Exhibit 99.2

	SYNOVUS					4 of 11
	INCOME STATEMENT		Twelve Months Ended
	(In thousands, except per share data)		December 31,
			2005		2004	Change
	Interest Income (Taxable Equivalent)	$	1,502,664		1,165,980	28.9	%
	Interest Expense		527,378		298,341	76.8
	Net Interest Income (Taxable Equivalent)		975,286		867,639	12.4
	Tax Equivalent Adjustment		6,439		6,960	(7.5)
	Net Interest Income		968,847		860,679	12.6
	Provision for Loan Losses		82,532		75,319	9.6
	Net Interest Income After Provision		886,315		785,360	12.9
	Non-Interest Income:
	Electronic Payment Processing Services		867,914		755,267	14.9
	Merchant Services		237,418		26,169	nm
	Other Transaction Processing Services Revenue		183,412		170,905	7.3
	Service Charges on Deposits		112,788		121,450	(7.1)
	Fiduciary and Asset Management Fees		44,886		43,001	4.4
	Brokerage and Investment Banking Revenue		24,487		21,748	12.6
	Mortgage Banking Income		28,682		26,300	9.1
	Credit Card Fees		37,638		30,174	24.7
	Securities Gains (Losses)		463		75	nm
	Other Fee Income		32,914		29,227	12.6
	Other Non-Interest Income		35,597		67,157	(47.0)
	Non-Interest Income before Reimbursable Items		1,606,199		1,291,473	24.4
	Reimbursable Items		312,280		229,538	36.0
	Total Non-Interest Income		1,918,479		1,521,011	26.1
	Non-Interest Expense:
	Personnel Expense		836,371		731,579	14.3
	Occupancy & Equipment Expense		368,210		321,689	14.5
	Other Non-Interest Expense		426,530		305,560	39.6
	Non-Interest Expense before Reimbursable Items		1,631,111		1,358,828	20.0
	Reimbursable Items		312,280		229,538	36.0
	Total Non-Interest Expense		1,943,391		1,588,366	22.4
	Minority Interest in Consolidated Subsidiaries		37,381		28,724	30.1
	Income Before Taxes		824,022		689,281	19.5
	Income Tax Expense		307,576		252,248	21.9
	Net Income	$	516,446		437,033	18.2
	Basic Earnings Per Share	$	1.66		1.42	16.6
	Diluted Earnings Per Share		1.64		1.41	16.5
	Dividends Declared Per Share		0.73		0.69	5.3
	Return on Assets		1.96	%	1.88	8	bp
	Return on Equity		18.45		17.63	82
	Average Shares Outstanding - Basic		311,495		307,262	1.4	%
	Average Shares Outstanding - Diluted		314,815		310,330	1.4
bp - change is measured as difference in basis points.
nm - not meaningful

