EXHIBIT 99.2

SYNOVUS	4 of 11
INCOME STATEMENT		Nine Months Ended
(In thousands, except per share data)		September 30,
		2005		2004	Change
Interest Income (Taxable Equivalent)	$	1,081,766		851,961	27.0	%
Interest Expense		368,141		210,061	75.3
Net Interest Income (Taxable Equivalent)		713,625		641,900	11.2
Tax Equivalent Adjustment		4,873		5,257	(7.3)
Net Interest Income		708,752		636,643	11.3
Provision for Loan Losses		61,745		54,464	13.4
Net Interest Income After Provision		647,007		582,179	11.1
Non-Interest Income:
Electronic Payment Processing Services		644,070		558,138	15.4
Merchant Services		170,009		19,758	nm
Other Transaction Processing Services Revenue		137,868		125,683	9.7
Service Charges on Deposits		84,050		91,129	(7.8)
Fiduciary and Asset Management Fees		33,342		31,676	5.3
Brokerage and Investment Banking Revenue		17,871		16,387	9.1
Mortgage Banking Income		21,604		19,527	10.6
Credit Card Fees		26,946		21,389	26.0
Securities Gains (Losses)		598		(89)	nm
Other Fee Income		23,537		21,573	9.1
Other Non-Interest Income		28,908		55,004	(47.4)
Non-Interest Income before Reimbursable Items		1,188,803		960,175	23.8
Reimbursable Items		227,975		172,499	32.2
Total Non-Interest Income		1,416,778		1,132,674	25.1
Non-Interest Expense:
Personnel Expense		612,120		556,210	10.1
Occupancy & Equipment Expense		274,245		244,650	12.1
Other Non-Interest Expense		315,922		216,921	45.6
Non-Interest Expense before Reimbursable Items		1,202,287		1,017,781	18.1
Reimbursable Items		227,975		172,499	32.2
Total Non-Interest Expense		1,430,262		1,190,280	20.2
Minority Interest in Consolidated Subsidiaries		27,810		20,581	35.1
Income Before Taxes		605,713		503,992	20.2
Income Tax Expense		226,527		185,681	22.0
Net Income	$	379,186		318,311	19.1
Basic Earnings Per Share	$	1.22		1.04	17.3
Diluted Earnings Per Share		1.20		1.03	17.1
Dividends Declared Per Share		0.55		0.52	5.3
Return on Assets		1.95	%	1.86	9	bp
Return on Equity		18.35		17.52	83
Average Shares Outstanding - Basic		311,204		306,435	1.6	%
Average Shares Outstanding - Diluted		314,648		309,348	1.7
bp – change is measured as difference in basis points.
nm – not meaninful

Synovus												5 of 11
INCOME STATEMENT
(In thousands, except per share data)		2005				2004						3rd Quarter
		Third		Second		First		Fourth		Third		'05 vs. '04
		Quarter		Quarter		Quarter		Quarter		Quarter		Change
Interest Income (Taxable Equivalent)	$	388,076		360,763		332,927		314,019		301,457		28.7	%
Interest Expense		141,587		122,110		104,444		88,281		76,313		85.8
Net Interest Income (Taxable Equivalent)		246,489		238,653		228,483		225,738		225,144		9.5
Tax Equivalent Adjustment		1,664		1,588		1,621		1,703		1,710		(2.7)
Net Interest Income		244,825		237,065		226,862		224,035		223,434		9.6
Provision for Loan Losses		19,639		22,823		19,283		20,855		21,192		(7.3)
Net Interest Income After Provision		225,186		214,242		207,579		203,180		202,242		11.3
Non-Interest Income:
Electronic Payment Processing Services		223,123		215,784		205,163		197,129		197,822		12.8
Merchant Services		74,208		68,696		27,105		6,411		6,518		nm
Other Transaction Processing Services Revenue		44,030		45,324		48,514		45,224		43,006		2.4
Service Charges on Deposits		28,748		28,175		27,127		30,321		31,344		(8.3)
Fiduciary and Asset Management Fees		11,167		11,138		11,037		11,326		10,622		5.1
