10-Q

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

______________________________

FORM 10-Q

______________________________

Quarterly report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934

For the quarterly period ended September 30, 2014

Commission file number 1-10312

______________________________

SYNOVUS FINANCIAL CORP.

(Exact name of registrant as specified in its charter)

______________________________

Georgia	58-1134883
(State or other jurisdiction ofincorporation or organization)	(I.R.S. EmployerIdentification No.)

1111 Bay Avenue Suite 500, Columbus, Georgia	31901
(Address of principal executive offices)	(Zip Code)

Registrant’s telephone number, including area code: (706) 649-2311

Securities registered pursuant to Section 12(b) of the Act:

Title of each class	Name of each exchange on which registered
Common Stock, $1.00 Par Value Series B Participating Cumulative Preferred Stock Purchase Rights Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series C	New York Stock Exchange New York Stock Exchange New York Stock Exchange

Securities registered pursuant to Section 12(g) of the Act: NONE

______________________________

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Sections 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    YES x  NO ¨

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).   YES x  NO ¨

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act. (Check One):

Large accelerated filer	x	Accelerated filer	¨
Non-accelerated filer	¨ (Do not check if a smaller reporting company)	Smaller reporting company	¨

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). YES ¨    NO x

Indicate the number of shares outstanding of each of the issuer’s class of common stock, as of the latest practicable date.

Class	October 31, 2014
Common Stock, $1.00 Par Value	136,571,459

Table of Contents

			Page
Part I.	Financial Information
		Index of Defined Terms	i
	Item 1.	Financial Statements (Unaudited)
		Consolidated Balance Sheets as of September 30, 2014 and December 31, 2013	1
		Consolidated Statements of Income for the Nine and Three Months Ended September 30, 2014 and 2013	2
		Consolidated Statements of Comprehensive Income for the Nine and Three Months Ended September 30, 2014 and 2013	3
		Consolidated Statements of Changes in Shareholders' Equity for the Nine Months Ended September 30, 2014 and 2013	4
		Consolidated Statements of Cash Flows for the Nine Months Ended September 30, 2014 and 2013	5
		Notes to Unaudited Interim Consolidated Financial Statements	7
	Item 2.	Management's Discussion and Analysis of Financial Condition and Results of Operations	47
	Item 3.	Quantitative and Qualitative Disclosures About Market Risk	79
	Item 4.	Controls and Procedures	80
Part II.	Other Information
	Item 1.	Legal Proceedings	81
	Item 1A.	Risk Factors	81
	Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	81
	Item 3.	Defaults Upon Senior Securities	81
	Item 4.	Mine Safety Disclosures	81
	Item 5.	Other Information	81
	Item 6.	Exhibits	82
	Signatures		84

SYNOVUS FINANCIAL CORP.

INDEX OF DEFINED TERMS

2019 Senior Notes – Synovus' outstanding 7.875% senior notes due February 15, 2019 

ALCO – Synovus' Asset Liability Management Committee

Annual Meeting - Synovus' 2014 Annual Shareholders' Meeting

ASC – Accounting Standards Codification

ASU – Accounting Standards Update

Basel III – a global regulatory framework developed by the Basel Committee on Banking Supervision

BOV – broker’s opinion of value

bp – basis point (bps - basis points)

C&I – commercial and industrial loans

CB&T – Columbus Bank and Trust Company, a division of Synovus Bank. Synovus Bank is a wholly-owned subsidiary of Synovus Financial Corp.

CCC – central clearing counterparty

CEO – Chief Executive Officer

CFO – Chief Financial Officer

CMO – Collateralized Mortgage Obligation

Common Stock – Common Stock, par value $1.00 per share, of Synovus Financial Corp.

Company – Synovus Financial Corp. and its wholly-owned subsidiaries, except where the context requires otherwise

Covered Litigation – Certain Visa litigation for which Visa is indemnified by Visa USA members

CPP – U.S. Department of the Treasury Capital Purchase Program

CRE – Commercial Real Estate

Dodd-Frank Act – The Dodd-Frank Wall Street Reform and Consumer Protection Act

DRR – dual risk rating

DTA – deferred tax asset

Exchange Act – Securities Exchange Act of 1934, as amended

FASB – Financial Accounting Standards Board

FDIC – Federal Deposit Insurance Corporation

Federal Reserve Bank – The 12 banks that are the operating arms of the U.S. central bank. They implement the policies of the Federal Reserve Board and also conduct economic research.

Federal Reserve Board – The 7-member Board of Governors that oversees the Federal Reserve System establishes monetary policy (interest rates, credit, etc.) and monitors the economic health of the country. Its members are appointed by the President, subject to Senate confirmation, and serve 14-year terms.

Federal Reserve System – The 12 Federal Reserve Banks, with each one serving member banks in its own district. This system, supervised by the Federal Reserve Board, has broad regulatory powers over the money supply and the credit structure.

FFIEC – Federal Financial Institutions Examination Council

FHLB – Federal Home Loan Bank

FICO – Fair Isaac Corporation

GA DBF – Georgia Department of Banking and Finance

GAAP – Generally Accepted Accounting Principles in the United States of America

i

GSE – government sponsored enterprise

HAP – Home Affordability Program

HELOC – home equity line of credit

IRC – Internal Revenue Code of 1986, as amended

IRS – Internal Revenue Service

LIBOR – London Interbank Offered Rate

LTV – loan-to-collateral value ratio

MOU – Memorandum of Understanding

MSA – Metropolitan Statistical Area

NOL – net operating loss

NPA – non-performing assets

NPL – non-performing loans

NSF – non-sufficient funds

NYSE – New York Stock Exchange

OCI – other comprehensive income

ORE – other real estate

OTTI – other-than-temporary impairment

Parent Company – Synovus Financial Corp.

SEC – U.S. Securities and Exchange Commission

Securities Act – Securities Act of 1933, as amended

Series A Preferred Stock – Synovus' Fixed Rate Cumulative Perpetual Preferred Stock, Series A, without par value

Series C Preferred Stock – Synovus' Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series C, $25 liquidation preference

Synovus – Synovus Financial Corp.

Synovus Bank – A Georgia state-chartered bank, formerly known as Columbus Bank and Trust Company, and wholly-owned subsidiary of Synovus, through which Synovus conducts its banking operations

Synovus' 2013 Form 10-K – Synovus' Annual Report on Form 10-K for the year ended December 31, 2013

Synovus Mortgage – Synovus Mortgage Corp., a wholly-owned subsidiary of Synovus Bank

Synovus MOU – MOU entered into by and among Synovus, the Atlanta Fed and the GA DBF

Synovus Trust Company, N. A. – a wholly-owned subsidiary of Synovus Bank

TARP – Troubled Assets Relief Program

TBA – to-be-announced securities with respect to mortgage-related securities to be delivered in the future (MBSs and CMOs)

TDR – troubled debt restructuring (as defined in ASC 310-40)

Tender Offer – Offer by Synovus to purchase, for cash, all of its outstanding 2013 Notes, which commenced on February 7, 2012 and expired on March 6, 2012

Treasury – United States Department of the Treasury

tMEDS – tangible equity units, each composed of a prepaid common stock purchase contract and a junior subordinated amortizing note

Visa – The Visa U.S.A., Inc. card association or its affiliates, collectively

Visa Class B shares – Class B shares of Common Stock issued by Visa which are subject to restrictions with respect to sale until all of the Covered Litigation has been settled

ii

Visa Derivative – A derivative contract with the purchaser of Visa Class B shares which provides for settlements between the purchaser and Synovus based upon a change in the ratio for conversion of Visa Class B shares into Visa Class A shares

Warrant – A warrant issued to the Treasury by Synovus to purchase up to 2,215,820 shares of Synovus Common Stock at a per share exercise price of $65.52 expiring on December 19, 2018

iii

PART I. FINANCIAL INFORMATION

ITEM 1. - FINANCIAL STATEMENTS

SYNOVUS FINANCIAL CORP.

CONSOLIDATED BALANCE SHEETS

(unaudited)

(in thousands, except share and per share data)	September 30, 2014			December 31, 2013
ASSETS
Cash and cash equivalents	$	386,402		469,630
Interest bearing funds with Federal Reserve Bank	750,446			644,528
Interest earning deposits with banks	13,612			24,325
Federal funds sold and securities purchased under resale agreements	70,918			80,975
Trading account assets, at fair value	12,705			6,113
Mortgage loans held for sale, at fair value	72,333			45,384
Other loans held for sale	338			10,685
Investment securities available for sale, at fair value	3,050,257			3,199,358
Loans, net of deferred fees and costs	20,588,566			20,057,798
Allowance for loan losses	(269,376		)	(307,560	)
Loans, net	$	20,319,190		19,750,238
Premises and equipment, net	456,633			468,871
Goodwill	24,431			24,431
Other intangible assets, net	1,471			3,415
Other real estate	81,636			112,629
Deferred tax asset, net	656,151			744,646
Other assets	622,587			616,376
Total assets	$	26,519,110		26,201,604
LIABILITIES AND SHAREHOLDERS' EQUITY
Liabilities
Deposits:
Non-interest bearing deposits	$	5,813,809		5,642,751
Interest bearing deposits, excluding brokered deposits	13,609,038			14,140,037
Brokered deposits	1,566,934			1,094,002
Total deposits	20,989,781			20,876,790
Federal funds purchased and securities sold under repurchase agreements	107,160			148,132
Long-term debt	2,130,934			2,033,141
Other liabilities	214,690			194,556
Total liabilities	$	23,442,565		23,252,619
Shareholders' Equity
Series C Preferred Stock – no par value. 5,200,000 shares outstanding at September 30, 2014 and December 31, 2013	125,980			125,862
Common stock - $1.00 par value. Authorized 342,857,143 shares; 139,877,971 issued at September 30, 2014 and 139,720,701 issued at December 31, 2013; 139,064,621 outstanding at September 30, 2014 and 138,907,351 outstanding at December 31, 2013	139,878			139,721
Additional paid-in capital	2,974,319			2,976,348
Treasury stock, at cost – 813,350 shares at September 30, 2014 and December 31, 2013	(114,176		)	(114,176	)
Accumulated other comprehensive loss, net	(24,827		)	(41,258	)
Accumulated deficit	(24,629		)	(137,512	)
Total shareholders’ equity	3,076,545			2,948,985
Total liabilities and shareholders' equity	$	26,519,110		26,201,604

See accompanying notes to unaudited interim consolidated financial statements.

1

SYNOVUS FINANCIAL CORP.

CONSOLIDATED STATEMENTS OF INCOME

(unaudited)

	Nine Months Ended September 30,					Three Months Ended September 30,
(in thousands, except per share data)	2014			2013		2014			2013
Interest income:
Loans, including fees	$	644,392		650,192		$	217,288		217,982
Investment securities available for sale	43,775			37,302		14,029			13,584
Trading account assets	357			433		106			155
Mortgage loans held for sale	1,719			3,987		701			869
Federal Reserve Bank balances	1,561			2,498		562			814
Other earning assets	2,185			1,343		708			448
Total interest income	693,989			695,755		233,394			233,852
Interest expense:
Deposits	41,246			48,964		13,504			16,354
Federal funds purchased and securities sold under repurchase agreements	186			242		35			72
Long-term debt	40,728			40,688		13,592			13,456
Total interest expense	82,160			89,894		27,131			29,882
Net interest income	611,829			605,861		206,263			203,970
Provision for loan losses	25,638			55,534		3,843			6,761
Net interest income after provision for loan losses	586,191			550,327		202,420			197,209
Non-interest income:
Service charges on deposit accounts	58,610			58,142		20,159			19,426
Fiduciary and asset management fees	33,536			32,471		11,207			10,389
Brokerage revenue	20,201			21,231		7,281			6,636
Mortgage banking income	13,459			19,569		4,665			5,314
Bankcard fees	24,394			22,662		8,182			7,760
Investment securities gains, net	1,331			2,571		—			1,124
Other fee income	14,495			16,461		4,704			5,199
(Decrease) increase in fair value of private equity investments, net	(513		)	(856	)	(144		)	284
Gain on sale of Memphis branches, net	5,789			—		—			—
Other non-interest income	26,253			21,139		7,931			7,446
Total non-interest income	197,555			193,390		63,985			63,578
Non-interest expense:
Salaries and other personnel expense	279,855			276,190		93,870			92,794
Net occupancy and equipment expense	79,436			77,025		26,956			26,475
Third-party processing expense	29,604			30,446		10,044			10,151
FDIC insurance and other regulatory fees	25,781			24,059		8,013			7,639
Professional fees	18,427			28,922		2,526			11,410
Advertising expense	15,935			6,513		7,177			3,114
Foreclosed real estate expense, net	18,818			28,800		9,074			10,359
Losses (gains) on other loans held for sale, net	2,050			487		(176		)	408
Visa indemnification charges	2,731			801		1,979			—
Restructuring charges	17,101			7,295		809			687
Other operating expenses	70,377			70,261		33,477			24,291
Total non-interest expense	560,115			550,799		193,749			187,328
Income before income taxes	223,631			192,918		72,656			73,459
Income tax expense	81,554			72,114		25,868			27,765
Net income	142,077			120,804		46,788			45,694
Dividends and accretion of discount on preferred stock	7,678			38,100		2,559			8,506
Net income available to common shareholders	$	134,399		82,704		44,229			37,188
Net income per common share, basic	$	0.97		0.67		0.32			0.27
Net income per common share, diluted	$	0.96		0.62		0.32			0.27
Weighted average common shares outstanding, basic	138,989			123,652		139,043			136,671
Weighted average common shares outstanding, diluted	139,600			132,476		139,726			137,097

See accompanying notes to unaudited interim consolidated financial statements.

2

SYNOVUS FINANCIAL CORP.

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

(unaudited)

	Nine Months Ended September 30,
	2014								2013
(in thousands)	Before-tax Amount			Tax (Expense) Benefit		Net of Tax Amount			Before-tax Amount		Tax (Expense) Benefit		Net of Tax Amount
Net income	$	223,631		(81,554	)	142,077			192,918		(72,114	)	120,804
Net change related to cash flow hedges:
Reclassification adjustment for losses realized in net income	336			(130	)	206			336		(131	)	205
Net unrealized gains (losses) on investment securities available for sale:
Reclassification adjustment for net gains realized in net income	(1,331		)	513		(818		)	(2,571	)	990		(1,581	)
Net unrealized gains (losses) arising during the period	27,467			(10,579	)	16,888			(53,166	)	20,468		(32,698	)
Net unrealized gains (losses)	26,136			(10,066	)	16,070			(55,737	)	21,458		(34,279	)
Post-retirement unfunded health benefit:
Reclassification adjustment for gains realized in net income	(144		)	56		(88		)	(98	)	38		(60	)
Actuarial gains arising during the period	395			(152	)	243			830		(311	)	519
Net unrealized gains	251			(96	)	155			732		(273	)	459
Other comprehensive income (loss)	$	26,723		(10,292	)	16,431			(54,669	)	21,054		(33,615	)
Comprehensive income						$	158,508						87,189

See accompanying notes to unaudited interim consolidated financial statements.

	Three Months Ended September 30,
	2014								2013
(in thousands)	Before-tax Amount			Tax (Expense) Benefit		Net of Tax Amount			Before-tax Amount		Tax (Expense) Benefit		Net of Tax Amount
Net income	$	72,656		(25,868	)	46,788			73,459		(27,765	)	45,694
Net change related to cash flow hedges:
Reclassification adjustment for losses realized in net income	112			(43	)	69			112		(43	)	69
Net unrealized (losses) gains on investment securities available for sale:
Reclassification adjustment for net gains realized in net income	—			—		—			(1,124	)	433		(691	)
Net unrealized (losses) gains arising during the period	(18,173		)	6,993		(11,180		)	6,849		(2,637	)	4,212
Net unrealized (losses) gains	(18,173		)	6,993		(11,180		)	5,725		(2,204	)	3,521
Post-retirement unfunded health benefit:
Reclassification adjustment for (gains) losses realized in net income	—			—		—			(72	)	28		(44	)
Other comprehensive (loss) income	$	(18,061	)	6,950		(11,111		)	5,765		(2,219	)	3,546
Comprehensive income						$	35,677						49,240

See accompanying notes to unaudited interim consolidated financial statements.

3

SYNOVUS FINANCIAL CORP.

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY

(unaudited)

(in thousands, except per share data)	Series A Preferred Stock			Series C Preferred Stock	Common Stock	Additional Paid-in Capital		Treasury Stock		Accumulated Other Comprehensive Income (Loss)		Accumulated  Deficit		Total
Balance at December 31, 2012	$	957,327		—	113,182	2,868,965		(114,176	)	4,101		(259,968	)	3,569,431
Net income	—			—	—	—		—		—		120,804		120,804
Other comprehensive loss, net of income taxes	—			—	—	—		—		(33,615	)	—		(33,615	)
Cash dividends declared on Common Stock - $0.21 per share	—			—	—	—		—		—		(26,703	)	(26,703	)
Cash dividends paid on Series A Preferred Stock	—			—	—	(33,741	)	—		—		—		(33,741	)
Accretion of discount on Series A Preferred Stock	10,543			—	—	(10,543	)	—		—		—		—
Redemption of Series A Preferred Stock	(967,870		)	—	—	—		—		—		—		(967,870	)
Issuance of Series C Preferred Stock, net of issuance costs	—			125,400	—	—		—		—		—		125,400
Settlement of prepaid common stock purchase contracts	—			—	17,550	(17,550	)	—		—		—		—
Issuance of Common Stock, net of issuance costs	—			—	8,553	166,211		—		—		—		174,764
Restricted share unit activity	—			—	372	(3,413	)	—		—		(500	)	(3,541	)
Stock options exercised	—			—	47	742		—		—		—		789
Share-based compensation tax benefit	—			—	—	371		—		—		—		371
Share-based compensation expense	—			—	—	5,771		—		—		—		5,771
Balance at September 30, 2013	$	—		125,400	139,704	2,976,813		(114,176	)	(29,514	)	(166,367	)	2,931,860
Balance at December 31, 2013	$	—		125,862	139,721	2,976,348		(114,176	)	(41,258	)	(137,512	)	2,948,985
Net income	—			—	—	—		—		—		142,077		142,077
Other comprehensive income, net of income taxes	—			—	—	—		—		16,431		—		16,431
Cash dividends declared on Common Stock - $0.21 per share	—			—	—	—		—		—		(29,194	)	(29,194	)
Cash dividends paid on Series C Preferred Stock	—			—	—	(7,678	)	—		—		—		(7,678	)
Series C Preferred Stock-adjustment to issuance costs	—			118	—	—		—		—		—		118
Restricted share unit activity	—			—	41	(509	)	—		—		—		(468	)
Stock options exercised	—			—	116	1,869		—		—		—		1,985
Share-based compensation tax deficiency	—			—	—	(3,164	)	—		—		—		(3,164	)
Share-based compensation expense	—			—	—	7,453		—		—		—		7,453
Balance at September 30, 2014	$	—		125,980	139,878	2,974,319		(114,176	)	(24,827	)	(24,629	)	3,076,545

See accompanying notes to unaudited interim consolidated financial statements.

4

SYNOVUS FINANCIAL CORP.

CONSOLIDATED STATEMENTS OF CASH FLOWS

(unaudited)

	Nine Months Ended September 30,
(in thousands)	2014			2013
Operating Activities
Net income	$	142,077		120,804
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	25,638			55,534
Depreciation, amortization, and accretion, net	39,524			46,513
Deferred income tax expense	74,940			64,101
Decrease in interest receivable	1,459			8,229
Decrease in interest payable	(1,575		)	(3,207	)
Increase in trading account assets	(6,592		)	(6,261	)
Originations of mortgage loans held for sale	(579,139		)	(749,437	)
Proceeds from sales of mortgage loans held for sale	561,796			893,348
Gains on sales of mortgage loans held for sale	(8,971		)	(10,789	)
(Increase) decrease in fair value of mortgage loans held for sale	(969		)	3,838
Decrease in other assets	1,392			36,138
Increase (decrease) in accrued salaries and benefits	6,772			(4,584	)
Increase in other liabilities	14,934			333
Investment securities gains, net	(1,331		)	(2,571	)
Losses on sales of other loans held for sale, net	2,050			487
Losses and write-downs on other real estate, net	16,734			22,714
Share-based compensation expense	7,453			5,771
Write-downs on other assets held for sale	7,608			—
Gain on sale of Memphis branches, net	(5,789		)	—
Gain on sale of branch property	(3,116		)	—
Net cash provided by operating activities	$	294,895		480,961
Investing Activities
Net cash (used) received in dispositions/acquisitions	(90,571		)	56,328
Net decrease in interest earning deposits with banks	10,713			9,382
Net decrease in federal funds sold and securities purchased under resale agreements	10,057			33,340
Net (increase) decrease in interest bearing funds with Federal Reserve Bank	(105,918		)	531,955
Proceeds from maturities and principal collections of investment securities available for sale	417,704			584,810
Proceeds from sales of investment securities available for sale	20,815			403,792
Purchases of investment securities available for sale	(277,375		)	(1,197,122	)
Proceeds from sales of loans	44,001			75,359
Proceeds from sales of other real estate	49,754			77,168
Principal repayments by borrowers on other loans held for sale	770			3,966
Net increase in loans	(754,930		)	(423,252	)
Purchases of premises and equipment	(36,059		)	(24,971	)
Proceeds from disposals of premises and equipment	4,838			3,172
Proceeds from sales of other assets held for sale	507			1,085
Net cash (used in) provided by investing activities	$	(705,694	)	135,012
Financing Activities
Net increase (decrease) in demand and savings deposits	8,677			(281,267	)
Net increase in certificates of deposit	295,687			141,252
Net decrease in federal funds purchased and securities sold under repurchase agreements	(40,972		)	(6,630	)
Principal repayments on long-term debt	(605		)	(301,431	)
Proceeds from issuance of long-term debt	99,938			462,500
Dividends paid to common shareholders	(29,194		)	(26,703	)
Dividends paid to preferred shareholders	(7,678		)	(33,741	)

5

Stock options exercised	1,985			789
Proceeds from issuance of Series C Preferred Stock	—			125,400
Redemption of Series A Preferred Stock	—			(967,870	)
Proceeds from issuance of common stock	—			174,764
Excess tax benefit from share-based compensation	201			569
Restricted stock activity	(468		)	(3,541	)
Net cash provided by (used in) financing activities	$	327,571		(715,909	)
Decrease in cash and cash equivalents	(83,228		)	(99,936	)
Cash and cash equivalents at beginning of period	469,630			614,630
Cash and cash equivalents at end of period	$	386,402		514,694
Supplemental Cash Flow Information
Cash paid during the period for:
Income tax payments, net	4,693			1,669
Interest paid	83,861			85,332
Non-cash Activities
Mortgage loans held for sale transferred to loans at fair value	334			14,471
Premises and equipment transferred to other assets held for sale	16,613			490
Loans foreclosed and transferred to other real estate	35,495			72,854
Loans transferred to other loans held for sale at fair value	36,736			117,806
Other loans held for sale transferred to loans at fair value	—			1,235
Other loans held for sale foreclosed and transferred to other real estate at fair value	—			3,246
Settlement of prepaid common stock purchase contracts	—			122,848
Securities purchased during the period but settled after period-end	—			35,160
Dispositions/Acquisitions:
Fair value of non-cash assets (sold) acquired	(100,982		)	536
Fair value of liabilities (sold) assumed	(191,553		)	56,864

See accompanying notes to unaudited interim consolidated financial statements.

6

Notes to Unaudited Interim Consolidated Financial Statements

Note 1 - Significant Accounting Policies

Business Operations

The accompanying unaudited interim consolidated financial statements of Synovus include the accounts of the Parent Company and its consolidated subsidiaries. Synovus provides integrated financial services, including commercial and retail banking, financial management, insurance, and mortgage services to its customers through locally-branded divisions of its wholly-owned subsidiary bank, Synovus Bank, in offices located throughout Georgia, Alabama, South Carolina, Florida, and Tennessee.

In addition to our banking operations, we also provide various other financial services to our customers through direct and indirect wholly-owned non-bank subsidiaries, including: Synovus Securities, Inc., headquartered in Columbus, Georgia, which specializes in professional portfolio management for fixed-income securities, investment banking, the execution of securities transactions as a broker/dealer and the provision of individual investment advice on equity and other securities; Synovus Trust Company, N.A., headquartered in Columbus, Georgia, which provides trust, asset management and financial planning services; and Synovus Mortgage Corp., headquartered in Birmingham, Alabama, which offers mortgage services.

Basis of Presentation

The accompanying unaudited interim consolidated financial statements have been prepared in accordance with the instructions to the SEC Form 10-Q and Article 10 of Regulation S-X; therefore, they do not include all information and footnotes necessary for a fair presentation of financial position, results of operations, comprehensive income, and cash flows in conformity with GAAP. All adjustments consisting of normally recurring accruals that, in the opinion of management, are necessary for a fair presentation of the consolidated financial position and results of operations for the periods covered by this Report have been included. The accompanying unaudited interim consolidated financial statements should be read in conjunction with the consolidated financial statements and related notes appearing in Synovus' 2013 Form 10-K. There have been no significant changes to the accounting policies as disclosed in Synovus' 2013 Form 10-K.

In preparing the unaudited interim consolidated financial statements in accordance with GAAP, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities as of the date of the respective consolidated balance sheets and the reported amounts of revenues and expenses for the periods presented. Actual results could differ significantly from those estimates.

Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses; the valuation of other real estate; the fair value of investment securities; the fair value of private equity investments; the valuation of deferred tax assets; and contingent liabilities related to legal matters.

Cash and Cash Equivalents

Cash and cash equivalents consist of cash and due from banks. At September 30, 2014 and December 31, 2013, cash and cash equivalents included $91.3 millionand $104.9 million, respectively, on deposit to meet Federal Reserve Bank requirements. At September 30, 2014 and December 31, 2013, $125 thousand and $375 thousand, respectively, of the due from banks balance was restricted as to withdrawal.

Short-term Investments

Short-term investments consist of interest bearing funds with the Federal Reserve Bank, interest earning deposits with banks, and Federal funds sold and securities purchased under resale agreements. Interest earning deposits with banks include $7.1 million and $11.1 million at September 30, 2014 and December 31, 2013, respectively, which is pledged as collateral in connection with certain letters of credit. Federal funds sold include $68.1 million at September 30, 2014 and $72.2 million at December 31, 2013, which are pledged to collateralize certain derivative instruments. Federal funds sold and securities purchased under resale agreements, and Federal funds purchased and securities sold under repurchase agreements, generally mature in one day.

7

Recently Adopted Accounting Standards Updates

Effective January 1, 2014, Synovus adopted the provisions of ASU 2013-11, Income Taxes (Topic 740): Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists.This ASU provides guidance on financial statement presentation of an unrecognized tax benefit when a net operating loss carryforward, a similar tax loss, or a tax credit carryforward exists. Income tax accounting guidance did not explicitly address how to present unrecognized tax benefits when a company also has net operating losses or tax credit carryforwards. Previously, most companies presented these unrecognized benefits as a liability (i.e., gross presentation), but some presented the liability as a reduction of their net operating losses or tax credit carryforwards (i.e., net presentation). To address this diversity in practice, the FASB issued ASU 2013-11, requiring unrecognized tax benefits to be offset against a deferred tax asset for a net operating loss carryforward, similar tax loss, or tax credit carryforward except when either (1) a net operating loss carryforward, a similar tax loss, or a tax credit carryforward is not available as of the reporting date under the governing tax law to settle taxes that would result from the disallowance of the tax position, or (2) the entity does not intend to use the deferred tax asset for this purpose (provided that the tax law permits a choice). If either of these conditions exists, an entity should present an unrecognized tax benefit in the financial statements as a liability and should not net the unrecognized tax benefit with a deferred tax asset. Synovus adopted the provisions of ASU 2013-11 effective January 1, 2014. However, because prior to adoption Synovus already presented its unrecognized tax benefits as a reduction of its net operating losses, adoption of ASU 2013-11 did not have a significant impact on its consolidated balance sheet.

Reclassifications

Prior periods' consolidated financial statements are reclassified whenever necessary to conform to the current periods' presentation.

Subsequent Events

Synovus has evaluated for consideration, or disclosure, all transactions, events, and circumstances, subsequent to the date of the consolidated balance sheet and through the date the accompanying unaudited interim consolidated financial statements were issued, and has reflected, or disclosed, those items deemed appropriate within the unaudited interim consolidated financial statements.

Note 2 - Share Repurchase Program

On October 21, 2014, Synovus announced a common stock repurchase program of up to $250 million which will expire on October 23, 2015.

Note 3 - Reverse Stock Split and Increase in Number of Authorized Common Shares

On April 24, 2014, at Synovus' 2014 Annual Shareholders' Meeting ("Annual Meeting"), Synovus’ shareholders approved a proposal authorizing Synovus’ Board of Directors to effect a one-for-seven reverse stock split of Synovus’ common stock. Following the Annual Meeting, Synovus’ Board of Directors authorized the one-for-seven reverse stock split.  The reverse stock split became effective on May 16, 2014, and Synovus' shares of common stock began trading on a post-split basis on the New York Stock Exchange (NYSE) at the opening of trading on May 19, 2014. All prior periods presented in this Report have been adjusted to reflect the one-for-seven reverse stock split. Financial information updated by this capital change includes earnings per common share, dividends per common share, stock price per common share, weighted average common shares, outstanding common shares, treasury shares, common stock, additional paid-in capital, and share-based compensation.   

Additionally, on April 24, 2014, Synovus’ shareholders also approved an amendment to Synovus’ articles of incorporation to increase the number of authorized shares of Synovus’ common stock from 1.2 billion shares to 2.4 billion shares. Synovus effected the increase in the number of authorized shares on April 24, 2014. Upon the reverse stock split effective date, the number of Synovus’ authorized shares of common stock were proportionately reduced from 2.4 billion shares to 342.9 million shares.

Note 4 - Sale of Branches

On January 17, 2014, Synovus completed the sale of certain loans, premises, deposits, and other assets and liabilities of the Memphis, Tennessee branches of Trust One Bank, a division of Synovus Bank.  The sale included $89.6 million in total loans and $191.3 million in total deposits.   Results for the nine months ended September 30, 2014 reflect a pre-tax gain, net of associated costs, of $5.8 million relating to this transaction.  

8

Note 5 - Investment Securities

The amortized cost, gross unrealized gains and losses, and estimated fair values of investment securities available for sale at September 30, 2014 and December 31, 2013 are summarized below.

	September 30, 2014
(in thousands)	Amortized Cost(1)		Gross Unrealized Gains	Gross Unrealized Losses		Fair Value
U.S. Treasury securities	$	42,627	41	—		42,668
U.S. Government agency securities	26,435		1,034	—		27,469
Securities issued by U.S. Government sponsored enterprises	81,549		778	—		82,327
Mortgage-backed securities issued by U.S. Government agencies	176,254		2,074	(933	)	177,395
Mortgage-backed securities issued by U.S. Government sponsored enterprises	2,323,561		13,516	(20,469	)	2,316,608
Collateralized mortgage obligations issued by U.S. Government agencies or sponsored enterprises	371,656		4,052	(2,249	)	373,459
State and municipal securities	5,099		204	(2	)	5,301
Equity securities	3,228		3,129	—		6,357
Other investments	19,110		—	(437	)	18,673
Total investment securities available for sale	$	3,049,519	24,828	(24,090	)	3,050,257
	December 31, 2013
(in thousands)	Amortized Cost(1)		Gross Unrealized Gains	Gross Unrealized Losses		Fair Value
U.S. Treasury securities	$	17,791	—	—		17,791
U.S. Government agency securities	33,480		1,161	—		34,641
Securities issued by U.S. Government sponsored enterprises	112,305		1,440	—		113,745
Mortgage-backed securities issued by U.S. Government agencies	196,521		2,257	(3,661	)	195,117
Mortgage-backed securities issued by U.S. Government sponsored enterprises	2,443,282		9,718	(31,640	)	2,421,360
Collateralized mortgage obligations issued by U.S. Government agencies or sponsored enterprises	406,717		698	(8,875	)	398,540
State and municipal securities	6,723		168	(2	)	6,889
Equity securities	3,856		3,728	—		7,584
Other investments	4,074		—	(383	)	3,691
Total investment securities available for sale	$	3,224,749	19,170	(44,561	)	3,199,358

⁽¹⁾  Amortized cost is adjusted for other-than-temporary impairment charges in 2014 and 2013, which have been recognized in the consolidated statements of income in the applicable year, and were considered inconsequential.

At September 30, 2014 and December 31, 2013, investment securities with a carrying value of $1.93 billion and $2.33 billion respectively, were pledged to secure certain deposits and securities sold under repurchase agreements as required by law and contractual agreements.

Synovus has reviewed investment securities that are in an unrealized loss position as of September 30, 2014 and December 31, 2013 for OTTI and does not consider any securities in an unrealized loss position to be other-than-temporarily impaired. If Synovus intended to sell a security in an unrealized loss position, the entire unrealized loss would be reflected in income. Synovus does not intend to sell investment securities in an unrealized loss position prior to the recovery of the unrealized loss, which may be until maturity, and has the ability and intent to hold those securities for that period of time. Additionally, Synovus is not currently aware of any circumstances which will require it to sell any of the securities that are in an unrealized loss position.

9

Declines in the fair value of available for sale securities below their cost that are deemed to have OTTI are reflected in earnings as realized losses to the extent the impairment is related to credit losses. The amount of the impairment related to other factors is recognized in other comprehensive income. Currently, unrealized losses on debt securities are attributable to increases in interest rates on comparable securities from the date of purchase. Synovus regularly evaluates its investment securities portfolio to ensure that there are no conditions that would indicate that unrealized losses represent OTTI. These factors include the length of time the security has been in a loss position, the extent that the fair value is below amortized cost, and the credit standing of the issuer. As of September 30, 2014, Synovus had ten investment securities in a loss position for less than twelve months and fifty investment securities in a loss position for twelve months or longer.

Gross unrealized losses on investment securities and the fair value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, at September 30, 2014 and December 31, 2013, are presented below.

10

	September 30, 2014
	Less than 12 Months			12 Months or Longer		Total
(in thousands)	Fair Value		Gross Unrealized Losses	Fair Value	Gross Unrealized Losses	Fair Value	Gross Unrealized Losses
U.S. Treasury securities	$	—	—	—	—	—	—
U.S. Government agency securities	—		—	—	—	—	—
Securities issued by U.S. Government sponsored enterprises	—		—	—	—	—	—
Mortgage-backed securities issued by U.S. Government agencies	9,678		14	29,955	919	39,633	933
Mortgage-backed securities issued by U.S. Government sponsored enterprises	220,542		562	1,099,220	19,907	1,319,762	20,469
Collateralized mortgage obligations issued by U.S. Government agencies or sponsored enterprises	—		—	122,239	2,249	122,239	2,249
State and municipal securities	—		—	43	2	43	2
Equity securities	—		—	—	—	—	—
Other investments	16,889		221	1,784	216	18,673	437
Total	$	247,109	797	1,253,241	23,293	1,500,350	24,090
	December 31, 2013
	Less than 12 Months			12 Months or Longer		Total
(in thousands)	Fair Value		Gross Unrealized Losses	Fair Value	Gross Unrealized Losses	Fair Value	Gross Unrealized Losses
U.S. Treasury securities	$	—	—	—	—	—	—
U.S. Government agency securities	—		—	—	—	—	—
Securities issued by U.S. Government sponsored enterprises	—		—	—	—	—	—
Mortgage-backed securities issued by U.S. Government agencies	121,607		3,363	2,951	298	124,558	3,661
Mortgage-backed securities issued by U.S. Government sponsored enterprises	1,885,521		31,640	—	—	1,885,521	31,640
Collateralized mortgage obligations issued by U.S. Government agencies or sponsored enterprises	282,898		8,875	—	—	282,898	8,875
State and municipal securities	—		—	40	2	40	2
Equity securities	—		—	—	—	—	—
Other investments	1,969		105	1,722	278	3,691	383
Total	$	2,291,995	43,983	4,713	578	2,296,708	44,561

11

The amortized cost and fair value by contractual maturity of investment securities available for sale at September 30, 2014 are shown below. The expected life of mortgage-backed securities or CMOs may differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. For purposes of the maturity table, mortgage-backed securities and CMOs, which are not due at a single maturity date, have been classified based on the final contractual maturity date.

	Distribution of Maturities at September 30, 2014
(in thousands)	Within One Year		1 to 5 Years	5 to 10 Years	More Than 10 Years	No Stated Maturity	Total
Amortized Cost
U.S. Treasury securities	$	17,793	24,834	—	—	—	42,627
U.S. Government agency securities	78		12,577	13,780	—	—	26,435
Securities issued by U.S. Government sponsored enterprises	—		81,549	—	—	—	81,549
Mortgage-backed securities issued by U.S. Government agencies	5		1	—	176,248	—	176,254
Mortgage-backed securities issued by U.S. Government sponsored enterprises	431		1,605	1,926,129	395,396	—	2,323,561
Collateralized mortgage obligations issued by U.S. Government agencies or sponsored enterprises	—		—	—	371,656	—	371,656
State and municipal securities	100		1,971	289	2,739	—	5,099
Equity securities	—		—	—	—	3,228	3,228
Other investments	—		—	—	17,000	2,110	19,110
Total amortized cost	$	18,407	122,537	1,940,198	963,039	5,338	3,049,519
Fair Value
U.S. Treasury securities	$	17,793	24,875	—	—	—	42,668
U.S. Government agency securities	80		13,014	14,375	—	—	27,469
Securities issued by U.S. Government sponsored enterprises	—		82,327	—	—	—	82,327
Mortgage-backed securities issued by U.S. Government agencies	5		1	—	177,389	—	177,395
Mortgage-backed securities issued by U.S. Government sponsored enterprises	456		1,707	1,912,088	402,357	—	2,316,608
Collateralized mortgage obligations issued by U.S. Government agencies or sponsored enterprises	—		—	—	373,459	—	373,459
State and municipal securities	100		2,009	305	2,887	—	5,301
Equity securities	—		—	—	—	6,357	6,357
Other investments	—		—	—	16,666	2,007	18,673
Total fair value	$	18,434	123,933	1,926,768	972,758	8,364	3,050,257

Proceeds from sales, gross gains, and gross losses on sales of securities available for sale for the nine and three months ended September 30, 2014 and 2013 are presented below. Other-than-temporary impairment charges of $88 thousand are included in gross realized losses for the nine months ended September 30, 2014. The specific identification method is used to reclassify gains and losses out of other comprehensive income at the time of sale.

	Nine Months Ended September 30,					Three Months Ended September 30,
(in thousands)	2014			2013		2014	2013
Proceeds from sales of investment securities available for sale	$	20,815		$403,792		—	56,406
Gross realized gains	1,419			3,185		—	1,150
Gross realized losses	(88		)	(614	)	—	(26	)
Investment securities gains, net	$	1,331		2,571		—	1,124

12

Note 6 - Restructuring Charges

For the nine and three months ended September 30, 2014 and 2013 total restructuring charges are as follows:

	Nine Months Ended September 30,				Three Months Ended September 30,
(in thousands)	2014		2013		2014		2013
Severance charges	$	8,046	7,311		$	—	701
Asset impairment charges	7,374		—		36		—
Professional fees and other charges	1,681		(16	)	773		(14	)
Total restructuring charges	$	17,101	7,295		$	809	687

In January 2014, Synovus announced the planned implementation during 2014 of new expense savings initiatives. The initiatives include planned workforce reductions as well as planned reductions in occupancy expenses. Synovus began to implement these initiatives during the first quarter of 2014, undertaking the first targeted staff reductions. As a result of these actions, Synovus recorded aggregate restructuring charges of $8.6 million during the three months ended March 31, 2014, consisting primarily of $8.0 million in severance charges related to employees identified for involuntary termination. These termination benefits are provided under an ongoing benefit arrangement as defined in ASC 712, Compensation-Nonretirement Postemployment Benefits; accordingly, the charges were recorded pursuant to the liability recognition criteria of ASC 712. Additionally, during the second quarter of 2014, upon management's decision to close 13 branches across the five-state footprint during the fourth quarter of 2014, Synovus recorded asset impairment charges of $7.4 million. During the third quarter of 2014, Synovus recorded restructuring charges of $809 thousand primarily for professional fees related to organizational restructuring. Restructuring charges for the fourth quarter of 2014 are expected to include approximately $6 million in charges related to operating lease exit costs associated with the branch closings which were completed in October 2014.

Severance charges recorded during the nine months ended September 30, 2013 relate to involuntary terminations in connection with previously announced efficiency initiatives. These termination benefits were provided under a one-time benefit arrangement as defined in ASC 420, Exit or Disposal Costs or Obligations; accordingly, the charges were recorded pursuant to the liability recognition criteria of ASC 420.

At September 30, 2014, the liability for restructuring activities was $5.1 million, and consisted primarily of involuntary termination benefits.

13

Note 7 - Loans and Allowance for Loan Losses

The following is a summary of current, accruing past due, and non-accrual loans by portfolio class as of September 30, 2014 and December 31, 2013.

Current, Accruing Past Due, and Non-accrual Loans
	September 30, 2014
(in thousands)	Current		Accruing 30-89 Days Past Due	Accruing 90 Days or Greater Past Due	Total Accruing Past Due	Non-accrual	Total
Investment properties	$	4,978,360	1,565	142	1,707	38,979	5,019,046
1-4 family properties	1,098,574		9,759	103	9,862	29,118	1,137,554
Land acquisition	546,490		2,085	76	2,161	40,128	588,779
Total commercial real estate	6,623,424		13,409	321	13,730	108,225	6,745,379
Commercial, financial and agricultural	5,935,845		13,659	545	14,204	53,360	6,003,409
Owner-occupied	3,970,755		15,871	230	16,101	26,810	4,013,666
Total commercial and industrial	9,906,600		29,530	775	30,305	80,170	10,017,075
Home equity lines	1,658,917		9,656	524	10,180	16,875	1,685,972
Consumer mortgages	1,574,526		11,615	1,004	12,619	34,759	1,621,904
Credit cards	250,768		1,688	1,397	3,085	—	253,853
Other retail	288,086		2,747	46	2,793	2,353	293,232
Total retail	3,772,297		25,706	2,971	28,677	53,987	3,854,961
Total loans	$	20,302,321	68,645	4,067	72,712	242,382	20,617,415	(1	)
	December 31, 2013
(in thousands)	Current		Accruing 30-89 Days Past Due	Accruing 90 Days or Greater Past Due	Total Accruing Past Due	Non-accrual	Total
Investment properties	$	4,546,439	3,552	40	3,592	66,454	4,616,485
1-4 family properties	1,144,447		6,267	527	6,794	33,819	1,185,060
Land acquisition	549,936		1,100	300	1,400	154,095	705,431
Total commercial real estate	6,240,822		10,919	867	11,786	254,368	6,506,976
Commercial, financial and agricultural	5,812,490		18,985	813	19,798	62,977	5,895,265
Owner-occupied	3,985,705		11,113	129	11,242	39,239	4,036,186
Total commercial and industrial	9,798,195		30,098	942	31,040	102,216	9,931,451
Home equity lines	1,564,578		4,919	136	5,055	17,908	1,587,541
Consumer mortgages	1,460,219		18,068	1,011	19,079	39,770	1,519,068
Credit cards	253,422		1,917	1,507	3,424	—	256,846
Other retail	280,524		2,190	26	2,216	2,038	284,778
Total retail	3,558,743		27,094	2,680	29,774	59,716	3,648,233
Total loans	$	19,597,760	68,111	4,489	72,600	416,300	20,086,660	(2	)

⁽¹⁾Total before net deferred fees and costs of $28.8 million.

⁽²⁾Total before net deferred fees and costs of $28.9 million.

14

The credit quality of the loan portfolio is summarized no less frequently than quarterly using the standard asset classification system utilized by the federal banking agencies. These classifications are divided into three groups – Not Criticized (Pass), Special Mention, and Classified or Adverse rating (Substandard, Doubtful, and Loss) and are defined as follows:

Pass- loans which are well protected by the current net worth and paying capacity of the obligor (or guarantors, if any) or by the fair value, less cost to acquire and sell in a timely manner, of any underlying collateral.

Special Mention - loans which have potential weaknesses that deserve management's close attention. These loans are not adversely classified and do not expose an institution to sufficient risk to warrant an adverse classification.

Substandard - loans which are inadequately protected by the current net worth and paying capacity of the obligor or by the collateral pledged, if any. Loans with this classification are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.

Doubtful - loans which have all the weaknesses inherent in loans classified as Substandard with the added characteristic that the weaknesses make collection or liquidation in full highly questionable and improbable on the basis of currently known facts, conditions, and values.

Loss - loans which are considered by management to be uncollectible and of such little value that their continuance on the institution's books as an asset, without establishment of a specific valuation allowance or charge-off is not warranted.

In the following tables, retail loans and small business loans are generally assigned a risk grade similar to the classifications described above; however, upon reaching 90 days and 120 days past due, they are generally downgraded to Substandard and Loss, respectively, in accordance with the FFIEC Uniform Retail Credit Classification and Account Management Policy. Additionally, in accordance with the Interagency Supervisory Guidance on Allowance for Loan and Lease Losses Estimation Practices for Loans and Lines of Credit Secured by Junior Liens on 1-4 Family Residential Properties, the risk grade classifications of retail loans (home equity lines and consumer mortgages) secured by junior liens on 1-4 family residential properties also consider available information on the payment status of the associated senior lien with other financial institutions.

15

Loan Portfolio Credit Exposure by Risk Grade
	September 30, 2014
(in thousands)	Pass		Special Mention	Substandard(1)	Doubtful(2)	Loss		Total
Investment properties	$	4,687,315	197,501	134,230	—	—		5,019,046
1-4 family properties	925,346		99,686	104,994	7,528	—		1,137,554
Land acquisition	460,829		55,707	71,336	907	—		588,779
Total commercial real estate	6,073,490		352,894	310,560	8,435	—		6,745,379
Commercial, financial and agricultural	5,667,272		174,559	151,871	8,562	1,145	(3)	6,003,409
Owner-occupied	3,728,191		124,702	159,502	839	432	(3)	4,013,666
Total commercial and industrial	9,395,463		299,261	311,373	9,401	1,577		10,017,075
Home equity lines	1,661,751		—	19,239	2,090	2,892	(3)	1,685,972
Consumer mortgages	1,577,632		—	42,323	1,610	339	(3)	1,621,904
Credit cards	252,510		—	539	—	804	(4)	253,853
Other retail	289,713		—	3,383	32	104	(3)	293,232
Total retail	3,781,606		—	65,484	3,732	4,139		3,854,961
Total loans	$	19,250,559	652,155	687,417	21,568	5,716		20,617,415	(5	)
	December 31, 2013
(in thousands)	Pass		Special Mention	Substandard(1)	Doubtful(2)	Loss		Total
Investment properties	$	4,197,368	249,890	167,503	1,724	—		4,616,485
1-4 family properties	920,392		126,715	129,599	8,062	292	(3)	1,185,060
Land acquisition	422,054		94,316	186,514	2,547	—		705,431
Total commercial real estate	5,539,814		470,921	483,616	12,333	292		6,506,976
Commercial, financial and agricultural	5,451,369		224,620	208,422	10,764	90	(3)	5,895,265
Owner-occupied	3,714,400		155,097	164,560	2,129	—		4,036,186
Total commercial and industrial	9,165,769		379,717	372,982	12,893	90		9,931,451
Home equity lines	1,559,272		—	25,177	1,314	1,778	(3)	1,587,541
Consumer mortgages	1,475,928		—	40,368	2,485	287	(3)	1,519,068
Credit cards	255,339		—	541	—	966	(4)	256,846
Other retail	281,179		—	3,400	75	124	(3)	284,778
Total retail	3,571,718		—	69,486	3,874	3,155		3,648,233
Total loans	$	18,277,301	850,638	926,084	29,100	3,537		20,086,660	(6	)

⁽¹⁾ Includes $215.1 million and $383.7 million of non-accrual Substandard loans at September 30, 2014 and December 31, 2013, respectively.

⁽²⁾ The loans within this risk grade are on non-accrual status. Commercial loans generally have an allowance for loan losses in accordance with ASC 310, and retail loans generally have an allowance for loan losses equal to 50% of the loan amount.

⁽³⁾ The loans within this risk grade are on non-accrual status and have an allowance for loan losses equal to the full loan amount.

⁽⁴⁾ Represent amounts that were 120 days past due. These credits are downgraded to the Loss category with an allowance for loan losses equal to the full loan amount and are generally charged off upon reaching 181 days past due in accordance with the FFIEC Uniform Retail Credit Classification and Account Management Policy.

⁽⁵⁾Total before net deferred fees and costs of $28.8 million.

⁽⁶⁾Total before net deferred fees and costs of $28.9 million.

16

The following table details the changes in the allowance for loan losses by loan segment for the nine months ended September 30, 2014 and 2013.

Allowance for Loan Losses and Recorded Investment in Loans
	As Of and For The Nine Months Ended September 30, 2014
(in thousands)	Commercial Real Estate			Commercial & Industrial		Retail		Unallocated		Total
Allowance for loan losses:
Beginning balance	$	127,646		115,435		41,479		23,000		307,560
Allowance for loan losses of sold branches	(281		)	(398	)	(340	)	—		(1,019	)
Charge-offs	(41,139		)	(26,896	)	(19,082	)	—		(87,117	)
Recoveries	8,318			9,562		6,434		—		24,314
Provision (credit) for loan losses	7,445			27,140		14,053		(23,000	)	25,638
Ending balance	$	101,989		124,843		42,544		—		269,376
Ending balance: individually evaluated for impairment	22,107			15,863		1,195		—		39,165
Ending balance: collectively evaluated for impairment	$	79,882		108,980		41,349		—		230,211
Loans:
Ending balance: total loans(1)	$	6,745,379		10,017,075		3,854,961		—		20,617,415
Ending balance: individually evaluated for impairment	317,011			172,860		47,669		—		537,540
Ending balance: collectively evaluated for impairment	$	6,428,368		9,844,215		3,807,292		—		20,079,875
	As Of and For The Nine Months Ended September 30, 2013
(in thousands)	Commercial Real Estate			Commercial & Industrial		Retail		Unallocated		Total
Allowance for loan losses:
Beginning balance	$	167,926		138,495		38,984		28,000		373,405
Charge-offs	(73,825		)	(44,104	)	(27,359	)	—		(145,288	)
Recoveries	11,861			17,266		5,834		—		34,961
Provision (credit) for loan losses	31,221			7,462		21,851		(5,000	)	55,534
Ending balance	$	137,183		119,119		39,310		23,000		318,612
Ending balance: individually evaluated for impairment	50,737			25,194		2,120		—		78,051
Ending balance: collectively evaluated for impairment	$	86,446		93,925		37,190		23,000		240,561
Loans:
Ending balance: total loans(2)	$	6,458,518		9,705,425		3,572,669		—		19,736,612
Ending balance: individually evaluated for impairment	569,128			259,764		53,061		—		881,953
Ending balance: collectively evaluated for impairment	$	5,889,390		9,445,661		3,519,608		—		18,854,659

⁽¹⁾Total before net deferred fees and costs of $28.8 million.

⁽²⁾Total before net deferred fees and costs of $25.0 million.

17

The following table details the changes in the allowance for loan losses by loan segment for the three months ended September 30, 2014 and 2013.

Allowance for Loan Losses and Recorded Investment in Loans
	As Of and For The Three Months Ended September 30, 2014
(in thousands)	Commercial Real Estate			Commercial & Industrial			Retail		Unallocated	Total
Allowance for loan losses:
Beginning balance	$	104,394		130,814			42,575		—	277,783
Charge-offs	(5,233		)	(11,306		)	(6,222	)	—	(22,761	)
Recoveries	3,099			5,257			2,155		—	10,511
Provision for loan losses	(271		)	78			4,036		—	3,843
Ending balance	$	101,989		124,843			42,544		—	269,376
Ending balance: individually evaluated for impairment	22,107			15,863			1,195		—	39,165
Ending balance: collectively evaluated for impairment	$	79,882		108,980			41,349		—	230,211
Loans:
Ending balance: total loans(1)	$	6,745,379		10,017,075			3,854,961		—	20,617,415
Ending balance: individually evaluated for impairment	317,011			172,860			47,669		—	537,540
Ending balance: collectively evaluated for impairment	$	6,428,368		9,844,215			3,807,292		—	20,079,875
	As Of and For The Three Months Ended September 30, 2013
(in thousands)	Commercial Real Estate			Commercial & Industrial			Retail		Unallocated	Total
Allowance for loan losses:
Beginning balance	$	138,329		133,190			40,361		23,000	334,880
Charge-offs	(9,474		)	(13,871		)	(6,908	)	—	(30,253	)
Recoveries	2,766			2,152			2,306		—	7,224
Provision (credit) for loan losses	5,562			(2,352		)	3,551		—	6,761
Ending balance	$	137,183		$	119,119		39,310		23,000	318,612
Ending balance: individually evaluated for impairment	50,737			25,194			2,120		—	78,051
Ending balance: collectively evaluated for impairment	$	86,446		93,925			37,190		23,000	240,561
Loans:
Ending balance: total loans(2)	$	6,458,518		9,705,425			3,572,669		—	19,736,612
Ending balance: individually evaluated for impairment	569,128			259,764			53,061		—	881,953
Ending balance: collectively evaluated for impairment	$	5,889,390		9,445,661			3,519,608		—	18,854,659

⁽¹⁾Total before net deferred fees and costs of $28.8 million.

⁽²⁾Total before net deferred fees and costs of $25.0 million.

During the first quarter of 2014, Synovus designated $23.0 million of allowance for loan losses that was included in the unallocated component of the allowance for loan losses at December 31, 2013 to the allowance for loan losses allocated to the respective loan segments.  The allocation of the allowance for loan losses to the loan segments related to the qualitative factors evaluated at December 31, 2013 on a total loan portfolio basis and included in the unallocated component of the allowance for loan losses at December 31, 2013.   These qualitative factors consider the inherent risk of loss relating to the following:

• changes in lending policies and procedures, including changes in underwriting standards and collection, charge-off, and recovery practices not considered elsewhere in estimating credit losses

• changes in the volume and severity of past due loans, the volume of non-accrual loans, and the volume and severity of adversely classified or grade loans

• experience, ability, and depth of lending management, loan review personnel, and other relevant staff

• changes in the quality of the loan review function

• national and local economic trends and conditions

• changes in the value of underlying collateral for collateral-dependent loans

• changes in the nature and volume of the loan portfolio

• effects of changes in credit concentrations

• model uncertainty

18

Management determined that, prospectively, the assessment of these qualitative factors for each loan segment would improve the overall level of precision of the allowance for loan loss estimation process.  The designation of this component of the unallocated allowance to the allocated allowance did not result in a change to the total allowance for loan losses or provision expense for the first quarter of 2014. The allowance for loan losses continues to consist of an allocated component (which includes the qualitative factors noted above as well as the qualitative factors disclosed in Synovus' 2013 Form 10-K) and an unallocated component. Beginning March 31, 2014, the unallocated component relates to risk elements, if any, which are not already included in the allocated allowance.  

19

The tables below summarize impaired loans (including accruing TDRs) as of September 30, 2014 and December 31, 2013.

Impaired Loans (including accruing TDRs)
	September 30, 2014				Nine Months Ended September 30, 2014		Three Months Ended September 30, 2014
(in thousands)	Recorded Investment		Unpaid Principal Balance	Related Allowance	Average Recorded Investment	Interest Income Recognized	Average Recorded Investment	Interest Income Recognized
With no related allowance recorded
Investment properties	$	33,849	46,096	—	24,949	—	33,167	—
1-4 family properties	4,386		12,251	—	5,984	—	4,151	—
Land acquisition	29,501		76,068	—	31,187	—	29,584	—
Total commercial real estate	67,736		134,415	—	62,120	—	66,902	—
Commercial, financial and agricultural	5,705		12,109	—	9,917	—	6,785	—
Owner-occupied	15,300		17,512	—	21,024	—	17,942	—
Total commercial and industrial	21,005		29,621	—	30,941	—	24,727	—
Home equity lines	—		—	—	—	—	—	—
Consumer mortgages	995		2,065	—	1,471	—	1,869	—
Credit cards	—		—	—	—	—	—	—
Other retail	—		—	—	—	—	—	—
Total retail	995		2,065	—	1,471	—	1,869	—
Total impaired loans with no related allowance recorded	$	89,736	166,101	—	94,532	—	93,498	—
With allowance recorded
Investment properties	117,707		119,560	6,621	141,128	3,034	118,729	961
1-4 family properties	83,797		84,588	10,694	99,038	2,209	87,829	613
Land acquisition	47,771		47,914	4,792	102,880	1,264	48,499	418
Total commercial real estate	249,275		252,062	22,107	343,046	6,507	255,057	1,992
Commercial, financial and agricultural	81,036		85,771	12,532	97,143	1,877	82,271	553
Owner-occupied	70,819		70,842	3,331	83,392	2,029	80,653	601
Total commercial and industrial	151,855		156,613	15,863	180,535	3,906	162,924	1,154
Home equity lines	3,822		3,822	68	3,253	71	3,809	40
Consumer mortgages	37,591		37,591	1,029	40,582	999	39,217	457
Credit cards	—		—	—	—	—	—	—
Other retail	5,261		5,261	98	4,892	228	5,171	88
Total retail	46,674		46,674	1,195	48,727	1,298	48,197	585
Total impaired loans with allowance recorded	$	447,804	455,349	39,165	572,308	11,711	466,178	3,731
Total impaired loans
Investment properties	$	151,556	165,656	6,621	166,077	3,034	151,896	961
1-4 family properties	88,183		96,839	10,694	105,022	2,209	91,980	613
Land acquisition	77,272		123,982	4,792	134,067	1,264	78,083	418
Total commercial real estate	317,011		386,477	22,107	405,166	6,507	321,959	1,992
Commercial, financial and agricultural	86,741		97,880	12,532	107,060	1,877	89,056	553
Owner-occupied	86,119		88,354	3,331	104,416	2,029	98,595	601
Total commercial and industrial	172,860		186,234	15,863	211,476	3,906	187,651	1,154
Home equity lines	3,822		3,822	68	3,253	71	3,809	40
Consumer mortgages	38,586		39,656	1,029	42,053	999	41,086	457
Credit cards	—		—	—	—	—	—	—
Other retail	5,261		5,261	98	4,892	228	5,171	88
Total retail	47,669		48,739	1,195	50,198	1,298	50,066	585
Total impaired loans	$	537,540	621,450	39,165	666,840	11,711	559,676	3,731

20

Impaired Loans (including accruing TDRs)
	December 31, 2013				Year Ended December 31, 2013
(in thousands)	Recorded Investment		Unpaid Principal Balance	Related Allowance	Average Recorded Investment	Interest Income Recognized
With no related allowance recorded
Investment properties	$	14,218	15,820	—	18,046	—
1-4 family properties	9,679		29,741	—	23,879	—
Land acquisition	30,595		78,470	—	41,007	—
Total commercial real estate	54,492		124,031	—	82,932	—
Commercial, financial and agricultural	13,490		22,312	—	15,355	—
Owner-occupied	24,839		32,626	—	22,472	—
Total commercial and industrial	38,329		54,938	—	37,827	—
Home equity lines	—		—	—	33	—
Consumer mortgages	1,180		2,840	—	1,487	—
Credit cards	—		—	—	—	—
Other retail	—		—	—	4	—
Total retail	1,180		2,840	—	1,524	—
Total impaired loans with no related allowance recorded	$	94,001	181,809	—	122,283	—
With allowance recorded
Investment properties	$	186,058	193,765	8,863	227,073	5,062
1-4 family properties	115,151		117,498	11,135	115,629	3,464
Land acquisition	183,029		202,048	26,789	191,807	2,931
Total commercial real estate	484,238		513,311	46,787	534,509	11,457
Commercial, financial and agricultural	115,532		120,290	15,559	128,680	3,630
Owner-occupied	89,001		94,869	4,459	107,949	3,656
Total commercial and industrial	204,533		215,159	20,018	236,629	7,286
Home equity lines	2,750		2,750	116	4,668	176
Consumer mortgages	44,019		44,019	967	48,674	1,910
Credit cards	—		—	—	—	—
Other retail	7,013		7,013	109	5,555	285
Total retail	53,782		53,782	1,192	58,897	2,371
Total impaired loans with allowance recorded	$	742,553	782,252	67,997	830,035	21,114
Total impaired loans
Investment properties	$	200,276	209,585	8,863	245,119	5,062
1-4 family properties	124,830		147,239	11,135	139,508	3,464
Land acquisition	213,624		280,518	26,789	232,814	2,931
Total commercial real estate	538,730		637,342	46,787	617,441	11,457
Commercial, financial and agricultural	129,022		142,602	15,559	144,035	3,630
Owner-occupied	113,840		127,495	4,459	130,421	3,656
Total commercial and industrial	242,862		270,097	20,018	274,456	7,286
Home equity lines	2,750		2,750	116	4,701	176
Consumer mortgages	45,199		46,859	967	50,161	1,910
Credit cards	—		—	—	—	—
Other retail	7,013		7,013	109	5,559	285
Total retail	54,962		56,622	1,192	60,421	2,371
Total impaired loans	$	836,554	964,061	67,997	952,318	21,114

21

The average recorded investment in impaired loans was $666.8 million and $559.7 million for the nine and three months ended September 30, 2014, respectively. Excluding accruing TDRs, there was no interest income recognized for the investment in impaired loans for the nine and three months ended September 30, 2014 and 2013. Interest income recognized for accruing TDRs was $11.7 million and $3.7 million, respectively, for the nine and three months ended September 30, 2014 and $16.1 million and $5.2 million, respectively, for the nine and three months ended September 30, 2013 . At September 30, 2014 and December 31, 2013, all impaired loans other than $408.7 million and $574.2 million, respectively, of accruing TDRs, were on non-accrual status.

Concessions provided in a TDR are primarily in the form of providing a below market interest rate given the borrower's credit risk, a period of time generally less than one year with a reduction of required principal and/or interest payments (e.g., interest only for a period of time), or extension of the maturity of the loan generally for less than one year. Insignificant periods of reduction of principal and/or interest payments, or one time deferrals of 3 months or less, are generally not considered to be financial concessions.

22

The following tables represent, by concession type, the post-modification balance for loans modified or renewed during the nine and three months ended September 30, 2014 and 2013 that were reported as accruing or non-accruing TDRs.

TDRs by Concession Type
	Nine Months Ended September 30, 2014
(in thousands, except contract data)	Number of Contracts	Principal Forgiveness		Below Market Interest Rate	Term Extensions and/or Other Concessions	Total
Investment properties	14	$	—	8,423	5,598	14,021
1-4 family properties	36	—		2,390	3,859	6,249
Land acquisition	15	2,338		4,721	2,688	9,747
Total commercial real estate	65	2,338		15,534	12,145	30,017
Commercial, financial and agricultural	68	60		7,639	16,977	24,676
Owner-occupied	14	—		22,178	14,392	36,570
Total commercial and industrial	82	60		29,818	31,369	61,247
Home equity lines	11	—		1,163	451	1,614
Consumer mortgages	13	—		2,296	315	2,611
Credit cards	—	—		—	—	—
Other retail	17	—		543	385	928
Total retail	41	—		4,002	1,151	5,153
Total TDRs	188	$	2,398	49,354	44,665	96,417	(1	)
	Three Months Ended September 30, 2014
(in thousands, except contract data)	Number of Contracts	Principal Forgiveness		Below Market Interest Rate	Term Extensions and/or Other Concessions	Total
Investment properties	4	$	—	875	3,899	4,774
1-4 family properties	7	—		879	203	1,082
Land acquisition	3	2,338		204	646	3,188
Total commercial real estate	14	2,338		1,958	4,748	9,044
Commercial, financial and agricultural	28	60		3,098	5,280	8,438
Owner-occupied	2	—		2,703	130	2,833
Total commercial and industrial	30	60		5,802	5,410	11,272
Home equity lines	5	—		435	—	435
Consumer mortgages	5	—		543	212	755
Credit cards	—	—		—		—
Other retail	7	—		101	150	251
Total retail	17	—		1,079	362	1,441
Total TDRs	61	$	2,398	8,839	10,520	21,757	(2	)

⁽¹⁾ Net charge-offs of $163 thousand were recorded during the nine months ended September 30, 2014 upon restructuring of these loans.

⁽²⁾ Net charge-offs of $163 thousand were recorded during the three months ended September 30, 2014 upon restructuring of these loans.

23

TDRs by Concession Type
	Nine Months Ended September 30, 2013
(in thousands, except contract data)	Number of Contracts	Principal Forgiveness	Below Market Interest Rate	Term Extensions and/or Other Concessions	Total
Investment properties	44	—	121,263	4,372	125,635
1-4 family properties	99	424	28,863	8,629	37,916
Land acquisition	26	74	113,627	9,763	123,464
Total commercial real estate	169	498	263,753	22,764	287,015
Commercial, financial and agricultural	85	183	21,600	12,675	34,458
Owner-occupied	51	—	21,571	22,935	44,506
Total commercial and industrial	136	183	43,171	35,610	78,964
Home equity lines	1	—	—	80	80
Consumer mortgages	123	—	10,230	4,004	14,234
Credit cards	—	—	—	—	—
Other retail	56	—	879	1,424	2,303
Total retail	180	—	11,109	5,508	16,617
Total TDRs	485	681	318,033	63,882	382,596	(1	)
	Three Months Ended September 30, 2013
(in thousands, except contract data)	Number of Contracts	Principal Forgiveness	Below Market Interest Rate	Term Extensions and/or Other Concessions	Total
Investment properties	13	—	74,111	—	74,111
1-4 family properties	41	—	4,832	2,133	6,965
Land acquisition	10	—	108,295	2,532	110,827
Total commercial real estate	64	—	187,238	4,665	191,903
Commercial, financial and agricultural	16	—	3,152	2,737	5,889
Owner-occupied	12	—	5,575	7,940	13,515
Total commercial and industrial	28	—	8,727	10,677	19,404
Home equity lines	—	—	—	—	—
Consumer mortgages	39	—	3,106	966	4,072
Credit cards	—	—	—	—	—
Other retail	18	—	419	396	815
Total retail	57	—	3,525	1,362	4,887
Total TDRs	149	—	199,490	16,704	216,194	(2	)

⁽¹⁾ Net charge-offs of $199 thousand were recorded during the nine months ended September 30, 2013 upon restructuring of these loans.

⁽²⁾ Net charge-offs of $146 thousand were recorded during the three months ended September 30, 2013 upon restructuring of these loans.

24

The following table presents TDRs that defaulted in the periods indicated and which were modified or renewed in a TDR within 12 months of the default date.

Troubled Debt Restructurings Entered Into That Subsequently Defaulted* During
	Nine Months Ended September 30, 2014			Three Months Ended September 30, 2014
(in thousands, except contract data)	Number of Contracts	Recorded Investment		Number of Contracts	Recorded Investment
Investment properties	1	$	186	—	$	—
1-4 family properties	3	1,018		—	—
Land acquisition	1	428		—	—
Total commercial real estate	5	1,632		—	—
Commercial, financial and agricultural	4	1,559		2	181
Owner-occupied	—	—		—	—
Total commercial and industrial	4	1,559		2	181
Home equity lines	—	—		—	—
Consumer mortgages	3	206		2	136
Credit cards	—	—		—	—
Other retail	—	—		—	—
Total retail	3	206		2	136
Total TDRs	12	$	3,397	4	$	317

^* Default is defined as the earlier of the troubled debt restructuring being placed on non-accrual status or reaching 90 days past due with respect to principal and/or interest payments.

Troubled Debt Restructurings Entered Into That Subsequently Defaulted* During
	Nine Months Ended September 30, 2013			Three Months Ended September 30, 2013
(in thousands, except contract data)	Number of Contracts	Recorded Investment		Number of Contracts	Recorded Investment
Investment properties	2	$	4,519	—	$	—
1-4 family properties	9	12,374		1	1,620
Land acquisition	1	126		—	—
Total commercial real estate	12	17,019		1	1,620
Commercial, financial and agricultural	3	409		—	—
Owner-occupied	2	924		—	—
Total commercial and industrial	5	1,333		—	—
Home equity lines	1	98		1	98
Consumer mortgages	15	1,195		2	217
Credit cards	—	—		—	—
Other retail	1	195		—	—
Total retail	17	1,488		3	315
Total TDRs	34	$	19,840	4	$	1,935

^* Default is defined as the earlier of the troubled debt restructuring being placed on non-accrual status or reaching 90 days past due with respect to principal and/or interest payments.

