-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, E0pUtiCbwWGlADzyROaZgrK8maYXzBGdZXqM/FyDCBeWEx90GgJi9d6SG9C+8gQt 5/OgZvR9h4HmBpfm0c0CEQ== 0001171843-06-000082.txt : 20060420 0001171843-06-000082.hdr.sgml : 20060420 20060419180320 ACCESSION NUMBER: 0001171843-06-000082 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 4 CONFORMED PERIOD OF REPORT: 20060331 ITEM INFORMATION: Regulation FD Disclosure ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20060420 DATE AS OF CHANGE: 20060419 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIRST HORIZON NATIONAL CORP CENTRAL INDEX KEY: 0000036966 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 620803242 STATE OF INCORPORATION: TN FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-15185 FILM NUMBER: 06768202 BUSINESS ADDRESS: STREET 1: 165 MADISON AVENUE CITY: MEMPHIS STATE: TN ZIP: 38103 BUSINESS PHONE: 9018186232 MAIL ADDRESS: STREET 1: 165 MADISON AVENUE CITY: MEMPHIS STATE: TN ZIP: 38103 FORMER COMPANY: FORMER CONFORMED NAME: FIRST TENNESSEE NATIONAL CORP DATE OF NAME CHANGE: 19920703 FORMER COMPANY: FORMER CONFORMED NAME: FIRST TENNESSEE BANKS INC DATE OF NAME CHANGE: 19600201 8-K 1 f8k_04192006.htm FORM 8-K

SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
----------------------------------------------------------------------------------------------

FORM 8-K

CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934

Date of report (Date of earliest event reported) – April 19, 2006

FIRST HORIZON NATIONAL CORPORATION
(Exact Name of Registrant as Specified in Charter)

TENNESSEE 001-15185 62-0803242
(State or Other Jurisdiction
of Incorporation)		 (Commission
File Number) 		(IRS Employer
Identification No.)

165 MADISON AVENUE
MEMPHIS, TENNESSEE 		38103
(Address of Principal Executive Office) (Zip Code)


Registrant's telephone number, including area code - (901) 523-4444

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

□ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

□ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

□ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

□ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

ITEM 7.01. REGULATION FD DISCLOSURE

Furnished as Exhibit 99.1 is a copy of First Horizon National Corporation First Quarter 2006 Financial Supplement which is scheduled to be released April 19, 2006.

ITEM 9.01. Financial Statements and Exhibits

(c) Exhibits

The following exhibit is furnished pursuant to Item 7.01, is not to be considered "filed" under the Securities Exchange Act of 1934, as amended ("Exchange Act"), and shall not be incorporated by reference into any of First Horizon National Corporation's ("Corporation") previous or future filings under the Securities Act of 1933, as amended, or the Exchange Act.

Exhibit # Description
99.1 First Horizon National Corporation First Quarter 2006 Financial Supplement

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 hereunto duly authorized.

FIRST HORIZON NATIONAL CORPORATION
Date: April 19, 2006 By: /s/ Marlin L. Mosby III
Name: Marlin L. Mosby III
Title: Executive Vice President and Chief Financial Officer

Exhibit Index

The following exhibit is furnished pursuant to Item 7.01 is not to be considered “filed” under the Exchange Act, and shall not be incorporated by reference into any of the Corporation’s previous or future filings under the Securities Act of 1933, as amended, or the Exchange Act.

Exhibit # Description
99.1 First Horizon National Corporation First Quarter 2006 Financial Supplement
EX-99 2 exh991.htm EXHIBIT 99.1

FIRST QUARTER 2006
FINANCIAL SUPPLEMENT



The following supplement is provided to assist in your financial analysis.

If you need further information, please contact:

Mark Yates, SVP
Investor Relations
901/523-4068
myates@firsthorizon.com

First Horizon National Corporation
1Q 2006 Financial Supplement

Dear Investor,

In conjunction with the release of First Horizon National Corporation's first quarter results for 2006, we have prepared this financial supplement to assist investors in understanding First Horizon National Corporation's financial results.