Brokerage and Investment Banking Revenue		5,801		5,807		6,263		5,361		5,012		15.7
Mortgage Banking Income		8,276		7,430		5,898		6,773		6,861		20.6
Credit Card Fees		9,563		9,291		8,092		8,775		8,014		19.3
Securities Gains (Losses)		-		327		271		164		(24)		nm
Other Fee Income		8,217		7,834		7,486		7,654		7,451		10.3
Other Non-Interest Income		12,599		7,325		8,984		12,162		11,357		10.9
Non-Interest Income before Reimbursable Items		425,732		407,131		355,940		331,300		327,983		29.8
Reimbursable Items		79,644		79,161		69,170		57,039		56,309		41.4
Total Non-Interest Income		505,376		486,292		425,110		388,339		384,292		31.5
Non-Interest Expense:
Personnel Expense		213,695		208,596		189,829		175,369		194,624		9.8
Occupancy & Equipment Expense		98,772		88,839		86,634		77,039		80,073		23.4
Other Non-Interest Expense		113,300		110,015		92,607		88,639		74,699		51.7
Non-Interest Expense before Reimbursable Items		425,767		407,450		369,070		341,047		349,396		21.9
Reimbursable Items		79,644		79,161		69,170		57,039		56,309		41.4
Total Non-Interest Expense		505,411		486,611		438,240		398,086		405,705		24.6
Minority Interest in Consolidated Subsidiaries		9,306		9,672		8,832		8,143		7,480		24.4
Income Before Taxes		215,845		204,251		185,617		185,289		173,349		24.5
Income Tax Expense		81,853		75,791		68,883		66,567		64,341		27.2
Net Income	$	133,992		128,460		116,734		118,722		109,008		22.9
Basic Earnings Per Share	$	0.43		0.41		0.38		0.38		0.35		22.0
Diluted Earnings Per Share		0.43		0.41		0.37		0.38		0.35		21.9
Dividends Declared Per Share		0.18		0.18		0.18		0.17		0.17		5.3
Return on Assets		2.01	%	1.98	%	1.86	%	1.91	%	1.82	%	19	bp
Return on Equity		18.77		18.70		17.52		17.92		17.00		177
Average Shares Outstanding - Basic		311,842		311,154		310,622		309,740		309,448		0.8	%
Average Shares Outstanding - Diluted		315,336		314,691		313,900		313,268		312,343		1.0
bp – change is measured as difference in basis points
nm – not meaningful

SYNOVUS						6 of 11
Financial Services Segment
	INCOME STATEMENT		Nine Months Ended
	(In thousands)		September 30,
			2005		2004	Change
	Interest Income (Taxable Equivalent)	$	1,081,783		851,954	27.0	%
	Interest Expense		370,538		210,556	76.0
	Net Interest Income (Taxable Equivalent)		711,245		641,398	10.9
	Tax Equivalent Adjustment		4,854		5,250	(7.5)
	Net Interest Income		706,391		636,148	11.0
	Provision for Loan Losses		61,745		54,464	13.4
	Net Interest Income After Provision		644,646		581,684	10.8
	Non-Interest Income:
	Service Charges on Deposits		84,049		91,129	(7.8)
	Fiduciary and Asset Management Fees		33,725		32,266	4.5
	Brokerage and Investment Banking Revenue		17,871		16,387	9.1
	Mortgage Banking Income		21,604		19,527	10.6
	Credit Card Fees		26,945		21,399	25.9
	Securities Gains (Losses)		598		(89)	nm
	Other Fee Income		23,538		21,572	9.1
	Other Non-Interest Income		34,105		44,329	(23.1)
	Total Non-Interest Income		242,435		246,520	(1.7)
	Non-Interest Expense:
	Personnel Expense		274,552		281,913	(2.6)
	Occupancy & Equipment Expense		65,972		60,851	8.4
	Other Non-Interest Expense		136,218		124,329	9.6
	Total Non-Interest Expense		476,742		467,093	2.1
	Income Before Taxes		410,339		361,111	13.6
	Income Tax Expense		148,341		130,047	14.1
	Net Income	$	261,998		231,064	13.4
	Return on Assets		1.41	%	1.41	-	bp
	Return on Equity		17.33		17.18	15
bp - change is measured as difference in basis points.