If, at the time a loan was designated as a TDR, the loan was not already impaired, the measurement of impairment that resulted from the TDR designation changes from a general pool-level reserve to a specific loan measurement of impairment in accordance with ASC 310-10-35. Generally, the change in the allowance for loan losses resulting from such TDR designation is not significant. At September 30, 2014, the allowance for loan losses allocated to accruing TDRs totaling $408.7 million was $22.7 million compared to accruing TDRs of $556.4 million with an allocated allowance for loan losses of $27.7 million at December 31, 2013. Non-accrual, non-homogeneous loans (commercial-type impaired loans greater than $1 million) that are designated as TDRs, are individually measured for the amount of impairment, if any, both before and after the TDR designation.

25

Note 8 - Other Real Estate

ORE consists of properties obtained through a foreclosure proceeding or through an in-substance foreclosure in satisfaction of loans. In accordance with provisions of ASC 310-10-35 regarding subsequent measurement of loans for impairment and ASC 310-40-15 regarding accounting for troubled debt restructurings by a creditor, a loan is classified as an in-substance foreclosure when Synovus has taken possession of the collateral regardless of whether formal foreclosure proceedings have taken place.

At foreclosure, ORE is recorded at the lower of cost or fair value less the estimated cost to sell, which establishes a new cost basis. Subsequent to foreclosure, ORE is evaluated quarterly and reported at fair value less estimated costs to sell, not to exceed the new cost basis, determined on the basis of current appraisals, comparable sales, and other estimates of fair value obtained principally from independent sources, adjusted for estimated selling costs. Management also considers other factors or recent developments such as changes in absorption rates or market conditions from the time of valuation and anticipated sales values considering management’s plans for disposition, which could result in an adjustment to lower the collateral value estimates indicated in the appraisals. At the time of foreclosure or initial possession of collateral, any excess of the loan balance over the fair value of the real estate held as collateral, less costs to sell, is recorded as a charge against the allowance for loan losses. Revenue and expenses from ORE operations as well as gains or losses on sales are recorded as foreclosed real estate expense, net, a component of non-interest expense on the consolidated statements of income. Subsequent declines in fair value are recorded on a property-by-property basis through use of a valuation allowance within other real estate on the consolidated balances sheets and valuation adjustment account in foreclosed real estate expense, net, a component of non-interest expense on the consolidated statements of income.

The carrying value of ORE was $81.6 million and $112.6 million at September 30, 2014 and December 31, 2013, respectively. During the nine months ended September 30, 2014 and 2013, $35.5 million and $76.2 million, respectively,of loans and other loans held for sale were foreclosed and transferred to other real estate at fair value less costs to sell. During the nine months ended September 30, 2014 and 2013, Synovus recognized foreclosed real estate expense, net, of $18.8 million and $28.8 million, respectively. These expenses included write-downs for declines in fair value of ORE subsequent to the date of foreclosure and net realized losses resulting from sales transactions totaling $16.7 million and $22.7 million for the nine months ended September 30, 2014 and 2013, respectively.

Note 9 - Other Comprehensive Income (Loss)

The following table illustrates activity within the balances in accumulated other comprehensive income (loss) by component, and is shown for the nine and three months ended September 30, 2014 and 2013.

Changes in Accumulated Other Comprehensive Income (Loss) by Component (Net of Income Taxes)
(in thousands)	Net unrealized gains (losses) on cash flow hedges			Net unrealized gains (losses) on investment securities available for sale		Post-retirement unfunded health benefit		Total
Balance as of December 31, 2013	$	(13,099	)	(28,936	)	777		(41,258	)
Other comprehensive income before reclassifications	—			16,888		243		17,131
Amounts reclassified from accumulated other comprehensive income (loss)	206			(818	)	(88	)	(700	)
Net current period other comprehensive income (loss)	206			16,070		155		16,431
Balance as of September 30, 2014	$	(12,893	)	(12,866	)	932		(24,827	)
Balance as of July 1, 2014	$	(12,962	)	(1,686	)	932		(13,716	)
Other comprehensive income before reclassifications	—			(11,180	)	—		(11,180	)
Amounts reclassified from accumulated other comprehensive income (loss)	69			—		—		69
Net current period other comprehensive income (loss)	69			(11,180	)	—		(11,111	)
Balance as of September 30, 2014	$	(12,893	)	(12,866	)	932		(24,827	)

26

Changes in Accumulated Other Comprehensive Income (Loss) by Component (Net of Income Taxes)
(in thousands)	Net unrealized gains (losses) on cash flow hedges			Net unrealized gains (losses) on investment securities available for sale		Post-retirement unfunded health benefit		Total
Balance as of December 31, 2012	$	(13,373	)	17,111		363		4,101
Other comprehensive income (loss) before reclassifications	—			(32,698	)	519		(32,179	)
Amounts reclassified from accumulated other comprehensive income (loss)	205			(1,581	)	(60	)	(1,436	)
Net current period other comprehensive income (loss)	205			(34,279	)	459		(33,615	)
Balance as of September 30, 2013	$	(13,168	)	(17,168	)	822		(29,514	)
Balance as of July 1, 2013	$	(13,237	)	(20,689	)	866		(33,060	)
Other comprehensive income (loss) before reclassifications	—			4,212		—		4,212
Amounts reclassified from accumulated other comprehensive income (loss)	69			(691	)	(44	)	(666	)
Net current period other comprehensive income (loss)	69			3,521		(44	)	3,546
Balance as of September 30, 2013	$	(13,168	)	(17,168	)	822		(29,514	)

In accordance with ASC 740-20-45-11(b), a deferred tax asset valuation allowance associated with unrealized gains and losses not recognized in income is charged directly to other comprehensive income (loss). Thus, during the years 2010 and 2011, Synovus recorded a deferred tax asset valuation allowance associated with unrealized gains and losses not recognized in income directly to other comprehensive income (loss) by applying the portfolio approach for allocation of the valuation allowance. Synovus has consistently applied the portfolio approach which treats derivative financial instruments, equity securities, and debt securities as a single portfolio. As of September 30, 2014, the ending balance in net unrealized gains (losses) on cash flow hedges and net unrealized gains (losses) on investment securities available for sale includes unrealized losses of $12.1 million and $13.3 million, respectively, related to the residual tax effects remaining in OCI due to the previously established deferred tax asset valuation allowance. Under the portfolio approach, these unrealized losses are realized at the time the entire portfolio is sold or disposed.

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The following table illustrates activity within the reclassifications out of accumulated other comprehensive income (loss), for the nine and three months ended September 30, 2014 and 2013.

Reclassifications out of Accumulated Other Comprehensive Income (Loss)
For the Nine Months Ended September 30, 2014
Details about accumulated other comprehensive income (loss) components	Amount reclassified from accumulated other comprehensive income (loss)			Affected line item in the statement where net income is presented
Net unrealized gains (losses) on cash flow hedges:
Amortization of deferred losses	$	(336	)	Interest expense
	130			Income tax (expense) benefit
	$	(206	)	Reclassifications, net of income taxes
Net unrealized gains (losses) on investment securities available for sale:
Realized gain on sale of securities	$	1,331		Investment securities gains, net
	(513		)	Income tax (expense) benefit
	$	818		Reclassifications, net of income taxes
Post-retirement unfunded health benefit:
Amortization of actuarial gains	$	144		Salaries and other personnel expense
	(56		)	Income tax (expense) benefit
	$	88		Reclassifications, net of income taxes
Reclassifications out of Accumulated Other Comprehensive Income (Loss)
For the Three Months Ended September 30, 2014
Details about accumulated other comprehensive income (loss) components	Amount reclassified from accumulated other comprehensive income (loss)			Affected line item in the statement where net income is presented
Net unrealized gains (losses) on cash flow hedges:
Amortization of deferred losses	$	(112	)	Interest expense
	43			Income tax (expense) benefit
	$	(69	)	Reclassifications, net of income taxes

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Reclassifications out of Accumulated Other Comprehensive Income (Loss)
For the Nine Months Ended September 30, 2013
Details about accumulated other comprehensive income (loss) components	Amount reclassified from accumulated other comprehensive income (loss)			Affected line item in the statement where net income is presented
Net unrealized gains (losses) on cash flow hedges:
Amortization of deferred losses	$	(336	)	Interest expense
	131			Income tax (expense) benefit
	$	(205	)	Reclassifications, net of income taxes
Net unrealized gains (losses) on investment securities available for sale:
Realized gain on sale of securities	$	2,571		Investment securities gains, net
	(990		)	Income tax (expense) benefit
	$	1,581		Reclassifications, net of income taxes
Post-retirement unfunded health benefit:
Amortization of actuarial gains	$	98		Salaries and other personnel expense
	(38		)	Income tax (expense) benefit
	$	60		Reclassifications, net of income taxes
Reclassifications out of Accumulated Other Comprehensive Income (Loss)
For the Three Months Ended September 30, 2013
Details about accumulated other comprehensive income (loss) components	Amount reclassified from accumulated other comprehensive income (loss)			Affected line item in the statement where net income is presented
Net unrealized gains (losses) on cash flow hedges:
Amortization of deferred losses	$	(112	)	Interest expense
	43			Income tax (expense) benefit
	$	(69	)	Reclassifications, net of income taxes
Net unrealized gains (losses) on investment securities available for sale:
Realized gain on sale of securities	$	1,124		Investment securities gains, net
	(433		)	Income tax (expense) benefit
	$	691		Reclassifications, net of income taxes
Post-retirement unfunded health benefit:
Amortization of actuarial gains	$	72		Salaries and other personnel expense
	(28		)	Income tax (expense) benefit
	$	44		Reclassifications, net of income taxes

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Note 10 - Fair Value Accounting

Synovus carries various assets and liabilities at fair value based on the fair value accounting guidance under ASC 820 and ASC 825. Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an “exit price”) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date.

Fair Value Hierarchy

Synovus determines the fair value of its financial instruments based on the fair value hierarchy established under ASC 820-10, which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. A financial instrument’s categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the financial instrument's fair value measurement in its entirety. There are three levels of inputs that may be used to measure fair value. The three levels of inputs of the valuation hierarchy are defined below:

Level 1	Quoted prices (unadjusted) in active markets for identical assets and liabilities for the instrument or security to be valued. Level 1 assets include marketable equity securities as well as U.S. Treasury securities that are highly liquid and are actively traded in over-the-counter markets.
Level 2	Observable inputs other than Level 1 quoted prices, such as quoted prices for similar assets and liabilities in active markets, quoted prices in markets that are not active or model-based valuation techniques for which all significant assumptions are derived principally from or corroborated by observable market data. Level 2 assets and liabilities include debt securities with quoted prices that are traded less frequently than exchange-traded instruments and derivative contracts whose value is determined by using a pricing model with inputs that are observable in the market or can be derived principally from or corroborated by observable market data. U.S. Government sponsored agency securities, mortgage-backed securities issued by U.S. Government sponsored enterprises and agencies, obligations of states and municipalities, CMOs issued by U.S. Government sponsored enterprises, and mortgage loans held-for-sale are generally included in this category. Certain private equity investments that invest in publicly traded companies are also considered Level 2 assets.
Level 3	Unobservable inputs that are supported by little, if any, market activity for the asset or liability. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow models and similar techniques, and may also include the use of market prices of assets or liabilities that are not directly comparable to the subject asset or liability. These methods of valuation may result in a significant portion of the fair value being derived from unobservable assumptions that reflect Synovus' own estimates for assumptions that market participants would use in pricing the asset or liability. This category primarily includes collateral-dependent impaired loans, other real estate, and certain private equity investments.

See Note 16 "Fair Value Accounting" to the consolidated financial statements of Synovus' 2013 Form 10-K for a description of valuation methodologies for assets and liabilities measured at fair value on a recurring and non-recurring basis.

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Assets and Liabilities Measured at Fair Value on a Recurring Basis

The following table presents all financial instruments measured at fair value on a recurring basis as of September 30, 2014 and December 31, 2013, according to the valuation hierarchy included in ASC 820-10. For equity and debt securities, class was determined based on the nature and risks of the investments.

	September 30, 2014
(in thousands)	Level 1		Level 2	Level 3	Total Assets and Liabilities at Fair Value
Assets
Trading securities:
Mortgage-backed securities issued by U.S. Government agencies	$	—	3,502	—	3,502
Collateralized mortgage obligations issued by   U.S. Government sponsored enterprises	—		3,677	—	3,677
State and municipal securities	—		—	—	—
All other mortgage-backed   securities	—		4,174	—	4,174
Other investments	97		1,255	—	1,352
Total trading securities	$	97	12,608	—	12,705
Mortgage loans held for sale	—		72,333	—	72,333
Investment securities available for sale:
U.S. Treasury securities	42,668		—	—	42,668
U.S. Government agency securities	—		27,469	—	27,469
Securities issued by U.S. Government sponsored enterprises	—		82,327	—	82,327
Mortgage-backed securities issued by U.S. Government agencies	—		177,395	—	177,395
Mortgage-backed securities issued by U.S. Government sponsored enterprises	—		2,316,608	—	2,316,608
Collateralized mortgage obligations issued by U.S. Government agencies or sponsored enterprises	—		373,459	—	373,459
State and municipal securities	—		5,301	—	5,301
Equity securities	6,357		—	—	6,357
Other investments(1)	2,006		14,882	1,785	18,673
Total investment securities available for sale	$	51,031	2,997,441	1,785	3,050,257
Private equity investments	—		1,094	27,232	28,326
Mutual funds held in Rabbi Trusts	10,817		—	—	10,817
Derivative assets:
Interest rate contracts	—		30,184	—	30,184
Mortgage derivatives(2)	—		1,138	—	1,138
Total derivative assets	$	—	31,322	—	31,322
Liabilities
Trading account liabilities	—		6,264	—	6,264
Salary stock units	728		—	—	728
Derivative liabilities:
Interest rate contracts	—		30,689	—	30,689
Mortgage derivatives(2)	—		320	—	320
Visa derivative	—		—	4,021	4,021
Total derivative liabilities	$	—	31,009	4,021	35,030

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	December 31, 2013
(in thousands)	Level 1		Level 2	Level 3	Total Assets and Liabilities at Fair Value
Assets
Trading securities:
Collateralized mortgage obligations issued by U.S. Government sponsored enterprises	—		2,465	—	2,465
State and municipal securities	—		429	—	429
All other mortgage-backed securities	—		968	—	968
Other investments	—		2,251	—	2,251
Total trading securities	$	—	6,113	—	6,113
Mortgage loans held for sale	—		45,384	—	45,384
Investment securities available for sale:
U.S. Treasury securities	17,791		—	—	17,791
U.S. Government agency securities	—		34,641	—	34,641
Securities issued by U.S. Government sponsored enterprises	—		113,745	—	113,745
Mortgage-backed securities issued by U.S. Government agencies	—		195,117	—	195,117
Mortgage-backed securities issued by U.S. Government sponsored enterprises	—		2,421,360	—	2,421,360
Collateralized mortgage obligations issued by U.S. Government agencies or sponsored enterprises	—		398,540	—	398,540
State and municipal securities	—		6,889	—	6,889
Equity securities	6,956		—	628	7,584
Other investments(1)	1,969		—	1,722	3,691
Total investment securities available for sale	$	26,716	3,170,292	2,350	3,199,358
Private equity investments	—		1,615	27,745	29,360
Mutual funds held in Rabbi Trusts	11,246		—	—	11,246
Derivative assets:
Interest rate contracts	—		38,482	—	38,482
Mortgage derivatives(2)	—		1,522	—	1,522
Total derivative assets	$	—	40,004	—	40,004
Liabilities
Trading account liabilities	—		1,763	—	1,763
Salary stock units	1,764		—	—	1,764
Derivative liabilities:
Interest rate contracts	—		39,436	—	39,436
Visa derivative	—		—	2,706	2,706
Total derivative liabilities	$	—	39,436	2,706	42,142

⁽¹⁾ Based on an analysis of the nature and risks of these investments, Synovus has determined that presenting these investments as a single asset class is appropriate.

⁽²⁾ Mortgage derivatives consist of customer interest rate lock commitments that relate to the potential origination of mortgage loans, which would be classified as held for sale and forward loan sales commitments with third party investors.

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Fair Value Option

Synovus has elected the fair value option for mortgage loans held for sale primarily to ease the operational burdens required to maintain hedge accounting for these loans. Synovus is still able to achieve effective economic hedges on mortgage loans held for sale without the operational time and expense needed to manage a hedge accounting program.

The following table summarizes the difference between the fair value and the unpaid principal balance of mortgage loans held for sale measured at fair value and the changes in fair value of these loans. Mortgage loans held for sale are initially measured at fair value with subsequent changes in fair value recognized in earnings. Changes in fair value were recorded as a component of mortgage banking income in the consolidated statements of income. An immaterial portion of these changes in fair value was attributable to changes in instrument-specific credit risk.

Changes in Fair Value Included in Net Income
	For the Nine Months Ended September 30,			For the Three Months Ended September 30,
(in thousands)	2014	2013		2014		2013
Mortgage loans held for sale	$969	(3,838	)	(813	)	4,092

Mortgage Loans Held for Sale
(in thousands)	As of September 30, 2014		As of December 31, 2013
Fair value	$	72,333	45,384
Unpaid principal balance	70,924		44,943
Fair value less aggregate unpaid principal balance	$	1,409	441

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Changes in Level 3 Fair Value Measurements

As noted above, Synovus uses significant unobservable inputs (Level 3) in determining the fair value of assets and liabilities classified as Level 3 in the fair value hierarchy. The table below includes a roll-forward of the amounts on the consolidated balance sheet for the nine and three months ended September 30, 2014 and 2013 (including the change in fair value), for financial instruments of a material nature that are classified by Synovus within Level 3 of the fair value hierarchy and are measured at fair value on a recurring basis. Transfers between fair value levels are recognized at the end of the reporting period in which the associated changes in inputs occur. During the first nine months of 2014 and 2013, Synovus did not have any material transfers between levels in the fair value hierarchy.

	Nine Months Ended September 30,
	2014							2013
(in thousands)	Investment Securities Available for Sale			Private Equity Investments		Other Derivative Contracts, Net		Investment Securities Available for Sale	Private Equity Investments		Other Derivative Contracts, Net
Beginning balance, January 1,	$	2,350		27,745		(2,706	)	$3,178	30,708		(2,956	)
Total gains (losses) realized/unrealized:
Included in earnings*	(88		)	(513	)	(2,731	)	—	(856	)	(801	)
Unrealized gains (losses) included in other comprehensive income	63			—		—		401	—		—
Purchases	—					—		—	—		—
Sales	—			—		—		—	—		—
Issuances	—			—		—		—	—		—
Settlements	(540		)	—		1,416		—	—		1,252
Amortization of discount/premium	—			—		—		—	—		—
Transfers in and/or out of Level 3	—			—		—		—	—		—
Ending balance, September 30,	$	1,785		27,232		(4,021	)	3,579	29,852		(2,505	)
Total net gains (losses) for the nine months included in earnings attributable to the change in unrealized gains (losses) relating to assets and liabilities still held at September 30,	$	(88	)	(513	)	(2,731	)	—	(856	)	(801	)

^* Included in earnings as a component of non-interest income (expense).

	Three Months Ended September 30,
	2014							2013
(in thousands)	Investment Securities Available for Sale			Private Equity Investments		Other Derivative Contracts, Net		Investment Securities Available for Sale	Private Equity Investments	Other Derivative Contracts, Net
Beginning balance, July 1,	$	1,866		27,376		(2,438	)	3,454	29,568	(2,977	)
Total gains (losses) realized/unrealized:
Included in earnings*	—			(144	)	(1,979	)	—	284	—
Unrealized gains (losses) included in other comprehensive income	(81		)	—		—		125	—	—
Purchases	—			—		—		—	—	—
Sales	—			—		—		—	—	—
Issuances	—			—		—		—	—	—
Settlements	—			—		396		—	—	472
Amortization of discount/premium	—			—		—		—	—	—
Transfers in and/or out of Level 3	—			—		—		—	—	—
Ending balance, September 30,	$	1,785		27,232		(4,021	)	3,579	29,852	(2,505	)
Total net gains (losses) for the three months included in earnings attributable to the change in unrealized gains (losses) relating to assets and liabilities still held at September 30,	$	—		(144	)	(1,979	)	—	284	—

^* Included in earnings as a component of non-interest income (expense).

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Assets Measured at Fair Value on a Non-recurring Basis

From time to time, certain assets may be recorded at fair value on a non-recurring basis. These non-recurring fair value adjustments typically are a result of the application of lower of cost or fair value accounting or a write-down occurring during the period. For example, if the fair value of an asset in these categories falls below its cost basis, it is considered to be at fair value at the end of the period of the adjustment. The following table presents assets measured at fair value on a non-recurring basis as of the dates indicated for which there was a fair value adjustment during the period, according to the valuation hierarchy included in ASC 820-10.

	September 30, 2014					December 31, 2013
(in thousands)	Level 1		Level 2	Level 3	Total	Level 1	Level 2	Level 3	Total
Impaired loans*	$	—	—	37,790	37,790	—	—	170,693	170,693
Other loans held for sale	—		—	338	338	—	—	9,670	9,670
Other real estate	—		—	25,928	25,928	—	—	50,070	50,070
Other assets held for sale	$	—	—	7,744	7,744	—	—	4,945	4,945

The following table presents fair value adjustments recognized for the nine and three months ended September 30, 2014 and 2013 for the assets measured at fair value on a non-recurring basis.

	Nine Months Ended September 30,			Three Months Ended September 30,
(in thousands)	2014		2013	2014		2013
Impaired loans*	$	20,661	27,624	$	9,380	4,630
Other loans held for sale	285		2,844	285		2,833
Other real estate	7,343		5,919	4,114		1,406
Other assets held for sale	$	7,608	246	$	100	76

^* Impaired loans that are collateral-dependent.

Quantitative Information about Level 3 Fair Value Measurements

The tables below provide an overview of the valuation techniques and significant unobservable inputs used in those techniques to measure financial instruments that are classified within Level 3 of the valuation hierarchy. The range of sensitivities that management utilized in its fair value calculations is deemed acceptable in the industry with respect to the identified financial instruments. The tables below present both the total balance as of the dates indicated for assets measured at fair value on a recurring basis and the assets measured at fair value on a non-recurring basis for which there was a fair value adjustment during the period, according to the valuation hierarchy included in ASC 820-10.

35

September 30, 2014
(dollars in thousands)	Level 3 Fair Value	Valuation Technique	Significant Unobservable Input	Range (Weighted Average)(1)
Assets measured at fair value on a recurring basis
Investment Securities Available for Sale:
Other Investments:
Trust preferred securities	1,785	Discounted cash flow analysis	Credit spread embedded in discount rate	450-550 bps (500 bps)
Private equity investments	27,232	Individual analysis of each investee company	Multiple factors, including but not limited to, current operations, financial condition, cash flows, evaluation of business management and financial plans, and recently executed financing transactions related to the investee companies	N/A
Visa derivative liability	4,021	Internal valuation	Multiple factors, including but not limited to, management's estimate of the timing and amount of the Covered Litigation settlement, and the resulting payments due to the counterparty under the terms of the contract.	N/A

September 30, 2014
(dollars in thousands)	Level 3 Fair Value		Valuation Technique	Significant Unobservable Input	Range (Weighted Average)(1)
Assets measured at fair value on a non-recurring basis
Collateral dependent impaired loans	$	37,790	Third party appraised value of collateral less estimated selling costs	Discount to appraised value (2) Estimated selling costs	0% - 100% (48%) 0% - 10% (7%)
Other loans held for sale	338		Third party appraised value of collateral less estimated selling costs	Discount to appraised value (2) Estimated selling costs	0% - 23% (23%) 0% - 10% (7%)
Other real estate	25,928		Third party appraised value of collateral less estimated selling costs	Discount to appraised value (2) Estimated selling costs	0% - 38% (16%) 0% - 10% (7%)
Other assets held for sale	7,744		Third party appraised value of collateral less estimated selling costs or BOV	Discount to appraised value (2) Estimated selling costs	0%-100% (69%) 0%-10% (10%)

⁽¹⁾ The range represents management's best estimate of the high and low of the value that would be assigned to a particular input. For assets measured at fair value on a non-recurring basis, the weighted average is the measure of central tendencies; it is not the value that management is using for the asset or liability.

⁽²⁾ Synovus also makes adjustments to the values of the assets listed above for various reasons, including age of the appraisal, information known by management about the property, such as occupancy rates, changes to the physical conditions of the property, and other factors.

36

December 31, 2013
(dollars in thousands)	Level 3 Fair Value		Valuation Technique	Significant Unobservable Input	Range (Weighted Average)(1)
Assets measured at fair value on a recurring basis
Investment Securities Available for Sale:
Equity securities	$	628	Individual analysis of each investment	Multiple data points, including, but not limited to evaluation of past and projected business performance	N/A(3)
Other Investments:
Trust preferred securities	1,722		Discounted cash flow analysis	Credit spread embedded in discount rate	400-480 bps (441 bps)
Private equity investments	27,745		Individual analysis of each investee company	Multiple factors, including but not limited to, current operations, financial condition, cash flows, evaluation of business management and financial plans, and recently executed company transactions related to the investee companies	N/A
Visa derivative liability	2,706		Internal valuation	Multiple factors, including but not limited to, management's estimate of the timing and amount of the Covered Litigation settlement, and the resulting payments due to the counterparty under the terms of the contract.	N/A

December 31, 2013
(dollars in thousands)	Level 3 Fair Value		Valuation Technique	Significant Unobservable Input	Range (Weighted Average)(1)
Assets measured at fair value on a non-recurring basis
Collateral dependent impaired loans	$	170,693	Third party appraised value of collateral less estimated selling costs	Discount to appraised value (2) Estimated selling costs	0%-65% (25%) 0%-10% (7%)
Other loans held for sale	9,670		Third party appraised value of collateral less estimated selling costs	Discount to appraised value (2) Estimated selling costs	0%-12% (4%) 0%-10% (7%)
Other real estate	50,070		Third party appraised value of collateral less estimated selling costs	Discount to appraised value (2) Estimated selling costs	0%-7% (2%) 0%-10% (7%)
Other assets held for sale	4,945		Third party appraised value of collateral less estimated selling costs or BOV	Discount to appraised value (2) Estimated selling costs	5%-36% (20%) 0%-10% (7%)

⁽¹⁾ The range represents management's best estimate of the high and low of the value that would be assigned to a particular input. For assets measured at fair value on a non-recurring basis, the weighted average is the measure of central tendencies; it is not the value that management is using for the asset or liability.

⁽²⁾ Synovus also makes adjustments to the values of the assets listed above for various reasons, including age of the appraisal, information known by management about the property, such as occupancy rates, changes to the physical conditions of the property, and other factors.

⁽³⁾ The range has not been disclosed due to the wide range of possible values given the methodology used.

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Sensitivity Analysis of Level 3 Unobservable Inputs Measured on a Recurring Basis

Included in the fair value estimates of financial instruments carried at fair value on the consolidated balance sheet are those estimated in full or in part using valuation techniques based on assumptions that are not supported by observable market prices, rates, or other inputs. Unobservable inputs are assessed carefully, considering the current economic environment and market conditions. However, by their very nature, unobservable inputs imply a degree of uncertainty in their determination, because they are supported by little, if any, market activity for the related asset or liability.

Investment Securities Available for Sale

For the trust preferred securities in Level 3 assets, raising the credit spread, and raising the discount for lack of liquidity assumptions will result in a lower fair value measurement.

Private Equity Investments

In the absence of quoted market prices, inherent lack of liquidity, and the long-term nature of private equity investments, significant judgment is required to value these investments. The significant unobservable inputs used in the fair value measurement of private equity investments include current operations, financial condition, and cash flows, comparables and private sales, when available; and recently executed financing transactions related to investee companies. Significant increases or decreases in any of these inputs in isolation would result in a significantly lower or higher fair value measurement.

Visa Derivative Liability

The fair value of the Visa derivative contract is determined based on management's estimate of the timing and amount of the Covered Litigation settlement, and the resulting payments due to the counterparty under the terms of the contract. Significant increases (decreases) in any of these inputs in isolation could result in a significantly higher (lower) valuation of the Visa derivative liability.

Fair Value of Financial Instruments

The following table presents the carrying and fair values of financial instruments at September 30, 2014 and December 31, 2013. The fair value represents management’s best estimates based on a range of methodologies and assumptions. For financial instruments that are not recorded at fair value on the balance sheet, such as loans, interest bearing deposits (including brokered deposits), and long-term debt, the amounts disclosed in the notes should not be considered an estimate of the amount that would be realized if all such financial instruments were to be settled immediately. See Note 16 "Fair Value Accounting" to the consolidated financial statements of Synovus' 2013 Form 10-K for a description of valuation methodologies for assets and liabilities measured at fair value on a recurring and non-recurring basis and financial instruments that are not recorded at fair value on the balance sheet.

38

The carrying and estimated fair values of financial instruments, as well as the level within the fair value hierarchy, as of September 30, 2014 and December 31, 2013 are as follows:

	September 30, 2014
(in thousands)	Carrying Value		Estimated Fair Value	Level 1	Level 2	Level 3
Financial assets
Cash and cash equivalents	$	386,402	386,402	386,402	—	—
Interest bearing funds with Federal Reserve Bank	750,446		750,446	750,446	—	—
Interest earning deposits with banks	13,612		13,612	13,612	—	—
Federal funds sold and securities purchased under resale agreements	70,918		70,918	70,918	—	—
Trading account assets	12,705		12,705	97	12,608	—
Mortgage loans held for sale	72,333		72,333	—	72,333	—
Other loans held for sale	338		338	—	—	338
Investment securities available for sale	3,050,257		3,050,257	51,031	2,997,441	1,785
Private equity investments	28,326		28,326	—	1,094	27,232
Mutual funds held in Rabbi Trusts	10,817		10,817	10,817	—	—
Loans, net of deferred fees and costs	20,588,566		20,334,382	—	—	20,334,382
Derivative assets	31,322		31,322	—	31,322	—
Financial liabilities
Trading account liabilities	6,264		6,264	—	6,264	—
Non-interest bearing deposits	5,813,809		5,813,809	—	5,813,809	—
Interest bearing deposits	15,175,972		15,177,126	—	15,177,126	—
Federal funds purchased and securities sold under repurchase agreements	107,160		107,160	107,160	—	—
Salary stock units	728		728	728	—	—
Long-term debt	2,130,934		2,185,455	—	2,185,455	—
Derivative liabilities	$	35,030	35,030	—	31,009	4,021

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	December 31, 2013
(in thousands)	Carrying Value		Estimated Fair Value	Level 1	Level 2	Level 3
Financial assets
Cash and cash equivalents	$	469,630	469,630	469,630	—	—
Interest bearing funds with Federal Reserve Bank	644,528		644,528	644,528	—	—
Interest earning deposits with banks	24,325		24,325	24,325	—	—
Federal funds sold and securities purchased under resale agreements	80,975		80,975	80,975	—	—
Trading account assets	6,113		6,113	—	6,113	—
Mortgage loans held for sale	45,384		45,384	—	45,384	—
Other loans held for sale	10,685		10,685	—	—	10,685
Investment securities available for sale	3,199,358		3,199,358	26,716	3,170,292	2,350
Private equity investments	29,360		29,360	—	1,615	27,745
Mutual funds held in Rabbi Trusts	11,246		11,246	11,246	—	—
Loans, net of deferred fees and costs	20,057,798		19,763,708	—	—	19,763,708
Derivative assets	40,004		40,004	—	40,004	—
Financial liabilities
Trading account liabilities	1,763		1,763	—	1,763	—
Non-interest bearing deposits	5,642,751		5,642,751	—	5,642,751	—
Interest bearing deposits	15,234,039		15,244,020	—	15,244,020	—
Federal funds purchased and securities sold under repurchase agreements	148,132		148,132	148,132	—	—
Salary stock units	1,764		1,764	1,764	—	—
Long-term debt	2,033,141		2,095,720	—	2,095,720	—
Derivative liabilities	$	42,142	42,142	—	39,436	2,706

Note 11 - Derivative Instruments

As part of its overall interest rate risk management activities, Synovus utilizes derivative instruments to manage its exposure to various types of interest rate risk. These derivative instruments generally consist of interest rate swaps, interest rate lock commitments made to prospective mortgage loan customers, and commitments to sell fixed-rate mortgage loans. Interest rate lock commitments represent derivative instruments since it is intended that such loans will be sold.

Synovus may also utilize interest rate swaps to manage interest rate risks primarily arising from its core banking activities. These interest rate swap transactions generally involve the exchange of fixed and floating interest rate payment obligations without the exchange of underlying principal amounts. Swaps may be designated as either cash flow hedges or fair value hedges, as discussed below. As of September 30, 2014 and December 31, 2013, Synovus had no outstanding interest rate swap contracts utilized to manage interest rate risk.

Synovus is party to master netting arrangements with its dealer counterparties; however, Synovus does not offset assets and liabilities under these arrangements for financial statement presentation purposes.

Counterparty Credit Risk and Collateral

Entering into derivative contracts potentially exposes Synovus to the risk of counterparties’ failure to fulfill their legal obligations, including, but not limited to, potential amounts due or payable under each derivative contract. Notional principal amounts are often used to express the volume of these transactions, but the amounts potentially subject to credit risk are much smaller. Synovus assesses the credit risk of its dealer counterparties by regularly monitoring publicly available credit rating information and other market indicators. Dealer collateral requirements are determined via risk-based policies and procedures and in accordance with existing agreements. Synovus seeks to minimize dealer credit risk by dealing with highly rated counterparties and by obtaining collateral for exposures above certain predetermined limits. Management closely monitors credit conditions within the customer swap portfolio, which management deems to be of higher risk than dealer counterparties. Collateral is secured at origination and credit related fair value adjustments are recorded against the asset value of the derivative as deemed necessary based upon an analysis, which includes consideration of the current asset value of the swap, customer credit rating, collateral value, and customer standing with regards to its swap contractual obligations and other related matters. Such asset values fluctuate based upon changes in interest rates regardless of changes in notional amounts and changes in customer specific risk.

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Cash Flow Hedges

Synovus designates hedges of floating rate loans as cash flow hedges. These swaps hedge against the variability of cash flows from specified pools of floating rate prime based loans. Synovus calculates effectiveness of the hedging relationship quarterly using regression analysis. The effective portion of the gain or loss on the derivative instrument is reported as a component of other comprehensive income and reclassified into earnings in the same period or periods during which the hedged transactions affect earnings. Ineffectiveness from cash flow hedges is recognized in the consolidated statements of income as a component of other non-interest income. As of September 30, 2014, there were no cash flow hedges outstanding, and therefore, no cumulative ineffectiveness.

Synovus expects to reclassify from accumulated other comprehensive income (loss) $447 thousand of interest expense during the next twelve months as amortization of deferred losses are recorded.

Synovus did not terminate any cash flow hedges during 2014 or 2013. The remaining unamortized deferred net loss balance of all previously terminated cash flow hedges at September 30, 2014 and December 31, 2013 was $(1.2) million and $(1.6) million, respectively.

Fair Value Hedges

Synovus designates hedges of fixed rate liabilities as fair value hedges. These swaps hedge against the change in fair value of various fixed rate liabilities due to changes in the benchmark interest rate, LIBOR. Synovus calculates effectiveness of the fair value hedges quarterly using regression analysis. Ineffectiveness from fair value hedges is recognized in the consolidated statements of income as a component of other non-interest income. As of September 30, 2014, there were no fair value hedges outstanding, and therefore, no cumulative ineffectiveness.

Synovus did not terminate any fair value hedges during 2014 or 2013. The remaining unamortized deferred net gain balance on all previously terminated fair value hedges at September 30, 2014 and December 31, 2013 was $8.4 millionand $10.7 million, respectively. Synovus expects to reclassify from hedge-related basis adjustment, a component of long-term debt, $3.1 million of the deferred gain balance on previously terminated fair value hedges as a reduction to interest expense during the next twelve months as amortization of deferred gains is recorded.

Customer Related Derivative Positions

Synovus enters into interest rate swap agreements to facilitate the risk management strategies of a small number of commercial banking customers. Synovus mitigates this risk by entering into equal and offsetting interest rate swap agreements with highly rated third party financial institutions. The interest rate swap agreements are free-standing derivatives and are recorded at fair value on Synovus' consolidated balance sheet. Fair value changes are recorded in non-interest income in Synovus' consolidated statements of income. As of September 30, 2014, the notional amount of customer related interest rate derivative financial instruments, including both the customer position and the offsetting position, was $1.08 billion, a decrease of $107.8 million compared to December 31, 2013.

Visa Derivative

In conjunction with the sale of Class B shares of common stock issued by Visa to Synovus as a Visa USA member, Synovus entered into a derivative contract with the purchaser, which provides for settlements between the parties based upon a change in the ratio for conversion of Visa Class B shares to Visa Class A shares. The conversion ratio changes when Visa deposits funds to a litigation escrow established by Visa to pay settlements for certain litigation, for which Visa is indemnified by Visa USA members. The litigation escrow is funded by proceeds from Visa’s conversion of Class B shares. The fair value of the derivative contract was $4.0 million and $2.7 million at September 30, 2014 and December 31, 2013, respectively. The fair value of the derivative contract is determined based on management's estimate of the timing and amount of the Covered Litigation settlement, and the resulting payments due to the counterparty under the terms of the contract.

Mortgage Derivatives

Synovus originates first lien residential mortgage loans for sale into the secondary market and generally does not hold the originated loans for investment purposes. Mortgage loans are sold by Synovus for conversion to securities and the servicing of these loans is generally sold to a third-party servicing aggregator, or Synovus sells the mortgage loans as whole loans to investors either individually or in bulk on a servicing released basis.

Synovus enters into interest rate lock commitments for residential mortgage loans which commit us to lend funds to a potential borrower at a specific interest rate and within a specified period of time. Interest rate lock commitments that relate to the origination of mortgage loans that, if originated, will be held for sale, are considered derivative financial instruments under applicable accounting guidance. Outstanding interest rate lock commitments expose Synovus to the risk that the price of the mortgage loans underlying the commitments may decline due to increases in mortgage interest rates from inception of the rate lock to the funding of the loan.

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At September 30, 2014 and December 31, 2013, Synovus had commitments to fund at a locked interest rate, primarily fixed-rate mortgage loans to customers, in the amount of $78.0 million and $65.0 million, respectively. The fair value of these commitments resulted in a gain of $531 thousand and a loss of $682 thousand for the nine months ended September 30, 2014 and 2013, respectively, which was recorded as a component of mortgage banking income in the consolidated statements of income.

At September 30, 2014 and December 31, 2013, outstanding commitments to sell primarily fixed-rate mortgage loans amounted to $105.5 million and $92.0 million, respectively. Such commitments are entered into to reduce the exposure to market risk arising from potential changes in interest rates, which could affect the fair value of mortgage loans held for sale and outstanding rate lock commitments, which guarantee a certain interest rate if the loan is ultimately funded or granted by Synovus as a mortgage loan held for sale. The commitments to sell mortgage loans are at fixed prices and are scheduled to settle at specified dates that generally do not exceed 90 days. The fair value of outstanding commitments to sell mortgage loans resulted in a loss of $(1.2) million for the nine months ended September 30, 2014 and 2013, which was recorded as a component of mortgage banking income in the consolidated statements of income.

Collateral Contingencies

Certain derivative instruments contain provisions that require Synovus to maintain an investment grade credit rating from each of the major credit rating agencies. When Synovus’ credit rating falls below investment grade, these provisions allow the counterparties of the derivative instrument to demand immediate and ongoing full collateralization on derivative instruments in net liability positions and, for certain counterparties, request immediate termination. As Synovus’ current rating is below investment grade, Synovus is required to post collateral, as required by each agreement, against these positions. Additionally, as of June 10, 2013, the CCC became mandatory for certain trades as required under the Dodd-Frank Act. These derivative transactions also carry collateral requirements, both at the inception of the trade, and as the value of each derivative position changes. As trades are migrated to the CCC, dealer counterparty exposure will be reduced, and higher notional amounts of Synovus' derivative instruments will be housed at the CCC, a highly regulated and well-capitalized entity. As of September 30, 2014, collateral totaling $68.1 million consisting of Federal funds sold was pledged to the derivative counterparties, including $3.8 million with the CCC, to comply with collateral requirements.

The impact of derivative instruments on the consolidated balance sheets at September 30, 2014 and December 31, 2013 is presented below.

	Fair Value of Derivative Assets				Fair Value of Derivative Liabilities
(in thousands)	Location on Consolidated Balance Sheet	September 30, 2014		December 31, 2013	Location on Consolidated Balance Sheet	September 30, 2014		December 31, 2013
Derivatives not designated   as hedging instruments:
Interest rate contracts	Other assets	$	30,184	38,482	Other liabilities	$	30,689	39,436
Mortgage derivatives	Other assets	1,138		1,522	Other liabilities	320		—
Visa derivative		—		—	Other liabilities	4,021		2,706
Total derivatives not   designated as hedging   instruments		$	31,322	40,004		$	35,030	42,142

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The pre-tax effect of fair value hedges on the consolidated statements of income for the nine and three months ended September 30, 2014 and 2013 is presented below.

	Location of Gain (Loss) Recognized in Income	Gain (Loss) Recognized in Income
(in thousands)		Nine Months Ended September 30,
Derivatives not designated as hedging instruments		2014			2013
Interest rate contracts(1)	Other non-interest income	449			63
Mortgage derivatives(2)	Mortgage banking income	(704		)	(1,865	)
Total		$	(255	)	(1,802	)
	Location of Gain (Loss) Recognized in Income	Gain (Loss) Recognized in Income
(in thousands)		Three Months Ended September 30,
Derivatives not designated as hedging instruments		2014			2013
Interest rate contracts(1)	Other non-interest income	65			221
Mortgage derivatives(2)	Mortgage banking income	51			(6,806	)
Total		$	116		(6,585	)

⁽¹⁾ Gain (loss) represents net fair value adjustments (including credit related adjustments) for customer swaps and offsetting positions.

⁽²⁾ Gain (loss) represents net fair value adjustments recorded for interest rate lock commitments and commitments to sell mortgage loans to third party investors.

During the nine months ended September 30, 2014 and 2013, Synovus also reclassified $2.3 million and $2.5 million, respectively, from hedge-related basis adjustment, a component of long-term debt, as a reduction to interest expense. These deferred gains relate to hedging relationships that have been previously terminated and are reclassified into earnings over the remaining life of the hedged items.

Note 12 - Net Income Per Common Share

The following table displays a reconciliation of the information used in calculating basic and diluted earnings per common share for the nine and three months ended September 30, 2014 and 2013.

	Nine Months Ended September 30,			Three Months Ended September 30,
(in thousands, except per share data)	2014		2013	2014	2013
Basic Net Income Per Common Share:
Net income available to common shareholders	$	134,399	82,704	44,229	37,188
Weighted average common shares outstanding	138,989		123,652	139,043	136,671
Basic net income per common share	$	0.97	0.67	0.32	0.27
Diluted Net Income Per Common Share:
Net income available to common shareholders	$	134,399	82,704	44,229	37,188
Weighted average common shares outstanding	138,989		123,652	139,043	136,671
Potentially dilutive shares from assumed exercise of securities or other contracts to purchase Common Stock	611		8,823	683	426
Weighted average diluted common shares	139,600		132,476	139,726	137,097
Diluted net income per common share	$	0.96	0.62	0.32	0.27

A reverse stock split became effective on May 16, 2014, and Synovus' shares of common stock began trading on a post-split basis on the NYSE at the opening of trading on May 19, 2014. Share and per share amounts included in this Report for prior periods have been adjusted to reflect the one-for-seven reverse stock split.  

Basic net income per common share is computed by dividing net income by the average common shares outstanding for the period. Diluted net income per common share reflects the dilution that could occur if securities or other contracts to issue Common Stock were exercised or converted. The dilutive effect of outstanding options and restricted share units is reflected in diluted net income per common share, unless the impact is anti-dilutive, by application of the treasury stock method.

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During 2010, 13,800,000 units of tMEDS were issued through a public offering. On May 15, 2013, each remaining tMED automatically settled, and Synovus issued 17.6 million shares of Common Stock. As a result, these shares are no longer potentially dilutive shares from assumed exercise of these contracts to purchase Common Stock.

As of September 30, 2014 and 2013, there were 3.2 million and 3.6 million, respectively, potentially dilutive shares related to Common Stock options and Warrants to purchase shares of Common Stock that were outstanding during 2014 and 2013, but were not included in the computation of diluted net income per common share because the effect would have been anti-dilutive.

Note 13 - Share-based Compensation

General Description of Share-based Plans

Synovus has a long-term incentive plan under which the Compensation Committee of the Board of Directors has the authority to grant share-based awards to Synovus employees. At September 30, 2014, Synovus had a total of 7,550,907 shares of its authorized but unissued Common Stock reserved for future grants under the 2013 Omnibus Plan. The 2013 Omnibus Plan authorizes 8,571,429 common share equivalents available for grant, where grants of options count as one share equivalent and grants of full value awards (e.g., restricted share units, market restricted share units) count as 2 share equivalents. Any restricted share units that are forfeited and options that expire unexercised will again become available for issuance under the Plan. The Plan permits grants of share-based compensation including stock options, non-vested shares, and restricted share units. The grants generally include vesting periods ranging from two to five years and contractual terms of 10 years. Stock options are granted at exercise prices which equal the fair value of a share of common stock on the grant-date. Synovus has historically issued new shares to satisfy share option exercises and share unit conversions. Dividend equivalents are paid on outstanding restricted share units in the form of additional restricted share units that vest over the same vesting period or the vesting period left on the original restricted share unit grant.

Share-based Compensation Expense

Share-based compensation costs associated with employee grants are recorded as a component of salaries and other personnel expense in the consolidated statements of income. Share-based compensation costs associated with grants made to non-employee directors of Synovus are recorded as a component of other operating expenses. Share-based compensation expense for service-based awards is recognized net of estimated forfeitures for plan participants on a straight-line basis over the vesting period. Total share-based compensation expense was $7.5 million and $2.8 million for the nine and three months ended September 30, 2014 respectively, and $5.8 million and $2.3 million for the nine and three months ended September 30, 2013, respectively.

Stock Options

No stock option grants were made during the nine months ended September 30, 2014. At September 30, 2014, there were 2,615,051 options to purchase shares of Common Stock outstanding with a weighted average exercise price of $44.48.

Restricted Share Units, Performance Share Units, and Market Restricted Share Units

During the nine months ended September 30, 2014, Synovus awarded 407,374 restricted share units that have a service-based vesting period of three years and awarded 67,157 performance share units that vest upon service conditions and performance conditions. Synovus also granted 90,117 market restricted share units during the nine months ended September 30, 2014. The weighted average grant-date fair value of the awarded restricted share units, performance share units and market restricted share units was $23.76 per share. At September 30, 2014, including dividend equivalents granted, there were 1,084,659 restricted share units, performance share units and market restricted share units outstanding with a weighted average grant-date fair value of $20.59.

During the nine months ended September 30, 2014, Synovus also granted 30,786 salary stock units to senior management, which vested and were expensed immediately upon grant. Compensation expense is initially determined based on the number of salary stock units granted and the market price of Common Stock at the grant date. Subsequent to the grant date, compensation expense is recorded for changes in Common Stock market price. The total fair value of salary stock units granted during the nine months ended September 30, 2014 was $728 thousand. The salary stock units granted during 2014 are classified as liabilities and will be settled in cash on January 15, 2015.

Note 14 - Income Taxes

The valuation allowance for deferred tax assets was $15.2 million and $14.6 million at September 30, 2014 and December 31, 2013, respectively.  The $621 thousand increase in the valuation allowance from December 31, 2013 to September 30, 2014 is related to certain state income tax credits that are expected to expire before they can be utilized.  Management assesses the need for a valuation allowance for deferred tax assets at each reporting period. The determination of whether a valuation allowance for deferred tax assets is appropriate is subject to considerable judgment and requires an evaluation of all the positive and negative

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evidence.  Based on the assessment of all of the positive and negative evidence at September 30, 2014, management has concluded that it is more likely than not that $656.2 million of the net deferred tax asset will be realized based upon future taxable income.

Synovus expects to realize substantially all of the $656.2 million in net deferred tax assets well in advance of the statutory carryforward period. At September 30, 2014, $186.1 million of existing deferred tax assets are not related to net operating losses or credits and, therefore, have no expiration dates. Approximately $378.9 million of the remaining deferred tax assets relate to federal net operating losses which expire in years beginning in 2028 through 2032. Additionally, $54.0 million of the deferred tax assets relate to state NOLs which will expire in installments annually through the tax year 2034. Tax credit carryforwards at September 30, 2014 include federal alternative minimum tax credits totaling $25.3 million, which have an unlimited carryforward period. Other federal and state tax credits at September 30, 2014 total $27.1 million and have expiration dates through the tax year 2034.

The valuation allowance could fluctuate in future periods based on management's assessment of the positive and negative evidence. Management's conclusion at September 30, 2014 that it is more likely than not that the net deferred tax assets of $656.2 million will be realized is based upon management's estimate of future taxable income. Management's estimate of future taxable income is based on internal projections which consider historical performance, various internal estimates and assumptions, as well as certain external data, all of which management believes to be reasonable although inherently subject to significant judgment. If actual results differ significantly from the current estimates of future taxable income, the valuation allowance may need to be increased. Such an increase to the deferred tax asset valuation allowance could have a material adverse effect on Synovus' financial condition or results of operations.

Synovus is subject to income taxation in the United States and various state jurisdictions.  Synovus' federal income tax return is filed on a consolidated basis, while state income tax returns are filed on both a consolidated and separate entity basis. Currently, no years for which Synovus filed a Federal income tax return are under examination by the IRS. A state tax examination by the Tennessee Department of Revenue is currently in progress. Synovus is no longer subject to income tax examinations by the IRS for years before 2010, and excluding certain limited exceptions, Synovus is no longer subject to income tax examinations by state and local income tax authorities for years before 2009. Although Synovus is unable to determine the ultimate outcome of current and future examinations, Synovus believes that the liability recorded for uncertain tax positions is adequate.

Note 15 - Legal Proceedings

Synovus and its subsidiaries are subject to various legal proceedings and claims that arise in the ordinary course of its business. Additionally, in the ordinary course of business, Synovus and its subsidiaries are subject to regulatory examinations, information gathering requests, inquiries and investigations. Synovus, like many other financial institutions, has been the target of numerous legal actions and other proceedings asserting claims for damages and related relief for losses resulting from the recent financial crisis. These actions include claims and counterclaims asserted by individual borrowers related to their loans and allegations of violations of state and federal laws and regulations relating to banking practices, including several purported putative class action matters. In addition to actual damages if Synovus does not prevail in any asserted legal action, credit-related litigation could result in additional write-downs or charge-offs of assets, which could adversely affect Synovus' results of operations during the period in which the write-down or charge-off occurred.

Synovus carefully examines and considers each legal matter, and, in those situations where Synovus determines that a particular legal matter presents loss contingencies that are both probable and reasonably estimable, Synovus establishes an appropriate accrual. An event is considered to be probable if the future event is likely to occur. While the final outcome of any legal proceeding is inherently uncertain, based on the information currently available, advice of counsel and available insurance coverage, management believes that the amounts accrued with respect to legal matters as of September 30, 2014 are adequate. The actual costs of resolving legal claims may be higher or lower than the amounts accrued.

In addition, where Synovus determines that there is a reasonable possibility of a loss in respect of legal matters, including those legal matters described below, Synovus considers whether it is able to estimate the total reasonably possible loss or range of loss. An event is reasonably possible if the chance of the future event or events occurring is more than remote but less than likely. An event is remote if the chance of the future event occurring is slight. In many situations, Synovus may be unable to estimate reasonably possible losses due to the preliminary nature of the legal matters, as well as a variety of other factors and uncertainties. For those legal matters where Synovus is able to estimate a range of reasonably possible losses, management currently estimates the aggregate range from our outstanding litigation, including, without limitation, the matters described below, is from zero to $15 million in excess of the amounts accrued, if any, related to those matters. This estimated aggregate range is based upon information currently available to Synovus, and the actual losses could prove to be higher. As there are further developments in these legal matters, Synovus will reassess these matters, and the estimated range of reasonably possible losses may change as a result of this assessment. Based on Synovus' current knowledge and advice of counsel, management presently does not believe that the liabilities arising from these legal matters will have a material adverse effect on Synovus' consolidated financial condition,

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results of operations or cash flows. However, it is possible that the ultimate resolution of these legal matters could have a material adverse effect on Synovus' results of operations for any particular period.

Synovus intends to vigorously pursue all available defenses to these legal matters, but will also consider other alternatives, including settlement, in situations where there is an opportunity to resolve such legal matters on terms that Synovus considers to be favorable, including in light of the continued expense and distraction of defending such legal matters. Synovus also maintains insurance coverage, which may (or may not) be available to cover legal fees, or potential losses that might be incurred in connection with the legal matters described below. The above-noted estimated range of reasonably possible losses does not take into consideration insurance coverage which may or may not be available for the respective legal matters.

Securities Class Action

On July 7, 2009, the City of Pompano Beach General Employees' Retirement System filed suit against Synovus, and certain of Synovus' current and former officers, in the United States District Court, Northern District of Georgia (Civil Action File No. 1:09-CV-1811) (the “Securities Class Action”); and on June 11, 2010, Lead Plaintiffs, the Labourers' Pension Fund of Central and Eastern Canada and the Sheet Metal Workers' National Pension Fund, filed an amended complaint alleging that Synovus and the named individual defendants misrepresented or failed to disclose material facts that artificially inflated Synovus' stock price in violation of the federal securities laws. Lead Plaintiffs' allegations are based on purported exposure to Synovus' lending relationship with the Sea Island Company and the impact of such alleged exposure on Synovus' financial condition. Lead Plaintiffs in the Securities Class Action seek damages in an unspecified amount. On October 4, 2013, the Lead Plaintiffs and the Defendants reached a settlement-in-principle to settle the Securities Class Action. Under the settlement in principle, the Defendants shall cause to be paid $11.8 million to the Lead Plaintiffs (the “Securities Class Action Settlement Payment”) in exchange for broad releases, dismissal with prejudice of the Securities Class Action and other material and customary terms and conditions. On March 17, 2014, the Lead Plaintiffs filed a motion with the District Court for preliminary approval of the Securities Class Action Settlement Payment. The District Court granted preliminary approval of the Securities Class Action Settlement Payment on June 4, 2014. The hearing date for the final approval was originally scheduled for October 7, 2014, but has been postponed to November 18, 2014. Synovus expects that, subject to execution of an appropriate release of the Defendants’ insurance carriers and other customary acknowledgments by the Defendants, the Securities Class Action Settlement Payment will be fully covered by insurance. There can be no assurance that the settlement-in-principle will be finally approved by the District Court. In the event the settlement-in-principle of the Securities Class Action is not approved by the District Court and finally settled, Synovus and the individually named defendants collectively intend to vigorously defend themselves against the Securities Class Action.

Overdraft Litigation

Posting Order Litigation

On September 21, 2010, Synovus, Synovus Bank and CB&T were named as defendants in a putative multi-state class action relating to the manner in which Synovus Bank charges overdraft fees to customers (Posting Order Litigation). The case, Childs et al. v. Columbus Bank and Trust et al., was filed in the Northern District of Georgia, Atlanta Division, and asserts claims for breach of contract and breach of the covenant of good faith and fair dealing, unconscionability, conversion and unjust enrichment for alleged injuries suffered by plaintiffs as a result of Synovus Bank's assessment of overdraft charges in connection with its POS/debit and automated-teller machine cards allegedly resulting from the sequence used to post payments to the plaintiffs' accounts. On October 25, 2010, the Childs case was transferred to a multi-district proceeding in the Southern District of Florida. In Re: Checking Account Overdraft Litigation, MDL No. 2036.

On August 23, 2014, Synovus reached a settlement in principle with plaintiffs' counsel to settle the Posting Order Litigation. Under the settlement in principle, Synovus shall cause to be paid $3.75 million plus payment of $150,000 in settlement expenses (the "Posting Order Settlement Payment") in exchange for broad releases, dismissal with prejudice of the Posting Order Litigation and other material and customary terms and conditions. There can be no assurance that the settlement in principle will be approved by the District Court. In the event the settlement in principle of the posting Order Litigation is not approved by the District Court and finally settled, Synovus intends to vigorously defend itself against the Posting Order Litigation.

Assertion of Overdraft Fees as Interest Litigation

Synovus Bank was also named as a defendant in a putative state-wide class action in which the plaintiffs allege that overdraft fees charged to customers constitute interest and, as such, are usurious under Georgia law. The case, Griner et. al. v. Synovus Bank, et. al. was filed in Gwinnett County State Court (State of Georgia) on July 30, 2010, and asserts claims for usury, conversion and money had and received for alleged injuries suffered by the plaintiffs as a result of Synovus Bank's assessment of overdraft charges in connection with its POS/debit and automated-teller machine cards used to access customer accounts ("the Griner Overdraft Litigation"). Plaintiffs contend that such overdraft charges constitute interest and are therefore subject to Georgia usury laws. Synovus Bank contends that such overdraft charges constitute non-interest fees and charges under both federal and Georgia law and are otherwise exempt from Georgia usury limits.

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On February 3, 2014, the Gwinnett County State Court (State of Georgia) issued an order preliminarily approving the proposed settlement (the “Griner Settlement”) by and among Synovus Financial Corp. and Synovus Bank (collectively referred to herein as “Synovus”), and the plaintiffs in the Griner Overdraft Litigation. Under the terms of the Griner Settlement, Synovus has agreed to (1) establish a fund to pay eligible class member claims and (2) pay an agreed-upon amount of fees to counsel for the plaintiffs in the Griner Overdraft Litigation. In exchange, each purported class member in the Griner Overdraft Litigation will give Synovus a full and final general release of all claims alleged or that could be alleged in the Griner Overdraft Litigation. The final fairness hearing on the Griner Settlement was held on May 20, 2014, and the Griner Settlement was approved by the Court. Substantially all amounts owed by Synovus pursuant to the Griner Settlement have been paid as of the date of this Report.

ITEM 2. – MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

In this Report, the words “Synovus,” “the Company,” “we,” “us,” and “our” refer to Synovus Financial Corp. together with Synovus Bank and Synovus' other wholly-owned subsidiaries, except where the context requires otherwise.

FORWARD-LOOKING STATEMENTS

Certain statements made or incorporated by reference in this Report which are not statements of historical fact including those under "Management's Discussion and Analysis of Financial Condition and Results of Operations," and elsewhere in this Report, constitute forward-looking statements within the meaning of, and subject to the protections of, Section 27A of the Securities Act, and Section 21E of the Exchange Act. Forward-looking statements include statements with respect to Synovus' beliefs, plans, objectives, goals, targets, expectations, anticipations, assumptions, estimates, intentions and future performance and involve known and unknown risks, many of which are beyond Synovus' control and which may cause Synovus' actual results, performance or achievements or the commercial banking industry or economy generally, to be materially different from future results, performance or achievements expressed or implied by such forward-looking statements.

All statements other than statements of historical fact are forward-looking statements. You can identify these forward-looking statements through Synovus' use of words such as “believes,” “anticipates,” “expects,” “may,” “will,” “assumes,” “predicts,” “could,” “should,” “would,” “intends,” “targets,” “estimates,” “projects,” “plans,” “potential” and other similar words and expressions of the future or otherwise regarding the outlook for Synovus' future business and financial performance and/or the performance of the commercial banking industry and economy in general. Forward-looking statements are based on the current beliefs and expectations of Synovus' management and are subject to significant risks and uncertainties. Actual results may differ materially from those contemplated by such forward-looking statements. A number of factors could cause actual results to differ materially from those contemplated by the forward-looking statements in this document. Many of these factors are beyond Synovus' ability to control or predict. These factors include, but are not limited to:

(1) the risk that competition in the financial services industry may adversely affect our future earnings and growth;

(2) the risk that we may not realize the expected benefits from our efficiency and growth initiatives, which will negatively affect our future profitability;

(3) the risk that we may be required to make substantial expenditures to keep pace with the rapid technological changes in the financial services market;

(4) the risk that our enterprise risk management framework may not identify or address risks adequately, which may result in unexpected losses;

(5) the risk that our allowance for loan losses may prove to be inadequate or may be negatively affected by credit risk exposures;

(6) the risk that any future economic downturn could have a material adverse effect on our capital, financial condition, results of operations and future growth;

(7) the risk that we could realize additional losses if our levels of non-performing assets increase and/or if we determine to sell certain non-performing assets and the proceeds we receive are lower than the carrying value of such assets;

(8) changes in the interest rate environment and competition in our primary market area may result in increased funding costs or reduced earning assets yields, thus reducing margins and net interest income;

(9) the risk that if we pursue acquisitions in the future as part of our growth strategy, we may not be able to complete such acquisitions or successfully integrate bank or nonbank acquisitions into our existing operations;

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(10) risks related to a failure in or breach of our operational or security systems of our infrastructure, or those of our third-party vendors and other service providers, including as a result of cyber attacks, which could disrupt our businesses, result in the disclosure or misuse of confidential or proprietary information, damage our reputation, increase our costs or cause losses;

(11) risks related to our reliance on third parties to provide key components of our business infrastructure, including the costs of services and products provided to us by third parties, and risks related to disruptions in service or financial difficulties of a third-party vendor;

(12) the impact on our financial results, reputation, and business if we are unable to comply with all applicable federal and state regulations, or other supervisory actions or directives and any necessary capital initiatives;

(13) the impact of the Dodd-Frank Act, the capital requirements promulgated by the Basel Committee on Banking Supervision and other recent and proposed changes in governmental policy, laws and regulations, including proposed and recently enacted changes in the regulation of banks and financial institutions, or the interpretation or application thereof, including restrictions, increased capital requirements, limitations and/or penalties arising from banking, securities and insurance laws, enhanced regulations and examinations and restrictions on compensation;

(14) the risks that if economic conditions worsen or regulatory capital rules are modified, or the results of mandated “stress testing” do not satisfy certain criteria, we may be required to undertake additional strategic initiatives to improve our capital position;

(15) changes in the cost and availability of funding due to changes in the deposit market and credit market, or the way in which we are perceived in such markets, including a downgrade in our credit ratings;

(16) the impact on our borrowing costs, capital costs and our liquidity due to our status as a non-investment grade issuer;

(17) restrictions or limitations on access to funds from historical and alternative sources of liquidity could adversely affect our overall liquidity, which could restrict our ability to make payments on our obligations and our ability to support asset growth and sustain our operations and the operations of Synovus Bank;

(18) the risk that we may be unable to pay dividends on our Common Stock or Series C Preferred Stock or obtain any applicable regulatory approval to take certain capital actions, including any increases in dividends on our Common Stock, any repurchase of Common Stock (including repurchases under the recently announced share repurchase program) or any other issuance or redemption of any other regulatory capital instruments;

(19) our ability to receive dividends from our subsidiaries could affect our liquidity, including our ability to pay dividends or take other capital actions (including repurchases under the recently announced share repurchase program);

(20) the risk that for our deferred tax assets, we may be required to increase the valuation allowance in future periods, or we may not be able to realize all of the deferred tax assets in the future;

(21) the risk that we could have an “ownership change” under Section 382 of the IRC, which could impair our ability to timely and fully utilize our net operating losses and built-in losses that may exist when such “ownership change” occurs;

(22) risks related to recent and proposed changes in the mortgage banking industry, including the risk that we may be required to repurchase mortgage loans sold to third parties and the impact of the “ability to pay” and “qualified mortgage” rules on our loan origination process and foreclosure proceedings;

(23) the costs and effects of litigation, investigations, inquiries or similar matters, or adverse facts and developments related thereto;

(24) risks related to the fluctuation in our stock price;

(25) the effects of any damages to Synovus' reputation resulting from developments related to any of the items identified above; and

(26) other factors and other information contained in this Report, other reports and filings that we make with the SEC under the Exchange Act, including, without limitation, those found in “Part I-Item 1A. Risk Factors” of Synovus' 2013 Form 10-K.

For a discussion of these and other risks that may cause actual results to differ from expectations, refer to “Part I-Item 1A. Risk Factors” and other information contained in Synovus' 2013 Form 10-K and our other periodic filings, including quarterly reports on Form 10-Q and current reports on Form 8-K, that we file from time to time with the SEC. All written or oral forward-

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looking statements that are made by or are attributable to Synovus are expressly qualified by this cautionary notice. You should not place undue reliance on any forward-looking statements since those statements speak only as of the date on which the statements are made. Synovus undertakes no obligation to update any forward-looking information and statements, whether written or oral, to reflect events or circumstances after the date on which the statement is made or to reflect the occurrence of new information or unanticipated events, except as may otherwise be required by law.

INTRODUCTION AND CORPORATE PROFILE

Synovus Financial Corp. is a diversified financial services company and a registered financial holding company headquartered in Columbus, Georgia. Synovus provides integrated financial services including commercial and retail banking, financial management, insurance, and mortgage services to its customers through locally-branded banking divisions of its wholly-owned subsidiary bank, Synovus Bank, and other offices in Georgia, Alabama, South Carolina, Florida, and Tennessee.

The following financial review summarizes the significant trends affecting Synovus’ results of operations and financial condition for the nine and three months ended September 30, 2014 and 2013. This discussion supplements, and should be read in conjunction with, the unaudited interim consolidated financial statements and notes thereto contained elsewhere in this Report and the consolidated financial statements of Synovus, the notes thereto, and management’s discussion and analysis contained in Synovus’ 2013 Form 10-K.

Management's Discussion and Analysis of Financial Condition and Results of Operations consist of:

ŸDiscussion of Results of Operations - Reviews Synovus' financial performance, as well as selected balance sheet items,

items from the statements of income, and certain key ratios that illustrate Synovus' performance.

ŸCredit Quality, Capital Resources and Liquidity - Discusses credit quality, market risk, capital resources, and liquidity,

as well as performance trends. It also includes a discussion of liquidity policies, how Synovus obtains funding, and related

performance.

ŸAdditional Disclosures - provides comments on additional important matters including other contingencies, critical

accounting policies and non-GAAP financial measures used within this Report.

A reading of each section is important to understand fully the nature of our financial performance.

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DISCUSSION OF RESULTS OF OPERATIONS

Consolidated Financial Highlights

A summary of Synovus’ financial performance for the nine and three months ended September 30, 2014 and 2013 is set forth in the table below.

	Nine Months Ended September 30,					Three Months Ended September 30,
(dollars in thousands, except per share data)	2014			2013	Change	2014		2013	Change
Net interest income	$	611,829		605,861	1.0%	206,263		203,970	1.1%
Provision for loan losses	25,638			55,534	(53.8)	3,843		6,761	(43.2	)
Non-interest income	197,555			193,390	2.2	63,985		63,578	0.6
Non-interest expense	560,115			550,799	1.7	193,749		187,328	3.4
Adjusted non-interest expense(1)	503,313			502,618	0.1	166,754		171,038	(2.5	)
Income before income taxes	223,631			192,918	15.9	72,656		73,459	(1.1	)
Adjusted pre-tax, pre-credit costs income(1)	$	298,951		294,062	1.7	103,494		95,386	8.5
Net income	142,077			120,804	17.6	46,788		45,694	2.4
Net income available to common shareholders	134,399			82,704	62.5	44,229		37,188	18.9
Net income per common share, basic	0.97			0.67	44.6	0.32		0.27	16.9
Net income per common share, diluted	0.96			0.62	54.2	0.32		0.27	16.7
Net interest margin	3.39		%	3.41	(2) bps	3.37	%	3.40	(3) bps
Net charge-off ratio	0.41			0.75	(34) bps	0.24		0.47	(23) bps

	September 30, 2014			June 30, 2014	Sequential Quarter Change		September 30, 2013			Year Over Year Change
(dollars in thousands, except per share data)
Loans, net of deferred fees and costs	$	20,588,566		20,455,763	132,803		$	19,711,610		876,956
Total deposits	20,989,781			20,993,467	(3,686	)	20,973,856			15,925
Total average deposits	20,938,587			20,863,706	74,881		20,878,768			59,819
Core deposits(1)	19,422,847			19,544,047	(121,200	)	19,698,656			(275,809	)
Average core deposits(1)	19,443,967			19,462,539	(18,572	)	19,545,475			(101,508	)
Core deposits excluding time deposits(1)	$	16,182,007		16,377,551	(195,544	)	16,128,904			53,103
Non-performing assets ratio	1.57		%	1.77	(20) bps		2.96			(139) bps
Past due loans over 90 days	0.02			0.02	—		0.02			—
Tier 1 capital	$	2,553,764		2,500,491	53,273		$	2,292,758		261,006
Tier 1 common equity(1)	2,417,784			2,364,511	53,273		2,157,358			260,426
Total risk-based capital	3,005,346			2,958,274	47,072		2,835,108			170,238
Tier 1 capital ratio	11.19		%	11.01	18 bps		10.55		%	64 bps
Tier 1 common equity ratio(1)	10.60			10.42	18 bps		9.93			67 bps
Total risk-based capital ratio	13.17			13.03	14 bps		13.04			13 bps
Total shareholders’ equity to total assets ratio	11.60			11.47	13 bps		11.18			42 bps
Tangible common equity to tangible assets ratio(1)	11.04			10.91	13 bps		10.61			43 bps

⁽¹⁾  See reconciliation of “Non-GAAP Financial Measures” in this Report.

