDTH="34%"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD WIDTH="32%"> </TD> <TD VALIGN="BOTTOM" WIDTH="1%"> </TD> <TD WIDTH="32%"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP" ALIGN="CENTER"> <B> Maryland </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="TOP" ALIGN="CENTER"> <B> 1-34073 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="TOP" ALIGN="CENTER"> <B> 31-0724920 </B> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="TOP" ALIGN="CENTER"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> (State or other jurisdiction </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:1PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> of incorporation) </B> </P> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="TOP" ALIGN="CENTER"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> (Commission </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:1PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> File Number) </B> </P> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="TOP" ALIGN="CENTER"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> (IRS Employer </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:1PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> Identification No.) </B> </P> </TD> </TR> </TABLE> </EFX_UNIDENTIFIED_TABLE> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> Huntington Center </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> 41 South High Street </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> Columbus, Ohio 43287 </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> (Address of principal executive offices) (Zip Code) </B> </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> Registrant&#146;s telephone number, including area code <U> (614)&nbsp;480-8300 </U> </B> </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> Not Applicable </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> (Former name or former address, if changed since last report.) </B> </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): </P> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <FONT STYLE="FONT-FAMILY:WINGDINGS"> &#168; </FONT> </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <FONT STYLE="FONT-FAMILY:WINGDINGS"> &#168; </FONT> </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <FONT STYLE="FONT-FAMILY:WINGDINGS"> &#168; </FONT> </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <FONT STYLE="FONT-FAMILY:WINGDINGS"> &#168; </FONT> </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) </TD> </TR> </TABLE> <A NAME="eolPage2"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <EFX_SECTION_2_FINANCIAL_INFORMATION> <A NAME="FIS_SECTION_2_FINANCIAL_INFORMATION"></A> <EFX_RESULTS_OF_OPERATIONS> <A NAME="FIS_RESULTS_OF_OPERATIONS"></A> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> Item 2.02. Results of Operations and Financial Condition. </B> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:8%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> On January&nbsp;22, 2015, Huntington Bancshares Incorporated (&#147;Huntington&#148;) issued a news release announcing its earnings for the quarter ended December&nbsp;31, 2014. Also on January&nbsp;22, 2015, Huntington made a Quarterly Financial Supplement available on the Investor Relations section of its web site, <U> www.huntington.com </U> . </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:8%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Huntington&#146;s senior management will host an earnings conference call on January&nbsp;22, 2015, at 10:00 a.m. (Eastern Time). The call may be accessed via a live Internet webcast at the Investor Relations section of Huntington&#146;s web site, <U> www.huntington.com </U> or through a dial-in telephone number at (877)&nbsp;684-3807; Conference ID 51410831. Slides will be available the Investor Relations section of Huntington&#146;s web site, <U> www.huntington.com </U> about an hour prior to the call. A replay of the webcast will be archived in the Investor Relations section of Huntington&#146;s web site, <U> www.huntington.com </U> . A telephone replay will be available approximately two hours after the completion of the call through January&nbsp;31, 2015 at (855)&nbsp;859-2056 or (404)&nbsp;537-3406; conference ID 51410831. </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:8%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> The information contained or incorporated by reference in this Current Report on Form 8-K contains certain forward-looking statements, including certain plans, expectations, goals, projections, and statements, which are subject to numerous assumptions, risks, and uncertainties. Forward-looking statements may be identified by words such as expect, anticipate, believe, intend, estimate, plan, target, goal, or similar expressions, or future or conditional verbs such as will, may, might, should, would, could, or similar variations. </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> While there is no assurance that any list of risks and uncertainties or risk factors is complete, below are certain factors which could cause actual results to differ materially from those contained or implied in the forward-looking statements: (1)&nbsp;worsening of credit quality performance due to a number of factors such as the underlying value of collateral that could prove less valuable than otherwise assumed and assumed cash flows may be worse than expected; (2)&nbsp;changes in general economic, political, or industry conditions; uncertainty in U.S. fiscal and monetary policy, including the interest rate policies of the Federal Reserve Board; volatility and disruptions in global capital and credit markets; (3)&nbsp;movements in interest rates; (4)&nbsp;competitive pressures on product pricing and services; (5)&nbsp;success, impact, and timing of our business strategies, including market acceptance of any new products or services implementing our &#147;Fair Play&#148; banking philosophy; (6)&nbsp;changes in accounting policies and principles and the accuracy of our assumptions and estimates used to prepare our financial statements; (7)&nbsp;extended disruption of vital infrastructure; (8)&nbsp;the final outcome of significant litigation; (9)&nbsp;the nature, extent, timing, and results of governmental actions, examinations, reviews, reforms, regulations, and interpretations, including those related to the Dodd-Frank Wall Street Reform and Consumer Protection Act and the Basel III regulatory capital reforms, as well as those involving the OCC, Federal Reserve, FDIC, and CFPB; and (10)&nbsp;the outcome of judicial and regulatory decisions regarding practices in the residential mortgage industry, including among other things the processes followed for foreclosing residential mortgages. Additional factors that could cause results to differ materially from those described above can be found in Huntington&#146;s 2013 Annual Report on Form 10-K, and documents subsequently filed by Huntington with the Securities and Exchange Commission. All forward-looking statements included in this document are based on information available at the time of the release. Huntington assumes no obligation to update any forward-looking statement. </P> <A NAME="eolPage3"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:8%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> The information contained or incorporated by reference in Item&nbsp;2.02 of this Form 8-K shall be treated as &#147;furnished&#148; for purposes of Section&nbsp;18 of the Securities Exchange Act of 1934, as amended. </P> </EFX_RESULTS_OF_OPERATIONS> </EFX_SECTION_2_FINANCIAL_INFORMATION> <EFX_SECTION_9_FINANCIAL_STATEMENTS_AND_EXHIBITS> <A NAME="FIS_SECTION_9_FINANCIAL_STATEMENTS_AND_EXHIBITS"></A> <EFX_FINANCIAL_STATEMENTS_AND_EXHIBITS> <A NAME="FIS_FINANCIAL_STATEMENTS_AND_EXHIBITS"></A> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> Item 9.01. Financial Statements and Exhibits. </B> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:8%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> The exhibits referenced below shall be treated as &#147;furnished&#148; for purposes of Section&nbsp;18 of the Securities Exchange Act of 1934, as amended. </P> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> (d) </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Exhibits. </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <EFX_UNIDENTIFIED_TABLE> <A NAME="FIS_UNIDENTIFIED_TABLE_2"></A> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD WIDTH="86%"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP" NOWRAP> Exhibit&nbsp;99.1 </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="TOP" NOWRAP ALIGN="RIGHT"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="RIGHT"> &#150; </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="TOP"> News release of Huntington Bancshares Incorporated, dated January&nbsp;22, 2015. </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="2"> </TD> <TD HEIGHT="8" COLSPAN="2"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP" NOWRAP> Exhibit&nbsp;99.2 </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="TOP" NOWRAP ALIGN="RIGHT"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="RIGHT"> &#150; </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="TOP"> Quarterly Financial Supplement, December 2014. </TD> </TR> </TABLE> <A NAME="eolPage4"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> </EFX_UNIDENTIFIED_TABLE> </EFX_FINANCIAL_STATEMENTS_AND_EXHIBITS> </EFX_SECTION_9_FINANCIAL_STATEMENTS_AND_EXHIBITS> <EFX_SIGNATURES> <A NAME="FIS_SIGNATURES"></A> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> SIGNATURES </B> </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TR> <TD WIDTH="4%"> </TD> <TD VALIGN="BOTTOM" WIDTH="1%"> </TD> <TD WIDTH="43%"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD WIDTH="3%"> </TD> <TD VALIGN="BOTTOM" WIDTH="1%"> </TD> <TD WIDTH="2%"> </TD> <TD VALIGN="BOTTOM" WIDTH="1%"> </TD> <TD WIDTH="44%"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="TOP"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM" COLSPAN="3"> HUNTINGTON BANCSHARES INCORPORATED </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="16"> </TD> <TD HEIGHT="16" COLSPAN="2"> </TD> <TD HEIGHT="16" COLSPAN="2"> </TD> <TD HEIGHT="16" COLSPAN="2"> </TD> <TD HEIGHT="16" COLSPAN="2"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> Date: </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="TOP"> January 22, 2015 </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="TOP"> By: </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:1PT; BORDER-BOTTOM:1PX SOLID #000000; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> /s/ Howell D. McCullough III </P> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="TOP"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> Howell D. McCullough III </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="TOP"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> Senior Executive Vice President and Chief Financial Officer </TD> </TR> </TABLE> <A NAME="eolPage5"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> </EFX_SIGNATURES> <EFX_EXHIBIT_INDEX> <A NAME="FIS_EXHIBIT_INDEX"></A> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> EXHIBIT INDEX </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <EFX_UNIDENTIFIED_TABLE> <A NAME="FIS_UNIDENTIFIED_TABLE_3"></A> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD WIDTH="88%"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" NOWRAP> <B> Exhibit&nbsp;No. </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" NOWRAP> <B> Description </B> </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="2"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP" NOWRAP> Exhibit&nbsp;99.1 </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="TOP"> News release of Huntington Bancshares Incorporated, January 22, 2015. </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="2"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP" NOWRAP> Exhibit&nbsp;99.2 </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="TOP"> Quarterly Financial Supplement, December 2014. </TD> </TR> </TABLE> </EFX_UNIDENTIFIED_TABLE> </EFX_EXHIBIT_INDEX> </EFX_FORM> <DIV CLASS="eolNewPage"></DIV> <A NAME="eolPage6"></A> <A NAME="D856356DEX991_HTM"></A> <EFX_EXHIBIT_99> <A NAME="FIS_EXHIBIT_99"></A> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="RIGHT"> <B> Exhibit 99.1 </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <P STYLE="MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT"> <IMG SRC="http://content.edgar-online.com/edgar_conv_img/2015/01/22/0001193125-15-016843_G856356EX99_1PG001.JPG" ALT="LOGO"> </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> FOR IMMEDIATE RELEASE </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> January&nbsp;22, 2015 </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="10%" VALIGN="TOP" ALIGN="LEFT"> <B> Analysts: </B> </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Todd Beekman (todd.beekman@huntington.com), 614.480.3878 </TD> </TR> </TABLE> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="10%" VALIGN="TOP" ALIGN="LEFT"> &nbsp;&nbsp;&nbsp;&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Mark Muth (mark.muth@huntington.com), 614.480.4720 </TD> </TR> </TABLE> <EFX_UNIDENTIFIED_TABLE> <A NAME="FIS_UNIDENTIFIED_TABLE_4"></A> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> Media: </B> &nbsp;&nbsp;&nbsp;&nbsp;Maureen Brown (maureen.brown@huntington.com), 614.480.5512 </P> <P STYLE="MARGIN-TOP:24PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> HUNTINGTON BANCSHARES INCORPORATED REPORTS 2014 FOURTH QUARTER NET </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> INCOME OF $164 MILLION; EARNINGS PER COMMON SHARE OF $0.19; </B> </P> </EFX_UNIDENTIFIED_TABLE> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> DELIVERING STRONG LOAN GROWTH </B> </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> COLUMBUS, Ohio &#150; Huntington Bancshares Incorporated (NASDAQ: HBAN; <U> www.huntington.com </U> ) reported net income for the 2014 fourth quarter of $164 million, a $9 million and $5 million increase from the prior and year-ago quarters, respectively. Earnings per common share for the 2014 fourth quarter were $0.19, an increase of $0.01 from the prior and year-ago quarters. </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> 2014 full-year net income was $632 million, down 1% from the prior year. Earnings per common share for the year were $0.72, unchanged from the prior year. </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> &#147;We met our commitments of positive operating leverage and revenue growth,&#148; said Steve Steinour, chairman, president and CEO. &#147;We continue to invest opportunistically to position ourselves well as we move into 2015 and beyond.&#148; </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> &#147;Last year we invested in a series of initiatives that drove revenue growth while streamlining our operations. As a result, Huntington is uniquely attractive to both consumer and commercial customers who appreciate our innovative products, strong distribution system, digital banking, and award-winning customer service,&#148; continued Steinour. &#147;We continue to manage risk while investing to deliver continued growth and positive operating leverage.&#148; </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> &#147;2014 was a year of accomplishments, evidenced by retail banking customers rating Huntington &#145;Highest in Customer Satisfaction with Retail Banking in the North Central Region&#146; for the second year in a row in the J.D. Power 2014 U.S. Retail Banking Satisfaction Study. Furthermore, small business owners ranked Huntington &#145;Highest in Customer Satisfaction with Small Business Banking in the Midwest Region&#146; in another study released by J.D. Power in 2014,&#148; Steinour said. &#147;Huntington has been recognized as the No.&nbsp;1 SBA lender in the country in terms of number of loans, and also cited by the U.S. Treasury Department as the largest lender in its state small business credit initiative.&#148; </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Huntington today also announced that the Board of Directors declared a quarterly cash dividend on its common stock of $0.06 per common share. The dividend is payable April&nbsp;1, 2015, to shareholders of record on March&nbsp;18, 2015. </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> Specific full-year 2014 highlights compared with 2013: </B> </P> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> 1.01% return on average assets, 11.8% return on average tangible common equity </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $100 million, or 4%, increase in fully-taxable equivalent revenue </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Achieved positive operating leverage for the second consecutive year </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $6.1 billion, or 12%, increase in average earning assets </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $3.6 billion, or 9%, increase in average loans and leases </TD> </TR> </TABLE> <P STYLE="MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT ; FONT-SIZE:8PT">&nbsp; </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> 1 </P> <A NAME="eolPage7"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Net interest margin of 3.23%, a decrease of 13 basis points </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $33 million, or 3%, decrease in noninterest income, including a $42 million, or 33%, decrease in mortgage banking income </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $124 million, or 7%, increase in noninterest expense, largely driven by $76 million net impact of Significant Items related to acquisitions, franchise repositioning, net additions to litigation reserves, and the benefit from the prior year&#146;s pension curtailment </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Net charge-offs declined to 0.27% of average loans and leases, down from 0.45% </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> 35.7&nbsp;million common shares repurchased at an average price of $9.37 per share; Combined with dividends of $0.21 per share, $506 million was returned to shareholders </TD> </TR> </TABLE> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> 2014 Fourth Quarter specific highlights compared with 2013 Fourth Quarter: </B> </P> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $0.36, or 6%, increase in tangible book value per common share to $6.62; end of period dividend yield of 2.1% </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $7.0 billion, or 13%, increase in average earning assets; $4.0 billion, or 9%, increase in average loans and leases </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $25 million, or 4%, increase in fully-taxable equivalent revenue </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $37 million, or 8%, increase in noninterest expense, including $13 million net increase related to Significant Items </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $22 million decrease in provision for credit losses </TD> </TR> </TABLE> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> 2014 Fourth Quarter specific highlights compared with 2014 Third Quarter: </B> </P> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $1.3 billion, or 9% annualized, increase in average earning assets, including a $1.0 billion, or 8% annualized, increase in average loans and leases </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Net interest margin of 3.18%, a decrease of 2 basis points </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $14 million, or 6%, decrease in noninterest income, including an $11 million, or 44%, decrease in mortgage banking income </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $22 million decrease in provision for credit losses </TD> </TR> </TABLE> <EFX_INCOME_STATEMENT> <A NAME="FIS_INCOME_STATEMENT"></A> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <I> Table 1 </I> </B> <B> &#150; </B> <B> <I> Earnings Performance Summary </I> </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="65%"> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> Full Year </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> 2014 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> </B> 2013 <B> </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" NOWRAP> <P STYLE="BORDER-BOTTOM:1.00PT SOLID #000000; WIDTH:118.20PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> </B> <I> ($ in millions, except per share data) </I> <B> </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> 2014 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> </B> 2013 <B> </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> Fourth <BR> Quarter </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> </B> Third <BR> Quarter <B> </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> </B> Fourth <BR> Quarter <B> </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net Income </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 632.4 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 641.3 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 163.6 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 155.0 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 158.2 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Diluted earnings per common share </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.72 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.72 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.19 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.18 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.18 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Return on average assets </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 1.01 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> %&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.14 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 1.00 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> %&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.97 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.09 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Return on average common equity </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 10.2 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 10.3 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Return on average tangible common equity </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 11.8 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12.7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 11.9 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net interest margin </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 3.23 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.36 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 3.18 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.20 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.28 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Efficiency ratio </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 65.1 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 62.