nm - not meaningful

SYNOVUS													7 of 11
Financial Services Segment
	INCOME STATEMENT
	(In thousands)		2005				2004						3rd Quarter
			Third		Second		First		Fourth		Third		'05 vs. '04
			Quarter		Quarter		Quarter		Quarter		Quarter		Change
	Interest Income (Taxable Equivalent)	$	388,067		360,789		332,927		314,009		301,458		28.7	%
	Interest Expense		142,582		122,768		105,188		88,933		76,502		86.4
	Net Interest Income (Taxable Equivalent)		245,485		238,021		227,739		225,076		224,956		9.1
	Tax Equivalent Adjustment		1,655		1,585		1,614		1,692		1,710		(3.2)
	Net Interest Income		243,830		236,436		226,125		223,384		223,246		9.2
	Provision for Loan Losses		19,639		22,823		19,283		20,855		21,192		(7.3)
	Net Interest Income After Provision		224,191		213,613		206,842		202,529		202,054		11.0
	Non-Interest Income:
	Service Charges on Deposits		28,748		28,175		27,127		30,321		31,344		(8.3)
	Fiduciary and Asset Management Fees		11,357		11,324		11,044		11,538		10,834		4.8
	Brokerage and Investment Banking Revenue		5,801		5,807		6,263		5,361		5,012		15.7
	Mortgage Banking Income		8,276		7,430		5,898		6,773		6,861		20.6
	Credit Card Fees		9,563		9,291		8,092		8,775		8,014		19.3
	Securities Gains (Losses)		-		327		271		164		(24)		nm
	Other Fee Income		8,216		7,834		7,487		7,654		7,451		10.3
	Other Non-Interest Income		15,259		10,457		8,389		10,335		7,207		nm
	Total Non-Interest Income		87,220		80,645		74,571		80,921		76,699		13.7
	Non-Interest Expense:
	Personnel Expense		93,084		90,721		90,747		82,601		93,631		(0.6)
	Occupancy & Equipment Expense		22,713		21,712		21,547		21,305		21,156		7.4
	Other Non-Interest Expense		45,356		45,320		45,541		50,677		42,764		6.1
	Total Non-Interest Expense		161,153		157,753		157,835		154,583		157,551		2.3
	Income Before Taxes		150,258		136,505		123,578		128,867		121,202		24.0
	Income Tax Expense		55,079		49,060		44,203		44,992		43,935		25.4
	Net Income	$	95,179		87,445		79,375		83,875		77,267		23.2
	Return on Assets		1.49	%	1.41	%	1.33	%	1.41	%	1.35	%	14	bp
	Return on Equity		18.34		17.41		16.19		17.09		16.20		214
bp - change is measured as difference in basis points.
nm - not meaningful

SYNOVUS						8 of 11
	BALANCE SHEET
	(In thousands, except share data)
				September 30, 2005	December 31, 2004	September 30, 2004
	ASSETS
	Cash and due from banks		$	879,838	683,035	757,380
	Interest earning deposits with banks			2,510	4,153	4,140
	Federal funds sold and securities purchased
	under resale agreements			150,853	135,471	122,130
	Trading account assets			26,069	-	-
	Mortgage loans held for sale			169,659	120,186	126,099
	Investment securities available for sale			2,821,018	2,695,593	2,621,120
	Loans, net of unearned income			20,904,677	19,480,396	18,871,056
	Allowance for loan losses			(283,557)	(265,745)	(257,647)
	Loans, net			20,621,120	19,214,651	18,613,409
	Premises and equipment, net			635,773	638,407	629,738
	Contract acquisition costs and computer software, net			470,733	401,074	364,382
	Goodwill, net			454,315	416,283	419,323
	Other intangible assets, net			47,033	41,628	43,819