	SYNOVUS												5 of 11
	INCOME STATEMENT
	(In thousands, except per share data)		2005								2004		4th Quarter
			Fourth		Third		Second		First		Fourth		'05 vs. '04
			Quarter		Quarter		Quarter		Quarter		Quarter		Change
	Interest Income (Taxable Equivalent)	$	420,898		388,076		360,763		332,927		314,019		34.0	%
	Interest Expense		159,237		141,587		122,110		104,444		88,281		80.4
	Net Interest Income (Taxable Equivalent)		261,661		246,489		238,653		228,483		225,738		15.9
	Tax Equivalent Adjustment		1,566		1,664		1,588		1,621		1,703		(8.1)
	Net Interest Income		260,095		244,825		237,065		226,862		224,035		16.1
	Provision for Loan Losses		20,787		19,639		22,823		19,283		20,855		(0.3)
	Net Interest Income After Provision		239,308		225,186		214,242		207,579		203,180		17.8
	Non-Interest Income:
	Electronic Payment Processing Services		223,844		223,123		215,784		205,163		197,129		13.6
	Merchant Services		67,409		74,208		68,696		27,105		6,411		nm
	Other Transaction Processing Services Revenue		45,544		44,030		45,324		48,514		45,224		0.7
	Service Charges on Deposits		28,738		28,748		28,175		27,127		30,321		(5.2)
	Fiduciary and Asset Management Fees		11,544		11,167		11,138		11,037		11,326		1.9
	Brokerage and Investment Banking Revenue		6,616		5,801		5,807		6,263		5,361		23.4
	Mortgage Banking Income		7,078		8,276		7,430		5,898		6,773		4.5
	Credit Card Fees		10,692		9,563		9,291		8,092		8,775		21.8
	Securities Gains (Losses)		(135)		0		327		271		164		nm
	Other Fee Income		9,377		8,217		7,834		7,486		7,654		22.5
	Other Non-Interest Income		6,689		12,599		7,325		8,984		12,162		(45.0)
	Non-Interest Income before Reimbursable Items		417,396		425,732		407,131		355,940		331,300		26.0
	Reimbursable Items		84,306		79,644		79,161		69,170		57,039		47.8
	Total Non-Interest Income		501,702		505,376		486,292		425,110		388,339		29.2
	Non-Interest Expense:
	Personnel Expense		224,251		213,695		208,596		189,829		175,369		27.9
	Occupancy & Equipment Expense		93,965		98,772		88,839		86,634		77,039		22.0
	Other Non-Interest Expense		110,608		113,300		110,015		92,607		88,639		24.8
	Non-Interest Expense before Reimbursable Items		428,824		425,767		407,450		369,070		341,047		25.7
	Reimbursable Items		84,306		79,644		79,161		69,170		57,039		47.8
	Total Non-Interest Expense		513,130		505,411		486,611		438,240		398,086		28.9
	Minority Interest in Consolidated Subsidiaries		9,571		9,306		9,672		8,832		8,143		17.5
	Income Before Taxes		218,309		215,845		204,251		185,617		185,290		17.8
	Income Tax Expense		81,049		81,853		75,791		68,883		66,568		21.8
	Net Income	$	137,260		133,992		128,460		116,734		118,722		15.6
	Basic Earnings Per Share	$	0.44		0.43		0.41		0.38		0.38		14.7
	Diluted Earnings Per Share		0.44		0.43		0.41		0.37		0.38		14.9
	Dividends Declared Per Share		0.18		0.18		0.18		0.18		0.17		5.3
	Return on Assets		2.00	%	2.01	%	1.98	%	1.86	%	1.91	%	9	bp
	Return on Equity		18.74		18.77		18.70		17.52		17.92		82
	Average Shares Outstanding - Basic		312,298		311,842		311,154		310,622		309,740		0.8	%
	Average Shares Outstanding - Diluted		315,280		315,336		314,691		313,900		313,268		0.6
bp - change is measured as difference in basis points.
nm - not meaningful