This supplement compares current period results to earnings and other financial information from the previous four quarters.

Please feel free to call if you have any additional questions.

Regards,

Mark Yates
Senior Vice President
Investor Relations
901-523-4068

CONSOLIDATED SUMMARY
Quarterly, Unaudited
(Thousands)  1Q06   4Q05   3Q05   2Q05   1Q05 
Net interest income $245,721  $254,812  $260,160  $241,608  $227,447 
Noninterest income 286,025  314,150  347,005  320,038  322,944 
Divestitures                     7,029                           -                           -                           - 
Security G/L (80,281) (181) (406) 75  (66)
Total revenue 451,465  575,810  606,759  561,721  550,325 
Noninterest expense 443,215  413,292  426,175  406,222  384,537 
Provision 17,799  16,175  22,608  15,786  13,109 
Pretax loss (9,549) 146,343  157,976  139,713  152,679 
(Benefit)/provision for income taxes (12,959) 42,695  49,862  43,567  49,864 
Income from continuing operations 3,410  103,648  108,114  96,146  102,815 
Income from discontinued operations, net of tax 210,273  5,369  4,830  3,858  3,015 
Income before cumulative effect 213,683  109,017  112,944  100,004  105,830 
Cumulative effect of changes in accounting      
     principle, net of tax 1,345  (3,098) -  -  - 
Net income $215,028  $105,919  $112,944  $100,004  $105,830 
       
Tax rate NM 29% 32% 31% 33%
Efficiency ratio 98% 72% 70% 72% 70%
                 
Certain previously reported amounts have been reclassified to agree with current presentation.
NM - Not meaningful

1

FIRST HORIZON NATIONAL CORPORATION
SELECTED FINANCIAL DATA
Quarterly
(Unaudited)
(Dollars in thousands except per share data)  1Q06   4Q05   3Q05   2Q05   1Q05 
Income from continuing operations $3,410  $103,648  $108,114  $96,146  $102,815 
Income from discontinued operations, net of tax 210,273  5,369  4,830  3,858  3,015 
Cumulative effect of changes in accounting      
     principle, net of tax 1,345  (3,098)                          -                           -                           - 
Net income 215,028  105,919  112,944  100,004  105,830 
Common Stock Data      
     
Diluted earnings per common share:    
Diluted EPS from continuing operations                       .03   .80   .83   .74   .80 
Diluted EPS before cumulative effect of     
     changes in accounting principle                     1.66   .84   .87   .77   .83 
Diluted EPS                     1.67   .81   .87   .77   .83 
     
Diluted shares 129,100  130,043  129,924  129,428  128,032 
Period-end shares outstanding 123,230  126,222  126,003  125,111  124,131 
Dividends declared per share                       .45   .45   .43   .43   .43 
Selected Average Balances    
     
Total assets 37,689,523  37,720,410  38,090,993  36,282,202  34,091,441 
Total loans, net 20,642,081  19,761,281  18,545,835  17,612,835  16,516,044 
Investment securities 3,026,429  2,858,410  2,934,030  2,931,319  2,794,805 
Earning assets 33,142,044  33,191,778  33,562,038  31,619,216  29,367,168 
Deposits 22,939,767  23,918,717  23,981,764  22,522,907  21,604,023 
Total long-term debt 3,805,307  2,665,867  2,374,568  2,585,246  2,616,152 
Shareholders' equity 2,335,512  2,284,400  2,220,232  2,132,528  2,067,973 
Selected Period-End Balances    
     