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Results for the Nine and Three Months Ended September 30, 2014

For the nine months ended September 30, 2014, net income available to common shareholders was $134.4 million, or $0.96 per diluted common share, compared to net income available to common shareholders of $82.7 million or $0.62 per diluted common share for the nine months ended September 30, 2013. For the three months ended September 30, 2014, net income available to common shareholders was $44.2 million, or $0.32 per diluted common share, compared to net income available to common shareholders of $37.2 million, or $0.27 per diluted common share, for the same period a year earlier. Net income available to common shareholders for the third quarter of 2014 was $51.3 million or $0.37 per diluted common share, excluding net litigation related expenses, restructuring charges, and Visa indemnification charges totaling $7.0 million after-tax. For the nine months ended September 30, 2014, results included a $5.8 million net gain from the Memphis transaction, a $3.1 million gain on a branch property sale, $17.1 million in restructuring charges, $12.3 million in charges related to litigation settlements, and a benefit of $3.6 million from a net insurance recovery for incurred legal fees related to litigation. Results for the nine months ended September 30, 2013 included $7.3 million in restructuring charges and dividends and accretion of discount on preferred stock of $38.1 million. The third quarter of 2014 included net expense of $11.5 million from net litigation related expenses, restructuring charges, and Visa indemnification charges compared to $687 thousand in restructuring charges for the same period a year earlier.

Results for the nine months ended September 30, 2014 reflect continued broad-based improvement in credit quality as the NPL ratio declined to 1.18% at September 30, 2014 from 1.27% at June 30, 2014 and 2.29% a year ago. Credit costs continued to decline and totaled $50.3 million for the nine months ended September 30, 2014, compared to $95.6 million for the nine months ended September 30, 2013. For the three months ended September 30, 2014, credit costs were $15.7 million compared to $22.4 million for the same period a year ago. Net charge-offs for the three months ended September 30, 2014 totaled $12.3 million or 0.24% of average loans annualized, down $23.1 million from $35.4 million in the second quarter of 2014. The year-to-date net charge-off ratio is 0.41%, compared to 0.75% for the nine months ended September 30, 2013. Total non-performing assets were $324.4 million at September 30, 2014, down $38.8 million or 10.7% from the previous quarter, and down $262.5 million or 44.7% from the third quarter of 2013.

Adjusted pre-tax, pre-credit costs income (which excludes provision for loan losses, other credit costs, restructuring charges, securities gains and losses, gain on the Memphis transaction, litigation settlement expenses, and certain other items) was $299.0 million for the nine months ended September 30, 2014 with $103.5 million reported for the three months ended September 30, 2014 and $98.9 million reported for the three months ended June 30, 2014. The sequential quarter increase of $4.6 million in adjusted pre-tax, pre-credit costs income included a $2.7 million decline in adjusted non-interest expense, a $1.2 million increase in net interest income (loan growth and one more calendar day partially offset by a 4 bp decline in the net interest margin), and a $598 thousand increase in non-interest income. Compared to the nine months ended September 30, 2013, adjusted pre-tax, pre-credit costs income grew $4.9 million primarily from year-over-year loan growth of $877.0 million or 4.4%. See reconciliation of "Non-GAAP Financial Measures" in this Report.

The net interest margin declined four basis points to 3.37% in the third quarter of 2014 from 3.41% in the second quarter of 2014 and compares to 3.40% for the third quarter of 2013. The yield on earning assets was 3.81%, a decline of five basis points from the second quarter of 2014, and the effective cost of funds declined one basis point to 0.44%. Compared to the third quarter of 2013, the yield on earning assets declined eight basis points from 3.89% and the effective cost of funds declined five basis points from 0.49%.

At September 30, 2014, total loans outstanding were $20.59 billion, a sequential quarter increase of $132.8 million, or 2.6% annualized, driven by growth in retail and commercial real estate loans. Year-over-year, total loans grew $877.0 million or 4.4%.

At September 30, 2014, total deposits were $20.99 billion and total average deposits were $20.94 billion, with total average deposits up $75.0 million or 1.4% annualized from the previous quarter. Average core deposits ended the quarter at $19.44 billion, down $18.6 million compared to the second quarter of 2014. See reconciliation of "Non-GAAP Financial Measures" in this Report.

Total shareholders' equity was $3.08 billion at September 30, 2014, up from $2.95 billion at December 31, 2013.

Recent Developments

On October 21, 2014, Synovus announced a common stock repurchase program of up to $250 million and a 43% increase in the quarterly Common Stock dividend. The share repurchase program expires on October 23, 2015. The quarterly Common Stock dividend increase from $0.07 to $0.10 per share will be effective with the quarterly dividend payable in January 2015.

On April 24, 2014, at Synovus' 2014 Annual Shareholders' Meeting ("Annual Meeting"), Synovus’ shareholders approved a proposal authorizing Synovus’ Board of Directors to effect a one-for-seven reverse stock split of Synovus’ common stock. Following the Annual Meeting, Synovus’ Board of Directors authorized the one-for-seven reverse stock split.  The reverse stock split became effective on May 16, 2014, and Synovus' shares of common stock began trading on a post-split basis on the New York Stock

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Exchange (NYSE) at the opening of trading on May 19, 2014. All prior periods presented in this Report have been adjusted to reflect the one-for-seven reverse stock split. Financial information updated by this capital change includes earnings per common share, dividends per common share, stock price per common share, weighted average common shares, outstanding common shares, treasury shares, common stock, additional paid-in capital, and share-based compensation.   

Additionally, on April 24, 2014, Synovus’ shareholders also approved an amendment to Synovus’ articles of incorporation to increase the number of authorized shares of Synovus’ common stock from 1.2 billion shares to 2.4 billion shares. Synovus effected the increase in the number of authorized shares on April 24, 2014. Upon the reverse stock split effective date, the number of Synovus’ authorized shares of common stock were proportionately reduced from 2.4 billion shares to 342.9 million shares.

Changes in Financial Condition

During the nine months ended September 30, 2014, total assets increased $317.5 million from $26.20 billion at December 31, 2013 to $26.52 billion. The principal component of this increase was growth of $530.8 million in loans net of deferred fees and costs. Additionally, mortgage loans held for sale increased $26.9 million and interest bearing funds with the Federal Reserve Bank increased $105.9 million. These increases were partially offset by a $149.1 million decrease in investment securities available for sale, an $88.5 million decrease in net deferred tax assets, an $83.2 million decrease in cash and cash equivalents, and a $31.0 million decline in other real estate. The increase in funding sources utilized to support asset growth was driven by a $97.8 million increase in long-term debt with increased utilization of FHLB advances and a $113.0 million increase in total deposits with increases in brokered deposits of $472.9 million.

Loans

The following table compares the composition of the loan portfolio at September 30, 2014, December 31, 2013, and September 30, 2013.

(dollars in thousands)	September 30, 2014			December 31, 2013		September 30, 2014 vs. December 31, 2013 % Change(1)		September 30, 2013			September 30, 2014 vs. September 30, 2013 % Change
Investment properties	$	5,019,046		4,616,485		11.7	%	$	4,541,245		10.5	%
1-4 family properties	1,137,554			1,185,060		(5.4	)	1,188,178			(4.3	)
Land acquisition	588,779			705,431		(22.1	)	729,095			(19.2	)
Total commercial real estate	6,745,379			6,506,976		4.9		6,458,518			4.4
Commercial, financial and agricultural	6,003,409			5,895,265		2.5		5,728,357			4.8
Owner-occupied	4,013,666			4,036,186		(0.7	)	3,977,068			0.9
Total commercial and industrial	10,017,075			9,931,451		1.2		9,705,425			3.2
Home equity lines	1,685,972			1,587,541		8.3		1,549,582			8.8
Consumer mortgages	1,621,904			1,519,068		9.1		1,482,861			9.4
Credit cards	253,853			256,846		(1.6	)	253,805			—
Other retail	293,232			284,778		4.0		286,421			2.4
Total retail	3,854,961			3,648,233		7.6		3,572,669			7.9
Total loans	20,617,415			20,086,660		3.5		19,736,612			4.5
Deferred fees and costs, net	(28,849		)	(28,862	)	(0.1	)	(25,002		)	15.4
Total loans, net of deferred fees and costs	$	20,588,566		20,057,798		3.5	%	$	19,711,610		4.4	%

⁽¹⁾ Percentage changes are annualized

At September 30, 2014, total loans were $20.59 billion, an increase of $877.0 million or 4.4% compared to September 30, 2013.

Commercial Loans

Total commercial loans (which are comprised of C&I and CRE loans) at September 30, 2014 were $16.76 billion or 81.3% of the total loan portfolio compared to $16.44 billion, or 81.9%, at December 31, 2013 and $16.16 billion, or 81.9%, at September 30, 2013.

At both September 30, 2014 and December 31, 2013, Synovus had 25 commercial loan relationships with total commitments of $50 million or more (including amounts funded). The average funded balance of these relationships at September 30, 2014 and December 31, 2013 was approximately $37 million and $41 million, respectively.

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Commercial and Industrial Loans

The C&I portfolio represents the largest category of Synovus' total loan portfolio and is currently concentrated on small to middle market commercial and industrial lending disbursed throughout a diverse group of industries in the Southeast, including health care and social assistance, finance and insurance, manufacturing, construction, real estate leasing, wholesale trade, and retail trade as shown in the following table. The portfolio is relationship focused and, as a result, Synovus' lenders have in-depth knowledge of the borrowers, most of which have guaranty arrangements. C&I loans are primarily originated through Synovus' local market banking divisions and made to commercial customers primarily to finance capital expenditures, including real property, plant and equipment, or as a source of working capital. In accordance with Synovus' uniform lending policy, each loan undergoes a detailed underwriting process which incorporates uniform underwriting standards and oversight in proportion to the size and complexity of the lending relationship. Approximately91% of Synovus' C&I loans are secured by real estate, business equipment, inventory, and other types of collateral.

Total C&I loans at September 30, 2014 were $10.02 billion, or 48.6% of the total loan portfolio compared to $9.93 billion, or 49.5% of the total loan portfolio at December 31, 2013 and $9.71 billion, or 49.2% of the total loan portfolio at September 30, 2013. C&I loans grew $85.6 million or 1.2% annualized from December 31, 2013, driven by increases in commercial, financial, and agricultural loans.

Commercial and Industrial Loans by Industry	September 30, 2014				December 31, 2013
(dollars in thousands)	Amount		%(1)		Amount		%(1)
Health care and social assistance	$	1,723,828	17.2	%	1,608,071		16.2	%
Manufacturing	902,258		9.0	%	915,116		9.2	%
Retail trade	787,641		7.9	%	757,719		7.6	%
Real estate other	766,338		7.6	%	802,566		8.1	%
Wholesale trade	606,977		6.1	%	612,045		6.2	%
Real estate leasing	574,879		5.7	%	586,548		5.9	%
Professional, scientific, and technical services	555,333		5.5	%	505,668		5.1	%
Finance and insurance	527,753		5.3	%	580,170		5.8	%
Accommodation and food services	447,065		4.5	%	429,454		4.3	%
Construction	437,434		4.4	%	490,839		4.9	%
Agriculture, forestry, fishing, and hunting	369,468		3.7	%	306,552		3.1	%
Transportation and warehousing	239,430		2.4	%	215,027		2.2	%
Educational services	227,670		2.3	%	233,543		2.4	%
Mining	169,726		1.7	%	203,815		2.1	%
Arts, entertainment, and recreation	150,100		1.5	%	168,413		1.7	%
Other services	875,595		8.7	%	915,993		9.2	%
Other industries	655,580		6.5	%	599,912		6.0	%
Total commercial and industrial loans	$	10,017,075	100.0	%	$	9,931,451	100.0	%

^{(1) Loan balance in each category expressed as a percentage of total commercial and industrial loans.} 

Synovus has actively invested in additional expertise, product offerings, and product quality to provide its C&I clients with increased and enhanced product offerings and customer service. Complementing this investment in C&I, management continues to focus on streamlining and enhancing Synovus' existing product lines, especially for traditional retail, small business, and professional services customers.

The Corporate Banking Group provides lending solutions to larger corporate clients and includes specialty units such as syndications, senior housing, and equipment finance. These units partner with Synovus' local bankers to build relationships across the five-state footprint, as well as the Southeastern and Southwestern United States. To date, loan syndications consist primarily of loans where Synovus is participating in the credit (versus being the lead bank). Senior housing loans are typically extended to borrowers in the assisted living or skilled nursing facilities sectors. The Corporate Banking Group also originates loans and participates in loans to well-capitalized public companies and larger private companies that operate in the five-state footprint as well as other states in the Southeast. The Equipment Financing Group was formed in late 2013 and is expected to drive loan growth with small, middle, and large commercial banking customers in future periods. The formation of this group further strengthens the equipment financing line of business and signals Synovus' continued commitment to offer a broad range of expertise, products, and services to commercial customers.

At September 30, 2014, $4.01 billion of total C&I loans, or 19.5% of the total loan portfolio, represented loans originated for the purpose of financing owner-occupied properties. The primary source of repayment on these loans is revenue generated from

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products or services offered by the business or organization. The secondary source of repayment on these loans is the real estate. These loans are predominately secured by owner-occupied properties and other real estate. Other types of collateral securing these loans consist primarily of marketable equipment, marketable inventory, accounts receivable, equity and debt securities, and time deposits.

At September 30, 2014, $6.00 billion of total C&I loans, or 29.1% of the total loan portfolio, represented loans originated for the purpose of financing commercial, financial, and agricultural business activities. The primary source of repayment on these loans is revenue generated from products or services offered by the business or organization. The secondary source of repayment is the collateral, which consists primarily of equipment, inventory, accounts receivable, time deposits, and other business assets.

Commercial Real Estate Loans

CRE loans consist of investment properties loans, 1-4 family properties loans, and land acquisition loans. CRE loans are primarily originated through Synovus' local market banking divisions. These loans are subject to the same uniform lending policies referenced above. Total CRE loans, which represent 32.7% of the total loan portfolio at September 30, 2014, were $6.75 billion compared to $6.51 billion or 32.4% of the total loan portfolio at December 31, 2013 and $6.46 billion or 32.7% of the total loan portfolio at September 30, 2013. CRE loans grew $238.4 million or 4.9% annualized from December 31, 2013 and $286.9 million or 4.4% from September 30, 2013 primarily as a result of growth in investment properties loans being partially offset by planned reductions in land acquisition and 1-4 family properties loans.

Investment Properties Loans

Total investment properties loans as of September 30, 2014 were $5.02 billion, or 74.4% of the total CRE portfolio and 24.4% of the total loan portfolio, compared to $4.62 billion or 70.9% of the total CRE portfolio, and 23.0% of the total loan portfolio at December 31, 2013, an increase of $402.6 million or 11.7% annualized primarily due to initiatives to grow this portion of the loan portfolio. Investment properties loans consist of construction and mortgage loans for income producing properties and are primarily made to finance multi-family properties, hotels, office buildings, shopping centers, warehouses, and other commercial development properties. Synovus' investment properties portfolio is well diversified with no concentration by property type, geography (other than the fact that most of these loans are in Synovus' primary market areas of Georgia, Alabama, Tennessee, South Carolina, and Florida), or tenants. These loans have been underwritten with stressed interest rates and vacancies with short-term maturities (four years or less) allowing for restructuring opportunities that reduce Synovus' overall risk exposure. The investment properties loans are primarily secured by the property being financed by the loans; however, these loans may also be secured by real estate or other assets beyond the property being financed.

1-4 Family Properties Loans

At September 30, 2014, 1-4 family properties loans totaled $1.14 billion, or 16.9% of the total CRE portfolio and 5.5% of the total loan portfolio, compared to $1.19 billion, or 18.2% of the total CRE portfolio and 5.9% of the total loan portfolio at December 31, 2013. 1-4 family properties loans include construction loans to homebuilders, commercial mortgage loans to real estate investors, and residential development loans to developers and are almost always secured by the underlying property being financed by such loans. These properties are primarily located in the markets served by Synovus. Underwriting standards for these types of loans include stricter approval requirements as well as more stringent underwriting standards than current regulatory guidelines. Construction and residential development loans are generally interest-only loans and typically have maturities of three years or less, and 1-4 family rental properties generally have maturities of three to five years, with amortization periods of up to fifteen to twenty years. Although housing and real estate markets in the five Southeastern states within Synovus' footprint have stabilized, Synovus has continued to reduce its exposure to these types of loans.

Land Acquisition Loans

Total land acquisition loans were $588.8 million at September 30, 2014, or 2.8% of the total loan portfolio, a decline of $116.7 million or 22.1% annualized from December 31, 2013. Land acquisition loans are secured by land held for future development, typically in excess of one year. These loans have short-term maturities and are typically unamortized. Land securing these loans is substantially within the Synovus footprint, and loan terms generally include personal guarantees from the principals. Loans in this portfolio are underwritten based on the loan to value of the collateral and the capacity of the guarantor(s). Generally, the maximum loan-to-value at the time of origination or refinancing is aligned with regulatory requirements. Synovus has continued to reduce its exposure to these types of loans.

Retail Loans

Retail loans at September 30, 2014 totaled $3.85 billion, representing 18.7% of the total loan portfolio compared to $3.65 billion, or 18.1% of the total loan portfolio at December 31, 2013 and $3.57 billion or 18.1% of the total loan portfolio at September 30, 2013. Retail loans increased by $206.7 million or 7.6% annualized from December 31, 2013 primarily due to targeted efforts around certain products including portfolio mortgages and HELOCs.

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The retail loan portfolio consists of a wide variety of loan products offered through Synovus' banking network, including first and second residential mortgages, HELOCs, credit card, automobile, and other retail loans. The majority of Synovus' retail loans are consumer mortgages and home equity lines secured by first and second liens on residential real estate primarily located in the markets served by Synovus in Georgia, Florida, South Carolina, Alabama, and Tennessee. Substantially all retail loans are to in-market borrowers with no indirect lending products, which increases opportunities for cross-selling. Credit card loans totaled $253.9 million at September 30, 2014, including $60.3 million of commercial credit card loans. The commercial credit card loans relate to Synovus' commercial and small business customers who utilize corporate credit cards for various business activities.

Retail loans are subject to uniform lending policies and consist primarily of loans with strong borrower credit scores (most recently measured as of June 30, 2014). At June 30, 2014 and December 31, 2013, weighted-average FICO scores within the residential real estate portfolio were 771 and 768 (HELOC), respectively, and 732 and 720 (consumer mortgages), respectively. Conservative debt-to-income ratios (average HELOC debt to income ratio of loans originated) were maintained in both the second and third quarters of 2014 at 30.0%. HELOC utilization rates (total amount outstanding as a percentage of total available lines) of 61.5% and 61.3% at September 30, 2014 and December 31, 2013, respectively, and loan-to-value ratios based upon prudent guidelines were maintained to ensure consistency with Synovus' overall risk philosophy. At September 30, 2014, 34% of our home equity lines balances were secured by a first lien while 66% were secured by a second lien. Apart from credit card loans and unsecured loans, Synovus does not originate loans with LTV ratios greater than 100% at origination except for infrequent situations provided that certain underwriting requirements are met. Additionally, at origination, loan maturities are determined based on the borrower's ability to repay (cash flow or earning power of the borrower that represents the primary source of repayment) and the collateralization of the loan, including the economic life of the asset being pledged. Collateral securing these loans provides a secondary source of repayment in that the collateral may be liquidated. Synovus determines the need for collateral on a case-by-case basis. Factors considered include the purpose of the loan, current and prospective credit-worthiness of the customer, terms of the loan, and economic conditions.

Risk levels 1-6 (descending) are assigned based upon a risk score matrix. At least annually, the retail loan portfolio data is sent to a consumer credit reporting agency for a refresh of customers' credit scores. The most recent credit score refresh was completed as of June 30, 2014. Management reviews the refreshed scores to monitor the credit risk migration of the retail loan portfolio, which impacts the allowance for loan losses. Management also considers the results from the refreshed scores for possible changes in underwriting policies. Revolving lines of credit are regularly reviewed for any material change in financial circumstances, and when appropriate, the line of credit may be suspended.

Higher-risk consumer loans as defined by the FDIC are consumer loans (excluding consumer loans defined as nontraditional mortgage loans) where, as of the origination date or, if the loan has been refinanced, as of the refinance date, the probability of default within two years is greater than 20%, as determined using a defined historical stress period. These loans are not a part of Synovus' retail lending strategy, and Synovus does not currently develop or offer specific higher-risk consumer loans, alt-A, no documentation or stated income retail residential real estate loan products. Synovus estimates that, as of September 30, 2014, it had $139.3 million of higher-risk consumer loans (3.6% of the retail portfolio and 0.7% of the total loan portfolio). Included in this amount is approximately$16 million of accruing TDRs. Synovus makes retail lending decisions based upon a number of key credit risk determinants including credit scores, bankruptcy predictor scores, loan-to-value ratios, and debt-to-income ratios. Prior to 2009, Synovus Mortgage originated Fannie Mae alt-A loans which were generally sold into the secondary market. Synovus Mortgage no longer originates such loans, and as of September 30, 2014, the balance of such loans remaining on the balance sheet was less than $1 million.

Other Real Estate

The carrying value of ORE was $81.6 million, $112.6 million, and $126.6 million at September 30, 2014, December 31, 2013, and September 30, 2013, respectively. As of September 30, 2014, the ORE carrying value reflects cumulative write-downs totaling approximately $85 million, or 51% of the related loans' unpaid principal balance. During the nine months ended September 30, 2014 and 2013, $35.5 million and $76.2 million, respectively,of loans and other loans held for sale were foreclosed and transferred to other real estate at fair value less costs to sell. During the nine months ended September 30, 2014 and 2013, Synovus recognized foreclosed real estate expense, net, of $18.8 million and $28.8 million, respectively. These expenses included write-downs for declines in fair value of ORE subsequent to the date of foreclosure and net realized losses resulting from sales transactions totaling $16.7 million and $22.7 million for the nine months ended September 30, 2014 and 2013, respectively.

At foreclosure, ORE is reported at the lower of cost or fair value less estimated selling costs, which establishes a new cost basis. Subsequent to foreclosure, ORE is evaluated quarterly and reported at fair value less estimated selling costs, not to exceed the new cost basis, determined on the basis of current appraisals, comparable sales and other estimates of fair value obtained principally from independent sources, adjusted for estimated selling costs. Management also considers other factors or recent developments such as changes in absorption rates or market conditions from the time of valuation and anticipated sales values considering management's plans for disposition, which could result in an adjustment to lower the collateral value estimates indicated

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in the appraisals. At the time of foreclosure or initial possession of collateral, any excess of the loan balance over the fair value of the real estate held as collateral, less costs to sell, is recorded as a charge against the allowance for loan losses.

Synovus' objective is to dispose of ORE properties in a timely manner and to maximize net sale proceeds. Synovus has a centralized managed assets division, with the specialized skill set to facilitate this objective. While there is not a defined timeline for their sale, ORE properties are actively marketed through unaffiliated third parties, including real estate brokers and real estate auctioneers. Sales are made on an opportunistic basis, as acceptable buyers and terms are identified. In addition, Synovus may also decide to sell ORE properties in bulk asset sales to unaffiliated third parties, in which case the typical period of marketing the property will likely not occur. In some cases, Synovus is approached by potential buyers of ORE properties or Synovus may contact independent third parties who we believe might have an interest in an ORE property.

Deposits

Deposits provide the most significant funding source for interest earning assets. The following table shows the relative composition of deposits as of the dates indicated.

Composition of Deposits
(dollars in thousands)	September 30, 2014		%(1)		December 31, 2013		%(1)		September 30, 2013		%(1)
Non-interest bearing demand deposits	$	5,813,809	27.7	%	$	5,642,751	27.0	%	$	5,358,659	25.5	%
Interest bearing demand deposits	3,744,560		17.8		3,969,634		19.0		4,038,710		19.3
Money market accounts, excluding brokered deposits	5,978,518		28.5		6,069,548		29.1		6,124,544		29.2
Savings deposits	645,120		3.1		602,655		2.9		606,991		2.9
Time deposits, excluding brokered deposits	3,240,840		15.4		3,498,200		16.8		3,569,752		17.0
Brokered deposits	1,566,934		7.5		1,094,002		5.2		1,275,200		6.1
Total deposits	$	20,989,781	100.0		$	20,876,790	100.0		$	20,973,856	100.0
Core deposits(2)	$	19,422,847	92.5		$	19,782,788	94.8		$	19,698,656	93.9
Core deposits excluding time deposits(2)	$	16,182,007	77.1	%	$	16,284,588	78.0	%	$	16,128,904	76.9	%

⁽¹⁾ Deposits balance in each category expressed as percentage of total deposits.

⁽²⁾ See reconciliation of “Non-GAAP Financial Measures” in this Report.

Total deposits at September 30, 2014 increased $113.0 million, or 0.7% annualized, from December 31, 2013; excluding the impact of the Memphis transaction, total deposits increased $304.3 million or 1.9% annualized compared to December 31, 2013. Core deposits excluding the impact from the Memphis transaction were down $168.6 million or 1.1% annualized compared to December 31, 2013 and down $84.5 million or 0.4% compared to September 30, 2013. Non-interest bearing demand deposits as a percentage of total deposits was 27.7% at September 30, 2014, compared to 27.0% at December 31, 2013 and 25.5% at September 30, 2013. See reconciliation of “Non-GAAP Financial Measures” in this Report.

Time deposits of $100,000 and greater at September 30, 2014, December 31, 2013 and September 30, 2013 were $3.31 billion, $2.91 billion, and $3.13 billion respectively, and included brokered time deposits of $1.39 billion, $880.8 million, and $1.07 billion, respectively. These larger deposits represented 15.8%, 13.9%, and 14.9% of total deposits at September 30, 2014, December 31, 2013, and September 30, 2013, respectively, and included brokered time deposits which represented 6.6%, 4.2%, and 5.1% of total deposits at September 30, 2014, December 31, 2013, and September 30, 2013, respectively.

At September 30, 2014, total brokered deposits represented 7.5% of Synovus' total deposits compared to 5.2% and 6.1% of total deposits at December 31, 2013, and September 30, 2013, respectively.

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Net Interest Income

The following table summarizes the components of net interest income for the nine and three months ended September 30, 2014 and 2013, including the tax-equivalent adjustment that is required in making yields on tax-exempt loans and investment securities comparable to taxable loans and investment securities. The taxable-equivalent adjustment is based on a 35% Federal income tax rate.

Net Interest Income	Nine Months Ended September 30,			Three Months Ended September 30,
(in thousands)	2014		2013	2014		2013
Interest income	$	693,989	695,755	$	233,394	233,852
Taxable-equivalent adjustment	1,306		1,703	408		529
Interest income, taxable equivalent	695,295		697,458	233,802		234,381
Interest expense	82,160		89,894	27,131		29,882
Net interest income, taxable equivalent	$	613,135	607,564	$	206,671	204,499

Non-interest Income

Non-interest income for the nine and three months ended September 30, 2014 was $197.6 million and $64.0 million, respectively, up $4.2 million, or 2.2%, compared to the nine months ended September 30, 2013, and up $407 thousand, or 0.6%, compared to the three months ended September 30, 2013. Adjusted non-interest income, which excludes net investment securities gains and the current year net gain of $5.8 million from the Memphis transaction, declined $384 thousand, or 0.2%, for the nine months ended September 30, 2014, compared to the same period a year ago, driven by declines in mortgage banking income. For the three months ended September 30, 2014, adjusted non-interest income increased $1.5 million, or 2.5%, compared to the same period in 2013, with increases in service charges on deposit accounts, fiduciary and asset management fees, brokerage revenue, and bankcard fees. See reconciliation of "Non-GAAP Financial Measures" in this Report.

The following table shows the principal components of non-interest income.

Non-interest Income	Nine Months Ended September 30,					Three Months Ended September 30,
(in thousands)	2014			2013		2014			2013
Service charges on deposit accounts	$	58,610		58,142		$	20,159		19,426
Fiduciary and asset management fees	33,536			32,471		11,207			10,389
Brokerage revenue	20,201			21,231		7,281			6,636
Mortgage banking income	13,459			19,569		4,665			5,314
Bankcard fees	24,394			22,662		8,182			7,760
Investment securities gains, net	1,331			2,571		—			1,124
Other fee income	14,495			16,461		4,704			5,199
(Decrease) increase in fair value of private equity investments, net	(513		)	(856	)	(144		)	284
Gain on sale of Memphis branches, net	5,789					—
Other non-interest income	26,253			21,139		7,931			7,446
Total non-interest income	$	197,555		193,390		$	63,985		63,578

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Principal Components of Non-interest Income

Service charges on deposit accounts for the nine and three months ended September 30, 2014 were $58.6 million and $20.2 million, up $468 thousand, or 0.8%, and up $733 thousand, or 3.8%, respectively, compared to the nine and three months ended September 30, 2013. Service charges on deposit accounts consist of NSF fees, account analysis fees, and all other service charges. NSF fees of $26.2 million for the nine months ended September 30, 2014 were up $923 thousand, or 3.7%, compared to NSF fees of $25.3 million for the nine months ended September 30, 2013. NSF fees were $9.5 million for the three months ended September 30, 2014, up $915 thousand, or 10.6%, compared to the same period in 2013, due to an increase in overdraft service utilization rates and higher Regulation E opt-in rates (Regulation E limits the ability of a financial institution to assess an overdraft fee for paying automated teller machine and debit card transactions that overdraw a customer's account unless the customer affirmatively consents, or opts-in, to the institution's payment of overdrafts for these transactions). Account analysis fees were $17.5 million and $5.6 million for the nine and three months ended September 30, 2014, respectively, up $771 thousand, or 4.6%, and down $75 thousand, or 1.3%, compared to the nine and three months ended September 30, 2013. Pricing structure changes increased net account analysis fees for the nine months ended September 30, 2014, compared to the same time period in 2013, while higher earnings credit balances and a decline in the number of accounts on analysis offset the pricing structure changes for a slight decline for the three months ended September 30, 2014, compared to the same period in 2013. All other service charges on deposit accounts, which consist primarily of monthly fees on retail demand deposit and saving accounts, were $14.9 million and $5.1 million for the nine and three months ended September 30, 2014, respectively, down $1.2 million, or 7.6%, and down $107 thousand, or 2.1%, respectively, compared to the same periods in 2013, with more retail customers meeting requirements to qualify for free checking products.

Fiduciary and asset management fees are derived from providing estate administration, employee benefit plan administration, personal trust, corporate trust, corporate bond, investment management, and financial planning services. Fiduciary and asset management fees were $33.5 million and $11.2 million for the nine and three months ended September 30, 2014, respectively, an increase of $1.1 million, or 3.3%, and $818 thousand, or 7.9%, respectively, compared to the same periods in 2013. The increase in fiduciary and asset management fees that largely occurred during the third quarter of 2014 was due to new talent acquisition in strategic markets and a year-over-year increase of assets-under-management of approximately 8.0%.

Brokerage revenue, which consists primarily of brokerage commissions, was $20.2 million and $7.3 million for the nine and three months ended September 30, 2014, respectively. Compared to the nine and three months ended September 30, 2013, brokerage revenue was down $1.0 million, or 4.9%, and up $645 thousand, or 9.7%, respectively. The increase during the third quarter of 2014 was driven by talent acquisition of commission-based financial consultants and brokers and a favorable increase in customer fee-based assets-under-management while theyear-over-year decline in brokerage revenue was largely due to the unfavorable impact of severe winter weather on transactions during the first quarter of 2014.

Mortgage banking income declined $6.1 million, or 31.2%, and $649 thousand or 12.2% for the nine and three months ended September 30, 2014, respectively, when compared to the same periods in 2013. The decline was primarily due to a decrease in mortgage production with a significant decline in refinancing volume that began in the third quarter of 2013.

Bankcard fees increased $1.7 million, or 7.6%, and $422 thousand, or 5.4%, for the nine and three months ended September 30, 2014, respectively, compared to the same periods in 2013, due primarily to an increase in transaction volume and a reduction in processing expense. Bankcard fees consist primarily of credit card interchange fees and debit card interchange fees. Debit card interchange fees were $10.2 million, up $522 thousand, or 5.4%, and $3.4 million, up $146 thousand, or 4.4%, for the nine and three months ended September 30, 2014, respectively, compared to the same periods in 2013. Credit card interchange fees were $16.8 million, up $1.4 million, or 8.8%, and $5.8 million, up $542 thousand, or 10.3%, for the nine and three months ended September 30, 2014, respectively, compared to the same periods in 2013.

The gain on sale of Memphis branches consists of a gain, net of associated costs, from the sale of certain loans, premises, deposits, and other assets and liabilities of the Memphis, Tennessee operations of Trust One Bank, a division of Synovus Bank on January 17, 2014. Please see "Note 4 - Sale of Branches" of this Report for further explanation of this transaction.

Other fee income includes fees for letters of credit, safe deposit box fees, access fees for automated teller machine use, customer swap dealer fees, and other service charges. Other fee income declined $2.0 million, or 11.9%, and $495 thousand, or 9.5%, for the nine and three months ended September 30, 2014, respectively, compared to the same periods in 2013. The decline in other fee income is primarily due to a decline in customer swap dealer fees.

The main components of other non-interest income are income from company-owned life insurance policies, insurance commissions, card sponsorship fees, and other miscellaneous items. Other non-interest income increased $5.1 million, or 24.2%, and $485 thousand, or 6.5%, for the nine and three months ended September 30, 2014, respectively, compared to the same periods in 2013. Other non-interest income for the current year included a $3.1 million gain from the sale of a branch property during the first quarter of 2014.

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Non-interest Expense

Non-interest expense for the nine and three months ended September 30, 2014 increased by $9.3 million, or 1.7%, and $6.4 million, or 3.4%, respectively, compared to the same periods in 2013. Adjusted non-interest expense for the nine and three months ended September 30, 2014, which excludes restructuring charges, credit costs, litigation settlement expenses, and Visa indemnification charges, increased $693 thousand, or 0.1%, and declined $4.3 million, or 2.5%, respectively, compared to the same periods in 2013. The year-over-year increase is due largely to planned increases in advertising expense that, for the third quarter of 2014, were more than offset by a decrease in professional fees which included the benefit of a $3.6 million net insurance recovery for incurred legal fees related to litigation. See "Non-GAAP Financial Measures" in this Report for applicable reconciliation. Expense savings initiatives of approximately $30 million are expected to be fully implemented by year-end 2014. These expense savings initiatives are being offset, however, by investments in talent, technology, and marketing.

The following table summarizes the components of non-interest expense for the nine and three months ended September 30, 2014 and 2013.

Non-interest Expense
	Nine Months Ended September 30,			Three Months Ended September 30,
(in thousands)	2014		2013	2014			2013
Salaries and other personnel expense	$	279,855	276,190	$	93,870		92,794
Net occupancy and equipment expense	79,436		77,025	26,956			26,475
Third-party processing expense	29,604		30,446	10,044			10,151
FDIC insurance and other regulatory fees	25,781		24,059	8,013			7,639
Professional fees	18,427		28,922	2,526			11,410
Advertising expense	15,935		6,513	7,177			3,114
Foreclosed real estate expense, net	18,818		28,800	9,074			10,359
Losses (gains) on other loans held for sale, net	2,050		487	(176		)	408
Visa indemnification charges	2,731		801	1,979			—
Restructuring charges	17,101		7,295	809			687
Other operating expenses	70,377		70,261	33,477			24,291
Total non-interest expense	$	560,115	550,799	$	193,749		187,328

Total headcount at September 30, 2014 was 4,563, down 162 or 3.4% from a year ago and down 133 or 2.8% from December 31, 2013. By year-end, total headcount is expected to decline by approximately 4% compared to December 31, 2013. The projected annual decline includes the elimination of approximately 300 positions in connection with branch closings, further refinement of our branch staffing model, as well as other efficiency initiatives, offset somewhat by workforce additions in Corporate Banking, information technology, and centralized customer care centers. Salaries and other personnel expenses increased $3.7 million, or 1.3%, and increased $1.1 million, or 1.2%, for the nine and three months ended September 30, 2014, respectively, compared to the same periods in 2013 primarily due to increases in employee incentive expense, but partially offset by the decrease in headcount.

Net occupancy and equipment expense increased $2.4 million, or 3.1%, and increased $481 thousand, or 1.8%, during the nine and three months ended September 30, 2014, respectively, compared to the same periods in 2013 reflecting Synovus' recent investments in technology. Synovus continues to rationalize its branch network and, as previously announced, 13 branches were closed in October 2014 (this brings the total branch count to 258, for a total decrease of 20 branches for the full year).

Third-party processing expense includes all third-party core operating system and processing charges. Third-party processing expense declined $841 thousand, or 2.8%, and declined $107 thousand, or 1.1%, for the nine and three months ended September 30, 2014, respectively, compared to the same periods in 2013, reflecting savings realized from ongoing efficiency initiatives.

FDIC insurance costs and other regulatory fees increased $1.7 million, or 7.2%, and $375 thousand, or 4.9%, for the nine and three months ended September 30, 2014, respectively, compared to the same periods in 2013, primarily due to the phase-out from the earnings component measure of the deferred tax asset recapture of $637.5 million recorded in the fourth quarter of 2012.

Professional fees declined $10.5 million, or 36.3%, and $8.9 million, or 77.9%, for the nine and three months ended September 30, 2014, respectively, compared to the same periods in 2013. The decline in professional fees, which largely occurred during the third quarter of 2014, was driven by a decrease in attorney fees and included the benefit of a $3.6 million net insurance recovery for incurred legal fees related to litigation.

Advertising expense increased $9.4 million, or 144.7%, and $4.1 million, or 130.5%, for the nine and three months ended September 30, 2014, respectively, compared to the same periods in 2013 due to a 2014 advertising campaign that includes brand

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and capability awareness in key markets throughout Synovus' footprint. Advertising expense for the fourth quarter of 2014 is expected to be slightly higher than third quarter expense with ongoing expenses associated with the 2014 advertising campaign.

Foreclosed real estate costs declined $10.0 million, or 34.7%, and $1.3 million, or 12.4%, for the nine and three months ended September 30, 2014, respectively, compared to the same periods in 2013. The decline was largely a result of lower levels of write-downs from declines in fair value of ORE, as well as lower ORE inventory due to a reduction in the level of foreclosures. For further discussion of foreclosed real estate, see the section captioned “Other Real Estate” of this Report.

Losses on other loans held for sale of $2.1 million for the nine months ended September 30, 2014 increased $1.6 million compared to the same period a year ago with losses mostly related to the sale of one loan.

Visa indemnification charges were $2.7 million and $2.0 million for the nine and three months ended September 30, 2014, respectively. Visa Inc. announced a decision to deposit funds into the litigation escrow account during the third quarter of 2014; thus, Synovus accrued its allocated amount of the Covered Litigation.

Other operating expenses for the nine and three months ended September 30, 2014 include $12.3 million in litigation settlement expenses, including loss contingency accruals, with respect to certain legal matters. For additional information, see "Part I - Item 1. Financial Statements - Note 15 - Legal Proceedings" of this Report.

In January 2014, Synovus announced the planned implementation during 2014 of new expense savings initiatives which are expected to result in annualized cost savings of $30 million. The initiatives include planned workforce reductions as well as planned reductions in occupancy expenses. Synovus began to implement these initiatives during the first quarter of 2014, undertaking the first targeted staff reductions. As a result of these actions, Synovus recorded aggregate restructuring charges of $8.6 million during the three months ended March 31, 2014, consisting primarily of $8.0 million in severance charges related to employees identified for involuntary termination. Additionally, during the second quarter of 2014, upon management's decision to close 13 branches across the five-state footprint during the fourth quarter of 2014, Synovus recorded asset impairment charges of $7.4 million. During the third quarter of 2014, Synovus recorded restructuring charges of $809 thousand primarily for professional fees related to organizational restructuring. Restructuring charges for the fourth quarter of 2014 are expected to include approximately $6 million in charges related to operating lease exit costs associated with the branch closings which were completed in October 2014.

The projected annualized cost savings of $30 million relate only to the implementation of the above mentioned expense savings initiatives. The projected reduction in expenses during 2014 resulting from the implementation of these initiatives is expected to be fully offset by incremental expenses associated with investments in talent, technology, and marketing. Management currently expects that adjusted non-interest expense for the year ending December 31, 2014 will be approximately the same as in 2013 ($670 million). See "Non-GAAP Financial Measures" in Synovus' 2013 Form 10-K for applicable reconciliation.

Income Tax Expense

Income tax expense was $81.6 million and $25.9 million for the nine and three months ended September 30, 2014, respectively, compared to $72.1 million and $27.8 million for the nine and three months ended September 30, 2013, respectively. Synovus expects to record income tax expense during 2014 at an annual effective tax rate of approximately 36%. The actual effective income tax rate in future periods could be affected by items that are infrequent in nature, such as new legislation and changes in the deferred tax asset valuation allowance.

At September 30, 2014, the net deferred tax asset, net of valuation allowance, was $656.2 million compared to $744.6 million at December 31, 2013. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts and their respective tax bases, including operating losses and tax credit carryforwards. 

Management assesses the valuation allowance recorded against deferred tax assets at each reporting period. The determination of whether a valuation allowance for deferred tax assets is appropriate is subject to considerable judgment and requires an evaluation of all positive and negative evidence. Based on the assessment of all the positive and negative evidence at September 30, 2014, management has concluded that it is more likely than not that $656.2 million of the net deferred tax asset will be realized based upon future taxable income.  If actual results differ significantly from the current estimates of future taxable income, the valuation allowance may need to be increased. Such an increase to the deferred tax asset valuation allowance could have a material adverse effect on Synovus' financial condition or results of operations.

Synovus expects to realize the $656.2 million net deferred tax asset well in advance of the statutory carryforward period. At September 30, 2014, $186.1 million of existing deferred tax assets are not related to net operating losses or credits and, therefore, have no expiration date. Approximately $378.9 million of the remaining deferred tax assets relate to federal net operating losses, which will expire in installments annually beginning in 2028 through 2032. Additionally, $54.0 million of the deferred tax assets relate to state NOLs which expire in installments through the tax year 2034. Tax credit carryforwards at September 30, 2014

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include federal alternative minimum tax credits totaling $25.3 million, which have an unlimited carryforward period. Other federal and state tax credits at September 30, 2014 total $27.1 million and have expiration dates through the tax year 2034.

The Tax Reform Act of 1986 contains provisions that limit the utilization of NOL carryovers if there has been an “ownership change” as defined in Section 382 of the IRC. In general, this would occur if ownership of common stock held by one or more 5% shareholders increased by more than 50 percentage points over their lowest pre-change ownership within a three year period. If Synovus experiences such an ownership change, the utilization of pre-change NOLs to reduce future federal income tax obligations could be limited. To reduce the likelihood of such an ownership change, Synovus adopted a tax benefits preservation rights plan in 2010 that was ratified by Synovus shareholders in 2011. This tax benefits preservation rights plan, as amended on April 24, 2013 and ratified by Synovus shareholders in 2014, will expire on April 28, 2016. 

CREDIT QUALITY, CAPITAL RESOURCES AND LIQUIDITY

Credit Quality

Synovus continuously monitors the credit quality of its loan portfolio and maintains an allowance for loan losses that management believes is sufficient to absorb probable losses inherent in its loan portfolio. Credit quality continued to improve during the third quarter of 2014 with non-performing assets declining by 10.7% to an ending non-performing assets ratio of 1.57%, past dues remaining at low levels, and the net charge-off ratio declining to 0.24% and 0.41% year-to-date.

The table below includes selected credit quality metrics.

Credit Quality Metrics	As of and for the Three Months Ended,
(dollars in thousands)	September 30, 2014			June 30, 2014	March 31, 2014	December 31, 2013	September 30, 2013
Provision for loan losses	$	3,843		12,284	9,511	14,064	6,761
Other credit costs	11,858			4,635	8,128	8,285	15,603
Total credit costs	$	15,701		16,919	17,639	22,349	22,364
Non-performing loans	242,382			259,547	384,324	416,300	450,879
Impaired loans held for sale(1)	338			2,045	3,120	10,685	9,351
Other real estate	81,636			101,533	110,757	112,629	126,640
Non-performing assets	$	324,356		363,125	498,201	539,614	586,870
Non-performing loans as a % of total loans	1.18		%	1.27	1.91	2.08	2.29
Non-performing assets as a % of total loans, other loans held for sale, and ORE	1.57		%	1.77	2.46	2.67	2.96
NPL inflows	$	32,988		34,321	35,460	41,175	47,446
Loans 90 days past due and still accruing	4,067			4,798	6,563	4,489	4,738
As a % of total loans	0.02		%	0.02	0.03	0.02	0.02
Total past due loans and still accruing	$	72,712		60,428	75,038	72,600	78,906
As a % of total loans	0.35		%	0.30	0.37	0.36	0.40
Net charge-offs	$	12,250		35,372	15,181	25,116	23,029
Net charge-offs/average loans	0.24		%	0.69	0.30	0.51	0.47
Allowance for loan losses	$	269,376		277,783	300,871	307,560	318,612
Allowance for loan losses as a % of total loans	1.31		%	1.36	1.49	1.53	1.62

⁽¹⁾ Represent only impaired loans that have been specifically identified to be sold. Impaired loans held for sale are carried at the lower of cost or fair value, less costs to sell, based primarily on estimated sales proceeds net of selling costs.

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Total credit costs

Total credit costs (provision for loan losses plus other credit costs which consist primarily of foreclosed real estate expense, net, provision for losses on unfunded commitments, and charges related to other loans held for sale) for the quarters ended September 30, 2014 and September 30, 2013 were $15.7 million and $22.4 million, respectively, including provision for loan losses of $3.8 million and $6.8 million, respectively, and expenses related to foreclosed real estate of $9.1 million and $10.4 million, respectively. Total credit costs improved 7.2% on a sequential quarter basis and improved 29.8 % from the third quarter of 2013. Synovus currently expects that credit costs will be similar to the first three quarters of the year as further credit quality improvements are partially offset by provision for loan losses associated with loan growth.

Non-performing Assets

Total NPAs were $324.4 million at September 30, 2014, a $215.3 million or 39.9% decrease from December 31, 2013 and a $262.5 million or 44.7% decrease from $586.9 million at September 30, 2013. The year-over-year decline in non-performing assets was primarily driven by significant balance reductions in legacy non-performing assets, a continued decline in NPL inflows, as well as asset dispositions. Total non-performing assets as a percentage of total loans, other loans held for sale, and other real estate were 1.57% at September 30, 2014 compared to 2.67% at December 31, 2013, and 2.96% at September 30, 2013. Synovus currently expects that NPAs and NPLs will continue on an overall downward trend.

NPL inflows during the third quarter of 2014 were $33.0 million, down $14.5 million or 30.5% from the third quarter of 2013 inflow additions of $47.4 million.

NPL Inflows by Loan Type
	Nine Months Ended September 30,			Three Months Ended September 30,
(in thousands)	2014		2013	2014		2013
Investment properties	$	7,601	31,972	$	2,475	6,734
1-4 family properties	15,311		44,288	10,085		6,416
Land for future development	6,891		16,545	350		3,451
Total commercial real estate	29,803		92,805	12,910		16,601
Commercial, financial and agricultural	26,714		36,107	7,038		9,493
Owner-occupied	16,674		21,424	4,486		9,483
Total commercial and industrial	43,388		57,531	11,524		18,976
Home equity lines	8,490		16,261	3,700		3,724
Consumer mortgages	18,631		28,088	3,842		7,518
Credit cards	—		—	—		—
Other retail loans	2,457		3,522	1,012		627
Total retail	29,578		47,871	8,554		11,869
Total NPL inflows	$	102,769	198,207	$	32,988	47,446

Past Due Loans

As a percentage of total loans outstanding, loans 90 days past due and still accruing interest continue to be at very low levels and were 0.02% at September 30, 2014 and 2013 and December 31, 2013. These loans are in the process of collection, and management believes that sufficient collateral value securing these loans exists to cover contractual interest and principal payments.

Troubled Debt Restructurings

For consumer mortgage borrowers experiencing financial difficulties that evidence that current monthly payments are unsustainable, Synovus has been providing through its consumer real estate home affordability program (HAP) a below market interest rate given the borrower's credit risk and/or an extension of the maturity and amortization period beyond loan policy limits for renewed loans. All consumer loans that have been restructured or modified under HAP are TDRs. In December 2013, the home affordability program ended, and any of the loans in this program that are renewed, refinanced, or modified will no longer be able to utilize this program. As of September 30, 2014, there were $2.2 million in accruing TDRs that remain part of the HAP program.

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Accruing TDRs were $408.7 million at September 30, 2014, compared to $556.4 million at December 31, 2013 and $574.2 million at September 30, 2013. At September 30, 2014, the allowance for loan losses allocated to these accruing TDRs was $22.7 million compared to $27.7 million at December 31, 2013 and $37.4 million at September 30, 2013. Accruing TDRs are considered performing because they are performing in accordance with the restructured terms. At September 30, 2014, over 98% of accruing TDRs were current, and 43.6% or $178.2 million of accruing TDRs were graded as Pass (25.8%) or Special Mention (17.8%) loans. At September 30, 2014, troubled debt restructurings (accruing and non-accruing) were $508.3 million, a decrease of $261.5 million or 34.0% compared to December 31, 2013.

Accruing TDRs by Risk Grade	September 30, 2014				December 31, 2013
(dollars in thousands)	Amount		%		Amount		%
Pass	$	105,584	25.8	%	$	114,930	20.7	%
Special Mention	72,631		17.8		153,547		27.6
Substandard accruing	230,522		56.4		287,933		51.7
Total accruing TDRs	$	408,737	100.0	%	$	556,410	100.0	%

Accruing TDRs Aging and Allowance for Loan Losses by Portfolio Class
	September 30, 2014
(in thousands)	Current		30-89 Days Past Due	90+ Days Past Due	Total	Allowance for Loan Losses
Investment properties	$	114,684	96	—	114,780	6,501
1-4 family properties	72,521		721	—	73,242	6,048
Land acquisition	43,938		—	76	44,014	2,881
Total commercial real estate	231,143		817	76	232,036	15,430
Commercial, financial and agricultural	60,894		675	36	61,605	3,339
Owner-occupied	65,242		4,379	—	69,621	3,064
Total commercial and industrial	126,136		5,054	36	131,226	6,403
Home equity lines	3,822		—	—	3,822	68
Consumer mortgages	34,875		1,346	171	36,392	681
Credit cards	—		—	—	—	—
Other retail loans	5,172		89	—	5,261	97
Total retail	43,869		1,435	171	45,475	846
Total accruing TDRs	$	401,148	7,306	283	408,737	22,679
	December 31, 2013
(in thousands)	Current		30-89 Days Past Due	90+ Days Past Due	Total	Allowance for Loan Losses
Investment properties	$	141,289	1,657	—	142,946	4,410
1-4 family properties	104,567		1,618	43	106,228	7,243
Land acquisition	69,976		—	—	69,976	5,090
Total commercial real estate	315,832		3,275	43	319,150	16,743
Commercial, financial and agricultural	94,081		572	59	94,712	5,394
Owner-occupied	86,402		2,298	66	88,766	4,341
Total commercial and industrial	180,483		2,870	125	183,478	9,735
Home equity lines	2,475		275	—	2,750	116
Consumer mortgages	42,383		1,371	265	44,019	967
Credit cards	—		—	—	—	—
Other retail loans	6,951		62	—	7,013	109
Total retail	51,809		1,708	265	53,782	1,192
Total accruing TDRs	$	548,124	7,853	433	556,410	27,670

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Non-accruing TDRs may generally be returned to accrual status if there has been a period of performance, consisting usually of at least a six month sustained period of repayment performance in accordance with the terms of the agreement. Consistent with regulatory guidance, a TDR will generally no longer be reported as a TDR after a period of performance which is generally a minimum of six months and after the loan has been reported as a TDR at a year-end reporting date, and if at the time of the modification, the interest rate was at market, considering the credit risk associated with the borrower. Non-accruing TDRs were$99.6 millionatSeptember 30, 2014compared to$213.4 millionatDecember 31, 2013. The $113.8 million or 53.3% decline from December 31, 2013 is primarily related to significant balance reductions in legacy non-performing loans.

Non-accruing TDRs by Type
(in thousands)	September 30, 2014		December 31, 2013
Investment properties	$	33,326	$	53,130
1-4 family properties	10,071		8,368
Land acquisition	29,221		124,324
Total commercial real estate	72,618		185,822
Commercial, financial and agricultural	8,723		13,518
Owner-occupied	11,933		8,267
Total commercial and industrial	20,656		21,785
Home equity lines	1,120		1,060
Consumer mortgages	5,116		4,727
Credit cards	—		—
Other retail loans	64		13
Total retail	6,300		5,800
Total non-accruing TDRs	$	99,574	$	213,407

Potential Problem Loans

Potential problem loans are defined by management as being certain performing loans with a well-defined weakness where there is known information about possible credit problems of borrowers which causes management to have concerns about the ability of such borrowers to comply with the present repayment terms of such loans. Potential problem commercial loans consist of commercial Substandard accruing loans but exclude loans 90 days past due and still accruing interest and accruing TDRs classified as Substandard. Synovus had $223.1 million of potential problem commercial loans at September 30, 2014 compared to $239.3 million and $301.6 million at December 31, 2013 and September 30, 2013, respectively. Synovus cannot predict at this time whether these potential problem loans ultimately will become non-performing loans or result in losses.

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Net Charge-offs

Net charge-offs for the nine months ended September 30, 2014 were $62.8 million, or 0.41% as a percentage of average loans annualized, a decrease of $47.5 million or 43.1% compared to $110.3 million or 0.75% as a percentage of average loans annualized for the nine months ended September 30, 2013. The decline in net charge-offs was driven by a decline in NPL inflows, lower impairment charge-offs on existing collateral dependent impaired loans, and a decrease in retail net charge-offs. Net charge-offs for the three months ended September 30, 2014 totaled $12.3 million or 0.24% of average loans annualized, down $10.8 million or 46.8% from $23.0 million or 0.47% of average loans annualized for the three months ended September 30, 2013 primarily due to the elevated level of net charge-offs in the previous quarter related to a significant reduction in NPLs which had existing reserves.

The following tables show net charge-offs by loan type for the nine and three months ended September 30, 2014 and 2013.

Net Charge-offs by Loan Type
	Nine Months Ended September 30,				Three Months Ended September 30,
(in thousands)	2014		2013		2014			2013
Investment properties	$	10,159	$	26,416	$	1,265		$	3,643
1-4 family properties	3,144		13,393		1,455			3,186
Land for future development	19,518		22,155		(586		)	(121		)
Total commercial real estate	32,821		61,964		2,134			6,708
Commercial, financial and agricultural	11,406		14,016		4,765			5,364
Owner-occupied	5,929		12,822		1,284			6,355
Total commercial and industrial	17,335		26,838		6,049			11,719
Home equity lines	4,226		6,432		979			1,368
Consumer mortgages	3,212		7,877		1,243			1,242
Credit cards	3,585		4,895		1,063			1,416
Other retail loans	1,625		2,321		782			576
Total retail	12,648		21,525		4,067			4,602
Total net charge-offs	$	62,804	$	110,327	$	12,250		$	23,029

Provision for Loan Losses and Allowance for Loan Losses

For the nine months ended September 30, 2014, the provision for loan losses was $25.6 million, a decrease of $29.9 million or 53.8% compared to the nine months ended September 30, 2013. For the three months ended September 30, 2014, the provision for loan losses was $3.8 million, a decrease of $2.9 million or 43.2% compared to the three months ended September 30, 2013. The decrease in the provision for loan losses for the nine and three months ended September 30, 2014 was primarily a result of continued improvement in credit quality trends, including:

• Reduced net loan charge-offs by $47.5 million or 43.1% from $110.3 million for the nine months ended September 30, 2013 to $62.8 million for the nine months ended September 30, 2014;

• Reduced NPL inflows by $95.4 million or 48.2% from $198.2 million for the nine months ended September 30, 2013 to $102.8 million for the nine months ended September 30, 2014;

• Reduced loans rated Special Mention by $365.6 million or 35.9% from $1.02 billion at September 30, 2013 to $652.2 million at September 30, 2014;

• Reduced loans rated Substandard accruing by $123.1 million or 20.7% from $595.4 million at September 30, 2013 to $472.3 million at September 30, 2014; and

• Pass rated loans as a percentage of total loans were 93.4% at September 30, 2014 compared to 89.5% at September 30, 2013.

The allowance for loan losses atSeptember 30, 2014 was $269.4 million or 1.31% of total loans compared to $307.6 million or 1.53% of total loans at December 31, 2013 and $318.6 million or 1.62% of total loans at September 30, 2013. The decrease in the allowance for loan losses is primarily due to continued improvement in credit quality trends, which includes reduced NPL inflows, NPLs and net charge-offs, as well as improved risk grade migration trends and stable collateral values.  

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Capital Resources

Synovus is required to comply with the capital adequacy standards established by the Federal Reserve Board and our subsidiary bank, Synovus Bank, must comply with similar capital adequacy standards established by the FDIC. Synovus has always placed great emphasis on maintaining a solid capital base and continues to satisfy applicable regulatory capital requirements.

The following table presents certain ratios used to measure Synovus and Synovus Bank's capitalization.

Capital Ratios
(dollars in thousands)	September 30, 2014			December 31, 2013
Tier 1 capital
Synovus Financial Corp.	$	2,553,764		2,351,493
Synovus Bank	3,002,740			2,806,197
Tier 1 common equity(1)
Synovus Financial Corp.	2,417,784			2,215,631
Total risk-based capital
Synovus Financial Corp.	3,005,346			2,900,865
Synovus Bank	$	3,274,118		3,084,756
Tier 1 capital ratio
Synovus Financial Corp.	11.19		%	10.54
Synovus Bank	13.19			12.61
Tier 1 common equity ratio(1)
Synovus Financial Corp.	10.60			9.93
Total risk-based capital to risk-weighted assets ratio
Synovus Financial Corp.	13.17			13.00
Synovus Bank	14.38			13.86
Leverage ratio
Synovus Financial Corp.	9.85			9.13
Synovus Bank	11.61			10.94
Tangible common equity to tangible assets ratio (1)
Synovus Financial Corp.	11.04		%	10.68

⁽¹⁾ See reconciliation of “Non-GAAP Financial Measures” in this Report.

As a financial holding company, Synovus and its subsidiary bank, Synovus Bank, are required to maintain capital levels required for a well-capitalized institution as defined by federal banking regulations. The capital measures used by the federal banking regulators include the total risk-based capital ratio, the Tier 1 risk-based capital ratio, and the leverage ratio. Synovus Bank is a state-chartered bank under the regulations of the GA DBF. Under applicable regulations, Synovus Bank is well-capitalized if it has a total risk-based capital ratio of 10% or greater, a Tier 1 capital ratio of 6% or greater, a leverage ratio of 5% or greater, and is not subject to any written agreement, order, capital directive, or prompt corrective action directive from a federal and/or state banking regulatory agency to meet and maintain a specific capital level for any capital measure. However, even if Synovus Bank satisfies all applicable quantitative criteria to be considered well-capitalized, the regulations also establish procedures for “downgrading” an institution to a lower capital category based on supervisory factors other than capital. At September 30, 2014, Synovus' capital ratios were well above current regulatory requirements and Synovus Bank's capital levels exceeded well-capitalized requirements. All capital ratios increased as of September, 2014 compared to December 31, 2013 driven by earnings and accretion of deferred tax assets. The increase in capital was partially offset by an increase in risk-weighted assets due to loan growth.

On July 26, 2013, Synovus redeemed all 967,870 shares of its Series A Preferred Stock issued to the U.S. Treasury under the CPP established under TARP. Over two-thirds of the TARP redemption was funded by internally available funds from an upstream dividend of $680.0 million from Synovus Bank. The balance of the redemption was funded by net proceeds from the following equity offerings completed in July 2013. On July 24, 2013, Synovus completed a public offering of 8,552,936 shares of its Common Stock at $21.63 per share. The offering generated net proceeds of $175.2 million. On July 25, 2013, Synovus completed a public offering of $130 million of Series C Preferred Stock.  The offering generated net proceeds of $126.0 million. From the date of issuance to, but excluding, August 1, 2018, the rate for declared dividends is 7.875% per annum.  From and including August 1, 2018, the dividend rate will change to a floating rate equal to the three-month LIBOR plus a spread of 6.39% per annum.

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During 2013, the Federal Reserve released final United States Basel III regulatory capital rules implementing the global regulatory capital reforms of Basel III and certain changes required by the Dodd-Frank Wall Street Reform and Consumer Protection Act. The FDIC and OCC also approved the final rule during 2013. The rule applies to all banking organizations that are currently subject to regulatory capital requirements as well as certain savings and loan holding companies. The rule strengthens the definition of regulatory capital, increases risk-based capital requirements, and makes selected changes to the calculation of risk-weighted assets. The rule becomes effective January 1, 2015, for Synovus and most banking organizations, subject to a transition period for several aspects of the rule, including the new minimum capital ratio requirements, the capital conservation buffer, and the regulatory capital adjustments and deductions. Under the final rules, the minimum capital requirements will be a common equity Tier 1 ratio of 4.5%; Tier 1 capital ratio of 6%; Total capital ratio of 8%; and leverage ratio of 4%. When fully phased-in on January 1, 2019, the new rules include a capital conservation buffer of 2.5% that is added on top of the minimum risk-based capital ratios. Additionally, the new rules also revise the "prompt corrective action" regulations pursuant to Section 38 of the Federal Deposit Insurance Act, with the following requirements for well-capitalized status: Common equity Tier 1 ratio of 6.5%; Tier 1 capital ratio of 8% (as compared to the current 6%); Total capital ratio of 10%; and leverage ratio of 5%. Based on management's interpretation of the regulation, Synovus' estimated common equity Tier 1 ratio under Basel III, on a fully phased-in basis, as of September 30, 2014 is 10.50%, which is well in excess of the minimum requirements, and compares to a Tier 1 common equity ratio of 10.60% under current capital rules. See reconciliation of "Non-GAAP Financial Measures" in this Report.

There are limitations on the inclusion of deferred tax assets for regulatory capital based on Tier 1 capital levels and projected future earnings (Basel III revises limitation criteria effective January 1, 2015). As of September 30, 2014, total disallowed deferred tax assets were $529.3 million or 2.32% of risk weighted assets, compared to $618.5 million or 2.77% of risk weighted assets at December 31, 2013. The DTA limitation will continue to decrease over time, thus creating additional regulatory capital in future periods.

Management currently believes, based on internal capital analyses and earnings projections, that Synovus' capital position is adequate to meet current and future regulatory minimum capital requirements.

Dividends

Synovus has historically paid a quarterly cash dividend to the holders of its Common Stock. Management closely monitors trends and developments in credit quality, liquidity (including dividends from subsidiaries), financial markets and other economic trends, as well as regulatory requirements regarding the payment of dividends, all of which impact Synovus' capital position. The Synovus Board of Directors recently approved an increase in the quarterly Common Stock dividend from $0.07 to $0.10 per share, effective with the quarterly dividend payable in January 2015. Synovus' ability to pay dividends on its capital stock, including the Common Stock and the Series C Preferred Stock, is partially dependent upon dividends and distributions that it receives from its bank and non-banking subsidiaries, which are restricted by various regulations administered by federal and state bank regulatory authorities, as further discussed below in the section titled "Liquidity." On July 19, 2013, Synovus received an upstream dividend of $680.0 million from Synovus Bank, which Synovus utilized to redeem its $967.9 million of Series A Preferred Stock on July 26, 2013. During the nine months ended September 30, 2014, Synovus Bank received regulatory approval and paid upstream dividends totaling $60.0 million to Synovus Financial Corp. Additionally, Synovus Bank paid an upstream dividend of $122.0 million to Synovus on October 17, 2014.

    Synovus declared and paid dividends of $0.21 per common share for the nine months ended September 30, 2014 and 2013. Please see "Note 3 - Reverse Stock Split", of this Report for information on Synovus' recent reverse stock split. In addition to dividends paid on its Common Stock, Synovus paid dividends of $7.7 million during the nine months ended September 30, 2014 on its Series C Preferred Stock. Synovus paid dividends of $33.7 million to the Treasury on its Series A Preferred Stock during the nine months ended September 30, 2013. On July 26, 2013, Synovus redeemed all 967,870 shares of its Series A Preferred Stock issued to the U.S. Treasury under the CPP established under TARP. On July 25, 2013 Synovus completed a public offering of $130 million of Series C Preferred Stock. For the Series C Preferred Stock, from the date of issuance to, but excluding, August 1, 2018, the rate for declared dividends is 7.875% per annum.  From and including August 1, 2018, the dividend rate will change to a floating rate equal to the three-month LIBOR plus a spread of 6.39% per annum.

Liquidity

Liquidity represents the extent to which Synovus has readily available sources of funding needed to meet the needs of depositors, borrowers and creditors, to support asset growth, and to otherwise sustain operations of Synovus and its subsidiaries, at a reasonable cost, on a timely basis, and without adverse consequences. ALCO monitors Synovus' economic, competitive, and regulatory environment and is responsible for measuring, monitoring, and reporting on liquidity and funding risk, interest rate risk, and market risk and has the authority to establish policies relative to these risks. ALCO, operating under liquidity and funding policies approved by the Board of Directors, actively analyzes contractual and anticipated cash flows in order to properly manage Synovus’ liquidity position.

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Contractual and anticipated cash flows are analyzed under normal and stressed conditions to determine forward looking liquidity needs and sources. Synovus analyzes liquidity needs under various scenarios of market conditions and operating performance. This analysis includes stress testing and measures expected sources and uses of funds under each scenario. Emphasis is placed on maintaining numerous sources of current and potential liquidity to allow Synovus to meet its obligations to depositors, borrowers, and creditors on a timely basis.

Liquidity is generated primarily through maturities and repayments of loans by customers, maturities and sales of investment securities, deposit growth, and access to sources of funds other than deposits. Management continuously monitors and maintains appropriate levels of liquidity so as to provide adequate funding sources to manage customer deposit withdrawals, loan requests, and funding maturities. Liquidity is also enhanced by the acquisition of new deposits. Each of the banking divisions monitors deposit flows and evaluates local market conditions in an effort to retain and grow deposits.

Synovus Bank also generates liquidity through the national deposit markets. Synovus Bank issues certificates of deposit across a broad geographic base to diversify its sources of funding and liquidity. Access to these deposits could become more limited if Synovus Bank’s asset quality and financial performance were to significantly deteriorate. Synovus Bank has the capacity to access funding through its membership in the FHLB System. At September 30, 2014, Synovus Bank had access to incremental funding, subject to available collateral and FHLB credit policies, through utilization of FHLB advances.

In addition to bank level liquidity management, Synovus must manage liquidity at the Parent Company for various operating needs including potential capital infusions into subsidiaries, the servicing of debt, the payment of dividends on our Common Stock and Preferred Stock, and payment of general corporate expenses. The primary source of liquidity for Synovus consists of dividends from Synovus Bank, which is governed by certain rules and regulations of the GA DBF and FDIC. During 2012 and 2011, Synovus Bank did not pay dividends to the Parent Company. On July 19, 2013, the Parent Company received a $680.0 million dividend from Synovus Bank, which Synovus utilized along with the net proceeds from its July Common Stock and Series C Preferred Stock offerings to redeem its $967.9 million of Series A Preferred Stock on July 26, 2013. During the nine months ended September 30, 2014, Synovus Bank received regulatory approval and paid upstream dividends totaling $60.0 million to Synovus Financial Corp. Additionally, Synovus Bank paid an upstream dividend of $122.0 million to Synovus on October 17, 2014. Synovus' ability to receive dividends from Synovus Bank in future periods will depend on a number of factors, including, without limitation, Synovus Bank's future profits, asset quality and overall condition. See “Part I - Item 1A. Risk Factors - Changes in the cost and availability of funding due to changes in the deposit market and credit market, or the way in which we are perceived in such markets, may adversely affect our capital resources, liquidity and financial results.” of Synovus' 2013 Form 10-K.

As previously disclosed, in 2009, Synovus entered into the Synovus MOU with the Atlanta Fed and the GA DBF. The Atlanta Fed and the GA DBF terminated the Synovus MOU effective as of April 22, 2013, and replaced it with a resolution adopted by Synovus' Board of Directors relating to, among other things, continued emphasis on improving asset quality and maintaining strong levels of capital and liquidity. The Board resolutions were terminated on April 23, 2014. As previously disclosed, in 2010, Synovus Bank entered into the Synovus Bank MOU. The FDIC and the GA DBF terminated the Synovus Bank MOU effective as of May 29, 2013, and replaced it with a resolution adopted by Synovus Bank’s Board of Directors relating to, among other things, continued emphasis on improving asset quality and maintaining strong levels of capital and liquidity. The Board resolutions were terminated on April 23, 2014.

