Exhibit 99.2

Unaudited
AmSouth Bancorporation
CONSOLIDATED QUARTERLY STATEMENTS OF EARNINGS
($ in thousands, except per share data)

	2004								2003
	December 31		September 30		June 30		March 31		December 31
INTEREST INCOME
Loans	$	414,229	$	399,030	$	376,602	$	375,715	$	381,914
Available-for-sale securities		76,518		81,178		80,577		83,419		85,096
Held-to-maturity securities		69,950		67,030		63,934		62,593		52,250
Trading securities		96		39		25		72		11
Loans held for sale		5,119		2,863		3,270		2,627		1,775
Federal funds sold and securities purchased under agreements to resell		99		82		197		151		99
Other interest-earning assets		97		51		39		59		55
Total interest income		566,108		550,273		524,644		524,636		521,200
INTEREST EXPENSE
Interest-bearing checking		12,369		10,237		8,640		7,346		6,627
Money market and savings deposits		17,376		10,599		9,688		9,315		9,350
Time deposits		39,488		39,144		40,565		44,807		46,839
Certificates of deposit of $100,000 or more		24,339		20,492		17,147		17,241		17,544
Foreign deposits		6,063		4,361		3,598		2,589		2,589
Federal funds purchased and securities sold under agreements to repurchase		15,246		11,707		8,185		6,645		6,163
Other borrowed funds		3,621		2,555		1,905		1,981		971
Long-term Federal Home Loan Bank advances		52,032		61,016		60,475		60,469		60,150
Other long-term debt		16,362		14,256		13,031		14,746		12,183
Total interest expense		186,896		174,367		163,234		165,139		162,416
NET INTEREST INCOME		379,212		375,906		361,410		359,497		358,784
Provision for loan losses		44,250		28,800		26,600		28,100		44,500
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES		334,962		347,106		334,810		331,397		314,284
NONINTEREST REVENUES
Service charges on deposit accounts		94,556		96,508		94,377		93,215		93,177
Trust income		30,571		28,587		29,935		28,880		26,114
Consumer investment services income		17,539		17,565		21,930		20,411		19,114
Interchange income		21,066		19,649		20,628		16,299		15,648
Bank owned life insurance policies		13,760		11,377		11,610		11,669		11,706
Bankcard income		6,396		7,697		7,509		6,856		7,079
Mortgage income		5,627		4,164		3,889		7,512		12,060
Portfolio income		5,381		5,920		8,145		9,667		14,009
Gain on sale of bankcard loans		166,103		-0-		-0-		-0-		-0-
Other noninterest revenues		19,290		21,704		20,229		25,921		24,483
Total noninterest revenues		380,289		213,171		218,252		220,430		223,390
NONINTEREST EXPENSES
Salaries and employee benefits		170,640		162,517		167,511		173,706		163,969
Net occupancy expense		37,694		37,953		36,326		35,252		34,350
Equipment expense		31,721		31,807		30,968		30,544		29,141
Postage and office supplies		10,556		10,680		10,997		12,958		12,124
Marketing expense		8,803		8,594		9,249		11,746		8,832
Professional fees		16,363		7,339		9,699		8,330		8,883
Communications expense		5,773		5,926		6,040		6,412		6,324
Amortization of intangibles		800		1,043		1,163		1,163		1,199
Costs incurred under settlement agreement and related professional fees		-0-		53,972		-0-		-0-		-0-
FHLB prepayment cost		129,648		-0-		-0-		-0-		-0-
Other noninterest expenses		48,418		42,647		39,817		42,163		45,971
Total noninterest expenses		460,416		362,478		311,770		322,274		310,793
INCOME BEFORE INCOME TAXES		254,835		197,799		241,292		229,553		226,881
Income taxes		77,978		78,220		74,329		69,454		68,329
NET INCOME	$	176,857	$	119,579	$	166,963	$	160,099	$	158,552
Average common shares outstanding		355,072		352,838		351,602		351,196		350,067
Earnings per common share (a)	$	.50	$	.34	$	.47	$	.46	$	.45
Diluted average common shares outstanding		360,286		358,272		356,314		356,908		355,306
Diluted earnings per common share (a)	$	.49	$	.33	$	.47	$	.45	$	.45

(a) Earnings per common share as adjusted for the third quarter 2004 settlement agreement and related professional fees are provided in the following table. These expenses represent matters which management believes are not indicative of AmSouth’s legal and regulatory affairs arising in the normal course of business.