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 66.2 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 65.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 63.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Tangible book value per common share </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 6.62 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6.26 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 6.62 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6.53 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6.26 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Cash dividends declared per common share </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.21 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.19 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.06 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.05 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.05 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average diluted shares outstanding (000&#146;s) </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 833,081 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 843,974 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 825,338 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 829,623 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 842,324 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average earning assets </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 57,705 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 51,598 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 60,010 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 58,707 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 53,012 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average loans </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 45,425 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 41,826 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 47,092 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 46,113 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 43,138 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average core deposits </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 46,147 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 43,979 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 47,638 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 46,119 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 44,748 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Tangible common equity / tangible assets ratio </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 8.17 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> %&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.82 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 8.17 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> %&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.35 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.82 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Tier 1 common risk-based capital ratio </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 10.23 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.31 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 10.23 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.31 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.90 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> NCOs as a % of average loans and leases </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.27 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> %&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.45 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.20 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> %&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.26 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.43 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> NAL ratio </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.63 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.75 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.63 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.70 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.75 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> ACL as a % of total loans and leases </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 1.40 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.65 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 1.40 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.47 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.65 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> </TABLE> </EFX_INCOME_STATEMENT> <P STYLE="MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT ; FONT-SIZE:8PT">&nbsp; </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> 2 </P> <A NAME="eolPage8"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Table 2 lists certain items that Management believes are significant in understanding corporate performance and trends (see Basis of Presentation). This quarter contained two Significant Items: 1) a $12 million net increase in litigation reserves, and 2) $9 million of franchise repositioning related expense for the previously announced consolidation of 26 branches and organizational actions. </P> <EFX_UNIDENTIFIED_TABLE> <A NAME="FIS_UNIDENTIFIED_TABLE_5"></A> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <I> Table 2 &#150; Significant Items Influencing Earnings </I> </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="70%"> </TD> <TD VALIGN="BOTTOM" WIDTH="7%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="7%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="7%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" ROWSPAN="2"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> </B> <I> Three Months Ended </I> <B> </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:1PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> (in millions, except per share) </I> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" NOWRAP ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Pre-Tax&nbsp;Impact </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> After-Tax Impact </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Amount </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Amount&nbsp; <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> <FONT STYLE="FONT-SIZE:5PT"> <I> (1) </I> </FONT> </SUP> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> EPS <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> <FONT STYLE="FONT-SIZE:5PT"> <I> (2) </I> </FONT> </SUP> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> December&nbsp;31, 2014 &#150; net income </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 164 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.19 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> &#149; Addition to litigation reserves </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (12 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (8 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (0.01 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> &#149; Franchise repositioning related expense </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (9 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (6 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (0.01 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> September&nbsp;30, 2014 &#150; net income </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 155 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.18 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> &#149; Franchise repositioning related expense </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (19 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (13 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (0.02 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> &#149; Merger and acquisition related net expenses </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (3 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (2 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (0.00 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> June&nbsp;30, 2014 &#150; net income </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 165 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.19 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> March&nbsp;31, 2014 &#150; net income </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 149 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.17 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> &#149; Camco Financial acquisition </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (12 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (8 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (0.01 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> &#149; Addition to litigation reserves </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (9 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (6 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (0.01 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> December&nbsp;31, 2013 &#150; net income </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 158 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.18 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> &#149; Franchise repositioning related expense </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (7 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (5 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (0.01 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> September&nbsp;30, 2013 &#150; net income </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 178 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.20 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> &#149; Pension curtailment gain </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 34 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 22 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.03 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> &#149; Franchise repositioning related expense </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (17 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (11 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (0.01 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> June&nbsp;30, 2013 &#150; net income </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 151 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.17 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> March&nbsp;31, 2013 &#150; net income </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 153 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.17 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> </TR> </TABLE> </EFX_UNIDENTIFIED_TABLE> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <I> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (1) </SUP> &nbsp; </I> </TD> <TD ALIGN="LEFT" VALIGN="TOP"> <I> Favorable (unfavorable) impact on net income; 35% operating tax rate </I> </TD> </TR> </TABLE> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <I> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (2) </SUP> &nbsp; </I> </TD> <TD ALIGN="LEFT" VALIGN="TOP"> <I> EPS reflected on a fully diluted basis </I> </TD> </TR> </TABLE> <EFX_INCOME_STATEMENT> <A NAME="FIS_INCOME_STATEMENT_2"></A> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <U> Net Interest Income, Net Interest Margin, and Average Balance Sheet </U> </B> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <I> Table 3 &#150; Net Interest Income and Net Interest Margin Performance Summary </I> </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="55%"> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> 2014 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2013 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2014 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2013 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> <B> Full </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Full </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Change </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> <B> Fourth </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Third </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Fourth </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Change (%) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" NOWRAP> <P STYLE="BORDER-BOTTOM:1.00PT SOLID #000000; WIDTH:45.20PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> ($ in millions) </I> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> Year </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Year </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> YOY </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> Quarter </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> LQ </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> YOY </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net interest income </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 1,837.1 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,704.6 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 473.3 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 466.3 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 430.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (1 </TD> <TD NOWRAP VALIGN="BOTTOM"> )% </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> FTE adjustment </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 27.6 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 27.3 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 7.5 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7.5 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.2 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (8 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net interest income - FTE </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 1,864.7 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,731.9 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 480.8 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 473.8 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 438.8 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (1 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Noninterest income </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 979.2 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,012.2 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (3 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 233.3 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 247.3 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 249.9 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (7 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total revenue - FTE </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 2,843.9 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2,744.1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 714.1 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 721.2 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 688.7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="16"> </TD> <TD HEIGHT="16" COLSPAN="4"> </TD> <TD HEIGHT="16" COLSPAN="4"> </TD> <TD HEIGHT="16" COLSPAN="4"> </TD> <TD HEIGHT="16" COLSPAN="4"> </TD> <TD HEIGHT="16" COLSPAN="4"> </TD> <TD HEIGHT="16" COLSPAN="4"> </TD> <TD HEIGHT="16" COLSPAN="8"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Change&nbsp;bps </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" NOWRAP> <P STYLE="BORDER-BOTTOM:1.00PT SOLID #000000; WIDTH:38.60PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> Yield / Cost </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> LQ </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> YOY </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total earning assets </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 3.47 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> %&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.66 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (19 </TD> <TD NOWRAP VALIGN="BOTTOM"> )bp&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 3.41 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> % </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.44 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.58 </TD> <TD NOWRAP VALIGN="BOTTOM"> % </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (3 </TD> <TD NOWRAP VALIGN="BOTTOM"> )bp&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (17 </TD> <TD NOWRAP VALIGN="BOTTOM"> )bp&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total loans and leases </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 3.71 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.93 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (22 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 3.60 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.66 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.77 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (6 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (18 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total securities </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 2.57 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2.45 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 2.65 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2.54 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2.60 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total interest-bearing liabilities </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.34 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.43 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (9 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.32 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.33 