Total assets 37,300,975  36,579,061  37,042,307  37,165,789  35,157,423 
Total loans, net 20,991,980  20,411,217  19,026,674  18,258,864  17,019,586 
Investment securities 2,944,826  2,912,486  2,842,016  2,998,495  2,899,916 
Earning assets 31,617,338  31,578,065  31,204,048  31,203,158  28,797,176 
Deposits 21,517,047  23,317,557  25,269,302  21,586,027  23,008,291 
Total long-term debt 4,599,339  3,437,643  2,000,113  2,537,046  2,591,354 
Shareholders' equity 2,399,608  2,347,539  2,292,337  2,216,914  2,124,800 
Goodwill 281,475  281,440  282,192  264,787  260,517 
Other intangible assets, net 76,666  76,647  76,893  75,818  78,104 
Mortgage servicing rights, net 1,475,448  1,314,629  1,210,284  1,018,029  1,135,645 
Selected Ratios and Other    
     
Return on average assets 2.31% 1.11% 1.18% 1.11% 1.26%
Return on average equity                   37.3                      18.4                      20.2                      18.8                      20.8   
     
FTE employees               13,053                  13,175                  13,164                  13,141                  12,903   
Certain previously reported amounts have been reclassified to agree with current presentation.

2

STATEMENTS OF INCOME
Quarterly, Unaudited
(Thousands)  1Q06   4Q05   3Q05   2Q05   1Q05 
Interest income $533,369  $519,475  $497,438  $438,385  $384,876 
Less interest expense 287,648  264,663  237,278  196,777  157,429 
  Net interest income 245,721  254,812  260,160  241,608  227,447 
Provision for loan losses 17,799  16,175  22,608  15,786  13,109 
  Net interest income after    
  provision for loan losses 227,922  238,637  237,552  225,822  214,338 
Noninterest income:    
  Mortgage banking 88,815  114,713  140,482  108,992  118,763 
  Capital markets 92,858  80,896  82,158  94,789  95,162 
  Deposit transactions    
  and cash management 38,023  42,196  41,268  39,471  33,255 
  Insurance commissions 14,686  13,144  12,673  13,525  14,749 
  Revenue from loan sales and securitizations 11,357  13,146  10,878  10,317  13,234 
  Trust services and investment    
  management 10,657  10,873  11,299  11,278  11,164 
  Gains on divestitures -  7,029  -  -  - 
  Securities (losses)/gains, net               (80,281)                    (181)                    (406)                        75                       (66)
  Other   29,629  39,182  48,247  41,666  36,617 
Total noninterest income 205,744  320,998  346,599  320,113  322,878 
  Adjusted gross income after    
  provision for loan losses 433,666  559,635  584,151  545,935  537,216 
Noninterest expense:    
  Employee compensation,    
  incentives and benefits 260,141  244,943  259,583  244,123  240,297 
  Occupancy 30,102  28,000  26,082  26,068  24,011 
  Operations services 17,440  18,363  18,739  18,402  16,445 
  Equipment rentals, depreciation,    
  and maintenance 20,264  19,108  19,033  18,741  17,485 
  Communications and courier 14,912  14,379  14,352  13,189  12,468 
  Amortization of intangible assets 2,888  2,667  2,893  2,604  2,536 
  Other 97,468  85,832  85,493  83,095  71,295 
Total noninterest expense 443,215  413,292  426,175  406,222  384,537 
Pretax (loss)/income (9,549) 146,343  157,976  139,713  152,679 
  (Benefit)/provision for income taxes (12,959) 42,695  49,862  43,567  49,864 
Income from continuing operations 3,410  103,648  108,114  96,146  102,815 
Income from discontinued operations,    
   net of tax 210,273  5,369  4,830  3,858  3,015 
     Income before cumulative effect 213,683  109,017  112,944  100,004  105,830 
Cumulative effect of changes in accounting    
     principle, net of tax 1,345  (3,098)                          -                           -                           - 
Net income $215,028  $105,919  $112,944  $100,004  $105,830 
                 
Certain previously reported amounts have been reclassified to agree with current presentation.