	Three Months Ended September 30, 2004
Earnings per common share, GAAP basis		0.34
Adjustment for settlement agreement and related professional fees		0.15
Earnings per common share, as adjusted		0.49
Earnings per common share - diluted, GAAP basis		0.33
Adjustment for settlement agreement and related professional fees		0.15
Earnings per common share - diluted, as adjusted		0.48

Unaudited
AmSouth Bancorporation
QUARTERLY AVERAGE DAILY BALANCES, REVENUE & EXPENSE SUMMARY, YIELDS & RATES
(Taxable equivalent basis, $ in thousands)

	Three Months Ended December 31, 2004							Three Months Ended September 30, 2004							Three Months Ended June 30, 2004							Three Months Ended March 31, 2004							Three Months Ended December 31, 2003
	Average Balance			Revenue/ Expense		Yield/ Rate		Average Balance			Revenue/ Expense		Yield/ Rate		Average Balance			Revenue/ Expense		Yield/ Rate		Average Balance			Revenue/ Expense		Yield/ Rate		Average Balance			Revenue/ Expense		Yield/ Rate
ASSETS
Interest-earning assets:
Commercial and commercial real estate	$	15,682,584		$	204,003	5.18	%	$	15,118,340		$	189,542	4.99	%	$	14,761,561		$	178,896	4.87	%	$	14,173,383		$	176,064	5.00	%	$	13,742,037		$	176,320	5.09	%
Residential first mortgages		4,864,675			59,739	4.89	%		4,565,972			55,715	4.85	%		3,863,999			49,333	5.13	%		3,680,157			46,859	5.12	%		3,675,039			47,393	5.12	%
Equity loans and lines		7,742,633			93,520	4.81	%		7,629,780			85,078	4.44	%		7,288,969			78,254	4.32	%		7,077,654			79,716	4.53	%		6,915,508			79,328	4.55	%
Dealer indirect		3,392,366			46,700	5.48	%		3,606,654			51,067	5.63	%		3,622,780			51,993	5.77	%		3,608,410			54,325	6.06	%		3,665,257			58,225	6.30	%
Other consumer		794,457			16,511	8.27	%		1,158,955			23,725	8.14	%		1,096,320			24,201	8.88	%		1,166,139			24,993	8.62	%		1,265,908			27,007	8.46	%
Total loans net of unearned income (1)		32,476,715			420,473	5.15	%		32,079,701			405,127	5.02	%		30,633,629			382,677	5.02	%		29,705,743			381,957	5.17	%		29,263,749			388,273	5.26	%
Available-for-sale securities, amortized cost		6,369,885			77,107	4.82	%		6,508,524			81,785	5.00	%		6,559,420			81,249	4.98	%		6,503,458			84,080	5.20	%		6,537,647			85,783	5.21	%
Market valuation on AFS securities		(25,440	)						(92,985	)						(45,289	)						26,689							(4,433	)
Total available-for-sale securities (2)		6,344,445							6,415,539							6,514,131							6,530,147							6,533,214
Held-to-maturity securities		6,043,965			73,896	4.86	%		5,865,560			70,976	4.81	%		5,929,467			67,685	4.59	%		5,276,021			66,333	5.06	%		4,621,250			55,758	4.79	%
Total investment securities (3)		12,388,410			151,003	4.84	%		12,281,099			152,761	4.91	%		12,443,598			148,934	4.80	%		11,806,168			150,413	5.14	%		11,154,464			141,541	5.03	%
Other interest-earning assets		334,006			5,411	6.44	%		231,207			3,035	5.22	%		378,235			3,531	3.75	%		285,883			2,909	4.09	%		187,197			1,940	4.11	%
