Synovus Financial Financials


Synovus Financial has total assets of $34,666 million and year-to-date net operating income of $58 million. Synovus Financial financials obtained from the Federal Deposit Insurance Corporation (FDIC). Financial data is updated quarterly in Call Reports or Thrift Financial Reports filed by the bank. Data last updated on December 1, 2008 for the period ending on September 30, 2008.	Profile Financials Chargeoff Statistics Delinquency Statistics Assets Securitized and Sold Performance and Condition Ratios

			All Banks

Assets	$ (millions)	% of Assets	$ (millions)	% of Assets
Loans Secured by Real Estate	21,698	62.59%	4,750,985	34.90%
1-4 Family Residential Mortgages	4,849	13.99%	2,754,199	20.23%
First Lien	2,831	8.17%	1,864,576	13.70%
Second Lien	319	0.92%	237,504	1.74%
Home Equity Lines	1,699	4.90%	652,119	4.79%
Multifamily Residential	492	1.42%	205,193	1.51%
Nonfarm Residential	7,007	20.21%	1,043,393	7.66%
Construction and Development	9,139	26.36%	617,055	4.53%
Farmland Loans	212	0.61%	62,138	0.46%
Loans Held in Foreign Offices	0	0.00%	69,008	0.51%
Commericial and Industrial Loans	4,690	13.53%	1,510,091	11.09%
Loans to Individuals	655	1.89%	1,082,731	7.95%
Credit Cards	291	0.84%	411,627	3.02%
Farm Loans	62	0.18%	59,656	0.44%
Other Loans and Leases	688	1.98%	595,646	4.38%
Less: Unearned Income	18	0.05%	2,741	0.02%
Total Loans and Leases	27,776	80.12%	8,000,084	58.77%
Less: Reserve for Losses	464	1.34%	156,065	1.15%
Net Loans and Leases	27,312	78.79%	7,844,019	57.62%
Securities	3,703	10.68%	2,027,739	14.90%
Other Real Estate Owned	215	0.62%	22,966	0.17%
Goodwill and Intangibles	480	1.39%	484,178	3.56%
All Other Assets	2,956	8.53%	3,207,062	23.56%
Total Assets	$34,666	100.00%	$13,613,150	100.00%

			All Banks

Liabilities and Capital	$ (millions)	% of Assets	$ (millions)	% of Assets
Deposits	27,898	80.48%	8,749,418	64.27%
Domestic Deposits	27,414	79.08%	7,230,058	53.11%
Transaction Accounts	1,995	5.75%	809,200	5.94%
Nontransaction Accounts	25,419	73.32%	6,420,965	47.17%
Money Market	11,926	34.40%	2,798,868	20.56%
Other Savings Accounts	962	2.78%	841,348	6.18%
Time Deposits	12,531	36.15%	2,773,205	20.37%
Foreign Deposits	484	1.40%	1,519,360	11.16%
Federal Funds Purchased	1,166	3.36%	936,578	6.88%
Trading Liabilities	70	0.20%	356,967	2.62%
Subordinated Debt	0	0.00%	176,833	1.30%
Other Borrowed Funds	1,498	4.32%	1,684,829	12.38%
All Other Liabilities	279	0.80%	401,428	2.95%
Equity Capital	3,755	10.83%	1,307,097	9.60%
Total Liabilities and Capital	$34,666	100.00%	$13,613,150	100.00%

			All Banks

Income Data (2008 YTD)	$ (millions)	% of Assets*	$ (millions)	% of Assets*
Total Interest Income	1,429	5.50%	487,019	4.77%
Total Interest Expense	604	2.32%	207,949	2.04%
Net Interest Income	826	3.18%	279,070	2.73%
Provision for Loan and Lease Losses	336	1.29%	124,517	1.22%
Total Noninterest Income	196	0.76%	175,521	1.72%
Total Noninterest Expense	587	2.26%	274,323	2.69%
Salaries and Benefits	269	1.03%	122,518	1.20%
Premises and Equipment Expense	61	0.24%	33,971	0.33%
Additional Noninterest Expense	257	0.99%	117,834	1.15%
Securities Gains (Losses)	-1	-0.00%	-8,037	-0.08%
Applicable Income Taxes	41	0.16%	15,679	0.15%
Extraordinary Gains, Net	0	0.00%	534	0.01%
Net Income	57	0.22%	32,569	0.32%
Cash Dividends, Net	313	1.20%	42,592	0.42%
Retained Earnings	-256	-0.98%	-10,023	-0.10%
Net Operating Income	$58	0.22%	$37,457	0.37%

* Annualized

Bank Spider