Synovus presently believes that the sources of liquidity discussed above, including existing liquid funds on hand, are sufficient to meet its anticipated funding needs through the near future. However, if economic conditions were to significantly deteriorate, regulatory capital requirements for Synovus or Synovus Bank increase as the result of regulatory directives or otherwise, or Synovus believes it is prudent to enhance current liquidity levels, then Synovus may seek additional liquidity from external sources. See "Part I – Item 1A. Risk Factors - Changes in the cost and availability of funding due to changes in the deposit market and credit market, or the way in which we are perceived in such markets, may adversely affect our capital resources, liquidity and financial results." of Synovus' 2013 Form 10-K.

Earning Assets and Sources of Funds

Average total assets for the nine months ended September 30, 2014 increased $131.6 million, or 0.5%, to $26.43 billion as compared to $26.30 billion for the first nine months of 2013. Average earning assets increased $327.2 million, or 1.4%, in the first nine months of 2014 compared to the same period in 2013 and represented 91.5% of average total assets at September 30, 2014, as compared to 90.7% at September 30, 2013. The increase in average earning assets resulted from a $819.0 million increase in average loans, net, and a $75.1 million increase in average taxable investment securities. The increase was partially offset by a $476.4 million reduction in average interest bearing funds at the Federal Reserve Bank, and a $74.7 million decrease in average mortgage loans held for sale. Average interest bearing liabilities increased $73.4 million, or 0.4%, to $17.47 billion for the first nine months of 2014 compared to the same period in 2013. The increase in funding sources utilized to support earning assets was driven by a $353.6 million increase in long-term debt due to the increased utilization of FHLB advances. The increase was partially offset by a $248.3 million decrease in core time deposits.

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Net interest income for the nine months ended September 30, 2014 was $611.8 million, an increase of $6.0 million, or 0.99%, compared to $605.9 million for the nine months ended September 30, 2013.

The net interest margin for the nine months ended September 30, 2014 was 3.39%, down 2 bps from 3.41% for the nine months ended September 30, 2013. Earning asset yields decreased by 8 bps compared to the nine months ended September 30, 2013 while the effective cost of funds decreased by 6 bps. The primary factor negatively impacting earning asset yields was a 22 bp decline in loan yields. Loan yield decreases were primarily driven by downward repricing of maturing and prepaid loans. Factors positively impacting earning asset yields included a 24 bp increase in taxable investment securities yields and a reduction in lower yielding interest bearing funds at the Federal Reserve Bank. The effective cost of funds was positively impacted by the downward repricing of maturing core certificates of deposit and brokered time deposits, and a decrease in the cost of long-term debt. As compared to the nine months ended September 30, 2013, core certificates of deposit declined by 10 bps, brokered time deposits declined by 26 bps, and the cost of long-term debt declined by 50 bps. See reconciliation of core deposits in the "Non-GAAP Financial Measures" in this Report.

On a sequential quarter basis, net interest income increased by $1.2 million and the net interest margin decreased by 4 bps to 3.37%. The increase in net interest income for the third quarter was driven by loan growth as well as one more calendar day. Yields on earning assets decreased by 5 bps while the effective cost of funds decreased by 1 bp. The primary factors negatively impacting earning asset yields were a 3 bp decline in loan yields, a 3 bp decline in taxable investment securities yields, and an increase in the average balance of lower yielding funds held at the Federal Reserve Bank. The effective cost of funds was positively impacted by a 4 bp decline in the cost of long term debt.

Current expectations are for moderate downward pressure on the net interest margin during the fourth quarter of 2014. This expectation is primarily due to a projected further decrease in loan yields and limited ability to further reduce the effective cost of funds.

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Quarterly yields earned on average interest-earning assets and rates paid on average interest-bearing liabilities for the five most recent quarters are presented below.

Average Balances, Interest, and Yields	2014							2013
(dollars in thousands) (yields and rates annualized)	Third Quarter			Second Quarter		First Quarter		Fourth Quarter		Third Quarter
Interest Earning Assets:
Taxable investment securities (1)	$	3,035,940		3,091,537		3,181,678		3,196,561		3,062,976
Yield	1.84		%	1.87		1.91		1.90		1.76
Tax-exempt investment securities(1)(3)	$	5,168		5,781		6,421		7,758		9,835
Yield (taxable equivalent) (3)	6.21		%	6.23		6.24		6.14		6.26
Trading account assets	$	16,818		16,011		20,346		10,021		13,806
Yield	2.52		%	2.25		3.16		4.60		4.50
Commercial loans(2)(3)	$	16,603,287		16,673,930		16,451,594		16,217,373		16,067,424
Yield	4.17		%	4.19		4.21		4.28		4.37
Consumer loans(2)	$	3,814,160		3,695,010		3,628,347		3,615,836		3,528,057
Yield	4.44		%	4.51		4.53		4.50		4.61
Allowance for loan losses	$	(274,698	)	(293,320	)	(307,078	)	(316,001	)	(328,084	)
Loans, net (2)	$	20,142,749		20,075,620		19,772,863		19,517,208		19,267,397
Yield	4.29		%	4.32		4.34		4.40		4.50
Mortgage loans held for sale	$	70,766		59,678		38,699		46,036		85,493
Yield	3.96		%	4.13		4.15		3.94		4.07
Federal funds sold, due from Federal Reserve Bank, and other short-term investments	$	974,363		843,018		935,300		1,235,144		1,375,920
Yield	0.23		%	0.23		0.23		0.24		0.24
Federal Home Loan Bank and Federal Reserve Bank Stock (4)	$	78,131		76,172		82,585		70,815		70,741
Yield	3.57		%	4.15		3.21		2.85		2.30
Total interest earning assets	$	24,323,935		24,167,817		24,037,892		24,083,543		23,886,168
Yield	3.81		%	3.86		3.86		3.85		3.89
Interest Bearing Liabilities:
Interest bearing demand deposits	$	3,722,599		3,830,956		3,878,590		4,102,398		3,933,902
Rate	0.19		%	0.19		0.19		0.19		0.23
Money Market accounts	$	6,044,138		6,033,523		6,077,357		6,161,893		6,148,289
Rate	0.29		%	0.31		0.32		0.33		0.33
Savings deposits	$	645,654		644,103		616,962		605,054		607,144
Rate	0.07		%	0.09		0.10		0.10		0.11
Time deposits under $100,000	$	1,335,848		1,364,322		1,423,487		1,491,673		1,526,974
Rate	0.56		%	0.57		0.59		0.61		0.62
Time deposits over $100,000	$	1,871,136		1,824,349		1,956,925		2,049,094		2,022,719
Rate	0.75		%	0.74		0.76		0.80		0.84
Brokered money market accounts	$	174,538		184,233		207,681		210,380		202,802
Rate	0.27		%	0.27		0.26		0.27		0.27
Brokered time deposits	$	1,320,082		1,216,934		1,027,167		984,047		1,130,491
Rate	0.52		%	0.51		0.62		0.65		0.70
Total interest bearing deposits	$	15,113,995		15,098,420		15,188,169		15,604,539		15,572,321
Rate	0.35		%	0.36		0.38		0.39		0.42
Federal funds purchased and other short-term liabilities	$	171,429		219,490		215,027		216,757		195,717
Rate	0.08		%	0.13		0.14		0.15		0.14
Long-term debt	$	2,142,705		2,099,578		2,156,836		1,886,223		1,885,385
Rate	2.54		%	2.58		2.52		2.85		2.85
Total interest bearing liabilities	$	17,428,129		17,417,488		17,560,032		17,707,519		17,653,423
Rate	0.62		%	0.62		0.64		0.65		0.67
Non-interest bearing demand deposits	$	5,824,592		5,765,287		5,537,090		5,545,529		5,306,447

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Effective cost of funds	0.44		%	0.45	0.47	0.47		0.49
Net interest margin	3.37		%	3.41	3.39	3.38		3.40
Taxable equivalent adjustment (3)	$	408		443	455	$	481	529

⁽¹⁾ Excludes net unrealized gains and (losses).

⁽²⁾ Average loans are shown net of deferred fees and costs. Non-performing loans are included.

⁽³⁾ Reflects taxable-equivalent adjustments, using the statutory federal income tax rate of 35%, in adjusting interest on tax-exempt loans and investment securities to a taxable-equivalent basis.

⁽⁴⁾Included as a component of Other Assets on the balance sheet.

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Net Interest Income and Rate/Volume Analysis

The following tables set forth the major components of net interest income and the related annualized yields and rates for the nine months ended September 30, 2014 and 2013, as well as the variances between the periods caused by changes in interest rates versus changes in volume.

Net Interest Income and Rate/Volume Analysis
	Nine Months Ended September 30,												2014 Compared to 2013
	Average Balances					Interest			Annualized Yield/Rate				Change due to					Increase (Decrease)
(dollars in thousands)	2014			2013		2014		2013	2014		2013		Volume			Rate
Assets
Interest earning assets:
Taxable investment securities	$	3,102,518		3,027,374		$	43,598	36,931	1.87	%	1.63	%	$	916		5,751		$	6,667
Tax-exempt investment securities(2)	5,785			11,861		270		567	6.23		6.37		(289		)	(8	)	(297		)
Total investment securities	3,108,303			3,039,235		43,868		37,498	1.88		1.65		627			5,743		6,370
Trading account assets	17,712			10,113		357		433	2.69		5.71		325			(401	)	(76		)
Taxable loans, net(1)	20,193,398			19,414,763		642,140		647,483	4.25		4.46		25,974			(31,317	)	(5,343		)
Tax-exempt loans, net(1)(2)	96,614			114,997		3,465		4,307	4.79		5.01		(689		)	(153	)	(842		)
Allowance for loan losses	(291,580		)	(350,304	)
Loans, net	19,998,432			19,179,456		645,605		651,790	4.32		4.54		25,285			(31,470	)	(6,185		)
Mortgage loans held for sale	56,498			131,236		1,719		3,987	4.06		4.05		(2,264		)	(5	)	(2,269		)
Federal funds sold, due from Federal Reserve Bank, and other short-term investments	917,703			1,423,348		1,595		2,576	0.23		0.24		(869		)	(112	)	(981		)
Federal Home Loan Bank and Federal Reserve Bank stock	78,946			67,048		2,151		1,174	3.63		2.33		207			771		978
Total interest earning assets	$	24,177,594		23,850,436		$	695,295	697,458	3.83	%	3.91	%	$	23,311		(25,474	)	$	(2,163	)
Cash and due from banks	404,077			435,440
Premises and equipment, net	466,561			478,543
Other real estate	107,829			148,671
Other assets(3)	1,270,850			1,382,171
Total assets	$	26,426,911		26,295,261
Liabilities and Shareholders' Equity
Interest-bearing liabilities:
Interest-bearing demand deposits	$	3,810,143		3,890,106		$	5,334	5,784	0.19	%	0.20	%	$	(120	)	(330	)	$	(450	)
Money market accounts	6,240,247			6,321,433		14,155		15,580	0.30		0.33		(200		)	(1,225	)	(1,425		)
Savings deposits	635,678			599,682		413		473	0.09		0.11		30			(90	)	(60		)
Time deposits	4,447,188			4,598,569		21,344		27,127	0.64		0.79		(895		)	(4,888	)	(5,783		)
Federal funds purchased and securities sold under repurchase agreements	201,823			205,405		186		242	0.12		0.16		(4		)	(52	)	(56		)
Long-term debt	2,132,988			1,779,434		40,728		40,688	2.55		3.05		8,065			(8,025	)	40
Total interest-bearing liabilities	$	17,468,067		17,394,629		$	82,160	89,894	0.63		0.69		$	6,876		(14,610	)	$	(7,734	)
Non-interest bearing deposits	5,710,043			5,289,213
Other liabilities	228,321			198,829
Shareholders' equity	3,020,480			3,412,590
Total liabilities and equity	$	26,426,911		26,295,261
Net interest income/margin						613,135		607,564	3.39	%	3.41	%	$	16,435		(10,864	)	$	5,571
Taxable equivalent adjustment						1,306		1,703
Net interest income, actual						$	611,829	605,861

(1) Average loans are shown net of unearned income. Non-performing loans are included. Interest income includes fees as follows: 2014 - $21.4 million, 2013 - $18.4 million.

(2) Reflects taxable-equivalent adjustments, using the statutory federal income tax rate of 35% in adjusting interest on tax-exempt loans and investment securities to a taxable-

equivalent basis.

(3) Includes average net unrealized gains (losses) on investment securities available for sale of $2.2 million and $17.8 million for the nine months ended September 30, 2014 and

2013, respectively.

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The following tables set forth the major components of net interest income and the related annualized yields and rates for the three months ended September 30, 2014 and 2013, as well as the variances between the periods caused by changes in interest rates versus changes in volume.

Net Interest Income and Rate/Volume Analysis
	Three Months Ended September 30,												2014 Compared to 2013
	Average Balances					Interest			Annualized Yield/Rate				Change due to					Increase (Decrease)
(dollars in thousands)	2014			2013		2014		2013	2014		2013		Volume			Rate
Assets
Interest earning assets:
Taxable investment securities	$	3,035,940		3,062,976		$	13,977	13,483	1.84	%	1.76	%	$	(120	)	614		$	494
Tax-exempt investment securities(2)	5,168			9,835		80		154	6.21		6.26		(74		)	—		(74		)
Total investment securities	3,041,108			3,072,811		14,057		13,637	1.85		1.78		(194		)	614		420
Trading account assets	16,818			13,806		106		155	2.52		4.50		34			(83	)	(49		)
Taxable loans, net(1)	20,326,010			19,486,551		216,581		217,124	4.23		4.42		9,352			(9,895	)	(543		)
Tax-exempt loans, net(1)(2)	91,437			108,930		1,087		1,359	4.72		4.95		(218		)	(54	)	(272		)
Allowance for loan losses	(274,698		)	(328,084	)
Loans, net	20,142,749			19,267,397		217,668		218,483	4.29		4.50		9,134			(9,949	)	(815		)
Mortgage loans held for sale	70,766			85,493		701		869	3.96		4.07		(151		)	(18	)	(169		)
Federal funds sold, due from Federal Reserve Bank, and other short-term investments	974,363			1,375,920		573		830	0.23		0.24		(233		)	(24	)	(257		)
Federal Home Loan Bank and Federal Reserve Bank stock	78,131			70,741		697		407	3.57		2.30		43			247		290
Total interest earning assets	$	24,323,935		23,886,168		$	233,802	234,381	3.81	%	3.89	%	$	8,633		(9,213	)	$	(580	)
Cash and due from banks	399,906			420,527
Premises and equipment, net	462,308			478,359
Other real estate	99,372			142,562
Other assets(3)	1,245,980			1,328,637
Total assets	$	26,531,501		26,256,253
Liabilities and Shareholders' Equity
Interest-bearing liabilities:
Interest-bearing demand deposits	$	3,722,599		3,933,902		$	1,758	2,269	0.19	%	0.23	%	$	(122	)	(389	)	$	(511	)
Money market accounts	6,218,677			6,351,090		4,468		5,238	0.29		0.33		(110		)	(660	)	(770		)
Savings deposits	645,654			607,144		116		161	0.07		0.11		11			(56	)	(45		)
Time deposits	4,527,066			4,680,185		7,162		8,686	0.63		0.74		(286		)	(1,238	)	(1,524		)
Federal funds purchased and securities sold under repurchase agreements	171,429			195,717		35		72	0.08		0.14		(9		)	(28	)	(37		)
Long-term debt	2,142,705			1,885,385		13,592		13,456	2.54		2.85		1,849			(1,713	)	136
Total interest-bearing liabilities	$	17,428,130		17,653,423		$	27,131	29,882	0.62		0.67		$	1,333		(4,084	)	$	(2,751	)
Non-interest bearing deposits	5,824,592			5,306,447
Other liabilities	214,256			206,863
Shareholders' equity	3,064,523			3,089,520
Total liabilities and equity	$	26,531,501		26,256,253
Net interest income/margin						206,671		204,499	3.37	%	3.40	%	$	7,300		(5,129	)	$	2,171
Taxable equivalent adjustment						408		529
Net interest income, actual						$	206,263	203,970

(1) Average loans are shown net of unearned income. Non-performing loans are included. Interest income includes fees as follows: 2014 - $7.5 million, 2013 - $6.7 million.

(2) Reflects taxable-equivalent adjustments, using the statutory federal income tax rate of 35% in adjusting interest on tax-exempt loans and investment securities to a taxable-

equivalent basis.

(3) Includes average net unrealized gains (losses) on investment securities available for sale of $9.9 million and ($26.2) million for the three months ended September 30, 2014 and

2013, respectively.

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Market Risk Analysis

Interest rate risk is the primary market risk to which Synovus is potentially exposed. Synovus measures its sensitivity to changes in market interest rates through the use of a simulation model. Synovus uses this simulation model to determine a baseline net interest income forecast and the sensitivity of this forecast to changes in interest rates. These simulations include all of Synovus’ earning assets and liabilities. Forecasted balance sheet changes, primarily reflecting loan and deposit growth forecasts, are included in the periods modeled. Anticipated deposit mix changes in each interest rate scenario are also included in the periods modeled.

Synovus has modeled its baseline net interest income forecast assuming a flat interest rate environment with the federal funds rate at the Federal Reserve’s current targeted range of 0% to 0.25% and the current prime rate of 3.25%. Due to the targeted federal funds rate being at or near 0% at this time, only rising rate scenarios have been modeled. Synovus has modeled the impact of a gradual increase in short-term rates of 100 and 200 basis points to determine the sensitivity of net interest income for the next twelve months. Synovus continues to maintain a modestly asset sensitive position which would be expected to benefit net interest income in a rising interest rate environment. The following table represents the estimated sensitivity of net interest income to these changes in short term interest rates at September 30, 2014, with comparable information for December 31, 2013.

	Estimated % Change in Net Interest Income as Compared to Unchanged Rates (for the next twelve months)
Change in Short-term Interest Rates (in basis points)	September 30, 2014	December 31, 2013
+200	6.3%	5.0%
+100	4.0%	3.2%
Flat	—%	—%

Several factors could serve to diminish or eliminate this asset sensitivity. These factors include a higher than projected level of deposit customer migration to higher cost deposits, such as certificates of deposit, which would increase total interest expense and serve to reduce the realized level of asset sensitivity. Another factor which could impact the realized interest rate sensitivity is the repricing behavior of interest bearing non-maturity deposits. Assumptions for repricing are expressed as a beta relative to the change in the prime rate. For instance, a 50% beta would correspond to a deposit rate that would increase 0.5% for every 1% increase in the prime rate. Projected betas for interest bearing non-maturity deposit repricing are a key component of determining the Company's interest rate risk positioning. Should realized betas be higher than projected betas, the expected benefit from higher interest rates would be diminished. The following table presents an example of the potential impact of an increase in repricing betas on Synovus' realized interest rate sensitivity position.

	As of September 30, 2014
Change in Short-term Interest Rates (in basis points)	Base Scenario	15% Increase in Average Repricing Beta
+200	6.3%	5.1%
+100	4.0%	3.4%

While all of the above estimates are reflective of the general interest rate sensitivity of Synovus, local market conditions and their impact on loan and deposit pricing would be expected to have a significant impact on the realized level of net interest income. Actual realized balance sheet growth and mix would also impact the realized level of net interest income.

ADDITIONAL DISCLOSURES

Other Contingencies

Repurchase Obligations for Mortgage Loans Originated for Sale

The majority of mortgage loans originated by Synovus are sold to third-party purchasers on a servicing released basis, without recourse, or continuing involvement. These sales are typically effected as non-recourse loan sales to GSEs and non-GSE purchasers. Each purchaser of Synovus’ mortgage loans has specific guidelines and criteria for sellers of loans, and the risk of credit loss with regard to the principal amount of the loans sold is generally transferred to the purchasers upon sale. While the loans are sold without recourse, the purchase agreements require Synovus to make certain representations and warranties regarding the existence and sufficiency of file documentation and the absence of fraud by borrowers or other third parties such as appraisers in connection with obtaining the loan. If it is determined that loans sold were in breach of these representations or warranties, Synovus has obligations to either repurchase the loan at the unpaid principal balance and related investor fees or make the purchaser whole for the economic benefits of the loan.

Each GSE and non-GSE purchaser has specific guidelines and criteria for sellers of loans, and the risk of credit loss with regard to the principal amount of the loans sold is generally transferred to the purchasers upon sale. The purchase agreements

74

require Synovus to make certain representations and warranties regarding the existence and sufficiency of file documentation and the absence of fraud by borrowers or other third parties such as appraisers in connection with obtaining the loan. If it is determined that loans sold were in breach of these representations or warranties, Synovus has obligations to either repurchase the loan at the unpaid principal balance and related investor fees or make the purchaser whole for the economic benefits of the loan.

To date, repurchase activity pursuant to the terms of these representations and warranties has been minimal and has primarily been associated with loans originated from 2005 through 2008. From January 1, 2005 through September 30, 2014, Synovus Mortgage originated and sold approximately $8.2 billion of first lien GSE eligible mortgage loans and approximately $3.6 billion of first and second lien non-GSE eligible mortgage loans. The total expense pertaining to losses from repurchases of mortgage loans previously sold, including amounts accrued in accordance with ASC 450, was $1.7 million and $768 thousand for the nine months ended September 30, 2014 and 2013, respectively. The total accrued liability related to mortgage repurchase claims was $3.0 million at September 30, 2014 and $4.1 million at December 31, 2013. See "Part I-Item 1A - Risk Factors- We may be required to repurchase mortgage loans or indemnify mortgage loan purchasers as a result of breaches of representations and warranties, borrower fraud, or certain borrower defaults, which could harm our liquidity, results of operations and financial condition." in Synovus’ 2013 Form 10-K.

Mortgage Loan Foreclosure Practices

At September 30, 2014 and December 31, 2013, Synovus had $3.31 billion and $3.11 billion, respectively, of home equity and consumer mortgage loans which are secured by first and second liens on residential properties. Of the amounts at September 30, 2014, $585.5 million and $505.9 million, respectively, consist of mortgages relating to properties in Florida and South Carolina, which are states where foreclosures proceed through the courts and of the amounts at December 31, 2013, $508.4 million and $483.4 million, respectively, consist of mortgages relating to properties in Florida and South Carolina. To date, foreclosure activity in the home equity and consumer mortgage loan portfolio has been low. Any foreclosures on these loans are handled by designated Synovus personnel and external legal counsel, as appropriate, following established policies regarding legal and regulatory requirements. Based on information currently available, management believes that it does not have significant exposure related to our foreclosure practices.

Recently Issued Accounting Standards

The following accounting pronouncements were issued during the first nine months of 2014:

ASU 2014-14, "Classification of Certain Government-Guaranteed Mortgage Loans upon Foreclosure." ASU 2014-14 addresses the diversity in practice regarding the classification and measurement of foreclosed loans which were part of a government-sponsored loan guarantee program (i.e., FHA, HUD, and VA).  If (a) the government guarantee is not separable from the loan before foreclosure and (b) at foreclosure, the creditor has the intent to convey the real estate to the guarantor and make a claim on the guarantee, and the creditor has the ability to recover under that claim and (c) at foreclosure any amount of the claim based on the fair value of the real estate is fixed, the loan should be derecognized and a separate other receivable should be recorded upon foreclosure at the amount of the loan balance (principle and interest) expected to be recovered from the guarantor.  The provisions of this ASU are effective for annual periods, and interim reporting periods within those annual periods, beginning after December 15, 2014.  Management does not expect the application of this guidance to have a material impact on Synovus’ Consolidated Financial Statements.

ASU 2014-01, "Equity Method and Joint Ventures:Accounting for Investments in Qualified Affordable Housing Projects." The ASU permits reporting entities to make an accounting policy election to account for their investments in qualified affordable housing projects using a proportional amortization method if certain conditions are met. Under the proportional amortization method, an entity amortizes the initial cost of the investment in proportion to the tax credits and other tax benefits received and recognizes the net investment performance in the income statement as a component of income tax expense. A reporting entity should evaluate whether the conditions have been met to apply the proportional amortization method to an investment in a qualified affordable housing project through a limited liability entity at the time of initial investment on the basis of facts and circumstances that exist at that time. A reporting entity should re-evaluate the conditions upon the occurrence of certain specified events. An investment in a qualified affordable housing project through a limited liability entity should be tested for impairment when there are events or changes in circumstances indicating that it is more likely than not that the carrying amount of the investment will not be realized. For those investments in qualified affordable housing projects not accounted for using the proportional amortization method, the investment should be accounted for as an equity method investment or a cost method investment. The decision to apply the proportional amortization method of accounting is an accounting policy decision that should be applied consistently to all qualifying affordable housing project investments rather than a decision to be applied to individual investments. The provisions of this ASU are effective for annual periods, and interim reporting periods within those annual periods, beginning after December 15, 2014, and will be applied retrospectively to all periods presented. Early adoption is permitted. Management does not expect the application of this guidance to have a material impact on Synovus’ Consolidated Financial Statements.

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ASU 2014-09, "Revenue from Contracts with Customers." ASU 2014-09 establishes a single comprehensive model for entities to use in accounting for revenue arising from contracts with customers and supersedes most current revenue recognition guidance, including industry-specific guidance. The standard is intended to increase comparability across industries and jurisdictions. The core principle of the revenue model is that a company will recognize revenue when it transfers control of goods or services to customers at an amount that reflects the consideration to which it expects to be entitled in exchange for those goods or services. The guidance in ASU 2014-09 is effective for annual reporting periods beginning after December 31, 2016. Early application is not permitted for public entities. Management is currently evaluating the impact of the accounting update on Synovus' Consolidated Financial Statements.

ASU 2014-08, “Presentation of Financial Statements (Topic 205) and Property, Plant, and Equipment (Topic 360): Reporting Discontinued Operations and Disclosures of Disposals of Components of an Entity.” ASU 2014-08 amends the definition of a discontinued operation and requires entities to provide additional disclosures about discontinued operations as well as disposal transactions that do not meet the discontinued operations criteria. Under ASU 2014-08, an entity’s disposal of a component or group of components must be reported in discontinued operations if the disposal represents a strategic shift that has or will have a major impact on an entity’s operations or financial results. Additionally, this ASU requires expanded disclosures about discontinued operations that will provide more information about the assets, liabilities, income, and expenses of discontinued operations. The provisions of this ASU are effective for annual periods, and interim reporting periods within those annual periods, beginning after December 15, 2014, and will be applied retrospectively to all periods presented. Early adoption is permitted. ASU 2014-08 is not expected to have a material impact on Synovus’ Consolidated Financial Statements.

See Note 1 of the notes to the unaudited interim consolidated financial statements for a discussion of recently issued and adopted accounting standards updates.

Critical Accounting Policies

The accounting and financial reporting policies of Synovus are in accordance with U.S. GAAP and conform to the accounting and reporting guidelines prescribed by bank regulatory authorities. Synovus has identified certain of its accounting policies as “critical accounting policies,” consisting of those related to the allowance for loan losses, contingent liabilities related to legal matters, deferred tax assets valuation allowance, other real estate, and determining the fair value of financial instruments. In determining which accounting policies are critical in nature, Synovus has identified the policies that require significant judgment or involve complex estimates. It is management's practice to discuss critical accounting policies with the Board of Directors' Audit Committee, including the development, selection, implementation and disclosure of the critical accounting policies. The application of these policies has a significant impact on Synovus’ unaudited interim consolidated financial statements. Synovus’ financial results could differ significantly if different judgments or estimates are used in the application of these policies. All accounting policies described in Note 1 - Summary of Significant Accounting Policies in Synovus' 2013 Form 10-K should be reviewed for a greater understanding of how we record and report our financial performance. During the nine months ended September 30, 2014, there have been no significant changes to Synovus’ critical accounting policies, estimates and assumptions, or the judgments affecting the application of these estimates and assumptions from those disclosed in Synovus' 2013 Form 10-K.

Allowance for Loan Losses - Dual Risk Rating Implementation

Synovus began implementation of a Dual Risk Rating allowance for loan losses methodology (DRR methodology) for certain components of its commercial and industrial loan portfolio during the third quarter of 2013. The DRR methodology includes sixteen probabilities of default categories and nine categories for estimating losses given an event of default. The result is an expected loss rate established for each borrower. The DRR methodology is generally considered in the banking industry to be a more refined estimate of the inherent risk of loss. The third quarter of 2013 DRR methodology implementation was applied to approximately $2.4 billion of the total commercial and industrial loan portfolio. Implementation of the DRR methodology resulted in a reduction to the provision for loan losses and the allowance for loan losses of approximately $2.5 million for the three months ended September 30, 2013. During the third quarter of 2014, the DRR implementation was expanded to certain components of the investment properties commercial real estate portfolio totaling approximately $2.5 billion. This implementation resulted in an increase to the provision for loan losses and the allowance for loan losses of approximately $1.8 million for the three months ended September 30, 2014.

At September 30, 2014, the DRR methodology is utilized to calculate the allowance for loan losses for 31.2% of the commercial loan portfolio and 25.4% of the total loan portfolio. Management currently expects to implement the DRR methodology for additional components of the commercial loan portfolio over the next few years. The implementation is expected to be in multiple phases, with each component determined based primarily on loan type and size. The timing of future implementations will depend upon completion of applicable data analysis and model assessment. Once full implementation is completed, management estimates that the DRR methodology will be utilized to calculate the allowance for loan losses on commercial loans amounting to over 30% of the total loan portfolio.

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Non-GAAP Financial Measures

The measures entitled adjusted pre-tax, pre-credit costs income, adjusted non-interest income, adjusted non-interest expense, core deposits, core deposits excluding time deposits, core deposits excluding the impact from the Memphis transaction, total deposits excluding the impact from the Memphis transaction, average core deposits, Tier 1 common equity, the tangible common equity to tangible assets ratio, the Tier 1 common equity ratio, and the estimated common equity Tier 1 ratio under final Basel III rules (on a fully phased-in basis) are not measures recognized under U.S. GAAP and therefore are considered non-GAAP financial measures. The most comparable GAAP measures are income before income taxes, total non-interest income, total non-interest expense, total deposits, Tier 1 capital, the ratio of total shareholders’ equity to total assets, and the ratio of Tier 1 capital to risk-weighted assets, respectively.

Management uses these non-GAAP financial measures to assess the performance of Synovus’ core business and the strength of its capital position. Synovus believes that these non-GAAP financial measures provide meaningful additional information about Synovus to assist investors in evaluating Synovus’ operating results, financial strength and capital position. These non-GAAP financial measures should not be considered as a substitute for operating results determined in accordance with GAAP and may not be comparable to other similarly titled measures at other companies. Adjusted pre-tax, pre-credit costs income is a measure used by management to evaluate core operating results exclusive of credit costs as well as certain revenues and expenses such as investment securities gains, net and restructuring charges. Adjusted non-interest income is a measure used by management to evaluate non-interest income exclusive of net investment securities gains and other non-recurring income items. Adjusted non-interest expense is a measure used by management to gauge the success of expense management initiatives focused on reducing recurring controllable operating costs. Core deposits, core deposits excluding time deposits, core deposits excluding the impact from the Memphis transaction, total deposits excluding the impact from the Memphis transaction, and average core deposits are measures used by management to evaluate organic growth of deposits and the quality of deposits as a funding source. Tier 1 common equity, the tangible common equity to tangible assets ratio, the Tier 1 common equity ratio, and the estimated common equity Tier 1 ratio under final Basel III rules (on a fully phased-in basis) are used by management and investment analysts to assess the strength of Synovus’ capital position. The computations of these measures are set forth in the tables below.

Reconciliation of Non-GAAP Financial Measures	Nine Months Ended					Three Months Ended
(in thousands)	September 30, 2014			September 30, 2013		September 30, 2014			September 30, 2013
Adjusted Pre-tax, Pre-credit Costs Income
Income before income taxes	$	223,631		192,918		$	72,656		73,459
Add: Provision for loan losses	25,638			55,534		3,843			6,761
Add: Other credit costs (1)	24,621			40,085		11,858			15,603
Add: Restructuring charges	17,101			7,295		809			687
Add: Litigation settlement expenses	12,349			—		12,349			—
Add: Visa indemnification charges	2,731			801		1,979			—
Less: Investment securities gains, net	(1,331		)	(2,571	)	—			(1,124	)
Less: Gain on sale of Memphis branches, net	(5,789		)	—		—			—
Adjusted Pre-tax, pre-credit costs income	$	298,951		294,062		$	103,494		95,386
Adjusted Non-interest Income
Total non-interest income	$	197,555		193,390		$	63,985		63,578
Less: Investment securities gains, net	(1,331		)	(2,571	)	—			(1,124	)
Less: Gain on sale of Memphis branches, net	$	(5,789	)	—		$	—		—
Adjusted non-interest income	$	190,435		190,819		$	63,985		62,454
Adjusted Non-interest Expense
Total non-interest expense	$	560,115		550,799		193,749			187,328
Less: Other credit costs(1)	(24,621		)	(40,085	)	(11,858		)	(15,603	)
Less: Restructuring charges	(17,101		)	(7,295	)	(809		)	(687	)
Less: Visa indemnification charges	(2,731		)	(801	)	(1,979		)	—
Less: Litigation settlement expenses(2)	(12,349		)	—		(12,349		)	—
Adjusted non-interest expense	$	503,313		502,618		$	166,754		171,038

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(dollars in thousands)	September 30, 2014			June 30, 2014			December 31, 2013		September 30, 2013
Core Deposits, Core Deposits Excluding Time Deposits, Core Deposits Excluding the Impact From the Memphis Transaction, and Total Deposits Excluding the Impact From the Memphis Transaction
Total deposits	$	20,989,781		20,993,467			20,876,790		20,973,856
Less: Brokered deposits	(1,566,934		)	(1,449,420		)	(1,094,002	)	(1,275,200	)
Core deposits	19,422,847			19,544,047			19,782,788		19,698,656
Less: Time deposits	3,240,840			(3,166,496		)	(3,498,200	)	(3,569,752	)
Core deposits excluding time deposits	$	16,182,007		16,377,551			16,284,588		16,128,904
Core deposits	$	19,422,847		$	19,544,047
Add: Impact from the Memphis transaction	191,302			191,302
Core deposits excluding the impact from the Memphis transaction	$	19,614,149		$	19,735,349
Total deposits	$	20,989,781		20,993,467
Add: Impact from the Memphis transaction	191,302			191,302
Total deposits excluding the impact from the Memphis transaction	$	21,181,083		$	21,184,769
Average Core Deposits
Average total deposits	$	20,938,587		20,863,706			21,150,068		20,878,768
Less: Average brokered deposits	(1,494,620		)	(1,401,167		)	(1,194,427	)	(1,333,293	)
Average core deposits	$	19,443,967		19,462,539			19,955,641		19,545,475
Tangible Common Equity to Tangible Assets Ratio
Total assets	$	26,519,110		26,627,290			26,201,604		26,218,360
Less: Goodwill	(24,431		)	(24,431		)	(24,431	)	(24,431	)
Less: Other intangible assets, net	(1,471		)	(1,678		)	(3,415	)	(3,783	)
Tangible Assets	$	26,493,208		26,601,181			26,173,758		26,190,146
Total shareholders' equity	3,076,545			3,053,051			2,948,985		2,931,860
Less: Goodwill	(24,431		)	(24,431		)	(24,431	)	(24,431	)
Less: Other intangible assets, net	(1,471		)	(1,678		)	(3,415	)	(3,783	)
Less: Series C Preferred Stock, no par value	(125,980		)	(125,980		)	(125,862	)	(125,400	)
Tangible common equity	$	2,924,663		2,900,962			2,795,277		2,778,246
Total shareholders' equity to total assets ratio	11.60		%	11.47			11.25		11.18
Tangible common equity to tangible assets ratio	11.04		%	10.91			10.68		10.61

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Reconciliation of Non-GAAP Financial Measures, continued
(dollars in thousands)	September 30, 2014			June 30, 2014		December 31, 2013		September 30, 2013
Tier 1 Common Equity and Tier 1 Common Equity Ratio
Total shareholders' equity	$	3,076,545		3,053,051		2,948,985		2,931,860
Less: Accumulated other comprehensive loss, net	24,827			13,716		41,258		29,514
Less: Goodwill	(24,431		)	(24,431	)	(24,431	)	(24,431	)
Less: Other intangible assets, net	(1,471		)	(1,678	)	(3,415	)	(3,783	)
Less: Disallowed deferred tax assets (3)	(529,342		)	(547,786	)	(618,516	)	(647,828	)
Other items	7,636			7,619		7,612		7,426
Tier 1 capital	$	2,553,764		2,500,491		2,351,493		2,292,758
Less: Qualifying trust preferred securities	(10,000		)	(10,000	)	(10,000	)	(10,000	)
Less: Series C Preferred Stock, no par value	(125,980		)	(125,980	)	(125,862	)	(125,400	)
Tier 1 common equity	$	2,417,784		2,364,511		2,215,631		2,157,358
Total risk-weighted assets	22,817,379			22,702,108		22,316,091		21,735,362
Tier 1 capital ratio	11.19		%	11.01		10.54		10.55
Tier 1 common equity ratio	10.60		%	10.42		9.93		9.93
Estimated Common Equity Tier 1 Ratio Under Basel III Rules (On a Fully Phased-in Basis)
Tier 1 common equity (Basel I)	$	2,417,784
Add: Adjustment related to capital components	63,191
Estimated common equity Tier 1 under final Basel III rules without AOCI	$	2,480,975
Estimated risk-weighted assets under final Basel III rules	23,624,802
Estimated common equity Tier 1 ratio under Basel III rules (on a fully phased-in basis)	10.50		%

⁽¹⁾ Other credit costs consist primarily of foreclosed real estate expense, net.

⁽²⁾ Consists of litigation settlement expenses, including loss contingency accruals, with respect to certain legal matters. Amounts for other periods presented herein are not reported separately as amounts are not material.

⁽³⁾ Only one year of projected future taxable income may be applied in calculating deferred tax assets for regulatory capital purposes.

ITEM 3. – QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

The information presented in the Market Risk Analysis section of the Management's Discussion and Analysis of Financial Condition and Results of Operations is incorporated herein by reference.

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ITEM 4. – CONTROLS AND PROCEDURES

In connection with the preparation of this Quarterly Report on Form 10-Q, an evaluation was carried out by Synovus' management, with the participation of Synovus' Chief Executive Officer and Chief Financial Officer, of the effectiveness of Synovus' disclosure controls and procedures (as defined in Rules 13a-15(e) and 15d-15(e) under the Exchange Act). Disclosure controls and procedures are designed to ensure that information required to be disclosed in reports filed or submitted under the Exchange Act is recorded, processed, summarized and reported within the time periods specified in SEC rules and forms and that such information is accumulated and communicated to management, including the Chief Executive Officer and Chief Financial Officer, to allow timely decisions regarding required disclosures. Based on that evaluation, Synovus' Chief Executive Officer and Chief Financial Officer have concluded that, as of September 30, 2014, Synovus' disclosure controls and procedures were effective.

Synovus regularly engages in productivity and efficiency initiatives to streamline operations, reduce expenses, and increase revenue. Additionally, investment in new and updated information technology systems has enhanced information gathering and processing capabilities; and allowed management to operate in a more centralized environment for critical processing and monitoring functions. Management of Synovus is responsible for identifying, documenting, and evaluating the adequacy of the design and operation of the controls implemented during each process change described above. There have been no material changes in Synovus' internal control over financial reporting (as defined in Rule 13a-15(f) under the Exchange Act) that occurred during the quarter ended September 30, 2014 that has materially affected, or is reasonably likely to materially affect, Synovus' internal controls over financial reporting.

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PART II. – OTHER INFORMATION

ITEM 1. – LEGAL PROCEEDINGS

Synovus and its subsidiaries are subject to various legal proceedings and claims that arise in the ordinary course of its business. Additionally, in the ordinary course of business, Synovus and its subsidiaries are subject to regulatory examinations, information gathering requests, inquiries and investigations. Synovus, like many other financial institutions, has been the target of numerous legal actions and other proceedings asserting claims for damages and related relief for losses resulting from the recent financial crisis. These actions include claims and counterclaims asserted by individual borrowers related to their loans and allegations of violations of state and federal laws and regulations relating to banking practices, including several purported putative class action matters. In addition to actual damages if Synovus does not prevail in any asserted legal action, credit-related litigation could result in additional write-downs or charge-offs of assets, which could adversely affect Synovus' results of operations during the period in which the write-down or charge-off occurred.

Based on our current knowledge and advice of counsel, management presently does not believe that the liabilities arising from these legal matters will have a material adverse effect on Synovus' consolidated financial condition, operating results or cash flows. However, it is possible that the ultimate resolution of these legal matters could have a material adverse effect on Synovus' results of operations and financial condition for any particular period. For additional information, see "Part I - Item 1. Financial Statements - Note 15 - Legal Proceedings" of this Report, which Note is incorporated herein by this reference.

ITEM 1A. – RISK FACTORS

In addition to the other information set forth in this Report, you should carefully consider the factors discussed in “Risk Factors” in Part I-Item 1A of Synovus’ 2013 Form 10-K which could materially affect its business, financial position, results of operations, cash flows, or future results. Please be aware that these risks may change over time and other risks may prove to be important in the future. New risks may emerge at any time, and we cannot predict such risks or estimate the extent to which they may affect our business, financial condition or results of operations, or the trading price of our securities.

There were no material changes during the period covered by this Report to the risk factors previously disclosed in Synovus’ 2013 10-K.

ITEM 2. – UNREGISTERED SALES OF SECURITIES AND USE OF PROCEEDS

None.

ITEM 3. – DEFAULTS UPON SENIOR SECURITIES

None.

ITEM 4. – MINE SAFETY DISCLOSURES

None.

ITEM 5. – OTHER INFORMATION

None.

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ITEM 6. – EXHIBITS

Exhibit Number	Description
3.1	Amended and Restated Articles of Incorporation of Synovus, as amended, incorporated by reference to Exhibit 3.1 of Synovus’ Quarterly Report on Form 10-Q for the quarter ended June 30, 2010, as filed with the SEC on August 9, 2010.
3.2	Articles of Amendment to the Amended and Restated Articles of Incorporation of Synovus with respect to the Series C Preferred Stock, incorporated by reference to Exhibit 3.1 to Synovus' Current Report on Form 8-K dated July 25, 2013, as filed with the SEC on July 25, 2013.
3.3	Articles of Amendment to the Amended and Restated Articles of Incorporation of Synovus, incorporated by reference to Exhibit 3.1 to Synovus' Current Report on Form 8-K dated April 29, 2014, as filed with the SEC on April 29, 2014.
3.4	Articles of Amendment to the Amended and Restated Articles of Incorporation of Synovus, incorporated by reference to Exhibit 3.1 to Synovus' Current Report on Form 8-K dated May 19, 2014, as filed with the SEC on May 19, 2014.
3.5	Bylaws, as amended, of Synovus, incorporated by reference to Exhibit 3.1 of Synovus' Current Report on Form 8-K dated November 8, 2010, as filed with the SEC on November 9, 2010.
4.1	Specimen stock certificate for Fixed Rate Cumulative Perpetual Stock, Series A, incorporated by reference to Exhibit 4.2 of Synovus' Current Report on Form 8-K dated December 17, 2008, as filed with the SEC on December 22, 2008.
4.2	Specimen stock certificate for Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series C, incorporated by reference to Exhibit 4.1 of Synovus' Current Report in Form 8-K dated July 2, 2013, as filed with the SEC on July 25, 2013.
4.3	Warrant for purchase of up to 15,510,737 shares of Synovus Common Stock, incorporated by reference o Exhibit 4.1 of Synovus' Current Report on Form 8-K dated December 17, 2008, as filed with the SEC on December 22, 2008.
4.4	Shareholder Rights Plan, dated as of April 26, 2010, between Synovus Financial Corp. and Mellon Investor Services LLC, as Rights Agent, which includes the Form of Articles of Amendment to the Articles of Incorporation of Synovus Financial Corp. (Series B Participating Cumulative Preferred Stock) as Exhibit A, the Summary of Terms of the Rights Agreement as Exhibit B and the Form of Right Certificate as Exhibit C, incorporated by reference to Exhibit 4.1 of Synovus' Current Report on Form 8-K dated April 26, 2010, as filed with the SEC on April 26, 2010.
4.5	Amendment No. 1, dated as of September 6, 2011 to Shareholder Rights Plan between Synovus Financial Corp. and American Stock Transfer & Trust Company, LLC, incorporated by reference to Exhibit 4.1 of Synovus' Current Report on Form 8-K dated September 6, 2011, as filed with the SEC on September 6, 2011.
4.6	Amendment No. 2, dated April 24, 2013, to Shareholder Rights Plan dated as of April 26, 2010 (as amended) by and between Synovus Financial Corp. and American Stock Transfer and Trust Company, LLC, incorporated by reference to Exhibit 4.1 of Synovus' Current Report on Form 8-K dated April 24, 2013, as filed with the SEC on April 24, 2013.
4.7	Indenture, dated as of June 20, 2005, between Synovus Financial Corp. and The Bank of New York Trust Company, N.A., as trustee, incorporated by reference to Exhibit 4.1 of Synovus' Registration Statement on Form S-4 (No. 333-126767) filed with the SEC on July 21, 2005.
4.8	Senior Notes Indenture, dated as of February 13, 2012, between Synovus Financial Corp. and The Bank of New York Melton Trust Company, N.A., as trustee, incorporated by reference to Exhibit 4.1 of Synovus' Current Report on Form 8-K dated February 8, 2012, as filed with the SEC on February 13, 2012.
4.9	Specimen Physical Stock Certificate of Synovus, incorporated by reference to Exhibit 4.1 to Synovus' Current Report on Form 8-K dated May 19, 2014, as filed with the SEC on May 19, 2014.
12.1	Ratio of Earnings to Fixed Charges.
31.1	Certification of Chief Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.
31.2	Certification of Chief Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.
32	Certification of Chief Executive Officer and Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

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101 Interactive Data File

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SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned thereunto duly authorized.

	SYNOVUS FINANCIAL CORP.
November 5, 2014	By:	/s/ Thomas J. Prescott
Date		Thomas J. Prescott
		Executive Vice President and Chief Financial Officer
		(Duly Authorized Officer and Principal Financial Officer)

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EX-12.1

EXHIBIT 12.1

SYNOVUS FINANCIAL CORP.

RATIO OF EARNINGS TO FIXED CHARGES

	Nine Months Ended September 30, 2014			Years Ended December 31,
(dollars in thousands)				2013	2012	2011		2010		2009
Ratio 1 – Including interest on deposits
Earnings:
Income (loss) from continuing operations before income taxes	$	223,631		252,628	31,477	(59,532	)	(849,170	)	(1,605,908	)
Fixed charges excluding preferred stock dividends and accretion	87,878			126,379	158,225	225,938		342,675		506,873
Total	$	311,509		379,007	189,702	166,406		(506,495	)	(1,099,035	)
Fixed charges:
Interest on deposits	41,246			64,392	95,749	173,885		288,327		456,247
Interest on short-term borrowings	186			324	614	1,063		1,921		3,841
Interest on long-term debt	40,728			54,106	53,659	42,654		44,000		38,791
Portion of rents representative of the interest factor (1/3) of expense	5,718			7,557	8,203	8,336		8,426		7,994
Preferred stock dividends and accretion	7,678			40,830	58,703	58,088		57,510		56,966
Total fixed charges including preferred stock dividends and accretion	$	95,556		167,209	216,928	284,026		400,184		563,839
Ratio of earnings to fixed charges	3.26		x	2.27x	0.87x	0.59x		nm		nm
Ratio 2 – Excluding interest on deposits
Earnings:
Income (loss) from continuing operations before income taxes	$	223,631		252,628	31,477	(59,532	)	(849,170	)	(1,605,908	)
Fixed charges excluding preferred stock dividends and accretion	46,632			61,987	62,475	52,053		54,347		50,626
Total	$	270,263		314,615	93,952	(7,479	)	(794,823	)	(1,555,282	)
Fixed charges:
Interest on short-term borrowings	186			324	614	1,063		1,921		3,841
Interest on long-term debt	40,728			54,106	53,659	42,654		44,000		38,791
Portion of rents representative of the interest factor (1/3) of expense	5,718			7,557	8,203	8,337		8,426		7,994
Preferred stock dividends and accretion	7,678			40,830	58,703	58,088		57,510		56,966
Total fixed charges including preferred stock dividends and accretion	$	54,310		102,817	121,179	110,142		111,857		107,592
Ratio of earnings to fixed charges	4.98		x	3.06x	0.78x	nm		nm		nm

EX-31.1

Exhibit 31.1

CERTIFICATION OF CHIEF EXECUTIVE OFFICER

I, Kessel D. Stelling, certify that:

1. I have reviewed this quarterly report on Form 10-Q of Synovus Financial Corp.;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4. The registrant’s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

(a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under Synovus’ supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to Synovus by others within those entities, particularly during the period in which this report is being prepared;

(b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under Synovus’ supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

(c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

(d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

5. The registrant’s other certifying officer(s) and I have disclosed, based on Synovus’ most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

(a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize, and report financial information; and

(b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

Date:	November 5, 2014	BY:	/s/ Kessel D. Stelling
			Kessel D. Stelling
			Chairman of the Board, President and Chief Executive Officer

EX-31.2

Exhibit 31.2

CERTIFICATION OF CHIEF FINANCIAL OFFICER

I, Thomas J. Prescott, certify that:

1. I have reviewed this quarterly report on Form 10-Q of Synovus Financial Corp.;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4. The registrant’s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

(a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under Synovus’ supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to Synovus by others within those entities, particularly during the period in which this report is being prepared;

(b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under Synovus’ supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

(c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

(d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

5. The registrant’s other certifying officer(s) and I have disclosed, based on Synovus’ most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

(a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize, and report financial information; and

(b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

Date:	November 5, 2014	BY:	/s/ Thomas J. Prescott
			Thomas J. Prescott
			Chief Financial Officer

EX-32

Exhibit 32

CERTIFICATION OF PERIODIC REPORT

Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350, Kessel D. Stelling, the Chief Executive Officer of Synovus Financial Corp. (the “Company”), and Thomas J. Prescott, the Chief Financial Officer of the Company, hereby certify that, to the best of their knowledge:

(1) The Company’s Quarterly Report on Form 10-Q for the period ended September 30, 2014 (the “Report”) fully complies with the requirements of section 13(a) or section 15(d) of the Securities Exchange Act of 1934; and

(2) The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

Date:	November 5, 2014	BY:	/s/ Kessel D. Stelling
			Kessel D. Stelling
			Chairman of the Board, President and Chief Executive Officer
Date:	November 5, 2014	BY:	/s/ Thomas J. Prescott
			Thomas J. Prescott
			Chief Financial Officer

This certification “accompanies” the Form 10-Q to which it relates, is not deemed filed with the SEC and is not to be incorporated by reference into any filing of the Company under the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended (whether made before or after the date of the Form 10-Q, irrespective of any general incorporation contained in such filing.)

XML

Investment Securities (Amortized Cost And Estimated Fair Value By Contractual Maturity Of Investment Securities Available For Sale) (Details) (USD $) In Thousands, unless otherwise specified	Sep. 30, 2014
Schedule of Available-for-sale Securities [Line Items]
Within One year, Amortized Cost	$ 18,407
1 to 5 Years, Amortized Cost	122,537
5 to 10 Years, Amortized Cost	1,940,198
More Than 10 years, Amortized Cost	963,039
No Stated Maturity, Amortized Cost	5,338
Total, Amortized Cost	3,049,519
Within One Year, Fair Value	18,434
1 to 5 Years, Fair Value	123,933
5 to 10 Years, Fair Value	1,926,768
More Than 10 years, Fair Value	972,758
No Stated Maturity, Fair Value	8,364
Total, Fair Value	3,050,257
U.S. Treasury Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Within One year, Amortized Cost	17,793
1 to 5 Years, Amortized Cost	24,834
5 to 10 Years, Amortized Cost	0
More Than 10 years, Amortized Cost	0
No Stated Maturity, Amortized Cost	0
Total, Amortized Cost	42,627
Within One Year, Fair Value	17,793
1 to 5 Years, Fair Value	24,875
5 to 10 Years, Fair Value	0
More Than 10 years, Fair Value	0
No Stated Maturity, Fair Value	0
Total, Fair Value	42,668
U.S. Government Agency Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Within One year, Amortized Cost	78
1 to 5 Years, Amortized Cost	12,577
5 to 10 Years, Amortized Cost	13,780
More Than 10 years, Amortized Cost	0
No Stated Maturity, Amortized Cost	0
Total, Amortized Cost	26,435
Within One Year, Fair Value	80
1 to 5 Years, Fair Value	13,014
5 to 10 Years, Fair Value	14,375
More Than 10 years, Fair Value	0
No Stated Maturity, Fair Value	0
Total, Fair Value	27,469
Securities Issued By U.S. Government Sponsored Enterprises [Member]
Schedule of Available-for-sale Securities [Line Items]
Within One year, Amortized Cost	0
1 to 5 Years, Amortized Cost	81,549
5 to 10 Years, Amortized Cost	0
More Than 10 years, Amortized Cost	0
No Stated Maturity, Amortized Cost	0
Total, Amortized Cost	81,549
Within One Year, Fair Value	0
1 to 5 Years, Fair Value	82,327
5 to 10 Years, Fair Value	0
More Than 10 years, Fair Value	0
No Stated Maturity, Fair Value	0
Total, Fair Value	82,327
Mortgage-Backed Securities Issued By U.S. Government Agencies [Member]
Schedule of Available-for-sale Securities [Line Items]
Within One year, Amortized Cost	5
1 to 5 Years, Amortized Cost	1
5 to 10 Years, Amortized Cost	0
More Than 10 years, Amortized Cost	176,248
No Stated Maturity, Amortized Cost	0
Total, Amortized Cost	176,254
Within One Year, Fair Value	5
1 to 5 Years, Fair Value	1
5 to 10 Years, Fair Value	0
More Than 10 years, Fair Value	177,389
No Stated Maturity, Fair Value	0
Total, Fair Value	177,395
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Schedule of Available-for-sale Securities [Line Items]
Within One year, Amortized Cost	431
1 to 5 Years, Amortized Cost	1,605
5 to 10 Years, Amortized Cost	1,926,129
More Than 10 years, Amortized Cost	395,396
No Stated Maturity, Amortized Cost	0
Total, Amortized Cost	2,323,561
Within One Year, Fair Value	456
1 to 5 Years, Fair Value	1,707
5 to 10 Years, Fair Value	1,912,088
More Than 10 years, Fair Value	402,357
No Stated Maturity, Fair Value	0
Total, Fair Value	2,316,608
Collateralized Mortgage-Backed Securities Issued By U.S. Government Sponsored Enterprises [Member]
Schedule of Available-for-sale Securities [Line Items]
Within One year, Amortized Cost	0
1 to 5 Years, Amortized Cost	0
5 to 10 Years, Amortized Cost	0
More Than 10 years, Amortized Cost	371,656
No Stated Maturity, Amortized Cost	0
Total, Amortized Cost	371,656
Within One Year, Fair Value	0
1 to 5 Years, Fair Value	0
5 to 10 Years, Fair Value	0
More Than 10 years, Fair Value	373,459
No Stated Maturity, Fair Value	0
Total, Fair Value	373,459
State And Municipal Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Within One year, Amortized Cost	100
1 to 5 Years, Amortized Cost	1,971
5 to 10 Years, Amortized Cost	289
More Than 10 years, Amortized Cost	2,739
No Stated Maturity, Amortized Cost	0
Total, Amortized Cost	5,099
Within One Year, Fair Value	100
1 to 5 Years, Fair Value	2,009
5 to 10 Years, Fair Value	305
More Than 10 years, Fair Value	2,887
No Stated Maturity, Fair Value	0
Total, Fair Value	5,301
Securities With No Stated Maturity (Equity Securities) [Member]
Schedule of Available-for-sale Securities [Line Items]
Within One year, Amortized Cost	0
1 to 5 Years, Amortized Cost	0
5 to 10 Years, Amortized Cost	0
More Than 10 years, Amortized Cost	0
No Stated Maturity, Amortized Cost	3,228
Total, Amortized Cost	3,228
Within One Year, Fair Value	0
1 to 5 Years, Fair Value	0
5 to 10 Years, Fair Value	0
More Than 10 years, Fair Value	0
No Stated Maturity, Fair Value	6,357
Total, Fair Value	6,357
Other Investments [Member]
Schedule of Available-for-sale Securities [Line Items]
Within One year, Amortized Cost	0
1 to 5 Years, Amortized Cost	0
5 to 10 Years, Amortized Cost	0
More Than 10 years, Amortized Cost	17,000
No Stated Maturity, Amortized Cost	2,110
Total, Amortized Cost	19,110
Within One Year, Fair Value	0
1 to 5 Years, Fair Value	0
5 to 10 Years, Fair Value	0
More Than 10 years, Fair Value	16,666
No Stated Maturity, Fair Value	2,007
Total, Fair Value	$ 18,673

XML

Fair Value Accounting (Financial Instruments Measured At Fair Value On A Recurring Basis) (Details) (USD $) In Thousands, unless otherwise specified	Sep. 30, 2014		Dec. 31, 2013
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading securities	$ 12,705		$ 6,113
Investment securities available for sale	3,050,257		3,199,358
Mortgage-Backed Securities Issued By U.S. Government Agencies [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available for sale	177,395		195,117
Collateralized Mortgage Obligations Issued By U.S. Government Sponsored Enterprises [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available for sale	373,459		398,540
State And Municipal Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available for sale	5,301		6,889
Other Investments [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available for sale	18,673		3,691
U.S. Treasury Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available for sale	42,668		17,791
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available for sale	2,316,608		2,421,360
Equity Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available for sale	6,357		7,584
Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading securities	97		0
Investment securities available for sale	51,031		26,716
Private equity investments	0		0
Derivative assets	0		0
Salary stock units	728		1,764
Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading securities	12,608		6,113
Investment securities available for sale	2,997,441		3,170,292
Private equity investments	1,094		1,615
Derivative assets	31,322		40,004
Salary stock units	0		0
Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading securities	0		0
Investment securities available for sale	1,785		2,350
Private equity investments	27,232		27,745
Derivative assets	0		0
Salary stock units	0		0
Fair Value, Measurements, Recurring [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading securities	12,705		6,113
Mortgage loans held for sale	72,333		45,384
Investment securities available for sale	3,050,257		3,199,358
Private equity investments	28,326		29,360
Mutual funds held in Rabbi Trusts	10,817		11,246
Derivative assets	31,322		40,004
Trading account liabilities	6,264
Salary stock units	728		1,764
Derivative liabilities	35,030		42,142
Fair Value, Measurements, Recurring [Member] | Mortgage-Backed Securities Issued By U.S. Government Agencies [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading securities	3,502
Investment securities available for sale	177,395		195,117
Fair Value, Measurements, Recurring [Member] | Collateralized Mortgage Obligations Issued By U.S. Government Sponsored Enterprises [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading securities	3,677		2,465
Investment securities available for sale	373,459		398,540
Fair Value, Measurements, Recurring [Member] | State And Municipal Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading securities	0		429
Investment securities available for sale	5,301		6,889
Fair Value, Measurements, Recurring [Member] | All Other Mortgage-Backed Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading securities	4,174		968
Fair Value, Measurements, Recurring [Member] | Other Investments [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading securities	1,352		2,251
Investment securities available for sale	18,673	[1]	3,691	[1]
Fair Value, Measurements, Recurring [Member] | U.S. Treasury Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available for sale	42,668		17,791
Fair Value, Measurements, Recurring [Member] | US Government Agencies Debt Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available for sale	27,469		34,641
Fair Value, Measurements, Recurring [Member] | Securities Issued By U S Government Sponsored Enterprises [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available for sale	82,327		113,745
Fair Value, Measurements, Recurring [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available for sale	2,316,608		2,421,360
Fair Value, Measurements, Recurring [Member] | Equity Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available for sale	6,357		7,584
Fair Value, Measurements, Recurring [Member] | Mortgages [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading account liabilities			1,763
Fair Value, Measurements, Recurring [Member] | Interest Rate Contracts [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Derivative assets	30,184		38,482
Derivative liabilities	30,689		39,436
Fair Value, Measurements, Recurring [Member] | Mortgage Derivatives [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Derivative assets	1,138		1,522
Derivative liabilities	320	[2]
Fair Value, Measurements, Recurring [Member] | Other Derivative Contracts, Net [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Derivative liabilities	4,021		2,706
Fair Value, Measurements, Recurring [Member] | Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading securities	97		0
Mortgage loans held for sale	0		0
Investment securities available for sale	51,031		26,716
Private equity investments	0		0
Mutual funds held in Rabbi Trusts	10,817		11,246
Derivative assets	0		0
Trading account liabilities	0
Salary stock units	728		1,764
Derivative liabilities	0		0
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Mortgage-Backed Securities Issued By U.S. Government Agencies [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading securities	0
Investment securities available for sale	0		0
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Collateralized Mortgage Obligations Issued By U.S. Government Sponsored Enterprises [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading securities	0		0
Investment securities available for sale	0		0
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | State And Municipal Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading securities	0		0
Investment securities available for sale	0		0
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | All Other Mortgage-Backed Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading securities	0		0
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Other Investments [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading securities	97		0
Investment securities available for sale	2,006	[1]	1,969	[1]
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | U.S. Treasury Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available for sale	42,668		17,791
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | US Government Agencies Debt Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available for sale	0		0
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Securities Issued By U S Government Sponsored Enterprises [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available for sale	0		0
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available for sale	0		0
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Equity Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available for sale	6,357		6,956
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Mortgages [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading account liabilities			0
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Interest Rate Contracts [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Derivative assets	0		0
Derivative liabilities	0		0
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Mortgage Derivatives [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Derivative assets	0		0
Derivative liabilities	0	[2]
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Other Derivative Contracts, Net [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Derivative liabilities	0		0
Fair Value, Measurements, Recurring [Member] | Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading securities	12,608		6,113
Mortgage loans held for sale	72,333		45,384
Investment securities available for sale	2,997,441		3,170,292
Private equity investments	1,094		1,615
Mutual funds held in Rabbi Trusts	0		0
Derivative assets	31,322		40,004
Trading account liabilities	6,264
Salary stock units	0		0
Derivative liabilities	31,009		39,436
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Mortgage-Backed Securities Issued By U.S. Government Agencies [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading securities	3,502
Investment securities available for sale	177,395		195,117
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Collateralized Mortgage Obligations Issued By U.S. Government Sponsored Enterprises [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading securities	3,677		2,465
Investment securities available for sale	373,459		398,540
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | State And Municipal Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading securities	0		429
Investment securities available for sale	5,301		6,889
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | All Other Mortgage-Backed Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading securities	4,174		968
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Other Investments [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading securities	1,255		2,251
Investment securities available for sale	14,882	[1]	0	[1]
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | U.S. Treasury Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available for sale	0		0
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | US Government Agencies Debt Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available for sale	27,469		34,641
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Securities Issued By U S Government Sponsored Enterprises [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available for sale	82,327		113,745
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available for sale	2,316,608		2,421,360
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Equity Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available for sale	0		0
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Mortgages [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading account liabilities			1,763
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Interest Rate Contracts [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Derivative assets	30,184		38,482
Derivative liabilities	30,689		39,436
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Mortgage Derivatives [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Derivative assets	1,138		1,522
Derivative liabilities	320	[2]
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Other Derivative Contracts, Net [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Derivative liabilities	0		0
Fair Value, Measurements, Recurring [Member] | Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading securities	0		0
Mortgage loans held for sale	0		0
Investment securities available for sale	1,785		2,350
Private equity investments	27,232		27,745
Mutual funds held in Rabbi Trusts	0		0
Derivative assets	0		0
Trading account liabilities	0
Salary stock units	0		0
Derivative liabilities	4,021		2,706
Fair Value, Measurements, Recurring [Member] | Level 3 [Member] | Mortgage-Backed Securities Issued By U.S. Government Agencies [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading securities	0
Investment securities available for sale	0		0
Fair Value, Measurements, Recurring [Member] | Level 3 [Member] | Collateralized Mortgage Obligations Issued By U.S. Government Sponsored Enterprises [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading securities	0		0
Investment securities available for sale	0		0
Fair Value, Measurements, Recurring [Member] | Level 3 [Member] | State And Municipal Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading securities	0		0
Investment securities available for sale	0		0
Fair Value, Measurements, Recurring [Member] | Level 3 [Member] | All Other Mortgage-Backed Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading securities	0		0
Fair Value, Measurements, Recurring [Member] | Level 3 [Member] | Other Investments [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading securities	0		0
Investment securities available for sale	1,785	[1]	1,722	[1]
Fair Value, Measurements, Recurring [Member] | Level 3 [Member] | U.S. Treasury Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available for sale	0		0
Fair Value, Measurements, Recurring [Member] | Level 3 [Member] | US Government Agencies Debt Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available for sale	0		0
Fair Value, Measurements, Recurring [Member] | Level 3 [Member] | Securities Issued By U S Government Sponsored Enterprises [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available for sale	0		0
Fair Value, Measurements, Recurring [Member] | Level 3 [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available for sale	0		0
Fair Value, Measurements, Recurring [Member] | Level 3 [Member] | Equity Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available for sale	0		628
Fair Value, Measurements, Recurring [Member] | Level 3 [Member] | Mortgages [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Trading account liabilities			0
Fair Value, Measurements, Recurring [Member] | Level 3 [Member] | Interest Rate Contracts [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Derivative assets	0		0
Derivative liabilities	0		0
Fair Value, Measurements, Recurring [Member] | Level 3 [Member] | Mortgage Derivatives [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Derivative assets	0		0
Derivative liabilities	0	[2]
Fair Value, Measurements, Recurring [Member] | Level 3 [Member] | Other Derivative Contracts, Net [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Derivative liabilities	$ 4,021		$ 2,706

[1] Based on an analysis of the nature and risks of these investments, Synovus has determined that presenting these investments as a single asset class is appropriate.

[2] Mortgage derivatives consist of customer interest rate lock commitments that relate to the potential origination of mortgage loans, which would be classified as held for sale and forward loan sales commitments with third party investors.