	Costs in excess of billings and profits on uncompleted contracts			-	-	7,272
	Other assets			796,169	699,697	680,681
	Total assets		$	27,075,090	25,050,178	24,389,493
	LIABILITIES AND SHAREHOLDERS' EQUITY
	Liabilities:
	Deposits:
	Non-interest bearing		$	3,573,766	3,337,908	3,202,214
	Interest bearing			16,705,444	15,239,560	14,572,170
	Total deposits			20,279,210	18,577,468	17,774,384
	Federal funds purchased and securities sold
	under repurchase agreements			880,605	1,208,080	1,671,239
	Long-term debt			2,256,388	1,879,583	1,740,103
	Other liabilities			594,365	576,474	468,141
	Total liabilities			24,010,568	22,241,605	21,653,867
	Minority interest in consolidated subsidiaries			189,616	167,284	158,912
	Shareholders' equity:
	Common stock, par value $1.00 a share (1)			317,945	315,636	315,200
	Surplus			677,178	628,396	619,734
	Treasury stock (2)			(113,944)	(113,944)	(113,944)
	Unearned compensation			(2,593)	(106)	(146)
	Accumulated other comprehensive income (loss)			(14,663)	8,903	18,513
	Retained earnings			2,010,983	1,802,404	1,737,357
	Total shareholders' equity			2,874,906	2,641,289	2,576,714
	Total liabilities and shareholders' equity		$	27,075,090	25,050,178	24,389,493
	(1) Common shares outstanding: 312,283,129; 309,974,509; and 309,538,462 at September 30, 2005, December 31, 2004, and
		September 30, 2004, respectively.
	(2) Treasury shares: 5,661,538 at September 30, 2005, 5,661,538 at December 31, 2004, and 5,661,623 at September 30, 2004.

SYNOVUS								9 of 11
AVERAGE BALANCES AND YIELDS/RATES
(Dollars in thousands)
					2005		2004
			Third		Second	First	Fourth	Third
			Quarter		Quarter	Quarter	Quarter	Quarter
Interest Earning Assets
Taxable Investment Securities		$	2,611,048		2,556,964	2,553,423	2,408,960	2,382,319
	Yield		3.75	%	3.78	3.74	3.69	3.72
Tax-Exempt Investment Securities		$	215,096		220,109	223,812	229,190	233,271
	Yield		7.08	%	6.87	6.93	6.99	6.92
Trading Account Assets		$	19,143		-	-	-	-
	Yield		3.84	%	-	-	-	-
Commercial Loans		$	17,342,794		17,090,893	16,618,766	16,044,726	15,401,140
	Yield		6.83	%	6.47	6.15	5.84	5.78
Consumer Loans		$	840,746		833,071	846,743	948,273	958,540
	Yield		7.83	%	7.37	7.42	7.32	8.03
Mortgage Loans		$	1,015,396		1,022,169	1,026,532	954,078	936,240
	Yield		6.31	%	6.47	6.09	6.04	5.89
Credit Card Loans		$	253,985		249,491	246,523	244,839	233,610
	Yield		10.07	%	10.03	10.41	9.40	9.51
Home Equity Loans		$	1,149,255		1,100,010	1,037,214	973,604	890,867
	Yield		6.32	%	5.92	5.56	5.08	4.61
Allowance for Loan Losses		$	(281,505)		(278,734)	(270,853)	(262,711)	(252,370)
Loans, Net		$	20,320,671		20,016,900	19,504,925	18,902,809	18,168,027
	Yield		6.94	%	6.61	6.31	6.01	5.97
Mortgage Loans Held for Sale		$	137,116		108,929	87,538	103,594	112,502
	Yield		6.54	%	6.41	6.15	5.75	6.15
Federal Funds Sold and Time Deposits
with Banks		$	135,735		133,399	119,853	106,996	166,717
	Yield		3.54	%	3.10	2.45	2.06	1.24
Total Interest Earning Assets		$	23,438,809		23,036,301	22,489,551	21,751,549	21,062,836
	Yield		6.57	%	6.28	5.99	5.75	5.69
Interest Bearing Liabilities
