Synovus Financial Corp
(NYSE:SNV)

Synovus Financial Corp. operates as the bank holding company for Synovus Bank that provides commercial and retail banking products and services. It operates through three segments: Community Banking, Wholesale Banking, and Financial Management Services. The company's commercial banking services incl...

Website: http://www.synovus.com

Founded: 1888

Full Time Employees: 5,389

Sector: Financial Services

Industry: Banks-Regional

Financial Services Regional Bank

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At a glance:

Bull Thesis:

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Main Competitors:

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Income Statements:

Quarterly

Annual

Unit: USD	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-03-31	2017-06-30	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30

interest income:
loans, including fees	680,441,000	657,811,000	648,252,000	675,836,000	700,657,000	701,570,000	691,715,000	698,881,000	686,094,000	670,230,000	629,557,000	575,213,000	478,448,000	391,307,000	361,091,000	369,465,000	369,323,000	371,288,000	372,491,000	386,853,000	384,275,000	401,997,000	427,337,000	448,516,000	463,437,000	457,564,000	447,769,000	326,613,000	314,639,000	285,340,000	261,971,000	243,893,000	237,448,000	232,974,000	229,917,000	215,269,000	216,166,000	217,982,000	215,656,000	216,554,000	224,019,000	229,814,000
investment securities	91,440,000	93,720,000	93,352,000	91,038,000	87,643,000	78,891,000
loans held for sale	1,138,000	1,098,000	757,000	924,000	1,045,000	1,132,000	578,000	800,000	17,914,000	5,801,000	5,577,000	7,239,000	12,017,000	8,600,000	6,182,000	5,198,000	5,540,000	6,609,000	6,462,000	6,031,000	6,341,000	1,914,000
federal reserve bank balances	19,006,000	15,911,000	21,266,000	27,845,000	17,416,000	15,630,000	15,031,000	18,578,000	15,483,000	17,410,000	16,818,000	10,152,000	5,584,000	1,593,000	788,000	1,180,000	1,214,000	709,000	673,000	652,000	285,000	394,000	1,508,000	1,725,000	2,288,000	2,701,000	3,671,000	3,212,000	2,376,000	1,750,000	1,304,000	1,186,000	1,151,000	1,020,000	999,000	645,000	724,000	814,000	904,000	780,000	754,000	688,000
other earning assets	3,094,000	3,102,000	3,138,000	3,487,000	3,746,000	4,019,000	3,480,000	4,862,000	4,906,000	5,281,000	3,873,000	3,210,000	1,700,000	1,960,000	752,000	990,000	551,000	839,000	733,000	1,152,000	1,453,000	2,329,000	2,607,000	2,568,000	2,951,000	2,320,000	3,070,000	2,181,000	2,185,000	1,683,000	1,443,000	1,188,000	946,000	1,052,000	825,000	805,000	535,000	448,000	432,000	465,000	164,000	116,000
total interest income	795,119,000	771,642,000	766,765,000	799,130,000	810,507,000	801,242,000	782,710,000	788,297,000	786,039,000	759,143,000	716,879,000	654,654,000	551,299,000	453,772,000	416,062,000	418,279,000	412,504,000	412,743,000	409,817,000	433,479,000	435,550,000	451,569,000	483,897,000	506,253,000	523,415,000	516,131,000	504,839,000	357,394,000	343,942,000	313,134,000	285,510,000	264,533,000	256,554,000	252,393,000	249,323,000	231,401,000	233,259,000	233,852,000	231,513,000	230,391,000	240,000,000	247,676,000
interest expense:
deposits	281,523,000	278,309,000	282,325,000	316,198,000	345,314,000	335,754,000	332,666,000	318,981,000	292,060,000	241,780,000	173,935,000	108,155,000	46,917,000	18,501,000	13,659,000	14,444,000	16,086,000	19,371,000	25,018,000	32,107,000	43,194,000	56,474,000	86,002,000	82,483,000	94,082,000	92,700,000	87,684,000	45,676,000	39,219,000	26,375,000	18,118,000	16,134,000	15,858,000	16,200,000	16,015,000	14,819,000	15,428,000	16,354,000	15,894,000	16,716,000	18,220,000	21,144,000
long-term debt	38,668,000	33,586,000	29,848,000	27,616,000	24,055,000	28,390,000	29,595,000	31,702,000	50,524,000	55,915,000	42,529,000	38,333,000	22,156,000	8,769,000	10,144,000	11,498,000	11,465,000	11,478,000	10,908,000	15,408,000	15,190,000	16,751,000	18,703,000	16,916,000	19,393,000	18,875,000	16,517,000	12,976,000	12,164,000	12,368,000	16,250,000	14,823,000	14,631,000	14,693,000	15,070,000	13,276,000	13,418,000	13,456,000	13,462,000	13,770,000	14,215,000	14,032,000
federal funds purchased, securities sold under repurchase agreements, and other short-term borrowings	233,000	186,000	208,000													26,000	36,000	34,000	34,000	32,000	176,000	1,778,000	5,932,000	7,586,000	7,843,000	7,294,000	3,463,000	809,000	940,000
total interest expense	320,424,000	312,081,000	312,381,000	344,136,000	369,767,000	366,244,000	363,864,000	351,084,000	342,880,000	303,612,000	236,128,000	153,309,000	73,380,000	28,384,000	23,814,000	25,966,000	27,587,000	30,883,000	35,960,000	47,547,000	58,560,000	75,003,000	110,637,000	106,985,000	121,318,000	118,869,000	107,664,000	59,461,000	52,323,000	38,850,000	34,413,000	31,003,000	30,547,000	30,944,000	31,130,000	28,138,000	28,928,000	29,882,000	29,436,000	30,577,000	32,544,000	35,331,000
net interest income	474,695,000	459,561,000	454,384,000	454,994,000	440,740,000	434,998,000	418,846,000	437,213,000	443,159,000	455,531,000	480,751,000	501,345,000	477,919,000	425,388,000	392,248,000	392,313,000	384,917,000	381,860,000	373,857,000	385,932,000	376,990,000	376,566,000	373,260,000	399,268,000	402,097,000	397,262,000	397,175,000	297,933,000	291,619,000	274,284,000	251,097,000	233,530,000	226,007,000	221,449,000	218,193,000	203,263,000	204,331,000	203,970,000	202,077,000	199,814,000	207,456,000	212,345,000
benefit from (reversal of) credit losses	21,690,000	3,245,000	10,921,000	32,867,000	23,434,000	26,404,000	53,980,000	45,472,000	72,572,000	38,881,000	32,154,000	34,884,000	25,581,000	12,688,000	11,400,000
net interest income after benefit from (reversal of) credit losses	453,005,000	456,316,000	443,463,000	297,691,250	417,306,000	408,594,000	364,866,000	308,958,750	370,587,000	416,650,000	448,597,000	311,471,500	452,338,000	412,700,000	380,848,000
non-interest revenue:
service charges on deposit accounts	26,303,000	25,258,000	23,114,000	23,244,000	23,683,000	22,907,000	21,813,000	22,260,000	21,385,000	23,477,000	22,974,000	23,639,000	23,398,000	23,491,000	22,539,000	22,221,000	22,641,000	21,414,000	20,033,000	19,063,000	17,813,000	15,567,000	20,689,000	22,385,000	22,952,000	21,994,000	20,859,000	20,319,000	20,582,000	19,940,000	19,820,000	20,653,000	20,822,000	20,240,000	19,710,000	19,133,000	19,647,000	19,426,000	19,195,000	19,521,000	20,884,000	20,404,000
fiduciary and asset management fees	21,039,000	20,332,000	19,917,000	21,373,000	19,714,000	19,728,000	19,013,000	18,149,000	20,205,000	20,027,000	19,696,000	18,837,000	19,201,000	20,100,000	20,277,000	20,602,000	19,786,000	18,805,000	17,954,000	17,242,000	15,885,000	14,950,000	15,174,000	15,645,000	14,686,000	14,478,000	13,578,000	13,804,000	13,462,000	13,435,000	12,524,000	11,903,000	11,837,000	11,580,000	11,274,000	11,571,000	10,979,000	10,389,000	11,111,000	10,971,000	10,537,000	10,340,000
card fees	19,894,000	20,132,000	21,227,000	19,577,000	18,439,000	19,418,000	19,486,000	20,872,000	18,602,000	17,059,000	15,824,000	15,887,000	15,101,000	16,089,000	14,756,000	12,861,000	13,238,000	13,304,000	11,996,000	11,743,000	10,823,000	9,186,000	10,950,000	11,325,000	12,297,000	11,161,000	10,877,000	10,863,000	10,608,000	10,199,000
brokerage revenue	21,673,000	20,748,000	20,359,000	20,907,000	20,810,000	20,457,000	22,707,000	19,728,000	20,237,000	20,908,000	22,558,000	19,996,000	17,140,000	15,243,000	14,655,000	14,795,000	14,745,000	13,926,000	12,974,000	11,794,000	10,604,000	9,984,000	12,398,000	11,106,000	11,071,000	10,052,000	9,406,000	9,643,000	9,329,000	8,695,000	7,210,000	7,009,000	6,199,000	7,338,000	6,483,000	7,251,000	6,307,000	6,636,000	7,002,000	7,594,000	7,127,000	6,844,000
mortgage banking income	4,374,000	4,435,000	3,338,000	2,665,000	4,033,000	3,944,000	3,418,000	3,019,000	3,671,000	4,609,000	3,858,000	2,554,000	5,065,000	3,904,000	5,953,000	7,059,000	11,155,000	13,842,000	22,315,000	24,426,000	31,229,000	23,530,000	12,227,000	9,286,000	10,351,000	7,907,000	5,054,000	3,781,000	5,290,000	5,047,000	5,784,000	5,504,000	7,329,000	5,941,000	5,484,000	6,484,000	2,913,000	5,314,000	7,338,000	6,917,000	9,025,000	9,261,000
capital markets income	13,944,000	12,960,000	6,941,000	12,070,000	10,284,000	15,077,000	6,627,000	5,104,000	6,377,000	6,975,000	13,725,000	6,998,000	6,839,000	7,393,000	5,472,000	7,189,000	8,089,000	3,335,000	7,505,000	4,352,000	5,690,000	6,050,000	11,243,000	8,972,000	7,396,000	8,385,000
income from bank-owned life insurance	9,628,000	10,279,000	8,084,000	10,543,000	8,442,000	8,097,000	7,347,000	10,323,000	6,965,000	6,878,000	7,262,000	7,206,000	6,792,000	9,165,000	6,556,000	15,168,000	6,820,000	7,188,000	8,843,000	9,725,000	7,778,000	7,756,000	6,038,000	5,621,000	5,139,000	5,176,000	5,290,000	3,683,000	3,771,000	4,217,000
investment securities gains	1,742,000					-256,660,000		-77,748,000			1,030,000					229,000	962,000		-1,990,000	2,337,000	-1,550,000	69,409,000	8,734,000				75,000				-1,000	5,885,000	59,000		67,000	725,000	374,000	1,124,000	1,403,000	45,000	8,233,000	6,656,000
other non-interest revenue	22,100,000	19,991,000	13,486,000	15,208,000	18,575,000	18,181,000	18,477,000	29,762,000	9,697,000	12,343,000	13,073,000	7,322,000	10,762,000	1,881,000	15,126,000	16,945,000	17,519,000	15,273,000	11,326,000	14,079,000	16,139,000	17,052,000	6,404,000
total non-interest revenue	140,697,000	134,135,000	116,466,000	125,587,000	123,980,000	-128,851,000	118,888,000	51,469,000	107,139,000	112,276,000	133,126,000	102,439,000	104,298,000	97,266,000	105,334,000	117,069,000	114,955,000	107,087,000	110,956,000	114,761,000	114,411,000	173,484,000	103,857,000
non-interest expense:
salaries and other personnel expense	197,313,000	192,182,000	185,510,000	184,725,000	184,814,000	179,407,000	188,521,000	176,711,000	179,741,000	183,001,000	188,924,000	182,629,000	173,334,000	161,063,000	164,684,000	167,018,000	160,364,000	160,567,000	161,477,000	153,946,000	154,994,000	159,597,000	149,678,000	145,084,000	142,516,000	143,009,000	139,427,000	113,496,000	114,341,000	113,720,000	105,213,000	101,662,000	101,945,000	97,061,000	101,358,000	96,488,000	91,962,000	92,794,000	89,479,000	93,917,000	94,900,000	93,177,000
net occupancy, equipment, and software expense	49,089,000	48,589,000	48,652,000	47,251,000	46,977,000	46,415,000	46,808,000	48,146,000	45,790,000	42,785,000	42,860,000	45,192,000	43,462,000	43,199,000	42,877,000	42,780,000	43,483,000	41,825,000	41,134,000	44,183,000	41,554,000	41,727,000
third-party processing and other services	22,306,000	23,535,000	21,874,000	22,158,000	21,552,000	21,783,000	20,258,000	21,717,000	21,439,000	21,659,000	21,833,000	23,131,000	22,539,000	21,952,000	20,996,000	22,791,000	19,446,000	24,419,000	20,032,000	19,568,000	20,620,000	21,366,000	21,480,000
professional fees	13,307,000	10,197,000	9,779,000	11,949,000	10,854,000	15,655,000	7,631,000	11,147,000	10,147,000	9,597,000	8,963,000	11,095,000	6,755,000	10,865,000	8,474,000	9,014,000	6,739,000	7,947,000	9,084,000	17,541,000	13,377,000	15,305,000	10,675,000	9,921,000	9,719,000	9,312,000	6,348,000	8,650,000	6,298,000	5,505,000	7,551,000	6,904,000	6,486,000	6,938,000	6,369,000	5,594,000	9,854,000	11,410,000	10,416,000	7,095,000	12,037,000	10,074,000
fdic insurance and other regulatory fees	7,042,000	7,534,000	8,544,000	8,227,000	7,382,000	6,493,000	23,819,000	61,471,000	11,837,000	11,162,000	10,268,000	8,232,000	7,707,000	6,894,000	6,250,000	6,017,000	5,212,000	5,547,000	5,579,000	6,288,000	6,793,000	6,851,000	5,278,000	9,824,000	7,242,000	7,867,000	6,761,000	4,729,000	6,430,000	6,793,000	6,875,000	6,614,000	6,756,000	6,625,000	6,719,000	6,957,000	8,699,000	7,639,000	7,941,000	8,480,000	8,237,000	9,205,000
restructuring charges	-747,000	72,000	-1,292,000	37,000	1,219,000	-658,000	1,524,000	1,231,000	17,319,000	-110,000	-733,000	-2,372,000	956,000	-1,850,000	-6,424,000													-47,750	21,000	-315,000	13,000	42,000	1,243,000	5,841,000	1,140,000	-107,000	3,769,000	687,000	1,758,000	4,850,000	1,968,000	1,192,000
merger-related expense	23,757,000																							-913,000	353,000	7,401,000	49,738,000	3,381,000	6,684,000			1,086,000	550,000
other operating expense	36,662,000	33,592,000	34,967,000	34,964,000	40,892,000	32,706,000	34,180,000	32,435,000	36,305,000	36,727,000	32,987,000	41,088,000	39,257,000	39,928,000	35,593,000