SYNOVUS						6 of 11
Financial Services Segment
	INCOME STATEMENT		Twelve Months Ended
	(In thousands)		December 31,
			2005		2004	Change
	Interest Income (Taxable Equivalent)	$	1,502,675		1,165,962	28.9	%
	Interest Expense		531,047		299,489	77.3
	Net Interest Income (Taxable Equivalent)		971,628		866,473	12.1
	Tax Equivalent Adjustment		6,412		6,941	(7.6)
	Net Interest Income		965,216		859,532	12.3
	Provision for Loan Losses		82,532		75,319	9.6
	Net Interest Income After Provision		882,684		784,213	12.6
	Non-Interest Income:
	Service Charges on Deposits		112,788		121,450	(7.1)
	Fiduciary and Asset Management Fees		45,453		43,757	3.9
	Brokerage and Investment Banking Revenue		24,487		21,748	12.6
	Mortgage Banking Income		28,682		26,300	9.1
	Credit Card Fees		37,638		30,174	24.7
	Securities Gains (Losses)		463		75	nm
	Other Fee Income		32,914		29,227	12.6
	Other Non-Interest Income		44,987		54,710	(17.8)
	Total Non-Interest Income		327,412		327,441	-
	Non-Interest Expense:
	Personnel Expense		370,223		364,514	1.6
	Occupancy & Equipment Expense		90,549		82,156	10.2
	Other Non-Interest Expense		185,985		175,005	6.3
	Total Non-Interest Expense		646,757		621,675	4.0
	Income Before Taxes		563,339		489,979	15.0
	Income Tax Expense		204,289		175,038	16.7
	Net Income	$	359,050		314,941	14.0
	Return on Assets		1.43	%	1.41	2	bp
	Return on Equity		17.59		17.15	44
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		4th Quarter
			Fourth		Third		Second		First		Fourth		'05 vs. '04
			Quarter		Quarter		Quarter		Quarter		Quarter		Change
	Interest Income (Taxable Equivalent)	$	420,892		388,067		360,789		332,927		314,009		34.0	%
	Interest Expense		160,509		142,582		122,768		105,188		88,933		80.5
	Net Interest Income (Taxable Equivalent)		260,383		245,485		238,021		227,739		225,076		15.7
	Tax Equivalent Adjustment		1,558		1,655		1,585		1,614		1,692		(7.9)
	Net Interest Income		258,825		243,830		236,436		226,125		223,384		15.9
	Provision for Loan Losses		20,787		19,639		22,823		19,283		20,855		(0.3)
	Net Interest Income After Provision		238,038		224,191		213,613		206,842		202,529		17.5
	Non-Interest Income:
	Service Charges on Deposits		28,738		28,748		28,175		27,127		30,321		(5.2)
	Fiduciary and Asset Management Fees		11,728		11,357		11,324		11,044		11,538		1.6
	Brokerage and Investment Banking Revenue		6,616		5,801		5,807		6,263		5,361		23.4
	Mortgage Banking Income		7,078		8,276		7,430		5,898		6,773		4.5
	Credit Card Fees		10,692		9,563		9,291		8,092		8,775		21.8
	Securities Gains (Losses)		(135)		-		327		271		164		nm
	Other Fee Income		9,377		8,216		7,834		7,487		7,654		22.5
	Other Non-Interest Income		10,884		15,259		10,457		8,389		10,335		5.3
	Total Non-Interest Income		84,978		87,220		80,645		74,571		80,921		5.0
	Non-Interest Expense:
	Personnel Expense		95,670		93,084		90,721		90,747		82,601		15.8
	Occupancy & Equipment Expense		24,577		22,713		21,712		21,547		21,305		15.4
	Other Non-Interest Expense		49,768		45,356		45,320		45,541		50,677		(1.8)
	Total Non-Interest Expense		170,015		161,153		157,753		157,835		154,583		10.0
	Income Before Taxes		153,001		150,258		136,505		123,578		128,867		18.7
	Income Tax Expense		55,949		55,079		49,060		44,203		44,992		24.4
	Net Income	$	97,052		95,179		87,445		79,375		83,875		15.7
	Return on Assets		1.47	%	1.49	%	1.41	%	1.33	%	1.41	%	6	bp
	Return on Equity		18.30		18.34		17.41		16.19		17.09		121
bp - change is measured as difference in basis points.
nm - not meaningful

                8 of 11

SYNOVUS
BALANCE SHEET		December 31, 2005	September 30, 2005	December 31, 2004
(In thousands, except share data)
ASSETS
Cash and due from banks	$	881,019	879,838	683,035
Interest earning deposits with banks		2,980	2,510	4,153
Federal funds sold and securities purchased
under resale agreements		68,922	150,853	135,471
Trading account assets		27,322	26,069	-
Mortgage loans held for sale		143,144	169,659	120,186
Investment securities available for sale		2,958,320	2,821,018	2,695,593
Loans, net of unearned income		21,392,347	20,904,677	19,480,396
Allowance for loan losses		(289,612)	(283,557)	(265,745)
Loans, net		21,102,735	20,621,120	19,214,651
Premises and equipment, net		669,395	635,773	638,407
Contract acquisition costs and computer software, net		431,849	470,733	401,074
Goodwill, net		487,402	454,315	416,283
Other intangible assets, net		44,867	47,033	41,628
Other assets		808,768	796,169	699,697
Total assets	$	27,626,723	27,075,090	25,050,178
LIABILITIES AND SHAREHOLDERS' EQUITY
Liabilities:
Deposits:
Non-interest bearing retail and commercial deposits	$	3,700,750	3,573,766	3,337,908
Interest bearing retail and commercial deposits		14,798,845	14,188,694	12,948,523
Total retail and commercial deposits		18,499,595	17,762,460	16,286,431
Brokered deposits		2,284,770	2,516,750	2,291,037
Total deposits		20,784,365	20,279,210	18,577,468
Federal funds purchased and securities sold
under repurchase agreements		1,158,669	880,605	1,208,080
Long-term debt		1,933,638	2,256,388	1,879,583
Other liabilities		599,892	594,365	576,474
Total liabilities		24,476,805	24,010,568	22,241,605
Minority interest in consolidated subsidiaries		196,673	189,616	167,284
Shareholders' equity:
Common stock, par value $1.00 a share (1)		318,301	317,945	315,636
Surplus		686,447	677,178	628,396
Treasury stock (2)		(113,944)	(113,944)	(113,944)
Unearned compensation		(3,126)	(2,593)	(106)
Accumulated other comprehensive income (loss)		(25,920)	(14,663)	8,903
Retained earnings		2,091,187	2,010,983	1,802,404
Total shareholders' equity		2,952,945	2,874,906	2,641,289
Total liabilities and shareholders' equity	$	27,626,723	27,075,090	25,050,178
(1) Common shares outstanding: 312,639,737; 312,283,129; and 309,974,509 at December 31, 2005, September 30, 2005, and December 31, 2004, respectively.
(2) Treasury shares: 5,661,538 at December 31, 2005, September 30, 2005, and December 31, 2004.