Interest Bearing Demand Deposits		$	2,939,524		2,990,725	2,980,346	2,848,978	2,716,488
	Rate		1.25	%	1.12	0.96	0.72	0.60
Money Market Accounts		$	5,421,961		4,968,113	4,754,130	4,765,591	4,778,276
	Rate		2.75	%	2.31	1.90	1.51	1.23
Savings Deposits		$	561,550		568,279	556,629	547,026	555,969
	Rate		0.38	%	0.35	0.27	0.21	0.17
Time Deposits Under $100,000		$	2,318,085		2,249,590	2,197,788	2,194,194	2,209,883
	Rate		2.99	%	2.71	2.47	2.29	2.18
Time Deposits Over $100,000 (less brokered
time deposits)		$	2,700,297		2,534,846	2,392,957	2,329,295	2,284,772
	Rate		3.35	%	3.04	2.77	2.54	2.33
Total Interest Bearing Core Deposits			13,941,417		13,311,553	12,881,850	12,685,084	12,545,388
	Rate		2.50	%	2.16	1.87	1.60	1.41
Brokered Time Deposits		$	2,611,091		2,689,079	2,487,264	2,066,938	1,851,198
	Rate		3.52	%	3.21	2.94	2.60	2.38
Total Interest Bearing Deposits		$	16,552,508		16,000,632	15,369,114	14,752,022	14,396,586
	Rate		2.66	%	2.34	2.05	1.74	1.54
Federal Funds Purchased and Other
Short-Term Borrowings		$	687,055		1,255,755	1,541,396	1,488,555	1,422,598
	Rate		3.03	%	2.75	2.34	1.83	1.40
Long-Term Debt		$	2,302,328		1,981,235	1,877,158	1,821,889	1,747,788
	Rate		4.34	%	4.01	3.84	3.63	3.51
Total Interest Bearing Liabilities		$	19,541,891		19,237,622	18,787,668	18,062,466	17,566,972
	Rate		2.87	%	2.54	2.25	1.94	1.72
Non-Interest Bearing Demand Deposits		$	3,423,622		3,429,813	3,267,679	3,516,878	3,137,357
Shareholders' Equity		$	2,832,059		2,755,510	2,701,585	2,635,188	2,550,346
Total Assets		$	26,505,937		26,102,816	25,392,540	24,921,847	23,778,250
Net Interest Margin, before fees			4.04	%	4.01	3.98	3.98	3.90
Net Interest Margin, after fees			4.18	%	4.15	4.11	4.13	4.25

Synovus								10 of 11
	LOANS OUTSTANDING AND NONPERFORMING LOANS COMPOSITION
	(Dollars in thousands)
			September 30, 2005
				Loans as a %			Total	Nonperforming Loans
				of Total Loans			Nonperforming	as a % of Total
	Loan Type		Total Loans	Outstanding			Loans	Nonperforming Loans
	Commercial Real Estate
	Multi-Family	$	527,826	2.5	%	$	275	0.3	%
	Hotels		779,736	3.7			1,371	1.6
	Office Buildings		797,886	3.8			5,201	6.1
	Shopping Centers		641,620	3.1			-	-
	Commercial Development		821,660	3.9			85	0.1
	Other Investment Property		328,120	1.6			81	0.1
	Total Investment Properties		3,896,848	18.6			7,013	8.2
	1-4 Family Construction		1,414,675	6.8			1,089	1.3
	1-4 Family Perm / Mini-Perm		1,075,143	5.1			2,106	2.5
	Residential Development		1,345,662	6.4			7,973	9.3
	Total 1-4 Family Properties		3,835,480	18.3			11,168	13.1
	Land Acquisition		978,813	4.7			1,053	1.2
	Total Investment-Related Real Estate		8,711,141	41.7			19,234	22.5
	Owner-Occupied		2,443,318	11.7			11,210	13.1
	Other Property		1,302,379	6.2			6,529	7.6
	Total Commercial Real Estate		12,456,838	59.6			36,973	43.2
	Commercial & Industrial		5,185,634	24.8			39,899	46.6
	Consumer		3,306,529	15.8			8,699	10.2
	Unearned Income		(44,324)	(0.2)			-	-
	Total	$	20,904,677	100.0	%	$	85,571	100.0	%

LOANS OUTSTANDING BY TYPE COMPARISON
(Dollars in thousands)
		Total Loans		3Q05 vs. 2Q05				3Q05 vs. 3Q04