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.42 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (10 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total interest-bearing deposits </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.25 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.35 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (10 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.23 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.23 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.32 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (1 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (9 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net interest rate spread </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 3.13 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.23 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (10 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 3.09 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.11 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.16 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (3 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (8 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Impact of noninterest-bearing funds on margin </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.10 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.13 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (3 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.09 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.09 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.12 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (3 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net interest margin </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 3.23 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> %&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.36 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (13 </TD> <TD NOWRAP VALIGN="BOTTOM"> )bp&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 3.18 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> % </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.20 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.28 </TD> <TD NOWRAP VALIGN="BOTTOM"> % </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (2 </TD> <TD NOWRAP VALIGN="BOTTOM"> )bp&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (11 </TD> <TD NOWRAP VALIGN="BOTTOM"> )bp&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> </TABLE> </EFX_INCOME_STATEMENT> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> See Page 8 &amp; 18 of Quarterly Financial Supplement for additional detail. </I> </P> <P STYLE="MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT ; FONT-SIZE:8PT">&nbsp; </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> 3 </P> <A NAME="eolPage9"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Fully-taxable equivalent (FTE) net interest income for the 2014 fourth quarter increased $42 million, or 10%, from the 2013 fourth quarter. This reflected the benefit from the $7.0 billion, or 13%, increase in average earnings assets, including a $4.0 billion, or 9%, increase in average loans and leases and a $3.0 billion, or 31%, increase in average securities. This earning asset growth was partially offset by the 10 basis point decrease in the FTE net interest margin (NIM) to 3.18%. The NIM contraction reflected a 17 basis point decrease related to the mix and yield of earning assets and 3 basis point reduction in benefit from the impact of noninterest-bearing funds, partially offset by the 10 basis point reduction in funding costs. </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Compared to the 2014 third quarter, FTE net interest income increased $7 million, or 6% annualized. While the NIM decreased 2 basis points, average earning assets increased $1.3 billion, or 9% annualized, including a $1.0 billion, or 8% annualized, increase in average loans and leases. </P> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <I> Table 4 &#150; Average Earning Assets &#150; Automobile and C&amp;I Activity Continue to Drive Growth </I> </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <EFX_UNIDENTIFIED_TABLE> <A NAME="FIS_UNIDENTIFIED_TABLE_6"></A> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="65%"> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> 2014 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2013 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2014 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2013 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> <B> Full </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Full </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> YOY </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> <B> Fourth </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Third </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Fourth </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Change (%) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" NOWRAP> <P STYLE="BORDER-BOTTOM:1.00PT SOLID #000000; WIDTH:37.40PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> </B> <I> (in billions) </I> <B> </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> Year </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Year </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Change </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> Quarter </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> LQ </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> YOY </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> Average Loans and Leases </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Commercial and industrial </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 18.3 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 17.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 18.9 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 18.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 17.7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM"> % </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7 </TD> <TD NOWRAP VALIGN="BOTTOM"> % </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Commercial real estate </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 5.0 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (1 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 5.1 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total commercial </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 23.3 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 22.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 24.0 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 23.5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 22.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Automobile </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 7.7 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5.7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 35 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 8.5 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6.5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 31 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Home equity </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 8.4 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 8.5 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Residential mortgage </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 5.6 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 5.8 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5.7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Other consumer </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.4 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (9 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.4 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total consumer </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 22.1 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 19.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 23.1 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 22.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 20.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total loans and leases </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 45.4 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 41.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 47.1 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 46.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 43.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total securities </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 11.9 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 29 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 12.5 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9.5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 31 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Held-for-sale and other earning assets </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.4 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (31 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.5 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 17 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total earning assets </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 57.7 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 51.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12 </TD> <TD NOWRAP VALIGN="BOTTOM"> % </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 60.0 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 58.7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 53.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM"> % </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13 </TD> <TD NOWRAP VALIGN="BOTTOM"> % </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> </TABLE> </EFX_UNIDENTIFIED_TABLE> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> See Page 6 &amp; 16 of Quarterly Financial Supplement for additional detail. </I> </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average earning assets for the 2014 fourth quarter increased $7.0 billion, or 13%, from the year-ago quarter, driven by: </P> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%">&nbsp; </TD> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $3.0 billion, or 31%, increase in average securities, reflecting an increase of $1.5 billion of Liquidity Coverage Ratio (LCR) Level 1 qualified securities and $1.3 billion of direct purchase municipal instruments, which at the end of the <FONT STYLE="WHITE-SPACE:NOWRAP"> year-ago </FONT> quarter $0.6 billion were reclassified from Commercial and Industrial (C&amp;I) loans. </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%">&nbsp; </TD> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $2.0 billion, or 31%, increase in average Automobile loans, as originations remained strong. </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%">&nbsp; </TD> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $1.2 billion, or 7%, increase in average C&amp;I loans and leases, primarily reflecting growth in trade finance in support of our middle market and corporate customers. </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%">&nbsp; </TD> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $0.4 billion, or 8%, increase in average Residential mortgage loans as a result of the Camco acquisition and a decrease in the rate of payoffs due to lower levels of refinancing. </TD> </TR> </TABLE> <P STYLE="MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT ; FONT-SIZE:8PT">&nbsp; </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> 4 </P> <A NAME="eolPage10"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <I> Table 5 &#150; Average Liabilities &#150; Focus on Core Customer Relationships and Reducing Funding Costs Continues to Drive Shift in Funding Mix </I> </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <EFX_UNIDENTIFIED_TABLE> <A NAME="FIS_UNIDENTIFIED_TABLE_7"></A> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="64%"> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> 2014 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2013 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> 2014 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2013 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> <B> Full </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Full </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> YOY </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> <B> Fourth </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Third </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Fourth </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Change (%) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" NOWRAP> <P STYLE="BORDER-BOTTOM:1.00PT SOLID #000000; WIDTH:37.40PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> (in billions) </I> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> Year </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Year </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Change </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> Quarter </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> LQ </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> YOY </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> Average Deposits </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Demand deposits - noninterest bearing </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 14.0 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 15.2 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 14.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 14 </TD> <TD NOWRAP VALIGN="BOTTOM"> % </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Demand deposits - interest bearing </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 5.9 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 5.9 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total demand deposits </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 19.9 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 18.7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 21.1 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 20.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 19.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Money market deposits </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 17.9 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 15.7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 14 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 18.4 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 17.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 16.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Savings and other domestic deposits </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 5.0 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 5.1 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Core certificates of deposit </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 3.3 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4.5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (27 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 3.1 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (3 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (22 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total core deposits </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 46.1 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 44.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 47.6 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 46.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 44.7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Other domestic deposits of $250,000 or more </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.2 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (21 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.2 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (10 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (27 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Brokered deposits and negotiable CDs </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 2.1 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 33 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 2.4 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 74 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Other deposits </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.4 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.5 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 28 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 35 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total deposits </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 48.9 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 46.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 50.8 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 49.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 46.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Short and long-term borrowings </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 6.3 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 104 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 6.6 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (7 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 78 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total Interest-bearing liabilities </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 41.2 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 36.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 42.2 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 42.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 37.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 14 </TD> <TD NOWRAP VALIGN="BOTTOM"> % </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> </TABLE> </EFX_UNIDENTIFIED_TABLE> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> See Page 6 &amp; 16 of Quarterly Financial Supplement for additional detail. </I> </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average total core deposits for the 2014 fourth quarter increased $2.9 billion, or 6%, from the year-ago quarter, of which $1.1 billion were acquired deposits. Noninterest bearing deposits increased $1.8 billion, or 14%. Average interest-bearing liabilities increased $5.1 billion, or 14%, from the year-ago quarter, reflecting: </P> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%">&nbsp; </TD> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $2.9 billion, or 78%, increase in short- and long-term borrowings, primarily reflecting a cost-effective method of funding incremental LCR related securities growth. </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%">&nbsp; </TD> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $1.6 billion, or 9%, increase in money market deposits, reflecting the strategic focus on customer growth and increased share-of-wallet among both consumer and commercial customers. </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%">&nbsp; </TD> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $1.0 billion, or 74%, increase in brokered deposits and negotiated CDs, which were used to efficiently finance balance sheet growth while continuing to manage the overall cost of funds. </TD> </TR> </TABLE> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Partially offset by: </P> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%">&nbsp; </TD> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $0.9 billion, or 22%, decrease in average core certificates of deposit due to the strategic focus on changing the funding sources to no-cost demand deposits and lower-cost money market deposits. </TD> </TR> </TABLE> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Compared to the 2014 third quarter, average noninterest bearing deposits increased $1.1 billion, or 31% annualized, while average short- and long-term borrowings decreased by $0.5 billion, or 29% annualized. </P> <P STYLE="MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT ; FONT-SIZE:8PT">&nbsp; </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> 5 </P> <A NAME="eolPage11"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <EFX_UNIDENTIFIED_TABLE> <A NAME="FIS_UNIDENTIFIED_TABLE_8"></A> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <U> Noninterest Income </U> </B> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <I> Table 6 &#150; Noninterest Income </I> </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="57%"> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> 2014 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2013 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> 2014 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2013 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> <B> Full </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Full </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> YOY </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> <B> Fourth </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Third </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Fourth </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Change (%) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" NOWRAP> <P STYLE="BORDER-BOTTOM:1.00PT SOLID #000000; WIDTH:39.20PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> </B> <I> (in millions) </I> <B> </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> Year </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Year </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Change </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> Quarter </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> LQ </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> YOY </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> Noninterest Income </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Service charges on deposit accounts </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 273.7 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 271.