total non-interest expense	348,729,000	315,701,000	308,034,000	309,311,000	313,690,000	301,801,000	322,741,000	352,858,000	353,532,000	307,181,000	321,852,000	308,995,000	294,010,000	282,051,000	272,450,000	295,207,000	267,032,000	270,531,000	267,134,000	302,498,000	316,655,000	284,141,000	276,279,000	266,121,000	276,310,000	264,126,000	292,410,000	209,924,000	220,297,000	195,179,000	191,747,000	193,207,000	185,871,000	188,611,000	188,233,000	178,908,000	190,738,000	187,328,000	181,186,000	182,286,000	213,347,000	191,492,000
income before income taxes	244,973,000	274,750,000	251,895,000	238,403,000	227,596,000	-22,058,000	161,013,000	90,352,000	124,194,000	221,745,000	259,871,000	259,905,000	262,626,000	227,915,000	213,732,000	269,385,000	240,708,000	243,014,000	236,254,000	187,129,000	131,363,000	124,058,000	42,116,000	206,632,000	186,985,000	210,824,000	160,574,000	143,852,000	128,008,000	133,375,000	117,791,000	108,070,000	102,620,000	94,031,000	83,730,000	85,812,000	59,710,000	73,459,000	72,906,000	46,553,000	25,944,250	30,514,000
income tax expense	48,468,000		57,023,000	49,026,000	46,912,000		36,943,000	20,779,000	27,729,000	47,801,000	57,712,000	54,135,000	59,582,000	49,863,000	42,695,000	68,983,000	53,935,000	56,814,000	49,161,000	36,720,000	39,789,000	30,866,000	3,595,000	54,948,000	51,259,000	54,640,000	40,388,000	38,783,000	18,949,000	30,209,000	41,788,000	39,519,000	37,375,000	33,574,000	31,199,000	31,849,000
net income	196,505,000	217,119,000	194,872,000	189,377,000	180,684,000	-14,680,000	124,070,000	69,573,000	96,465,000	173,944,000	202,159,000	205,770,000	203,044,000	178,052,000	171,037,000	200,402,000	186,773,000	186,200,000	187,093,000	150,409,000	91,574,000	93,192,000	38,521,000	151,684,000	135,726,000	156,184,000	120,186,000	105,069,000	109,059,000	103,166,000	76,003,000	68,551,000	65,245,000	60,457,000	52,531,000	53,963,000	38,579,000	45,694,000	45,535,000	29,574,000	724,039,000	30,725,000
yoy	8.76%	-1579.01%	57.07%	172.20%	87.31%	-108.44%	-38.63%	-66.19%	-52.49%	-2.31%	18.20%	2.68%	8.71%	-4.38%	-8.58%	33.24%	103.96%	99.80%	385.69%	-0.84%	-32.53%	-40.33%	-67.95%	44.37%	24.45%	51.39%	58.13%	53.27%	67.15%	70.64%	44.68%	27.03%	69.12%	32.31%	15.36%	82.47%	-94.67%	48.72%
qoq	-9.49%	11.42%	2.90%	4.81%	-1330.82%	-111.83%	78.33%	-27.88%	-44.54%	-13.96%	-1.75%	1.34%	14.04%	4.10%	-14.65%	7.30%	0.31%	-0.48%	24.39%	64.25%	-1.74%	141.93%	-74.60%	11.76%	-13.10%	29.95%	14.39%	-3.66%	5.71%	35.74%	10.87%	5.07%	7.92%	15.09%	-2.65%	39.88%	-15.57%	0.35%	53.97%	-95.92%	2256.51%
less: net income attributable to noncontrolling interest	-489,000	-596,000	-142,000	-1,049,000	-871,000	-652,000	-437,000	-768,000	-630,000	-166,000
net income attributable to synovus financial corp.	196,994,000	217,715,000	195,014,000	190,426,000	181,555,000	-14,028,000	124,507,000	70,341,000	97,095,000	174,110,000
less: preferred stock dividends	11,404,000	11,395,000	11,323,000	11,578,000	11,927,000	9,713,000	9,685,000	9,696,000	9,672,000	8,291,000	8,291,000	8,291,000	8,291,000	8,291,000	8,291,000	8,291,000	8,291,000	8,291,000	8,291,000	8,291,000	8,291,000	8,291,000	8,291,000			3,150,000	3,150,000
net income available to common shareholders	185,590,000	206,320,000	183,691,000	178,848,000	169,628,000	-23,741,000	114,822,000	60,645,000	87,423,000	165,819,000	193,868,000	197,479,000	194,753,000	169,761,000	162,746,000	192,111,000	178,482,000	177,909,000	178,802,000	142,118,000	83,283,000	84,901,000	30,230,000	143,394,000	127,435,000	153,034,000	117,036,000	101,919,000	99,330,000	100,607,000	73,444,000	65,991,000	62,686,000	57,898,000	49,972,000	51,404,000	35,849,000	37,188,000	30,717,000	14,798,000	709,304,000	16,030,000
net income per common share, basic	1,340	1,490	1,310	1,250	1,190	-160	780	420	600	1,130	1,330	1,360	1,340	1,170	1,120	1,320	1,220	1,200	1,200	960	570	580	210	970	840	970	730	880	850	850	600	540	510	460	390	380	30	40	40
net income per common share, diluted	1,330	1,480	1,300	1,240	1,180	-160	780	410	600	1,130	1,320	1,350	1,330	1,160	1,110	1,310	1,210	1,190	1,190	960	560	570	200	960	830	960	720	870	840	840	600	530	510	460	390	380	40	40	30
weighted-average common shares outstanding, basic	138,803,000	138,891,000	140,684,000	144,164,000	143,144,000	145,565,000	146,430,000	146,115,000	146,170,000	146,113,000	145,799,000	145,364,000	145,386,000	145,328,000	145,273,000	147,041,000	146,308,000	148,113,000	148,467,000	147,415,000	147,314,000	147,288,000	147,311,000	154,331,000	152,238,000	157,389,000	160,927,000	117,644,000	117,241,000	118,666,000	122,203,000	124,389,000	122,924,000	125,100,000	127,227,000	134,933,000	892,462,000	956,694,000	851,093,000	787,043,000	786,466,000	786,576,000
weighted-average common shares outstanding, diluted	139,612,000	139,502,000	141,775,000	144,998,000	143,979,000	145,565,000	147,122,000	146,734,000	146,740,000	146,550,000	146,727,000	146,481,000	146,418,000	146,315,000	146,665,000	148,495,000	147,701,000	149,747,000	149,780,000	148,210,000	147,976,000	147,733,000	148,401,000	156,058,000	154,043,000	159,077,000	162,760,000	118,378,000	118,095,000	119,321,000	123,027,000	125,078,000	123,604,000	125,699,000	127,857,000	135,744,000	939,580,000	959,680,000	910,937,000	910,835,000	910,102,000	910,396,000
income tax benefit		57,631,000				-7,378,000																															21,131,000	27,765,000	27,371,000	16,979,000
other borrowings				1,025,250	398,000	2,100,000	1,603,000	6,469,250	296,000	5,917,000	19,664,000	1,358,000	4,307,000	1,114,000	11,000
recovery of npa											13,126,000
loss on other loans held for sale									30,954,000	2,360,000	16,750,000
investment securities available for sale							71,906,000	65,176,000	61,642,000	60,421,000	61,054,000	58,840,000	53,550,000	50,312,000	47,249,000	41,446,000	35,876,000	33,298,000	29,458,000	38,791,000	43,196,000	44,935,000	51,653,000	52,333,000	53,761,000	52,794,000	49,938,000	24,952,000	24,164,000	23,928,000	20,266,000	17,541,000	16,269,000	16,685,000	16,972,000	13,943,000	15,265,000	13,584,000	12,986,000	10,732,000	12,929,000	15,039,000
(reversal of) benefit from credit losses																-12,760,250	-7,868,000	-24,598,000	-18,575,000
net interest income after (reversal of) benefit from credit losses																297,918,750	392,785,000	406,458,000
goodwill impairment																					44,877,000
other operating expenses																22,960,250	31,788,000	30,226,000	29,828,000	19,594,000	34,440,000	39,295,000	42,222,000	54,052,000	33,035,000	29,235,000	25,469,000	22,485,000	23,878,000	18,103,000	20,041,000	23,204,000	21,230,000	21,726,000	25,125,000	20,147,000	34,746,000	27,405,000	26,663,000	22,706,000	25,310,000	25,979,000
net interest income after benefit from credit losses																			392,432,000	374,866,000	333,607,000	234,715,000	214,538,000
benefit from credit losses																				11,066,000	43,383,000	141,851,000	158,722,000
mortgage loans held for sale																							792,000	1,111,000	978,000	752,000	391,000	436,000	578,000	379,000	505,000	680,000	727,000	650,000	588,000	632,000	454,000	869,000	1,411,000	1,706,000	1,941,000	1,764,000
net occupancy and equipment expense																							42,194,000	42,644,000	41,017,000	39,851,000	38,394,000	34,260,000	32,088,000	31,480,000	29,933,000	27,867,000	28,120,000	26,783,000	26,577,000	26,172,000	26,314,000	26,475,000	26,383,000	24,167,000	26,063,000	26,647,000
advertising expense																							4,752,000	4,375,000	5,950,000	5,923,000	5,123,000	6,835,000	3,735,000	5,092,000	5,346,000	4,906,000	5,597,000	7,351,000	2,410,000	3,443,000
benefit from loan losses																								24,470,000	27,562,000	12,119,000	23,569,000	12,149,000	14,982,000	12,776,000	10,260,000					4,397,000	14,064,000	6,761,000	13,077,000	35,696,000	146,526,000	63,572,000
net interest income after benefit from loan losses																								374,798,000	374,535,000	385,143,000	373,606,000	285,784,000	276,637,000	261,508,000	240,837,000					198,866,000	190,267,000	197,209,000	189,000,000	164,118,000	60,930,000	148,773,000
non-interest income:
investment securities losses																								-2,157,000	-3,731,000	-1,845,000		-324,000
other non-interest income																								15,772,000	8,599,000	12,499,000	9,461,000	312,000	4,116,000	3,951,000	10,299,000	9,757,000	8,469,000	9,161,000	6,953,000	7,367,000	7,983,000	7,446,000	6,313,000	7,379,000	6,158,000	7,530,000
total non-interest income																								97,955,000	88,760,000	89,807,000	79,378,000	67,992,000	71,668,000	67,046,000	68,701,000	74,006,000	68,155,000	67,886,000	63,147,000	65,854,000	60,181,000	63,578,000	65,092,000	64,721,000	80,117,000	73,233,000
third-party processing expense																								13,850,750	18,528,000	19,118,000	17,758,000	14,803,000	14,810,000	13,945,000	13,620,000	12,287,000	11,219,000	11,698,000	11,116,000	10,343,000
amortization of intangibles																								2,175,500	2,901,000	2,410,000	3,392,000
earnout liability adjustments																								2,614,250	10,457,000				11,652,000
loss on early extinguishment of debt																									4,592,000										4,735,000
less: preferred stock dividends and redemption charge																								8,290,000	8,291,000			3,150,000	9,729,000
swap fee income																											4,778,000
cabela's transaction fee
other fee income																												5,587,000	4,510,000	4,618,000	6,164,000	4,965,000	5,171,000	5,280,000	4,804,000	5,246,000	6,106,000	5,199,000	5,775,000	5,487,000	6,211,000	5,276,000
foreclosed real estate expense																												1,094,000	360,000	856,000	1,448,000	2,840,000	2,725,000	4,588,000	2,684,000	9,496,000	5,064,000	10,359,000	7,502,000	10,940,000	34,978,000	11,997,000
trading account assets																														54,000	21,000	45,000	13,000	12,000	22,000	107,000	115,000	155,000	124,000	154,000	193,000	255,000
federal funds purchased and securities sold under repurchase agreements																														107,000	45,000	46,000	58,000	51,000	45,000	43,000				91,000	109,000	155,000
decrease in fair value of private equity investments																														-3,056,000
dividends on preferred stock																														2,559,000	2,559,000	2,560,000	2,559,000	2,559,000	2,559,000	2,559,000
bankcard fees																															8,253,000	8,330,000	8,269,000	8,346,000	8,372,000	8,077,000	7,979,000	7,760,000	7,838,000	7,064,000	10,137,000	7,866,000
increase in fair value of private equity investments																															-1,352,000						-2,107,000	284,000	-883,000	-257,000	1,805,000	-944,000
earnout liability adjustment																															1,707,000
fair value adjustment to visa derivative
provision for loan losses																																6,259,000	5,671,000	6,693,000	9,377,000
net interest income after provision for loan losses																																227,271,000	220,336,000	214,756,000	208,816,000
gain on sale of memphis branches
visa indemnification charges																																				375,000	799,000		764,000	37,000	758,000	833,000
federal funds purchased, securities sold under repurchase agreements, and other short-term liabilities																																					60,500	72,000	80,000
losses on other loans held for sale																																					121,750	408,000		165,000
third-party services																																					9,689,000	10,151,000	10,366,000	9,929,000
dividends and accretion of discount on series a preferred stock																																					9,525,000	8,506,000	14,818,000	14,776,000
losses (gains) on other loans held for sale																																							-86,000		676,000	4,104,000
net income per common share, basic:
net income per common share, diluted:
data processing expense																																									8,420,000	8,284,000
income tax (benefit) expense																																									-796,339,000	-211,000
net income attributable to non-controlling interest
net income available to controlling interest																																									724,039,000	30,725,000
dividends and accretion of discount on preferred stock																																									10,992,000	14,695,000
earnings per common share:
net income available to common shareholders, basic																																									20	20
net income available to common shareholders, diluted																																									17.5	20