Loan Type		September 30, 2005	June 30, 2005	% change			September 30, 2004	% change
Commercial Real Estate
Multi-Family	$	527,826	526,820	0.2	%	$	563,195	(6.3)	%
Hotels		779,736	804,316	(3.1)			788,160	(1.1)
Office Buildings		797,886	786,262	1.5			724,883	10.1
Shopping Centers		641,620	628,701	2.1			565,994	13.4
Commercial Development		821,660	803,494	2.3			659,350	24.6
Other Investment Property		328,120	330,992	(0.9)			255,169	28.6
Total Investment Properties		3,896,848	3,880,585	0.4			3,556,751	9.6
1-4 Family Construction		1,414,675	1,372,556	3.1			1,093,713	29.3
1-4 Family Perm / Mini-Perm		1,075,143	1,087,763	(1.2)			828,892	29.7
Residential Development		1,345,662	1,219,186	10.4			985,318	36.6
Total 1-4 Family Properties		3,835,480	3,679,505	4.2			2,907,923	31.9
Land Acquisition		978,813	913,488	7.2			886,014	10.5
Total Investment-Related Real Estate		8,711,141	8,473,578	2.8			7,350,688	18.5
Owner-Occupied		2,443,318	2,335,195	4.6			2,180,811	12.0
Other Property		1,302,379	1,202,920	8.3			1,347,030	(3.3)
Total Commercial Real Estate		12,456,838	12,011,693	3.7			10,878,529	14.5
Commercial & Industrial		5,185,634	5,235,982	(1.0)			4,936,453	4.8
Consumer		3,306,529	3,275,924	0.9			3,086,455	7.1
Unearned Income		(44,324)	(43,765)	1.3			(40,381)	9.8
Total	$	20,904,677	20,479,834	2.1	%	$	18,871,056	10.8	%

Synovus										11 of 11
		CREDIT QUALITY DATA
	(Dollars in thousands)			2005				2004			3rd Quarter
				Third		Second	First	Fourth	Third		'05 vs. '04
				Quarter		Quarter	Quarter	Quarter	Quarter		Change
		Nonperforming Loans	$	85,571		79,511	77,308	80,456	79,776		7.3	%
		Other Real Estate		16,951		24,325	26,658	21,492	25,424		(33.3)
		Nonperforming Assets		102,522		103,836	103,966	101,948	105,200		(2.5)
		Allowance for Loan Losses		283,557		277,527	273,724	265,745	257,647		10.1
		Net Charge-Offs - Quarter		13,608		19,020	11,305	12,757	12,130		12.2
		Net Charge-Offs - YTD		43,933		30,325	11,305	41,249	28,492		54.2
		Net Charge-Offs / Average Loans - Quarter		0.26	%	0.37	0.23	0.27	0.26
		Net Charge-Offs / Average Loans - YTD		0.29		0.30	0.23	0.23	0.22
		Nonperforming Loans / Loans & ORE		0.41		0.39	0.39	0.41	0.42
		Nonperforming Assets / Loans & ORE		0.49		0.51	0.52	0.52	0.56
		Allowance / Loans		1.36		1.36	1.36	1.36	1.37
		Allowance / Nonperforming Loans		331.37		349.04	354.07	330.30	322.96
		Allowance / Nonperforming Assets		276.58		267.27	263.28	260.67	244.91
		Past Due Loans over 90 days		16,013		17,163	14,376	18,138	23,178
		As a Percentage of Loans Outstanding		0.08		0.08	0.07	0.09	0.12
		Total Past Dues		103,005		120,224	122,229	84,458	118,390
		As a Percentage of Loans Outstanding		0.49		0.59	0.61	0.43	0.63
		REGULATORY CAPITAL RATIOS (1)
		(Dollars in thousands)
				September 30, 2005		December 31, 2004	September 30, 2004
		Tier 1 Capital	$	2,598,877		2,369,332	2,279,733
		Total Risk-Based Capital		3,632,434		2,935,077	2,837,380
		Tier 1 Capital Ratio		10.18		10.04	9.96
		Total Risk-Based Capital Ratio		14.22		12.44	12.40
		Leverage Ratio		9.99		9.78	9.77
		(1) September 30, 2005 information is preliminary.