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 67.4 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 69.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 70.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (2 </TD> <TD NOWRAP VALIGN="BOTTOM"> )% </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (4 </TD> <TD NOWRAP VALIGN="BOTTOM"> )%&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Trust services </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 116.0 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 123.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (6 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 28.8 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 28.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 30.7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (6 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Electronic Banking </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 105.4 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 92.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 14 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 28.0 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 27.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 24.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 15 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Mortgage banking income </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 84.9 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 126.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (33 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 14.0 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 25.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 24.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (44 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (42 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Brokerage Income </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 68.3 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 69.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (2 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 16.1 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 17.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 15.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (6 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Insurance income </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 65.5 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 69.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (5 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 16.3 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 16.7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 15.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (3 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Bank owned life insurance income </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 57.0 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 56.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 15.0 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 14.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Capital markets fees </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 43.7 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 45.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (3 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 13.8 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 35 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Gain on sale of loans </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 21.1 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 18.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 16 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 5.4 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (34 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (24 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Securities (losses) gains </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 17.6 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4100 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> (0.1 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> )&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (153 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (108 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Other income </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 126.0 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 138.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (9 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 28.7 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 30.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 35.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (6 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (19 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total noninterest income </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 979.2 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,012.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (3 </TD> <TD NOWRAP VALIGN="BOTTOM"> )%&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 233.3 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 247.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 249.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (6 </TD> <TD NOWRAP VALIGN="BOTTOM"> )%&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (7 </TD> <TD NOWRAP VALIGN="BOTTOM"> )%&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> </TABLE> </EFX_UNIDENTIFIED_TABLE> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Noninterest income for the 2014 fourth quarter decreased $17 million, or 7%, from the year-ago quarter, primarily reflecting: </P> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%">&nbsp; </TD> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $10 million, or 42%, decrease in mortgage banking income primarily related to the $6 million impact of net MSR hedging activity. </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%">&nbsp; </TD> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $7 million, or 19%, decrease in other income, primarily related to lower fees associated with commercial loan activity. </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%">&nbsp; </TD> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $3 million, or 4%, decrease in service charges on deposit accounts, reflecting the late July 2014 implementation of changes in consumer products that were partially offset by a 10% increase in consumer households and changing customer usage patterns. </TD> </TR> </TABLE> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Partially offset by: </P> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%">&nbsp; </TD> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $4 million, or 15%, increase in electronic banking due to higher card related income and underlying customer growth. </TD> </TR> </TABLE> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Compared to the 2014 third quarter, noninterest income decreased $14 million, or 6%, primarily related to a similar decline in mortgage banking income. </P> <P STYLE="MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT ; FONT-SIZE:8PT">&nbsp; </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> 6 </P> <A NAME="eolPage12"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <U> Noninterest Expense </U> </B> (see Basis of Presentation) </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <I> Table 7 &#150; Noninterest Expense from Continuing Operations (GAAP) </I> </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <EFX_UNIDENTIFIED_TABLE> <A NAME="FIS_UNIDENTIFIED_TABLE_9"></A> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="59%"> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> 2014 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> </B> 2013 <B> </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> 2014 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> </B> 2013 <B> </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="6" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> <B> Full </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Full </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> YOY </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> <B> Fourth </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Third </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Fourth </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Change % </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" NOWRAP> <P STYLE="BORDER-BOTTOM:1.00PT SOLID #000000; WIDTH:39.20PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> </B> <I> (in millions) </I> <B> </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> Year </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Year </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Change </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> Quarter </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> LQ </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> YOY </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> Noninterest Expense </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Personnel costs </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 1,048.8 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,001.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 263.3 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 275.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 249.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (4 </TD> <TD NOWRAP VALIGN="BOTTOM"> )%&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6 </TD> <TD NOWRAP VALIGN="BOTTOM"> % </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Outside data processing and other services </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 212.6 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 199.5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 53.7 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 53.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 51.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net occupancy </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 128.1 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 125.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 31.6 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 34.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 32.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (8 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (1 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Equipment </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 119.7 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 106.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 32.0 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 30.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 28.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Professional services </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 59.6 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 40.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 47 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 15.7 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 14 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 35 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Marketing </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 50.6 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 51.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (1 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 12.5 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13.7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (1 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (9 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Deposit and other insurance expense </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 49.0 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 50.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (2 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 13.1 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 30 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Amortization of intangibles </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 39.3 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 41.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (5 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 10.7 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Other expense </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 174.8 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 141.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 24 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 50.9 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 39.5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 39.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 29 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 31 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total noninterest expense </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 1,882.3 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,758.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 483.3 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 480.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 446.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8 </TD> <TD NOWRAP VALIGN="BOTTOM"> % </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="16"> </TD> <TD HEIGHT="16" COLSPAN="4"> </TD> <TD HEIGHT="16" COLSPAN="4"> </TD> <TD HEIGHT="16" COLSPAN="4"> </TD> <TD HEIGHT="16" COLSPAN="4"> </TD> <TD HEIGHT="16" COLSPAN="4"> </TD> <TD HEIGHT="16" COLSPAN="4"> </TD> <TD HEIGHT="16" COLSPAN="4"> </TD> <TD HEIGHT="16" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" NOWRAP> <P STYLE="BORDER-BOTTOM:1.00PT SOLID #000000; WIDTH:45.90PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> </B> <I> (in thousands) </I> <B> </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Number of employees (Average full-time equivalent) </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 11.9 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.9 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 11.9 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (1 </TD> <TD NOWRAP VALIGN="BOTTOM"> )%&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM"> % </TD> </TR> </TABLE> </EFX_UNIDENTIFIED_TABLE> <EFX_UNIDENTIFIED_TABLE> <A NAME="FIS_UNIDENTIFIED_TABLE_10"></A> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <I> Table 8 &#150; Impacts of Significant Items: </I> </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="59%"> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> 2014 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> </B> 2013 <B> </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> 2014 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> </B> 2013 <B> </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="6" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> <B> Full </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Full </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> YOY </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> <B> Fourth </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Third </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Fourth </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Change </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" NOWRAP> <P STYLE="BORDER-BOTTOM:1.00PT SOLID #000000; WIDTH:39.20PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> </B> <I> (in millions) </I> <B> </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> Year </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Year </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Change </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> Quarter </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> LQ </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> YOY </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> Noninterest Expense </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Personnel costs </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 19.8 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (27.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 47.1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 2.2 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 15.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (13.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2.1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Outside data processing and other services </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 5.5 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4.2 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.3 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (0.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net occupancy </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 11.2 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (1.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 4.1 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (1.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (0.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Equipment </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 2.2 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (0.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 2.0 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.2 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Professional services </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 2.2 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2.2 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> <B> &#151;&nbsp;&nbsp; </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Marketing </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 1.4 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.4 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.0 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (0.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Other expense </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 23.1 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 22.2 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 11.6 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.7 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total noninterest expense </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 65.5 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (10.5 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 75.9 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 20.3 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 22.