3

OTHER INCOME AND OTHER EXPENSE
Quarterly, Unaudited
(Thousands) 1Q06   4Q05   3Q05   2Q05   1Q05 
All other income:    
Bankcard income $6,916  $7,391  $6,998  $6,701  $6,046 
Other service charges 5,766  5,531  5,968  5,753  5,218 
Remittance processing  3,994  3,926  3,908  3,790  3,787 
Check clearing fees  1,727  1,801  1,885  1,778  1,869 
Other  11,226  20,533  29,488  23,644  19,697 
Total      $29,629   $39,182  $48,247  $41,666  $36,617 
All other expense:    
Advertising and public relations $11,995  $11,066  $11,246  $12,489  $11,520 
Legal and professional fees   8,295  11,879  11,910  11,445  8,500 
Travel and entertainment    6,972  7,834  7,446  8,472  7,270 
Computer software   7,987  7,374  7,327  7,755  6,086 
Contract employment  7,535  7,922  7,963  8,005  6,454 
Supplies   3,674  4,468  4,652  3,935  4,235 
Fed services fees   1,749  1,852  1,885  1,905  1,926 
Foreclosed real estate      8,341  1,835  3,547  (614) 2,497 
Deposit insurance premium     895  782  795  746  689 
Charitable contributions   490  418  938  457  374 
Distributions on preferred stock 4,050  3,806  3,374  3,577  - 
Other       35,485  26,596  24,410  24,923  21,744 
Total     $97,468  $85,832  $85,493  $83,095  $71,295 
Certain previously reported amounts have been reclassified to agree with current presentation.

4

CONSOLIDATED AVERAGE BALANCE SHEETS AND RELATED YIELDS AND RATES - QUARTERLY (Unaudited)
Average Interest
Revenue/
Expense		 Percent
Average
Rate/Yield


(Fully taxable equivalent)
(Dollars in thousands) 1Q06 1Q06 1Q06
Assets:
Earning assets:
Loans, net of unearned income*  $20,838,397   $363,577  7.07%
Loans held for sale       4,776,373        76,342  6.39 
Investment securities:
  U.S. Treasuries             72,265             781  4.38 
  U.S. government agencies       2,736,495        32,676  4.78 
  States and municipalities              1,916                 7  1.37 
  Other          215,753          2,548  4.72 
    Total investment securities       3,026,429        36,012  4.76 
Capital markets securities inventory       2,176,124        27,327  5.02 
Mortgage banking trading securities          442,453        11,246  10.17 
Other earning assets:
  Federal funds sold and securities 
     purchased under agreements to resell       1,866,146        18,995  4.13 
  Investment in bank time deposits            16,122             179  4.51 
    Total other earning assets       1,882,268        19,174  4.13 
Total earning assets/Interest income     33,142,044   $533,678  6.50%
Allowance for loan losses        (196,316)
Cash and due from banks          831,172 
Capital markets receivables          199,635 
Premises and equipment, net          418,882 
Other assets       3,294,106 
Total assets  $37,689,523 
Liabilities and shareholders' equity:
Interest-bearing liabilities:
Interest-bearing deposits:
  Savings  $     282,558   $     105  .15%
  Checking interest and money market       4,512,081        20,792  1.87 
  Certificates of deposit under 
     $100,000 and other time       2,602,581        25,338  3.95 
    Total interest-bearing core deposits       7,397,220        46,235  2.53 
Certificates of deposit $100,000 and more     10,626,088      119,296  4.55 
Federal funds purchased and securities
   sold under agreements to repurchase       4,745,621        47,821  4.09 
Capital markets trading liabilities       1,304,492        18,347  5.70 
Commercial paper and other short-term
   borrowings          765,178          8,423  4.46 
Total long-term debt       3,805,307        47,526  5.00 
Total interest-bearing liabilities/Interest      
   expense     28,643,906   $287,648  4.06%
Demand deposits       1,712,247 
Other noninterest-bearing deposits       3,204,212 
Capital markets payables          229,867 
Other liabilities       1,268,505 
Preferred stock of subsidiary          295,274 
Shareholders' equity       2,335,512 
Total liabilities and shareholders' equity  $37,689,523 
Net interest income-tax equivalent basis  $246,030 
Fully taxable equivalent adjustment          (309)
Net interest income  $245,721 
Net interest spread 2.44%
Effect of interest-free sources used to fund
   earning assets .55 
Net interest margin 2.99%
* Includes loans on nonaccrual status. 