XML

Loans and Allowance for Loan Losses (Troubled Debt Restructurings) (Details) (USD $) In Thousands, unless otherwise specified	3 Months Ended				9 Months Ended
	Sep. 30, 2014 Contract		Sep. 30, 2013 Contract		Sep. 30, 2014 Contract		Sep. 30, 2013 Contract
Financing Receivable, Modifications [Line Items]
Number of Contracts	61		149		188		485
Recorded Investment	$ 21,757	[1]	$ 216,194	[2]	$ 96,417	[3]	$ 382,596	[4]
Net charge-offs	163		146		163		199
Home Equity Lines [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	5		0		11		1
Recorded Investment	435		0		1,614		80
Consumer Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	5		39		13		123
Recorded Investment	755		4,072		2,611		14,234
Credit Cards [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	0		0		0		0
Recorded Investment	0		0		0		0
Other Retail Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	7		18		17		56
Recorded Investment	251		815		928		2,303
Investment Properties [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	4		13		14		44
Recorded Investment	4,774		74,111		14,021		125,635
1-4 Family Properties [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	7		41		36		99
Recorded Investment	1,082		6,965		6,249		37,916
Land Acquisition [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	3		10		15		26
Recorded Investment	3,188		110,827		9,747		123,464
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	14		64		65		169
Recorded Investment	9,044		191,903		30,017		287,015
Commercial, Financial and Agricultural [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	28		16		68		85
Recorded Investment	8,438		5,889		24,676		34,458
Owner-Occupied [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	2		12		14		51
Recorded Investment	2,833		13,515		36,570		44,506
Commercial and Industrial [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	30		28		82		136
Recorded Investment	11,272		19,404		61,247		78,964
Retail [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	17		57		41		180
Recorded Investment	1,441		4,887		5,153		16,617
Principal Forgiveness [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	2,398				2,398		681
Principal Forgiveness [Member] | Home Equity Lines [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	0		0		0		0
Principal Forgiveness [Member] | Consumer Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	0		0		0		0
Principal Forgiveness [Member] | Credit Cards [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	0		0		0		0
Principal Forgiveness [Member] | Other Retail Loans [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	0		0		0		0
Principal Forgiveness [Member] | Investment Properties [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	0		0		0		0
Principal Forgiveness [Member] | 1-4 Family Properties [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	0		0		0		424
Principal Forgiveness [Member] | Land Acquisition [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	2,338		0		2,338		74
Principal Forgiveness [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	2,338		0		2,338		498
Principal Forgiveness [Member] | Commercial, Financial and Agricultural [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	60		0		60		183
Principal Forgiveness [Member] | Owner-Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	0		0		0		0
Principal Forgiveness [Member] | Commercial and Industrial [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	60		0		60		183
Principal Forgiveness [Member] | Retail [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	0		0		0		0
Below Market Interest Rate [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	8,839		199,490		49,354		318,033
Below Market Interest Rate [Member] | Home Equity Lines [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	435		0		1,163		0
Below Market Interest Rate [Member] | Consumer Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	543		3,106		2,296		10,230
Below Market Interest Rate [Member] | Credit Cards [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	0		0		0		0
Below Market Interest Rate [Member] | Other Retail Loans [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	101		419		543		879
Below Market Interest Rate [Member] | Investment Properties [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	875		74,111		8,423		121,263
Below Market Interest Rate [Member] | 1-4 Family Properties [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	879		4,832		2,390		28,863
Below Market Interest Rate [Member] | Land Acquisition [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	204		108,295		4,721		113,627
Below Market Interest Rate [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	1,958		187,238		15,534		263,753
Below Market Interest Rate [Member] | Commercial, Financial and Agricultural [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	3,098		3,152		7,639		21,600
Below Market Interest Rate [Member] | Owner-Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	2,703		5,575		22,178		21,571
Below Market Interest Rate [Member] | Commercial and Industrial [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	5,802		8,727		29,818		43,171
Below Market Interest Rate [Member] | Retail [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	1,079		3,525		4,002		11,109
Term Extensions and or Other Concessions [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	10,520		16,704		44,665		63,882
Term Extensions and or Other Concessions [Member] | Home Equity Lines [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	0		0		451		80
Term Extensions and or Other Concessions [Member] | Consumer Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	212		966		315		4,004
Term Extensions and or Other Concessions [Member] | Credit Cards [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment			0		0		0
Term Extensions and or Other Concessions [Member] | Other Retail Loans [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	150		396		385		1,424
Term Extensions and or Other Concessions [Member] | Investment Properties [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	3,899		0		5,598		4,372
Term Extensions and or Other Concessions [Member] | 1-4 Family Properties [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	203		2,133		3,859		8,629
Term Extensions and or Other Concessions [Member] | Land Acquisition [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	646		2,532		2,688		9,763
Term Extensions and or Other Concessions [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	4,748		4,665		12,145		22,764
Term Extensions and or Other Concessions [Member] | Commercial, Financial and Agricultural [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	5,280		2,737		16,977		12,675
Term Extensions and or Other Concessions [Member] | Owner-Occupied [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	130		7,940		14,392		22,935
Term Extensions and or Other Concessions [Member] | Commercial and Industrial [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	5,410		10,677		31,369		35,610
Term Extensions and or Other Concessions [Member] | Retail [Member]
Financing Receivable, Modifications [Line Items]
Recorded Investment	$ 362		$ 1,362		$ 1,151		$ 5,508

[1] Net charge-offs of $163 thousand were recorded during the three months ended September 30, 2014 upon restructuring of these loans.

[2] Net charge-offs of $146 thousand were recorded during the three months ended September 30, 2013 upon restructuring of these loans.

[3] Net charge-offs of $163 thousand were recorded during the nine months ended September 30, 2014 upon restructuring of these loans.

[4] Net charge-offs of $199 thousand were recorded during the nine months ended September 30, 2013 upon restructuring of these loans.

XML

Fair Value Accounting (Changes In Fair Value Included In Consolidated Statements Of Income) (Details) (USD $) In Thousands, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013	Dec. 31, 2013
Fair Value Disclosures [Abstract]
Mortgage loans held for sale	$ (813)	$ 4,092	$ 969	$ (3,838)
Aggregate fair value	72,333		72,333		45,384
Unpaid principal balance	70,924		70,924		44,943
Aggregate fair value less aggregate unpaid principal balance	$ 1,409		$ 1,409		$ 441

XML

Loans and Allowance for Loan Losses (Schedule Of Allowances For Loan Losses And Recorded Investment In Loans) (Details) (USD $)	3 Months Ended			9 Months Ended
	Sep. 30, 2014		Sep. 30, 2013	Sep. 30, 2014		Sep. 30, 2013	Dec. 31, 2013
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance, allowance	$ 277,783,000		$ 334,880,000	$ 307,560,000		$ 373,405,000
Allowance for loan losses of sold branches				(1,019,000)
Charge-offs	(22,761,000)		(30,253,000)	(87,117,000)		(145,288,000)
Recoveries	10,511,000		7,224,000	24,314,000		34,961,000
Provision for loan losses	3,843,000		6,761,000	25,638,000		55,534,000
Ending balance, allowance	269,376,000		318,612,000	269,376,000		318,612,000
Ending balance: individually evaluated for impairment, allowance	39,165,000		78,051,000	39,165,000		78,051,000
Ending balance: collectively evaluated for impairment, allowance	230,211,000		240,561,000	230,211,000		240,561,000
Total loans	20,617,415,000	[1]	19,736,612,000	20,617,415,000	[1]	19,736,612,000	20,086,660,000	[2]
Ending balance: individually evaluated for impairment, loans	537,540,000		881,953,000	537,540,000		881,953,000
Ending balance: collectively evaluated for impairment, loans	20,079,875,000		18,854,659,000	20,079,875,000		18,854,659,000
Deferred fees and costs, net	28,800,000		25,000,000	28,800,000		25,000,000	28,900,000
Commercial Real Estate [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance, allowance	104,394,000		138,329,000	127,646,000		167,926,000
Allowance for loan losses of sold branches				(281,000)
Charge-offs	(5,233,000)		(9,474,000)	(41,139,000)		(73,825,000)
Recoveries	3,099,000		2,766,000	8,318,000		11,861,000
Provision for loan losses	(271,000)		5,562,000	7,445,000		31,221,000
Ending balance, allowance	101,989,000		137,183,000	101,989,000		137,183,000
Ending balance: individually evaluated for impairment, allowance	22,107,000		50,737,000	22,107,000		50,737,000
Ending balance: collectively evaluated for impairment, allowance	79,882,000		86,446,000	79,882,000		86,446,000
Total loans	6,745,379,000	[1]	6,458,518,000	6,745,379,000	[1]	6,458,518,000
Ending balance: individually evaluated for impairment, loans	317,011,000		569,128,000	317,011,000		569,128,000
Ending balance: collectively evaluated for impairment, loans	6,428,368,000		5,889,390,000	6,428,368,000		5,889,390,000
Commercial and Industrial [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance, allowance	130,814,000		133,190,000	115,435,000		138,495,000
Allowance for loan losses of sold branches				(398,000)
Charge-offs	(11,306,000)		(13,871,000)	(26,896,000)		(44,104,000)
Recoveries	5,257,000		2,152,000	9,562,000		17,266,000
Provision for loan losses	78,000		(2,352,000)	27,140,000		7,462,000
Ending balance, allowance	124,843,000		119,119,000	124,843,000		119,119,000
Ending balance: individually evaluated for impairment, allowance	15,863,000		25,194,000	15,863,000		25,194,000
Ending balance: collectively evaluated for impairment, allowance	108,980,000		93,925,000	108,980,000		93,925,000
Total loans	10,017,075,000	[1]	9,705,425,000	10,017,075,000	[1]	9,705,425,000
Ending balance: individually evaluated for impairment, loans	172,860,000		259,764,000	172,860,000		259,764,000
Ending balance: collectively evaluated for impairment, loans	9,844,215,000		9,445,661,000	9,844,215,000		9,445,661,000
Retail [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance, allowance	42,575,000		40,361,000	41,479,000		38,984,000
Allowance for loan losses of sold branches				(340,000)
Charge-offs	(6,222,000)		(6,908,000)	(19,082,000)		(27,359,000)
Recoveries	2,155,000		2,306,000	6,434,000		5,834,000
Provision for loan losses	4,036,000		3,551,000	14,053,000		21,851,000
Ending balance, allowance	42,544,000		39,310,000	42,544,000		39,310,000
Ending balance: individually evaluated for impairment, allowance	1,195,000		2,120,000	1,195,000		2,120,000
Ending balance: collectively evaluated for impairment, allowance	41,349,000		37,190,000	41,349,000		37,190,000
Total loans	3,854,961,000	[1]	3,572,669,000	3,854,961,000	[1]	3,572,669,000
Ending balance: individually evaluated for impairment, loans	47,669,000		53,061,000	47,669,000		53,061,000
Ending balance: collectively evaluated for impairment, loans	3,807,292,000		3,519,608,000	3,807,292,000		3,519,608,000
Unallocated [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance, allowance	0		23,000,000	23,000,000		28,000,000
Allowance for loan losses of sold branches				0
Charge-offs	0		0	0		0
Recoveries	0		0	0		0
Provision for loan losses	0		0	(23,000,000)		(5,000,000)
Ending balance, allowance	0		23,000,000	0		23,000,000
Ending balance: individually evaluated for impairment, allowance	0		0	0		0
Ending balance: collectively evaluated for impairment, allowance	0		23,000,000	0		23,000,000
Total loans	0	[1]	0	0	[1]	0
Ending balance: individually evaluated for impairment, loans	0		0	0		0
Ending balance: collectively evaluated for impairment, loans	$ 0		$ 0	$ 0		$ 0

[1] Total before net deferred fees and costs of $28.8 million.

[2] Total before net deferred fees and costs of $28.9 million.

XML

Share Repurchase Program (Details) (Subsequent Event [Member], Maximum [Member], USD $)	0 Months Ended
	Oct. 21, 2014
Subsequent Event [Member] | Maximum [Member]
Equity, Class of Treasury Stock [Line Items]
Authorized amount	$ 250,000,000

XML

Fair Value Accounting (Assets And Liabilities Measured At Fair Value On A Non-Recurring Basis) (Details) (USD $) In Thousands, unless otherwise specified	Sep. 30, 2014		Dec. 31, 2013
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	$ 537,540		$ 836,554
Other loans held for sale	338		10,685
Other real estate	81,636		112,629
Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other loans held for sale	0		0
Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other loans held for sale	0		0
Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other loans held for sale	338		10,685
Fair Value, Measurements, Nonrecurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	37,790	[1]	170,693	[1]
Other loans held for sale	338		9,670
Other real estate	25,928		50,070
Other assets held for sale	7,744		4,945
Fair Value, Measurements, Nonrecurring [Member] | Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	0	[1]	0	[1]
Other loans held for sale	0		0
Other real estate	0		0
Other assets held for sale	0		0
Fair Value, Measurements, Nonrecurring [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	0	[1]	0	[1]
Other loans held for sale	0		0
Other real estate	0		0
Other assets held for sale	0		0
Fair Value, Measurements, Nonrecurring [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	37,790	[1]	170,693	[1]
Other loans held for sale	338		9,670
Other real estate	25,928		50,070
Other assets held for sale	$ 7,744		$ 4,945

[1] Impaired loans that are collateral-dependent.

XML

Investment Securities (Tables)

9 Months Ended

Sep. 30, 2014

Investments [Abstract]

Summary of Available-for-Sale Investment Securities

The amortized cost, gross unrealized gains and losses, and estimated fair values of investment securities available for sale at September 30, 2014 and December 31, 2013 are summarized below.

	September 30, 2014
(in thousands)	Amortized Cost(1)		Gross Unrealized Gains	Gross Unrealized Losses		Fair Value
U.S. Treasury securities	$	42,627	41	—		42,668
U.S. Government agency securities	26,435		1,034	—		27,469
Securities issued by U.S. Government sponsored enterprises	81,549		778	—		82,327
Mortgage-backed securities issued by U.S. Government agencies	176,254		2,074	(933	)	177,395
Mortgage-backed securities issued by U.S. Government sponsored enterprises	2,323,561		13,516	(20,469	)	2,316,608
Collateralized mortgage obligations issued by U.S. Government agencies or sponsored enterprises	371,656		4,052	(2,249	)	373,459
State and municipal securities	5,099		204	(2	)	5,301
Equity securities	3,228		3,129	—		6,357
Other investments	19,110		—	(437	)	18,673
Total investment securities available for sale	$	3,049,519	24,828	(24,090	)	3,050,257
	December 31, 2013
(in thousands)	Amortized Cost(1)		Gross Unrealized Gains	Gross Unrealized Losses		Fair Value
U.S. Treasury securities	$	17,791	—	—		17,791
U.S. Government agency securities	33,480		1,161	—		34,641
Securities issued by U.S. Government sponsored enterprises	112,305		1,440	—		113,745
Mortgage-backed securities issued by U.S. Government agencies	196,521		2,257	(3,661	)	195,117
Mortgage-backed securities issued by U.S. Government sponsored enterprises	2,443,282		9,718	(31,640	)	2,421,360
Collateralized mortgage obligations issued by U.S. Government agencies or sponsored enterprises	406,717		698	(8,875	)	398,540
State and municipal securities	6,723		168	(2	)	6,889
Equity securities	3,856		3,728	—		7,584
Other investments	4,074		—	(383	)	3,691
Total investment securities available for sale	$	3,224,749	19,170	(44,561	)	3,199,358

⁽¹⁾  Amortized cost is adjusted for other-than-temporary impairment charges in 2014 and 2013, which have been recognized in the consolidated statements of income in the applicable year, and were considered inconsequential.

Schedule of Unrealized Loss on Investments

Gross unrealized losses on investment securities and the fair value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, at September 30, 2014 and December 31, 2013, are presented below.

	September 30, 2014
	Less than 12 Months			12 Months or Longer		Total
(in thousands)	Fair Value		Gross Unrealized Losses	Fair Value	Gross Unrealized Losses	Fair Value	Gross Unrealized Losses
U.S. Treasury securities	$	—	—	—	—	—	—
U.S. Government agency securities	—		—	—	—	—	—
Securities issued by U.S. Government sponsored enterprises	—		—	—	—	—	—
Mortgage-backed securities issued by U.S. Government agencies	9,678		14	29,955	919	39,633	933
Mortgage-backed securities issued by U.S. Government sponsored enterprises	220,542		562	1,099,220	19,907	1,319,762	20,469
Collateralized mortgage obligations issued by U.S. Government agencies or sponsored enterprises	—		—	122,239	2,249	122,239	2,249
State and municipal securities	—		—	43	2	43	2
Equity securities	—		—	—	—	—	—
Other investments	16,889		221	1,784	216	18,673	437
Total	$	247,109	797	1,253,241	23,293	1,500,350	24,090
	December 31, 2013
	Less than 12 Months			12 Months or Longer		Total
(in thousands)	Fair Value		Gross Unrealized Losses	Fair Value	Gross Unrealized Losses	Fair Value	Gross Unrealized Losses
U.S. Treasury securities	$	—	—	—	—	—	—
U.S. Government agency securities	—		—	—	—	—	—
Securities issued by U.S. Government sponsored enterprises	—		—	—	—	—	—
Mortgage-backed securities issued by U.S. Government agencies	121,607		3,363	2,951	298	124,558	3,661
Mortgage-backed securities issued by U.S. Government sponsored enterprises	1,885,521		31,640	—	—	1,885,521	31,640
Collateralized mortgage obligations issued by U.S. Government agencies or sponsored enterprises	282,898		8,875	—	—	282,898	8,875
State and municipal securities	—		—	40	2	40	2
Equity securities	—		—	—	—	—	—
Other investments	1,969		105	1,722	278	3,691	383
Total	$	2,291,995	43,983	4,713	578	2,296,708	44,561

Amortized Cost and Estimated Fair Value by Contractual Maturity of Investment Securities Available-for-Sale

For purposes of the maturity table, mortgage-backed securities and CMOs, which are not due at a single maturity date, have been classified based on the final contractual maturity date.

	Distribution of Maturities at September 30, 2014
(in thousands)	Within One Year		1 to 5 Years	5 to 10 Years	More Than 10 Years	No Stated Maturity	Total
Amortized Cost
U.S. Treasury securities	$	17,793	24,834	—	—	—	42,627
U.S. Government agency securities	78		12,577	13,780	—	—	26,435
Securities issued by U.S. Government sponsored enterprises	—		81,549	—	—	—	81,549
Mortgage-backed securities issued by U.S. Government agencies	5		1	—	176,248	—	176,254
Mortgage-backed securities issued by U.S. Government sponsored enterprises	431		1,605	1,926,129	395,396	—	2,323,561
Collateralized mortgage obligations issued by U.S. Government agencies or sponsored enterprises	—		—	—	371,656	—	371,656
State and municipal securities	100		1,971	289	2,739	—	5,099
Equity securities	—		—	—	—	3,228	3,228
Other investments	—		—	—	17,000	2,110	19,110
Total amortized cost	$	18,407	122,537	1,940,198	963,039	5,338	3,049,519
Fair Value
U.S. Treasury securities	$	17,793	24,875	—	—	—	42,668
U.S. Government agency securities	80		13,014	14,375	—	—	27,469
Securities issued by U.S. Government sponsored enterprises	—		82,327	—	—	—	82,327
Mortgage-backed securities issued by U.S. Government agencies	5		1	—	177,389	—	177,395
Mortgage-backed securities issued by U.S. Government sponsored enterprises	456		1,707	1,912,088	402,357	—	2,316,608
Collateralized mortgage obligations issued by U.S. Government agencies or sponsored enterprises	—		—	—	373,459	—	373,459
State and municipal securities	100		2,009	305	2,887	—	5,301
Equity securities	—		—	—	—	6,357	6,357
Other investments	—		—	—	16,666	2,007	18,673
Total fair value	$	18,434	123,933	1,926,768	972,758	8,364	3,050,257

Schedule of Activity for Available-for-Sale Securities

Proceeds from sales, gross gains, and gross losses on sales of securities available for sale for the nine and three months ended September 30, 2014 and 2013 are presented below. Other-than-temporary impairment charges of $88 thousand are included in gross realized losses for the nine months ended September 30, 2014. The specific identification method is used to reclassify gains and losses out of other comprehensive income at the time of sale.

	Nine Months Ended September 30,					Three Months Ended September 30,
(in thousands)	2014			2013		2014	2013
Proceeds from sales of investment securities available for sale	$	20,815		$403,792		—	56,406
Gross realized gains	1,419			3,185		—	1,150
Gross realized losses	(88		)	(614	)	—	(26	)
Investment securities gains, net	$	1,331		2,571		—	1,124

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Other Real Estate (Details) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013	Dec. 31, 2013
Other Real Estate, Foreclosed Assets, and Repossessed Assets [Abstract]
Other real estate	$ 81,636,000		$ 81,636,000		$ 112,629,000
Loans foreclosed and transferred to other real estate			35,500,000	76,200,000
Foreclosed real estate expense, net	9,074,000	10,359,000	18,818,000	28,800,000
Write-downs to net realizable value and losses resulting from sales transactions			$ 16,734,000	$ 22,714,000

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Restructuring Charges (Schedule Of Restructuring And Related Costs) (Details) (USD $) In Thousands, unless otherwise specified	3 Months Ended				9 Months Ended
	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Restructuring Charges [Abstract]
Severance charges	$ 0			$ 701	$ 8,046	$ 7,311
Asset impairment charges	36	7,400		0	7,374	0
Professional fees and other charges	773			(14)	1,681	(16)
Total restructuring charges	$ 809		$ 8,600	$ 687	$ 17,101	$ 7,295

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Investment Securities (Summary Of Available For Sale Investment Securities) (Details) (USD $) In Thousands, unless otherwise specified	Sep. 30, 2014		Dec. 31, 2013
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	$ 3,049,519	[1]	$ 3,224,749	[1]
Gross Unrealized Gains	24,828		19,170
Gross Unrealized Losses	(24,090)		(44,561)
Fair Value	3,050,257		3,199,358
U.S. Treasury Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	42,627	[1]	17,791	[1]
Gross Unrealized Gains	41		0
Gross Unrealized Losses	0		0
Fair Value	42,668		17,791
U.S. Government Agency Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	26,435	[1]	33,480	[1]
Gross Unrealized Gains	1,034		1,161
Gross Unrealized Losses	0		0
Fair Value	27,469		34,641
Securities Issued By U.S. Government Sponsored Enterprises [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	81,549	[1]	112,305	[1]
Gross Unrealized Gains	778		1,440
Gross Unrealized Losses	0		0
Fair Value	82,327		113,745
Mortgage-Backed Securities Issued By U.S. Government Agencies [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	176,254	[1]	196,521	[1]
Gross Unrealized Gains	2,074		2,257
Gross Unrealized Losses	(933)		(3,661)
Fair Value	177,395		195,117
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	2,323,561	[1]	2,443,282	[1]
Gross Unrealized Gains	13,516		9,718
Gross Unrealized Losses	(20,469)		(31,640)
Fair Value	2,316,608		2,421,360
Collateralized Mortgage Obligations Issued By U.S. Government Sponsored Enterprises [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	371,656	[1]	406,717	[1]
Gross Unrealized Gains	4,052		698
Gross Unrealized Losses	(2,249)		(8,875)
Fair Value	373,459		398,540
State And Municipal Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	5,099	[1]	6,723	[1]
Gross Unrealized Gains	204		168
Gross Unrealized Losses	(2)		(2)
Fair Value	5,301		6,889
Equity Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	3,228	[1]	3,856	[1]
Gross Unrealized Gains	3,129		3,728
Gross Unrealized Losses	0		0
Fair Value	6,357		7,584
Other Investments [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	19,110	[1]	4,074	[1]
Gross Unrealized Gains	0		0
Gross Unrealized Losses	(437)		(383)
Fair Value	$ 18,673		$ 3,691

[1] Amortized cost is adjusted for other-than-temporary impairment charges in 2014 and 2013, which have been recognized in the consolidated statements of income in the applicable year, and were considered inconsequential.

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Other Comprehensive Income (Loss) (Changes in Accumulated Other Comprehensive Income (Loss) by Component (Net of Income Taxes)) (Details) (USD $) In Thousands, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Changes in Accumulated Other Comprehensive Income (Loss) by Component [Roll Forward]
Beginning balance	$ (13,716)	$ (33,060)	$ (41,258)	$ 4,101
Other comprehensive income (loss) before reclassifications	(11,180)	4,212	17,131	(32,179)
Amounts reclassified from accumulated other comprehensive income (loss)	69	(666)	(700)	(1,436)
Net current period other comprehensive income (loss)	(11,111)	3,546	16,431	(33,615)
Ending balance	(24,827)	(29,514)	(24,827)	(29,514)
Net Unrealized Gains (Losses) on Cash Flow Hedges [Member]
Changes in Accumulated Other Comprehensive Income (Loss) by Component [Roll Forward]
Beginning balance	(12,962)	(13,237)	(13,099)	(13,373)
Other comprehensive income (loss) before reclassifications	0	0	0	0
Amounts reclassified from accumulated other comprehensive income (loss)	69	69	206	205
Net current period other comprehensive income (loss)	69	69	206	205
Ending balance	(12,893)	(13,168)	(12,893)	(13,168)
Net Unrealized Gains (Losses) on Investment Securities Available for Sale [Member]
Changes in Accumulated Other Comprehensive Income (Loss) by Component [Roll Forward]
Beginning balance	(1,686)	(20,689)	(28,936)	17,111
Other comprehensive income (loss) before reclassifications	(11,180)	4,212	16,888	(32,698)
Amounts reclassified from accumulated other comprehensive income (loss)	0	(691)	(818)	(1,581)
Net current period other comprehensive income (loss)	(11,180)	3,521	16,070	(34,279)
Ending balance	(12,866)	(17,168)	(12,866)	(17,168)
Post-Retirement Unfunded Health Benefit [Member]
Changes in Accumulated Other Comprehensive Income (Loss) by Component [Roll Forward]
Beginning balance	932	866	777	363
Other comprehensive income (loss) before reclassifications	0	0	243	519
Amounts reclassified from accumulated other comprehensive income (loss)	0	(44)	(88)	(60)
Net current period other comprehensive income (loss)	0	(44)	155	459
Ending balance	$ 932	$ 822	$ 932	$ 822

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Share-based Compensation (Details) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation expense	$ 2,800,000	$ 2,300,000	$ 7,500,000	$ 5,800,000
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share equivalents ratio	1		1
Options outstanding	2,615,051		2,615,051
Weighted-average exercise price, options	$ 44.48		$ 44.48
Other equity compensation, shares granted			0
Restricted Stock Units (RSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share equivalents ratio	2		2
Vesting period (in years)			3 years
Other equity compensation, shares granted			407,374
Weighted-average exercise price, shares granted during period			$ 23.76
Performance Shares [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Other equity compensation, shares granted			67,157
Market Restricted Stock Units (MRSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Other equity compensation, shares granted			90,117
Non-Vested Synovus Shares And Restricted Share Units [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Other equity compensation, non-vested shares outstanding	1,084,659		1,084,659
Weighted-average exercise price, non-vested shares outstanding	$ 20.59		$ 20.59
Salary Stock Units (SSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Other equity compensation, shares granted			30,786
Total fair value of units granted			$ 728,000
2013 Omnibus Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Equivalents authorized	7,550,907		7,550,907
Shares of authorized but unissued common stock reserved for future grants	8,571,429		8,571,429
Contractual term (years)			10 years
2013 Omnibus Plan [Member] | Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period (in years)			2 years
2013 Omnibus Plan [Member] | Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period (in years)			5 years

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Derivative Instruments (Narrative) (Details) (USD $)	9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Jun. 30, 2014	Dec. 31, 2013
Derivative [Line Items]
Cash flow hedge gain (loss) to be reclassified within 12 months	$ (447,000)
Remaining unamortized deferred gain (loss) balance of all previously terminated cash flow hedges	(1,200,000)			(1,600,000)
Remaining deferred gain (loss) balance on all previously terminated fair value hedges	8,400,000			10,700,000
Deferred gain balance on terminated fair value hedges expected to be reclassified from long-term debt	3,100,000
Derivative, fair value			4,000,000	2,700,000
Gain (loss) on sale of outstanding commitments	(1,200,000)
Deferred gains (loss) on discontinuation of cash flow hedge reclassified to earnings	2,300,000	2,500,000
Fixed Rate Residential Mortgage [Member]
Derivative [Line Items]
Commitments to fund fixed-rate mortgage loans	78,000,000			65,000,000
Unrealized gain on fair value of fixed-rate mortgage loans to customers	531,000	(682,000)
Sale of outstanding commitments	105,500,000			92,000,000
Interest Rate Swap [Member] | Customer Related Interest Rate Risk [Member]
Derivative [Line Items]
Notional amount of interest rate swap contracts	1,080,000,000			107,800,000
Federal Funds Sold [Member]
Derivative [Line Items]
Federal funds sold	68,100,000
Federal Funds Sold, Counterparty with CCC [Member]
Derivative [Line Items]
Federal funds sold	$ 3,800,000

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Loans and Allowance for Loan Losses (Schedule Of Impaired Loans) (Details) (USD $)	3 Months Ended	9 Months Ended		12 Months Ended
	Sep. 30, 2014	Sep. 30, 2014	Sep. 30, 2013	Dec. 31, 2013
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	$ 89,736,000	$ 89,736,000		$ 94,001,000
Recorded Investment, With allowance recorded	447,804,000	447,804,000		742,553,000
Recorded Investment	537,540,000	537,540,000		836,554,000
Unpaid Principal Balance, With no related allowance recorded	166,101,000	166,101,000		181,809,000
Unpaid Principal Balance, With allowance recorded	455,349,000	455,349,000		782,252,000
Unpaid Principal Balance	621,450,000	621,450,000		964,061,000
Related Allowance, With no related allowance recorded	0	0		0
Related Allowance, With allowance recorded	39,165,000	39,165,000		67,997,000
Related Allowance	39,165,000	39,165,000		67,997,000
Average Recorded Investment, With no related allowance recorded	93,498,000	94,532,000		122,283,000
Average Recorded Investment, With allowance recorded	466,178,000	572,308,000		830,035,000
Average Recorded Investment	559,676,000	666,840,000		952,318,000
Interest Income Recognized, With no related allowance recorded	0	0		0
Interest Income Recognized, With allowance recorded	3,731,000	11,711,000		21,114,000
Interest Income Recognized	3,731,000	11,711,000	0	21,114,000
Home Equity Lines [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	0	0		0
Recorded Investment, With allowance recorded	3,822,000	3,822,000		2,750,000
Recorded Investment	3,822,000	3,822,000		2,750,000
Unpaid Principal Balance, With no related allowance recorded	0	0		0
Unpaid Principal Balance, With allowance recorded	3,822,000	3,822,000		2,750,000
Unpaid Principal Balance	3,822,000	3,822,000		2,750,000
Related Allowance, With no related allowance recorded	0	0		0
Related Allowance, With allowance recorded	68,000	68,000		116,000
Related Allowance	68,000	68,000		116,000
Average Recorded Investment, With no related allowance recorded	0	0		33,000
Average Recorded Investment, With allowance recorded	3,809,000	3,253,000		4,668,000
Average Recorded Investment	3,809,000	3,253,000		4,701,000
Interest Income Recognized, With no related allowance recorded	0	0		0
Interest Income Recognized, With allowance recorded	40,000	71,000		176,000
Interest Income Recognized	40,000	71,000		176,000
Consumer Mortgages [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	995,000	995,000		1,180,000
Recorded Investment, With allowance recorded	37,591,000	37,591,000		44,019,000
Recorded Investment	38,586,000	38,586,000		45,199,000
Unpaid Principal Balance, With no related allowance recorded	2,065,000	2,065,000		2,840,000
Unpaid Principal Balance, With allowance recorded	37,591,000	37,591,000		44,019,000
Unpaid Principal Balance	39,656,000	39,656,000		46,859,000
Related Allowance, With no related allowance recorded	0	0		0
Related Allowance, With allowance recorded	1,029,000	1,029,000		967,000
Related Allowance	1,029,000	1,029,000		967,000
Average Recorded Investment, With no related allowance recorded	1,869,000	1,471,000		1,487,000
Average Recorded Investment, With allowance recorded	39,217,000	40,582,000		48,674,000
Average Recorded Investment	41,086,000	42,053,000		50,161,000
Interest Income Recognized, With no related allowance recorded	0	0		0
Interest Income Recognized, With allowance recorded	457,000	999,000		1,910,000
Interest Income Recognized	457,000	999,000		1,910,000
Credit Card Receivable [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	0	0		0
Recorded Investment, With allowance recorded	0	0		0
Recorded Investment	0	0		0
Unpaid Principal Balance, With no related allowance recorded	0	0		0
Unpaid Principal Balance, With allowance recorded	0	0		0
Unpaid Principal Balance	0	0		0
Related Allowance, With no related allowance recorded	0	0		0
Related Allowance, With allowance recorded	0	0		0
Related Allowance	0	0		0
Average Recorded Investment, With no related allowance recorded	0	0		0
Average Recorded Investment, With allowance recorded	0	0		0
Average Recorded Investment	0	0		0
Interest Income Recognized, With no related allowance recorded	0	0		0
Interest Income Recognized, With allowance recorded	0	0		0
Interest Income Recognized	0	0		0
Other Retail Loans [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	0	0		0
Recorded Investment, With allowance recorded	5,261,000	5,261,000		7,013,000
Recorded Investment	5,261,000	5,261,000		7,013,000
Unpaid Principal Balance, With no related allowance recorded	0	0		0
Unpaid Principal Balance, With allowance recorded	5,261,000	5,261,000		7,013,000
Unpaid Principal Balance	5,261,000	5,261,000		7,013,000
Related Allowance, With no related allowance recorded	0	0		0
Related Allowance, With allowance recorded	98,000	98,000		109,000
Related Allowance	98,000	98,000		109,000
Average Recorded Investment, With no related allowance recorded	0	0		4,000
Average Recorded Investment, With allowance recorded	5,171,000	4,892,000		5,555,000
Average Recorded Investment	5,171,000	4,892,000		5,559,000
Interest Income Recognized, With no related allowance recorded	0	0		0
Interest Income Recognized, With allowance recorded	88,000	228,000		285,000
Interest Income Recognized	88,000	228,000		285,000
Investment Properties [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	33,849,000	33,849,000		14,218,000
Recorded Investment, With allowance recorded	117,707,000	117,707,000		186,058,000
Recorded Investment	151,556,000	151,556,000		200,276,000
Unpaid Principal Balance, With no related allowance recorded	46,096,000	46,096,000		15,820,000
Unpaid Principal Balance, With allowance recorded	119,560,000	119,560,000		193,765,000
Unpaid Principal Balance	165,656,000	165,656,000		209,585,000
Related Allowance, With no related allowance recorded	0	0		0
Related Allowance, With allowance recorded	6,621,000	6,621,000		8,863,000
Related Allowance	6,621,000	6,621,000		8,863,000
Average Recorded Investment, With no related allowance recorded	33,167,000	24,949,000		18,046,000
Average Recorded Investment, With allowance recorded	118,729,000	141,128,000		227,073,000
Average Recorded Investment	151,896,000	166,077,000		245,119,000
Interest Income Recognized, With no related allowance recorded	0	0		0
Interest Income Recognized, With allowance recorded	961,000	3,034,000		5,062,000
Interest Income Recognized	961,000	3,034,000		5,062,000
1-4 Family Properties [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	4,386,000	4,386,000		9,679,000
Recorded Investment, With allowance recorded	83,797,000	83,797,000		115,151,000
Recorded Investment	88,183,000	88,183,000		124,830,000
Unpaid Principal Balance, With no related allowance recorded	12,251,000	12,251,000		29,741,000
Unpaid Principal Balance, With allowance recorded	84,588,000	84,588,000		117,498,000
Unpaid Principal Balance	96,839,000	96,839,000		147,239,000
Related Allowance, With no related allowance recorded	0	0		0
Related Allowance, With allowance recorded	10,694,000	10,694,000		11,135,000
Related Allowance	10,694,000	10,694,000		11,135,000
Average Recorded Investment, With no related allowance recorded	4,151,000	5,984,000		23,879,000
Average Recorded Investment, With allowance recorded	87,829,000	99,038,000		115,629,000
Average Recorded Investment	91,980,000	105,022,000		139,508,000
Interest Income Recognized, With no related allowance recorded	0	0		0
Interest Income Recognized, With allowance recorded	613,000	2,209,000		3,464,000
Interest Income Recognized	613,000	2,209,000		3,464,000
Land Acquisition [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	29,501,000	29,501,000		30,595,000
Recorded Investment, With allowance recorded	47,771,000	47,771,000		183,029,000
Recorded Investment	77,272,000	77,272,000		213,624,000
Unpaid Principal Balance, With no related allowance recorded	76,068,000	76,068,000		78,470,000
Unpaid Principal Balance, With allowance recorded	47,914,000	47,914,000		202,048,000
Unpaid Principal Balance	123,982,000	123,982,000		280,518,000
Related Allowance, With no related allowance recorded	0	0		0
Related Allowance, With allowance recorded	4,792,000	4,792,000		26,789,000
Related Allowance	4,792,000	4,792,000		26,789,000
Average Recorded Investment, With no related allowance recorded	29,584,000	31,187,000		41,007,000
Average Recorded Investment, With allowance recorded	48,499,000	102,880,000		191,807,000
Average Recorded Investment	78,083,000	134,067,000		232,814,000
Interest Income Recognized, With no related allowance recorded	0	0		0
Interest Income Recognized, With allowance recorded	418,000	1,264,000		2,931,000
Interest Income Recognized	418,000	1,264,000		2,931,000
Commercial Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	67,736,000	67,736,000		54,492,000
Recorded Investment, With allowance recorded	249,275,000	249,275,000		484,238,000
Recorded Investment	317,011,000	317,011,000		538,730,000
Unpaid Principal Balance, With no related allowance recorded	134,415,000	134,415,000		124,031,000
Unpaid Principal Balance, With allowance recorded	252,062,000	252,062,000		513,311,000
Unpaid Principal Balance	386,477,000	386,477,000		637,342,000
Related Allowance, With no related allowance recorded	0	0		0
Related Allowance, With allowance recorded	22,107,000	22,107,000		46,787,000
Related Allowance	22,107,000	22,107,000		46,787,000
Average Recorded Investment, With no related allowance recorded	66,902,000	62,120,000		82,932,000
Average Recorded Investment, With allowance recorded	255,057,000	343,046,000		534,509,000
Average Recorded Investment	321,959,000	405,166,000		617,441,000
Interest Income Recognized, With no related allowance recorded	0	0		0
Interest Income Recognized, With allowance recorded	1,992,000	6,507,000		11,457,000
Interest Income Recognized	1,992,000	6,507,000		11,457,000
Commercial, Financial and Agricultural [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	5,705,000	5,705,000		13,490,000
Recorded Investment, With allowance recorded	81,036,000	81,036,000		115,532,000
Recorded Investment	86,741,000	86,741,000		129,022,000
Unpaid Principal Balance, With no related allowance recorded	12,109,000	12,109,000		22,312,000
Unpaid Principal Balance, With allowance recorded	85,771,000	85,771,000		120,290,000
Unpaid Principal Balance	97,880,000	97,880,000		142,602,000
Related Allowance, With no related allowance recorded	0	0		0
Related Allowance, With allowance recorded	12,532,000	12,532,000		15,559,000
Related Allowance	12,532,000	12,532,000		15,559,000
Average Recorded Investment, With no related allowance recorded	6,785,000	9,917,000		15,355,000
Average Recorded Investment, With allowance recorded	82,271,000	97,143,000		128,680,000
Average Recorded Investment	89,056,000	107,060,000		144,035,000
Interest Income Recognized, With no related allowance recorded	0	0		0
Interest Income Recognized, With allowance recorded	553,000	1,877,000		3,630,000
Interest Income Recognized	553,000	1,877,000		3,630,000
Owner-Occupied [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	15,300,000	15,300,000		24,839,000
Recorded Investment, With allowance recorded	70,819,000	70,819,000		89,001,000
Recorded Investment	86,119,000	86,119,000		113,840,000
Unpaid Principal Balance, With no related allowance recorded	17,512,000	17,512,000		32,626,000
Unpaid Principal Balance, With allowance recorded	70,842,000	70,842,000		94,869,000
Unpaid Principal Balance	88,354,000	88,354,000		127,495,000
Related Allowance, With no related allowance recorded	0	0		0
Related Allowance, With allowance recorded	3,331,000	3,331,000		4,459,000
Related Allowance	3,331,000	3,331,000		4,459,000
Average Recorded Investment, With no related allowance recorded	17,942,000	21,024,000		22,472,000
Average Recorded Investment, With allowance recorded	80,653,000	83,392,000		107,949,000
Average Recorded Investment	98,595,000	104,416,000		130,421,000
Interest Income Recognized, With no related allowance recorded	0	0		0
Interest Income Recognized, With allowance recorded	601,000	2,029,000		3,656,000
Interest Income Recognized	601,000	2,029,000		3,656,000
Commercial and Industrial [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	21,005,000	21,005,000		38,329,000
Recorded Investment, With allowance recorded	151,855,000	151,855,000		204,533,000
Recorded Investment	172,860,000	172,860,000		242,862,000
Unpaid Principal Balance, With no related allowance recorded	29,621,000	29,621,000		54,938,000
Unpaid Principal Balance, With allowance recorded	156,613,000	156,613,000		215,159,000
Unpaid Principal Balance	186,234,000	186,234,000		270,097,000
Related Allowance, With no related allowance recorded	0	0		0
Related Allowance, With allowance recorded	15,863,000	15,863,000		20,018,000
Related Allowance	15,863,000	15,863,000		20,018,000
Average Recorded Investment, With no related allowance recorded	24,727,000	30,941,000		37,827,000
Average Recorded Investment, With allowance recorded	162,924,000	180,535,000		236,629,000
Average Recorded Investment	187,651,000	211,476,000		274,456,000
Interest Income Recognized, With no related allowance recorded	0	0		0
Interest Income Recognized, With allowance recorded	1,154,000	3,906,000		7,286,000
Interest Income Recognized	1,154,000	3,906,000		7,286,000
Retail [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	995,000	995,000		1,180,000
Recorded Investment, With allowance recorded	46,674,000	46,674,000		53,782,000
Recorded Investment	47,669,000	47,669,000		54,962,000
Unpaid Principal Balance, With no related allowance recorded	2,065,000	2,065,000		2,840,000
Unpaid Principal Balance, With allowance recorded	46,674,000	46,674,000		53,782,000
Unpaid Principal Balance	48,739,000	48,739,000		56,622,000
Related Allowance, With no related allowance recorded	0	0		0
Related Allowance, With allowance recorded	1,195,000	1,195,000		1,192,000
Related Allowance	1,195,000	1,195,000		1,192,000
Average Recorded Investment, With no related allowance recorded	1,869,000	1,471,000		1,524,000
Average Recorded Investment, With allowance recorded	48,197,000	48,727,000		58,897,000
Average Recorded Investment	50,066,000	50,198,000		60,421,000
Interest Income Recognized, With no related allowance recorded	0	0		0
Interest Income Recognized, With allowance recorded	585,000	1,298,000		2,371,000
Interest Income Recognized	$ 585,000	$ 1,298,000		$ 2,371,000

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Significant Accounting Policies

9 Months Ended

Sep. 30, 2014

Significant Accounting Policies [Abstract]

Significant Accounting Policies

Note 1 - Significant Accounting Policies

Business Operations

The accompanying unaudited interim consolidated financial statements of Synovus include the accounts of the Parent Company and its consolidated subsidiaries. Synovus provides integrated financial services, including commercial and retail banking, financial management, insurance, and mortgage services to its customers through locally-branded divisions of its wholly-owned subsidiary bank, Synovus Bank, in offices located throughout Georgia, Alabama, South Carolina, Florida, and Tennessee.

In addition to our banking operations, we also provide various other financial services to our customers through direct and indirect wholly-owned non-bank subsidiaries, including: Synovus Securities, Inc., headquartered in Columbus, Georgia, which specializes in professional portfolio management for fixed-income securities, investment banking, the execution of securities transactions as a broker/dealer and the provision of individual investment advice on equity and other securities; Synovus Trust Company, N.A., headquartered in Columbus, Georgia, which provides trust, asset management and financial planning services; and Synovus Mortgage Corp., headquartered in Birmingham, Alabama, which offers mortgage services.

Basis of Presentation

The accompanying unaudited interim consolidated financial statements have been prepared in accordance with the instructions to the SEC Form 10-Q and Article 10 of Regulation S-X; therefore, they do not include all information and footnotes necessary for a fair presentation of financial position, results of operations, comprehensive income, and cash flows in conformity with GAAP. All adjustments consisting of normally recurring accruals that, in the opinion of management, are necessary for a fair presentation of the consolidated financial position and results of operations for the periods covered by this Report have been included. The accompanying unaudited interim consolidated financial statements should be read in conjunction with the consolidated financial statements and related notes appearing in Synovus' 2013 Form 10-K. There have been no significant changes to the accounting policies as disclosed in Synovus' 2013 Form 10-K.

In preparing the unaudited interim consolidated financial statements in accordance with GAAP, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities as of the date of the respective consolidated balance sheets and the reported amounts of revenues and expenses for the periods presented. Actual results could differ significantly from those estimates.

Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses; the valuation of other real estate; the fair value of investment securities; the fair value of private equity investments; the valuation of deferred tax assets; and contingent liabilities related to legal matters.

Cash and Cash Equivalents

Cash and cash equivalents consist of cash and due from banks. At September 30, 2014 and December 31, 2013, cash and cash equivalents included $91.3 millionand $104.9 million, respectively, on deposit to meet Federal Reserve Bank requirements. At September 30, 2014 and December 31, 2013, $125 thousand and $375 thousand, respectively, of the due from banks balance was restricted as to withdrawal.

Short-term Investments

Short-term investments consist of interest bearing funds with the Federal Reserve Bank, interest earning deposits with banks, and Federal funds sold and securities purchased under resale agreements. Interest earning deposits with banks include $7.1 million and $11.1 million at September 30, 2014 and December 31, 2013, respectively, which is pledged as collateral in connection with certain letters of credit. Federal funds sold include $68.1 million at September 30, 2014 and $72.2 million at December 31, 2013, which are pledged to collateralize certain derivative instruments. Federal funds sold and securities purchased under resale agreements, and Federal funds purchased and securities sold under repurchase agreements, generally mature in one day.

Recently Adopted Accounting Standards Updates

Effective January 1, 2014, Synovus adopted the provisions of ASU 2013-11, Income Taxes (Topic 740): Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists.This ASU provides guidance on financial statement presentation of an unrecognized tax benefit when a net operating loss carryforward, a similar tax loss, or a tax credit carryforward exists. Income tax accounting guidance did not explicitly address how to present unrecognized tax benefits when a company also has net operating losses or tax credit carryforwards. Previously, most companies presented these unrecognized benefits as a liability (i.e., gross presentation), but some presented the liability as a reduction of their net operating losses or tax credit carryforwards (i.e., net presentation). To address this diversity in practice, the FASB issued ASU 2013-11, requiring unrecognized tax benefits to be offset against a deferred tax asset for a net operating loss carryforward, similar tax loss, or tax credit carryforward except when either (1) a net operating loss carryforward, a similar tax loss, or a tax credit carryforward is not available as of the reporting date under the governing tax law to settle taxes that would result from the disallowance of the tax position, or (2) the entity does not intend to use the deferred tax asset for this purpose (provided that the tax law permits a choice). If either of these conditions exists, an entity should present an unrecognized tax benefit in the financial statements as a liability and should not net the unrecognized tax benefit with a deferred tax asset. Synovus adopted the provisions of ASU 2013-11 effective January 1, 2014. However, because prior to adoption Synovus already presented its unrecognized tax benefits as a reduction of its net operating losses, adoption of ASU 2013-11 did not have a significant impact on its consolidated balance sheet.

Reclassifications

Prior periods' consolidated financial statements are reclassified whenever necessary to conform to the current periods' presentation.

Subsequent Events

Synovus has evaluated for consideration, or disclosure, all transactions, events, and circumstances, subsequent to the date of the consolidated balance sheet and through the date the accompanying unaudited interim consolidated financial statements were issued, and has reflected, or disclosed, those items deemed appropriate within the unaudited interim consolidated financial statements.

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Derivative Instruments (Impact Of Derivatives On Balance Sheet) (Details) (Not Designated As Hedging Instruments [Member], USD $) In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
Other Assets [Member]
Derivative [Line Items]
Fair value of derivative assets	$ 31,322	$ 40,004
Other Assets [Member] | Interest Rate Contracts [Member]
Derivative [Line Items]
Fair value of derivative assets	30,184	38,482
Other Assets [Member] | Mortgage Derivatives [Member]
Derivative [Line Items]
Fair value of derivative assets	1,138	1,522
Other Assets [Member] | Visa Derivative[Member]
Derivative [Line Items]
Fair value of derivative assets	0	0
Other Liabilities [Member]
Derivative [Line Items]
Fair value of derivative liabilities	35,030	42,142
Other Liabilities [Member] | Interest Rate Contracts [Member]
Derivative [Line Items]
Fair value of derivative liabilities	30,689	39,436
Other Liabilities [Member] | Mortgage Derivatives [Member]
Derivative [Line Items]
Fair value of derivative liabilities	320	0
Other Liabilities [Member] | Visa Derivative[Member]
Derivative [Line Items]
Fair value of derivative liabilities	$ 4,021	$ 2,706

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Loans and Allowance for Loan Losses (Narrative) (Details) (USD $)	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013	Dec. 31, 2013	Jun. 30, 2014	Jun. 30, 2013	Dec. 31, 2012
Accounts, Notes, Loans and Financing Receivable [Line Items]
Increase in allocated allowance			$ 23,000,000
Average recorded investment in impaired loans	537,540,000	881,953,000	537,540,000	881,953,000
Interest income recognized	3,731,000		11,711,000	0	21,114,000
Average recorded investment in impaired loans	559,676,000		666,840,000		952,318,000
Interest income recognized for accruing TDRs	3,700,000	5,200,000	11,700,000	16,100,000
Accruing troubled debt restructuring	408,700,000		408,700,000		574,200,000
Allowance for loan losses	269,376,000	318,612,000	269,376,000	318,612,000	307,560,000	277,783,000	334,880,000	373,405,000
Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail loan substandard period (in days)			90 days
Loss and Charged Off [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail loans downgraded to loss (in days)			120 days
Accruing TDRs With Modifications And Renewals Completed [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accruing troubled debt restructuring	408,700,000		408,700,000		556,400,000
Allowance for loan losses	22,700,000		22,700,000		27,700,000
Minimum [Member] | Accruing TDRs With Modifications And Renewals Completed [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commercial-type impaired loans			$ 1,000,000

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Fair Value Accounting (Tables)

9 Months Ended

Sep. 30, 2014

Fair Value Disclosures [Abstract]

Financial Instruments Measured at Fair Value on Recurring Basis

The following table presents all financial instruments measured at fair value on a recurring basis as of September 30, 2014 and December 31, 2013, according to the valuation hierarchy included in ASC 820-10. For equity and debt securities, class was determined based on the nature and risks of the investments.

	September 30, 2014
(in thousands)	Level 1		Level 2	Level 3	Total Assets and Liabilities at Fair Value
Assets
Trading securities:
Mortgage-backed securities issued by U.S. Government agencies	$	—	3,502	—	3,502
Collateralized mortgage obligations issued by   U.S. Government sponsored enterprises	—		3,677	—	3,677
State and municipal securities	—		—	—	—
All other mortgage-backed   securities	—		4,174	—	4,174
Other investments	97		1,255	—	1,352
Total trading securities	$	97	12,608	—	12,705
Mortgage loans held for sale	—		72,333	—	72,333
Investment securities available for sale:
U.S. Treasury securities	42,668		—	—	42,668
U.S. Government agency securities	—		27,469	—	27,469
Securities issued by U.S. Government sponsored enterprises	—		82,327	—	82,327
Mortgage-backed securities issued by U.S. Government agencies	—		177,395	—	177,395
Mortgage-backed securities issued by U.S. Government sponsored enterprises	—		2,316,608	—	2,316,608
Collateralized mortgage obligations issued by U.S. Government agencies or sponsored enterprises	—		373,459	—	373,459
State and municipal securities	—		5,301	—	5,301
Equity securities	6,357		—	—	6,357
Other investments(1)	2,006		14,882	1,785	18,673
Total investment securities available for sale	$	51,031	2,997,441	1,785	3,050,257
Private equity investments	—		1,094	27,232	28,326
Mutual funds held in Rabbi Trusts	10,817		—	—	10,817
Derivative assets:
Interest rate contracts	—		30,184	—	30,184
Mortgage derivatives(2)	—		1,138	—	1,138
Total derivative assets	$	—	31,322	—	31,322
Liabilities
Trading account liabilities	—		6,264	—	6,264
Salary stock units	728		—	—	728
Derivative liabilities:
Interest rate contracts	—		30,689	—	30,689
Mortgage derivatives(2)	—		320	—	320
Visa derivative	—		—	4,021	4,021
Total derivative liabilities	$	—	31,009	4,021	35,030

	December 31, 2013
(in thousands)	Level 1		Level 2	Level 3	Total Assets and Liabilities at Fair Value
Assets
Trading securities:
Collateralized mortgage obligations issued by U.S. Government sponsored enterprises	—		2,465	—	2,465
State and municipal securities	—		429	—	429
All other mortgage-backed securities	—		968	—	968
Other investments	—		2,251	—	2,251
Total trading securities	$	—	6,113	—	6,113
Mortgage loans held for sale	—		45,384	—	45,384
Investment securities available for sale:
U.S. Treasury securities	17,791		—	—	17,791
U.S. Government agency securities	—		34,641	—	34,641
Securities issued by U.S. Government sponsored enterprises	—		113,745	—	113,745
Mortgage-backed securities issued by U.S. Government agencies	—		195,117	—	195,117
Mortgage-backed securities issued by U.S. Government sponsored enterprises	—		2,421,360	—	2,421,360
Collateralized mortgage obligations issued by U.S. Government agencies or sponsored enterprises	—		398,540	—	398,540
State and municipal securities	—		6,889	—	6,889
Equity securities	6,956		—	628	7,584
Other investments(1)	1,969		—	1,722	3,691
Total investment securities available for sale	$	26,716	3,170,292	2,350	3,199,358
Private equity investments	—		1,615	27,745	29,360
Mutual funds held in Rabbi Trusts	11,246		—	—	11,246
Derivative assets:
Interest rate contracts	—		38,482	—	38,482
Mortgage derivatives(2)	—		1,522	—	1,522
Total derivative assets	$	—	40,004	—	40,004
Liabilities
Trading account liabilities	—		1,763	—	1,763
Salary stock units	1,764		—	—	1,764
Derivative liabilities:
Interest rate contracts	—		39,436	—	39,436
Visa derivative	—		—	2,706	2,706
Total derivative liabilities	$	—	39,436	2,706	42,142

⁽¹⁾ Based on an analysis of the nature and risks of these investments, Synovus has determined that presenting these investments as a single asset class is appropriate.

⁽²⁾ Mortgage derivatives consist of customer interest rate lock commitments that relate to the potential origination of mortgage loans, which would be classified as held for sale and forward loan sales commitments with third party investors.

Changes in Fair Value Included in Consolidated Statements of Income

The following table summarizes the difference between the fair value and the unpaid principal balance of mortgage loans held for sale measured at fair value and the changes in fair value of these loans. Mortgage loans held for sale are initially measured at fair value with subsequent changes in fair value recognized in earnings. Changes in fair value were recorded as a component of mortgage banking income in the consolidated statements of income. An immaterial portion of these changes in fair value was attributable to changes in instrument-specific credit risk.

Changes in Fair Value Included in Net Income
	For the Nine Months Ended September 30,			For the Three Months Ended September 30,
(in thousands)	2014	2013		2014		2013
Mortgage loans held for sale	$969	(3,838	)	(813	)	4,092

Mortgage Loans Held for Sale
(in thousands)	As of September 30, 2014		As of December 31, 2013
Fair value	$	72,333	45,384
Unpaid principal balance	70,924		44,943
Fair value less aggregate unpaid principal balance	$	1,409	441

Changes in Level 3 Fair Value Measurements

	Nine Months Ended September 30,
	2014							2013
(in thousands)	Investment Securities Available for Sale			Private Equity Investments		Other Derivative Contracts, Net		Investment Securities Available for Sale	Private Equity Investments		Other Derivative Contracts, Net
Beginning balance, January 1,	$	2,350		27,745		(2,706	)	$3,178	30,708		(2,956	)
Total gains (losses) realized/unrealized:
Included in earnings*	(88		)	(513	)	(2,731	)	—	(856	)	(801	)
Unrealized gains (losses) included in other comprehensive income	63			—		—		401	—		—
Purchases	—					—		—	—		—
Sales	—			—		—		—	—		—
Issuances	—			—		—		—	—		—
Settlements	(540		)	—		1,416		—	—		1,252
Amortization of discount/premium	—			—		—		—	—		—
Transfers in and/or out of Level 3	—			—		—		—	—		—
Ending balance, September 30,	$	1,785		27,232		(4,021	)	3,579	29,852		(2,505	)
Total net gains (losses) for the nine months included in earnings attributable to the change in unrealized gains (losses) relating to assets and liabilities still held at September 30,	$	(88	)	(513	)	(2,731	)	—	(856	)	(801	)

^* Included in earnings as a component of non-interest income (expense).

	Three Months Ended September 30,
	2014							2013
(in thousands)	Investment Securities Available for Sale			Private Equity Investments		Other Derivative Contracts, Net		Investment Securities Available for Sale	Private Equity Investments	Other Derivative Contracts, Net
Beginning balance, July 1,	$	1,866		27,376		(2,438	)	3,454	29,568	(2,977	)
Total gains (losses) realized/unrealized:
Included in earnings*	—			(144	)	(1,979	)	—	284	—
Unrealized gains (losses) included in other comprehensive income	(81		)	—		—		125	—	—
Purchases	—			—		—		—	—	—
Sales	—			—		—		—	—	—
Issuances	—			—		—		—	—	—
Settlements	—			—		396		—	—	472
Amortization of discount/premium	—			—		—		—	—	—
Transfers in and/or out of Level 3	—			—		—		—	—	—
Ending balance, September 30,	$	1,785		27,232		(4,021	)	3,579	29,852	(2,505	)
Total net gains (losses) for the three months included in earnings attributable to the change in unrealized gains (losses) relating to assets and liabilities still held at September 30,	$	—		(144	)	(1,979	)	—	284	—

^* Included in earnings as a component of non-interest income (expense).

Assets and Liabilities Measured at Fair Value on Non-Recurring Basis

	September 30, 2014					December 31, 2013
(in thousands)	Level 1		Level 2	Level 3	Total	Level 1	Level 2	Level 3	Total
Impaired loans*	$	—	—	37,790	37,790	—	—	170,693	170,693
Other loans held for sale	—		—	338	338	—	—	9,670	9,670
Other real estate	—		—	25,928	25,928	—	—	50,070	50,070
Other assets held for sale	$	—	—	7,744	7,744	—	—	4,945	4,945

Assets Measured at Fair Value on a Nonrecurring Basis

The following table presents fair value adjustments recognized for the nine and three months ended September 30, 2014 and 2013 for the assets measured at fair value on a non-recurring basis.

	Nine Months Ended September 30,			Three Months Ended September 30,
(in thousands)	2014		2013	2014		2013
Impaired loans*	$	20,661	27,624	$	9,380	4,630
Other loans held for sale	285		2,844	285		2,833
Other real estate	7,343		5,919	4,114		1,406
Other assets held for sale	$	7,608	246	$	100	76

^* Impaired loans that are collateral-dependent.

Fair Value Inputs, Assets, Quantitative Information

September 30, 2014
(dollars in thousands)	Level 3 Fair Value	Valuation Technique	Significant Unobservable Input	Range (Weighted Average)(1)
Assets measured at fair value on a recurring basis
Investment Securities Available for Sale:
Other Investments:
Trust preferred securities	1,785	Discounted cash flow analysis	Credit spread embedded in discount rate	450-550 bps (500 bps)
Private equity investments	27,232	Individual analysis of each investee company	Multiple factors, including but not limited to, current operations, financial condition, cash flows, evaluation of business management and financial plans, and recently executed financing transactions related to the investee companies	N/A
Visa derivative liability	4,021	Internal valuation	Multiple factors, including but not limited to, management's estimate of the timing and amount of the Covered Litigation settlement, and the resulting payments due to the counterparty under the terms of the contract.	N/A

September 30, 2014
(dollars in thousands)	Level 3 Fair Value		Valuation Technique	Significant Unobservable Input	Range (Weighted Average)(1)
Assets measured at fair value on a non-recurring basis
Collateral dependent impaired loans	$	37,790	Third party appraised value of collateral less estimated selling costs	Discount to appraised value (2) Estimated selling costs	0% - 100% (48%) 0% - 10% (7%)
Other loans held for sale	338		Third party appraised value of collateral less estimated selling costs	Discount to appraised value (2) Estimated selling costs	0% - 23% (23%) 0% - 10% (7%)
Other real estate	25,928		Third party appraised value of collateral less estimated selling costs	Discount to appraised value (2) Estimated selling costs	0% - 38% (16%) 0% - 10% (7%)
Other assets held for sale	7,744		Third party appraised value of collateral less estimated selling costs or BOV	Discount to appraised value (2) Estimated selling costs	0%-100% (69%) 0%-10% (10%)

⁽¹⁾ The range represents management's best estimate of the high and low of the value that would be assigned to a particular input. For assets measured at fair value on a non-recurring basis, the weighted average is the measure of central tendencies; it is not the value that management is using for the asset or liability.

⁽²⁾ Synovus also makes adjustments to the values of the assets listed above for various reasons, including age of the appraisal, information known by management about the property, such as occupancy rates, changes to the physical conditions of the property, and other factors.

December 31, 2013
(dollars in thousands)	Level 3 Fair Value		Valuation Technique	Significant Unobservable Input	Range (Weighted Average)(1)
Assets measured at fair value on a recurring basis
Investment Securities Available for Sale:
Equity securities	$	628	Individual analysis of each investment	Multiple data points, including, but not limited to evaluation of past and projected business performance	N/A(3)
Other Investments:
Trust preferred securities	1,722		Discounted cash flow analysis	Credit spread embedded in discount rate	400-480 bps (441 bps)
Private equity investments	27,745		Individual analysis of each investee company	Multiple factors, including but not limited to, current operations, financial condition, cash flows, evaluation of business management and financial plans, and recently executed company transactions related to the investee companies	N/A
Visa derivative liability	2,706		Internal valuation	Multiple factors, including but not limited to, management's estimate of the timing and amount of the Covered Litigation settlement, and the resulting payments due to the counterparty under the terms of the contract.	N/A

December 31, 2013
(dollars in thousands)	Level 3 Fair Value		Valuation Technique	Significant Unobservable Input	Range (Weighted Average)(1)
Assets measured at fair value on a non-recurring basis
Collateral dependent impaired loans	$	170,693	Third party appraised value of collateral less estimated selling costs	Discount to appraised value (2) Estimated selling costs	0%-65% (25%) 0%-10% (7%)
Other loans held for sale	9,670		Third party appraised value of collateral less estimated selling costs	Discount to appraised value (2) Estimated selling costs	0%-12% (4%) 0%-10% (7%)
Other real estate	50,070		Third party appraised value of collateral less estimated selling costs	Discount to appraised value (2) Estimated selling costs	0%-7% (2%) 0%-10% (7%)
Other assets held for sale	4,945		Third party appraised value of collateral less estimated selling costs or BOV	Discount to appraised value (2) Estimated selling costs	5%-36% (20%) 0%-10% (7%)

⁽¹⁾ The range represents management's best estimate of the high and low of the value that would be assigned to a particular input. For assets measured at fair value on a non-recurring basis, the weighted average is the measure of central tendencies; it is not the value that management is using for the asset or liability.

⁽²⁾ Synovus also makes adjustments to the values of the assets listed above for various reasons, including age of the appraisal, information known by management about the property, such as occupancy rates, changes to the physical conditions of the property, and other factors.

⁽³⁾ The range has not been disclosed due to the wide range of possible values given the methodology used.

Carrying and Estimated Fair Values of Financial Instruments Carried on Balance Sheet

The carrying and estimated fair values of financial instruments, as well as the level within the fair value hierarchy, as of September 30, 2014 and December 31, 2013 are as follows:

	September 30, 2014
(in thousands)	Carrying Value		Estimated Fair Value	Level 1	Level 2	Level 3
Financial assets
Cash and cash equivalents	$	386,402	386,402	386,402	—	—
Interest bearing funds with Federal Reserve Bank	750,446		750,446	750,446	—	—
Interest earning deposits with banks	13,612		13,612	13,612	—	—
Federal funds sold and securities purchased under resale agreements	70,918		70,918	70,918	—	—
Trading account assets	12,705		12,705	97	12,608	—
Mortgage loans held for sale	72,333		72,333	—	72,333	—
Other loans held for sale	338		338	—	—	338
Investment securities available for sale	3,050,257		3,050,257	51,031	2,997,441	1,785
Private equity investments	28,326		28,326	—	1,094	27,232
Mutual funds held in Rabbi Trusts	10,817		10,817	10,817	—	—
Loans, net of deferred fees and costs	20,588,566		20,334,382	—	—	20,334,382
Derivative assets	31,322		31,322	—	31,322	—
Financial liabilities
Trading account liabilities	6,264		6,264	—	6,264	—
Non-interest bearing deposits	5,813,809		5,813,809	—	5,813,809	—
Interest bearing deposits	15,175,972		15,177,126	—	15,177,126	—
Federal funds purchased and securities sold under repurchase agreements	107,160		107,160	107,160	—	—
Salary stock units	728		728	728	—	—
Long-term debt	2,130,934		2,185,455	—	2,185,455	—
Derivative liabilities	$	35,030	35,030	—	31,009	4,021

	December 31, 2013
(in thousands)	Carrying Value		Estimated Fair Value	Level 1	Level 2	Level 3
Financial assets
Cash and cash equivalents	$	469,630	469,630	469,630	—	—
Interest bearing funds with Federal Reserve Bank	644,528		644,528	644,528	—	—
Interest earning deposits with banks	24,325		24,325	24,325	—	—
Federal funds sold and securities purchased under resale agreements	80,975		80,975	80,975	—	—
Trading account assets	6,113		6,113	—	6,113	—
Mortgage loans held for sale	45,384		45,384	—	45,384	—
Other loans held for sale	10,685		10,685	—	—	10,685
Investment securities available for sale	3,199,358		3,199,358	26,716	3,170,292	2,350
Private equity investments	29,360		29,360	—	1,615	27,745
Mutual funds held in Rabbi Trusts	11,246		11,246	11,246	—	—
Loans, net of deferred fees and costs	20,057,798		19,763,708	—	—	19,763,708
Derivative assets	40,004		40,004	—	40,004	—
Financial liabilities
Trading account liabilities	1,763		1,763	—	1,763	—
Non-interest bearing deposits	5,642,751		5,642,751	—	5,642,751	—
Interest bearing deposits	15,234,039		15,244,020	—	15,244,020	—
Federal funds purchased and securities sold under repurchase agreements	148,132		148,132	148,132	—	—
Salary stock units	1,764		1,764	1,764	—	—
Long-term debt	2,033,141		2,095,720	—	2,095,720	—
Derivative liabilities	$	42,142	42,142	—	39,436	2,706

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Other Comprehensive Income (Loss) (Tables)

9 Months Ended

Sep. 30, 2014

Equity [Abstract]

Schedule of Changes in Accumulated Other Comprehensive Income (Loss) by Component (Net of Income Taxes)

The following table illustrates activity within the balances in accumulated other comprehensive income (loss) by component, and is shown for the nine and three months ended September 30, 2014 and 2013.

Changes in Accumulated Other Comprehensive Income (Loss) by Component (Net of Income Taxes)
(in thousands)	Net unrealized gains (losses) on cash flow hedges			Net unrealized gains (losses) on investment securities available for sale		Post-retirement unfunded health benefit		Total
Balance as of December 31, 2013	$	(13,099	)	(28,936	)	777		(41,258	)
Other comprehensive income before reclassifications	—			16,888		243		17,131
Amounts reclassified from accumulated other comprehensive income (loss)	206			(818	)	(88	)	(700	)
Net current period other comprehensive income (loss)	206			16,070		155		16,431
Balance as of September 30, 2014	$	(12,893	)	(12,866	)	932		(24,827	)
Balance as of July 1, 2014	$	(12,962	)	(1,686	)	932		(13,716	)
Other comprehensive income before reclassifications	—			(11,180	)	—		(11,180	)
Amounts reclassified from accumulated other comprehensive income (loss)	69			—		—		69
Net current period other comprehensive income (loss)	69			(11,180	)	—		(11,111	)
Balance as of September 30, 2014	$	(12,893	)	(12,866	)	932		(24,827	)

Changes in Accumulated Other Comprehensive Income (Loss) by Component (Net of Income Taxes)
(in thousands)	Net unrealized gains (losses) on cash flow hedges			Net unrealized gains (losses) on investment securities available for sale		Post-retirement unfunded health benefit		Total
Balance as of December 31, 2012	$	(13,373	)	17,111		363		4,101
Other comprehensive income (loss) before reclassifications	—			(32,698	)	519		(32,179	)
Amounts reclassified from accumulated other comprehensive income (loss)	205			(1,581	)	(60	)	(1,436	)
Net current period other comprehensive income (loss)	205			(34,279	)	459		(33,615	)
Balance as of September 30, 2013	$	(13,168	)	(17,168	)	822		(29,514	)
Balance as of July 1, 2013	$	(13,237	)	(20,689	)	866		(33,060	)
Other comprehensive income (loss) before reclassifications	—			4,212		—		4,212
Amounts reclassified from accumulated other comprehensive income (loss)	69			(691	)	(44	)	(666	)
Net current period other comprehensive income (loss)	69			3,521		(44	)	3,546
Balance as of September 30, 2013	$	(13,168	)	(17,168	)	822		(29,514	)

Schedule of Reclassifications out of Accumulated Other Comprehensive Income (Loss)

The following table illustrates activity within the reclassifications out of accumulated other comprehensive income (loss), for the nine and three months ended September 30, 2014 and 2013.