Balance Sheets:

Quarterly

Annual

Unit: USD	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-06-30	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-09-30	2015-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30

assets
interest-earning deposits with banks and other cash and cash equivalents	2,239,915,000	2,820,054,000	2,675,110,000	2,977,667,000	1,807,641,000	2,263,545,000	2,379,778,000	2,414,103,000
federal funds sold and securities purchased under resale agreements	34,292,000	32,262,000	31,123,000	16,320,000	45,971,000	31,063,000	43,722,000	37,323,000	36,176,000	35,788,000	35,518,000	38,367,000	58,448,000	29,568,000	27,642,000	72,387,000	77,627,000	82,554,000	88,552,000	113,783,000	120,095,000	118,048,000	129,891,000	77,047,000	69,975,000	49,946,000	33,627,000	13,821,000	25,430,000	40,872,000	57,192,000	46,847,000	58,060,000	71,753,000	77,685,000	76,300,000	69,732,000	80,772,000	80,975,000	80,177,000	88,636,000	122,878,000	113,517,000	116,318,000
total cash, cash equivalents, and restricted cash	2,274,207,000	2,852,316,000	2,706,233,000	2,993,987,000	1,853,612,000	2,294,608,000	2,423,500,000	2,451,426,000	2,137,631,000	2,054,151,000	3,365,400,000	1,977,780,000	1,867,804,000	1,665,060,000	1,553,503,000	3,009,853,000	2,687,420,000	3,262,676,000	3,328,266,000	4,252,917,000
investment securities held to maturity	2,450,885,000	2,502,639,000	2,546,741,000	2,581,469,000	2,622,457,000	2,668,068,000
investment securities available for sale	7,575,468,000	7,798,824,000	7,840,385,000	7,551,018,000	7,554,168,000	7,043,681,000
loans held for sale	147,811,000	153,037,000	121,669,000	90,111,000	121,470,000	139,323,000	130,586,000	52,768,000	66,558,000	514,450,000	669,447,000	391,502,000	696,450,000	917,679,000	723,921,000	750,642,000	550,948,000	750,916,000	993,887,000	760,123,000	745,160,000	900,936,000
loans, net of deferred fees and costs	43,753,234,000	43,536,716,000	42,648,738,000	42,609,028,000	43,120,674,000	43,093,397,000	43,309,877,000	43,404,490,000	43,679,910,000	44,353,537,000	44,044,939,000	43,716,353,000	42,571,458,000	41,204,780,000	40,169,150,000	39,311,958,000	38,341,030,000	38,236,018,000	38,805,101,000	38,252,984,000	39,549,847,000	39,914,297,000	38,258,024,000	37,162,450,000				25,946,573,000	25,577,116,000	25,134,056,000	24,883,037,000	24,430,512,000	23,856,391,000	23,262,887,000	23,060,908,000	22,758,203,000	21,864,309,000	21,106,213,000	20,057,798,000	19,711,610,000	19,608,283,000	19,367,887,000	19,541,690,000	19,731,865,000
allowance for loan losses	-469,521,000	-464,831,000	-478,207,000	-486,845,000	-484,985,000	-485,101,000	-492,661,000	-479,385,000	-477,532,000	-471,238,000	-457,010,000	-443,424,000	-421,359,000	-407,837,000	-414,956,000	-427,597,000	-492,243,000	-516,708,000	-563,214,000	-605,736,000	-603,800,000	-588,648,000	-493,452,000	-281,402,000	-265,013,000	-257,376,000	-257,036,000	-250,555,000	-251,450,000	-251,725,000	-257,764,000	-248,095,000	-251,758,000	-253,817,000	-255,076,000	-254,516,000	-250,900,000	-253,371,000	-307,560,000	-318,612,000	-334,880,000	-351,772,000	-373,405,000	-420,404,000
loans	43,283,713,000	43,071,885,000	42,170,531,000	42,122,183,000	42,635,689,000	42,608,296,000	42,817,216,000	42,925,105,000	43,202,378,000	43,882,299,000	43,587,929,000	43,272,929,000	42,150,099,000	40,796,943,000	39,754,194,000	38,884,361,000	37,848,787,000	37,719,310,000	38,241,887,000	37,647,248,000	38,946,047,000	39,325,649,000	37,764,572,000	36,881,048,000	36,417,826,000	36,138,561,000	35,634,501,000	25,696,018,000	25,325,666,000	24,882,331,000	24,625,273,000	24,182,417,000	23,604,633,000	23,009,070,000	22,805,832,000	22,503,687,000	21,613,409,000	20,852,842,000	19,750,238,000	19,392,998,000	19,273,403,000	19,016,115,000	19,168,285,000	19,311,461,000
cash surrender value of bank-owned life insurance	1,156,297,000	1,150,853,000	1,148,075,000	1,139,988,000	1,133,652,000	1,125,928,000	1,119,379,000	1,112,030,000	1,107,092,000	1,100,114,000	1,094,072,000	1,089,280,000	1,084,060,000	1,078,703,000	1,075,175,000	1,068,616,000	1,065,256,000	1,059,235,000	1,054,475,000	1,049,373,000	1,044,046,000	1,038,049,000	1,031,544,000	775,665,000	771,458,000	766,287,000	761,098,000	554,134,000	551,061,000	547,261,000	543,684,000
premises, equipment, and software	376,013,000	378,739,000	381,925,000		380,267,000	375,455,000	375,315,000		364,054,000	365,443,000	367,089,000		376,823,000	383,060,000	386,631,000		423,933,000	446,447,000
goodwill	480,440,000	480,440,000	480,440,000	480,440,000	480,440,000	480,440,000	480,440,000	480,440,000	479,851,000	475,573,000	452,390,000	452,390,000	452,390,000	452,390,000	452,390,000	452,390,000	452,390,000	452,390,000	452,390,000	452,390,000	452,390,000	497,267,000	497,267,000	497,267,000	487,865,000	492,390,000	485,000,000	57,315,000	57,315,000	57,315,000	57,315,000	57,092,000	59,678,000	24,431,000	24,431,000	24,431,000	24,431,000	24,431,000	24,431,000	24,431,000	24,431,000	24,431,000	24,431,000	24,431,000
other intangible assets	26,436,000	29,063,000	31,691,000	34,318,000	37,207,000	40,114,000	43,021,000	45,928,000	49,096,000	61,538,000	25,267,000	27,124,000	29,242,000	31,360,000	33,478,000	35,596,000	37,975,000	40,354,000	42,733,000	45,112,000	47,752,000	50,392,000	53,032,000	55,671,000	58,572,000	61,473,000	74,683,000	9,875,000	10,166,000	10,458,000	10,750,000	11,843,000	13,223,000						3,415,000	3,783,000	4,156,000	4,583,000	5,149,000	5,895,000
other assets	2,713,905,000	2,638,989,000	2,911,431,000	2,856,406,000	2,770,666,000	2,830,430,000	2,751,148,000	2,587,324,000	2,699,079,000	2,580,848,000	2,545,813,000	2,471,638,000	2,395,146,000	2,167,700,000	1,977,156,000	1,790,198,000	1,961,349,000	1,765,161,000	1,764,705,000	1,760,599,000	1,782,047,000	1,770,146,000	1,909,793,000	1,418,930,000	1,499,374,000	1,386,036,000	1,321,728,000	604,084,000	582,001,000	555,901,000	559,887,000	890,155,000	813,220,000	701,794,000	692,862,000	692,828,000	665,333,000	620,532,000	616,376,000	616,714,000	630,000,000	641,306,000	660,378,000	852,865,000
total assets	60,485,175,000	61,056,785,000	60,339,121,000	60,233,644,000	59,589,628,000	59,606,343,000	59,835,120,000	59,809,534,000	59,342,930,000	60,655,591,000	61,840,025,000	59,731,378,000	58,639,522,000	57,382,745,000	56,419,549,000	57,317,226,000	55,509,129,000	54,938,659,000	55,159,011,000	54,394,159,000	53,040,538,000	54,121,989,000	50,619,585,000	48,203,282,000	47,661,182,000	47,318,203,000	46,630,025,000	32,669,192,000	32,075,120,000	31,740,305,000	31,501,028,000	30,687,966,000	30,104,002,000	29,727,096,000	29,459,691,000	29,171,257,000	28,167,827,000	27,633,784,000	26,201,604,000	26,218,360,000	26,563,174,000	26,212,879,000	26,760,012,000	25,764,644,000
liabilities and equity
liabilities
deposits:
non-interest-bearing deposits	11,053,423,000	11,658,129,000	11,543,123,000	11,596,119,000	11,561,626,000	11,655,811,000	12,042,353,000	12,507,616,000	12,976,574,000	13,565,602,000	14,642,677,000	15,639,899,000	16,359,551,000	16,876,710,000	16,611,344,000	16,392,653,000	15,787,882,000	15,345,629,000	14,660,287,000	13,477,854,000	13,075,081,000	12,555,714,000	9,659,451,000	9,439,485,000	9,586,148,000	9,205,066,000	9,144,315,000	7,650,967,000	7,628,736,000
interest-bearing deposits	38,950,306,000	38,266,878,000	39,299,938,000	39,499,240,000	38,632,114,000	38,539,967,000	38,537,889,000	38,231,569,000	37,227,316,000	36,514,790,000	35,311,259,000	33,231,660,000	31,338,013,000	32,157,990,000	32,044,900,000	33,034,623,000	31,900,537,000	31,826,333,000	32,708,664,000	33,213,717,000	31,590,823,000	31,638,866,000	30,167,134,000	28,966,019,000	27,846,922,000	28,761,656,000	28,930,875,000	19,069,355,000	18,804,922,000
total deposits	50,003,729,000	49,925,007,000	50,843,061,000	51,095,359,000	50,193,740,000	50,195,778,000	50,580,242,000	50,739,185,000	50,203,890,000	50,080,392,000	49,953,936,000	48,871,559,000	47,697,564,000	49,034,700,000	48,656,244,000	49,427,276,000	47,688,419,000	47,171,962,000	47,368,951,000	46,691,571,000	44,665,904,000	44,194,580,000	39,826,585,000	38,405,504,000	37,433,070,000	37,966,722,000	38,075,190,000	26,720,322,000	26,433,658,000	26,442,688,000	26,253,507,000	25,218,816,000	24,648,060,000	24,192,003,000	23,925,922,000	23,449,928,000	22,777,413,000	22,107,849,000	20,876,790,000	20,973,856,000	20,710,703,000	20,561,193,000	21,057,044,000	20,846,830,000
federal funds purchased, securities sold under repurchase agreements, and other short-term borrowings	62,467,000	85,327,000	83,002,000	131,728,000
long-term debt	3,008,195,000	3,909,478,000	2,096,918,000	1,733,109,000	2,021,050,000	2,283,767,000	2,031,735,000	1,932,534,000	2,704,701,000	4,021,411,000	5,146,252,000	4,109,597,000	4,434,327,000	1,804,104,000	805,259,000	1,204,229,000	1,203,761,000	1,203,293,000	1,202,825,000	1,202,494,000	1,628,385,000	2,327,921,000	3,152,339,000	2,153,897,000	2,153,600,000	2,306,072,000	2,106,037,000	1,657,157,000	1,656,909,000	1,656,647,000	1,856,392,000	2,107,245,000	2,160,881,000	2,160,985,000	2,135,892,000	2,360,865,000	2,038,719,000	2,189,769,000	2,033,141,000	1,885,057,000	1,885,689,000	1,653,230,000	1,726,455,000	1,654,183,000
other liabilities	1,571,580,000	1,498,331,000	1,903,837,000	2,007,197,000	1,902,612,000	1,953,106,000	1,800,794,000	1,801,097,000	1,772,139,000	1,661,175,000	1,520,860,000	1,524,449,000	2,037,706,000	1,614,261,000	1,632,287,000	1,124,788,000	1,101,599,000	1,130,904,000	1,131,859,000	1,103,121,000	1,079,363,000	1,097,992,000	1,087,680,000	782,941,000	774,662,000	688,112,000	683,662,000	270,419,000	274,795,000	265,696,000	249,103,000	213,579,000	207,438,000	272,424,000	199,039,000	203,217,000	199,104,000	180,208,000	194,556,000	232,974,000	175,645,000	182,127,000	205,839,000	222,066,000
total liabilities	54,645,971,000	55,418,143,000	54,926,818,000	54,967,393,000	54,211,457,000	54,529,671,000	54,793,484,000	54,665,386,000	54,781,362,000	55,847,823,000	57,069,895,000	55,255,577,000	54,409,807,000	52,798,307,000	51,594,914,000	52,020,426,000	50,256,327,000	49,700,945,000	49,997,294,000	49,232,825,000	47,975,996,000	49,069,021,000	45,554,380,000	43,261,592,000	42,792,344,000	42,564,387,000	42,032,272,000	29,535,590,000	29,035,047,000	28,572,611,000	28,544,533,000	27,690,019,000	27,176,078,000	26,820,437,000	26,508,032,000	26,217,989,000	25,150,711,000	24,603,149,000	23,252,619,000	23,286,500,000	22,994,970,000	22,634,773,000	23,190,581,000	22,888,944,000
equity
shareholders' equity:
preferred stock - no par value; authorized 100,000,000 shares; issued 22,000,000	537,145,000	537,145,000	537,145,000	537,145,000	537,145,000	537,145,000	537,145,000	537,145,000	537,145,000	537,145,000	537,145,000	537,145,000	537,145,000	537,145,000	537,145,000	537,145,000	537,145,000	537,145,000	537,145,000	537,145,000	537,145,000	537,145,000	537,145,000
common stock - 1.00 par value; authorized 342,857,142 shares; issued 172,734,160 and 172,185,507, respectively; outstanding 138,813,060 and 141,165,908, respectively	172,734,000
additional paid-in capital	3,999,363,000	3,992,061,000	3,983,395,000	3,986,729,000	3,976,706,000	3,965,751,000	3,957,576,000	3,955,819,000	3,940,507,000	3,933,548,000	3,925,449,000	3,920,346,000	3,916,729,000	3,908,118,000	3,899,269,000	3,894,109,000	3,883,289,000	3,872,949,000	3,864,281,000	3,851,208,000	3,832,142,000	3,826,726,000	3,821,357,000	3,819,336,000	3,801,158,000	3,801,748,000	3,794,262,000	3,060,561,000	3,049,233,000	3,045,014,000	3,039,757,000	3,029,754,000	3,028,405,000	2,987,760,000	2,993,985,000	2,989,854,000	2,986,333,000	2,976,882,000	2,138,024,000	2,138,593,000	2,038,483,000	2,174,578,000	2,189,874,000	2,202,903,000