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (2.5 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13.4 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> </TABLE> </EFX_UNIDENTIFIED_TABLE> <EFX_UNIDENTIFIED_TABLE> <A NAME="FIS_UNIDENTIFIED_TABLE_11"></A> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <I> Table 9 &#150; Adjusted Noninterest Expense (Non-GAAP): </I> </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="59%"> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> 2014 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2013 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> 2014 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> </B> 2013 <B> </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD COLSPAN="6" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> <B> Full </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Full </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> YOY </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> <B> Fourth </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Third </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> Fourth </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Change % </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" NOWRAP> <P STYLE="BORDER-BOTTOM:1.00PT SOLID #000000; WIDTH:39.20PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> </B> <I> (in millions) </I> <B> </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> Year </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Year </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Change </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> Quarter </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Quarter </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> LQ </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> YOY </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> Noninterest Expense </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Personnel costs </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 1,028.9 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,028.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 261.1 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 260.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 249.5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5 </TD> <TD NOWRAP VALIGN="BOTTOM"> % </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Outside data processing and other services </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 207.1 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 198.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 53.4 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 52.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 50.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net occupancy </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 116.9 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 113.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 27.4 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 29.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 27.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (6 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (1 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Equipment </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 117.4 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 104.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 30.0 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 30.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 27.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (0 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Professional services </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 57.3 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 40.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 41 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 15.7 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 14 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 35 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Marketing </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 49.2 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 51.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (4 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 12.5 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13.7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (9 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Deposit and other insurance expense </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 49.0 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 50.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (2 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 13.1 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 30 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Amortization of intangibles </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 39.3 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 41.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (5 </TD> <TD NOWRAP VALIGN="BOTTOM"> ) </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 10.7 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Other expense </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 151.7 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 140.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 39.2 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 38.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 38.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total noninterest expense </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 1,816.9 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,768.5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 463.0 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 457.5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 439.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM"> % </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5 </TD> <TD NOWRAP VALIGN="BOTTOM"> % </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> </TABLE> </EFX_UNIDENTIFIED_TABLE> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Reported noninterest expense for the 2014 fourth quarter increased $37 million, or 8%, from the year-ago quarter. Excluding the impact of Significant Items, noninterest expense increased $24 million, or 5%. Changes in reported noninterest expense primarily reflect: </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%">&nbsp; </TD> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $14 million, or 6%, increase in personnel costs. Excluding the impact of Significant Items, personnel costs increased $12 million, or 5%, primarily related to a $9 million increase in salaries reflecting 1% increase in the number of full-time equivalent employees and a $4 million increase in health insurance costs. </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%">&nbsp; </TD> <TD WIDTH="3%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $12 million, or 31%, increase in other expense. Excluding the impact of Significant Items, other expenses increased $1 million, or 3%. </TD> </TR> </TABLE> <P STYLE="MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT ; FONT-SIZE:8PT">&nbsp; </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> 7 </P> <A NAME="eolPage13"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="5%">&nbsp; </TD> <TD WIDTH="2%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $4 million, or 35%, increase in professional services, reflecting an increase in outside consultant expenses and legal services. </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="5%">&nbsp; </TD> <TD WIDTH="2%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> $3 million, or 11%, increase in equipment. Excluding the impact of Significant Items, equipment expenses increased $2 million, or 7%, primarily reflecting higher depreciation expense. </TD> </TR> </TABLE> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Noninterest expense increased $3 million, or less than 1%, from the 2014 third quarter. When adjusting for the $20 million of Significant Items in the 2014 fourth quarter and the $23 million of Significant Items in the 2014 third quarter, noninterest expense increased $5 million. On a reported basis, personnel costs decreased $12 million, or 4%, reflecting the prior quarter&#146;s franchise repositioning actions. Other expense increased $11 million, or 29%, reflecting the current quarter&#146;s $12 million net increase to litigation reserves. </P> <EFX_UNIDENTIFIED_TABLE> <A NAME="FIS_UNIDENTIFIED_TABLE_12"></A> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <U> Credit Quality </U> </B> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <I> Table 10 &#150; Summary Credit Quality Metrics </I> </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="65%"> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="14" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> 2014 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2013 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" NOWRAP> <P STYLE="BORDER-BOTTOM:1.00PT SOLID #000000; WIDTH:51.90PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> </B> <I> ($ in thousands) </I> <B> </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> Dec. 31 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Sep. 30 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Jun. 30 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Mar. 31 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Dec. 31 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total nonaccrual loans and leases </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 300,244 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 325,765 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 324,957 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 327,158 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 322,056 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total other real estate, net </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 35,039 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 36,270 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 34,695 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 35,691 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 27,664 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Other NPAs <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> <FONT STYLE="FONT-SIZE:6.5PT"> <I> (1) </I> </FONT> </SUP> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 2,440 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2,440 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2,440 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2,440 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2,440 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total nonperforming assets </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 337,723 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 364,475 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 362,092 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 365,289 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 352,160 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Accruing loans and leases past due 90 days or more </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 75,469 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 87,348 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 85,367 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 98,412 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 76,209 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> NPAs + accruing loans and lease past due 90 days or more </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 413,192 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 451,823 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 447,459 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 463,701 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 428,369 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> NAL ratio <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> <FONT STYLE="FONT-SIZE:6.5PT"> <I> (2) </I> </FONT> </SUP> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.63 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> %&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.70 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.71 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.74 </TD> <TD NOWRAP VALIGN="BOTTOM"> % </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.75 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> NPA ratio <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> <FONT STYLE="FONT-SIZE:6.5PT"> <I> (3) </I> </FONT> </SUP> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.71 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.78 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.79 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.82 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.82 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> (NPAs+90 days)/(Loans+OREO) </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.98 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.08 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.08 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.17 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.20 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Provision for credit losses </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 2,494 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 24,480 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 29,385 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 24,630 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 24,331 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net charge-offs </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 22,975 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 30,023 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 28,643 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 42,986 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 46,447 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net charge-offs / Average total loans </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 0.20 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> %&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.26 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.25 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.40 </TD> <TD NOWRAP VALIGN="BOTTOM"> % </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.43 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Allowance for loans and lease losses </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 605,196 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 631,036 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 635,101 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 631,918 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 647,870 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Allowance for unfunded loan commitments and letters of credit </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 60,806 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 55,449 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 56,927 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 59,368 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 62,899 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Allowance for credit losses (ACL) </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 666,002 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 686,485 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 692,028 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 691,286 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 710,769 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> ACL as a % of: </B> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total loans and leases </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 1.40 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> %&nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.47 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.50 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.56 </TD> <TD NOWRAP VALIGN="BOTTOM"> % </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.65 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> NALs </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 222 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 211 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 213 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 211 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 221 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> NPAs </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 197 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 188 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 191 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 191 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 202 </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> </TR> </TABLE> </EFX_UNIDENTIFIED_TABLE> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <I> (1) </I> </TD> <TD ALIGN="LEFT" VALIGN="TOP"> <I> Other nonperforming assets includes certain impaired investment securities. </I> </TD> </TR> </TABLE> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <I> (2) </I> </TD> <TD ALIGN="LEFT" VALIGN="TOP"> <I> Total NALs as a % of total loans and leases. </I> </TD> </TR> </TABLE> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <I> (3) </I> </TD> <TD ALIGN="LEFT" VALIGN="TOP"> <I> Total NPAs as a % of sum of loans and leases, impaired loans held for sale, and net other real estate. </I> </TD> </TR> </TABLE> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> See Pages 11-14&nbsp;&amp; 21-24 of Quarterly Financial Supplement for additional detail. </I> </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Nonaccrual loans and leases (NALs) decreased $22 million, or 7%, compared to a year ago to $300 million, or 0.63% of total loans and leases. Nonperforming assets (NPAs) decreased $14 million, or 4%, to $338 million, or 0.71% of total loans and leases, OREO, and other NPAs. </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> The provision for credit losses decreased $22 million to $2 million in the 2014 fourth quarter reflecting the current quarter&#146;s higher-than-expected level of commercial recoveries and 19% decrease in NALs within the CRE portfolio. Net charge-offs (NCOs) decreased to $23 million with less than $1 million of NCOs within the total commercial portfolio. NCOs equated to an annualized 0.20% of average loans and leases in the current quarter compared to 0.26% and 0.43% in the prior and year-ago quarters, respectively. </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> The period-end allowance for credit losses (ACL) as a percentage of total loans and leases decreased to 1.40% from 1.65% a year ago, while the ACL as a percentage of period-end total NALs remained consistent at 222%. </P> <P STYLE="MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT ; FONT-SIZE:8PT">&nbsp; </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> 8 </P> <A NAME="eolPage14"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <EFX_UNIDENTIFIED_TABLE> <A NAME="FIS_UNIDENTIFIED_TABLE_13"></A> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <U> Capital </U> </B> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <I> Table 11 &#150; Capital Ratios </I> </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="65%"> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="14" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> 2014 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2013 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" NOWRAP> <P STYLE="BORDER-BOTTOM:1.00PT SOLID #000000; WIDTH:39.20PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> </B> <I> (in millions) </I> <B> </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> Dec. 31 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Sep. 30 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Jun. 30 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Mar. 31 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Dec. 31, </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Tangible common equity / tangible assets ratio </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 8.17 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> %&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.35 