Reclassifications out of Accumulated Other Comprehensive Income (Loss)
For the Nine Months Ended September 30, 2014
Details about accumulated other comprehensive income (loss) components	Amount reclassified from accumulated other comprehensive income (loss)			Affected line item in the statement where net income is presented
Net unrealized gains (losses) on cash flow hedges:
Amortization of deferred losses	$	(336	)	Interest expense
	130			Income tax (expense) benefit
	$	(206	)	Reclassifications, net of income taxes
Net unrealized gains (losses) on investment securities available for sale:
Realized gain on sale of securities	$	1,331		Investment securities gains, net
	(513		)	Income tax (expense) benefit
	$	818		Reclassifications, net of income taxes
Post-retirement unfunded health benefit:
Amortization of actuarial gains	$	144		Salaries and other personnel expense
	(56		)	Income tax (expense) benefit
	$	88		Reclassifications, net of income taxes
Reclassifications out of Accumulated Other Comprehensive Income (Loss)
For the Three Months Ended September 30, 2014
Details about accumulated other comprehensive income (loss) components	Amount reclassified from accumulated other comprehensive income (loss)			Affected line item in the statement where net income is presented
Net unrealized gains (losses) on cash flow hedges:
Amortization of deferred losses	$	(112	)	Interest expense
	43			Income tax (expense) benefit
	$	(69	)	Reclassifications, net of income taxes

Reclassifications out of Accumulated Other Comprehensive Income (Loss)
For the Nine Months Ended September 30, 2013
Details about accumulated other comprehensive income (loss) components	Amount reclassified from accumulated other comprehensive income (loss)			Affected line item in the statement where net income is presented
Net unrealized gains (losses) on cash flow hedges:
Amortization of deferred losses	$	(336	)	Interest expense
	131			Income tax (expense) benefit
	$	(205	)	Reclassifications, net of income taxes
Net unrealized gains (losses) on investment securities available for sale:
Realized gain on sale of securities	$	2,571		Investment securities gains, net
	(990		)	Income tax (expense) benefit
	$	1,581		Reclassifications, net of income taxes
Post-retirement unfunded health benefit:
Amortization of actuarial gains	$	98		Salaries and other personnel expense
	(38		)	Income tax (expense) benefit
	$	60		Reclassifications, net of income taxes
Reclassifications out of Accumulated Other Comprehensive Income (Loss)
For the Three Months Ended September 30, 2013
Details about accumulated other comprehensive income (loss) components	Amount reclassified from accumulated other comprehensive income (loss)			Affected line item in the statement where net income is presented
Net unrealized gains (losses) on cash flow hedges:
Amortization of deferred losses	$	(112	)	Interest expense
	43			Income tax (expense) benefit
	$	(69	)	Reclassifications, net of income taxes
Net unrealized gains (losses) on investment securities available for sale:
Realized gain on sale of securities	$	1,124		Investment securities gains, net
	(433		)	Income tax (expense) benefit
	$	691		Reclassifications, net of income taxes
Post-retirement unfunded health benefit:
Amortization of actuarial gains	$	72		Salaries and other personnel expense
	(28		)	Income tax (expense) benefit
	$	44		Reclassifications, net of income taxes

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Fair Value Accounting (Changes In Level 3 Fair Value Measurements) (Details) (USD $) In Thousands, unless otherwise specified	3 Months Ended				9 Months Ended
	Sep. 30, 2014		Sep. 30, 2013		Sep. 30, 2014	Sep. 30, 2013
Investment Securities Available for Sale [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	$ 1,866		$ 3,454		$ 2,350	$ 3,178
Included in earnings	0	[1]	0	[1]	(88)	0
Unrealized gains (losses) included in other comprehensive income	(81)		125		63	401
Purchases	0		0		0	0
Sales	0		0		0	0
Issuances	0		0		0	0
Settlements	0		0		(540)	0
Amortization of discount/premium	0		0		0	0
Transfers in and/or out of Level 3	0		0		0	0
Ending balance	1,785		3,579		1,785	3,579
Total net gains (losses) for the nine months included in earnings attributable to the change in unrealized gains (losses) relating to assets and liabilities still held at September 30,	0		0		(88)	0
Private Equity Investments [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	27,376		29,568		27,745	30,708
Included in earnings	(144)	[1]	284	[1]	(513)	(856)
Unrealized gains (losses) included in other comprehensive income	0		0		0	0
Purchases	0		0			0
Sales	0		0		0	0
Issuances	0		0		0	0
Settlements	0		0		0	0
Amortization of discount/premium	0		0		0	0
Transfers in and/or out of Level 3	0		0		0	0
Ending balance	27,232		29,852		27,232	29,852
Total net gains (losses) for the nine months included in earnings attributable to the change in unrealized gains (losses) relating to assets and liabilities still held at September 30,	(144)		284		(513)	(856)
Other Derivative Contracts, Net [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	(2,438)		(2,977)		(2,706)	(2,956)
Included in earnings	(1,979)	[1]	0	[1]	(2,731)	(801)
Unrealized gains (losses) included in other comprehensive income	0		0		0	0
Purchases	0		0		0	0
Sales	0		0		0	0
Issuances	0		0		0	0
Settlements	396		472		1,416	1,252
Amortization of discount/premium	0		0		0	0
Transfers in and/or out of Level 3	0		0		0	0
Ending balance	(4,021)		(2,505)		(4,021)	(2,505)
Total net gains (losses) for the nine months included in earnings attributable to the change in unrealized gains (losses) relating to assets and liabilities still held at September 30,	$ (1,979)		$ 0		$ (2,731)	$ (801)

[1] Included in earnings as a component of non-interest income (expense).

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Loans and Allowance for Loan Losses (Schedule Of Current, Accruing Past Due And Nonaccrual Loans) (Details) (USD $)	Sep. 30, 2014		Dec. 31, 2013		Sep. 30, 2013
Valuation and Qualifying Accounts Disclosure [Line Items]
Current	$ 20,302,321,000		$ 19,597,760,000
Accruing 30-89 Days Past Due	68,645,000		68,111,000
Accruing 90 Days or Greater Past Due	4,067,000		4,489,000
Total Accruing Past Due	72,712,000		72,600,000
Non-accrual	242,382,000		416,300,000
Total loans	20,617,415,000	[1]	20,086,660,000	[2]	19,736,612,000
Deferred fees and costs, net	28,800,000		28,900,000		25,000,000
Home Equity Lines [Member]
Valuation and Qualifying Accounts Disclosure [Line Items]
Current	1,658,917,000		1,564,578,000
Accruing 30-89 Days Past Due	9,656,000		4,919,000
Accruing 90 Days or Greater Past Due	524,000		136,000
Total Accruing Past Due	10,180,000		5,055,000
Non-accrual	16,875,000		17,908,000
Total loans	1,685,972,000		1,587,541,000
Consumer Mortgages [Member]
Valuation and Qualifying Accounts Disclosure [Line Items]
Current	1,574,526,000		1,460,219,000
Accruing 30-89 Days Past Due	11,615,000		18,068,000
Accruing 90 Days or Greater Past Due	1,004,000		1,011,000
Total Accruing Past Due	12,619,000		19,079,000
Non-accrual	34,759,000		39,770,000
Total loans	1,621,904,000		1,519,068,000
Credit Cards [Member]
Valuation and Qualifying Accounts Disclosure [Line Items]
Current	250,768,000		253,422,000
Accruing 30-89 Days Past Due	1,688,000		1,917,000
Accruing 90 Days or Greater Past Due	1,397,000		1,507,000
Total Accruing Past Due	3,085,000		3,424,000
Non-accrual	0		0
Total loans	253,853,000		256,846,000
Other Retail Loans [Member]
Valuation and Qualifying Accounts Disclosure [Line Items]
Current	288,086,000		280,524,000
Accruing 30-89 Days Past Due	2,747,000		2,190,000
Accruing 90 Days or Greater Past Due	46,000		26,000
Total Accruing Past Due	2,793,000		2,216,000
Non-accrual	2,353,000		2,038,000
Total loans	293,232,000		284,778,000
Investment Properties [Member]
Valuation and Qualifying Accounts Disclosure [Line Items]
Current	4,978,360,000		4,546,439,000
Accruing 30-89 Days Past Due	1,565,000		3,552,000
Accruing 90 Days or Greater Past Due	142,000		40,000
Total Accruing Past Due	1,707,000		3,592,000
Non-accrual	38,979,000		66,454,000
Total loans	5,019,046,000		4,616,485,000
1-4 Family Properties [Member]
Valuation and Qualifying Accounts Disclosure [Line Items]
Current	1,098,574,000		1,144,447,000
Accruing 30-89 Days Past Due	9,759,000		6,267,000
Accruing 90 Days or Greater Past Due	103,000		527,000
Total Accruing Past Due	9,862,000		6,794,000
Non-accrual	29,118,000		33,819,000
Total loans	1,137,554,000		1,185,060,000
Land Acquisition [Member]
Valuation and Qualifying Accounts Disclosure [Line Items]
Current	546,490,000		549,936,000
Accruing 30-89 Days Past Due	2,085,000		1,100,000
Accruing 90 Days or Greater Past Due	76,000		300,000
Total Accruing Past Due	2,161,000		1,400,000
Non-accrual	40,128,000		154,095,000
Total loans	588,779,000		705,431,000
Commercial Real Estate [Member]
Valuation and Qualifying Accounts Disclosure [Line Items]
Current	6,623,424,000		6,240,822,000
Accruing 30-89 Days Past Due	13,409,000		10,919,000
Accruing 90 Days or Greater Past Due	321,000		867,000
Total Accruing Past Due	13,730,000		11,786,000
Non-accrual	108,225,000		254,368,000
Total loans	6,745,379,000		6,506,976,000
Commercial, Financial and Agricultural [Member]
Valuation and Qualifying Accounts Disclosure [Line Items]
Current	5,935,845,000		5,812,490,000
Accruing 30-89 Days Past Due	13,659,000		18,985,000
Accruing 90 Days or Greater Past Due	545,000		813,000
Total Accruing Past Due	14,204,000		19,798,000
Non-accrual	53,360,000		62,977,000
Total loans	6,003,409,000		5,895,265,000
Owner-Occupied [Member]
Valuation and Qualifying Accounts Disclosure [Line Items]
Current	3,970,755,000		3,985,705,000
Accruing 30-89 Days Past Due	15,871,000		11,113,000
Accruing 90 Days or Greater Past Due	230,000		129,000
Total Accruing Past Due	16,101,000		11,242,000
Non-accrual	26,810,000		39,239,000
Total loans	4,013,666,000		4,036,186,000
Commercial and Industrial [Member]
Valuation and Qualifying Accounts Disclosure [Line Items]
Current	9,906,600,000		9,798,195,000
Accruing 30-89 Days Past Due	29,530,000		30,098,000
Accruing 90 Days or Greater Past Due	775,000		942,000
Total Accruing Past Due	30,305,000		31,040,000
Non-accrual	80,170,000		102,216,000
Total loans	10,017,075,000		9,931,451,000
Retail [Member]
Valuation and Qualifying Accounts Disclosure [Line Items]
Current	3,772,297,000		3,558,743,000
Accruing 30-89 Days Past Due	25,706,000		27,094,000
Accruing 90 Days or Greater Past Due	2,971,000		2,680,000
Total Accruing Past Due	28,677,000		29,774,000
Non-accrual	53,987,000		59,716,000
Total loans	$ 3,854,961,000		$ 3,648,233,000

[1] Total before net deferred fees and costs of $28.8 million.

[2] Total before net deferred fees and costs of $28.9 million.

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Derivative Instruments (Tables)

9 Months Ended

Sep. 30, 2014

Summary of Derivative Instruments [Abstract]

Impact of Derivatives on Balance Sheet

The impact of derivative instruments on the consolidated balance sheets at September 30, 2014 and December 31, 2013 is presented below.

	Fair Value of Derivative Assets				Fair Value of Derivative Liabilities
(in thousands)	Location on Consolidated Balance Sheet	September 30, 2014		December 31, 2013	Location on Consolidated Balance Sheet	September 30, 2014		December 31, 2013
Derivatives not designated   as hedging instruments:
Interest rate contracts	Other assets	$	30,184	38,482	Other liabilities	$	30,689	39,436
Mortgage derivatives	Other assets	1,138		1,522	Other liabilities	320		—
Visa derivative		—		—	Other liabilities	4,021		2,706
Total derivatives not   designated as hedging   instruments		$	31,322	40,004		$	35,030	42,142

Effect of Fair Value Hedges on Consolidated Statements of Income

The pre-tax effect of fair value hedges on the consolidated statements of income for the nine and three months ended September 30, 2014 and 2013 is presented below.

	Location of Gain (Loss) Recognized in Income	Gain (Loss) Recognized in Income
(in thousands)		Nine Months Ended September 30,
Derivatives not designated as hedging instruments		2014			2013
Interest rate contracts(1)	Other non-interest income	449			63
Mortgage derivatives(2)	Mortgage banking income	(704		)	(1,865	)
Total		$	(255	)	(1,802	)
	Location of Gain (Loss) Recognized in Income	Gain (Loss) Recognized in Income
(in thousands)		Three Months Ended September 30,
Derivatives not designated as hedging instruments		2014			2013
Interest rate contracts(1)	Other non-interest income	65			221
Mortgage derivatives(2)	Mortgage banking income	51			(6,806	)
Total		$	116		(6,585	)

⁽¹⁾ Gain (loss) represents net fair value adjustments (including credit related adjustments) for customer swaps and offsetting positions.

⁽²⁾ Gain (loss) represents net fair value adjustments recorded for interest rate lock commitments and commitments to sell mortgage loans to third party investors.

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Net Income Per Common Share (Tables)

9 Months Ended

Sep. 30, 2014

Earnings Per Share [Abstract]

Schedule of Basic And Diluted Earnings per Share

The following table displays a reconciliation of the information used in calculating basic and diluted earnings per common share for the nine and three months ended September 30, 2014 and 2013.

	Nine Months Ended September 30,			Three Months Ended September 30,
(in thousands, except per share data)	2014		2013	2014	2013
Basic Net Income Per Common Share:
Net income available to common shareholders	$	134,399	82,704	44,229	37,188
Weighted average common shares outstanding	138,989		123,652	139,043	136,671
Basic net income per common share	$	0.97	0.67	0.32	0.27
Diluted Net Income Per Common Share:
Net income available to common shareholders	$	134,399	82,704	44,229	37,188
Weighted average common shares outstanding	138,989		123,652	139,043	136,671
Potentially dilutive shares from assumed exercise of securities or other contracts to purchase Common Stock	611		8,823	683	426
Weighted average diluted common shares	139,600		132,476	139,726	137,097
Diluted net income per common share	$	0.96	0.62	0.32	0.27

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Consolidated Statements of Cash Flows (USD $) In Thousands, unless otherwise specified	9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013
Operating Activities
Net income	$ 142,077	$ 120,804
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	25,638	55,534
Depreciation, amortization, and accretion, net	39,524	46,513
Deferred income tax expense	74,940	64,101
Decrease in interest receivable	1,459	8,229
Decrease in interest payable	(1,575)	(3,207)
Increase in trading account assets	(6,592)	(6,261)
Originations of mortgage loans held for sale	(579,139)	(749,437)
Proceeds from sales of mortgage loans held for sale	561,796	893,348
Gains on sales of mortgage loans held for sale	(8,971)	(10,789)
(Increase) decrease in fair value of mortgage loans held for sale	(969)	3,838
Decrease in other assets	1,392	36,138
Increase (decrease) in accrued salaries and benefits	6,772	(4,584)
Increase in other liabilities	14,934	333
Investment securities gains, net	(1,331)	(2,571)
Losses on sales of other loans held for sale, net	2,050	487
Losses and write-downs on other real estate, net	16,734	22,714
Share-based compensation expense	7,453	5,771
Write-downs on other assets held for sale	7,608	0
Gain on sale of Memphis branches, net	(5,789)	0
Gain on sale of branch property	(3,116)	0
Net cash provided by operating activities	294,895	480,961
Investing Activities
Net cash (used) received in dispositions/acquisitions	(90,571)	56,328
Net decrease in interest earning deposits with banks	10,713	9,382
Net decrease in federal funds sold and securities purchased under resale agreements	10,057	33,340
Net (increase) decrease in interest bearing funds with Federal Reserve Bank	(105,918)	531,955
Proceeds from maturities and principal collections of investment securities available for sale	417,704	584,810
Proceeds from sales of investment securities available for sale	20,815	403,792
Purchases of investment securities available for sale	(277,375)	(1,197,122)
Proceeds from sales of loans	44,001	75,359
Proceeds from sale of other real estate	49,754	77,168
Principal repayments by borrowers on other loans held for sale	770	3,966
Net increase in loans	(754,930)	(423,252)
Purchases of premises and equipment	(36,059)	(24,971)
Proceeds from disposals of premises and equipment	4,838	3,172
Proceeds from sale of other assets held for sale	507	1,085
Net cash (used in) provided by investing activities	(705,694)	135,012
Financing Activities
Net increase (decrease) in demand and savings deposits	8,677	(281,267)
Net increase in certificates of deposit	295,687	141,252
Net decrease in federal funds purchased and securities sold under repurchase agreements	(40,972)	(6,630)
Principal repayments on long-term debt	(605)	(301,431)
Proceeds from issuance of long-term debt	99,938	462,500
Dividends paid to common shareholders	(29,194)	(26,703)
Dividends paid to preferred shareholders	(7,678)	(33,741)
Stock options exercised	1,985	789
Proceeds from issuance of Series C Preferred Stock	0	125,400
Redemption of Series A Preferred Stock	0	(967,870)
Proceeds from issuance of common stock	0	174,764
Excess tax benefit from share-based compensation	201	569
Restricted stock activity	(468)	(3,541)
Net cash provided by (used in) financing activities	327,571	(715,909)
Decrease in cash and cash equivalents	(83,228)	(99,936)
Cash and cash equivalents at beginning of period	469,630	614,630
Cash and cash equivalents at end of period	386,402	514,694
Supplemental Cash Flow Information
Income tax payments, net	4,693	1,669
Interest paid	83,861	85,332
Non-cash Investing Activities:
Mortgage loans held for sale transferred to loans at fair value	334	14,471
Premises and equipment transferred to other assets held for sale	16,613	490
Loans foreclosed and transferred to other real estate	35,495	72,854
Loans transferred to other loans held for sale at fair value	36,736	117,806
Other loans held for sale transferred to loans at fair value	0	1,235
Other loans held for sale foreclosed and transferred to other real estate at fair value	0	3,246
Settlement of prepaid common stock purchase contracts	0	122,848
Securities purchased during the period but settled after period-end	0	35,160
Dispositions/Acquisitions:
Fair value of non-cash assets (sold) acquired	(100,982)	536
Fair value of liabilities (sold) assumed	$ (191,553)	$ 56,864

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Significant Accounting Policies (Details) (Cash and Cash Equivalents [Member], USD $)	Sep. 30, 2014	Dec. 31, 2013
Cash and Cash Equivalents [Member]
Basis Of Presentation [Line Items]
Cash and cash equivalents	$ 91,300,000	$ 104,900,000
Total deposits	125,000	375,000
Interest earning deposits with banks	7,100,000	11,100,000
Federal funds sold	$ 68,100,000	$ 72,200,000

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Investment Securities (Summary Of Sales Transactions In The Investment Securities Available For Sale Portfolio) (Details) (USD $) In Thousands, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Investments [Abstract]
Proceeds from sale and maturity of investment securities available for sale	$ 0	$ 56,406	$ 20,815	$ 403,792
Gross realized gains	0	1,150	1,419	3,185
Gross realized losses	0	(26)	(88)	(614)
Investment securities gains, net	$ 0	$ 1,124	$ 1,331	$ 2,571

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Other Comprehensive Income (Loss) (Reclassifications out of Accumulated Other Comprehensive Income (Loss)) (Details) (USD $) In Thousands, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Reclassification out of Accumulated Other Comprehensive Income [Line Items]
Interest expense	$ (27,131)	$ (29,882)	$ (82,160)	$ (89,894)
Income tax (expense) benefit	(25,868)	(27,765)	(81,554)	(72,114)
Investment securities gains, net	0	1,124	1,331	2,571
Salaries and other personnel expense	(193,749)	(187,328)	(560,115)	(550,799)
Net income available to common shareholders	44,229	37,188	134,399	82,704
Net Unrealized Gains (Losses) on Cash Flow Hedges [Member]
Reclassification out of Accumulated Other Comprehensive Income [Line Items]
Interest expense	(112)	(112)	(336)	(336)
Income tax (expense) benefit	43	43	130	131
Net income available to common shareholders	(69)	(69)	(206)	(205)
Net Unrealized Gains (Losses) on Investment Securities Available for Sale [Member]
Reclassification out of Accumulated Other Comprehensive Income [Line Items]
Income tax (expense) benefit		(433)	(513)	(990)
Investment securities gains, net		1,124	1,331	2,571
Net income available to common shareholders		691	818	1,581
Post-Retirement Unfunded Health Benefit [Member]
Reclassification out of Accumulated Other Comprehensive Income [Line Items]
Income tax (expense) benefit		(28)	(56)	(38)
Salaries and other personnel expense		72	144	98
Net income available to common shareholders		$ 44	$ 88	$ 60

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Consolidated Balance Sheets (USD $) In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
ASSETS
Cash and cash equivalents	$ 386,402	$ 469,630
Interest bearing funds with Federal Reserve Bank	750,446	644,528
Interest earning deposits with banks	13,612	24,325
Federal funds sold and securities purchased under resale agreements	70,918	80,975
Trading account assets, at fair value	12,705	6,113
Mortgage loans held for sale, at fair value	72,333	45,384
Other loans held for sale	338	10,685
Investment securities available for sale, at fair value	3,050,257	3,199,358
Loans, net of deferred fees and costs	20,588,566	20,057,798
Allowance for loan losses	(269,376)	(307,560)
Loans, net	20,319,190	19,750,238
Premises and equipment, net	456,633	468,871
Goodwill	24,431	24,431
Other intangible assets, net	1,471	3,415
Other real estate	81,636	112,629
Deferred tax asset, net	656,151	744,646
Other assets	622,587	616,376
Total assets	26,519,110	26,201,604
LIABILITIES AND SHAREHOLDERS' EQUITY
Non-interest bearing deposits	5,813,809	5,642,751
Interest bearing deposits, excluding brokered deposits	13,609,038	14,140,037
Brokered deposits	1,566,934	1,094,002
Total deposits	20,989,781	20,876,790
Federal funds purchased and securities sold under repurchase agreements	107,160	148,132
Long-term debt	2,130,934	2,033,141
Other liabilities	214,690	194,556
Total liabilities	23,442,565	23,252,619
Shareholders' Equity:
Common stock - $1.00 par value. Authorized 342,857,143 shares; 139,877,971 issued at September 30, 2014 and 139,720,701 issued at December 31, 2013; 139,064,621 outstanding at September 30, 2014 and 138,907,351 outstanding at December 31, 2013	139,878	139,721
Additional paid-in capital	2,974,319	2,976,348
Treasury stock, at cost – 813,350 shares at September 30, 2014 and December 31, 2013	(114,176)	(114,176)
Accumulated other comprehensive loss, net	(24,827)	(41,258)
Accumulated deficit	(24,629)	(137,512)
Total shareholders' equity	3,076,545	2,948,985
Total liabilities and shareholders' equity	26,519,110	26,201,604
Series C Preferred Stock [Member]
Shareholders' Equity:
Series C Preferred Stock – no par value. 5,200,000 shares outstanding at September 30, 2014 and December 31, 2013	$ 125,980	$ 125,862

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Loans and Allowance for Loan Losses (Loan Portfolio Credit Exposure) (Details) (USD $)						9 Months Ended
	Sep. 30, 2014		Dec. 31, 2013		Sep. 30, 2013	Sep. 30, 2014 Maximum [Member]	Sep. 30, 2014 Home Equity Lines [Member]	Dec. 31, 2013 Home Equity Lines [Member]	Sep. 30, 2014 Consumer Mortgages [Member]	Dec. 31, 2013 Consumer Mortgages [Member]	Sep. 30, 2014 Credit Cards [Member]	Dec. 31, 2013 Credit Cards [Member]	Sep. 30, 2014 Other Retail Loans [Member]	Dec. 31, 2013 Other Retail Loans [Member]	Sep. 30, 2014 Commercial and Industrial [Member]	Dec. 31, 2013 Commercial and Industrial [Member]	Sep. 30, 2014 Commercial Real Estate [Member]	Dec. 31, 2013 Commercial Real Estate [Member]	Sep. 30, 2014 Investment Properties [Member]	Dec. 31, 2013 Investment Properties [Member]	Sep. 30, 2014 1-4 Family Properties [Member]	Dec. 31, 2013 1-4 Family Properties [Member]	Sep. 30, 2014 Land Acquisition [Member]	Dec. 31, 2013 Land Acquisition [Member]	Sep. 30, 2014 Commercial, Financial and Agricultural [Member]	Dec. 31, 2013 Commercial, Financial and Agricultural [Member]	Sep. 30, 2014 Owner-Occupied [Member]	Dec. 31, 2013 Owner-Occupied [Member]	Sep. 30, 2014 Retail [Member]	Dec. 31, 2013 Retail [Member]	Sep. 30, 2014 Pass [Member]	Dec. 31, 2013 Pass [Member]	Sep. 30, 2014 Pass [Member] Home Equity Lines [Member]	Dec. 31, 2013 Pass [Member] Home Equity Lines [Member]	Sep. 30, 2014 Pass [Member] Consumer Mortgages [Member]	Dec. 31, 2013 Pass [Member] Consumer Mortgages [Member]	Sep. 30, 2014 Pass [Member] Credit Cards [Member]	Dec. 31, 2013 Pass [Member] Credit Cards [Member]	Sep. 30, 2014 Pass [Member] Other Retail Loans [Member]	Dec. 31, 2013 Pass [Member] Other Retail Loans [Member]	Sep. 30, 2014 Pass [Member] Commercial and Industrial [Member]	Dec. 31, 2013 Pass [Member] Commercial and Industrial [Member]	Sep. 30, 2014 Pass [Member] Commercial Real Estate [Member]	Dec. 31, 2013 Pass [Member] Commercial Real Estate [Member]	Sep. 30, 2014 Pass [Member] Investment Properties [Member]	Dec. 31, 2013 Pass [Member] Investment Properties [Member]	Sep. 30, 2014 Pass [Member] 1-4 Family Properties [Member]	Dec. 31, 2013 Pass [Member] 1-4 Family Properties [Member]	Sep. 30, 2014 Pass [Member] Land Acquisition [Member]	Dec. 31, 2013 Pass [Member] Land Acquisition [Member]	Sep. 30, 2014 Pass [Member] Commercial, Financial and Agricultural [Member]	Dec. 31, 2013 Pass [Member] Commercial, Financial and Agricultural [Member]	Sep. 30, 2014 Pass [Member] Owner-Occupied [Member]	Dec. 31, 2013 Pass [Member] Owner-Occupied [Member]	Sep. 30, 2014 Pass [Member] Retail [Member]	Dec. 31, 2013 Pass [Member] Retail [Member]	Sep. 30, 2014 Special Mention [Member]	Dec. 31, 2013 Special Mention [Member]	Sep. 30, 2014 Special Mention [Member] Home Equity Lines [Member]	Dec. 31, 2013 Special Mention [Member] Home Equity Lines [Member]	Sep. 30, 2014 Special Mention [Member] Consumer Mortgages [Member]	Dec. 31, 2013 Special Mention [Member] Consumer Mortgages [Member]	Sep. 30, 2014 Special Mention [Member] Credit Cards [Member]	Dec. 31, 2013 Special Mention [Member] Credit Cards [Member]	Sep. 30, 2014 Special Mention [Member] Other Retail Loans [Member]	Dec. 31, 2013 Special Mention [Member] Other Retail Loans [Member]	Sep. 30, 2014 Special Mention [Member] Commercial and Industrial [Member]	Dec. 31, 2013 Special Mention [Member] Commercial and Industrial [Member]	Sep. 30, 2014 Special Mention [Member] Commercial Real Estate [Member]	Dec. 31, 2013 Special Mention [Member] Commercial Real Estate [Member]	Sep. 30, 2014 Special Mention [Member] Investment Properties [Member]	Dec. 31, 2013 Special Mention [Member] Investment Properties [Member]	Sep. 30, 2014 Special Mention [Member] 1-4 Family Properties [Member]	Dec. 31, 2013 Special Mention [Member] 1-4 Family Properties [Member]	Sep. 30, 2014 Special Mention [Member] Land Acquisition [Member]	Dec. 31, 2013 Special Mention [Member] Land Acquisition [Member]	Sep. 30, 2014 Special Mention [Member] Commercial, Financial and Agricultural [Member]	Dec. 31, 2013 Special Mention [Member] Commercial, Financial and Agricultural [Member]	Sep. 30, 2014 Special Mention [Member] Owner-Occupied [Member]	Dec. 31, 2013 Special Mention [Member] Owner-Occupied [Member]	Sep. 30, 2014 Special Mention [Member] Retail [Member]	Dec. 31, 2013 Special Mention [Member] Retail [Member]	Sep. 30, 2014 Substandard [Member]		Dec. 31, 2013 Substandard [Member]		Sep. 30, 2014 Substandard [Member] Home Equity Lines [Member]		Dec. 31, 2013 Substandard [Member] Home Equity Lines [Member]		Sep. 30, 2014 Substandard [Member] Consumer Mortgages [Member]		Dec. 31, 2013 Substandard [Member] Consumer Mortgages [Member]		Sep. 30, 2014 Substandard [Member] Credit Cards [Member]		Dec. 31, 2013 Substandard [Member] Credit Cards [Member]		Sep. 30, 2014 Substandard [Member] Other Retail Loans [Member]		Dec. 31, 2013 Substandard [Member] Other Retail Loans [Member]		Sep. 30, 2014 Substandard [Member] Commercial and Industrial [Member]		Dec. 31, 2013 Substandard [Member] Commercial and Industrial [Member]		Sep. 30, 2014 Substandard [Member] Commercial Real Estate [Member]		Dec. 31, 2013 Substandard [Member] Commercial Real Estate [Member]		Sep. 30, 2014 Substandard [Member] Investment Properties [Member]		Dec. 31, 2013 Substandard [Member] Investment Properties [Member]		Sep. 30, 2014 Substandard [Member] 1-4 Family Properties [Member]		Dec. 31, 2013 Substandard [Member] 1-4 Family Properties [Member]		Sep. 30, 2014 Substandard [Member] Land Acquisition [Member]		Dec. 31, 2013 Substandard [Member] Land Acquisition [Member]		Sep. 30, 2014 Substandard [Member] Commercial, Financial and Agricultural [Member]		Dec. 31, 2013 Substandard [Member] Commercial, Financial and Agricultural [Member]		Sep. 30, 2014 Substandard [Member] Owner-Occupied [Member]		Dec. 31, 2013 Substandard [Member] Owner-Occupied [Member]		Sep. 30, 2014 Substandard [Member] Retail [Member]		Dec. 31, 2013 Substandard [Member] Retail [Member]		Sep. 30, 2014 Doubtful [Member]		Dec. 31, 2013 Doubtful [Member]		Sep. 30, 2014 Doubtful [Member] Home Equity Lines [Member]		Dec. 31, 2013 Doubtful [Member] Home Equity Lines [Member]		Sep. 30, 2014 Doubtful [Member] Consumer Mortgages [Member]		Dec. 31, 2013 Doubtful [Member] Consumer Mortgages [Member]		Sep. 30, 2014 Doubtful [Member] Credit Cards [Member]		Dec. 31, 2013 Doubtful [Member] Credit Cards [Member]		Sep. 30, 2014 Doubtful [Member] Other Retail Loans [Member]		Dec. 31, 2013 Doubtful [Member] Other Retail Loans [Member]		Sep. 30, 2014 Doubtful [Member] Commercial and Industrial [Member]		Dec. 31, 2013 Doubtful [Member] Commercial and Industrial [Member]		Sep. 30, 2014 Doubtful [Member] Commercial Real Estate [Member]		Dec. 31, 2013 Doubtful [Member] Commercial Real Estate [Member]		Sep. 30, 2014 Doubtful [Member] Investment Properties [Member]		Dec. 31, 2013 Doubtful [Member] Investment Properties [Member]		Sep. 30, 2014 Doubtful [Member] 1-4 Family Properties [Member]		Dec. 31, 2013 Doubtful [Member] 1-4 Family Properties [Member]		Sep. 30, 2014 Doubtful [Member] Land Acquisition [Member]		Dec. 31, 2013 Doubtful [Member] Land Acquisition [Member]		Sep. 30, 2014 Doubtful [Member] Commercial, Financial and Agricultural [Member]		Dec. 31, 2013 Doubtful [Member] Commercial, Financial and Agricultural [Member]		Sep. 30, 2014 Doubtful [Member] Owner-Occupied [Member]		Dec. 31, 2013 Doubtful [Member] Owner-Occupied [Member]		Sep. 30, 2014 Doubtful [Member] Retail [Member]		Dec. 31, 2013 Doubtful [Member] Retail [Member]		Sep. 30, 2014 Loss [Member]	Dec. 31, 2013 Loss [Member]	Sep. 30, 2014 Loss [Member] Home Equity Lines [Member]		Dec. 31, 2013 Loss [Member] Home Equity Lines [Member]		Sep. 30, 2014 Loss [Member] Consumer Mortgages [Member]		Dec. 31, 2013 Loss [Member] Consumer Mortgages [Member]		Sep. 30, 2014 Loss [Member] Credit Cards [Member]		Dec. 31, 2013 Loss [Member] Credit Cards [Member]		Sep. 30, 2014 Loss [Member] Other Retail Loans [Member]		Dec. 31, 2013 Loss [Member] Other Retail Loans [Member]		Sep. 30, 2014 Loss [Member] Commercial and Industrial [Member]		Dec. 31, 2013 Loss [Member] Commercial and Industrial [Member]	Sep. 30, 2014 Loss [Member] Commercial Real Estate [Member]	Dec. 31, 2013 Loss [Member] Commercial Real Estate [Member]	Sep. 30, 2014 Loss [Member] Investment Properties [Member]	Dec. 31, 2013 Loss [Member] Investment Properties [Member]	Sep. 30, 2014 Loss [Member] 1-4 Family Properties [Member]	Dec. 31, 2013 Loss [Member] 1-4 Family Properties [Member]		Sep. 30, 2014 Loss [Member] Land Acquisition [Member]	Dec. 31, 2013 Loss [Member] Land Acquisition [Member]	Sep. 30, 2014 Loss [Member] Commercial, Financial and Agricultural [Member]		Dec. 31, 2013 Loss [Member] Commercial, Financial and Agricultural [Member]		Sep. 30, 2014 Loss [Member] Owner-Occupied [Member]		Dec. 31, 2013 Loss [Member] Owner-Occupied [Member]	Sep. 30, 2014 Loss [Member] Retail [Member]	Dec. 31, 2013 Loss [Member] Retail [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	$ 20,617,415,000	[1]	$ 20,086,660,000	[2]	$ 19,736,612,000		$ 1,685,972,000	$ 1,587,541,000	$ 1,621,904,000	$ 1,519,068,000	$ 253,853,000	$ 256,846,000	$ 293,232,000	$ 284,778,000	$ 10,017,075,000	$ 9,931,451,000	$ 6,745,379,000	$ 6,506,976,000	$ 5,019,046,000	$ 4,616,485,000	$ 1,137,554,000	$ 1,185,060,000	$ 588,779,000	$ 705,431,000	$ 6,003,409,000	$ 5,895,265,000	$ 4,013,666,000	$ 4,036,186,000	$ 3,854,961,000	$ 3,648,233,000	$ 19,250,559,000	$ 18,277,301,000	$ 1,661,751,000	$ 1,559,272,000	$ 1,577,632,000	$ 1,475,928,000	$ 252,510,000	$ 255,339,000	$ 289,713,000	$ 281,179,000	$ 9,395,463,000	$ 9,165,769,000	$ 6,073,490,000	$ 5,539,814,000	$ 4,687,315,000	$ 4,197,368,000	$ 925,346,000	$ 920,392,000	$ 460,829,000	$ 422,054,000	$ 5,667,272,000	$ 5,451,369,000	$ 3,728,191,000	$ 3,714,400,000	$ 3,781,606,000	$ 3,571,718,000	$ 652,155,000	$ 850,638,000	$ 0	$ 0	$ 0	$ 0	$ 0	$ 0	$ 0	$ 0	$ 299,261,000	$ 379,717,000	$ 352,894,000	$ 470,921,000	$ 197,501,000	$ 249,890,000	$ 99,686,000	$ 126,715,000	$ 55,707,000	$ 94,316,000	$ 174,559,000	$ 224,620,000	$ 124,702,000	$ 155,097,000	$ 0	$ 0	$ 687,417,000	[3]	$ 926,084,000	[3]	$ 19,239,000	[3]	$ 25,177,000	[3]	$ 42,323,000	[3]	$ 40,368,000	[3]	$ 539,000	[3]	$ 541,000	[3]	$ 3,383,000	[3]	$ 3,400,000	[3]	$ 311,373,000	[3]	$ 372,982,000	[3]	$ 310,560,000	[3]	$ 483,616,000	[3]	$ 134,230,000	[3]	$ 167,503,000	[3]	$ 104,994,000	[3]	$ 129,599,000	[3]	$ 71,336,000	[3]	$ 186,514,000	[3]	$ 151,871,000	[3]	$ 208,422,000	[3]	$ 159,502,000	[3]	$ 164,560,000	[3]	$ 65,484,000	[3]	$ 69,486,000	[3]	$ 21,568,000	[4]	$ 29,100,000	[4]	$ 2,090,000	[4]	$ 1,314,000	[4]	$ 1,610,000	[4]	$ 2,485,000	[4]	$ 0	[4]	$ 0	[4]	$ 32,000	[4]	$ 75,000	[4]	$ 9,401,000	[4]	$ 12,893,000	[4]	$ 8,435,000	[4]	$ 12,333,000	[4]	$ 0	[4]	$ 1,724,000	[4]	$ 7,528,000	[4]	$ 8,062,000	[4]	$ 907,000	[4]	$ 2,547,000	[4]	$ 8,562,000	[4]	$ 10,764,000	[4]	$ 839,000	[4]	$ 2,129,000	[4]	$ 3,732,000	[4]	$ 3,874,000	[4]	$ 5,716,000	$ 3,537,000	$ 2,892,000	[5]	$ 1,778,000	[5]	$ 339,000	[5]	$ 287,000	[5]	$ 804,000	[6]	$ 966,000	[6]	$ 104,000	[5]	$ 124,000	[5]	$ 1,577,000	[4],[5]	$ 90,000	$ 0	$ 292,000	$ 0	$ 0	$ 0	$ 292,000	[5]	$ 0	$ 0	$ 1,145,000	[5]	$ 90,000	[5]	$ 432,000	[5]	$ 0	$ 4,139,000	$ 3,155,000
Nonaccrual substandard loans	215,100,000		383,700,000
Allowance for loan losses, percent of loan amount						50.00%
Deferred fees and costs, net	$ 28,800,000		$ 28,900,000		$ 25,000,000

[1] Total before net deferred fees and costs of $28.8 million.

[2] Total before net deferred fees and costs of $28.9 million.

[3] Includes $215.1 million and $383.7 million of non-accrual Substandard loans at September 30, 2014 and December 31, 2013, respectively.

[4] The loans within this risk grade are on non-accrual status. Commercial loans generally have an allowance for loan losses in accordance with ASC 310, and retail loans generally have an allowance for loan losses equal to 50% of the loan amount.

[5] The loans within this risk grade are on non-accrual status and have an allowance for loan losses equal to the full loan amount.

[6] Represent amounts that were 120 days past due. These credits are downgraded to the Loss category with an allowance for loan losses equal to the full loan amount and are generally charged off upon reaching 181 days past due in accordance with the FFIEC Uniform Retail Credit Classification and Account Management Policy.

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Consolidated Statements of Changes in Equity (USD $) In Thousands	Total	Series A Preferred Stock [Member]	Series C Preferred Stock [Member]	Preferred Stock [Member] Series A Preferred Stock [Member]	Preferred Stock [Member] Series C Preferred Stock [Member]	Common Stock [Member]	Additional Paid-In Capital [Member]	Additional Paid-In Capital [Member] Series A Preferred Stock [Member]	Additional Paid-In Capital [Member] Series C Preferred Stock [Member]	Treasury Stock [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Accumulated Deficit [Member]
Balance at Dec. 31, 2012	$ 3,569,431			$ 957,327		$ 113,182	$ 2,868,965			$ (114,176)	$ 4,101	$ (259,968)
Net income	120,804											120,804
Other comprehensive income (loss), net of income taxes	(33,615)										(33,615)
Cash dividends declared on Common Stock - $0.21 per share	(26,703)											(26,703)
Cash dividends paid on Preferred Stock		(33,741)						(33,741)
Accretion of discount on Series A Preferred Stock				10,543				(10,543)
Redemption of Series A Preferred Stock		(967,870)		(967,870)
Settlement of prepaid common stock purchase contracts	122,848					17,550	(17,550)
Issuance of stock, net of issuance costs	174,764		125,400		125,400	8,553	166,211
Restricted share unit activity	(3,541)					372	(3,413)					(500)
Stock options exercised	789					47	742
Share-based compensation tax benefit	371
Share-based compensation expense	5,771						5,771
Balance at Sep. 30, 2013	2,931,860			0	125,400	139,704	2,976,813			(114,176)	(29,514)	(166,367)
Balance at Dec. 31, 2013	2,948,985				125,862	139,721	2,976,348			(114,176)	(41,258)	(137,512)
Net income	142,077											142,077
Other comprehensive income (loss), net of income taxes	16,431										16,431
Cash dividends declared on Common Stock - $0.21 per share	(29,194)											(29,194)
Cash dividends paid on Preferred Stock			(7,678)						(7,678)
Settlement of prepaid common stock purchase contracts	0
Issuance of stock, net of issuance costs			118		118
Restricted share unit activity	(468)					41	(509)
Stock options exercised	1,985					116	1,869
Share-based compensation tax deficiency	(3,164)						(3,164)
Share-based compensation expense	7,453						7,453
Balance at Sep. 30, 2014	$ 3,076,545				$ 125,980	$ 139,878	$ 2,974,319			$ (114,176)	$ (24,827)	$ (24,629)

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Fair Value Accounting (Fair Value Inputs, Assets, Quantitative Information) (Details) (USD $) In Thousands, unless otherwise specified		12 Months Ended								9 Months Ended										12 Months Ended						9 Months Ended						12 Months Ended						9 Months Ended						12 Months Ended						9 Months Ended						12 Months Ended						9 Months Ended
	Dec. 31, 2013 Fair Value, Measurements, Recurring [Member] Equity Securities [Member] Individual Analysis of Each Investment [Member]	Dec. 31, 2013 Fair Value, Measurements, Recurring [Member] Trust Preferred Securities [Member] Minimum [Member]		Dec. 31, 2013 Fair Value, Measurements, Recurring [Member] Trust Preferred Securities [Member] Maximum [Member]		Dec. 31, 2013 Fair Value, Measurements, Recurring [Member] Trust Preferred Securities [Member] Weighted Average [Member]		Sep. 30, 2014 Fair Value, Measurements, Recurring [Member] Trust Preferred Securities [Member] Discounted Cash Flow [Member]	Dec. 31, 2013 Fair Value, Measurements, Recurring [Member] Trust Preferred Securities [Member] Discounted Cash Flow [Member]	Sep. 30, 2014 Fair Value, Measurements, Recurring [Member] Trust Preferred Securities [Member] Discounted Cash Flow [Member] Minimum [Member]		Sep. 30, 2014 Fair Value, Measurements, Recurring [Member] Trust Preferred Securities [Member] Discounted Cash Flow [Member] Maximum [Member]		Sep. 30, 2014 Fair Value, Measurements, Recurring [Member] Trust Preferred Securities [Member] Discounted Cash Flow [Member] Weighted Average [Member]		Sep. 30, 2014 Fair Value, Measurements, Recurring [Member] Private Equity Investments [Member] Individual Analysis of Each Investment [Member]	Dec. 31, 2013 Fair Value, Measurements, Recurring [Member] Private Equity Investments [Member] Individual Analysis of Each Investee Company [Member]	Sep. 30, 2014 Fair Value, Measurements, Recurring [Member] Visa Derivative [Member] Probability Model [Member]	Dec. 31, 2013 Fair Value, Measurements, Recurring [Member] Visa Derivative [Member] Probability Model [Member]	Dec. 31, 2013 Fair Value, Measurements, Recurring [Member] Collateral Dependent Impaired Loans [Member] Minimum [Member]		Dec. 31, 2013 Fair Value, Measurements, Recurring [Member] Collateral Dependent Impaired Loans [Member] Maximum [Member]		Dec. 31, 2013 Fair Value, Measurements, Recurring [Member] Collateral Dependent Impaired Loans [Member] Weighted Average [Member]		Sep. 30, 2014 Fair Value, Measurements, Recurring [Member] Collateral Dependent Impaired Loans [Member] Third Party Appraised value of Collateral Less Estimated Selling Costs [Member] Minimum [Member]		Sep. 30, 2014 Fair Value, Measurements, Recurring [Member] Collateral Dependent Impaired Loans [Member] Third Party Appraised value of Collateral Less Estimated Selling Costs [Member] Maximum [Member]		Sep. 30, 2014 Fair Value, Measurements, Recurring [Member] Collateral Dependent Impaired Loans [Member] Third Party Appraised value of Collateral Less Estimated Selling Costs [Member] Weighted Average [Member]		Dec. 31, 2013 Fair Value, Measurements, Recurring [Member] Other Loans Held for Sale [Member] Minimum [Member]		Dec. 31, 2013 Fair Value, Measurements, Recurring [Member] Other Loans Held for Sale [Member] Maximum [Member]		Dec. 31, 2013 Fair Value, Measurements, Recurring [Member] Other Loans Held for Sale [Member] Weighted Average [Member]		Sep. 30, 2014 Fair Value, Measurements, Recurring [Member] Other Loans Held for Sale [Member] Third Party Appraised value of Collateral Less Estimated Selling Costs [Member] Minimum [Member]		Sep. 30, 2014 Fair Value, Measurements, Recurring [Member] Other Loans Held for Sale [Member] Third Party Appraised value of Collateral Less Estimated Selling Costs [Member] Maximum [Member]		Sep. 30, 2014 Fair Value, Measurements, Recurring [Member] Other Loans Held for Sale [Member] Third Party Appraised value of Collateral Less Estimated Selling Costs [Member] Weighted Average [Member]		Dec. 31, 2013 Fair Value, Measurements, Recurring [Member] Other Real Estate [Member] Minimum [Member]		Dec. 31, 2013 Fair Value, Measurements, Recurring [Member] Other Real Estate [Member] Maximum [Member]		Dec. 31, 2013 Fair Value, Measurements, Recurring [Member] Other Real Estate [Member] Weighted Average [Member]		Sep. 30, 2014 Fair Value, Measurements, Recurring [Member] Other Real Estate [Member] Third Party Appraised value of Collateral Less Estimated Selling Costs [Member] Minimum [Member]		Sep. 30, 2014 Fair Value, Measurements, Recurring [Member] Other Real Estate [Member] Third Party Appraised value of Collateral Less Estimated Selling Costs [Member] Maximum [Member]		Sep. 30, 2014 Fair Value, Measurements, Recurring [Member] Other Real Estate [Member] Third Party Appraised value of Collateral Less Estimated Selling Costs [Member] Weighted Average [Member]		Dec. 31, 2013 Fair Value, Measurements, Recurring [Member] Other Assets Held for Sale [Member] Minimum [Member]		Dec. 31, 2013 Fair Value, Measurements, Recurring [Member] Other Assets Held for Sale [Member] Maximum [Member]		Dec. 31, 2013 Fair Value, Measurements, Recurring [Member] Other Assets Held for Sale [Member] Weighted Average [Member]		Sep. 30, 2014 Fair Value, Measurements, Recurring [Member] Other Assets Held for Sale [Member] Third Party Appraised value of Collateral Less Estimated Selling Costs or BOV [Member] Minimum [Member]		Sep. 30, 2014 Fair Value, Measurements, Recurring [Member] Other Assets Held for Sale [Member] Third Party Appraised value of Collateral Less Estimated Selling Costs or BOV [Member] Maximum [Member]		Sep. 30, 2014 Fair Value, Measurements, Recurring [Member] Other Assets Held for Sale [Member] Third Party Appraised value of Collateral Less Estimated Selling Costs or BOV [Member] Weighted Average [Member]		Sep. 30, 2014 Fair Value, Measurements, Nonrecurring [Member] Collateral Dependent Impaired Loans [Member] Third Party Appraised value of Collateral Less Estimated Selling Costs [Member]	Dec. 31, 2013 Fair Value, Measurements, Nonrecurring [Member] Collateral Dependent Impaired Loans [Member] Third Party Appraised value of Collateral Less Estimated Selling Costs [Member]	Sep. 30, 2014 Fair Value, Measurements, Nonrecurring [Member] Other Loans Held for Sale [Member] Third Party Appraised value of Collateral Less Estimated Selling Costs [Member]	Dec. 31, 2013 Fair Value, Measurements, Nonrecurring [Member] Other Loans Held for Sale [Member] Third Party Appraised value of Collateral Less Estimated Selling Costs [Member]	Sep. 30, 2014 Fair Value, Measurements, Nonrecurring [Member] Other Real Estate [Member] Third Party Appraised value of Collateral Less Estimated Selling Costs [Member]	Dec. 31, 2013 Fair Value, Measurements, Nonrecurring [Member] Other Real Estate [Member] Third Party Appraised value of Collateral Less Estimated Selling Costs [Member]	Dec. 31, 2013 Fair Value, Measurements, Nonrecurring [Member] Other Assets Held for Sale [Member] Third Party Appraised value of Collateral Less Estimated Selling Costs or BOV [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets, Fair Value Disclosure	$ 628							$ 1,785	$ 1,722							$ 27,232	$ 27,745	$ 4,021	$ 2,706																																																	$ 37,790	$ 170,693	$ 338	$ 9,670	$ 25,928	$ 50,070	$ 4,945
Credit spread embedded in discount rate		4.00%	[1]	4.80%	[1]	4.41%	[1]			4.50%	[1]	5.50%	[1]	5.00%	[1]
Discount to appraised value																				0.00%	[1]	65.00%	[1]	25.00%	[1]	0.00%	[1]	100.00%	[1]	48.00%	[1]	0.00%	[1]	12.00%	[1]	4.00%	[1]	0.00%	[1]	23.00%	[1]	23.00%	[1]	0.00%	[1]	7.00%	[1]	2.00%	[1]	0.00%	[1]	38.00%	[1]	16.00%	[1]	5.00%	[1]	36.00%	[1]	20.00%	[1]	9.00%	[1]	100.00%	[1]	69.00%	[1]
Estimated selling costs																				0.00%	[1]	10.00%	[1]	7.00%	[1]	0.00%	[1]	10.00%	[1]	7.00%	[1]	0.00%	[1]	10.00%	[1]	7.00%	[1]	0.00%	[1]	10.00%	[1]	7.00%	[1]	0.00%	[1]	10.00%	[1]	7.00%	[1]	0.00%	[1]	10.00%	[1]	7.00%	[1]	0.00%	[1]	10.00%	[1]	7.00%	[1]	0.00%	[1]	10.00%	[1]	10.00%	[1]

[1] The range represents management's best estimate of the high and low of the value that would be assigned to a particular input. For assets measured at fair value on a non-recurring basis, the weighted average is the measure of central tendencies; it is not the value that management is using for the asset or liability.

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Sale of Branches (Details) (USD $)			9 Months Ended
	Sep. 30, 2014	Dec. 31, 2013	Sep. 30, 2014 Trust One Bank, Memphis, Tennessee [Member]	Jan. 17, 2014 Trust One Bank, Memphis, Tennessee [Member]
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
Loans	$ 20,319,190,000	$ 19,750,238,000		$ 89,600,000
Deposits	20,989,781,000	20,876,790,000		191,300,000
Gain on sale of branches			$ 5,800,000

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Net Income Per Common Share (Schedule Of Basic And Diluted Earnings Per Share) (Details) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Basic Earnings (Loss) Per Share
Net income available to common shareholders	$ 44,229	$ 37,188	$ 134,399	$ 82,704
Weighted average common shares outstanding	139,043	136,671	138,989	123,652
Basic net income per common share	$ 0.32	$ 0.27	$ 0.97	$ 0.67
Diluted Earnings (Loss) Per Share
Net income available to common shareholders	$ 44,229	$ 37,188	$ 134,399	$ 82,704
Weighted average common shares outstanding	139,043	136,671	138,989	123,652
Potentially dilutive shares from assumed exercise of securities or other contracts to purchase Common Stock	683	426	611	8,823
Weighted average number of diluted common shares	139,726	137,097	139,600	132,476
Diluted net income per common share	$ 0.32	$ 0.27	$ 0.96	$ 0.62

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Income Taxes

9 Months Ended

Sep. 30, 2014

Income Tax Disclosure [Abstract]

Income Taxes

Note 14 - Income Taxes

The valuation allowance for deferred tax assets was $15.2 million and $14.6 million at September 30, 2014 and December 31, 2013, respectively.  The $621 thousand increase in the valuation allowance from December 31, 2013 to September 30, 2014 is related to certain state income tax credits that are expected to expire before they can be utilized.  Management assesses the need for a valuation allowance for deferred tax assets at each reporting period. The determination of whether a valuation allowance for deferred tax assets is appropriate is subject to considerable judgment and requires an evaluation of all the positive and negative evidence.  Based on the assessment of all of the positive and negative evidence at September 30, 2014, management has concluded that it is more likely than not that $656.2 million of the net deferred tax asset will be realized based upon future taxable income.

Synovus expects to realize substantially all of the $656.2 million in net deferred tax assets well in advance of the statutory carryforward period. At September 30, 2014, $186.1 million of existing deferred tax assets are not related to net operating losses or credits and, therefore, have no expiration dates. Approximately $378.9 million of the remaining deferred tax assets relate to federal net operating losses which expire in years beginning in 2028 through 2032. Additionally, $54.0 million of the deferred tax assets relate to state NOLs which will expire in installments annually through the tax year 2034. Tax credit carryforwards at September 30, 2014 include federal alternative minimum tax credits totaling $25.3 million, which have an unlimited carryforward period. Other federal and state tax credits at September 30, 2014 total $27.1 million and have expiration dates through the tax year 2034.

The valuation allowance could fluctuate in future periods based on management's assessment of the positive and negative evidence. Management's conclusion at September 30, 2014 that it is more likely than not that the net deferred tax assets of $656.2 million will be realized is based upon management's estimate of future taxable income. Management's estimate of future taxable income is based on internal projections which consider historical performance, various internal estimates and assumptions, as well as certain external data, all of which management believes to be reasonable although inherently subject to significant judgment. If actual results differ significantly from the current estimates of future taxable income, the valuation allowance may need to be increased. Such an increase to the deferred tax asset valuation allowance could have a material adverse effect on Synovus' financial condition or results of operations.

Synovus is subject to income taxation in the United States and various state jurisdictions.  Synovus' federal income tax return is filed on a consolidated basis, while state income tax returns are filed on both a consolidated and separate entity basis. Currently, no years for which Synovus filed a Federal income tax return are under examination by the IRS. A state tax examination by the Tennessee Department of Revenue is currently in progress. Synovus is no longer subject to income tax examinations by the IRS for years before 2010, and excluding certain limited exceptions, Synovus is no longer subject to income tax examinations by state and local income tax authorities for years before 2009. Although Synovus is unable to determine the ultimate outcome of current and future examinations, Synovus believes that the liability recorded for uncertain tax positions is adequate.

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Investment Securities (Narrative) (Details) (USD $)	9 Months Ended
	Sep. 30, 2014 securities	Dec. 31, 2013
Investments [Abstract]
Pledged to secure deposits	$ 1,930,000,000	$ 2,330,000,000
Number of investment securities in a loss portion, less than twelve months	10
Number of investment securities in a loss portion, twelve months or longer	50
Other-than-temporary impairment charges	$ 88,000

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Significant Accounting Policies (Policies)

9 Months Ended

Sep. 30, 2014

Significant Accounting Policies [Abstract]

Cash and Cash Equivalents

Cash and cash equivalents consist of cash and due from banks. At September 30, 2014 and December 31, 2013, cash and cash equivalents included $91.3 millionand $104.9 million, respectively, on deposit to meet Federal Reserve Bank requirements. At September 30, 2014 and December 31, 2013, $125 thousand and $375 thousand, respectively, of the due from banks balance was restricted as to withdrawal.

Short-term Investment

Short-term investments consist of interest bearing funds with the Federal Reserve Bank, interest earning deposits with banks, and Federal funds sold and securities purchased under resale agreements. Interest earning deposits with banks include $7.1 million and $11.1 million at September 30, 2014 and December 31, 2013, respectively, which is pledged as collateral in connection with certain letters of credit. Federal funds sold include $68.1 million at September 30, 2014 and $72.2 million at December 31, 2013, which are pledged to collateralize certain derivative instruments. Federal funds sold and securities purchased under resale agreements, and Federal funds purchased and securities sold under repurchase agreements, generally mature in one day.

Recently Adopted Accounting Standards Updates

Effective January 1, 2014, Synovus adopted the provisions of ASU 2013-11, Income Taxes (Topic 740): Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists.This ASU provides guidance on financial statement presentation of an unrecognized tax benefit when a net operating loss carryforward, a similar tax loss, or a tax credit carryforward exists. Income tax accounting guidance did not explicitly address how to present unrecognized tax benefits when a company also has net operating losses or tax credit carryforwards. Previously, most companies presented these unrecognized benefits as a liability (i.e., gross presentation), but some presented the liability as a reduction of their net operating losses or tax credit carryforwards (i.e., net presentation). To address this diversity in practice, the FASB issued ASU 2013-11, requiring unrecognized tax benefits to be offset against a deferred tax asset for a net operating loss carryforward, similar tax loss, or tax credit carryforward except when either (1) a net operating loss carryforward, a similar tax loss, or a tax credit carryforward is not available as of the reporting date under the governing tax law to settle taxes that would result from the disallowance of the tax position, or (2) the entity does not intend to use the deferred tax asset for this purpose (provided that the tax law permits a choice). If either of these conditions exists, an entity should present an unrecognized tax benefit in the financial statements as a liability and should not net the unrecognized tax benefit with a deferred tax asset. Synovus adopted the provisions of ASU 2013-11 effective January 1, 2014. However, because prior to adoption Synovus already presented its unrecognized tax benefits as a reduction of its net operating losses, adoption of ASU 2013-11 did not have a significant impact on its consolidated balance sheet.

Reclassifications

Prior periods' consolidated financial statements are reclassified whenever necessary to conform to the current periods' presentation.

Subsequent Events

Synovus has evaluated for consideration, or disclosure, all transactions, events, and circumstances, subsequent to the date of the consolidated balance sheet and through the date the accompanying unaudited interim consolidated financial statements were issued, and has reflected, or disclosed, those items deemed appropriate within the unaudited interim consolidated financial statements.

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Income Taxes (Narrative) (Details) (USD $)	9 Months Ended
	Sep. 30, 2014	Dec. 31, 2013
Income Tax Contingency [Line Items]
Valuation allowance	$ 15,200,000	$ 14,600,000
Increase in valuation allowance	621,000
Net deferred tax asset	656,151,000	744,646,000
No Expiration Date [Member]
Income Tax Contingency [Line Items]
Net deferred tax asset	186,100,000
Period from Twenty Twety Eight Throught Twenty Thirty Two [Member]
Income Tax Contingency [Line Items]
Operating loss carryforwards, subject to expiration	378,900,000
Period from Twenty Thirteen Through Twenty Thirty Two [Member]
Income Tax Contingency [Line Items]
Operating loss carryforwards, subject to expiration	27,100,000
State and Local Jurisdiction [Member] | Period from Twenty Eighteen Through Twenty Thirty Two [Member]
Income Tax Contingency [Line Items]
Operating loss carryforwards, subject to expiration	54,000,000
Domestic Tax Authority [Member]
Income Tax Contingency [Line Items]
Tax credit carryforwards, alternative minimum tax	$ 25,300,000

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Consolidated Statements of Changes in Equity (Parenthetical) (USD $)	9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013
Statement of Stockholders' Equity [Abstract]
Cash dividends declared on common stock, per share	$ 0.21	$ 0.21

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Consolidated Balance Sheets (Parenthetical) (USD $)	Sep. 30, 2014	Dec. 31, 2013
Common stock, par value (per share)	$ 1.00	$ 1.00
Common stock, shares authorized	342,857,143	342,857,143
Common stock, shares issued	139,877,971	139,720,701
Common stock, shares outstanding	139,064,621	138,907,351
Treasury stock, shares at cost	813,350	813,350
Series C Preferred Stock [Member]
Preferred stock, shares outstanding	5,200,000	5,200,000

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Other Comprehensive Income (Loss)

9 Months Ended

Sep. 30, 2014

Equity [Abstract]

Other Comprehensive Income (Loss)

Note 9 - Other Comprehensive Income (Loss)

The following table illustrates activity within the balances in accumulated other comprehensive income (loss) by component, and is shown for the nine and three months ended September 30, 2014 and 2013.

Changes in Accumulated Other Comprehensive Income (Loss) by Component (Net of Income Taxes)
(in thousands)	Net unrealized gains (losses) on cash flow hedges			Net unrealized gains (losses) on investment securities available for sale		Post-retirement unfunded health benefit		Total
Balance as of December 31, 2013	$	(13,099	)	(28,936	)	777		(41,258	)
Other comprehensive income before reclassifications	—			16,888		243		17,131
Amounts reclassified from accumulated other comprehensive income (loss)	206			(818	)	(88	)	(700	)
Net current period other comprehensive income (loss)	206			16,070		155		16,431
Balance as of September 30, 2014	$	(12,893	)	(12,866	)	932		(24,827	)
Balance as of July 1, 2014	$	(12,962	)	(1,686	)	932		(13,716	)
Other comprehensive income before reclassifications	—			(11,180	)	—		(11,180	)
Amounts reclassified from accumulated other comprehensive income (loss)	69			—		—		69
Net current period other comprehensive income (loss)	69			(11,180	)	—		(11,111	)
Balance as of September 30, 2014	$	(12,893	)	(12,866	)	932		(24,827	)

Changes in Accumulated Other Comprehensive Income (Loss) by Component (Net of Income Taxes)
(in thousands)	Net unrealized gains (losses) on cash flow hedges			Net unrealized gains (losses) on investment securities available for sale		Post-retirement unfunded health benefit		Total
Balance as of December 31, 2012	$	(13,373	)	17,111		363		4,101
Other comprehensive income (loss) before reclassifications	—			(32,698	)	519		(32,179	)
Amounts reclassified from accumulated other comprehensive income (loss)	205			(1,581	)	(60	)	(1,436	)
Net current period other comprehensive income (loss)	205			(34,279	)	459		(33,615	)
Balance as of September 30, 2013	$	(13,168	)	(17,168	)	822		(29,514	)
Balance as of July 1, 2013	$	(13,237	)	(20,689	)	866		(33,060	)
Other comprehensive income (loss) before reclassifications	—			4,212		—		4,212
Amounts reclassified from accumulated other comprehensive income (loss)	69			(691	)	(44	)	(666	)
Net current period other comprehensive income (loss)	69			3,521		(44	)	3,546
Balance as of September 30, 2013	$	(13,168	)	(17,168	)	822		(29,514	)

In accordance with ASC 740-20-45-11(b), a deferred tax asset valuation allowance associated with unrealized gains and losses not recognized in income is charged directly to other comprehensive income (loss). Thus, during the years 2010 and 2011, Synovus recorded a deferred tax asset valuation allowance associated with unrealized gains and losses not recognized in income directly to other comprehensive income (loss) by applying the portfolio approach for allocation of the valuation allowance. Synovus has consistently applied the portfolio approach which treats derivative financial instruments, equity securities, and debt securities as a single portfolio. As of September 30, 2014, the ending balance in net unrealized gains (losses) on cash flow hedges and net unrealized gains (losses) on investment securities available for sale includes unrealized losses of $12.1 million and $13.3 million, respectively, related to the residual tax effects remaining in OCI due to the previously established deferred tax asset valuation allowance. Under the portfolio approach, these unrealized losses are realized at the time the entire portfolio is sold or disposed.

The following table illustrates activity within the reclassifications out of accumulated other comprehensive income (loss), for the nine and three months ended September 30, 2014 and 2013.

Reclassifications out of Accumulated Other Comprehensive Income (Loss)
For the Nine Months Ended September 30, 2014
Details about accumulated other comprehensive income (loss) components	Amount reclassified from accumulated other comprehensive income (loss)			Affected line item in the statement where net income is presented
Net unrealized gains (losses) on cash flow hedges:
Amortization of deferred losses	$	(336	)	Interest expense
	130			Income tax (expense) benefit
	$	(206	)	Reclassifications, net of income taxes
Net unrealized gains (losses) on investment securities available for sale:
Realized gain on sale of securities	$	1,331		Investment securities gains, net
	(513		)	Income tax (expense) benefit
	$	818		Reclassifications, net of income taxes
Post-retirement unfunded health benefit:
Amortization of actuarial gains	$	144		Salaries and other personnel expense
	(56		)	Income tax (expense) benefit
	$	88		Reclassifications, net of income taxes
Reclassifications out of Accumulated Other Comprehensive Income (Loss)
For the Three Months Ended September 30, 2014
Details about accumulated other comprehensive income (loss) components	Amount reclassified from accumulated other comprehensive income (loss)			Affected line item in the statement where net income is presented
Net unrealized gains (losses) on cash flow hedges:
Amortization of deferred losses	$	(112	)	Interest expense
	43			Income tax (expense) benefit
	$	(69	)	Reclassifications, net of income taxes

Reclassifications out of Accumulated Other Comprehensive Income (Loss)
For the Nine Months Ended September 30, 2013
Details about accumulated other comprehensive income (loss) components	Amount reclassified from accumulated other comprehensive income (loss)			Affected line item in the statement where net income is presented
Net unrealized gains (losses) on cash flow hedges:
Amortization of deferred losses	$	(336	)	Interest expense
	131			Income tax (expense) benefit
	$	(205	)	Reclassifications, net of income taxes
Net unrealized gains (losses) on investment securities available for sale:
Realized gain on sale of securities	$	2,571		Investment securities gains, net
	(990		)	Income tax (expense) benefit
	$	1,581		Reclassifications, net of income taxes
Post-retirement unfunded health benefit:
Amortization of actuarial gains	$	98		Salaries and other personnel expense
	(38		)	Income tax (expense) benefit
	$	60		Reclassifications, net of income taxes
Reclassifications out of Accumulated Other Comprehensive Income (Loss)
For the Three Months Ended September 30, 2013
Details about accumulated other comprehensive income (loss) components	Amount reclassified from accumulated other comprehensive income (loss)			Affected line item in the statement where net income is presented
Net unrealized gains (losses) on cash flow hedges:
Amortization of deferred losses	$	(112	)	Interest expense
	43			Income tax (expense) benefit
	$	(69	)	Reclassifications, net of income taxes
Net unrealized gains (losses) on investment securities available for sale:
Realized gain on sale of securities	$	1,124		Investment securities gains, net
	(433		)	Income tax (expense) benefit
	$	691		Reclassifications, net of income taxes
Post-retirement unfunded health benefit:
Amortization of actuarial gains	$	72		Salaries and other personnel expense
	(28		)	Income tax (expense) benefit
	$	44		Reclassifications, net of income taxes

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Document And Entity Information	9 Months Ended
	Sep. 30, 2014	Oct. 31, 2014
Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2014
Document Fiscal Year Focus	2014
Document Fiscal Period Focus	Q3
Entity Registrant Name	SYNOVUS FINANCIAL CORP
Entity Central Index Key	0000018349
Current Fiscal Year End Date	--12-31
Entity Filer Category	Large Accelerated Filer
Entity Common Stock, Shares Outstanding		136,571,459

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Fair Value Accounting

9 Months Ended

Sep. 30, 2014

Fair Value Disclosures [Abstract]

Fair Value Accounting

Note 10 - Fair Value Accounting

Synovus carries various assets and liabilities at fair value based on the fair value accounting guidance under ASC 820 and ASC 825. Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an “exit price”) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date.

Fair Value Hierarchy

Synovus determines the fair value of its financial instruments based on the fair value hierarchy established under ASC 820-10, which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. A financial instrument’s categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the financial instrument's fair value measurement in its entirety. There are three levels of inputs that may be used to measure fair value. The three levels of inputs of the valuation hierarchy are defined below:

Level 1	Quoted prices (unadjusted) in active markets for identical assets and liabilities for the instrument or security to be valued. Level 1 assets include marketable equity securities as well as U.S. Treasury securities that are highly liquid and are actively traded in over-the-counter markets.
Level 2	Observable inputs other than Level 1 quoted prices, such as quoted prices for similar assets and liabilities in active markets, quoted prices in markets that are not active or model-based valuation techniques for which all significant assumptions are derived principally from or corroborated by observable market data. Level 2 assets and liabilities include debt securities with quoted prices that are traded less frequently than exchange-traded instruments and derivative contracts whose value is determined by using a pricing model with inputs that are observable in the market or can be derived principally from or corroborated by observable market data. U.S. Government sponsored agency securities, mortgage-backed securities issued by U.S. Government sponsored enterprises and agencies, obligations of states and municipalities, CMOs issued by U.S. Government sponsored enterprises, and mortgage loans held-for-sale are generally included in this category. Certain private equity investments that invest in publicly traded companies are also considered Level 2 assets.
Level 3	Unobservable inputs that are supported by little, if any, market activity for the asset or liability. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow models and similar techniques, and may also include the use of market prices of assets or liabilities that are not directly comparable to the subject asset or liability. These methods of valuation may result in a significant portion of the fair value being derived from unobservable assumptions that reflect Synovus' own estimates for assumptions that market participants would use in pricing the asset or liability. This category primarily includes collateral-dependent impaired loans, other real estate, and certain private equity investments.