treasury stock	-1,359,096,000	-1,359,113,000	-1,337,676,000	-1,216,827,000	-1,167,130,000	-1,066,239,000	-974,499,000	-944,484,000	-944,484,000	-944,484,000	-944,484,000	-944,484,000	-944,484,000	-944,484,000	-941,168,000	-931,497,000	-898,707,000	-824,197,000	-731,690,000	-731,806,000	-731,806,000	-731,806,000	-731,806,000	-715,560,000	-680,081,000	-344,901,000	-319,898,000	-1,014,746,000	-974,478,000	-916,484,000	-866,407,000	-709,944,000	-664,595,000	-654,014,000	-573,058,000	-512,496,000	-364,428,000	-261,402,000	-114,176,000	-114,176,000	-114,176,000	-114,176,000	-114,176,000	-114,176,000
accumulated other comprehensive income	-676,797,000	-739,221,000	-826,718,000	-970,765,000	-773,786,000	-1,050,374,000	-1,248,194,000	-1,117,073,000	-1,679,404,000	-1,395,175,000	-1,289,327,000	-1,442,117,000	-1,534,314,000	-1,026,705,000	-662,065,000	-82,321,000	-5,462,000	45,726,000	15,278,000	158,635,000	174,914,000	202,970,000	256,911,000	65,641,000	75,933,000	49,289,000								5,165,000					-41,258,000	-29,514,000	-33,060,000	2,787,000	4,101,000	16,156,000
retained earnings	3,145,388,000	3,014,111,000	2,861,945,000	2,736,089,000	2,610,964,000	2,495,387,000	2,574,017,000	2,517,226,000	2,512,334,000	2,480,686,000	2,370,633,000	2,234,770,000	2,084,541,000	1,940,351,000	1,821,542,000	1,709,980,000	1,567,366,000	1,436,983,000	1,307,725,000	1,178,019,000	1,084,736,000	1,050,527,000	1,014,238,000	1,068,327,000	969,077,000	886,460,000	780,662,000	843,767,000	770,807,000	700,688,000	621,925,000	457,523,000	351,767,000	300,702,000	252,739,000	209,876,000	134,797,000	52,497,000
total synovus financial corp. shareholders' equity	5,818,737,000	5,617,686,000	5,390,751,000		5,355,976,000	5,053,606,000	5,017,918,000		4,536,958,000	4,782,528,000
noncontrolling interest in subsidiary	20,467,000	20,956,000	21,552,000	21,694,000	22,195,000	23,066,000	23,718,000	24,155,000	24,610,000	25,240,000
total equity	5,839,204,000	5,638,642,000	5,412,303,000	5,266,251,000	5,378,171,000	5,076,672,000	5,041,636,000	5,144,148,000	4,561,568,000	4,807,768,000
total liabilities and equity	60,485,175,000	61,056,785,000	60,339,121,000		59,589,628,000	59,606,343,000	59,835,120,000		59,342,930,000	60,655,591,000
common stock - 1.00 par value; authorized 342,857,142 shares; issued 172,702,630 and 172,185,507, respectively; outstanding 138,781,530 and 141,165,908, respectively		172,703,000
common stock - 1.00 par value; authorized 342,857,142 shares; issued 172,659,603 and 172,185,507, respectively; outstanding 139,214,132 and 141,165,908, respectively			172,660,000
premises, equipment and software				383,724,000				365,851,000				370,632,000				407,241,000			454,911,000	463,959,000
liabilities and shareholders' equity
shareholders’ equity
common stock - 1.00 par value; authorized 342,857,142 shares; issued 172,185,507 and 171,360,188, respectively; outstanding 141,165,908 and 146,705,330, respectively				172,186,000
total synovus financial corp. shareholders’ equity				5,244,557,000				5,119,993,000
total liabilities and shareholders' equity				60,233,644,000				59,809,534,000			61,840,025,000	59,731,378,000	58,639,522,000	57,382,745,000	56,419,549,000	57,317,226,000	55,509,129,000	54,938,659,000	55,159,011,000	54,394,159,000	53,040,538,000	54,121,989,000	50,619,585,000	48,203,282,000	47,661,182,000	47,318,203,000	46,630,025,000	32,669,192,000	32,075,120,000	31,740,305,000	31,501,028,000	30,687,966,000	30,104,002,000	29,727,096,000	29,459,691,000	29,171,257,000	28,167,827,000	27,633,784,000	26,201,604,000	26,218,360,000	26,563,174,000	26,212,879,000	26,760,012,000	25,764,644,000
federal funds purchased and securities sold under repurchase agreements					94,055,000	94,484,000	128,244,000	189,074,000	98,270,000	83,384,000	195,695,000	146,588,000	240,210,000	345,242,000	501,124,000		262,548,000	194,786,000			202,344,000	225,576,000	312,776,000	165,690,000	197,419,000	273,481,000	314,383,000	237,692,000	191,145,000	207,580,000	185,531,000	150,379,000	159,699,000	195,025,000	247,179,000	203,979,000	135,475,000	125,323,000	148,132,000			238,223,000	201,243,000	165,865,000
other short-term borrowings						2,536,000	252,469,000	3,496,000	2,362,000	1,461,000	253,152,000	603,384,000								7,717,000	400,000,000	300,000,000	1,175,000,000	1,753,560,000	2,233,593,000	1,330,000,000	853,000,000	650,000,000	478,540,000
common stock - 1.00 par value; authorized 342,857,142 shares; issued 172,077,277 and 171,360,188, respectively; outstanding 141,997,383 and 146,705,330, respectively					172,077,000
common stock - 1.00 par value; authorized 342,857,142 shares; issued 171,935,817 and 171,360,188, respectively; outstanding 144,149,614 and 146,705,330, respectively						171,936,000
investment securities available for sale, at fair value							9,694,515,000	9,788,662,000	9,237,191,000	9,621,175,000	9,732,618,000	9,678,103,000	9,587,508,000	9,889,850,000	10,463,101,000	10,918,329,000	10,481,071,000	9,442,170,000	8,825,757,000	7,962,438,000	7,566,525,000	7,197,493,000	6,937,240,000	6,778,670,000	6,892,162,000	7,007,012,000	6,808,191,000	3,991,632,000	3,883,574,000	3,929,962,000	3,990,978,000	3,827,058,000	3,718,195,000	3,603,153,000	3,580,359,000	3,582,244,000	3,487,332,000	3,130,041,000	3,199,358,000	3,151,344,000	3,077,706,000	3,049,353,000	2,981,112,000	3,229,440,000
common stock - 1.00 par value; authorized 342,857,143 shares; issued 171,873,265 and 171,360,188, respectively; outstanding 146,418,407 and 146,705,330, respectively							171,873,000
common stock - 1.00 par value; authorized 342,857,143 shares; issued 171,360,188 and 170,141,492, respectively; outstanding 146,705,330 and 145,486,634, respectively								171,360,000
cash and due from banks									604,631,000	576,148,000	638,150,000	624,097,000	516,163,000	583,323,000	557,178,000	432,925,000	483,035,000	560,396,000	493,645,000	531,625,000	578,026,000	572,169,000	652,451,000	535,846,000	611,496,000	549,616,000	519,681,000	468,426,000	436,540,000	404,080,000	348,027,000
interest-bearing funds with federal reserve bank									1,431,356,000	1,391,961,000	2,656,953,000	1,280,684,000	1,260,748,000	1,023,030,000	941,272,000	2,479,006,000	2,103,497,000	2,598,213,000	2,722,100,000	3,586,565,000	1,266,313,000	860,289,000	1,020,775,000	553,390,000	480,913,000	531,488,000	688,470,000	641,476,000	515,493,000
interest earning deposits with banks									65,468,000	50,254,000	34,779,000	34,632,000	32,445,000	29,139,000	27,411,000	25,535,000	23,261,000	21,513,000	23,969,000	20,944,000	20,929,000	20,719,000	20,717,000	20,635,000	20,086,000	20,271,000	24,147,000	19,841,000	34,470,000	33,754,000	16,851,000	6,012,000	18,720,000	18,375,000	24,541,000	21,686,000	21,170,000	6,871,000	24,325,000	14,060,000	22,065,000	21,890,000	23,442,000	27,215,000
common stock - 1.00 par value; authorized 342,857,143 shares; issued 170,859,506 and 170,141,492, respectively; outstanding 146,204,648 and 145,486,634, respectively									170,860,000
common stock - 1.00 par value; authorized 342,857,143 shares; issued 170,808,134 and 170,141,492, respectively; outstanding 146,153,276 and 145,486,634, respectively										170,808,000
shareholders' equity
common stock - 1.00 par value; authorized 342,857,143 shares; issued 170,713,864 and 170,141,492, respectively; outstanding 146,059,006 and 145,486,634, respectively											170,714,000
total shareholders' equity											4,770,130,000		4,229,715,000	4,584,438,000	4,824,635,000		5,252,802,000	5,237,714,000	5,161,717,000		5,064,542,000
common stock - 1.00 par value; authorized 342,857,143 shares; issued 170,141,492 and 169,383,758, respectively; outstanding 145,486,634 and 145,010,086, respectively												170,141,000
total shareholders’ equity												4,475,801,000				5,296,800,000				5,161,334,000		5,052,968,000	5,065,205,000	4,941,690,000	4,868,838,000	4,753,816,000	4,597,753,000	3,133,602,000	3,040,073,000	3,167,694,000	2,956,495,000	2,997,947,000	2,927,924,000	2,906,659,000	2,951,659,000	2,953,268,000	3,017,116,000	3,030,635,000	2,948,985,000	2,931,860,000	3,568,204,000	3,578,106,000	3,569,431,000	2,875,700,000
common stock - 1.00 par value; authorized 342,857,143 shares; issued 170,097,791 and 169,383,758; outstanding 145,442,933 and 145,010,086													170,098,000
common stock - 1.00 par value; authorized 342,857,143 shares; issued 170,012,527 and 169,383,758; outstanding 145,357,669 and 145,010,086														170,013,000
common stock - 1.00 par value; authorized 342,857,143 shares; issued 169,912,021 and 169,383,758; outstanding 145,334,763 and 145,010,086															169,912,000
securities sold under repurchase agreements																264,133,000			293,659,000	227,922,000
common stock - 1.00 par value; authorized 342,857,143 shares; issued 169,383,758 and 168,132,522; outstanding 145,010,086 and 148,039,495																169,384,000
common stock - 1.00 par value; authorized 342,857,143 shares; issued 169,170,589 and 168,132,522; outstanding 145,483,994 and 148,039,495																	169,171,000
common stock - 1.00 par value; authorized 342,857,143 shares; issued 169,107,609 and 168,132,522; outstanding 147,071,532 and 148,039,495																		169,108,000
common stock - 1.00 par value; authorized 342,857,143 shares; issued 168,978,380 and 168,132,522; outstanding 148,888,513 and 148,039,495																			168,978,000
common stock - 1.00 par value; authorized 342,857,143 shares; issued 168,132,522 and 166,800,623; outstanding 148,039,495 and 147,157,596																				168,133,000
total cash, cash equivalents, restricted cash, and restricted cash equivalents																					1,985,363,000	1,571,225,000	1,823,834,000	1,186,918,000	1,182,470,000	1,151,321,000	1,265,925,000	1,143,564,000	1,011,933,000	1,091,788,000	1,059,017,000
premises and equipment																					471,208,000	481,716,000	482,462,000	493,940,000	487,053,000	490,644,000	479,965,000	434,307,000	431,012,000	428,633,000	424,342,000	416,364,000	417,485,000	418,091,000	424,967,000	439,122,000	449,078,000	451,843,000	468,871,000	476,088,000	477,948,000	477,132,000	479,546,000	475,222,000
common stock - 1.00 par value; authorized 342,857,143 shares; issued 167,410,950 and 166,800,623; outstanding 147,317,923 and 147,157,596																					167,411,000
receivable on unsettled securities sales																						1,289,116,000
due on unsettled securities purchases																						922,952,000
common stock - 1.00 par value; authorized 342,857,143 shares; issued 167,405,730 and 166,800,623; outstanding 147,312,703 and 147,157,596																						167,406,000
mortgage loans held for sale, at fair value																							119,841,000	115,173,000	129,415,000	81,855,000	55,970,000	37,129,000	37,276,000	53,673,000	50,439,000	61,893,000	51,545,000	95,769,000	87,824,000	62,867,000	73,623,000	89,245,000	45,384,000	61,232,000	112,761,000	144,232,000	212,663,000	246,224,000
common stock - 1.00 par value; authorized 342,857,143 shares; issued 167,359,689 and 166,800,623; outstanding 147,266,662 and 147,157,596																							167,360,000
preferred stock - no par value; authorized 100,000,000 shares; issued 22,000,000 and 8,000,000																								537,145,000
common stock - 1.00 par value; authorized 342,857,143 shares; issued 166,800,623 and 143,300,449; outstanding 147,157,596 and 115,865,510																								166,801,000
preferred stock - no par value. authorized 100,000,000 shares; 22,000,000 shares issued and outstanding at september 30, 2019, 8,000,000 shares issued and outstanding at december 31, 2018																									536,550,000
common stock - 1.00 par value. authorized 342,857,143 shares; 166,201,048 issued at september 30, 2019 and 143,300,449 issued at december 31, 2018; 147,594,000 outstanding at september 30, 2019 and 115,865,510 outstanding at december 31, 2018																									166,201,000
series d preferred stock – no par value. authorized 100,000,000 shares; 8,000,000 shares issued and outstanding at june 30, 2019 and december 31, 2018																										195,140,000