Total interest-earning assets (3)		45,199,131			576,887	5.07	%		44,592,007			560,923	4.99	%		43,455,462			535,142	4.95	%		41,797,794			535,279	5.15	%		40,605,410			531,754	5.19	%
Cash and due from banks		1,147,335							1,090,246							1,117,795							1,117,832							1,069,011
Other assets		3,559,107							3,485,377							3,554,548							3,424,399							3,407,036
Allowance for loan losses		(370,052	)						(381,316	)						(385,514	)						(386,932	)						(383,627	)
	$	49,535,521						$	48,786,314						$	47,742,291						$	45,953,093						$	44,697,830
LIABILITIES AND SHAREHOLDERS’ EQUITY
Interest-bearing liabilities:
Interest-bearing checking	$	6,808,245			12,369	0.72	%	$	6,865,461			10,237	0.59	%	$	6,829,555			8,640	0.51	%	$	6,334,668			7,346	0.47	%	$	5,878,840			6,627	0.45	%
Money market and savings deposits		8,306,523			17,376	0.83	%		7,875,270			10,599	0.54	%		7,847,980			9,688	0.50	%		7,674,745			9,315	0.49	%		7,678,965			9,350	0.48	%
Time deposits (4)		5,520,368			39,488	2.85	%		5,573,226			39,144	2.79	%		5,827,430			40,565	2.80	%		6,217,736			44,807	2.90	%		6,323,696			46,840	2.94	%
Certificates of deposit of $100,000 or more (4)		4,053,863			24,339	2.39	%		3,810,251			20,492	2.14	%		3,305,622			17,147	2.09	%		2,949,048			17,241	2.35	%		2,864,675			17,543	2.43	%
Foreign deposits		1,655,500			6,063	1.46	%		1,611,387			4,361	1.08	%		1,527,336			3,598	0.95	%		1,205,037			2,589	0.86	%		1,206,100			2,589	0.85	%
Federal funds purchased and securities sold under
agreements to repurchase		3,394,875			15,246	1.79	%		3,338,866			11,707	1.39	%		2,837,459			8,185	1.16	%		2,378,217			6,645	1.12	%		2,639,228			6,163	0.93	%
Other interest-bearing liabilities		7,682,934			72,015	3.73	%		8,165,955			77,827	3.79	%		8,163,063			75,411	3.72	%		8,187,362			77,196	3.79	%		7,493,701			73,304	3.88	%
Total interest-bearing liabilities		37,422,308			186,896	1.99	%		37,240,416			174,367	1.86	%		36,338,445			163,234	1.81	%		34,946,813			165,139	1.90	%		34,085,205			162,416	1.89	%
Net interest spread (3)						3.08	%						3.13	%						3.14	%						3.25	%						3.30	%
Noninterest-bearing demand deposits		6,978,442							6,643,642							6,516,977							6,103,216							5,855,497
Other liabilities (4)		1,643,590							1,551,933							1,581,233							1,644,705							1,606,022
Shareholders’ equity		3,491,181							3,350,323							3,305,636							3,258,359							3,151,106
	$	49,535,521						$	48,786,314						$	47,742,291						$	45,953,093						$	44,697,830
Net interest income/margin on a taxable equivalent basis (3)					389,991	3.43	%					386,556	3.44	%					371,908	3.44	%					370,140	3.56	%					369,338	3.61	%
Taxable equivalent adjustment:(5)
Loans					6,244							6,097							6,075							6,242							6,359
Available-for-sale securities					589							607							672							661							687
Held-to-maturity securities					3,946							3,946							3,751							3,740							3,508
Total taxable equivalent adjustment					10,779							10,650							10,498							10,643							10,554
Net interest income				$	379,212						$	375,906						$	361,410						$	359,497						$	358,784