See Note 16 "Fair Value Accounting" to the consolidated financial statements of Synovus' 2013 Form 10-K for a description of valuation methodologies for assets and liabilities measured at fair value on a recurring and non-recurring basis.

Assets and Liabilities Measured at Fair Value on a Recurring Basis

The following table presents all financial instruments measured at fair value on a recurring basis as of September 30, 2014 and December 31, 2013, according to the valuation hierarchy included in ASC 820-10. For equity and debt securities, class was determined based on the nature and risks of the investments.

	September 30, 2014
(in thousands)	Level 1		Level 2	Level 3	Total Assets and Liabilities at Fair Value
Assets
Trading securities:
Mortgage-backed securities issued by U.S. Government agencies	$	—	3,502	—	3,502
Collateralized mortgage obligations issued by   U.S. Government sponsored enterprises	—		3,677	—	3,677
State and municipal securities	—		—	—	—
All other mortgage-backed   securities	—		4,174	—	4,174
Other investments	97		1,255	—	1,352
Total trading securities	$	97	12,608	—	12,705
Mortgage loans held for sale	—		72,333	—	72,333
Investment securities available for sale:
U.S. Treasury securities	42,668		—	—	42,668
U.S. Government agency securities	—		27,469	—	27,469
Securities issued by U.S. Government sponsored enterprises	—		82,327	—	82,327
Mortgage-backed securities issued by U.S. Government agencies	—		177,395	—	177,395
Mortgage-backed securities issued by U.S. Government sponsored enterprises	—		2,316,608	—	2,316,608
Collateralized mortgage obligations issued by U.S. Government agencies or sponsored enterprises	—		373,459	—	373,459
State and municipal securities	—		5,301	—	5,301
Equity securities	6,357		—	—	6,357
Other investments(1)	2,006		14,882	1,785	18,673
Total investment securities available for sale	$	51,031	2,997,441	1,785	3,050,257
Private equity investments	—		1,094	27,232	28,326
Mutual funds held in Rabbi Trusts	10,817		—	—	10,817
Derivative assets:
Interest rate contracts	—		30,184	—	30,184
Mortgage derivatives(2)	—		1,138	—	1,138
Total derivative assets	$	—	31,322	—	31,322
Liabilities
Trading account liabilities	—		6,264	—	6,264
Salary stock units	728		—	—	728
Derivative liabilities:
Interest rate contracts	—		30,689	—	30,689
Mortgage derivatives(2)	—		320	—	320
Visa derivative	—		—	4,021	4,021
Total derivative liabilities	$	—	31,009	4,021	35,030

	December 31, 2013
(in thousands)	Level 1		Level 2	Level 3	Total Assets and Liabilities at Fair Value
Assets
Trading securities:
Collateralized mortgage obligations issued by U.S. Government sponsored enterprises	—		2,465	—	2,465
State and municipal securities	—		429	—	429
All other mortgage-backed securities	—		968	—	968
Other investments	—		2,251	—	2,251
Total trading securities	$	—	6,113	—	6,113
Mortgage loans held for sale	—		45,384	—	45,384
Investment securities available for sale:
U.S. Treasury securities	17,791		—	—	17,791
U.S. Government agency securities	—		34,641	—	34,641
Securities issued by U.S. Government sponsored enterprises	—		113,745	—	113,745
Mortgage-backed securities issued by U.S. Government agencies	—		195,117	—	195,117
Mortgage-backed securities issued by U.S. Government sponsored enterprises	—		2,421,360	—	2,421,360
Collateralized mortgage obligations issued by U.S. Government agencies or sponsored enterprises	—		398,540	—	398,540
State and municipal securities	—		6,889	—	6,889
Equity securities	6,956		—	628	7,584
Other investments(1)	1,969		—	1,722	3,691
Total investment securities available for sale	$	26,716	3,170,292	2,350	3,199,358
Private equity investments	—		1,615	27,745	29,360
Mutual funds held in Rabbi Trusts	11,246		—	—	11,246
Derivative assets:
Interest rate contracts	—		38,482	—	38,482
Mortgage derivatives(2)	—		1,522	—	1,522
Total derivative assets	$	—	40,004	—	40,004
Liabilities
Trading account liabilities	—		1,763	—	1,763
Salary stock units	1,764		—	—	1,764
Derivative liabilities:
Interest rate contracts	—		39,436	—	39,436
Visa derivative	—		—	2,706	2,706
Total derivative liabilities	$	—	39,436	2,706	42,142

⁽¹⁾ Based on an analysis of the nature and risks of these investments, Synovus has determined that presenting these investments as a single asset class is appropriate.

⁽²⁾ Mortgage derivatives consist of customer interest rate lock commitments that relate to the potential origination of mortgage loans, which would be classified as held for sale and forward loan sales commitments with third party investors.

Fair Value Option

Synovus has elected the fair value option for mortgage loans held for sale primarily to ease the operational burdens required to maintain hedge accounting for these loans. Synovus is still able to achieve effective economic hedges on mortgage loans held for sale without the operational time and expense needed to manage a hedge accounting program.

The following table summarizes the difference between the fair value and the unpaid principal balance of mortgage loans held for sale measured at fair value and the changes in fair value of these loans. Mortgage loans held for sale are initially measured at fair value with subsequent changes in fair value recognized in earnings. Changes in fair value were recorded as a component of mortgage banking income in the consolidated statements of income. An immaterial portion of these changes in fair value was attributable to changes in instrument-specific credit risk.

Changes in Fair Value Included in Net Income
	For the Nine Months Ended September 30,			For the Three Months Ended September 30,
(in thousands)	2014	2013		2014		2013
Mortgage loans held for sale	$969	(3,838	)	(813	)	4,092

Mortgage Loans Held for Sale
(in thousands)	As of September 30, 2014		As of December 31, 2013
Fair value	$	72,333	45,384
Unpaid principal balance	70,924		44,943
Fair value less aggregate unpaid principal balance	$	1,409	441

Changes in Level 3 Fair Value Measurements

As noted above, Synovus uses significant unobservable inputs (Level 3) in determining the fair value of assets and liabilities classified as Level 3 in the fair value hierarchy. The table below includes a roll-forward of the amounts on the consolidated balance sheet for the nine and three months ended September 30, 2014 and 2013 (including the change in fair value), for financial instruments of a material nature that are classified by Synovus within Level 3 of the fair value hierarchy and are measured at fair value on a recurring basis. Transfers between fair value levels are recognized at the end of the reporting period in which the associated changes in inputs occur. During the first nine months of 2014 and 2013, Synovus did not have any material transfers between levels in the fair value hierarchy.

	Nine Months Ended September 30,
	2014							2013
(in thousands)	Investment Securities Available for Sale			Private Equity Investments		Other Derivative Contracts, Net		Investment Securities Available for Sale	Private Equity Investments		Other Derivative Contracts, Net
Beginning balance, January 1,	$	2,350		27,745		(2,706	)	$3,178	30,708		(2,956	)
Total gains (losses) realized/unrealized:
Included in earnings*	(88		)	(513	)	(2,731	)	—	(856	)	(801	)
Unrealized gains (losses) included in other comprehensive income	63			—		—		401	—		—
Purchases	—					—		—	—		—
Sales	—			—		—		—	—		—
Issuances	—			—		—		—	—		—
Settlements	(540		)	—		1,416		—	—		1,252
Amortization of discount/premium	—			—		—		—	—		—
Transfers in and/or out of Level 3	—			—		—		—	—		—
Ending balance, September 30,	$	1,785		27,232		(4,021	)	3,579	29,852		(2,505	)
Total net gains (losses) for the nine months included in earnings attributable to the change in unrealized gains (losses) relating to assets and liabilities still held at September 30,	$	(88	)	(513	)	(2,731	)	—	(856	)	(801	)

^* Included in earnings as a component of non-interest income (expense).

	Three Months Ended September 30,
	2014							2013
(in thousands)	Investment Securities Available for Sale			Private Equity Investments		Other Derivative Contracts, Net		Investment Securities Available for Sale	Private Equity Investments	Other Derivative Contracts, Net
Beginning balance, July 1,	$	1,866		27,376		(2,438	)	3,454	29,568	(2,977	)
Total gains (losses) realized/unrealized:
Included in earnings*	—			(144	)	(1,979	)	—	284	—
Unrealized gains (losses) included in other comprehensive income	(81		)	—		—		125	—	—
Purchases	—			—		—		—	—	—
Sales	—			—		—		—	—	—
Issuances	—			—		—		—	—	—
Settlements	—			—		396		—	—	472
Amortization of discount/premium	—			—		—		—	—	—
Transfers in and/or out of Level 3	—			—		—		—	—	—
Ending balance, September 30,	$	1,785		27,232		(4,021	)	3,579	29,852	(2,505	)
Total net gains (losses) for the three months included in earnings attributable to the change in unrealized gains (losses) relating to assets and liabilities still held at September 30,	$	—		(144	)	(1,979	)	—	284	—

^* Included in earnings as a component of non-interest income (expense).

Assets Measured at Fair Value on a Non-recurring Basis

From time to time, certain assets may be recorded at fair value on a non-recurring basis. These non-recurring fair value adjustments typically are a result of the application of lower of cost or fair value accounting or a write-down occurring during the period. For example, if the fair value of an asset in these categories falls below its cost basis, it is considered to be at fair value at the end of the period of the adjustment. The following table presents assets measured at fair value on a non-recurring basis as of the dates indicated for which there was a fair value adjustment during the period, according to the valuation hierarchy included in ASC 820-10.

	September 30, 2014					December 31, 2013
(in thousands)	Level 1		Level 2	Level 3	Total	Level 1	Level 2	Level 3	Total
Impaired loans*	$	—	—	37,790	37,790	—	—	170,693	170,693
Other loans held for sale	—		—	338	338	—	—	9,670	9,670
Other real estate	—		—	25,928	25,928	—	—	50,070	50,070
Other assets held for sale	$	—	—	7,744	7,744	—	—	4,945	4,945

The following table presents fair value adjustments recognized for the nine and three months ended September 30, 2014 and 2013 for the assets measured at fair value on a non-recurring basis.

	Nine Months Ended September 30,			Three Months Ended September 30,
(in thousands)	2014		2013	2014		2013
Impaired loans*	$	20,661	27,624	$	9,380	4,630
Other loans held for sale	285		2,844	285		2,833
Other real estate	7,343		5,919	4,114		1,406
Other assets held for sale	$	7,608	246	$	100	76

^* Impaired loans that are collateral-dependent.

Quantitative Information about Level 3 Fair Value Measurements

The tables below provide an overview of the valuation techniques and significant unobservable inputs used in those techniques to measure financial instruments that are classified within Level 3 of the valuation hierarchy. The range of sensitivities that management utilized in its fair value calculations is deemed acceptable in the industry with respect to the identified financial instruments. The tables below present both the total balance as of the dates indicated for assets measured at fair value on a recurring basis and the assets measured at fair value on a non-recurring basis for which there was a fair value adjustment during the period, according to the valuation hierarchy included in ASC 820-10.

September 30, 2014
(dollars in thousands)	Level 3 Fair Value	Valuation Technique	Significant Unobservable Input	Range (Weighted Average)(1)
Assets measured at fair value on a recurring basis
Investment Securities Available for Sale:
Other Investments:
Trust preferred securities	1,785	Discounted cash flow analysis	Credit spread embedded in discount rate	450-550 bps (500 bps)
Private equity investments	27,232	Individual analysis of each investee company	Multiple factors, including but not limited to, current operations, financial condition, cash flows, evaluation of business management and financial plans, and recently executed financing transactions related to the investee companies	N/A
Visa derivative liability	4,021	Internal valuation	Multiple factors, including but not limited to, management's estimate of the timing and amount of the Covered Litigation settlement, and the resulting payments due to the counterparty under the terms of the contract.	N/A

September 30, 2014
(dollars in thousands)	Level 3 Fair Value		Valuation Technique	Significant Unobservable Input	Range (Weighted Average)(1)
Assets measured at fair value on a non-recurring basis
Collateral dependent impaired loans	$	37,790	Third party appraised value of collateral less estimated selling costs	Discount to appraised value (2) Estimated selling costs	0% - 100% (48%) 0% - 10% (7%)
Other loans held for sale	338		Third party appraised value of collateral less estimated selling costs	Discount to appraised value (2) Estimated selling costs	0% - 23% (23%) 0% - 10% (7%)
Other real estate	25,928		Third party appraised value of collateral less estimated selling costs	Discount to appraised value (2) Estimated selling costs	0% - 38% (16%) 0% - 10% (7%)
Other assets held for sale	7,744		Third party appraised value of collateral less estimated selling costs or BOV	Discount to appraised value (2) Estimated selling costs	0%-100% (69%) 0%-10% (10%)

⁽¹⁾ The range represents management's best estimate of the high and low of the value that would be assigned to a particular input. For assets measured at fair value on a non-recurring basis, the weighted average is the measure of central tendencies; it is not the value that management is using for the asset or liability.

⁽²⁾ Synovus also makes adjustments to the values of the assets listed above for various reasons, including age of the appraisal, information known by management about the property, such as occupancy rates, changes to the physical conditions of the property, and other factors.

December 31, 2013
(dollars in thousands)	Level 3 Fair Value		Valuation Technique	Significant Unobservable Input	Range (Weighted Average)(1)
Assets measured at fair value on a recurring basis
Investment Securities Available for Sale:
Equity securities	$	628	Individual analysis of each investment	Multiple data points, including, but not limited to evaluation of past and projected business performance	N/A(3)
Other Investments:
Trust preferred securities	1,722		Discounted cash flow analysis	Credit spread embedded in discount rate	400-480 bps (441 bps)
Private equity investments	27,745		Individual analysis of each investee company	Multiple factors, including but not limited to, current operations, financial condition, cash flows, evaluation of business management and financial plans, and recently executed company transactions related to the investee companies	N/A
Visa derivative liability	2,706		Internal valuation	Multiple factors, including but not limited to, management's estimate of the timing and amount of the Covered Litigation settlement, and the resulting payments due to the counterparty under the terms of the contract.	N/A

December 31, 2013
(dollars in thousands)	Level 3 Fair Value		Valuation Technique	Significant Unobservable Input	Range (Weighted Average)(1)
Assets measured at fair value on a non-recurring basis
Collateral dependent impaired loans	$	170,693	Third party appraised value of collateral less estimated selling costs	Discount to appraised value (2) Estimated selling costs	0%-65% (25%) 0%-10% (7%)
Other loans held for sale	9,670		Third party appraised value of collateral less estimated selling costs	Discount to appraised value (2) Estimated selling costs	0%-12% (4%) 0%-10% (7%)
Other real estate	50,070		Third party appraised value of collateral less estimated selling costs	Discount to appraised value (2) Estimated selling costs	0%-7% (2%) 0%-10% (7%)
Other assets held for sale	4,945		Third party appraised value of collateral less estimated selling costs or BOV	Discount to appraised value (2) Estimated selling costs	5%-36% (20%) 0%-10% (7%)

⁽¹⁾ The range represents management's best estimate of the high and low of the value that would be assigned to a particular input. For assets measured at fair value on a non-recurring basis, the weighted average is the measure of central tendencies; it is not the value that management is using for the asset or liability.

⁽²⁾ Synovus also makes adjustments to the values of the assets listed above for various reasons, including age of the appraisal, information known by management about the property, such as occupancy rates, changes to the physical conditions of the property, and other factors.

⁽³⁾ The range has not been disclosed due to the wide range of possible values given the methodology used.

Sensitivity Analysis of Level 3 Unobservable Inputs Measured on a Recurring Basis

Included in the fair value estimates of financial instruments carried at fair value on the consolidated balance sheet are those estimated in full or in part using valuation techniques based on assumptions that are not supported by observable market prices, rates, or other inputs. Unobservable inputs are assessed carefully, considering the current economic environment and market conditions. However, by their very nature, unobservable inputs imply a degree of uncertainty in their determination, because they are supported by little, if any, market activity for the related asset or liability.

Investment Securities Available for Sale

For the trust preferred securities in Level 3 assets, raising the credit spread, and raising the discount for lack of liquidity assumptions will result in a lower fair value measurement.

Private Equity Investments

In the absence of quoted market prices, inherent lack of liquidity, and the long-term nature of private equity investments, significant judgment is required to value these investments. The significant unobservable inputs used in the fair value measurement of private equity investments include current operations, financial condition, and cash flows, comparables and private sales, when available; and recently executed financing transactions related to investee companies. Significant increases or decreases in any of these inputs in isolation would result in a significantly lower or higher fair value measurement.

Visa Derivative Liability

The fair value of the Visa derivative contract is determined based on management's estimate of the timing and amount of the Covered Litigation settlement, and the resulting payments due to the counterparty under the terms of the contract. Significant increases (decreases) in any of these inputs in isolation could result in a significantly higher (lower) valuation of the Visa derivative liability.

Fair Value of Financial Instruments

The following table presents the carrying and fair values of financial instruments at September 30, 2014 and December 31, 2013. The fair value represents management’s best estimates based on a range of methodologies and assumptions. For financial instruments that are not recorded at fair value on the balance sheet, such as loans, interest bearing deposits (including brokered deposits), and long-term debt, the amounts disclosed in the notes should not be considered an estimate of the amount that would be realized if all such financial instruments were to be settled immediately. See Note 16 "Fair Value Accounting" to the consolidated financial statements of Synovus' 2013 Form 10-K for a description of valuation methodologies for assets and liabilities measured at fair value on a recurring and non-recurring basis and financial instruments that are not recorded at fair value on the balance sheet.

The carrying and estimated fair values of financial instruments, as well as the level within the fair value hierarchy, as of September 30, 2014 and December 31, 2013 are as follows:

	September 30, 2014
(in thousands)	Carrying Value		Estimated Fair Value	Level 1	Level 2	Level 3
Financial assets
Cash and cash equivalents	$	386,402	386,402	386,402	—	—
Interest bearing funds with Federal Reserve Bank	750,446		750,446	750,446	—	—
Interest earning deposits with banks	13,612		13,612	13,612	—	—
Federal funds sold and securities purchased under resale agreements	70,918		70,918	70,918	—	—
Trading account assets	12,705		12,705	97	12,608	—
Mortgage loans held for sale	72,333		72,333	—	72,333	—
Other loans held for sale	338		338	—	—	338
Investment securities available for sale	3,050,257		3,050,257	51,031	2,997,441	1,785
Private equity investments	28,326		28,326	—	1,094	27,232
Mutual funds held in Rabbi Trusts	10,817		10,817	10,817	—	—
Loans, net of deferred fees and costs	20,588,566		20,334,382	—	—	20,334,382
Derivative assets	31,322		31,322	—	31,322	—
Financial liabilities
Trading account liabilities	6,264		6,264	—	6,264	—
Non-interest bearing deposits	5,813,809		5,813,809	—	5,813,809	—
Interest bearing deposits	15,175,972		15,177,126	—	15,177,126	—
Federal funds purchased and securities sold under repurchase agreements	107,160		107,160	107,160	—	—
Salary stock units	728		728	728	—	—
Long-term debt	2,130,934		2,185,455	—	2,185,455	—
Derivative liabilities	$	35,030	35,030	—	31,009	4,021

	December 31, 2013
(in thousands)	Carrying Value		Estimated Fair Value	Level 1	Level 2	Level 3
Financial assets
Cash and cash equivalents	$	469,630	469,630	469,630	—	—
Interest bearing funds with Federal Reserve Bank	644,528		644,528	644,528	—	—
Interest earning deposits with banks	24,325		24,325	24,325	—	—
Federal funds sold and securities purchased under resale agreements	80,975		80,975	80,975	—	—
Trading account assets	6,113		6,113	—	6,113	—
Mortgage loans held for sale	45,384		45,384	—	45,384	—
Other loans held for sale	10,685		10,685	—	—	10,685
Investment securities available for sale	3,199,358		3,199,358	26,716	3,170,292	2,350
Private equity investments	29,360		29,360	—	1,615	27,745
Mutual funds held in Rabbi Trusts	11,246		11,246	11,246	—	—
Loans, net of deferred fees and costs	20,057,798		19,763,708	—	—	19,763,708
Derivative assets	40,004		40,004	—	40,004	—
Financial liabilities
Trading account liabilities	1,763		1,763	—	1,763	—
Non-interest bearing deposits	5,642,751		5,642,751	—	5,642,751	—
Interest bearing deposits	15,234,039		15,244,020	—	15,244,020	—
Federal funds purchased and securities sold under repurchase agreements	148,132		148,132	148,132	—	—
Salary stock units	1,764		1,764	1,764	—	—
Long-term debt	2,033,141		2,095,720	—	2,095,720	—
Derivative liabilities	$	42,142	42,142	—	39,436	2,706

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Consolidated Statements of Income (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Interest income:
Loans, including fees	$ 217,288	$ 217,982	$ 644,392	$ 650,192
Investment securities available for sale	14,029	13,584	43,775	37,302
Trading account assets	106	155	357	433
Mortgage loans held for sale	701	869	1,719	3,987
Federal Reserve Bank balances	562	814	1,561	2,498
Other earning assets	708	448	2,185	1,343
Total interest income	233,394	233,852	693,989	695,755
Interest expense:
Deposits	13,504	16,354	41,246	48,964
Federal funds purchased and securities sold under repurchase agreements	35	72	186	242
Long-term debt	13,592	13,456	40,728	40,688
Total interest expense	27,131	29,882	82,160	89,894
Net interest income	206,263	203,970	611,829	605,861
Provision for loan losses	3,843	6,761	25,638	55,534
Net interest income after provision for loan losses	202,420	197,209	586,191	550,327
Non-interest income:
Service charges on deposit accounts	20,159	19,426	58,610	58,142
Fiduciary and asset management fees	11,207	10,389	33,536	32,471
Brokerage revenue	7,281	6,636	20,201	21,231
Mortgage banking income	4,665	5,314	13,459	19,569
Bankcard fees	8,182	7,760	24,394	22,662
Investment securities gains, net	0	1,124	1,331	2,571
Other fee income	4,704	5,199	14,495	16,461
(Decrease) increase in fair value of private equity investments, net	(144)	284	(513)	(856)
Gain on sale of Memphis branches, net	0	0	5,789	0
Other non-interest income	7,931	7,446	26,253	21,139
Total non-interest income	63,985	63,578	197,555	193,390
Non-interest expense:
Salaries and other personnel expense	93,870	92,794	279,855	276,190
Net occupancy and equipment expense	26,956	26,475	79,436	77,025
Third-party processing expense	10,044	10,151	29,604	30,446
FDIC insurance and other regulatory fees	8,013	7,639	25,781	24,059
Professional fees	2,526	11,410	18,427	28,922
Advertising expense	7,177	3,114	15,935	6,513
Foreclosed real estate expense, net	9,074	10,359	18,818	28,800
Losses (gains) on other loans held for sale, net	(176)	408	2,050	487
Visa indemnification charges	1,979	0	2,731	801
Restructuring charges	809	687	17,101	7,295
Other operating expenses	33,477	24,291	70,377	70,261
Total non-interest expense	193,749	187,328	560,115	550,799
Income before income taxes	72,656	73,459	223,631	192,918
Income tax expense	25,868	27,765	81,554	72,114
Net income	46,788	45,694	142,077	120,804
Dividends and accretion of discount on preferred stock	2,559	8,506	7,678	38,100
Net income available to common shareholders	$ 44,229	$ 37,188	$ 134,399	$ 82,704
Net income per common share, basic	$ 0.32	$ 0.27	$ 0.97	$ 0.67
Net income per common share, diluted	$ 0.32	$ 0.27	$ 0.96	$ 0.62
Weighted average common shares outstanding, basic	139,043	136,671	138,989	123,652
Weighted average common shares outstanding, diluted	139,726	137,097	139,600	132,476

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Sale of Branches

9 Months Ended

Sep. 30, 2014

Restructuring and Related Activities [Abstract]

Sale of Branches

Note 4 - Sale of Branches

On January 17, 2014, Synovus completed the sale of certain loans, premises, deposits, and other assets and liabilities of the Memphis, Tennessee branches of Trust One Bank, a division of Synovus Bank.  The sale included $89.6 million in total loans and $191.3 million in total deposits.   Results for the nine months ended September 30, 2014 reflect a pre-tax gain, net of associated costs, of $5.8 million relating to this transaction.  

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Reverse Stock Split and Increase in Number of Authorized Common Shares

9 Months Ended

Sep. 30, 2014

Reverse Stock Split and Increase in Number of Authorized Common Shares [Abstract]

Reverse Stock Split and Increase in Number of Authorized Common Shares

Note 3 - Reverse Stock Split and Increase in Number of Authorized Common Shares

On April 24, 2014, at Synovus' 2014 Annual Shareholders' Meeting ("Annual Meeting"), Synovus’ shareholders approved a proposal authorizing Synovus’ Board of Directors to effect a one-for-seven reverse stock split of Synovus’ common stock. Following the Annual Meeting, Synovus’ Board of Directors authorized the one-for-seven reverse stock split.  The reverse stock split became effective on May 16, 2014, and Synovus' shares of common stock began trading on a post-split basis on the New York Stock Exchange (NYSE) at the opening of trading on May 19, 2014. All prior periods presented in this Report have been adjusted to reflect the one-for-seven reverse stock split. Financial information updated by this capital change includes earnings per common share, dividends per common share, stock price per common share, weighted average common shares, outstanding common shares, treasury shares, common stock, additional paid-in capital, and share-based compensation.   

Additionally, on April 24, 2014, Synovus’ shareholders also approved an amendment to Synovus’ articles of incorporation to increase the number of authorized shares of Synovus’ common stock from 1.2 billion shares to 2.4 billion shares. Synovus effected the increase in the number of authorized shares on April 24, 2014. Upon the reverse stock split effective date, the number of Synovus’ authorized shares of common stock were proportionately reduced from 2.4 billion shares to 342.9 million shares.

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Legal Proceedings

9 Months Ended

Sep. 30, 2014

Legal Proceedings Disclosure [Abstract]

Legal Proceedings

Note 15 - Legal Proceedings

Synovus and its subsidiaries are subject to various legal proceedings and claims that arise in the ordinary course of its business. Additionally, in the ordinary course of business, Synovus and its subsidiaries are subject to regulatory examinations, information gathering requests, inquiries and investigations. Synovus, like many other financial institutions, has been the target of numerous legal actions and other proceedings asserting claims for damages and related relief for losses resulting from the recent financial crisis. These actions include claims and counterclaims asserted by individual borrowers related to their loans and allegations of violations of state and federal laws and regulations relating to banking practices, including several purported putative class action matters. In addition to actual damages if Synovus does not prevail in any asserted legal action, credit-related litigation could result in additional write-downs or charge-offs of assets, which could adversely affect Synovus' results of operations during the period in which the write-down or charge-off occurred.

Synovus carefully examines and considers each legal matter, and, in those situations where Synovus determines that a particular legal matter presents loss contingencies that are both probable and reasonably estimable, Synovus establishes an appropriate accrual. An event is considered to be probable if the future event is likely to occur. While the final outcome of any legal proceeding is inherently uncertain, based on the information currently available, advice of counsel and available insurance coverage, management believes that the amounts accrued with respect to legal matters as of September 30, 2014 are adequate. The actual costs of resolving legal claims may be higher or lower than the amounts accrued.

In addition, where Synovus determines that there is a reasonable possibility of a loss in respect of legal matters, including those legal matters described below, Synovus considers whether it is able to estimate the total reasonably possible loss or range of loss. An event is reasonably possible if the chance of the future event or events occurring is more than remote but less than likely. An event is remote if the chance of the future event occurring is slight. In many situations, Synovus may be unable to estimate reasonably possible losses due to the preliminary nature of the legal matters, as well as a variety of other factors and uncertainties. For those legal matters where Synovus is able to estimate a range of reasonably possible losses, management currently estimates the aggregate range from our outstanding litigation, including, without limitation, the matters described below, is from zero to $15 million in excess of the amounts accrued, if any, related to those matters. This estimated aggregate range is based upon information currently available to Synovus, and the actual losses could prove to be higher. As there are further developments in these legal matters, Synovus will reassess these matters, and the estimated range of reasonably possible losses may change as a result of this assessment. Based on Synovus' current knowledge and advice of counsel, management presently does not believe that the liabilities arising from these legal matters will have a material adverse effect on Synovus' consolidated financial condition, results of operations or cash flows. However, it is possible that the ultimate resolution of these legal matters could have a material adverse effect on Synovus' results of operations for any particular period.

Synovus intends to vigorously pursue all available defenses to these legal matters, but will also consider other alternatives, including settlement, in situations where there is an opportunity to resolve such legal matters on terms that Synovus considers to be favorable, including in light of the continued expense and distraction of defending such legal matters. Synovus also maintains insurance coverage, which may (or may not) be available to cover legal fees, or potential losses that might be incurred in connection with the legal matters described below. The above-noted estimated range of reasonably possible losses does not take into consideration insurance coverage which may or may not be available for the respective legal matters.

Securities Class Action

On July 7, 2009, the City of Pompano Beach General Employees' Retirement System filed suit against Synovus, and certain of Synovus' current and former officers, in the United States District Court, Northern District of Georgia (Civil Action File No. 1:09-CV-1811) (the “Securities Class Action”); and on June 11, 2010, Lead Plaintiffs, the Labourers' Pension Fund of Central and Eastern Canada and the Sheet Metal Workers' National Pension Fund, filed an amended complaint alleging that Synovus and the named individual defendants misrepresented or failed to disclose material facts that artificially inflated Synovus' stock price in violation of the federal securities laws. Lead Plaintiffs' allegations are based on purported exposure to Synovus' lending relationship with the Sea Island Company and the impact of such alleged exposure on Synovus' financial condition. Lead Plaintiffs in the Securities Class Action seek damages in an unspecified amount. On October 4, 2013, the Lead Plaintiffs and the Defendants reached a settlement-in-principle to settle the Securities Class Action. Under the settlement in principle, the Defendants shall cause to be paid $11.8 million to the Lead Plaintiffs (the “Securities Class Action Settlement Payment”) in exchange for broad releases, dismissal with prejudice of the Securities Class Action and other material and customary terms and conditions. On March 17, 2014, the Lead Plaintiffs filed a motion with the District Court for preliminary approval of the Securities Class Action Settlement Payment. The District Court granted preliminary approval of the Securities Class Action Settlement Payment on June 4, 2014. The hearing date for the final approval was originally scheduled for October 7, 2014, but has been postponed to November 18, 2014. Synovus expects that, subject to execution of an appropriate release of the Defendants’ insurance carriers and other customary acknowledgments by the Defendants, the Securities Class Action Settlement Payment will be fully covered by insurance. There can be no assurance that the settlement-in-principle will be finally approved by the District Court. In the event the settlement-in-principle of the Securities Class Action is not approved by the District Court and finally settled, Synovus and the individually named defendants collectively intend to vigorously defend themselves against the Securities Class Action.

Overdraft Litigation

Posting Order Litigation

On September 21, 2010, Synovus, Synovus Bank and CB&T were named as defendants in a putative multi-state class action relating to the manner in which Synovus Bank charges overdraft fees to customers (Posting Order Litigation). The case, Childs et al. v. Columbus Bank and Trust et al., was filed in the Northern District of Georgia, Atlanta Division, and asserts claims for breach of contract and breach of the covenant of good faith and fair dealing, unconscionability, conversion and unjust enrichment for alleged injuries suffered by plaintiffs as a result of Synovus Bank's assessment of overdraft charges in connection with its POS/debit and automated-teller machine cards allegedly resulting from the sequence used to post payments to the plaintiffs' accounts. On October 25, 2010, the Childs case was transferred to a multi-district proceeding in the Southern District of Florida. In Re: Checking Account Overdraft Litigation, MDL No. 2036.

On August 23, 2014, Synovus reached a settlement in principle with plaintiffs' counsel to settle the Posting Order Litigation. Under the settlement in principle, Synovus shall cause to be paid $3.75 million plus payment of $150,000 in settlement expenses (the "Posting Order Settlement Payment") in exchange for broad releases, dismissal with prejudice of the Posting Order Litigation and other material and customary terms and conditions. There can be no assurance that the settlement in principle will be approved by the District Court. In the event the settlement in principle of the posting Order Litigation is not approved by the District Court and finally settled, Synovus intends to vigorously defend itself against the Posting Order Litigation.

Assertion of Overdraft Fees as Interest Litigation

Synovus Bank was also named as a defendant in a putative state-wide class action in which the plaintiffs allege that overdraft fees charged to customers constitute interest and, as such, are usurious under Georgia law. The case, Griner et. al. v. Synovus Bank, et. al. was filed in Gwinnett County State Court (State of Georgia) on July 30, 2010, and asserts claims for usury, conversion and money had and received for alleged injuries suffered by the plaintiffs as a result of Synovus Bank's assessment of overdraft charges in connection with its POS/debit and automated-teller machine cards used to access customer accounts ("the Griner Overdraft Litigation"). Plaintiffs contend that such overdraft charges constitute interest and are therefore subject to Georgia usury laws. Synovus Bank contends that such overdraft charges constitute non-interest fees and charges under both federal and Georgia law and are otherwise exempt from Georgia usury limits.

On February 3, 2014, the Gwinnett County State Court (State of Georgia) issued an order preliminarily approving the proposed settlement (the “Griner Settlement”) by and among Synovus Financial Corp. and Synovus Bank (collectively referred to herein as “Synovus”), and the plaintiffs in the Griner Overdraft Litigation. Under the terms of the Griner Settlement, Synovus has agreed to (1) establish a fund to pay eligible class member claims and (2) pay an agreed-upon amount of fees to counsel for the plaintiffs in the Griner Overdraft Litigation. In exchange, each purported class member in the Griner Overdraft Litigation will give Synovus a full and final general release of all claims alleged or that could be alleged in the Griner Overdraft Litigation. The final fairness hearing on the Griner Settlement was held on May 20, 2014, and the Griner Settlement was approved by the Court. Substantially all amounts owed by Synovus pursuant to the Griner Settlement have been paid as of the date of this Report.

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Derivative Instruments

9 Months Ended

Sep. 30, 2014

Summary of Derivative Instruments [Abstract]

Derivative Instruments

Note 11 - Derivative Instruments

As part of its overall interest rate risk management activities, Synovus utilizes derivative instruments to manage its exposure to various types of interest rate risk. These derivative instruments generally consist of interest rate swaps, interest rate lock commitments made to prospective mortgage loan customers, and commitments to sell fixed-rate mortgage loans. Interest rate lock commitments represent derivative instruments since it is intended that such loans will be sold.

Synovus may also utilize interest rate swaps to manage interest rate risks primarily arising from its core banking activities. These interest rate swap transactions generally involve the exchange of fixed and floating interest rate payment obligations without the exchange of underlying principal amounts. Swaps may be designated as either cash flow hedges or fair value hedges, as discussed below. As of September 30, 2014 and December 31, 2013, Synovus had no outstanding interest rate swap contracts utilized to manage interest rate risk.

Synovus is party to master netting arrangements with its dealer counterparties; however, Synovus does not offset assets and liabilities under these arrangements for financial statement presentation purposes.

Counterparty Credit Risk and Collateral

Entering into derivative contracts potentially exposes Synovus to the risk of counterparties’ failure to fulfill their legal obligations, including, but not limited to, potential amounts due or payable under each derivative contract. Notional principal amounts are often used to express the volume of these transactions, but the amounts potentially subject to credit risk are much smaller. Synovus assesses the credit risk of its dealer counterparties by regularly monitoring publicly available credit rating information and other market indicators. Dealer collateral requirements are determined via risk-based policies and procedures and in accordance with existing agreements. Synovus seeks to minimize dealer credit risk by dealing with highly rated counterparties and by obtaining collateral for exposures above certain predetermined limits. Management closely monitors credit conditions within the customer swap portfolio, which management deems to be of higher risk than dealer counterparties. Collateral is secured at origination and credit related fair value adjustments are recorded against the asset value of the derivative as deemed necessary based upon an analysis, which includes consideration of the current asset value of the swap, customer credit rating, collateral value, and customer standing with regards to its swap contractual obligations and other related matters. Such asset values fluctuate based upon changes in interest rates regardless of changes in notional amounts and changes in customer specific risk.

Cash Flow Hedges

Synovus designates hedges of floating rate loans as cash flow hedges. These swaps hedge against the variability of cash flows from specified pools of floating rate prime based loans. Synovus calculates effectiveness of the hedging relationship quarterly using regression analysis. The effective portion of the gain or loss on the derivative instrument is reported as a component of other comprehensive income and reclassified into earnings in the same period or periods during which the hedged transactions affect earnings. Ineffectiveness from cash flow hedges is recognized in the consolidated statements of income as a component of other non-interest income. As of September 30, 2014, there were no cash flow hedges outstanding, and therefore, no cumulative ineffectiveness.

Synovus expects to reclassify from accumulated other comprehensive income (loss) $447 thousand of interest expense during the next twelve months as amortization of deferred losses are recorded.

Synovus did not terminate any cash flow hedges during 2014 or 2013. The remaining unamortized deferred net loss balance of all previously terminated cash flow hedges at September 30, 2014 and December 31, 2013 was $(1.2) million and $(1.6) million, respectively.

Fair Value Hedges

Synovus designates hedges of fixed rate liabilities as fair value hedges. These swaps hedge against the change in fair value of various fixed rate liabilities due to changes in the benchmark interest rate, LIBOR. Synovus calculates effectiveness of the fair value hedges quarterly using regression analysis. Ineffectiveness from fair value hedges is recognized in the consolidated statements of income as a component of other non-interest income. As of September 30, 2014, there were no fair value hedges outstanding, and therefore, no cumulative ineffectiveness.

Synovus did not terminate any fair value hedges during 2014 or 2013. The remaining unamortized deferred net gain balance on all previously terminated fair value hedges at September 30, 2014 and December 31, 2013 was $8.4 millionand $10.7 million, respectively. Synovus expects to reclassify from hedge-related basis adjustment, a component of long-term debt, $3.1 million of the deferred gain balance on previously terminated fair value hedges as a reduction to interest expense during the next twelve months as amortization of deferred gains is recorded.

Customer Related Derivative Positions

Synovus enters into interest rate swap agreements to facilitate the risk management strategies of a small number of commercial banking customers. Synovus mitigates this risk by entering into equal and offsetting interest rate swap agreements with highly rated third party financial institutions. The interest rate swap agreements are free-standing derivatives and are recorded at fair value on Synovus' consolidated balance sheet. Fair value changes are recorded in non-interest income in Synovus' consolidated statements of income. As of September 30, 2014, the notional amount of customer related interest rate derivative financial instruments, including both the customer position and the offsetting position, was $1.08 billion, a decrease of $107.8 million compared to December 31, 2013.

Visa Derivative

In conjunction with the sale of Class B shares of common stock issued by Visa to Synovus as a Visa USA member, Synovus entered into a derivative contract with the purchaser, which provides for settlements between the parties based upon a change in the ratio for conversion of Visa Class B shares to Visa Class A shares. The conversion ratio changes when Visa deposits funds to a litigation escrow established by Visa to pay settlements for certain litigation, for which Visa is indemnified by Visa USA members. The litigation escrow is funded by proceeds from Visa’s conversion of Class B shares. The fair value of the derivative contract was $4.0 million and $2.7 million at September 30, 2014 and December 31, 2013, respectively. The fair value of the derivative contract is determined based on management's estimate of the timing and amount of the Covered Litigation settlement, and the resulting payments due to the counterparty under the terms of the contract.

Mortgage Derivatives

Synovus originates first lien residential mortgage loans for sale into the secondary market and generally does not hold the originated loans for investment purposes. Mortgage loans are sold by Synovus for conversion to securities and the servicing of these loans is generally sold to a third-party servicing aggregator, or Synovus sells the mortgage loans as whole loans to investors either individually or in bulk on a servicing released basis.

Synovus enters into interest rate lock commitments for residential mortgage loans which commit us to lend funds to a potential borrower at a specific interest rate and within a specified period of time. Interest rate lock commitments that relate to the origination of mortgage loans that, if originated, will be held for sale, are considered derivative financial instruments under applicable accounting guidance. Outstanding interest rate lock commitments expose Synovus to the risk that the price of the mortgage loans underlying the commitments may decline due to increases in mortgage interest rates from inception of the rate lock to the funding of the loan.

At September 30, 2014 and December 31, 2013, Synovus had commitments to fund at a locked interest rate, primarily fixed-rate mortgage loans to customers, in the amount of $78.0 million and $65.0 million, respectively. The fair value of these commitments resulted in a gain of $531 thousand and a loss of $682 thousand for the nine months ended September 30, 2014 and 2013, respectively, which was recorded as a component of mortgage banking income in the consolidated statements of income.

At September 30, 2014 and December 31, 2013, outstanding commitments to sell primarily fixed-rate mortgage loans amounted to $105.5 million and $92.0 million, respectively. Such commitments are entered into to reduce the exposure to market risk arising from potential changes in interest rates, which could affect the fair value of mortgage loans held for sale and outstanding rate lock commitments, which guarantee a certain interest rate if the loan is ultimately funded or granted by Synovus as a mortgage loan held for sale. The commitments to sell mortgage loans are at fixed prices and are scheduled to settle at specified dates that generally do not exceed 90 days. The fair value of outstanding commitments to sell mortgage loans resulted in a loss of $(1.2) million for the nine months ended September 30, 2014 and 2013, which was recorded as a component of mortgage banking income in the consolidated statements of income.

Collateral Contingencies

Certain derivative instruments contain provisions that require Synovus to maintain an investment grade credit rating from each of the major credit rating agencies. When Synovus’ credit rating falls below investment grade, these provisions allow the counterparties of the derivative instrument to demand immediate and ongoing full collateralization on derivative instruments in net liability positions and, for certain counterparties, request immediate termination. As Synovus’ current rating is below investment grade, Synovus is required to post collateral, as required by each agreement, against these positions. Additionally, as of June 10, 2013, the CCC became mandatory for certain trades as required under the Dodd-Frank Act. These derivative transactions also carry collateral requirements, both at the inception of the trade, and as the value of each derivative position changes. As trades are migrated to the CCC, dealer counterparty exposure will be reduced, and higher notional amounts of Synovus' derivative instruments will be housed at the CCC, a highly regulated and well-capitalized entity. As of September 30, 2014, collateral totaling $68.1 million consisting of Federal funds sold was pledged to the derivative counterparties, including $3.8 million with the CCC, to comply with collateral requirements.

The impact of derivative instruments on the consolidated balance sheets at September 30, 2014 and December 31, 2013 is presented below.

	Fair Value of Derivative Assets				Fair Value of Derivative Liabilities
(in thousands)	Location on Consolidated Balance Sheet	September 30, 2014		December 31, 2013	Location on Consolidated Balance Sheet	September 30, 2014		December 31, 2013
Derivatives not designated   as hedging instruments:
Interest rate contracts	Other assets	$	30,184	38,482	Other liabilities	$	30,689	39,436
Mortgage derivatives	Other assets	1,138		1,522	Other liabilities	320		—
Visa derivative		—		—	Other liabilities	4,021		2,706
Total derivatives not   designated as hedging   instruments		$	31,322	40,004		$	35,030	42,142

The pre-tax effect of fair value hedges on the consolidated statements of income for the nine and three months ended September 30, 2014 and 2013 is presented below.

	Location of Gain (Loss) Recognized in Income	Gain (Loss) Recognized in Income
(in thousands)		Nine Months Ended September 30,
Derivatives not designated as hedging instruments		2014			2013
Interest rate contracts(1)	Other non-interest income	449			63
Mortgage derivatives(2)	Mortgage banking income	(704		)	(1,865	)
Total		$	(255	)	(1,802	)
	Location of Gain (Loss) Recognized in Income	Gain (Loss) Recognized in Income
(in thousands)		Three Months Ended September 30,
Derivatives not designated as hedging instruments		2014			2013
Interest rate contracts(1)	Other non-interest income	65			221
Mortgage derivatives(2)	Mortgage banking income	51			(6,806	)
Total		$	116		(6,585	)

⁽¹⁾ Gain (loss) represents net fair value adjustments (including credit related adjustments) for customer swaps and offsetting positions.

⁽²⁾ Gain (loss) represents net fair value adjustments recorded for interest rate lock commitments and commitments to sell mortgage loans to third party investors.

During the nine months ended September 30, 2014 and 2013, Synovus also reclassified $2.3 million and $2.5 million, respectively, from hedge-related basis adjustment, a component of long-term debt, as a reduction to interest expense. These deferred gains relate to hedging relationships that have been previously terminated and are reclassified into earnings over the remaining life of the hedged items.

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Loans and Allowance for Loan Losses

9 Months Ended

Sep. 30, 2014

Allowance for Loan and Lease Losses, Adjustments, Net [Abstract]

Loans and Allowance for Loan Losses

Note 7 - Loans and Allowance for Loan Losses

The following is a summary of current, accruing past due, and non-accrual loans by portfolio class as of September 30, 2014 and December 31, 2013.

Current, Accruing Past Due, and Non-accrual Loans
	September 30, 2014
(in thousands)	Current		Accruing 30-89 Days Past Due	Accruing 90 Days or Greater Past Due	Total Accruing Past Due	Non-accrual	Total
Investment properties	$	4,978,360	1,565	142	1,707	38,979	5,019,046
1-4 family properties	1,098,574		9,759	103	9,862	29,118	1,137,554
Land acquisition	546,490		2,085	76	2,161	40,128	588,779
Total commercial real estate	6,623,424		13,409	321	13,730	108,225	6,745,379
Commercial, financial and agricultural	5,935,845		13,659	545	14,204	53,360	6,003,409
Owner-occupied	3,970,755		15,871	230	16,101	26,810	4,013,666
Total commercial and industrial	9,906,600		29,530	775	30,305	80,170	10,017,075
Home equity lines	1,658,917		9,656	524	10,180	16,875	1,685,972
Consumer mortgages	1,574,526		11,615	1,004	12,619	34,759	1,621,904
Credit cards	250,768		1,688	1,397	3,085	—	253,853
Other retail	288,086		2,747	46	2,793	2,353	293,232
Total retail	3,772,297		25,706	2,971	28,677	53,987	3,854,961
Total loans	$	20,302,321	68,645	4,067	72,712	242,382	20,617,415	(1	)
	December 31, 2013
(in thousands)	Current		Accruing 30-89 Days Past Due	Accruing 90 Days or Greater Past Due	Total Accruing Past Due	Non-accrual	Total
Investment properties	$	4,546,439	3,552	40	3,592	66,454	4,616,485
1-4 family properties	1,144,447		6,267	527	6,794	33,819	1,185,060
Land acquisition	549,936		1,100	300	1,400	154,095	705,431
Total commercial real estate	6,240,822		10,919	867	11,786	254,368	6,506,976
Commercial, financial and agricultural	5,812,490		18,985	813	19,798	62,977	5,895,265
Owner-occupied	3,985,705		11,113	129	11,242	39,239	4,036,186
Total commercial and industrial	9,798,195		30,098	942	31,040	102,216	9,931,451
Home equity lines	1,564,578		4,919	136	5,055	17,908	1,587,541
Consumer mortgages	1,460,219		18,068	1,011	19,079	39,770	1,519,068
Credit cards	253,422		1,917	1,507	3,424	—	256,846
Other retail	280,524		2,190	26	2,216	2,038	284,778
Total retail	3,558,743		27,094	2,680	29,774	59,716	3,648,233
Total loans	$	19,597,760	68,111	4,489	72,600	416,300	20,086,660	(2	)

⁽¹⁾Total before net deferred fees and costs of $28.8 million.

⁽²⁾Total before net deferred fees and costs of $28.9 million.

The credit quality of the loan portfolio is summarized no less frequently than quarterly using the standard asset classification system utilized by the federal banking agencies. These classifications are divided into three groups – Not Criticized (Pass), Special Mention, and Classified or Adverse rating (Substandard, Doubtful, and Loss) and are defined as follows:

Pass- loans which are well protected by the current net worth and paying capacity of the obligor (or guarantors, if any) or by the fair value, less cost to acquire and sell in a timely manner, of any underlying collateral.

Special Mention - loans which have potential weaknesses that deserve management's close attention. These loans are not adversely classified and do not expose an institution to sufficient risk to warrant an adverse classification.

Substandard - loans which are inadequately protected by the current net worth and paying capacity of the obligor or by the collateral pledged, if any. Loans with this classification are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.

Doubtful - loans which have all the weaknesses inherent in loans classified as Substandard with the added characteristic that the weaknesses make collection or liquidation in full highly questionable and improbable on the basis of currently known facts, conditions, and values.

Loss - loans which are considered by management to be uncollectible and of such little value that their continuance on the institution's books as an asset, without establishment of a specific valuation allowance or charge-off is not warranted.

In the following tables, retail loans and small business loans are generally assigned a risk grade similar to the classifications described above; however, upon reaching 90 days and 120 days past due, they are generally downgraded to Substandard and Loss, respectively, in accordance with the FFIEC Uniform Retail Credit Classification and Account Management Policy. Additionally, in accordance with the Interagency Supervisory Guidance on Allowance for Loan and Lease Losses Estimation Practices for Loans and Lines of Credit Secured by Junior Liens on 1-4 Family Residential Properties, the risk grade classifications of retail loans (home equity lines and consumer mortgages) secured by junior liens on 1-4 family residential properties also consider available information on the payment status of the associated senior lien with other financial institutions.

Loan Portfolio Credit Exposure by Risk Grade
	September 30, 2014
(in thousands)	Pass		Special Mention	Substandard(1)	Doubtful(2)	Loss		Total
Investment properties	$	4,687,315	197,501	134,230	—	—		5,019,046
1-4 family properties	925,346		99,686	104,994	7,528	—		1,137,554
Land acquisition	460,829		55,707	71,336	907	—		588,779
Total commercial real estate	6,073,490		352,894	310,560	8,435	—		6,745,379
Commercial, financial and agricultural	5,667,272		174,559	151,871	8,562	1,145	(3)	6,003,409
Owner-occupied	3,728,191		124,702	159,502	839	432	(3)	4,013,666
Total commercial and industrial	9,395,463		299,261	311,373	9,401	1,577		10,017,075
Home equity lines	1,661,751		—	19,239	2,090	2,892	(3)	1,685,972
Consumer mortgages	1,577,632		—	42,323	1,610	339	(3)	1,621,904
Credit cards	252,510		—	539	—	804	(4)	253,853
Other retail	289,713		—	3,383	32	104	(3)	293,232
Total retail	3,781,606		—	65,484	3,732	4,139		3,854,961
Total loans	$	19,250,559	652,155	687,417	21,568	5,716		20,617,415	(5	)
	December 31, 2013
(in thousands)	Pass		Special Mention	Substandard(1)	Doubtful(2)	Loss		Total
Investment properties	$	4,197,368	249,890	167,503	1,724	—		4,616,485
1-4 family properties	920,392		126,715	129,599	8,062	292	(3)	1,185,060
Land acquisition	422,054		94,316	186,514	2,547	—		705,431
Total commercial real estate	5,539,814		470,921	483,616	12,333	292		6,506,976
Commercial, financial and agricultural	5,451,369		224,620	208,422	10,764	90	(3)	5,895,265
Owner-occupied	3,714,400		155,097	164,560	2,129	—		4,036,186
Total commercial and industrial	9,165,769		379,717	372,982	12,893	90		9,931,451
Home equity lines	1,559,272		—	25,177	1,314	1,778	(3)	1,587,541
Consumer mortgages	1,475,928		—	40,368	2,485	287	(3)	1,519,068
Credit cards	255,339		—	541	—	966	(4)	256,846
Other retail	281,179		—	3,400	75	124	(3)	284,778
Total retail	3,571,718		—	69,486	3,874	3,155		3,648,233
Total loans	$	18,277,301	850,638	926,084	29,100	3,537		20,086,660	(6	)

⁽¹⁾ Includes $215.1 million and $383.7 million of non-accrual Substandard loans at September 30, 2014 and December 31, 2013, respectively.

⁽²⁾ The loans within this risk grade are on non-accrual status. Commercial loans generally have an allowance for loan losses in accordance with ASC 310, and retail loans generally have an allowance for loan losses equal to 50% of the loan amount.

⁽³⁾ The loans within this risk grade are on non-accrual status and have an allowance for loan losses equal to the full loan amount.

⁽⁴⁾ Represent amounts that were 120 days past due. These credits are downgraded to the Loss category with an allowance for loan losses equal to the full loan amount and are generally charged off upon reaching 181 days past due in accordance with the FFIEC Uniform Retail Credit Classification and Account Management Policy.

⁽⁵⁾Total before net deferred fees and costs of $28.8 million.

⁽⁶⁾Total before net deferred fees and costs of $28.9 million.

The following table details the changes in the allowance for loan losses by loan segment for the nine months ended September 30, 2014 and 2013.

Allowance for Loan Losses and Recorded Investment in Loans
	As Of and For The Nine Months Ended September 30, 2014
(in thousands)	Commercial Real Estate			Commercial & Industrial		Retail		Unallocated		Total
Allowance for loan losses:
Beginning balance	$	127,646		115,435		41,479		23,000		307,560
Allowance for loan losses of sold branches	(281		)	(398	)	(340	)	—		(1,019	)
Charge-offs	(41,139		)	(26,896	)	(19,082	)	—		(87,117	)
Recoveries	8,318			9,562		6,434		—		24,314
Provision (credit) for loan losses	7,445			27,140		14,053		(23,000	)	25,638
Ending balance	$	101,989		124,843		42,544		—		269,376
Ending balance: individually evaluated for impairment	22,107			15,863		1,195		—		39,165
Ending balance: collectively evaluated for impairment	$	79,882		108,980		41,349		—		230,211
Loans:
Ending balance: total loans(1)	$	6,745,379		10,017,075		3,854,961		—		20,617,415
Ending balance: individually evaluated for impairment	317,011			172,860		47,669		—		537,540
Ending balance: collectively evaluated for impairment	$	6,428,368		9,844,215		3,807,292		—		20,079,875
	As Of and For The Nine Months Ended September 30, 2013
(in thousands)	Commercial Real Estate			Commercial & Industrial		Retail		Unallocated		Total
Allowance for loan losses:
Beginning balance	$	167,926		138,495		38,984		28,000		373,405
Charge-offs	(73,825		)	(44,104	)	(27,359	)	—		(145,288	)
Recoveries	11,861			17,266		5,834		—		34,961
Provision (credit) for loan losses	31,221			7,462		21,851		(5,000	)	55,534
Ending balance	$	137,183		119,119		39,310		23,000		318,612
Ending balance: individually evaluated for impairment	50,737			25,194		2,120		—		78,051
Ending balance: collectively evaluated for impairment	$	86,446		93,925		37,190		23,000		240,561
Loans:
Ending balance: total loans(2)	$	6,458,518		9,705,425		3,572,669		—		19,736,612
Ending balance: individually evaluated for impairment	569,128			259,764		53,061		—		881,953
Ending balance: collectively evaluated for impairment	$	5,889,390		9,445,661		3,519,608		—		18,854,659

⁽¹⁾Total before net deferred fees and costs of $28.8 million.

⁽²⁾Total before net deferred fees and costs of $25.0 million.

The following table details the changes in the allowance for loan losses by loan segment for the three months ended September 30, 2014 and 2013.

Allowance for Loan Losses and Recorded Investment in Loans
	As Of and For The Three Months Ended September 30, 2014
(in thousands)	Commercial Real Estate			Commercial & Industrial			Retail		Unallocated	Total
Allowance for loan losses:
Beginning balance	$	104,394		130,814			42,575		—	277,783
Charge-offs	(5,233		)	(11,306		)	(6,222	)	—	(22,761	)
Recoveries	3,099			5,257			2,155		—	10,511
Provision for loan losses	(271		)	78			4,036		—	3,843
Ending balance	$	101,989		124,843			42,544		—	269,376
Ending balance: individually evaluated for impairment	22,107			15,863			1,195		—	39,165
Ending balance: collectively evaluated for impairment	$	79,882		108,980			41,349		—	230,211
Loans:
Ending balance: total loans(1)	$	6,745,379		10,017,075			3,854,961		—	20,617,415
Ending balance: individually evaluated for impairment	317,011			172,860			47,669		—	537,540
Ending balance: collectively evaluated for impairment	$	6,428,368		9,844,215			3,807,292		—	20,079,875
	As Of and For The Three Months Ended September 30, 2013
(in thousands)	Commercial Real Estate			Commercial & Industrial			Retail		Unallocated	Total
Allowance for loan losses:
Beginning balance	$	138,329		133,190			40,361		23,000	334,880
Charge-offs	(9,474		)	(13,871		)	(6,908	)	—	(30,253	)
Recoveries	2,766			2,152			2,306		—	7,224
Provision (credit) for loan losses	5,562			(2,352		)	3,551		—	6,761
Ending balance	$	137,183		$	119,119		39,310		23,000	318,612
Ending balance: individually evaluated for impairment	50,737			25,194			2,120		—	78,051
Ending balance: collectively evaluated for impairment	$	86,446		93,925			37,190		23,000	240,561
Loans:
Ending balance: total loans(2)	$	6,458,518		9,705,425			3,572,669		—	19,736,612
Ending balance: individually evaluated for impairment	569,128			259,764			53,061		—	881,953
Ending balance: collectively evaluated for impairment	$	5,889,390		9,445,661			3,519,608		—	18,854,659

⁽¹⁾Total before net deferred fees and costs of $28.8 million.

⁽²⁾Total before net deferred fees and costs of $25.0 million.

During the first quarter of 2014, Synovus designated $23.0 million of allowance for loan losses that was included in the unallocated component of the allowance for loan losses at December 31, 2013 to the allowance for loan losses allocated to the respective loan segments.  The allocation of the allowance for loan losses to the loan segments related to the qualitative factors evaluated at December 31, 2013 on a total loan portfolio basis and included in the unallocated component of the allowance for loan losses at December 31, 2013.   These qualitative factors consider the inherent risk of loss relating to the following:

• changes in lending policies and procedures, including changes in underwriting standards and collection, charge-off, and recovery practices not considered elsewhere in estimating credit losses

• changes in the volume and severity of past due loans, the volume of non-accrual loans, and the volume and severity of adversely classified or grade loans

• experience, ability, and depth of lending management, loan review personnel, and other relevant staff

• changes in the quality of the loan review function

• national and local economic trends and conditions

• changes in the value of underlying collateral for collateral-dependent loans

• changes in the nature and volume of the loan portfolio

• effects of changes in credit concentrations

• model uncertainty

Management determined that, prospectively, the assessment of these qualitative factors for each loan segment would improve the overall level of precision of the allowance for loan loss estimation process.  The designation of this component of the unallocated allowance to the allocated allowance did not result in a change to the total allowance for loan losses or provision expense for the first quarter of 2014. The allowance for loan losses continues to consist of an allocated component (which includes the qualitative factors noted above as well as the qualitative factors disclosed in Synovus' 2013 Form 10-K) and an unallocated component. Beginning March 31, 2014, the unallocated component relates to risk elements, if any, which are not already included in the allocated allowance.  

The tables below summarize impaired loans (including accruing TDRs) as of September 30, 2014 and December 31, 2013.

Impaired Loans (including accruing TDRs)
	September 30, 2014				Nine Months Ended September 30, 2014		Three Months Ended September 30, 2014
(in thousands)	Recorded Investment		Unpaid Principal Balance	Related Allowance	Average Recorded Investment	Interest Income Recognized	Average Recorded Investment	Interest Income Recognized
With no related allowance recorded
Investment properties	$	33,849	46,096	—	24,949	—	33,167	—
1-4 family properties	4,386		12,251	—	5,984	—	4,151	—
Land acquisition	29,501		76,068	—	31,187	—	29,584	—
Total commercial real estate	67,736		134,415	—	62,120	—	66,902	—
Commercial, financial and agricultural	5,705		12,109	—	9,917	—	6,785	—
Owner-occupied	15,300		17,512	—	21,024	—	17,942	—
Total commercial and industrial	21,005		29,621	—	30,941	—	24,727	—
Home equity lines	—		—	—	—	—	—	—
Consumer mortgages	995		2,065	—	1,471	—	1,869	—
Credit cards	—		—	—	—	—	—	—
Other retail	—		—	—	—	—	—	—
Total retail	995		2,065	—	1,471	—	1,869	—
Total impaired loans with no related allowance recorded	$	89,736	166,101	—	94,532	—	93,498	—
With allowance recorded
Investment properties	117,707		119,560	6,621	141,128	3,034	118,729	961
1-4 family properties	83,797		84,588	10,694	99,038	2,209	87,829	613
Land acquisition	47,771		47,914	4,792	102,880	1,264	48,499	418
Total commercial real estate	249,275		252,062	22,107	343,046	6,507	255,057	1,992
Commercial, financial and agricultural	81,036		85,771	12,532	97,143	1,877	82,271	553
Owner-occupied	70,819		70,842	3,331	83,392	2,029	80,653	601
Total commercial and industrial	151,855		156,613	15,863	180,535	3,906	162,924	1,154
Home equity lines	3,822		3,822	68	3,253	71	3,809	40
Consumer mortgages	37,591		37,591	1,029	40,582	999	39,217	457
Credit cards	—		—	—	—	—	—	—
Other retail	5,261		5,261	98	4,892	228	5,171	88
Total retail	46,674		46,674	1,195	48,727	1,298	48,197	585
Total impaired loans with allowance recorded	$	447,804	455,349	39,165	572,308	11,711	466,178	3,731
Total impaired loans
Investment properties	$	151,556	165,656	6,621	166,077	3,034	151,896	961
1-4 family properties	88,183		96,839	10,694	105,022	2,209	91,980	613
Land acquisition	77,272		123,982	4,792	134,067	1,264	78,083	418
Total commercial real estate	317,011		386,477	22,107	405,166	6,507	321,959	1,992
Commercial, financial and agricultural	86,741		97,880	12,532	107,060	1,877	89,056	553
Owner-occupied	86,119		88,354	3,331	104,416	2,029	98,595	601
Total commercial and industrial	172,860		186,234	15,863	211,476	3,906	187,651	1,154
Home equity lines	3,822		3,822	68	3,253	71	3,809	40
Consumer mortgages	38,586		39,656	1,029	42,053	999	41,086	457
Credit cards	—		—	—	—	—	—	—
Other retail	5,261		5,261	98	4,892	228	5,171	88
Total retail	47,669		48,739	1,195	50,198	1,298	50,066	585
Total impaired loans	$	537,540	621,450	39,165	666,840	11,711	559,676	3,731

Impaired Loans (including accruing TDRs)
	December 31, 2013				Year Ended December 31, 2013
(in thousands)	Recorded Investment		Unpaid Principal Balance	Related Allowance	Average Recorded Investment	Interest Income Recognized
With no related allowance recorded
Investment properties	$	14,218	15,820	—	18,046	—
1-4 family properties	9,679		29,741	—	23,879	—
Land acquisition	30,595		78,470	—	41,007	—
Total commercial real estate	54,492		124,031	—	82,932	—
Commercial, financial and agricultural	13,490		22,312	—	15,355	—
Owner-occupied	24,839		32,626	—	22,472	—
Total commercial and industrial	38,329		54,938	—	37,827	—
Home equity lines	—		—	—	33	—
Consumer mortgages	1,180		2,840	—	1,487	—
Credit cards	—		—	—	—	—
Other retail	—		—	—	4	—
Total retail	1,180		2,840	—	1,524	—
Total impaired loans with no related allowance recorded	$	94,001	181,809	—	122,283	—
With allowance recorded
Investment properties	$	186,058	193,765	8,863	227,073	5,062
1-4 family properties	115,151		117,498	11,135	115,629	3,464
Land acquisition	183,029		202,048	26,789	191,807	2,931
Total commercial real estate	484,238		513,311	46,787	534,509	11,457
Commercial, financial and agricultural	115,532		120,290	15,559	128,680	3,630
Owner-occupied	89,001		94,869	4,459	107,949	3,656
Total commercial and industrial	204,533		215,159	20,018	236,629	7,286
Home equity lines	2,750		2,750	116	4,668	176
Consumer mortgages	44,019		44,019	967	48,674	1,910
Credit cards	—		—	—	—	—
Other retail	7,013		7,013	109	5,555	285
Total retail	53,782		53,782	1,192	58,897	2,371
Total impaired loans with allowance recorded	$	742,553	782,252	67,997	830,035	21,114
Total impaired loans
Investment properties	$	200,276	209,585	8,863	245,119	5,062
1-4 family properties	124,830		147,239	11,135	139,508	3,464
Land acquisition	213,624		280,518	26,789	232,814	2,931
Total commercial real estate	538,730		637,342	46,787	617,441	11,457
Commercial, financial and agricultural	129,022		142,602	15,559	144,035	3,630
Owner-occupied	113,840		127,495	4,459	130,421	3,656
Total commercial and industrial	242,862		270,097	20,018	274,456	7,286
Home equity lines	2,750		2,750	116	4,701	176
Consumer mortgages	45,199		46,859	967	50,161	1,910
Credit cards	—		—	—	—	—
Other retail	7,013		7,013	109	5,559	285
Total retail	54,962		56,622	1,192	60,421	2,371
Total impaired loans	$	836,554	964,061	67,997	952,318	21,114

The average recorded investment in impaired loans was $666.8 million and $559.7 million for the nine and three months ended September 30, 2014, respectively. Excluding accruing TDRs, there was no interest income recognized for the investment in impaired loans for the nine and three months ended September 30, 2014 and 2013. Interest income recognized for accruing TDRs was $11.7 million and $3.7 million, respectively, for the nine and three months ended September 30, 2014 and $16.1 million and $5.2 million, respectively, for the nine and three months ended September 30, 2013 . At September 30, 2014 and December 31, 2013, all impaired loans other than $408.7 million and $574.2 million, respectively, of accruing TDRs, were on non-accrual status.

Concessions provided in a TDR are primarily in the form of providing a below market interest rate given the borrower's credit risk, a period of time generally less than one year with a reduction of required principal and/or interest payments (e.g., interest only for a period of time), or extension of the maturity of the loan generally for less than one year. Insignificant periods of reduction of principal and/or interest payments, or one time deferrals of 3 months or less, are generally not considered to be financial concessions.

The following tables represent, by concession type, the post-modification balance for loans modified or renewed during the nine and three months ended September 30, 2014 and 2013 that were reported as accruing or non-accruing TDRs.

TDRs by Concession Type
	Nine Months Ended September 30, 2014
(in thousands, except contract data)	Number of Contracts	Principal Forgiveness		Below Market Interest Rate	Term Extensions and/or Other Concessions	Total
Investment properties	14	$	—	8,423	5,598	14,021
1-4 family properties	36	—		2,390	3,859	6,249
Land acquisition	15	2,338		4,721	2,688	9,747
Total commercial real estate	65	2,338		15,534	12,145	30,017
Commercial, financial and agricultural	68	60		7,639	16,977	24,676
Owner-occupied	14	—		22,178	14,392	36,570
Total commercial and industrial	82	60		29,818	31,369	61,247
Home equity lines	11	—		1,163	451	1,614
Consumer mortgages	13	—		2,296	315	2,611
Credit cards	—	—		—	—	—
Other retail	17	—		543	385	928
Total retail	41	—		4,002	1,151	5,153
Total TDRs	188	$	2,398	49,354	44,665	96,417	(1	)
	Three Months Ended September 30, 2014
(in thousands, except contract data)	Number of Contracts	Principal Forgiveness		Below Market Interest Rate	Term Extensions and/or Other Concessions	Total
Investment properties	4	$	—	875	3,899	4,774
1-4 family properties	7	—		879	203	1,082
Land acquisition	3	2,338		204	646	3,188
Total commercial real estate	14	2,338		1,958	4,748	9,044
Commercial, financial and agricultural	28	60		3,098	5,280	8,438
Owner-occupied	2	—		2,703	130	2,833
Total commercial and industrial	30	60		5,802	5,410	11,272
Home equity lines	5	—		435	—	435
Consumer mortgages	5	—		543	212	755
Credit cards	—	—		—		—
Other retail	7	—		101	150	251
Total retail	17	—		1,079	362	1,441
Total TDRs	61	$	2,398	8,839	10,520	21,757	(2	)

⁽¹⁾ Net charge-offs of $163 thousand were recorded during the nine months ended September 30, 2014 upon restructuring of these loans.

⁽²⁾ Net charge-offs of $163 thousand were recorded during the three months ended September 30, 2014 upon restructuring of these loans.