common stock - 1.00 par value. authorized 342,857,143 shares; 166,079,543 issued at june 30, 2019 and 143,300,449 issued at december 31, 2018; 156,872,026 outstanding at june 30, 2019 and 115,865,510 outstanding at december 31, 2018																										166,080,000
series d preferred stock – no par value. authorized 100,000,000 shares; 8,000,000 shares issued and outstanding at march 31, 2019 and december 31, 2018																											195,140,000
common stock - 1.00 par value. authorized 342,857,143 shares; 165,929,349 issued at march 31, 2019 and 143,300,449 issued at december 31, 2018; 157,454,007 outstanding at march 31, 2019 and 115,865,510 outstanding at december 31, 2018																											165,929,000
accumulated other comprehensive loss																											-18,342,000	-94,420,000	-143,720,000	-125,720,000	-107,777,000	-47,865,000	-55,659,000			-740,000	-6,092,000	-3,651,000
deferred tax asset																												141,134,000	185,116,000	182,983,000	179,343,000	320,403,000	395,356,000	395,795,000	425,160,000	464,242,000	526,492,000	589,190,000	744,646,000	763,050,000	789,525,000
series c preferred stock - no par value; 5,200,000 outstanding at december 31, 2017
series d preferred stock - no par value; authorized 100,000,000 shares; 8,000,000 shares issued and outstanding at december 31, 2018																												195,140,000
common stock - 1.00 par value; authorized 342,857,143 shares; 143,300,449 issued at december 31, 2018 and 142,677,449 issued at december 31, 2017; 115,865,510 outstanding at december 31, 2018 and 118,897,295 outstanding at december 31, 2017																												143,300,000
series d preferred stock – no par value. authorized 100,000,000 shares; 8,000,000 shares issued and outstanding at september 30, 2018																													195,138,000
series c preferred stock - no par value. 5,200,000 shares outstanding at december 31, 2017
common stock - 1.00 par value. authorized 342,857,143 shares; 143,093,317 issued at september 30, 2018 and 142,677,449 issued at december 31, 2017; 116,714,463 outstanding at september 30, 2018 and 118,897,295 outstanding at december 31, 2017																													143,093,000
interest bearing funds with federal reserve bank																														613,082,000	636,947,000	468,148,000	527,090,000	985,776,000	904,406,000	908,527,000	837,641,000	1,263,886,000	644,528,000	966,435,000	1,459,251,000	1,332,512,000	1,498,390,000	815,156,000
non-interest bearing deposits																														7,630,491,000	7,381,070,000	7,363,476,000	7,085,804,000	7,059,059,000	6,934,443,000	6,896,547,000	6,570,227,000	6,251,393,000	5,642,751,000	5,358,659,000	5,203,437,000	5,152,276,000	5,665,527,000	5,503,288,000
interest bearing deposits, excluding brokered deposits																														16,961,187,000	16,865,859,000	16,387,032,000	16,183,273,000	15,817,596,000	15,495,318,000	15,348,864,000	14,961,388,000	14,251,510,000	14,140,037,000	14,339,997,000	14,169,203,000	14,076,285,000	14,298,768,000	14,423,583,000
brokered deposits																														1,851,010,000	2,006,578,000	1,468,308,000	1,378,983,000	1,315,348,000	1,496,161,000	1,204,517,000	1,245,798,000	1,604,946,000	1,094,002,000	1,275,200,000	1,338,063,000	1,332,632,000	1,092,749,000	919,959,000
series d preferred stock – no par value. authorized 100,000,000 shares; 8,000,000 shares issued and outstanding at june 30, 2018																														195,138,000
series c preferred stock - no par value. 5,200,000 shares outstanding at june 30, 2018 and december 31, 2017																														125,980,000
common stock - 1.00 par value. authorized 342,857,143 shares; 143,077,973 issued at june 30, 2018 and 142,677,449 issued at december 31, 2017; 117,841,369 outstanding at june 30, 2018 and 118,897,295 outstanding at december 31, 2017																														143,078,000
series c preferred stock – no par value. authorized 100,000,000 shares; 5,200,000 shares issued and outstanding at march 31, 2018 and december 31, 2017																															125,980,000
common stock - 1.00 par value. authorized 342,857,143 shares; 143,017,301 issued at march 31, 2018 and 142,677,449 issued at december 31, 2017; 118,702,497 outstanding at march 31, 2018 and 118,897,295 outstanding at december 31, 2017																															143,017,000
cash and cash equivalents																																377,213,000	395,175,000	367,342,000	377,334,000	352,060,000	329,396,000	429,338,000	469,630,000	514,694,000	428,487,000	412,305,000	614,630,000	454,028,000
trading account assets, at fair value																																3,045,000	9,314,000	7,309,000	1,001,000	4,801,000	5,844,000	20,002,000	6,113,000	17,363,000	23,069,000	9,040,000	11,102,000	5,953,000
other real estate																																19,476,000	22,308,000	28,438,000	33,289,000	38,462,000	64,346,000	74,791,000	112,629,000	126,640,000	139,653,000	155,237,000	150,271,000	189,182,000
series c preferred stock – no par value. authorized 100,000,000 shares; 5,200,000 shares issued and outstanding at june 30, 2017 and december 31, 2016																																125,980,000
common stock - 1.00 par value. authorized 342,857,143 shares; 142,498,906 issued at june 30, 2017 and 142,025,720 issued at december 31, 2016; 121,661,092 outstanding at june 30, 2017 and 122,266,106 outstanding at december 31, 2016																																142,499,000
series c preferred stock – no par value. 5,200,000 shares outstanding at december 31, 2016 and december 31, 2015																																	125,980,000
common stock - 1.00 par value. authorized 342,857,143 shares at december 31, 2016 and december 31, 2015; issued 142,025,720 at december 31, 2016 and 140,592,409 at december 31, 2015; outstanding 122,266,106 at december 31, 2016 and 129,547,032 at december 31, 2015																																	142,026,000
series c preferred stock – no par value. authorized 100,000,000 shares; 5,200,000 shares issued and outstanding at september 30, 2016 and december 31, 2015																																		125,980,000
common stock - 1.00 par value. authorized 342,857,143 shares; 141,066,207 issued at september 30, 2016 and 140,592,409 issued at december 31, 2015; 121,453,772 outstanding at september 30, 2016 and 129,547,032 outstanding at december 31, 2015																																		141,066,000
series c preferred stock – no par value. authorized 100,000,000 shares; 5,200,000 shares issued and outstanding at june 30, 2016 and december 31, 2015																																			125,980,000
common stock - 1.00 par value. authorized 342,857,143 shares; 141,007,636 issued at june 30, 2016 and 140,592,409 issued at december 31, 2015; 124,047,659 outstanding at june 30, 2016 and 129,547,032 outstanding at december 31, 2015																																			141,008,000
accumulated other comprehensive gain																																			11,005,000
series c preferred stock – no par value. authorized 100,000,000 shares; 5,200,000 shares issued and outstanding at march 31, 2016 and december 31, 2015																																				125,980,000
common stock - 1.00 par value. authorized 342,857,143 shares; 140,793,916 issued at march 31, 2016 and 140,592,409 issued at december 31, 2015; 125,849,939 outstanding at march 31, 2016 and 129,547,032 outstanding at december 31, 2015																																				140,794,000
series c preferred stock – no par value. 5,200,000 shares outstanding at september 30, 2015 and december 31, 2014																																					125,980,000
common stock - 1.00 par value. authorized 342,857,143 shares; 140,525,608 issued at september 30, 2015 and 139,950,422 issued at december 31, 2014; 130,632,731 outstanding at september 30, 2015 and 136,122,843 outstanding at december 31, 2014																																					140,526,000
series c preferred stock – no par value. 5,200,000 shares outstanding at march 31, 2015 and december 31, 2014																																						125,980,000
common stock - 1.00 par value. authorized 342,857,143 shares; 140,328,807 issued at march 31, 2015 and 139,950,422 issued at december 31, 2014; 133,929,630 outstanding at march 31, 2015 and 136,122,843 outstanding at december 31, 2014																																						140,329,000
other loans held for sale																																							10,685,000	9,351,000	12,083,000	9,129,000	10,690,000	11,254,000
series a preferred stock – no par value. authorized 100,000,000 shares; 967,870 issued and outstanding at december 31, 2012
series c preferred stock – no par value. 5,200,000 shares outstanding at december 31, 2013																																							125,862,000
common stock - 1.00 par value. authorized 1,200,000,000 shares; issued 978,044,909 at december 31, 2013 and 792,272,692 at december 31, 2012; outstanding 972,351,457 at december 31, 2013 and 786,579,240 at december 31, 2012																																							978,045,000
accumulated deficit																																							-137,512,000	-166,367,000	-201,976,000	-238,407,000	-259,968,000	-976,142,000
federal funds purchased, securities sold under repurchase agreements, and other short-term liabilities																																								194,613,000	222,933,000
series c preferred stock – no par value. 5,200,000 shares outstanding at september 30, 2013																																								125,400,000
common stock - 1.00 par value. authorized 1,200,000,000 shares; 977,923,690 issued at september 30, 2013 and 792,272,692 issued at december 31, 2012; 972,230,238 outstanding at september 30, 2013 and 786,579,240 outstanding at december 31, 2012																																								977,924,000
series a preferred stock – no par value. authorized 100,000,000 shares; 967,870 issued and outstanding																																									962,725,000
common stock - 1.00 par value. authorized 1,200,000,000 shares; 916,207,848 issued at june 30, 2013 and 792,272,692 issued at december 31, 2012; 910,514,396 outstanding at june 30, 2013 and 786,579,240 outstanding at december 31, 2012																																									916,208,000
net deferred tax asset																																										792,736,000	806,406,000
series a preferred stock – no par value. authorized 100,000,000 shares; 967,870 issued and outstanding at march 31, 2013 and december 31, 2012																																										960,005,000
common stock - 1.00 par value. authorized 1,200,000,000 shares; issued 793,319,044 at march 31, 2013 and 792,272,692 at december 31, 2012; 787,625,592 outstanding at march 31, 2013 and 786,579,240 at december 31, 2012																																										793,319,000
series a preferred stock – no par value. authorized 100,000,000 shares; 967,870 issued and outstanding at december 31, 2012 and 2011																																											957,327,000
common stock - 1.00 par value. authorized 1,200,000,000 shares; issued 792,272,692 at december 31, 2012 and 790,988,880 at december 31, 2011; outstanding 786,579,240 at december 31, 2012 and 785,295,428 at december 31, 2011																																											792,273,000
series a preferred stock – no par value. authorized 100,000,000 shares; 967,870 issued and outstanding at september 30, 2012 and december 31, 2011																																												954,690,000
common stock - 1.00 par value. authorized 1,200,000,000 shares; issued 792,268,968 at september 30, 2012 and 790,988,880 at december 31, 2011; outstanding 786,575,516 at september 30, 2012 and 785,295,428 at december 31, 2011																																												792,269,000