SYNOVUS										9 of 11
AVERAGE BALANCES AND YIELDS/RATES
(Dollars in thousands)
		2005					2004		Twelve Months Ended
		Fourth		Third	Second	First	Fourth		December 31,
		Quarter		Quarter	Quarter	Quarter	Quarter		2005			2004
Interest Earning Assets
Taxable Investment Securities	$	2,713,238		2,611,048	2,556,964	2,553,423	2,408,960	$	2,609,113			2,366,631
Yield		3.87	%	3.75	3.78	3.74	3.69		3.78		%	3.74
Tax-Exempt Investment Securities	$	208,265		215,096	220,109	223,812	229,190	$	216,773			230,815
Yield		6.90	%	7.08	6.87	6.93	6.99		6.94		%	7.05
Trading Account Assets	$	26,006		19,143	-	-	-	$	11,380			-
Yield		6.97	%	3.84	-	-	-		5.64		%	-
Commercial Loans	$	17,881,828		17,342,794	17,090,893	16,618,766	16,044,726	$	17,237,330			15,005,166
Yield		7.25	%	6.83	6.47	6.15	5.84		6.69		%	5.74
Consumer Loans	$	845,251		840,746	833,071	846,743	948,273	$	841,447			969,377
Yield		7.87	%	7.83	7.37	7.42	7.32		7.63		%	7.85
Mortgage Loans	$	1,036,041		1,015,396	1,022,169	1,026,532	954,078	$	1,025,034			892,945
Yield		6.44	%	6.31	6.47	6.09	6.04		6.33		%	5.96
Credit Card Loans	$	257,691		253,985	249,491	246,523	244,839	$	251,959			241,338
Yield		10.19	%	10.07	10.03	10.41	9.40		10.17		%	9.17
Home Equity Loans	$	1,167,361		1,149,255	1,100,010	1,037,214	973,604	$	1,113,914			844,140
Yield		6.85	%	6.32	5.92	5.56	5.08		6.19		%	4.69
Allowance for Loan Losses	$	(286,846)		(281,505)	(278,734)	(270,853)	(262,711)	$	(279,534)			(247,054)
Loans, Net	$	20,901,326		20,320,671	20,016,900	19,504,925	18,902,809	$	20,190,150			17,705,912
Yield		7.35	%	6.94	6.61	6.31	6.01		6.82		%	5.94
Mortgage Loans Held for Sale	$	121,665		137,116	108,929	87,538	103,594	$	113,969			117,479
Yield		6.48	%	6.54	6.41	6.15	5.75		6.41		%	5.60
Federal Funds Sold and Time Deposits with Banks
	$	119,606		135,735	133,399	119,853	106,996	$	127,171			152,882
Yield		4.26	%	3.55	3.10	2.45	2.06		3.35		%	1.29
Total Interest Earning Assets	$	24,090,106		23,438,809	23,036,301	22,489,551	21,751,549		23,268,556			20,573,719
Yield		6.94	%	6.58	6.28	5.99	5.75		6.46		%	5.67
Interest Bearing Liabilities
Interest Bearing Demand Deposits	$	2,989,754		2,939,524	2,990,725	2,980,346	2,848,978	$	2,975,016			2,762,104
Rate		1.39	%	1.25	1.12	0.96	0.72		1.18		%	0.61
Money Market Accounts	$	5,619,551		5,421,961	4,968,113	4,754,130	4,765,591	$	5,193,943			4,481,042
Rate		3.13	%	2.75	2.31	1.90	1.51		2.56		%	1.21
Savings Deposits	$	534,533		561,550	568,279	556,629	547,026	$	555,205			548,736
Rate		0.40	%	0.38	0.35	0.27	0.21		0.35		%	0.18
Time Deposits Under $100,000	$	2,408,591		2,318,085	2,249,590	2,197,788	2,194,194	$	2,294,158			2,223,854
Rate		3.28	%	2.99	2.71	2.47	2.29		2.88		%	2.24
Time Deposits Over $100,000 (less brokered time deposits)
	$	2,864,382		2,700,297	2,534,846	2,392,957	2,329,295	$	2,624,623			2,258,081
Rate		3.67	%	3.35	3.04	2.77	2.54		3.23		%	2.39
Total Interest Bearing Core Deposits		14,416,811		13,941,417	13,311,553	12,881,850	12,685,084	$	13,642,945			12,273,817
Rate		2.80	%	2.50	2.16	1.87	1.60		2.35			1.43
Brokered Time Deposits	$	2,443,105		2,611,091	2,689,079	2,487,264	2,066,938	$	2,557,660			1,730,937
Rate		3.89	%	3.52	3.21	2.94	2.60		3.39		%	2.34
Total Interest Bearing Deposits	$	16,859,916		16,552,508	16,000,632	15,369,114	14,752,022	$	16,200,605			14,004,754
Rate		2.96	%	2.66	2.34	2.05	1.74		2.51		%	1.54
Federal Funds Purchased and Other
Short-Term Borrowings	$	939,008		687,055	1,255,755	1,541,396	1,488,555	$	1,103,005			1,479,815
Rate		3.72	%	3.03	2.75	2.34	1.83		2.86		%	1.30
Long-Term Debt	$	2,184,538		2,302,328	1,981,235	1,877,158	1,821,889	$	2,087,749			1,718,556
Rate		4.44	%	4.34	4.01	3.84	3.63		4.18		%	3.59
Total Interest Bearing Liabilities	$	19,983,462		19,541,891	19,237,622	18,787,668	18,062,466	$	19,391,359			17,203,125
Rate		3.16	%	2.87	2.54	2.25	1.94		2.71		%	1.73
Non-Interest Bearing Demand Deposits	$	3,509,219		3,423,622	3,429,813	3,267,679	3,516,878	$	3,408,289			3,048,465
Shareholders' Equity	$	2,906,223		2,832,059	2,755,510	2,701,585	2,635,188	$	2,799,496			2,479,404
Total Assets	$	27,164,366		26,505,937	26,102,816	25,392,540	24,921,847	$	26,291,490			23,275,001
Net Interest Margin, before fees		4.16	%	4.04	4.01	3.98	3.98		4.05		%	3.92
Net Interest Margin, after fees		4.32	%	4.18	4.15	4.11	4.13		4.19		%	4.22