TDRs by Concession Type
	Nine Months Ended September 30, 2013
(in thousands, except contract data)	Number of Contracts	Principal Forgiveness	Below Market Interest Rate	Term Extensions and/or Other Concessions	Total
Investment properties	44	—	121,263	4,372	125,635
1-4 family properties	99	424	28,863	8,629	37,916
Land acquisition	26	74	113,627	9,763	123,464
Total commercial real estate	169	498	263,753	22,764	287,015
Commercial, financial and agricultural	85	183	21,600	12,675	34,458
Owner-occupied	51	—	21,571	22,935	44,506
Total commercial and industrial	136	183	43,171	35,610	78,964
Home equity lines	1	—	—	80	80
Consumer mortgages	123	—	10,230	4,004	14,234
Credit cards	—	—	—	—	—
Other retail	56	—	879	1,424	2,303
Total retail	180	—	11,109	5,508	16,617
Total TDRs	485	681	318,033	63,882	382,596	(1	)
	Three Months Ended September 30, 2013
(in thousands, except contract data)	Number of Contracts	Principal Forgiveness	Below Market Interest Rate	Term Extensions and/or Other Concessions	Total
Investment properties	13	—	74,111	—	74,111
1-4 family properties	41	—	4,832	2,133	6,965
Land acquisition	10	—	108,295	2,532	110,827
Total commercial real estate	64	—	187,238	4,665	191,903
Commercial, financial and agricultural	16	—	3,152	2,737	5,889
Owner-occupied	12	—	5,575	7,940	13,515
Total commercial and industrial	28	—	8,727	10,677	19,404
Home equity lines	—	—	—	—	—
Consumer mortgages	39	—	3,106	966	4,072
Credit cards	—	—	—	—	—
Other retail	18	—	419	396	815
Total retail	57	—	3,525	1,362	4,887
Total TDRs	149	—	199,490	16,704	216,194	(2	)

⁽¹⁾ Net charge-offs of $199 thousand were recorded during the nine months ended September 30, 2013 upon restructuring of these loans.

⁽²⁾ Net charge-offs of $146 thousand were recorded during the three months ended September 30, 2013 upon restructuring of these loans.

The following table presents TDRs that defaulted in the periods indicated and which were modified or renewed in a TDR within 12 months of the default date.

Troubled Debt Restructurings Entered Into That Subsequently Defaulted* During
	Nine Months Ended September 30, 2014			Three Months Ended September 30, 2014
(in thousands, except contract data)	Number of Contracts	Recorded Investment		Number of Contracts	Recorded Investment
Investment properties	1	$	186	—	$	—
1-4 family properties	3	1,018		—	—
Land acquisition	1	428		—	—
Total commercial real estate	5	1,632		—	—
Commercial, financial and agricultural	4	1,559		2	181
Owner-occupied	—	—		—	—
Total commercial and industrial	4	1,559		2	181
Home equity lines	—	—		—	—
Consumer mortgages	3	206		2	136
Credit cards	—	—		—	—
Other retail	—	—		—	—
Total retail	3	206		2	136
Total TDRs	12	$	3,397	4	$	317

^* Default is defined as the earlier of the troubled debt restructuring being placed on non-accrual status or reaching 90 days past due with respect to principal and/or interest payments.

Troubled Debt Restructurings Entered Into That Subsequently Defaulted* During
	Nine Months Ended September 30, 2013			Three Months Ended September 30, 2013
(in thousands, except contract data)	Number of Contracts	Recorded Investment		Number of Contracts	Recorded Investment
Investment properties	2	$	4,519	—	$	—
1-4 family properties	9	12,374		1	1,620
Land acquisition	1	126		—	—
Total commercial real estate	12	17,019		1	1,620
Commercial, financial and agricultural	3	409		—	—
Owner-occupied	2	924		—	—
Total commercial and industrial	5	1,333		—	—
Home equity lines	1	98		1	98
Consumer mortgages	15	1,195		2	217
Credit cards	—	—		—	—
Other retail	1	195		—	—
Total retail	17	1,488		3	315
Total TDRs	34	$	19,840	4	$	1,935

^* Default is defined as the earlier of the troubled debt restructuring being placed on non-accrual status or reaching 90 days past due with respect to principal and/or interest payments.

If, at the time a loan was designated as a TDR, the loan was not already impaired, the measurement of impairment that resulted from the TDR designation changes from a general pool-level reserve to a specific loan measurement of impairment in accordance with ASC 310-10-35. Generally, the change in the allowance for loan losses resulting from such TDR designation is not significant. At September 30, 2014, the allowance for loan losses allocated to accruing TDRs totaling $408.7 million was $22.7 million compared to accruing TDRs of $556.4 million with an allocated allowance for loan losses of $27.7 million at December 31, 2013. Non-accrual, non-homogeneous loans (commercial-type impaired loans greater than $1 million) that are designated as TDRs, are individually measured for the amount of impairment, if any, both before and after the TDR designation.

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Fair Value Accounting (Carrying And Estimated Fair Values Of Financial Instruments Carried On Balance Sheet) (Details) (USD $) In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	$ 386,402	$ 469,630
Interest bearing funds with Federal Reserve Bank	750,446	644,528
Interest earning deposits with banks	13,612	24,325
Federal funds sold and securities purchased under resale agreements	70,918	80,975
Trading account assets	12,705	6,113
Mortgage loans held for sale	72,333	45,384
Other loans held for sale	338	10,685
Investment securities available for sale	3,050,257	3,199,358
Loans, net	20,319,190	19,750,238
Non-interest bearing deposits	5,813,809	5,642,751
Federal funds purchased and securities sold under repurchase agreements	107,160	148,132
Long-term debt	2,130,934	2,033,141
Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	386,402	469,630
Interest bearing funds with Federal Reserve Bank	750,446	644,528
Interest earning deposits with banks	13,612	24,325
Federal funds sold and securities purchased under resale agreements	70,918	80,975
Trading account assets	97	0
Mortgage loans held for sale	0	0
Other loans held for sale	0	0
Investment securities available for sale	51,031	26,716
Private equity investments	0	0
Mutual funds held in Rabbi Trusts	10,817	11,246
Loans, net	0	0
Derivative asset positions	0	0
Trading account liabilities	0	0
Non-interest bearing deposits	0	0
Interest bearing deposits	0	0
Federal funds purchased and securities sold under repurchase agreements	107,160	148,132
Salary stock units	728	1,764
Long-term debt	0	0
Derivative liability positions	0	0
Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	0	0
Interest bearing funds with Federal Reserve Bank	0	0
Interest earning deposits with banks	0	0
Federal funds sold and securities purchased under resale agreements	0	0
Trading account assets	12,608	6,113
Mortgage loans held for sale	72,333	45,384
Other loans held for sale	0	0
Investment securities available for sale	2,997,441	3,170,292
Private equity investments	1,094	1,615
Mutual funds held in Rabbi Trusts	0	0
Loans, net	0	0
Derivative asset positions	31,322	40,004
Trading account liabilities	6,264	1,763
Non-interest bearing deposits	5,813,809	5,642,751
Interest bearing deposits	15,177,126	15,244,020
Federal funds purchased and securities sold under repurchase agreements	0	0
Salary stock units	0	0
Long-term debt	2,185,455	2,095,720
Derivative liability positions	31,009	39,436
Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	0	0
Interest bearing funds with Federal Reserve Bank	0	0
Interest earning deposits with banks	0	0
Federal funds sold and securities purchased under resale agreements	0	0
Trading account assets	0	0
Mortgage loans held for sale	0	0
Other loans held for sale	338	10,685
Investment securities available for sale	1,785	2,350
Private equity investments	27,232	27,745
Mutual funds held in Rabbi Trusts	0	0
Loans, net	20,334,382	19,763,708
Derivative asset positions	0	0
Trading account liabilities	0	0
Non-interest bearing deposits	0	0
Interest bearing deposits	0	0
Federal funds purchased and securities sold under repurchase agreements	0	0
Salary stock units	0	0
Long-term debt	0	0
Derivative liability positions	4,021	2,706
Carrying Value [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	386,402	469,630
Interest bearing funds with Federal Reserve Bank	750,446	644,528
Interest earning deposits with banks	13,612	24,325
Federal funds sold and securities purchased under resale agreements	70,918	80,975
Trading account assets	12,705	6,113
Mortgage loans held for sale	72,333	45,384
Other loans held for sale	338	10,685
Investment securities available for sale	3,050,257	3,199,358
Private equity investments	28,326	29,360
Mutual funds held in Rabbi Trusts	10,817	11,246
Loans, net	20,588,566	20,057,798
Derivative asset positions	31,322	40,004
Trading account liabilities	6,264	1,763
Non-interest bearing deposits	5,813,809	5,642,751
Interest bearing deposits	15,175,972	15,234,039
Federal funds purchased and securities sold under repurchase agreements	107,160	148,132
Salary stock units	728	1,764
Long-term debt	2,130,934	2,033,141
Derivative liability positions	35,030	42,142
Estimated Fair Value [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	386,402	469,630
Interest bearing funds with Federal Reserve Bank	750,446	644,528
Interest earning deposits with banks	13,612	24,325
Federal funds sold and securities purchased under resale agreements	70,918	80,975
Trading account assets	12,705	6,113
Mortgage loans held for sale	72,333	45,384
Other loans held for sale	338	10,685
Investment securities available for sale	3,050,257	3,199,358
Private equity investments	28,326	29,360
Mutual funds held in Rabbi Trusts	10,817	11,246
Loans, net	20,334,382	19,763,708
Derivative asset positions	31,322	40,004
Trading account liabilities	6,264	1,763
Non-interest bearing deposits	5,813,809	5,642,751
Interest bearing deposits	15,177,126	15,244,020
Federal funds purchased and securities sold under repurchase agreements	107,160	148,132
Salary stock units	728	1,764
Long-term debt	2,185,455	2,095,720
Derivative liability positions	$ 35,030	$ 42,142

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Investment Securities

9 Months Ended

Sep. 30, 2014

Investments [Abstract]

Investment Securities

Note 5 - Investment Securities

The amortized cost, gross unrealized gains and losses, and estimated fair values of investment securities available for sale at September 30, 2014 and December 31, 2013 are summarized below.

	September 30, 2014
(in thousands)	Amortized Cost(1)		Gross Unrealized Gains	Gross Unrealized Losses		Fair Value
U.S. Treasury securities	$	42,627	41	—		42,668
U.S. Government agency securities	26,435		1,034	—		27,469
Securities issued by U.S. Government sponsored enterprises	81,549		778	—		82,327
Mortgage-backed securities issued by U.S. Government agencies	176,254		2,074	(933	)	177,395
Mortgage-backed securities issued by U.S. Government sponsored enterprises	2,323,561		13,516	(20,469	)	2,316,608
Collateralized mortgage obligations issued by U.S. Government agencies or sponsored enterprises	371,656		4,052	(2,249	)	373,459
State and municipal securities	5,099		204	(2	)	5,301
Equity securities	3,228		3,129	—		6,357
Other investments	19,110		—	(437	)	18,673
Total investment securities available for sale	$	3,049,519	24,828	(24,090	)	3,050,257
	December 31, 2013
(in thousands)	Amortized Cost(1)		Gross Unrealized Gains	Gross Unrealized Losses		Fair Value
U.S. Treasury securities	$	17,791	—	—		17,791
U.S. Government agency securities	33,480		1,161	—		34,641
Securities issued by U.S. Government sponsored enterprises	112,305		1,440	—		113,745
Mortgage-backed securities issued by U.S. Government agencies	196,521		2,257	(3,661	)	195,117
Mortgage-backed securities issued by U.S. Government sponsored enterprises	2,443,282		9,718	(31,640	)	2,421,360
Collateralized mortgage obligations issued by U.S. Government agencies or sponsored enterprises	406,717		698	(8,875	)	398,540
State and municipal securities	6,723		168	(2	)	6,889
Equity securities	3,856		3,728	—		7,584
Other investments	4,074		—	(383	)	3,691
Total investment securities available for sale	$	3,224,749	19,170	(44,561	)	3,199,358

⁽¹⁾  Amortized cost is adjusted for other-than-temporary impairment charges in 2014 and 2013, which have been recognized in the consolidated statements of income in the applicable year, and were considered inconsequential.

At September 30, 2014 and December 31, 2013, investment securities with a carrying value of $1.93 billion and $2.33 billion respectively, were pledged to secure certain deposits and securities sold under repurchase agreements as required by law and contractual agreements.

Synovus has reviewed investment securities that are in an unrealized loss position as of September 30, 2014 and December 31, 2013 for OTTI and does not consider any securities in an unrealized loss position to be other-than-temporarily impaired. If Synovus intended to sell a security in an unrealized loss position, the entire unrealized loss would be reflected in income. Synovus does not intend to sell investment securities in an unrealized loss position prior to the recovery of the unrealized loss, which may be until maturity, and has the ability and intent to hold those securities for that period of time. Additionally, Synovus is not currently aware of any circumstances which will require it to sell any of the securities that are in an unrealized loss position.

Declines in the fair value of available for sale securities below their cost that are deemed to have OTTI are reflected in earnings as realized losses to the extent the impairment is related to credit losses. The amount of the impairment related to other factors is recognized in other comprehensive income. Currently, unrealized losses on debt securities are attributable to increases in interest rates on comparable securities from the date of purchase. Synovus regularly evaluates its investment securities portfolio to ensure that there are no conditions that would indicate that unrealized losses represent OTTI. These factors include the length of time the security has been in a loss position, the extent that the fair value is below amortized cost, and the credit standing of the issuer. As of September 30, 2014, Synovus had ten investment securities in a loss position for less than twelve months and fifty investment securities in a loss position for twelve months or longer.

Gross unrealized losses on investment securities and the fair value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, at September 30, 2014 and December 31, 2013, are presented below.

	September 30, 2014
	Less than 12 Months			12 Months or Longer		Total
(in thousands)	Fair Value		Gross Unrealized Losses	Fair Value	Gross Unrealized Losses	Fair Value	Gross Unrealized Losses
U.S. Treasury securities	$	—	—	—	—	—	—
U.S. Government agency securities	—		—	—	—	—	—
Securities issued by U.S. Government sponsored enterprises	—		—	—	—	—	—
Mortgage-backed securities issued by U.S. Government agencies	9,678		14	29,955	919	39,633	933
Mortgage-backed securities issued by U.S. Government sponsored enterprises	220,542		562	1,099,220	19,907	1,319,762	20,469
Collateralized mortgage obligations issued by U.S. Government agencies or sponsored enterprises	—		—	122,239	2,249	122,239	2,249
State and municipal securities	—		—	43	2	43	2
Equity securities	—		—	—	—	—	—
Other investments	16,889		221	1,784	216	18,673	437
Total	$	247,109	797	1,253,241	23,293	1,500,350	24,090
	December 31, 2013
	Less than 12 Months			12 Months or Longer		Total
(in thousands)	Fair Value		Gross Unrealized Losses	Fair Value	Gross Unrealized Losses	Fair Value	Gross Unrealized Losses
U.S. Treasury securities	$	—	—	—	—	—	—
U.S. Government agency securities	—		—	—	—	—	—
Securities issued by U.S. Government sponsored enterprises	—		—	—	—	—	—
Mortgage-backed securities issued by U.S. Government agencies	121,607		3,363	2,951	298	124,558	3,661
Mortgage-backed securities issued by U.S. Government sponsored enterprises	1,885,521		31,640	—	—	1,885,521	31,640
Collateralized mortgage obligations issued by U.S. Government agencies or sponsored enterprises	282,898		8,875	—	—	282,898	8,875
State and municipal securities	—		—	40	2	40	2
Equity securities	—		—	—	—	—	—
Other investments	1,969		105	1,722	278	3,691	383
Total	$	2,291,995	43,983	4,713	578	2,296,708	44,561

The amortized cost and fair value by contractual maturity of investment securities available for sale at September 30, 2014 are shown below. The expected life of mortgage-backed securities or CMOs may differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. For purposes of the maturity table, mortgage-backed securities and CMOs, which are not due at a single maturity date, have been classified based on the final contractual maturity date.

	Distribution of Maturities at September 30, 2014
(in thousands)	Within One Year		1 to 5 Years	5 to 10 Years	More Than 10 Years	No Stated Maturity	Total
Amortized Cost
U.S. Treasury securities	$	17,793	24,834	—	—	—	42,627
U.S. Government agency securities	78		12,577	13,780	—	—	26,435
Securities issued by U.S. Government sponsored enterprises	—		81,549	—	—	—	81,549
Mortgage-backed securities issued by U.S. Government agencies	5		1	—	176,248	—	176,254
Mortgage-backed securities issued by U.S. Government sponsored enterprises	431		1,605	1,926,129	395,396	—	2,323,561
Collateralized mortgage obligations issued by U.S. Government agencies or sponsored enterprises	—		—	—	371,656	—	371,656
State and municipal securities	100		1,971	289	2,739	—	5,099
Equity securities	—		—	—	—	3,228	3,228
Other investments	—		—	—	17,000	2,110	19,110
Total amortized cost	$	18,407	122,537	1,940,198	963,039	5,338	3,049,519
Fair Value
U.S. Treasury securities	$	17,793	24,875	—	—	—	42,668
U.S. Government agency securities	80		13,014	14,375	—	—	27,469
Securities issued by U.S. Government sponsored enterprises	—		82,327	—	—	—	82,327
Mortgage-backed securities issued by U.S. Government agencies	5		1	—	177,389	—	177,395
Mortgage-backed securities issued by U.S. Government sponsored enterprises	456		1,707	1,912,088	402,357	—	2,316,608
Collateralized mortgage obligations issued by U.S. Government agencies or sponsored enterprises	—		—	—	373,459	—	373,459
State and municipal securities	100		2,009	305	2,887	—	5,301
Equity securities	—		—	—	—	6,357	6,357
Other investments	—		—	—	16,666	2,007	18,673
Total fair value	$	18,434	123,933	1,926,768	972,758	8,364	3,050,257

Proceeds from sales, gross gains, and gross losses on sales of securities available for sale for the nine and three months ended September 30, 2014 and 2013 are presented below. Other-than-temporary impairment charges of $88 thousand are included in gross realized losses for the nine months ended September 30, 2014. The specific identification method is used to reclassify gains and losses out of other comprehensive income at the time of sale.

	Nine Months Ended September 30,					Three Months Ended September 30,
(in thousands)	2014			2013		2014	2013
Proceeds from sales of investment securities available for sale	$	20,815		$403,792		—	56,406
Gross realized gains	1,419			3,185		—	1,150
Gross realized losses	(88		)	(614	)	—	(26	)
Investment securities gains, net	$	1,331		2,571		—	1,124

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Restructuring Charges

9 Months Ended

Sep. 30, 2014

Restructuring Charges [Abstract]

Restructuring Charges

Note 6 - Restructuring Charges

For the nine and three months ended September 30, 2014 and 2013 total restructuring charges are as follows:

	Nine Months Ended September 30,				Three Months Ended September 30,
(in thousands)	2014		2013		2014		2013
Severance charges	$	8,046	7,311		$	—	701
Asset impairment charges	7,374		—		36		—
Professional fees and other charges	1,681		(16	)	773		(14	)
Total restructuring charges	$	17,101	7,295		$	809	687

In January 2014, Synovus announced the planned implementation during 2014 of new expense savings initiatives. The initiatives include planned workforce reductions as well as planned reductions in occupancy expenses. Synovus began to implement these initiatives during the first quarter of 2014, undertaking the first targeted staff reductions. As a result of these actions, Synovus recorded aggregate restructuring charges of $8.6 million during the three months ended March 31, 2014, consisting primarily of $8.0 million in severance charges related to employees identified for involuntary termination. These termination benefits are provided under an ongoing benefit arrangement as defined in ASC 712, Compensation-Nonretirement Postemployment Benefits; accordingly, the charges were recorded pursuant to the liability recognition criteria of ASC 712. Additionally, during the second quarter of 2014, upon management's decision to close 13 branches across the five-state footprint during the fourth quarter of 2014, Synovus recorded asset impairment charges of $7.4 million. During the third quarter of 2014, Synovus recorded restructuring charges of $809 thousand primarily for professional fees related to organizational restructuring. Restructuring charges for the fourth quarter of 2014 are expected to include approximately $6 million in charges related to operating lease exit costs associated with the branch closings which were completed in October 2014.

Severance charges recorded during the nine months ended September 30, 2013 relate to involuntary terminations in connection with previously announced efficiency initiatives. These termination benefits were provided under a one-time benefit arrangement as defined in ASC 420, Exit or Disposal Costs or Obligations; accordingly, the charges were recorded pursuant to the liability recognition criteria of ASC 420.

At September 30, 2014, the liability for restructuring activities was $5.1 million, and consisted primarily of involuntary termination benefits.

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Other Real Estate

9 Months Ended

Sep. 30, 2014

Other Real Estate, Foreclosed Assets, and Repossessed Assets [Abstract]

Other Real Estate

Note 8 - Other Real Estate

ORE consists of properties obtained through a foreclosure proceeding or through an in-substance foreclosure in satisfaction of loans. In accordance with provisions of ASC 310-10-35 regarding subsequent measurement of loans for impairment and ASC 310-40-15 regarding accounting for troubled debt restructurings by a creditor, a loan is classified as an in-substance foreclosure when Synovus has taken possession of the collateral regardless of whether formal foreclosure proceedings have taken place.

At foreclosure, ORE is recorded at the lower of cost or fair value less the estimated cost to sell, which establishes a new cost basis. Subsequent to foreclosure, ORE is evaluated quarterly and reported at fair value less estimated costs to sell, not to exceed the new cost basis, determined on the basis of current appraisals, comparable sales, and other estimates of fair value obtained principally from independent sources, adjusted for estimated selling costs. Management also considers other factors or recent developments such as changes in absorption rates or market conditions from the time of valuation and anticipated sales values considering management’s plans for disposition, which could result in an adjustment to lower the collateral value estimates indicated in the appraisals. At the time of foreclosure or initial possession of collateral, any excess of the loan balance over the fair value of the real estate held as collateral, less costs to sell, is recorded as a charge against the allowance for loan losses. Revenue and expenses from ORE operations as well as gains or losses on sales are recorded as foreclosed real estate expense, net, a component of non-interest expense on the consolidated statements of income. Subsequent declines in fair value are recorded on a property-by-property basis through use of a valuation allowance within other real estate on the consolidated balances sheets and valuation adjustment account in foreclosed real estate expense, net, a component of non-interest expense on the consolidated statements of income.

The carrying value of ORE was $81.6 million and $112.6 million at September 30, 2014 and December 31, 2013, respectively. During the nine months ended September 30, 2014 and 2013, $35.5 million and $76.2 million, respectively,of loans and other loans held for sale were foreclosed and transferred to other real estate at fair value less costs to sell. During the nine months ended September 30, 2014 and 2013, Synovus recognized foreclosed real estate expense, net, of $18.8 million and $28.8 million, respectively. These expenses included write-downs for declines in fair value of ORE subsequent to the date of foreclosure and net realized losses resulting from sales transactions totaling $16.7 million and $22.7 million for the nine months ended September 30, 2014 and 2013, respectively.

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Derivative Instruments (Effect Of Fair Value Hedges On Consolidated Statements Of Income) (Details) (Not Designated As Hedging Instruments [Member], USD $) In Thousands, unless otherwise specified	3 Months Ended				9 Months Ended
	Sep. 30, 2014		Sep. 30, 2013		Sep. 30, 2014		Sep. 30, 2013
Derivative [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivative	$ 116		$ (6,585)		$ (255)		$ (1,802)
Other Non-Interest Income [Member] | Interest Rate Contracts [Member]
Derivative [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivative	65	[1]	221	[1]	449	[1]	63	[1]
Mortgage Banking Income [Member] | Mortgage Derivatives [Member]
Derivative [Line Items]
Amount of Gain (Loss) Recognized in Income on Derivative	$ 51	[2]	$ (6,806)	[2]	$ (704)	[2]	$ (1,865)	[2]

[1] Gain (loss) represents net fair value adjustments (including credit related adjustments) for customer swaps and offsetting positions.

[2] Gain (loss) represents net fair value adjustments recorded for interest rate lock commitments and commitments to sell mortgage loans to third party investors.

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Net Income Per Common Share (Narrative) (Details)	0 Months Ended	9 Months Ended				12 Months Ended
	Apr. 24, 2014	Sep. 30, 2014	Sep. 30, 2013	Dec. 31, 2013	May 15, 2013	Dec. 31, 2010 Public Offering [Member] tMEDS [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Stock split, conversion ratio	0.1429
Units issued						13,800,000
Common stock, shares issued		139,877,971		139,720,701	17,600,000
Number of anti-dilutive shares		3,200,000	3,600,000

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Derivative Instruments (Effect Of Cash Flow Hedges On Consolidated Statements Of Income) (Details) (USD $) In Thousands, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Derivative [Line Items]
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI on Derivatives, Net of Tax	$ (69)	$ (69)	$ (206)	$ (205)

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Subsequent Event - Reverse Stock Split and Increase in Number of Authorized Common Shares (Narrative) (Details)	0 Months Ended
	Apr. 24, 2014	Sep. 30, 2014	Apr. 23, 2014	Dec. 31, 2013
Reverse Stock Split and Increase in Number of Authorized Common Shares [Abstract]
Stock split, conversion ratio	0.1429
Common stock, shares authorized	2,400,000,000.0	342,857,143	1,200,000,000.0	342,857,143
Reverse stock splits, shares	342,900,000

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Other Comprehensive Income (Loss) (Narrative) (Details) (USD $) In Thousands, unless otherwise specified	Sep. 30, 2014	Jun. 30, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Dec. 31, 2012
Class of Stock [Line Items]
Accumulated other comprehensive income (loss)	$ (24,827)	$ (13,716)	$ (41,258)	$ (29,514)	$ (33,060)	$ 4,101
Net Unrealized Gains (Losses) on Cash Flow Hedges [Member]
Class of Stock [Line Items]
Accumulated other comprehensive income (loss)	(12,893)	(12,962)	(13,099)	(13,168)	(13,237)	(13,373)
Net Unrealized Gains (Losses) on Cash Flow Hedges [Member] | Valuation Allowance of Deferred Tax Assets [Member]
Class of Stock [Line Items]
Accumulated other comprehensive income (loss)	(12,100)
Net Unrealized Gains (Losses) on Investment Securities Available for Sale [Member]
Class of Stock [Line Items]
Accumulated other comprehensive income (loss)	(12,866)	(1,686)	(28,936)	(17,168)	(20,689)	17,111
Net Unrealized Gains (Losses) on Investment Securities Available for Sale [Member] | Valuation Allowance of Deferred Tax Assets [Member]
Class of Stock [Line Items]
Accumulated other comprehensive income (loss)	$ (13,300)

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Share-based Compensation

9 Months Ended

Sep. 30, 2014

Share-based Compensation [Abstract]

Share-based Compensation

Note 13 - Share-based Compensation

General Description of Share-based Plans

Synovus has a long-term incentive plan under which the Compensation Committee of the Board of Directors has the authority to grant share-based awards to Synovus employees. At September 30, 2014, Synovus had a total of 7,550,907 shares of its authorized but unissued Common Stock reserved for future grants under the 2013 Omnibus Plan. The 2013 Omnibus Plan authorizes 8,571,429 common share equivalents available for grant, where grants of options count as one share equivalent and grants of full value awards (e.g., restricted share units, market restricted share units) count as 2 share equivalents. Any restricted share units that are forfeited and options that expire unexercised will again become available for issuance under the Plan. The Plan permits grants of share-based compensation including stock options, non-vested shares, and restricted share units. The grants generally include vesting periods ranging from two to five years and contractual terms of 10 years. Stock options are granted at exercise prices which equal the fair value of a share of common stock on the grant-date. Synovus has historically issued new shares to satisfy share option exercises and share unit conversions. Dividend equivalents are paid on outstanding restricted share units in the form of additional restricted share units that vest over the same vesting period or the vesting period left on the original restricted share unit grant.

Share-based Compensation Expense

Share-based compensation costs associated with employee grants are recorded as a component of salaries and other personnel expense in the consolidated statements of income. Share-based compensation costs associated with grants made to non-employee directors of Synovus are recorded as a component of other operating expenses. Share-based compensation expense for service-based awards is recognized net of estimated forfeitures for plan participants on a straight-line basis over the vesting period. Total share-based compensation expense was $7.5 million and $2.8 million for the nine and three months ended September 30, 2014 respectively, and $5.8 million and $2.3 million for the nine and three months ended September 30, 2013, respectively.

Stock Options

No stock option grants were made during the nine months ended September 30, 2014. At September 30, 2014, there were 2,615,051 options to purchase shares of Common Stock outstanding with a weighted average exercise price of $44.48.

Restricted Share Units, Performance Share Units, and Market Restricted Share Units

During the nine months ended September 30, 2014, Synovus awarded 407,374 restricted share units that have a service-based vesting period of three years and awarded 67,157 performance share units that vest upon service conditions and performance conditions. Synovus also granted 90,117 market restricted share units during the nine months ended September 30, 2014. The weighted average grant-date fair value of the awarded restricted share units, performance share units and market restricted share units was $23.76 per share. At September 30, 2014, including dividend equivalents granted, there were 1,084,659 restricted share units, performance share units and market restricted share units outstanding with a weighted average grant-date fair value of $20.59.

During the nine months ended September 30, 2014, Synovus also granted 30,786 salary stock units to senior management, which vested and were expensed immediately upon grant. Compensation expense is initially determined based on the number of salary stock units granted and the market price of Common Stock at the grant date. Subsequent to the grant date, compensation expense is recorded for changes in Common Stock market price. The total fair value of salary stock units granted during the nine months ended September 30, 2014 was $728 thousand. The salary stock units granted during 2014 are classified as liabilities and will be settled in cash on January 15, 2015.

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Restructuring Charges (Tables)

9 Months Ended

Sep. 30, 2014

Restructuring Charges [Abstract]

Schedule of Restructuring and Related Costs

For the nine and three months ended September 30, 2014 and 2013 total restructuring charges are as follows:

	Nine Months Ended September 30,				Three Months Ended September 30,
(in thousands)	2014		2013		2014		2013
Severance charges	$	8,046	7,311		$	—	701
Asset impairment charges	7,374		—		36		—
Professional fees and other charges	1,681		(16	)	773		(14	)
Total restructuring charges	$	17,101	7,295		$	809	687

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Loans and Allowance for Loan Losses (Troubled Debt Restructurings That Subsequently Defaulted) (Details) (Troubled Debt Restructurings That Subsequently Defaulted [Member], USD $) In Thousands, unless otherwise specified	3 Months Ended				9 Months Ended
	Sep. 30, 2014 Contract		Sep. 30, 2013 Contract		Sep. 30, 2014 Contract		Sep. 30, 2013 Contract
Financing Receivable, Modifications [Line Items]
Number of Contracts	4	[1]	4	[1]	12	[1]	34	[1]
Recorded Investment	$ 317	[1]	$ 1,935	[1]	$ 3,397	[1]	$ 19,840	[1]
Home Equity Lines [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	0	[1]	1	[1]	0	[1]	1	[1]
Recorded Investment	0	[1]	98	[1]	0	[1]	98	[1]
Consumer Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	2	[1]	2	[1]	3	[1]	15	[1]
Recorded Investment	136	[1]	217	[1]	206	[1]	1,195	[1]
Credit Cards [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	0	[1]	0	[1]	0	[1]	0	[1]
Recorded Investment	0	[1]	0	[1]	0	[1]	0	[1]
Other Retail Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	0	[1]	0	[1]	0	[1]	1	[1]
Recorded Investment	0	[1]	0	[1]	0	[1]	195	[1]
Investment Properties [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	0	[1]	0	[1]	1	[1]	2	[1]
Recorded Investment	0	[1]	0	[1]	186	[1]	4,519	[1]
1-4 Family Properties [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	0	[1]	1	[1]	3	[1]	9	[1]
Recorded Investment	0	[1]	1,620	[1]	1,018	[1]	12,374	[1]
Land Acquisition [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	0	[1]	0	[1]	1	[1]	1	[1]
Recorded Investment	0	[1]	0	[1]	428	[1]	126	[1]
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	0	[1]	1	[1]	5	[1]	12	[1]
Recorded Investment	0	[1]	1,620	[1]	1,632	[1]	17,019	[1]
Commercial, Financial and Agricultural [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	2	[1]	0	[1]	4	[1]	3	[1]
Recorded Investment	181	[1]	0	[1]	1,559	[1]	409	[1]
Owner-Occupied [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	0	[1]	0	[1]	0	[1]	2	[1]
Recorded Investment	0	[1]	0	[1]	0	[1]	924	[1]
Commercial and Industrial [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	2	[1]	0	[1]	4	[1]	5	[1]
Recorded Investment	181	[1]	0	[1]	1,559	[1]	1,333	[1]
Retail [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	2	[1]	3	[1]	3	[1]	17	[1]
Recorded Investment	$ 136	[1]	$ 315	[1]	$ 206	[1]	$ 1,488	[1]

[1] Default is defined as the earlier of the troubled debt restructuring being placed on non-accrual status or reaching 90 days past due with respect to principal and/or interest payments.

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Restructuring Charges (Narrative) (Details) (USD $)	3 Months Ended				9 Months Ended
	Sep. 30, 2014	Jun. 30, 2014 branches	Mar. 31, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Restructuring Cost and Reserve [Line Items]
Restructuring charges	$ 809,000		$ 8,600,000	$ 687,000	$ 17,101,000	$ 7,295,000
Number of branches identified for future closing		13
Asset impairment charges	36,000	7,400,000		0	7,374,000	0
Accrued liabilities	5,100,000				5,100,000
Severance Cost [Member]
Restructuring Cost and Reserve [Line Items]
Restructuring charges			8,000,000
Facility Closing [Member]
Restructuring Cost and Reserve [Line Items]
Additional restructuring charges to be incurred in the fourth quarter	$ 6,000,000				$ 6,000,000

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Consolidated Statements of Comprehensive Income (USD $) In Thousands, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Statement of Comprehensive Income [Abstract]
Net income, Before-tax Amount	$ 72,656	$ 73,459	$ 223,631	$ 192,918
Net income, Tax (Expense) Benefit	(25,868)	(27,765)	(81,554)	(72,114)
Net income, Net of Tax Amount	46,788	45,694	142,077	120,804
Reclassification adjustment for losses realized in net income, Before-tax Amount	112	112	336	336
Reclassification adjustment for losses realized in net income, Tax (Expense) Benefit	(43)	(43)	(130)	(131)
Reclassification adjustment for losses realized in net income, Net of Tax Amount	69	69	206	205
Net unrealized gains/losses on investment securities available for sale: Before-tax Amount
Reclassification adjustment for net gains realized in net income, Before-tax Amount	0	(1,124)	(1,331)	(2,571)
Net unrealized gains (losses) arising during the period, Before-tax Amount	(18,173)	6,849	27,467	(53,166)
Net unrealized gains (losses), Before-tax Amount	(18,173)	5,725	26,136	(55,737)
Net unrealized gains/losses on investment securities available for sale: Tax (Expense) Benefit
Reclassification adjustment for net gains realized in net income, Tax (Expense) Benefit	0	433	513	990
Net unrealized gains (losses) arising during the period, Tax (Expense) Benefit	6,993	(2,637)	(10,579)	20,468
Net unrealized gains (losses), Tax (Expense) Benefit	6,993	(2,204)	(10,066)	21,458
Net unrealized gains/losses on investment securities available for sale: Net of Tax Amount
Reclassification adjustment for net gains realized in net income, Net of Tax Amount	0	(691)	(818)	(1,581)
Net unrealized gains (losses) arising during the period, Net of Tax Amount	(11,180)	4,212	16,888	(32,698)
Net unrealized gains (losses), Net of Tax Amount	(11,180)	3,521	16,070	(34,279)
Post-retirement unfunded health benefit: Before-tax Amount
Reclassification adjustment for (gains) losses realized in net income, Before-tax Amount	0	(72)	(144)	(98)
Actuarial gains arising during the period, Before-tax Amount			395	830
Net unrealized gains, Before-tax Amount			251	732
Post-retirement unfunded health benefit: Tax (Expense) Benefit
Reclassification adjustment for (gains) losses realized in net income, Tax (Expense) Benefit	0	28	56	38
Actuarial gains arising during the period, Tax (Expense) Benefit			(152)	(311)
Net unrealized gains, Tax (Expense) Benefit			(96)	(273)
Post-retirement unfunded health benefit: Net of Tax Amount
Reclassification adjustment for (gains) losses realized in net income, Net of Tax Amount	0	(44)	(88)	(60)
Actuarial gains arising during the period, Net of Tax Amount			243	519
Net unrealized gains, Net of Tax Amount			155	459
Other comprehensive (loss) income, Before-tax Amount	(18,061)	5,765	26,723	(54,669)
Other comprehensive (loss) income, Tax (Expense) Benefit	6,950	(2,219)	(10,292)	21,054
Other comprehensive (loss) income, Net of Tax Amount	(11,111)	3,546	16,431	(33,615)
Comprehensive income, Net of Tax Amount	$ 35,677	$ 49,240	$ 158,508	$ 87,189

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Share Repurchase Program

9 Months Ended

Sep. 30, 2014

Equity [Abstract]

Share Repurchase

Note 2 - Share Repurchase Program

On October 21, 2014, Synovus announced a common stock repurchase program of up to $250 million which will expire on October 23, 2015.

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Fair Value Accounting (Assets Measured at Fair Value on Nonrecurring Basis) (Details) (Fair Value, Measurements, Nonrecurring [Member], USD $) In Thousands, unless otherwise specified	3 Months Ended				9 Months Ended
	Sep. 30, 2014		Sep. 30, 2013		Sep. 30, 2014		Sep. 30, 2013
Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value adjustment	$ 9,380	[1]	$ 4,630	[1]	$ 20,661	[1]	$ 27,624	[1]
Other Loans Held for Sale [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value adjustment	285		2,833		285		2,844
Other Real Estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value adjustment	4,114		1,406		7,343		5,919
Other Assets Held for Sale [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value adjustment	$ 100		$ 76		$ 7,608		$ 246

[1] Impaired loans that are collateral-dependent.

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Legal Proceedings (Details) (USD $)		0 Months Ended
	Sep. 30, 2014	Oct. 04, 2013 Securities Class Action Settlement Payment [Member]	Aug. 23, 2014 Posting Order Litigation Settlement Payment [Member]
Loss Contingencies [Line Items]
Aggregate range of reasonably possible losses, minimum	$ 0
Aggregate range of reasonably possible losses, maximum	15,000,000
Litigation settlement amount		(11,800,000)	(3,750,000)
Litigation settlement expenses			$ 150,000

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Loans and Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 30, 2014

Allowance for Loan and Lease Losses, Adjustments, Net [Abstract]

Schedule of Current, Accruing Past Due, and Nonaccrual Loans

The following is a summary of current, accruing past due, and non-accrual loans by portfolio class as of September 30, 2014 and December 31, 2013.

Current, Accruing Past Due, and Non-accrual Loans
	September 30, 2014
(in thousands)	Current		Accruing 30-89 Days Past Due	Accruing 90 Days or Greater Past Due	Total Accruing Past Due	Non-accrual	Total
Investment properties	$	4,978,360	1,565	142	1,707	38,979	5,019,046
1-4 family properties	1,098,574		9,759	103	9,862	29,118	1,137,554
Land acquisition	546,490		2,085	76	2,161	40,128	588,779
Total commercial real estate	6,623,424		13,409	321	13,730	108,225	6,745,379
Commercial, financial and agricultural	5,935,845		13,659	545	14,204	53,360	6,003,409
Owner-occupied	3,970,755		15,871	230	16,101	26,810	4,013,666
Total commercial and industrial	9,906,600		29,530	775	30,305	80,170	10,017,075
Home equity lines	1,658,917		9,656	524	10,180	16,875	1,685,972
Consumer mortgages	1,574,526		11,615	1,004	12,619	34,759	1,621,904
Credit cards	250,768		1,688	1,397	3,085	—	253,853
Other retail	288,086		2,747	46	2,793	2,353	293,232
Total retail	3,772,297		25,706	2,971	28,677	53,987	3,854,961
Total loans	$	20,302,321	68,645	4,067	72,712	242,382	20,617,415	(1	)
	December 31, 2013
(in thousands)	Current		Accruing 30-89 Days Past Due	Accruing 90 Days or Greater Past Due	Total Accruing Past Due	Non-accrual	Total
Investment properties	$	4,546,439	3,552	40	3,592	66,454	4,616,485
1-4 family properties	1,144,447		6,267	527	6,794	33,819	1,185,060
Land acquisition	549,936		1,100	300	1,400	154,095	705,431
Total commercial real estate	6,240,822		10,919	867	11,786	254,368	6,506,976
Commercial, financial and agricultural	5,812,490		18,985	813	19,798	62,977	5,895,265
Owner-occupied	3,985,705		11,113	129	11,242	39,239	4,036,186
Total commercial and industrial	9,798,195		30,098	942	31,040	102,216	9,931,451
Home equity lines	1,564,578		4,919	136	5,055	17,908	1,587,541
Consumer mortgages	1,460,219		18,068	1,011	19,079	39,770	1,519,068
Credit cards	253,422		1,917	1,507	3,424	—	256,846
Other retail	280,524		2,190	26	2,216	2,038	284,778
Total retail	3,558,743		27,094	2,680	29,774	59,716	3,648,233
Total loans	$	19,597,760	68,111	4,489	72,600	416,300	20,086,660	(2	)

⁽¹⁾Total before net deferred fees and costs of $28.8 million.

⁽²⁾Total before net deferred fees and costs of $28.9 million.

Loan Portfolio Credit Exposure

In the following tables, retail loans and small business loans are generally assigned a risk grade similar to the classifications described above; however, upon reaching 90 days and 120 days past due, they are generally downgraded to Substandard and Loss, respectively, in accordance with the FFIEC Uniform Retail Credit Classification and Account Management Policy. Additionally, in accordance with the Interagency Supervisory Guidance on Allowance for Loan and Lease Losses Estimation Practices for Loans and Lines of Credit Secured by Junior Liens on 1-4 Family Residential Properties, the risk grade classifications of retail loans (home equity lines and consumer mortgages) secured by junior liens on 1-4 family residential properties also consider available information on the payment status of the associated senior lien with other financial institutions.

Loan Portfolio Credit Exposure by Risk Grade
	September 30, 2014
(in thousands)	Pass		Special Mention	Substandard(1)	Doubtful(2)	Loss		Total
Investment properties	$	4,687,315	197,501	134,230	—	—		5,019,046
1-4 family properties	925,346		99,686	104,994	7,528	—		1,137,554
Land acquisition	460,829		55,707	71,336	907	—		588,779
Total commercial real estate	6,073,490		352,894	310,560	8,435	—		6,745,379
Commercial, financial and agricultural	5,667,272		174,559	151,871	8,562	1,145	(3)	6,003,409
Owner-occupied	3,728,191		124,702	159,502	839	432	(3)	4,013,666
Total commercial and industrial	9,395,463		299,261	311,373	9,401	1,577		10,017,075
Home equity lines	1,661,751		—	19,239	2,090	2,892	(3)	1,685,972
Consumer mortgages	1,577,632		—	42,323	1,610	339	(3)	1,621,904
Credit cards	252,510		—	539	—	804	(4)	253,853
Other retail	289,713		—	3,383	32	104	(3)	293,232
Total retail	3,781,606		—	65,484	3,732	4,139		3,854,961
Total loans	$	19,250,559	652,155	687,417	21,568	5,716		20,617,415	(5	)
	December 31, 2013
(in thousands)	Pass		Special Mention	Substandard(1)	Doubtful(2)	Loss		Total
Investment properties	$	4,197,368	249,890	167,503	1,724	—		4,616,485
1-4 family properties	920,392		126,715	129,599	8,062	292	(3)	1,185,060
Land acquisition	422,054		94,316	186,514	2,547	—		705,431
Total commercial real estate	5,539,814		470,921	483,616	12,333	292		6,506,976
Commercial, financial and agricultural	5,451,369		224,620	208,422	10,764	90	(3)	5,895,265
Owner-occupied	3,714,400		155,097	164,560	2,129	—		4,036,186
Total commercial and industrial	9,165,769		379,717	372,982	12,893	90		9,931,451
Home equity lines	1,559,272		—	25,177	1,314	1,778	(3)	1,587,541
Consumer mortgages	1,475,928		—	40,368	2,485	287	(3)	1,519,068
Credit cards	255,339		—	541	—	966	(4)	256,846
Other retail	281,179		—	3,400	75	124	(3)	284,778
Total retail	3,571,718		—	69,486	3,874	3,155		3,648,233
Total loans	$	18,277,301	850,638	926,084	29,100	3,537		20,086,660	(6	)

⁽¹⁾ Includes $215.1 million and $383.7 million of non-accrual Substandard loans at September 30, 2014 and December 31, 2013, respectively.

⁽²⁾ The loans within this risk grade are on non-accrual status. Commercial loans generally have an allowance for loan losses in accordance with ASC 310, and retail loans generally have an allowance for loan losses equal to 50% of the loan amount.

⁽³⁾ The loans within this risk grade are on non-accrual status and have an allowance for loan losses equal to the full loan amount.

⁽⁴⁾ Represent amounts that were 120 days past due. These credits are downgraded to the Loss category with an allowance for loan losses equal to the full loan amount and are generally charged off upon reaching 181 days past due in accordance with the FFIEC Uniform Retail Credit Classification and Account Management Policy.

⁽⁵⁾Total before net deferred fees and costs of $28.8 million.

⁽⁶⁾Total before net deferred fees and costs of

Schedule of Allowances for Loan Losses and Recorded Investment in Loans

The following table details the changes in the allowance for loan losses by loan segment for the nine months ended September 30, 2014 and 2013.

Allowance for Loan Losses and Recorded Investment in Loans
	As Of and For The Nine Months Ended September 30, 2014
(in thousands)	Commercial Real Estate			Commercial & Industrial		Retail		Unallocated		Total
Allowance for loan losses:
Beginning balance	$	127,646		115,435		41,479		23,000		307,560
Allowance for loan losses of sold branches	(281		)	(398	)	(340	)	—		(1,019	)
Charge-offs	(41,139		)	(26,896	)	(19,082	)	—		(87,117	)
Recoveries	8,318			9,562		6,434		—		24,314
Provision (credit) for loan losses	7,445			27,140		14,053		(23,000	)	25,638
Ending balance	$	101,989		124,843		42,544		—		269,376
Ending balance: individually evaluated for impairment	22,107			15,863		1,195		—		39,165
Ending balance: collectively evaluated for impairment	$	79,882		108,980		41,349		—		230,211
Loans:
Ending balance: total loans(1)	$	6,745,379		10,017,075		3,854,961		—		20,617,415
Ending balance: individually evaluated for impairment	317,011			172,860		47,669		—		537,540
Ending balance: collectively evaluated for impairment	$	6,428,368		9,844,215		3,807,292		—		20,079,875
	As Of and For The Nine Months Ended September 30, 2013
(in thousands)	Commercial Real Estate			Commercial & Industrial		Retail		Unallocated		Total
Allowance for loan losses:
Beginning balance	$	167,926		138,495		38,984		28,000		373,405
Charge-offs	(73,825		)	(44,104	)	(27,359	)	—		(145,288	)
Recoveries	11,861			17,266		5,834		—		34,961
Provision (credit) for loan losses	31,221			7,462		21,851		(5,000	)	55,534
Ending balance	$	137,183		119,119		39,310		23,000		318,612
Ending balance: individually evaluated for impairment	50,737			25,194		2,120		—		78,051
Ending balance: collectively evaluated for impairment	$	86,446		93,925		37,190		23,000		240,561
Loans:
Ending balance: total loans(2)	$	6,458,518		9,705,425		3,572,669		—		19,736,612
Ending balance: individually evaluated for impairment	569,128			259,764		53,061		—		881,953
Ending balance: collectively evaluated for impairment	$	5,889,390		9,445,661		3,519,608		—		18,854,659

⁽¹⁾Total before net deferred fees and costs of $28.8 million.

⁽²⁾Total before net deferred fees and costs of $25.0 million.

The following table details the changes in the allowance for loan losses by loan segment for the three months ended September 30, 2014 and 2013.

Allowance for Loan Losses and Recorded Investment in Loans
	As Of and For The Three Months Ended September 30, 2014
(in thousands)	Commercial Real Estate			Commercial & Industrial			Retail		Unallocated	Total
Allowance for loan losses:
Beginning balance	$	104,394		130,814			42,575		—	277,783
Charge-offs	(5,233		)	(11,306		)	(6,222	)	—	(22,761	)
Recoveries	3,099			5,257			2,155		—	10,511
Provision for loan losses	(271		)	78			4,036		—	3,843
Ending balance	$	101,989		124,843			42,544		—	269,376
Ending balance: individually evaluated for impairment	22,107			15,863			1,195		—	39,165
Ending balance: collectively evaluated for impairment	$	79,882		108,980			41,349		—	230,211
Loans:
Ending balance: total loans(1)	$	6,745,379		10,017,075			3,854,961		—	20,617,415
Ending balance: individually evaluated for impairment	317,011			172,860			47,669		—	537,540
Ending balance: collectively evaluated for impairment	$	6,428,368		9,844,215			3,807,292		—	20,079,875
	As Of and For The Three Months Ended September 30, 2013
(in thousands)	Commercial Real Estate			Commercial & Industrial			Retail		Unallocated	Total
Allowance for loan losses:
Beginning balance	$	138,329		133,190			40,361		23,000	334,880
Charge-offs	(9,474		)	(13,871		)	(6,908	)	—	(30,253	)
Recoveries	2,766			2,152			2,306		—	7,224
Provision (credit) for loan losses	5,562			(2,352		)	3,551		—	6,761
Ending balance	$	137,183		$	119,119		39,310		23,000	318,612
Ending balance: individually evaluated for impairment	50,737			25,194			2,120		—	78,051
Ending balance: collectively evaluated for impairment	$	86,446		93,925			37,190		23,000	240,561
Loans:
Ending balance: total loans(2)	$	6,458,518		9,705,425			3,572,669		—	19,736,612
Ending balance: individually evaluated for impairment	569,128			259,764			53,061		—	881,953
Ending balance: collectively evaluated for impairment	$	5,889,390		9,445,661			3,519,608		—	18,854,659

⁽¹⁾Total before net deferred fees and costs of $28.8 million.

⁽²⁾Total before net deferred fees and costs of $25.0 million.

Schedule of Impaired Loans

The allowance for loan losses continues to consist of an allocated component (which includes the qualitative factors noted above as well as the qualitative factors disclosed in Synovus' 2013 Form 10-K) and an unallocated component. Beginning March 31, 2014, the unallocated component relates to risk elements, if any, which are not already included in the allocated allowance.  

The tables below summarize impaired loans (including accruing TDRs) as of September 30, 2014 and December 31, 2013.

Impaired Loans (including accruing TDRs)
	September 30, 2014				Nine Months Ended September 30, 2014		Three Months Ended September 30, 2014
(in thousands)	Recorded Investment		Unpaid Principal Balance	Related Allowance	Average Recorded Investment	Interest Income Recognized	Average Recorded Investment	Interest Income Recognized
With no related allowance recorded
Investment properties	$	33,849	46,096	—	24,949	—	33,167	—
1-4 family properties	4,386		12,251	—	5,984	—	4,151	—
Land acquisition	29,501		76,068	—	31,187	—	29,584	—
Total commercial real estate	67,736		134,415	—	62,120	—	66,902	—
Commercial, financial and agricultural	5,705		12,109	—	9,917	—	6,785	—
Owner-occupied	15,300		17,512	—	21,024	—	17,942	—
Total commercial and industrial	21,005		29,621	—	30,941	—	24,727	—
Home equity lines	—		—	—	—	—	—	—
Consumer mortgages	995		2,065	—	1,471	—	1,869	—
Credit cards	—		—	—	—	—	—	—
Other retail	—		—	—	—	—	—	—
Total retail	995		2,065	—	1,471	—	1,869	—
Total impaired loans with no related allowance recorded	$	89,736	166,101	—	94,532	—	93,498	—
With allowance recorded
Investment properties	117,707		119,560	6,621	141,128	3,034	118,729	961
1-4 family properties	83,797		84,588	10,694	99,038	2,209	87,829	613
Land acquisition	47,771		47,914	4,792	102,880	1,264	48,499	418
Total commercial real estate	249,275		252,062	22,107	343,046	6,507	255,057	1,992
Commercial, financial and agricultural	81,036		85,771	12,532	97,143	1,877	82,271	553
Owner-occupied	70,819		70,842	3,331	83,392	2,029	80,653	601
Total commercial and industrial	151,855		156,613	15,863	180,535	3,906	162,924	1,154
Home equity lines	3,822		3,822	68	3,253	71	3,809	40
Consumer mortgages	37,591		37,591	1,029	40,582	999	39,217	457
Credit cards	—		—	—	—	—	—	—
Other retail	5,261		5,261	98	4,892	228	5,171	88
Total retail	46,674		46,674	1,195	48,727	1,298	48,197	585
Total impaired loans with allowance recorded	$	447,804	455,349	39,165	572,308	11,711	466,178	3,731
Total impaired loans
Investment properties	$	151,556	165,656	6,621	166,077	3,034	151,896	961
1-4 family properties	88,183		96,839	10,694	105,022	2,209	91,980	613
Land acquisition	77,272		123,982	4,792	134,067	1,264	78,083	418
Total commercial real estate	317,011		386,477	22,107	405,166	6,507	321,959	1,992
Commercial, financial and agricultural	86,741		97,880	12,532	107,060	1,877	89,056	553
Owner-occupied	86,119		88,354	3,331	104,416	2,029	98,595	601
Total commercial and industrial	172,860		186,234	15,863	211,476	3,906	187,651	1,154
Home equity lines	3,822		3,822	68	3,253	71	3,809	40
Consumer mortgages	38,586		39,656	1,029	42,053	999	41,086	457
Credit cards	—		—	—	—	—	—	—
Other retail	5,261		5,261	98	4,892	228	5,171	88
Total retail	47,669		48,739	1,195	50,198	1,298	50,066	585
Total impaired loans	$	537,540	621,450	39,165	666,840	11,711	559,676	3,731

Impaired Loans (including accruing TDRs)
	December 31, 2013				Year Ended December 31, 2013
(in thousands)	Recorded Investment		Unpaid Principal Balance	Related Allowance	Average Recorded Investment	Interest Income Recognized
With no related allowance recorded
Investment properties	$	14,218	15,820	—	18,046	—
1-4 family properties	9,679		29,741	—	23,879	—
Land acquisition	30,595		78,470	—	41,007	—
Total commercial real estate	54,492		124,031	—	82,932	—
Commercial, financial and agricultural	13,490		22,312	—	15,355	—
Owner-occupied	24,839		32,626	—	22,472	—
Total commercial and industrial	38,329		54,938	—	37,827	—
Home equity lines	—		—	—	33	—
Consumer mortgages	1,180		2,840	—	1,487	—
Credit cards	—		—	—	—	—
Other retail	—		—	—	4	—
Total retail	1,180		2,840	—	1,524	—
Total impaired loans with no related allowance recorded	$	94,001	181,809	—	122,283	—
With allowance recorded
Investment properties	$	186,058	193,765	8,863	227,073	5,062
1-4 family properties	115,151		117,498	11,135	115,629	3,464
Land acquisition	183,029		202,048	26,789	191,807	2,931
Total commercial real estate	484,238		513,311	46,787	534,509	11,457
Commercial, financial and agricultural	115,532		120,290	15,559	128,680	3,630
Owner-occupied	89,001		94,869	4,459	107,949	3,656
Total commercial and industrial	204,533		215,159	20,018	236,629	7,286
Home equity lines	2,750		2,750	116	4,668	176
Consumer mortgages	44,019		44,019	967	48,674	1,910
Credit cards	—		—	—	—	—
Other retail	7,013		7,013	109	5,555	285
Total retail	53,782		53,782	1,192	58,897	2,371
Total impaired loans with allowance recorded	$	742,553	782,252	67,997	830,035	21,114
Total impaired loans
Investment properties	$	200,276	209,585	8,863	245,119	5,062
1-4 family properties	124,830		147,239	11,135	139,508	3,464
Land acquisition	213,624		280,518	26,789	232,814	2,931
Total commercial real estate	538,730		637,342	46,787	617,441	11,457
Commercial, financial and agricultural	129,022		142,602	15,559	144,035	3,630
Owner-occupied	113,840		127,495	4,459	130,421	3,656
Total commercial and industrial	242,862		270,097	20,018	274,456	7,286
Home equity lines	2,750		2,750	116	4,701	176
Consumer mortgages	45,199		46,859	967	50,161	1,910
Credit cards	—		—	—	—	—
Other retail	7,013		7,013	109	5,559	285
Total retail	54,962		56,622	1,192	60,421	2,371
Total impaired loans	$	836,554	964,061	67,997	952,318	21,114

Troubled Debt Restructurings

The following tables represent, by concession type, the post-modification balance for loans modified or renewed during the nine and three months ended September 30, 2014 and 2013 that were reported as accruing or non-accruing TDRs.

TDRs by Concession Type
	Nine Months Ended September 30, 2014
(in thousands, except contract data)	Number of Contracts	Principal Forgiveness		Below Market Interest Rate	Term Extensions and/or Other Concessions	Total
Investment properties	14	$	—	8,423	5,598	14,021
1-4 family properties	36	—		2,390	3,859	6,249
Land acquisition	15	2,338		4,721	2,688	9,747
Total commercial real estate	65	2,338		15,534	12,145	30,017
Commercial, financial and agricultural	68	60		7,639	16,977	24,676
Owner-occupied	14	—		22,178	14,392	36,570
Total commercial and industrial	82	60		29,818	31,369	61,247
Home equity lines	11	—		1,163	451	1,614
Consumer mortgages	13	—		2,296	315	2,611
Credit cards	—	—		—	—	—
Other retail	17	—		543	385	928
Total retail	41	—		4,002	1,151	5,153
Total TDRs	188	$	2,398	49,354	44,665	96,417	(1	)
	Three Months Ended September 30, 2014
(in thousands, except contract data)	Number of Contracts	Principal Forgiveness		Below Market Interest Rate	Term Extensions and/or Other Concessions	Total
Investment properties	4	$	—	875	3,899	4,774
1-4 family properties	7	—		879	203	1,082
Land acquisition	3	2,338		204	646	3,188
Total commercial real estate	14	2,338		1,958	4,748	9,044
Commercial, financial and agricultural	28	60		3,098	5,280	8,438
Owner-occupied	2	—		2,703	130	2,833
Total commercial and industrial	30	60		5,802	5,410	11,272
Home equity lines	5	—		435	—	435
Consumer mortgages	5	—		543	212	755
Credit cards	—	—		—		—
Other retail	7	—		101	150	251
Total retail	17	—		1,079	362	1,441
Total TDRs	61	$	2,398	8,839	10,520	21,757	(2	)

⁽¹⁾ Net charge-offs of $163 thousand were recorded during the nine months ended September 30, 2014 upon restructuring of these loans.

⁽²⁾ Net charge-offs of $163 thousand were recorded during the three months ended September 30, 2014 upon restructuring of these loans.

TDRs by Concession Type
	Nine Months Ended September 30, 2013
(in thousands, except contract data)	Number of Contracts	Principal Forgiveness	Below Market Interest Rate	Term Extensions and/or Other Concessions	Total
Investment properties	44	—	121,263	4,372	125,635
1-4 family properties	99	424	28,863	8,629	37,916
Land acquisition	26	74	113,627	9,763	123,464
Total commercial real estate	169	498	263,753	22,764	287,015
Commercial, financial and agricultural	85	183	21,600	12,675	34,458
Owner-occupied	51	—	21,571	22,935	44,506
Total commercial and industrial	136	183	43,171	35,610	78,964
Home equity lines	1	—	—	80	80
Consumer mortgages	123	—	10,230	4,004	14,234
Credit cards	—	—	—	—	—
Other retail	56	—	879	1,424	2,303
Total retail	180	—	11,109	5,508	16,617
Total TDRs	485	681	318,033	63,882	382,596	(1	)
	Three Months Ended September 30, 2013
(in thousands, except contract data)	Number of Contracts	Principal Forgiveness	Below Market Interest Rate	Term Extensions and/or Other Concessions	Total
Investment properties	13	—	74,111	—	74,111
1-4 family properties	41	—	4,832	2,133	6,965
Land acquisition	10	—	108,295	2,532	110,827
Total commercial real estate	64	—	187,238	4,665	191,903
Commercial, financial and agricultural	16	—	3,152	2,737	5,889
Owner-occupied	12	—	5,575	7,940	13,515
Total commercial and industrial	28	—	8,727	10,677	19,404
Home equity lines	—	—	—	—	—
Consumer mortgages	39	—	3,106	966	4,072
Credit cards	—	—	—	—	—
Other retail	18	—	419	396	815
Total retail	57	—	3,525	1,362	4,887
Total TDRs	149	—	199,490	16,704	216,194	(2	)

⁽¹⁾ Net charge-offs of $199 thousand were recorded during the nine months ended September 30, 2013 upon restructuring of these loans.

⁽²⁾ Net charge-offs of $146 thousand were recorded during the three months ended September 30, 2013 upon restructuring of these loans.

Troubled Debt Restructurings that Subsequently Defaulted

The following table presents TDRs that defaulted in the periods indicated and which were modified or renewed in a TDR within 12 months of the default date.

Troubled Debt Restructurings Entered Into That Subsequently Defaulted* During
	Nine Months Ended September 30, 2014			Three Months Ended September 30, 2014
(in thousands, except contract data)	Number of Contracts	Recorded Investment		Number of Contracts	Recorded Investment
Investment properties	1	$	186	—	$	—
1-4 family properties	3	1,018		—	—
Land acquisition	1	428		—	—
Total commercial real estate	5	1,632		—	—
Commercial, financial and agricultural	4	1,559		2	181
Owner-occupied	—	—		—	—
Total commercial and industrial	4	1,559		2	181
Home equity lines	—	—		—	—
Consumer mortgages	3	206		2	136
Credit cards	—	—		—	—
Other retail	—	—		—	—
Total retail	3	206		2	136
Total TDRs	12	$	3,397	4	$	317

^* Default is defined as the earlier of the troubled debt restructuring being placed on non-accrual status or reaching 90 days past due with respect to principal and/or interest payments.

Troubled Debt Restructurings Entered Into That Subsequently Defaulted* During
	Nine Months Ended September 30, 2013			Three Months Ended September 30, 2013
(in thousands, except contract data)	Number of Contracts	Recorded Investment		Number of Contracts	Recorded Investment
Investment properties	2	$	4,519	—	$	—
1-4 family properties	9	12,374		1	1,620
Land acquisition	1	126		—	—
Total commercial real estate	12	17,019		1	1,620
Commercial, financial and agricultural	3	409		—	—
Owner-occupied	2	924		—	—
Total commercial and industrial	5	1,333		—	—
Home equity lines	1	98		1	98
Consumer mortgages	15	1,195		2	217
Credit cards	—	—		—	—
Other retail	1	195		—	—
Total retail	17	1,488		3	315
Total TDRs	34	$	19,840	4	$	1,935

^* Default is defined as the earlier of the troubled debt restructuring being placed on non-accrual status or reaching 90 days past due with respect to principal and/or interest payments.

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Investment Securities (Schedule Of Unrealized Loss On Investments) (Details) (USD $) In Thousands, unless otherwise specified	9 Months Ended	12 Months Ended
	Sep. 30, 2014	Dec. 31, 2013
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	$ 247,109	$ 2,291,995
Less than 12 Months, Unrealized Losses	797	43,983
12 Months or Longer, Fair Value	1,253,241	4,713
12 Months or Longer, Unrealized Losses	23,293	578
Total Fair Value, Fair Value	1,500,350	2,296,708
Total Fair Value, Unrealized Losses	24,090	44,561
U.S. Treasury Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	0	0
Less than 12 Months, Unrealized Losses	0	0
12 Months or Longer, Fair Value	0	0
12 Months or Longer, Unrealized Losses	0	0
Total Fair Value, Fair Value	0	0
Total Fair Value, Unrealized Losses	0	0
U.S. Government Agency Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	0	0
Less than 12 Months, Unrealized Losses	0	0
12 Months or Longer, Fair Value	0	0
12 Months or Longer, Unrealized Losses	0	0
Total Fair Value, Fair Value	0	0
Total Fair Value, Unrealized Losses	0	0
Securities Issued By U.S. Government Sponsored Enterprises [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	0	0
Less than 12 Months, Unrealized Losses	0	0
12 Months or Longer, Fair Value	0	0
12 Months or Longer, Unrealized Losses	0	0
Total Fair Value, Fair Value	0	0
Total Fair Value, Unrealized Losses	0	0
Mortgage-Backed Securities Issued By U.S. Government Agencies [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	9,678	121,607
Less than 12 Months, Unrealized Losses	14	3,363
12 Months or Longer, Fair Value	29,955	2,951
12 Months or Longer, Unrealized Losses	919	298
Total Fair Value, Fair Value	39,633	124,558
Total Fair Value, Unrealized Losses	933	3,661
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	220,542	1,885,521
Less than 12 Months, Unrealized Losses	562	31,640
12 Months or Longer, Fair Value	1,099,220	0
12 Months or Longer, Unrealized Losses	19,907	0
Total Fair Value, Fair Value	1,319,762	1,885,521
Total Fair Value, Unrealized Losses	20,469	31,640
Collateralized Mortgage Obligations Issued By U.S. Government Sponsored Enterprises [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	0	282,898
Less than 12 Months, Unrealized Losses	0	8,875
12 Months or Longer, Fair Value	122,239	0
12 Months or Longer, Unrealized Losses	2,249	0
Total Fair Value, Fair Value	122,239	282,898
Total Fair Value, Unrealized Losses	2,249	8,875
State And Municipal Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	0	0
Less than 12 Months, Unrealized Losses	0	0
12 Months or Longer, Fair Value	43	40
12 Months or Longer, Unrealized Losses	2	2
Total Fair Value, Fair Value	43	40
Total Fair Value, Unrealized Losses	2	2
Equity Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	0	0
Less than 12 Months, Unrealized Losses	0	0
12 Months or Longer, Fair Value	0	0
12 Months or Longer, Unrealized Losses	0	0
Total Fair Value, Fair Value	0	0
Total Fair Value, Unrealized Losses	0	0
Other Investments [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	16,889	1,969
Less than 12 Months, Unrealized Losses	221	105
12 Months or Longer, Fair Value	1,784	1,722
12 Months or Longer, Unrealized Losses	216	278
Total Fair Value, Fair Value	18,673	3,691
Total Fair Value, Unrealized Losses	$ 437	$ 383

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Net Income Per Common Share

9 Months Ended

Sep. 30, 2014

Earnings Per Share [Abstract]

Net Income Per Common Share

Note 12 - Net Income Per Common Share

The following table displays a reconciliation of the information used in calculating basic and diluted earnings per common share for the nine and three months ended September 30, 2014 and 2013.

	Nine Months Ended September 30,			Three Months Ended September 30,
(in thousands, except per share data)	2014		2013	2014	2013
Basic Net Income Per Common Share:
Net income available to common shareholders	$	134,399	82,704	44,229	37,188
Weighted average common shares outstanding	138,989		123,652	139,043	136,671
Basic net income per common share	$	0.97	0.67	0.32	0.27
Diluted Net Income Per Common Share:
Net income available to common shareholders	$	134,399	82,704	44,229	37,188
Weighted average common shares outstanding	138,989		123,652	139,043	136,671
Potentially dilutive shares from assumed exercise of securities or other contracts to purchase Common Stock	611		8,823	683	426
Weighted average diluted common shares	139,600		132,476	139,726	137,097
Diluted net income per common share	$	0.96	0.62	0.32	0.27

A reverse stock split became effective on May 16, 2014, and Synovus' shares of common stock began trading on a post-split basis on the NYSE at the opening of trading on May 19, 2014. Share and per share amounts included in this Report for prior periods have been adjusted to reflect the one-for-seven reverse stock split.  

Basic net income per common share is computed by dividing net income by the average common shares outstanding for the period. Diluted net income per common share reflects the dilution that could occur if securities or other contracts to issue Common Stock were exercised or converted. The dilutive effect of outstanding options and restricted share units is reflected in diluted net income per common share, unless the impact is anti-dilutive, by application of the treasury stock method.

During 2010, 13,800,000 units of tMEDS were issued through a public offering. On May 15, 2013, each remaining tMED automatically settled, and Synovus issued 17.6 million shares of Common Stock. As a result, these shares are no longer potentially dilutive shares from assumed exercise of these contracts to purchase Common Stock.

As of September 30, 2014 and 2013, there were 3.2 million and 3.6 million, respectively, potentially dilutive shares related to Common Stock options and Warrants to purchase shares of Common Stock that were outstanding during 2014 and 2013, but were not included in the computation of diluted net income per common share because the effect would have been anti-dilutive.