Cashflow Statements:

Quarterly

Annual

Unit: USD	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31

operating activities
net income	196,505,000	217,119,000	194,872,000	189,377,000	180,684,000	-14,680,000	124,070,000	69,573,000	96,465,000	173,944,000	202,159,000	205,770,000	203,044,000	178,051,000	171,037,000	200,402,000	186,773,000	186,199,000	187,093,000	150,409,000	91,574,000	93,191,000	38,521,000	120,186,000	105,069,000	109,059,000	111,182,000	103,166,000	68,551,000	65,244,000	60,458,000	52,531,000	38,579,000	45,695,000	45,535,000	29,574,000	724,039,000
adjustments to reconcile net income to net cash from operating activities:
benefit from (reversal of) credit losses	21,689,000	3,245,000	10,921,000	32,867,000	23,434,000	26,404,000	53,980,000	45,472,000	72,572,000	38,881,000	32,154,000	34,884,000	25,581,000	12,688,000	11,400,000
depreciation, amortization, and accretion	16,722,000	13,530,000	11,543,000	12,860,000	13,338,000	16,356,000	17,854,000	29,904,000	21,700,000	21,766,000	20,088,000	15,820,000	16,361,000	9,882,000	27,109,000	33,922,000	39,974,000	31,696,000	52,395,000	28,722,000	27,464,000	26,272,000	23,649,000	7,000,000	13,456,000	13,055,000	13,838,000	14,823,000	14,613,000	15,109,000	14,721,000	13,785,000	12,797,000	13,993,000	14,898,000	17,622,000	17,461,000
deferred income tax expense	-1,195,000	2,508,000	6,787,000	4,355,000	6,058,000	6,512,000	2,446,000	-5,990,000	3,633,000	18,488,000	706,000	22,668,000	-8,573,000	-4,477,000	1,250,000	8,787,000	11,102,000	7,185,000	17,926,000					6,915,000	26,855,000	4,138,000	2,623,000	2,599,000	34,401,000	33,153,000	32,682,000	28,601,000	26,314,000	23,645,000	26,053,000	14,403,000
originations of loans held for sale	-2,204,773,000	-2,011,454,000	-1,544,628,000	-1,639,433,000	-1,911,294,000	-2,160,318,000	-468,414,000	-132,264,000	-156,505,000	-168,753,000	-143,149,000	-290,199,000	-966,772,000	-1,179,391,000	-915,873,000	-825,740,000	-830,552,000	-966,733,000	-1,075,343,000	-1,244,868,000	-414,407,000
proceeds from sales and payments on loans held for sale	2,213,434,000	1,983,084,000	1,515,593,000		1,931,987,000	2,154,295,000	392,753,000		194,831,000	328,212,000	275,274,000		1,187,092,000	979,931,000	946,187,000		1,039,180,000	1,220,217,000	857,872,000
gain on sales of loans held for sale	-3,435,000	-3,278,000	-2,523,000	-1,684,000	-2,841,000	-2,713,000	-2,419,000	-1,919,000	-2,042,000	-3,023,000	-2,716,000	-1,289,000	-3,560,000	-2,630,000	-4,647,000	-5,583,000	-9,428,000	-11,209,000	-16,293,000	-17,114,000	-24,216,000
increase in other assets	-89,181,000	324,290,000	-96,746,000	-113,459,000	-41,639,000	-152,550,000	-81,810,000	-40,461,000	-95,011,000	-91,831,000	-63,174,000	-132,994,000	53,487,000	-48,989,000	-58,709,000	-51,285,000	-2,570,000			-14,412,000	1,234,458,000	-1,188,967,000	-442,711,000		-19,192,000	-10,126,000	-2,480,000	-52,159,000		-5,176,000
increase in other liabilities	50,369,000	-354,926,000	-50,058,000	96,364,000	49,060,000	142,435,000	-22,298,000	73,647,000	111,159,000	34,112,000	25,417,000	124,668,000	-114,698,000	78,420,000	-5,433,000	7,067,000	-27,187,000	10,382,000	-11,936,000	47,848,000	-941,863,000	915,395,000	260,486,000		4,512,000	9,398,000	16,758,000	-8,466,000		23,906,000	-4,179,000	17,341,000				-9,477,000
investment securities (gains) losses				0	0			77,748,000	0	0	-1,030,000									-2,337,000	1,550,000
share-based compensation expense	8,042,000	9,111,000	6,496,000	7,986,000	8,442,000	7,707,000	7,914,000	7,373,000	7,900,000	8,240,000	8,711,000	5,519,000	7,874,000	6,177,000	8,334,000	6,310,000	8,354,000	5,467,000	7,664,000	4,768,000	4,953,000	5,350,000	3,570,000	10,244,000	4,139,000	4,184,000	4,365,000	3,955,000	3,402,000	3,364,000	3,512,000	3,337,000		2,421,000	1,531,000	1,819,000
net gain on sales of other real estate and other assets held for sale	-711,000	0	-355,000	-626,000	-303,000
net cash from operating activities	205,724,000	183,229,000	51,902,000	260,819,000	256,926,000	279,209,000	24,076,000	266,213,000	302,311,000	359,659,000	354,440,000	580,659,000	399,836,000	29,662,000	181,332,000	-49,326,000	406,816,000	416,296,000	20,230,000	225,392,000	674,630,000	-902,751,000	19,761,000	142,508,000	147,062,000	160,017,000	155,537,000	75,436,000	139,425,000	127,666,000	110,177,000	90,499,000	123,565,000	186,176,000	116,002,000	178,783,000	331,168,000
capital expenditures	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
free cash flows	205,724,000	183,229,000	51,902,000	260,819,000	256,926,000	279,209,000	24,076,000	266,213,000	302,311,000	359,659,000	354,440,000	580,659,000	399,836,000	29,662,000	181,332,000	-49,326,000	406,816,000	416,296,000	20,230,000	225,392,000	674,630,000	-902,751,000	19,761,000	142,508,000	147,062,000	160,017,000	155,537,000	75,436,000	139,425,000	127,666,000	110,177,000	90,499,000	123,565,000	186,176,000	116,002,000	178,783,000	331,168,000
investing activities
proceeds from maturities and principal collections of investment securities held to maturity	69,863,000	60,939,000	49,571,000	57,474,000	63,472,000
proceeds from maturities and principal collections of investment securities available for sale	153,859,000	145,418,000	125,397,000	136,752,000	127,172,000	154,789,000	196,020,000	223,877,000	264,509,000	244,483,000	205,098,000	248,747,000	498,276,000	584,010,000	642,957,000	772,085,000	662,676,000	763,769,000	852,628,000	723,647,000	637,885,000	588,573,000	341,431,000	197,726,000	145,948,000	162,999,000	154,223,000	139,929,000	182,241,000	268,754,000	275,089,000	168,039,000	126,324,000	192,073,000	176,350,000	216,387,000	284,676,000
proceeds from sales of investment securities available for sale				0	0			1,218,925,000	0	0	82,595,000					341,423,000	0	0	223,977,000	122,302,000	1,249,507,000	2,269,681,000	413,180,000	1,188,239,000	0	0			371,782,000	353,215,000	0	243,609,000	3,926,000	56,406,000	135,146,000	212,240,000	230,073,000
purchases of investment securities available for sale	-42,532,000	-47,148,000	-277,156,000	-385,667,000	-378,879,000	-1,617,952,000	-258,482,000	-1,440,498,000	-269,918,000	-247,005,000	-193,009,000	-250,142,000	-767,708,000	-449,348,000	-820,120,000	-1,430,502,000	-1,970,281,000	-1,351,362,000	-2,125,567,000	-1,260,351,000	-2,290,738,000	-3,134,516,000	-755,558,000	-1,800,346,000	-189,397,000	-143,339,000	-156,373,000	-211,085,000	-818,047,000	-610,190,000	-259,258,000	-363,788,000	-237,200,000	-271,519,000	-416,566,000	-509,037,000	-293,172,000
net proceeds from sales of loans	5,094,000	9,248,000	37,000	12,328,000	16,272,000	6,305,000	2,548,000	8,922,000
net increase in loans	-257,977,000	-912,850,000	-56,802,000	475,388,000	-66,812,000	177,957,000	28,830,000	226,089,000	-567,069,000	-410,598,000	-773,103,000	-1,165,836,000	-1,226,931,000	-867,680,000	-726,686,000					1,241,901,000	-955,163,000	-1,682,915,000	-1,065,125,000					-109,180,000	-250,222,000	-218,422,000	-316,619,000	-344,159,000	-424,856,000				-511,908,000
net (purchases) redemptions of federal home loan bank stock	26,125,000	-85,518,000	-16,878,000	36,812,000	13,063,000	-24,000	-16,626,000	33,273,000	45,250,000	57,374,000	-7,439,000	-18,456,000	-99,375,000	-31,873,000	-13,827,000	0	0						-978,000	-24,239,000	843,000	-20,188,000
net (purchases) redemptions of federal reserve bank stock	-230,000	202,000	-287,000	-314,000	-224,000	27,000	-12,144,000	10,598,000	-115,000	-8,456,000	-7,108,000	11,114,000	4,573,000	-112,000	-424,000								-454,000		-8,782,000	0
net proceeds from settlement (purchases) of bank-owned life insurance policies	4,233,000				760,000				0	846,000	2,514,000		1,393,000				830,000	2,480,000	3,784,000
net increase in premises, equipment and software	-7,070,000	-6,532,000	-8,158,000	-11,768,000	-15,848,000	-10,046,000	-18,490,000	-11,650,000	-7,854,000	-6,184,000	-6,519,000	-8,618,000	-10,227,000	-8,598,000	-2,662,000	-5,958,000	-7,577,000	-8,392,000	-4,027,000
proceeds from sales of other real estate and other assets held for sale	1,840,000	0	2,534,000	1,585,000	747,000
net cash from investing activities	127,201,000	-828,708,000	-181,742,000	326,762,000	-240,277,000	169,430,000	-78,344,000	276,339,000	1,025,644,000	-285,566,000	-692,451,000	-1,161,694,000	-1,722,078,000	-937,645,000	-1,034,065,000	-1,283,033,000	-1,433,542,000	-38,067,000	-1,629,524,000	870,565,000	-51,131,000	-1,868,375,000	-1,304,032,000	-648,375,000	-446,122,000	-469,640,000	-247,237,000	-175,050,000	-158,084,000	-268,433,000	-300,586,000	-378,492,000		352,862,000	-389,253,000	171,403,000	-461,631,000
financing activities
net increase in deposits	77,666,000	-923,192,000	-258,749,000	905,813,000	-17,518,000	-387,335,000	-157,277,000	518,957,000	122,263,000	146,923,000	1,070,206,000	1,177,881,000	-1,319,613,000	381,274,000	-771,032,000	1,738,857,000	516,457,000	-196,989,000	677,380,000	2,025,411,000	470,919,000	4,367,530,000	1,420,659,000	434,677,000	286,555,000	-9,174,000
net increase in federal funds purchased, securities sold under repurchase agreements, and other short-term borrowings	-22,860,000
repayments and redemption of long-term debt				-775,000,000	-275,000,000			-783,505,000	-1,316,626,000			-300,000,000	0	0	-400,000,000					-632,026,000	-700,154,000	-824,855,000	-251,904,000		0	100,000,000	-200,022,000	-2,130,030,000
proceeds from long-term debt	0	1,800,000,000	350,000,000	496,791,000	0	1,050,000,000	100,000,000	0	0	2,200,000,000	1,020,912,000
dividends paid to common shareholders	-54,124,000	-54,736,000	-53,657,000	-53,958,000	-54,798,000	-55,639,000	-55,733,000	-55,558,000	-55,536,000	-55,502,000	-49,465,000	-49,439,000	-49,416,000	-49,442,000	-47,851,000	-48,099,000	-48,651,000	-49,093,000	-48,834,000	-48,614,000	-48,612,000	-48,592,000	-44,149,000	-28,966,000	-29,204,000	-29,510,000	-29,675,000	-17,835,000	-14,688,000	-14,722,000	-14,946,000	-15,069,000	-9,724,000	-9,722,000	-9,105,000	-7,876,000	-7,865,000
dividends paid to preferred shareholders	-11,404,000	-11,395,000	-11,323,000	-11,577,000	-9,721,000	-9,713,000	-9,685,000	-9,746,000	-9,623,000	-8,290,000	-8,291,000	-8,291,000	-8,291,000	-8,290,000	-8,291,000	-8,291,000	-8,291,000	-8,290,000	-8,291,000	-8,291,000	-8,291,000	-13,431,000	-3,150,000	-3,150,000	-3,150,000	-5,709,000	-2,560,000	-2,559,000	-2,560,000	-2,559,000	-2,560,000	-2,559,000		-9,544,000	-12,099,000	-12,098,000	-12,099,000
repurchases of common stock	17,000	-21,437,000	-120,849,000		-100,891,000	-91,740,000	-30,015,000						0	-3,316,000	-9,671,000		-74,635,000														-60,562,000	-110,985,000
issuances, net of taxes paid, under equity compensation plans	-329,000	-3,000	-14,610,000	2,749,000	3,248,000	589,000	-9,091,000	9,157,000	-740,000	129,000	-6,606,000	431,000	131,000	570,000	-3,955,000	3,333,000	-67,000	1,932,000	6,368,000
net cash from financing activities	-911,034,000	791,562,000	-157,914,000	552,794,000	-457,645,000	-577,531,000	26,342,000	-228,757,000	-1,244,475,000	-1,385,342,000	1,725,631,000	691,011,000	1,524,986,000	1,019,540,000	-603,617,000	1,654,792,000	451,470,000	-443,819,000	684,643,000	1,171,597,000	-209,361,000	2,518,517,000	1,921,187,000	628,228,000	430,691,000	229,768,000	124,471,000	225,698,000	46,492,000	130,775,000	215,683,000	272,961,000	-6,031,000	-452,831,000	289,433,000	-552,511,000	291,065,000