NOTES:

(1) Loans net of unearned income includes nonaccrual loans for all periods presented.

(2) Available-for-sale securities excludes certain noninterest-earning, marketable equity securities.

(3) The yield calculation for total investment securities, total interest-earning assets, net interest spread and net interest margin excludes the market valuation adjustment on available-for-sale securities.

(4) Statement 133 valuation adjustments related to time deposits, certificates of deposit of $100,000 or more and other interest-bearing liabilites are included in other liabilities.

(5) The taxable equivalent adjustment has been computed using a federal income tax rate of 35%, adjusted for applicable state income taxes net of the related federal tax benefit.

Unaudited
AmSouth Bancorporation
CONSOLIDATED PERIOD-END BALANCE SHEETS
($ in thousands)

	2004												2003
	December 31			September 30			June 30			March 31			December 31
ASSETS
Cash and due from banks	$	966,993		$	1,073,175		$	1,055,370		$	1,074,116		$	1,163,986
Federal funds sold and securities purchased under agreements to resell		-0-			26,000			87,000			654,000			-0-
Trading securities		1,883			1,121			11,092			552			2,721
Available-for-sale securities		6,322,665			6,516,319			6,586,697			6,371,254			7,125,971
Held-to-maturity securities		6,188,010			6,068,666			6,004,032			6,139,369			4,928,195
Loans held for sale		165,948			240,879			261,968			234,842			102,292
Loans net of unearned income:
Commercial and industrial		5,740,153			5,630,612			5,515,740			5,452,783			5,264,283
Commercial loans - secured by real estate		2,245,052			2,248,468			2,197,646			2,077,381			2,026,092
Commercial leases		2,179,074			2,088,136			1,974,396			1,974,093			1,962,437
Commercial real estate mortgages		2,867,968			2,659,296			2,642,411			2,670,401			2,359,209
Real estate construction		3,008,313			2,810,551			2,568,776			2,361,309			2,327,512
Residential first mortgages		5,019,100			4,726,022			4,189,126			3,598,004			3,646,329
Equity loans and lines		7,756,745			7,702,802			7,514,199			7,034,828			7,005,061
Dealer indirect		3,312,120			3,493,019			3,627,608			3,623,389			3,610,005
Revolving credit		27,230			572,352			555,763			535,884			550,521
Other consumer		582,907			570,963			565,832			565,651			587,915
Total loans net of unearned income		32,738,662			32,502,221			31,351,497			29,893,723			29,339,364
Allowance for loan losses		(366,774	)		(381,255	)		(382,482	)		(382,450	)		(384,124	)
Other interest-earning assets		36,149			37,151			11,813			44,735			40,218
Premises and equipment, net		1,060,574			1,053,923			1,020,033			993,651			964,692
Cash surrender value - bank owned life insurance		1,111,934			1,100,576			1,089,445			1,077,426			1,065,996
Goodwill and other intangibles		300,174			302,878			303,921			299,691			300,854
Accrued interest receivable and other assets		1,022,153			1,146,208			895,427			1,014,059			965,351
	$	49,548,371		$	49,687,862		$	48,295,813		$	47,414,968		$	45,615,516
LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits and interest-bearing liabilities:
Deposits:
Noninterest-bearing demand	$	7,182,806		$	6,798,077		$	6,636,325		$	6,544,028		$	6,273,835
Interest-bearing checking		7,115,545			6,817,361			6,809,885			6,737,060			6,183,832
Money market and savings deposits		8,810,972			7,814,945			7,827,390			7,887,543			7,592,020
Time		5,455,061			5,597,637			5,623,470			6,118,682			6,278,053
Certificates of deposit of $100,000 or more		4,021,014			3,963,015			3,638,933			3,103,575			2,818,490
Foreign		1,647,381			928,381			1,603,241			1,153,804			1,294,123
Total deposits		34,232,779			31,919,416			32,139,244			31,544,692			30,440,353
Federal funds purchased and securities sold under agreements to repurchase		2,291,988			2,497,632			2,145,521			1,927,492			2,026,253
Other borrowed funds		429,098			1,964,121			1,370,893			325,169			343,202
Long-term Federal Home Loan Bank advances		4,371,745			5,678,135			5,779,709			5,783,600			5,737,952
Other long-term debt		2,899,773			2,108,128			2,084,213			2,286,091			2,114,482
Total deposits and interest-bearing liabilities		44,225,383			44,167,432			43,519,580			41,867,044			40,662,242
Accrued expenses and other liabilities		1,754,147			2,069,872			1,480,755			2,175,575			1,723,605
Total liabilities		45,979,530			46,237,304			45,000,335			44,042,619			42,385,847
Shareholders’ equity:
Common stock		416,748			416,753			416,768			416,769			416,878
Capital surplus		726,411			714,278			714,134			714,262			715,663
Retained earnings		3,492,873			3,406,363			3,372,672			3,295,748			3,228,533
Treasury stock		(986,510	)		(1,019,471	)		(1,043,783	)		(1,054,734	)		(1,076,644	)
Deferred compensation on restricted stock		(12,947	)		(13,697	)		(14,496	)		(14,551	)		(14,501	)
Accumulated other comprehensive (loss)/income		(67,734	)		(53,668	)		(149,817	)		14,855			(40,260	)
Total shareholders’ equity		3,568,841			3,450,558			3,295,478			3,372,349			3,229,669
	$	49,548,371		$	49,687,862		$	48,295,813		$	47,414,968		$	45,615,516

Unaudited
AmSouth Bancorporation
CREDIT QUALITY STATISTICS
($ in thousands)

NET CHARGE-OFFS/(RECOVERIES)	Three Months Ended
	2004											2003
	December 31			September 30		June 30			March 31			December 31
Commercial:
Commercial & industrial	$	11,268		$	8,144	$	6,889		$	6,671		$	12,579
Commercial loans - secured by real estate		275			358		666			(78	)		445
Commercial leases		1,815			-0-		(380	)		83			910
Total commercial		13,358			8,502		7,175			6,676			13,934
Commercial real estate:
Commercial real estate mortgages		(3	)		37		581			(882	)		(87	)
Real estate construction		5			157		1,370			260			(10	)
Total commercial real estate		2			194		1,951			(622	)		(97	)
Consumer:
Residential first mortgages		912			529		660			783			596
Equity loans and lines		6,088			4,900		5,646			7,150			10,371
Dealer indirect		4,995			5,438		3,696			6,177			9,899
Revolving credit		3,525			5,003		4,841			5,124			5,716
Other consumer		4,251			4,171		2,599			2,718			4,016
Total consumer		19,771			20,041		17,442			21,952			30,598
	$	33,131		$	28,737	$	26,568		$	28,006		$	44,435