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.38 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.63 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.82 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Tier 1 common risk-based capital ratio </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 10.23 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> %&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.31 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.26 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.60 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.90 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Regulatory Tier 1 risk-based capital ratio </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 11.50 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> %&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.61 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.56 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.95 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12.28 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Excess over 6.0% <I> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (1) </SUP> </I> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 2,996 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2,987 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2,949 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3,042 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3,121 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Regulatory Total risk-based capital ratio </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> &nbsp; </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 13.56 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> %&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13.72 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13.67 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 14.13 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 14.57 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Excess over 10.0% <I> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (1) </SUP> </I> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 1,939 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,980 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,946 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2,111 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2,271 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total risk-weighted assets </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <B> $ </B> </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> <B> 54,479 </B> </TD> <TD NOWRAP VALIGN="BOTTOM"> <B> &nbsp;&nbsp; </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 53,239 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 53,035 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 51,120 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 49,690 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> </TABLE> </EFX_UNIDENTIFIED_TABLE> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <I> (1) </I> </TD> <TD ALIGN="LEFT" VALIGN="TOP"> <I> &#147;Well-capitalized&#148; regulatory threshold </I> </TD> </TR> </TABLE> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> See Page 15 of Quarterly Financial Supplement for additional detail. </I> </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> The tangible common equity to tangible assets ratio at December&nbsp;31, 2014, was 8.17%, down 65 basis points from a year ago. Tier 1 common risk-based capital ratio was 10.23%, down from 10.90% a year ago. The regulatory Tier 1 risk-based capital ratio was 11.50%, down from 12.28% a year ago. Huntington estimates the negative impact to Tier 1 common risk-based capital from the 2015 first quarter implementation of the Federal Reserve&#146;s revised Basel III capital rules will be approximately 40 basis points on a fully phased-in basis. </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> The decreases in the capital ratios were due to balance sheet growth and share repurchases that were partially offset by increased retained earnings and the stock issued in the Camco acquisition. Specifically, all capital ratios were impacted by the repurchase of 35.7&nbsp;million common shares over the last four quarters, 3.6&nbsp;million of which were repurchased during the 2014 fourth quarter. This decrease was offset partially by the increase in retained earnings, as well as the issuance of 8.7&nbsp;million common shares in the Camco acquisition. </P> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <U> Income Taxes </U> </B> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> The provision for income taxes in the 2014 fourth quarter was $57 million and $52 million in the 2013 fourth quarter. The effective tax rates for the 2014 fourth quarter and 2013 fourth quarter were 25.9% and 24.8%, respectively. At December&nbsp;31, 2014, we had a net federal deferred tax asset of $72.1 million and a net state deferred tax asset of $45.3 million. As of December&nbsp;31, 2014 and December&nbsp;31, 2013, there was no disallowed deferred tax asset for regulatory capital purposes. </P> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <U> Expectations &#150; 2015 </U> </B> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> &#147;As we move into 2015, customer activity is strong, pipelines are stable, and our balance sheet is well positioned. We anticipate economic growth throughout the year. We built our plan with an assumption of no change in interest rates and with the contingent flexibility to quickly adjust to an evolving operating environment,&#148; said Steinour. &#147;We remain committed to investing in the business, disciplined expense control, and delivering full-year positive operating leverage.&#148; </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Excluding Significant Items and net MSR activity, we expect to deliver positive operating leverage in 2015 with revenue growth exceeding noninterest expense growth of 2-4%. </P> <P STYLE="MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT ; FONT-SIZE:8PT">&nbsp; </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> 9 </P> <A NAME="eolPage15"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Overall, asset quality metrics are expected to remain near current levels, although moderate quarterly volatility also is expected, given the absolute low level of problem assets and credit costs. We anticipate NCOs will remain within or below our long-term normalized range of 35 to 55 basis points. </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> The effective tax rate for 2015 is expected to be in the range of 25% to 28%. </P> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <U> Conference Call / Webcast Information </U> </B> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Huntington&#146;s senior management will host an earnings conference call on January&nbsp;22, 2015, at 10:00 a.m. (Eastern Standard Time). The call may be accessed via a live Internet webcast at the Investor Relations section of Huntington&#146;s web site, www.huntington.com, or through a dial-in telephone number at (877)&nbsp;684-3807; Conference ID# 51410831. Slides will be available the Investor Relations section of Huntington&#146;s web site about an hour prior to the call. A replay of the webcast will be archived in the Investor Relations section of Huntington&#146;s web site. A telephone replay will be available approximately two hours after the completion of the call through January&nbsp;31, 2015 at (855)&nbsp;859-2056 or (404)&nbsp;537-3406; conference ID# 51410831. </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> Please see the 2014 Fourth Quarter Quarterly Financial Supplement for additional detailed financial performance metrics. This document can be found at the Investor Relations section of Huntington&#146;s web site, </I> www.huntington.com. <I> </I> </P> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> Forward-looking Statement </B> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> This document contains certain forward-looking statements, including certain plans, expectations, goals, projections, and statements, which are subject to numerous assumptions, risks, and uncertainties. Forward-looking statements may be identified by words such as <I> expect, anticipate, believe, intend, estimate, plan, target, goal, </I> or similar expressions, or future or conditional verbs such as <I> will, may, might, should, would, could </I> , or similar variations. </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> While there is no assurance that any list of risks and uncertainties or risk factors is complete, below are certain factors which could cause actual results to differ materially from those contained or implied in the forward-looking statements: (1)&nbsp;worsening of credit quality performance due to a number of factors such as the underlying value of collateral that could prove less valuable than otherwise assumed and assumed cash flows may be worse than expected; (2)&nbsp;changes in general economic, political, or industry conditions; uncertainty in U.S. fiscal and monetary policy, including the interest rate policies of the Federal Reserve Board; volatility and disruptions in global capital and credit markets; (3)&nbsp;movements in interest rates; (4)&nbsp;competitive pressures on product pricing and services; (5)&nbsp;success, impact, and timing of our business strategies, including market acceptance of any new products or services implementing our &#147;Fair Play&#148; banking philosophy; (6)&nbsp;changes in accounting policies and principles and the accuracy of our assumptions and estimates used to prepare our financial statements; (7)&nbsp;extended disruption of vital infrastructure; (8)&nbsp;the final outcome of significant litigation; (9)&nbsp;the nature, extent, timing, and results of governmental actions, examinations, reviews, reforms, regulations, and interpretations, including those related to the Dodd-Frank Wall Street Reform and Consumer Protection Act and the Basel III regulatory capital reforms, as well as those involving the OCC, Federal Reserve, FDIC, and CFPB; and (10)&nbsp;the outcome of judicial and regulatory decisions regarding practices in the residential mortgage industry, including among other things the processes followed for foreclosing residential mortgages. Additional factors that could cause results to differ materially from those described above can be found in Huntington&#146;s 2013 Annual Report on Form 10-K, and documents subsequently filed by Huntington with the Securities and Exchange Commission. All forward-looking statements included in this document are based on information available at the time of the release. Huntington assumes no obligation to update any forward-looking statement. </P> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> J.D. Power Disclaimer </B> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Huntington National Bank received the highest numerical score in the midwest region in the proprietary J.D. Power 2014 Small Business Banking Satisfaction StudySM. Study based on 8,996 total responses, measuring 9 financial institutions in the midwest region (IL, IN, IA, KS, MI, MN, MO, NE, ND, OH, SD, WI) and measures opinions of small business customers with annual revenues from $100,000 to $10 million. Proprietary study results are based on experiences and perceptions of customers surveyed in July-September 2014. Your experiences may vary. Visit jdpower.com </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Huntington National Bank received the highest numerical score among retail banks in the North Central region in the proprietary J.D. Power 2014 Retail Banking Satisfaction StudySM. Study based on 80,445 total responses measuring 25 providers in the North Central region (IN, KY, MI, OH&nbsp;&amp; WV) and measures opinions of consumers with their primary banking provider. Proprietary study results are based on experiences and perceptions of consumers surveyed January 2014. Your experiences may vary. Visit jdpower.com. </P> <P STYLE="MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT ; FONT-SIZE:8PT">&nbsp; </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> 10 </P> <A NAME="eolPage16"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> Basis of Presentation </B> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <U> Use of Non-GAAP Financial Measures </U> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> This document may contain GAAP financial measures and non-GAAP financial measures where management believes it to be helpful in understanding Huntington&#146;s results of operations or financial position. Where non-GAAP financial measures are used, the comparable GAAP financial measure, as well as the reconciliation to the comparable GAAP financial measure, can be found in this fourth quarter earnings release, conference call slides, or the Form <FONT STYLE="WHITE-SPACE:NOWRAP"> 8-K </FONT> related to this document, all of which can be found on Huntington&#146;s website at <U> www.huntington-ir.com </U> . </P> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <U> Significant Items </U> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> From time to time, revenue, expenses, or taxes are impacted by items judged by Management to be outside of ordinary banking activities and/or by items that, while they may be associated with ordinary banking activities, are so unusually large that their outsized impact is believed by Management at that time to be infrequent or short term in nature. We refer to such items as &#147;Significant Items&#148;. Most often, these Significant Items result from factors originating outside the Company &#150; e.g., regulatory actions/assessments, windfall gains, changes in accounting principles, one-time tax assessments/refunds, litigation actions, etc. In other cases they may result from Management decisions associated with significant corporate actions out of the ordinary course of business &#150; e.g., merger/restructuring charges, recapitalization actions, goodwill impairment, etc. </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Even though certain revenue and expense items are naturally subject to more volatility than others due to changes in market and economic environment conditions, as a general rule volatility alone does not define a Significant Item. For example, changes in the provision for credit losses, gains/losses from investment activities, asset valuation write-downs, etc., reflect ordinary banking activities and are, therefore, typically excluded from consideration as a Significant Item. </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Management believes the disclosure of &#147;Significant Items&#148;, when appropriate, aids analysts/investors in better understanding corporate performance and trends so that they can ascertain which of such items, if any, they may wish to include/exclude from their analysis of the Company&#146;s performance &#150; i.e., within the context of determining how that performance differed from their expectations, as well as how, if at all, to adjust their estimates of future performance accordingly. To this end, Management has adopted a practice of listing &#147;Significant Items&#148; in its external disclosure documents (e.g., earnings press releases, quarterly performance discussions, investor presentations, Forms 10-Q and <FONT STYLE="WHITE-SPACE:NOWRAP"> 10-K). </FONT> </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> &#147;Significant Items&#148; for any particular period are not intended to be a complete list of items that may materially impact current or future period performance. A number of items could materially impact these periods, including those described in Huntington&#146;s 2013 Annual Report on Form 10-K and other factors described from time to time in Huntington&#146;s other filings with the Securities and Exchange Commission. </P> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <U> Annualized Data </U> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Certain returns, yields, performance ratios, or quarterly growth rates are presented on an &#147;annualized&#148; basis. This is done for analytical and decision-making purposes to better discern underlying performance trends when compared to full-year or year-over-year amounts. For example, loan and deposit growth rates, as well as net charge-off percentages, are most often expressed in terms of an annual rate like 8%. As such, a 2% growth rate for a quarter would represent an annualized 8% growth rate. </P> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <U> Fully-Taxable Equivalent Interest Income and Net Interest Margin </U> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Income from tax-exempt earning assets is increased by an amount equivalent to the taxes that would have been paid if this income had been taxable at statutory rates. This adjustment puts all earning assets, most notably tax-exempt municipal securities and certain lease assets, on a common basis that facilitates comparison of results to results of competitors. </P> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <U> Earnings per Share Equivalent Data </U> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Significant income or expense items may be expressed on a per common share basis. This is done for analytical and decision-making purposes to better discern underlying trends in total corporate earnings per share performance excluding the impact of such items. Investors may also find this information helpful in their evaluation of the Company&#146;s financial performance against published earnings per share mean estimate amounts, which typically exclude the impact of Significant Items. Earnings per share equivalents are usually calculated by applying a 35% effective tax rate to a pre-tax amount to derive an after-tax amount, which is divided by the average shares outstanding during the respective reporting period. Occasionally, when the item involves special tax treatment, the after-tax amount is disclosed separately, with this then being the amount used to calculate the earnings per share equivalent. </P> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <U> Rounding </U> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Please note that columns of data in this document may not add due to rounding. </P> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> About Huntington </B> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; TEXT-INDENT:4%; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Huntington Bancshares Incorporated is a $66 billion asset regional bank holding company headquartered in Columbus, Ohio. The Huntington National Bank, founded in 1866, and its affiliates provide full-service commercial, small business, and consumer banking services; mortgage banking services; treasury management and foreign exchange services; equipment leasing; wealth and investment management services; trust services; brokerage services; customized insurance brokerage and service programs; and other financial products and services. The principal markets for these services are Huntington&#146;s six-state retail banking franchise: Ohio, Michigan, Pennsylvania, Indiana, West Virginia, and Kentucky. The primary distribution channels include a banking network of more than 700 traditional branches and convenience branches located in grocery stores and retirement centers, and through an array of alternative distribution channels including internet and mobile banking, telephone banking, and more than 1,500 ATMs. Through automotive dealership relationships within its six-state retail banking franchise area and selected other Midwest and Northeast states, Huntington also provides commercial banking services to the automotive dealers and retail automobile financing for dealer customers. </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> ### </P> <P STYLE="MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT ; FONT-SIZE:8PT">&nbsp; </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> 11 </P> </EFX_EXHIBIT_99> <DIV CLASS="eolNewPage"></DIV> <A NAME="eolPage17"></A> <A NAME="D856356DEX992_HTM"></A> <EFX_EXHIBIT_99> <A NAME="FIS_EXHIBIT_99_2"></A> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="RIGHT"> <B> Exhibit 99.2 </B> </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> HUNTINGTON BANCSHARES INCORPORATED </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> Quarterly Financial Supplement </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> December 2014 </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <P STYLE="LINE-HEIGHT:1.0PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:2PT;BORDER-BOTTOM:1.00PT SOLID #000000">&nbsp; </P> <EFX_BALANCE_SHEET> <A NAME="FIS_BALANCE_SHEET"></A> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> <B> <U> Table of Contents </U> </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="97%"> </TD> <TD VALIGN="BOTTOM" WIDTH="2%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Quarterly Key Statistics </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Annual Key Statistics </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Consolidated Balance Sheets </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Loans and Leases Composition </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Deposits Composition </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Consolidated Quarterly Average Balance Sheets </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Consolidated Quarterly Net Interest Margin&#151;Interest Income / Expense </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Consolidated Quarterly Net Interest Margin&#151;Yield </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Selected Quarterly Income Statement Data </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Quarterly Mortgage Banking Income </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Quarterly Credit Reserves Analysis </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Quarterly Net Charge-Off Analysis </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Quarterly Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs) </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Quarterly Accruing Past Due Loans and Leases and Accruing Troubled Debt Restructured Loans </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 14 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Quarterly Common Stock Summary, Capital, and Other Data </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 15 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Consolidated Annual Average Balance Sheets </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 16 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Consolidated Annual Net Interest Margin&#151;Interest Income / Expense </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 17 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Consolidated Annual Net Interest Margin&#151;Yield </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 18 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Selected Annual Income Statement Data </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 19 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Annual Mortgage Banking Income </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 20 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Annual Credit Reserves Analysis </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 21 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Annual Net Charge-Off Analysis </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 22 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Annual Nonaccrual Loans and Leases (NALs) and Nonperforming Assets (NPAs) </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 23 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PT"> <TD HEIGHT="8"> </TD> <TD HEIGHT="8" COLSPAN="4"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Annual Accruing Past Due Loans and Leases and Accruing and Nonaccruing Troubled Debt Restructured Loans </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 24 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> </TABLE> <A NAME="eolPage18"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> <U> Notes: </U> </B> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> The preparation of financial statement data in conformity with accounting principles generally accepted in the United States (GAAP) requires management to make estimates and assumptions that affect amounts reported. Actual results could differ from those estimates. Certain prior period amounts have been reclassified to conform to the current period&#146;s presentation. </P> <P STYLE="MARGIN-TOP:18PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <U> Non-Regulatory Capital Ratios </U> </P> <P STYLE="MARGIN-TOP:6PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> In addition to capital ratios defined by banking regulators, the Company considers various other measures when evaluating capital utilization and adequacy, including: </P> </EFX_BALANCE_SHEET> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="1%">&nbsp; </TD> <TD WIDTH="2%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Tangible common equity to tangible assets, </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="1%">&nbsp; </TD> <TD WIDTH="2%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Tier 1 common equity to risk-weighted assets using Basel I and Basel III definitions, and </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="1%">&nbsp; </TD> <TD WIDTH="2%" VALIGN="TOP" ALIGN="LEFT"> &#149; </TD> <TD WIDTH="1%" VALIGN="TOP">&nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Tangible common equity to risk-weighted assets using Basel I definition. </TD> </TR> </TABLE> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> These non-regulatory capital ratios are viewed by management as useful additional methods of reflecting the level of capital available to withstand unexpected market conditions. Additionally, presentation of these ratios allows readers to compare the Company&#146;s capitalization to other financial services companies. These ratios differ from capital ratios defined by banking regulators principally in that the numerator excludes preferred securities, the nature and extent of which varies among different financial services companies. These ratios are not defined in GAAP or federal banking regulations. As a result, these non-regulatory capital ratios disclosed by the Company may be considered non-GAAP financial measures. </P> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Because there are no standardized definitions for these non-regulatory capital ratios, the Company&#146;s calculation methods may differ from those used by other financial services companies. Also, there may be limits in the usefulness of these measures to investors. As a result, the Company encourages readers to consider the consolidated financial statements and other financial information contained in the related press release in their entirety, and not to rely on any single financial measure. Basel III Tier 1 common capital ratio estimates are based on management&#146;s current interpretation, expectations, and understanding of the final U.S. Basel III rules adopted by the Federal Reserve Board and released on July&nbsp;2, 2013. </P> <A NAME="eolPage19"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <EFX_UNIDENTIFIED_TABLE> <A NAME="FIS_UNIDENTIFIED_TABLE_14"></A> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> Huntington Bancshares Incorporated </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> Quarterly Key Statistics <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (1) </SUP> </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> (Unaudited) </I> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="60%"> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> 2014 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2013 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Percent&nbsp;Changes&nbsp;vs. </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" NOWRAP> <P STYLE="BORDER-BOTTOM:1.00PT SOLID #000000; WIDTH:182.40PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> </B> <I> (dollar amounts in thousands, except per share amounts) </I> <B> </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> Fourth </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> Third </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Fourth </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 3Q14 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 4Q13 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net interest income </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 473,252 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 466,335 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 430,649 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Provision for credit losses </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2,494 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 24,480 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 24,331 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (90 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (90 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Noninterest income </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 233,278 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 247,349 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 249,892 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (6 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (7 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Noninterest expense </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 483,271 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 480,318 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 446,009 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Income before income taxes </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 220,765 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 208,886 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 210,201 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Provision for income taxes </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 57,151 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 53,870 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 52,029 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net income </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 163,614 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 155,016 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 158,172 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Dividends on preferred shares </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7,963 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7,964 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7,965 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net income applicable to common shares </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 155,651 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 147,052 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 150,207 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net income per common share&#151;diluted </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.19 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.18 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.18 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Cash dividends declared per common share </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.06 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.05 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.05 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 20 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 20 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Book value per common share at end of period </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7.32 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7.24 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6.86 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Tangible book value per common share at end of period </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6.62 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6.53 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6.26 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average common shares&#151;basic </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 811,967 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 816,497 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 830,590 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (1 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (2 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average common shares&#151;diluted </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 825,338 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 829,623 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 842,324 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (1 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (2 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Return on average assets </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.00 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.97 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.09 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Return on average common shareholders&#146; equity </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Return on average tangible common shareholders&#146; <BR> equity <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (2) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net interest margin <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (3) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.18 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.20 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.28 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Efficiency ratio <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (4) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 66.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 65.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 63.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Noninterest Income/Total Revenue </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 32.7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 34.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 36.3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Effective tax rate </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 25.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 25.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 24.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average loans and leases </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 47,091,643 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 46,112,829 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 43,138,336 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average loans and leases&#151;linked quarter annualized growth rate </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.5 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9.7 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average earning assets </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 60,009,528 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 58,707,474 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 53,011,850 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average total assets </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 64,931,767 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 63,472,782 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 57,648,191 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average core deposits <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (5) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 47,637,501 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 46,118,771 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 44,747,659 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average core deposits&#151;linked quarter annualized growth rate </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4.5 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average shareholders&#146; equity </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6,374,331 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6,292,157 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6,055,738 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total assets at end of period </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 66,298,010 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 64,330,629 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 59,467,174 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total shareholders&#146; equity at end of period </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6,328,170 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6,284,210 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6,090,153 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net charge-offs (NCOs) </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 22,975 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 30,023 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 46,447 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (24 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (51 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> NCOs as a % of average loans and leases </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.20 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.26 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.43 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Nonaccrual loans and leases (NALs) </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 300,244 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 325,765 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 322,056 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (8 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (7 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> NAL ratio </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.63 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.70 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.75 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Nonperforming assets (NPAs) <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (6) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 337,723 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 364,475 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 352,160 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (7 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (4 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> NPA ratio <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (6) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.71 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.78 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.82 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (9 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (13 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Allowance for loan and lease losses (ALLL) as a % of total loans and leases at the end of period </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.27 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.35 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.50 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> ALLL plus allowance for unfunded loan commitments and letters of credit (ACL) as a % of total loans and leases at the end of period </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.40 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.47 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.65 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> ACL as a % of NALs </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 222 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 211 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 221 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> ACL as a % of NPAs </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 197 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 188 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 202 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Tier 1 leverage ratio <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (7) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9.74 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9.83 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.67 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Tier 1 common risk-based capital ratio <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (7) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.23 