increase in cash and cash equivalents including restricted cash	-578,109,000	146,083,000	-287,754,000	1,140,375,000	-440,996,000	-128,892,000	-27,926,000	313,795,000	83,480,000	-1,311,249,000	1,387,620,000	109,976,000	202,744,000	111,557,000	-1,456,350,000	322,433,000	-575,256,000	-65,590,000	-924,651,000	2,267,554,000	414,138,000	-252,609,000	636,916,000	122,361,000	131,631,000	-79,855,000	32,771,000	126,084,000
cash, cash equivalents, and restricted cash, at beginning of period	0	0	2,993,987,000		0	0	2,451,426,000		0	0	1,977,780,000		0	0	3,009,853,000		0	0	4,252,917,000
cash, cash equivalents, and restricted cash at end of period	-578,109,000	146,083,000	2,706,233,000		-440,996,000	-128,892,000	2,423,500,000		83,480,000	-1,311,249,000	3,365,400,000		202,744,000	111,557,000	1,553,503,000		-575,256,000	-65,590,000	3,328,266,000
supplemental disclosures:
income taxes paid	36,179,000	31,444,000	30,303,000	13,751,000	4,556,000	163,000	28,798,000	9,671,000	2,094,000	5,831,000	52,157,000	36,124,000	51,466,000	41,597,000	46,493,000	53,492,000	35,440,000	66,777,000	48,505,000	42,575,000	67,996,000	-663,000	920,000	1,050,000		1,721,000
interest paid	330,751,000	319,109,000	327,399,000	336,445,000	400,215,000	345,251,000	385,188,000	332,498,000	302,306,000	271,477,000	206,624,000	130,599,000	59,111,000	25,052,000	27,278,000	24,034,000	30,117,000	32,173,000	46,599,000	51,236,000	73,359,000	85,347,000	109,340,000	95,630,000		41,298,000	47,453,000	33,431,000					35,959,000	29,118,000	28,197,000	28,017,000	-246,706,000
non-cash activities
loans foreclosed and transferred to other real estate	21,357,000	635,000	403,000	0	0	782,000	21,210,000									11,444,000	163,000	81,000	720,000	0	150,000	62,000	1,951,000	1,419,000		3,719,000	4,154,000	3,407,000					12,568,000	21,019,000	22,046,000	29,789,000
investment securities transferred from available for sale to held to maturity				0	0
net increase in federal funds purchased and securities sold under repurchase agreements			-48,726,000	37,673,000	-429,000	-33,760,000	-60,830,000	90,804,000	14,886,000	-112,311,000	49,107,000	-93,622,000	-105,032,000	-155,882,000	236,991,000	1,585,000	67,761,000	-98,872,000	65,737,000	25,577,000	-23,231,000	-87,200,000	147,086,000	47,552,000	46,547,000	-16,435,000	22,049,000	24,341,000	-35,326,000	-52,154,000	43,200,000	26,954,000				36,980,000
net increase in other short-term borrowings				0	-2,536,000	-249,933,000	248,973,000	1,134,000	901,000	-251,691,000	-350,232,000	-11,148,000	359,514,000	-145,374,000	400,192,000
proceeds from sales of loans held for sale																				1,278,660,000	612,396,000
loss on sales of loans								0
other								-4,497,000	-2,455,000			0	0	0	677,000																		1,269,000	-1,092,000	-9,107,000	10,656,000	16,191,000
net cash received (paid) for business combination and divestiture								0
purchases of loans								0	0			0	-152,908,000	-180,232,000	-181,335,000	-129,258,000	-453,322,000	-434,617,000	-606,985,000
net (purchases) proceeds from settlement of bank-owned life insurance policies																				5,723,000	1,250,000	669,000	-249,942,000
repurchase of common stock																				0	0	0	-16,246,000	-320,167,000	-40,268,000	-57,994,000	-50,077,000	-26,733,000
cash, cash equivalents, and restricted cash at beginning of year
cash, cash equivalents, and restricted cash at end of year
non-cash activities:
settlement of acquired debt								0	0
net cash received in business combination, net of cash paid																								201,100,000
proceeds from sales of loans										82,627,000	1,505,000	6,625,000	16,029,000	7,562,000	39,568,000	5,415,000	19,103,000	65,115,000	21,535,000	133,588,000	1,275,397,000	6,161,000	11,808,000	13,654,000	7,461,000	1,500,000	3,069,000	10,885,000						474,000	34,551,000	40,334,000
loans transferred (from) to other loans held for sale										3,799,000	424,104,000
loans transferred to (from) loans held for sale at fair value
premises and equipment transferred to other assets held for sale												4,796,000	5,995,000	1,660,000	11,712,000		18,861,000						4,681,000			0
proceeds from issuance of long-term debt													2,647,693,000							197,051,000	0	0	1,248,441,000	297,045,000	0	0	0	2,280,000,000	175,000,000	300,000,000	400,000,000	1,000,000,000	155,000,000	150,768,000			200,000,000
securities purchased during the period but settled after period-end																		-4,904,000	53,699,000				113,818,000
loans transferred (from) to other loans held for sale at fair value													-4,469,000	-8,331,000	-1,055,000
net purchases of federal reserve bank stock																-10,000	-256,000			-204,000	0
proceeds from issuance of preferred stock
common stock issued, treasury stock reissued, equity awards/warrants exchanged to acquire fcb																								1,625,688,000
(reversal of) benefit from credit losses																	-7,868,000	-24,598,000	-18,575,000
investment securities losses (gains)																	-962,000	0	1,990,000
goodwill impairment
net decrease (increase) in loans																	310,574,000	923,000,000	5,084,000
net decrease in other short-term borrowings																	0	0	-7,717,000
securities sold during the period but settled after period end
dividends declared on common stock during the period but paid after period-end																	-552,000	-442,000	49,093,000		2,000	14,000	48,598,000	47,235,000		-299,000	-165,000	29,675,000
dividends declared on preferred stock during the period but paid after period-end																	0	0	5,141,000		0	0	5,141,000
loans transferred to other loans held for sale at fair value																							11,893,000					5,233,000					6,525,000	30,617,000	41,008,000	46,181,000
adjustments to reconcile net income to net cash (used) provided by operating activities:
decrease (increase) in other assets																			17,437,000					21,634,000												14,888,000
net purchases of federal home loan bank stock																			-1,200,000
securities sold during the period but settled after period-end																							169,748,000
benefit from credit losses																				11,066,000	43,383,000	141,851,000	158,722,000
deferred income tax (benefit) expense																				-25,759,000	-5,692,000	-43,763,000	-10,978,000
net redemptions (purchases) of federal home loan bank stock																				32,938,000	25,500,000
proceeds from issuance (redemption) of preferred stock
loans transferred to loans held for sale at fair value																				3,643,000	-887,175,000
dividends declared on common stock during the year but paid after year-end
dividends declared on preferred stock during the year but paid after year-end
loss on early extinguishment of debt																					153,000	0	1,904,000						0	0	0	4,735,000
proceeds from sales of equity securities																					0
proceeds from sales of other real estate and other assets																					7,831,000	1,826,000	8,547,000	6,273,000	4,178,000	1,939,000
net increase in premises and equipment																					-2,600,000	-13,245,000	-6,941,000	-9,209,000	-14,125,000	-12,254,000	-17,568,000	-9,212,000	-9,826,000	-7,722,000	-8,939,000	-7,830,000
net change in other short-term borrowings																					100,000,000	-875,000,000	-578,560,000	203,000,000
stock options and warrants exercised																					32,000	212,000	6,267,000	6,649,000		181,000
taxes paid related to net share settlement of equity awards																					-24,000	-147,000	-7,257,000	-8,412,000	-93,000	-131,000	-52,000	-8,228,000
cash, cash equivalents, restricted cash, and restricted cash equivalents at beginning of period																					0	0	1,186,918,000	1,143,564,000		0	0	932,933,000
cash, cash equivalents, restricted cash, and restricted cash equivalents at end of period																					414,138,000	-252,609,000	1,823,834,000	1,265,925,000		-79,855,000	32,771,000	1,059,017,000
originations of mortgage loans held for sale																							-254,395,000	-120,207,000	-113,542,000	-143,461,000	-157,452,000	-128,618,000	-192,822,000	-192,268,000	-181,609,000	-138,695,000	-92,105,000	-209,495,000	-293,852,000	-246,090,000	-333,661,000
proceeds from sales of mortgage loans held for sale																							259,224,000	104,552,000	116,021,000	162,476,000	156,370,000	130,805,000	238,022,000	187,504,000	160,509,000	138,677,000	107,166,000	271,397,000	308,586,000	313,365,000	368,245,000
gain on sales of mortgage loans held for sale																							-9,497,000	-3,534,000	-2,405,000	-3,688,000	-2,753,000	-3,445,000	-2,952,000	-3,882,000	-3,522,000	-3,424,000		-2,758,000	-4,085,000	-3,946,000
investment securities gains																							-8,734,000	-75,000					-5,885,000	-59,000	0	-67,000	-374,000			-45,000
benefit from loan losses																								23,569,000	12,149,000	14,982,000	11,790,000	12,776,000					14,064,000	6,761,000	13,077,000	35,696,000	146,526,000
investment securities losses																										0
net increase in loans excluding loans acquired in business combination																								-423,514,000		-460,297,000
proceeds from settlement (purchases) of bank-owned life insurance policies
redemption of preferred stock
earnout payment
cash, cash equivalents, restricted cash, and restricted cash equivalents at beginning of year
cash, cash equivalents, restricted cash, and restricted cash equivalents at end of year
decrease in other liabilities																								-27,776,000									-2,639,000	12,094,000
net redemptions (purchases) of federal reserve bank stock																								1,285,000
purchases of bank-owned life insurance policies, net of settlements																								656,000				1,523,000
loans transferred to/(from) other loans held for sale at fair value																								12,237,000
subtopic 825-10 equity investment securities available for sale transferred to other assets																										0
net cash received in acquisition																																	0	0
net increase in loans including purchases of loans
net proceeds from issuance of series d preferred stock
redemption of series c preferred stock
stock options exercised																												1,240,000	2,174,000	946,000	1,579,000	456,000	255,000	655,000	83,000	51,000
proceeds from settlements of bank-owned life insurance policies																										0
proceeds from issuance of series d preferred stock
proceeds from sales of other real estate																												2,090,000		9,133,000	5,484,000	10,798,000		27,633,000	32,099,000	17,436,000
proceeds from sales of other assets held for sale																														5,377,000				167,000	375,000	543,000