SYNOVUS							10 of 11
LOANS OUTSTANDING AND NONPERFORMING LOANS COMPOSITION
(Dollars in thousands)
		December 31, 2005
			Loans as a % of Total Loans Outstanding			Total Nonperforming Loans	Nonperforming Loans as a % of Total Nonperforming Loans
Loan Type		Total Loans
Commercial Real Estate
Multi-Family	$	527,710	2.5	%	$	207	0.3	%
Hotels		680,301	3.2			-	-
Office Buildings		747,493	3.5			4,995	6.1
Shopping Centers		656,949	3.1			-	-
Commercial Development		867,217	4.1			548	0.7
Other Investment Property		372,911	1.6			655	0.8
Total Investment Properties		3,852,581	18.0			6,405	7.9
1-4 Family Construction		1,552,338	7.3			2,013	2.4
1-4 Family Perm / Mini-Perm		1,095,155	5.1			2,705	3.3
Residential Development		1,496,436	7.0			7,673	9.3
Total 1-4 Family Properties		4,143,929	19.4			12,391	15.0
Land Acquisition		1,049,041	4.9			446	0.5
Total Investment-Related Real Estate		9,045,551	42.3			19,242	23.4
Owner-Occupied		2,699,431	12.6			11,252	13.7
Other Property		1,115,094	5.1			5,413	6.6
Total Commercial Real Estate		12,860,076	60.0			35,907	43.7
Commercial & Industrial		5,231,150	24.5			38,297	46.6
Consumer		3,349,208	15.7			7,971	9.7
Unearned Income		(48,087)	(0.2)			-	-
Total	$	21,392,347	100.0	%	$	82,175	100.0	%