NET CHARGE-OFFS AS A PERCENT OF AVERAGE LOANS (Annualized)	Three Months Ended
	2004												2003
	December 31			September 30			June 30			March 31			December 31
Commercial:
Commercial & industrial		0.79	%		0.58	%		0.50	%		0.50	%		0.96	%
Commercial loans - secured by real estate		0.05			0.06			0.13			(0.02	)		0.09
Commercial leases		0.34			0.00			(0.08	)		0.02			0.19
Total commercial		0.53			0.34			0.30			0.29			0.61
Commercial real estate:
Commercial real estate mortgages		(0.00	)		0.01			0.09			(0.15	)		(0.01	)
Real estate construction		0.00			0.02			0.22			0.04			0.00
Total commercial real estate		0.00			0.01			0.15			(0.05	)		(0.01	)
Consumer:
Residential first mortgages		0.07			0.05			0.07			0.09			0.06
Equity loans and lines		0.31			0.26			0.31			0.41			0.59
Dealer indirect		0.59			0.60			0.41			0.69			1.07
Revolving credit		6.60			3.55			3.59			3.81			4.25
Other consumer		2.91			2.78			1.89			1.75			2.18
Total consumer		0.47			0.47			0.44			0.57			0.78
		0.41	%		0.36	%		0.35	%		0.38	%		0.60	%

Unaudited
AmSouth Bancorporation
CREDIT QUALITY STATISTICS (continued)
($ in thousands)

NONPERFORMING LOANS*	2004								2003
	December 31		September 30		June 30		March 31		December 31
Commercial:
Commercial & industrial	$	37,581	$	43,021	$	45,275	$	41,623	$	46,826
Commercial loans - secured by real estate		18,617		17,560		21,356		22,931		19,920
Commercial leases		2,048		2,242		2,899		3,444		3,277
Total commercial		58,246		62,823		69,530		67,998		70,023
Commercial real estate:
Commercial real estate mortgages		3,074		2,341		3,670		2,156		3,548
Real estate construction		1,286		1,551		2,912		5,308		7,581
Total commercial real estate		4,360		3,892		6,582		7,464		11,129
Consumer:
Residential first mortgages		21,899		19,817		18,393		17,525		15,987
Equity loans and lines		3,946		6,323		8,057		9,765		12,652
Dealer indirect		13		21		23		18		21
Other consumer		24		82		85		134		341
Total consumer		25,882		26,243		26,558		27,442		29,001
	$	88,488	$	92,958	$	102,670	$	102,904	$	110,153

* Exclusive of accruing loans 90 days past due.

ACCRUING LOANS 90 DASY PAST DUE	2004								2003
	December 31		September 30		June 30		March 31		December 31
Commercial & industrial	$	6,166	$	9,196	$	6,873	$	7,353	$	9,688
Commercial loans - secured by real estate		1,518		2,108		722		740		869
Commercial leases		-0-		-0-		-0-		24		69
Total commercial		7,684		11,304		7,595		8,117		10,626
Commercial real estate:
Commercial real estate mortgages		259		238		202		347		116
Real estate construction		145		-0-		-0-		-0-		-0-
Total commercial real estate		404		238		202		347		116
Consumer:
Residential first mortgages		9,401		11,127		9,217		9,901		12,364
Equity loans and lines		27,965		28,315		25,249		29,457		31,887
Dealer indirect		4,089		4,467		2,979		2,833		3,894
Revolving credit		518		7,085		6,823		6,728		7,117
Other consumer		1,056		1,191		907		812		1,456
Total consumer		43,029		52,185		45,175		49,731		56,718
	$	51,117	$	63,727	$	52,972	$	58,195	$	67,460

Unaudited
AmSouth Bancorporation
OTHER INFORMATION

REGULATORY CAPITAL RATIOS	2004												2003
	December 31*			September 30			June 30			March 31			December 31
Tier 1 capital ratio
AmSouth		8.02	%		7.76	%		7.79	%		7.78	%		7.71	%
AmSouth Bank		8.47			8.35			8.48			8.52			8.65
Total capital ratio
AmSouth		10.89	%		10.79	%		10.89	%		10.96	%		11.22	%
AmSouth Bank		11.00			10.95			11.14			11.25			11.59
Leverage ratio
AmSouth		6.72	%		6.56	%		6.60	%		6.68	%		6.66	%
AmSouth Bank		7.10			7.06			7.19			7.31			7.46

* Fourth quarter 2004 regulatory capital ratios based on preliminary data.