net increase in demand and savings deposits																												-216,836,000	458,062,000	459,047,000	484,505,000	110,837,000	166,529,000	135,329,000	215,338,000	-631,934,000	248,430,000
net increase in certificates of deposit																												322,338,000			-8,746,000	96,212,000		127,824,000	-122,655,000	136,083,000
supplemental cash flow information
cash paid during the period for:
income tax payments																												183,000
asu 2014-09 cumulative effect adjustment to opening balance of retained earnings																												-685,000
equity investment securities available for sale transferred to other assets at fair value																												3,162,000
decrease in trading account assets																													-115,000	-6,308,000	3,800,000	296,000				2,062,000
losses and write-downs on other real estate																													1,980,000	2,105,000	3,991,000	2,098,000	2,794,000	8,400,000
decrease in fair value of private equity investments
losses and write-downs on other assets held for sale																													796,000	-697,000	6,632,000	1,270,000
net decrease (increase) in interest earning deposits with banks																																		5,954,000
net decrease (increase) in federal funds sold and securities purchased under resale agreements
net decrease (increase) in interest bearing funds with federal reserve bank																																				165,878,000
purchases of bank-owned life insurance policies
repayments on long-term debt																													-533,582,000	-275,039,000	-625,000,000	-830,067,000
restricted stock activity																													-393,000	-43,000	-1,787,000	-2,818,000	-23,000	-2,060,000	0	-1,481,000
increase in cash and cash equivalents																													27,833,000	-9,992,000							160,602,000
cash and cash equivalents at beginning of period																														0	0	367,092,000		0	0	614,630,000
cash and cash equivalents at end of period																														-9,992,000	25,274,000	352,060,000		86,207,000	16,182,000	412,305,000
provision for loan losses																													6,259,000	5,671,000	6,693,000	9,377,000
decrease in other assets
gain on sale of memphis branches
net cash received (used) in acquisitions/dispositions
net decrease in interest earning deposits with banks																																-4,299,000				1,552,000
net decrease in federal funds sold and securities purchased under resale agreements																													13,693,000	5,932,000			-798,000	8,459,000
net decrease in interest bearing funds with federal reserve bank																																	321,907,000	482,142,000
proceeds from sale of other real estate																																					41,354,000
purchase of federal reserve bank capital stock
purchase of bank-owned life insurance policies
proceeds from sale of other assets held for sale
repurchases and agreements to repurchase shares of common stock																													0
cash and cash equivalents at beginning of year
cash and cash equivalents at end of year
mortgage loans held for sale transferred to loans at fair value																																	243,000	0			417,000
premises and equipment transferred to other properties held for sale
investment securities available for sale transferred to trading account assets at fair value
dispositions/acquisitions:
fair value of non-cash assets acquired																																	0	0
fair value of liabilities assumed																																	0	0
fair value of common stock issued
net increase in interest earning deposits with banks																														6,166,000
net increase in interest bearing funds with federal reserve bank																														-81,370,000	4,121,000	-78,640,000
proceeds from sales of loans and principal repayments on other loans held for sale																														694,000	3,480,000	4,259,000
purchases of boli policies
net decrease in certificates of deposit
(increase) in other assets																																-39,363,000
net increase in federal funds sold and securities purchased under resale agreements																																-6,481,000				-9,361,000
decrease in cash and cash equivalents																																-15,032,000				-202,325,000
decrease in interest receivable																																	-2,050,000	3,753,000	2,009,000	2,467,000	2,825,000
decrease in interest payable																																	74,000	-327,000			153,000
gain on sale of mortgage loans held for sale
increase in accrued salaries and benefits																																	-2,060,000				264,000
gain on sale of other loans held for sale
decrease (increase) in fair value of private equity investments																																	2,107,000	-284,000	883,000	257,000
gain on other assets held for sale
write downs of other assets held for sale
increase in accrual for visa indemnification																																	799,000	0	764,000	37,000
share-based compensation																																					2,426,000
proceeds from sale of loans
principal repayments by borrowers on other loans held for sale																																	31,000	3,632,000	272,000	62,000
purchases of premises and equipment																																	-6,598,000			-6,374,000	-13,080,000
proceeds from disposals of premises and equipment																																	-73,000	3,151,000	17,000	4,000	200,000
net cash (used) provided by investing activities
principal repayments on long-term debt																																	-6,140,000	-150,624,000	-78,498,000	-72,309,000	-126,710,000
transfer of funds to dividend payment agent
dividends paid on series c preferred stock
dividends paid on series a preferred stock
proceeds from issuance of series c preferred stock, net of issuance costs
redemption of series a preferred stock																																	0
proceeds from issuance of common stock, net of issuance costs
excess tax benefit from share-based compensation																																	6,000
cash paid (received) during the period for:
income tax payments (refunds)																																	908,000	232,000	-35,238,000	36,675,000
decrease in net unrealized gains on available for sale securities, net of income taxes																																	-11,768,000	3,521,000	-36,440,000	-1,360,000
net change related to cash flow hedges, net of income taxes
net change in post-retirement unfunded health benefit, net of income taxes
other loans held for sale transferred to loans at fair value																																	0	0	0	1,235,000
other loans held for sale foreclosed and transferred to other real estate at fair value																																	0	1,851,000	0	1,395,000	0
premises and equipment transferred to other assets held for sale at fair value																																	5,764,000	288,000	166,000	36,000
write down to fair value for other loans held for sale
impairment loss on available for sale securities
accretion of discount for series a preferred stock
settlement of prepaid common stock purchase contracts																																	0	0
acquisition:
increase in trading account assets																																		5,706,000
losses on sales of other loans held for sale																																				165,000
net increase in federal funds purchased, securities sold under repurchase agreements, and other short-term liabilities																																		-28,320,000
proceeds from issuance of series c preferred stock
proceeds from issuance of common stock
cash paid (received) paid during the period for:
decrease (increase) in net unrealized losses on hedging instruments, net of income taxes
accretion of discount on series a preferred stock																																		5,145,000	2,720,000	2,678,000
amortization of post-retirement unfunded health benefit, net of income taxes																																		-44,000
securities purchased (sold) during the period but settled after period-end
gain on sales of premises and equipment																																			-610,000	603,000
decrease in accrued salaries and benefits
investment securities (gains)
losses (gains) on sales of other loans held for sale
(gains) on sales of other assets held for sale
write-downs on other assets held for sale																																			0	170,000
net (increase) in loans
purchases of premises and equipment, net of disposals
decrease (increase) in net unrealized gains on hedging instruments, net of income taxes																																			67,000	69,000
increase in interest payable																																				-2,109,000
(decrease) in accrued salaries and benefits																																				-12,090,000
losses on other real estate																																				8,783,000	31,245,000
gains on sales of other assets held for sale																																				-27,000
net decrease in loans																																				41,739,000
excess tax benefit from share-based payment arrangements																																				73,000
(gain) loss on sale of other loans held for sale
gain on sale of merchant services business
gain on curtailment of post-retirement health benefit
net decrease in federal funds sold and securities purchased under repurchase agreements
proceeds from sale of merchant services business
purchase of treasury shares
proceeds from issuance of prepaid common stock purchase contracts
income tax refunds
non-cash investing activities
(decrease) in unrealized gains net of unrealized losses on available for sale securities
decrease in unrealized gains net of unrealized losses on hedging instruments
amortization of post-retirement unfunded health benefit																																					-26,000
loans and other loans held for sale foreclosed and transferred to other real estate
gains on sale of mortgage loans held for sale
increase in prepaid and other assets
increase in fair value of private equity investments
losses (gains) on sales of other assets held for sale
write downs on other assets held for sale
loss on curtailment of post-retirement health benefit plan
proceeds from sales of other loans held for sale
principal payments on other loans held for sale
net (decrease) in certificates of deposit
net (decrease) in federal funds purchased and securities sold under repurchase agreements
cash (received) paid during the period for:
income tax (refunds) payments
decrease in net unrealized gains on investment securities available for sale
decrease in net unrealized gains on hedging instruments
loans foreclosed and transferred to other real estate at fair value
loans transferred to other loans held for sale, at fair value
other loans held for sale transferred to loans
securities purchased (sold) during the period but settled after period end
accretion of discount for preferred stock issued to the u. s. treasury

Synovus Financial Corp(NYSE:SNV)

Synovus Financial Corp
(NYSE:SNV)