LOANS OUTSTANDING BY TYPE COMPARISON
(Dollars in thousands)
		Total Loans		4Q05 vs. 3Q05				4Q05 vs. 4Q04
Loan Type		December 31, 2005	September 30, 2005	% change(1)			December 31, 2004	% change
Commercial Real Estate
Multi-Family	$	527,710	527,826	(0.1)	%	$	536,765	(1.7)	%
Hotels		680,301	779,736	(50.6)			820,391	(17.1)
Office Buildings		747,493	797,886	(25.1)			770,260	(3.0)
Shopping Centers		656,949	641,620	9.5			592,919	10.8
Commercial Development		867,217	821,660	22.0			678,451	27.8
Other Investment Property		372,911	328,120	54.2			275,031	35.6
Total Investment Properties		3,852,581	3,896,848	(4.5)			3,673,817	4.9
1-4 Family Construction		1,552,338	1,414,675	38.6			1,208,618	28.4
1-4 Family Perm / Mini-Perm		1,095,155	1,075,143	7.4			984,690	11.2
Residential Development		1,496,436	1,345,662	44.5			1,091,832	37.1
Total 1-4 Family Properties		4,143,929	3,835,480	31.9			3,285,140	26.1
Land Acquisition		1,049,041	978,813	28.5			931,269	12.6
Total Investment-Related Real Estate		9,045,551	8,711,141	15.2			7,890,226	14.6
Owner-Occupied		2,699,431	2,443,318	41.6			2,264,920	19.2
Other Property		1,115,094	1,302,379	(57.1)			1,134,436	(1.7)
Total Commercial Real Estate		12,860,076	12,456,838	12.8			11,289,582	13.9
Commercial & Industrial		5,231,150	5,185,634	3.5			5,064,828	3.3
Consumer		3,349,208	3,306,529	5.1			3,167,937	5.7
Unearned Income		(48,087)	(44,324)	33.7			(41,951)	14.6
Total	$	21,392,347	20,904,677	9.3	%	$	19,480,396	9.8	%

(1) Percentage change is annualized.

SYNOVUS								11 of 11
CREDIT QUALITY DATA
(Dollars in thousands)		2005					2004	4th Quarter
		Fourth		Third	Second	First	Fourth	'05 vs. '04
		Quarter		Quarter	Quarter	Quarter	Quarter	Change
Nonperforming Loans	$	82,175		85,571	79,511	77,308	80,456	2.1	%
Other Real Estate		16,500		16,951	24,325	26,658	21,492	(23.2)
Nonperforming Assets		98,675		102,522	103,836	103,966	101,948	(3.2)
Allowance for Loan Losses		289,612		283,557	277,527	273,724	265,745	9.0
Net Charge-Offs - Quarter		14,732		13,608	19,020	11,305	12,757	15.5
Net Charge-Offs - YTD		58,665		43,933	30,325	11,305	41,249	42.2
Net Charge-Offs / Average Loans - Quarter		0.28	%	0.26	0.37	0.23	0.27
Net Charge-Offs / Average Loans - YTD		0.29		0.29	0.30	0.23	0.23
Nonperforming Loans / Loans & ORE		0.38		0.41	0.39	0.39	0.41
Nonperforming Assets / Loans & ORE		0.46		0.49	0.51	0.52	0.52
Allowance / Loans		1.35		1.36	1.36	1.36	1.36
Allowance / Nonperforming Loans		352.43		331.37	349.04	354.07	330.30
Allowance / Nonperforming Assets		293.50		276.58	267.27	263.28	260.67
Past Due Loans over 90 days		16,023		16,013	17,163	14,376	18,138
As a Percentage of Loans Outstanding		0.07		0.08	0.08	0.07	0.09
Total Past Dues		93,807		103,005	120,224	122,229	84,458
As a Percentage of Loans Outstanding		0.44		0.49	0.59	0.61	0.43

REGULATORY CAPITAL RATIOS (1)
(Dollars in thousands)
		December 31, 2005	September 30, 2005	December 31, 2004
Tier 1 Capital	$	2,655,818	2,598,707	2,369,332
Total Risk-Based Capital		3,695,430	3,632,264	2,935,077
Tier 1 Capital Ratio		10.20	10.18	10.04
Total Risk-Based Capital Ratio		14.19	14.23	12.44
Leverage Ratio		9.97	9.99	9.78
(1) December 31, 2005 information is preliminary.