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.31 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.90 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Tier 1 risk-based capital ratio <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (7) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.50 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.61 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12.28 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Total risk-based capital ratio <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (7) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13.56 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13.72 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 14.57 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Tangible common equity / risk-weighted assets ratio <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (8) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.17 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.35 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8.82 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> </TABLE> </EFX_UNIDENTIFIED_TABLE> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> See Notes to the Quarterly Key Statistics. </I> </P> <P STYLE="MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT ; FONT-SIZE:8PT">&nbsp; </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> 1 </P> <A NAME="eolPage20"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <EFX_UNIDENTIFIED_TABLE> <A NAME="FIS_UNIDENTIFIED_TABLE_15"></A> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> Huntington Bancshares Incorporated </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> Annual Key Statistics <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (1) </SUP> </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> (Unaudited) </I> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="66%"> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="3%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Year Ended December&nbsp;31, </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Change </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" NOWRAP> <P STYLE="BORDER-BOTTOM:1.00PT SOLID #000000; WIDTH:182.40PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> </B> <I> (dollar amounts in thousands, except per share amounts) </I> <B> </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> 2014 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2013 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Amount </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Percent </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net interest income </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,837,141 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,704,608 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 132,533 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Provision for credit losses </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 80,989 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 90,045 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (9,056 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (10 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Noninterest income </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 979,179 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,012,196 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (33,017 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (3 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Noninterest expense </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,882,346 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,758,003 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 124,343 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Income before income taxes </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 852,985 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 868,756 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (15,771 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (2 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Provision for income taxes </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 220,593 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 227,474 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (6,881 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (3 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net Income </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 632,392 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 641,282 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (8,890 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (1 </TD> <TD NOWRAP VALIGN="BOTTOM"> )%&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Dividends on preferred shares </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 31,854 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 31,869 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (15 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM">&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net income applicable to common shares </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 600,538 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 609,413 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (8,875 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (1 </TD> <TD NOWRAP VALIGN="BOTTOM"> )%&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:3.00PX DOUBLE #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net income per common share&#151;diluted </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.72 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.72 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD NOWRAP VALIGN="BOTTOM"> $ </TD> <TD NOWRAP VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> &#151;&nbsp;&nbsp; </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Cash dividends declared per common share </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.21 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.19 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.02 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average common shares&#151;basic </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 819,917 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 834,205 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (14,288 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (2 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average common shares&#151;diluted </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 833,081 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 843,974 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (10,893 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (1 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Return on average assets </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.01 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1.14 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Return on average common shareholders&#146; equity </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 10.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.0 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Return on average tangible common shareholders&#146; equity <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (2) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11.8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12.7 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net interest margin <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (3) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.23 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3.36 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Efficiency ratio <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (4) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 65.1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 62.6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Noninterest Income/Total Revenue </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 34.4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 36.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Effective tax rate </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 25.9 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 26.2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average loans and leases </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 45,424,872 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 41,825,842 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3,599,030 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average earning assets </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 57,705,358 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 51,598,472 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6,106,886 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 12 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average total assets </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 62,498,880 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 56,299,313 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6,199,567 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average core deposits <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (5) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 46,147,109 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 43,978,894 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2,168,215 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Average shareholders&#146; equity </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6,269,884 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 5,914,914 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 354,970 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 6 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net charge-offs (NCOs) </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 124,627 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 188,666 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (64,039 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (34 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> NCOs as a % of average loans and leases </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.27 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 0.45 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (0.18 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (39 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> </TABLE> </EFX_UNIDENTIFIED_TABLE> <P STYLE="MARGIN-TOP:12PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <I> See Notes to the Annual and Quarterly Key Statistics. </I> </P> <P STYLE="MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT ; FONT-SIZE:8PT">&nbsp; </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN" ALIGN="CENTER"> 2 </P> <A NAME="eolPage21"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> Key Statistics Footnotes </B> </P> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (1) </SUP> &nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Comparisons for all presented periods are impacted by a number of factors. Refer to Significant Items. </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (2) </SUP> &nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Net income excluding expense for amortization of intangibles for the period divided by average tangible common shareholders&#146; equity. Average tangible common shareholders&#146; equity equals average total common shareholders&#146; equity less average intangible assets and goodwill. Expense for amortization of intangibles and average intangible assets are net of deferred tax liability, and calculated assuming a 35% tax rate. </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (3) </SUP> &nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> On a fully-taxable equivalent (FTE) basis assuming a 35% tax rate. </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (4) </SUP> &nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Noninterest expense less amortization of intangibles and goodwill impairment divided by the sum of FTE net interest income and noninterest income excluding securities gains (losses). </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (5) </SUP> &nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Includes noninterest-bearing and interest-bearing demand deposits, money market deposits, savings and other domestic deposits, and core certificates of deposit. </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (6) </SUP> &nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> NPAs include other real estate owned. </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (7) </SUP> &nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> December&nbsp;31, 2014, figures are estimated. </TD> </TR> </TABLE> <P STYLE="FONT-SIZE:6PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%"> <TR> <TD WIDTH="4%" VALIGN="TOP" ALIGN="LEFT"> <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (8) </SUP> &nbsp; </TD> <TD ALIGN="LEFT" VALIGN="TOP"> Tangible common equity (total common equity less goodwill and other intangible assets) divided by tangible assets (total assets less goodwill and other intangible assets). Other intangible assets are net of deferred tax liability, and calculated assuming a 35% tax rate. </TD> </TR> </TABLE> <A NAME="eolPage22"></A> <P STYLE='PAGE-BREAK-BEFORE:ALWAYS'> <HR SIZE="3" STYLE="COLOR:#999999" WIDTH="100%" ALIGN="CENTER"> <EFX_BALANCE_SHEET> <A NAME="FIS_BALANCE_SHEET_2"></A> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> Huntington Bancshares Incorporated </B> </P> <P STYLE="MARGIN-TOP:0PT; MARGIN-BOTTOM:0PT; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> Consolidated Balance Sheets </B> </P> <P STYLE="FONT-SIZE:12PT;MARGIN-TOP:0PT;MARGIN-BOTTOM:0PT">&nbsp; </P> <TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT" ALIGN="CENTER"> <TR> <TD WIDTH="52%"> </TD> <TD VALIGN="BOTTOM" WIDTH="4%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="4%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="4%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="4%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> <TD VALIGN="BOTTOM" WIDTH="4%"> </TD> <TD> </TD> <TD> </TD> <TD> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> 2014 </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 2013 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="6" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> Percent&nbsp;Changes&nbsp;vs. </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM" NOWRAP> <P STYLE="BORDER-BOTTOM:1.00PT SOLID #000000; WIDTH:178.40PT; FONT-SIZE:8PT; FONT-FAMILY:TIMES NEW ROMAN"> <B> </B> <I> (dollar amounts in thousands, except number of shares) </I> <B> </B> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> <B> December 31, </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> September 30, </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> December 31, </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 3Q14 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER" STYLE="BORDER-BOTTOM:1.00PT SOLID #000000"> 4Q13 </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:8PT"> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> <B> <I> (Unaudited) </I> </B> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" COLSPAN="2" ALIGN="CENTER"> <I> (Unaudited) </I> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD COLSPAN="2" VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:1.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Assets </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Cash and due from banks </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,220,565 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 879,862 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> $ </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,001,132 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 39 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 22 </TD> <TD NOWRAP VALIGN="BOTTOM"> %&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Interest-bearing deposits in banks </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 64,559 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 72,898 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 57,043 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (11 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 13 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Trading account securities </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 42,191 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 66,460 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 35,573 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (37 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 19 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Loans held for sale </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 416,327 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 410,932 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 326,212 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 28 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Available-for-sale and other securities </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 9,384,670 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8,721,804 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 7,308,753 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 8 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 28 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Held-to-maturity securities </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3,379,905 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3,496,493 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 3,836,667 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (3 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (12 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Loans and leases <SUP STYLE="FONT-SIZE:85%; VERTICAL-ALIGN:TOP"> (1) </SUP> </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 47,655,726 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 46,723,374 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 43,120,500 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:5.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Allowance for loan and lease losses </P> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (605,196 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (631,036 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (647,870 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (4 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (7 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Net loans and leases </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 47,050,530 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 46,092,338 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 42,472,630 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 2 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 11 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-SIZE:1PX; "> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD VALIGN="BOTTOM"> <P STYLE="BORDER-TOP:1.00PX SOLID #000000">&nbsp; </P> </TD> <TD>&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Bank owned life insurance </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,718,436 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,703,692 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1,647,170 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 4 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> </TR> <TR STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Premises and equipment </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 616,407 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 613,214 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 634,657 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 1 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> (3 </TD> <TD NOWRAP VALIGN="BOTTOM"> )&nbsp; </TD> </TR> <TR BGCOLOR="#CCEEFF" STYLE="FONT-FAMILY:TIMES NEW ROMAN; FONT-SIZE:10PT"> <TD VALIGN="TOP"> <P STYLE="MARGIN-LEFT:3.00EM; TEXT-INDENT:-1.00EM; FONT-SIZE:10PT; FONT-FAMILY:TIMES NEW ROMAN"> Goodwill </P> </TD> <TD VALIGN="BOTTOM"> </TD> <TD VALIGN="BOTTOM">&nbsp; </TD> <TD VALIGN="BOTTOM" ALIGN="RIGHT"> 522,541 </TD> <TD NOWRAP VALIGN="BOTTOM"> &nbsp;&nbsp; </TD> <TD VALIGN="BO