Yields and corresponding income amounts are adjusted to a fully taxable equivalent.  Earning assets yields are expressed net of unearned income. 
Rates are expressed net of unamortized debenture cost for long-term debt.  Net interest margin is computed using total net interest income. 

5

CONSOLIDATED AVERAGE BALANCE SHEETS AND RELATED YIELDS AND RATES - QUARTERLY (Unaudited)
Average Balance Interest Revenue/Expense % Average Rate/Yield
(Fully taxable equivalent)
(Dollars in thousands) 4Q05 3Q05 2Q05 1Q05 4Q05 3Q05 2Q05 1Q05   4Q05 3Q05 2Q05 1Q05
Assets:
Earning assets:
Loans, net of unearned income* $19,952,086   $18,722,002   $17,782,262   $16,680,642   $338,113   $299,199   $264,919   $231,645  6.72% 6.34% 5.98% 5.63%
Loans held for sale       5,758,831        6,936,767        6,055,933        5,315,114        93,327      111,573        93,897        79,085  6.48  6.43  6.20  5.95 
Investment securities:
  U.S. Treasuries             42,419             40,315             40,208             43,843             394             232             230             216  3.68  2.29  2.30  2.00 
  U.S. government agencies       2,608,478        2,690,823        2,691,954        2,548,693        29,079        29,109        29,348        27,559  4.46  4.33  4.36  4.33 
  States and municipalities              2,787               3,544               5,459               6,913               23               37               73             101  3.25  4.30  5.35  5.85 
  Other          204,726           199,348           193,698           195,356          2,463          2,177          2,083          1,988  4.81  4.37  4.30  4.07 
    Total investment securities       2,858,410        2,934,030        2,931,319        2,794,805        31,959        31,555        31,734        29,864  4.47  4.30  4.33  4.27 
Capital markets securities inventory       2,160,676        2,158,334        2,069,131        2,235,004        27,126        27,029        22,714        24,528  5.02  5.01  4.39  4.39 
Mortgage banking trading securities          360,891           271,915           292,301           288,387        10,148          8,716          9,226          9,144  11.25  12.82  12.63  12.68 
Other earning assets:
  Federal funds sold and securities 
     purchased under agreements to resell       2,086,401        2,532,662        2,482,568        2,047,342        18,939        19,604        16,135        10,851  3.60  3.07  2.61  2.15 
  Investment in bank time deposits            14,483               6,328               5,702               5,874             154               47               50               30  4.22  2.92  3.57  2.09 
    Total other earning assets       2,100,884        2,538,990        2,488,270        2,053,216        19,093        19,651        16,185        10,881  3.61  3.07  2.61  2.15 
Total earning assets/Interest income     33,191,778      33,562,038      31,619,216      29,367,168   $519,766   $497,723   $438,675   $385,147  6.23% 5.90% 5.56% 5.29%
Allowance for loan losses        (190,805)        (176,167)        (169,427)        (164,598)
Cash and due from banks          781,178           769,813           727,429           729,802 
Capital markets receivables          288,292           393,513           742,190           880,462 
Premises and equipment, net          410,361           400,533           387,475           378,041 
Other assets       3,239,606        3,141,263        2,975,319        2,900,566 
Total assets  $37,720,410   $38,090,993   $36,282,202   $34,091,441 
Liabilities and shareholders' equity:
Interest-bearing liabilities:
Interest-bearing deposits:
  Savings  $     285,313   $     289,703   $     294,366   $     294,114   $       106   $       108   $       117   $         77  .15% .15% .16% .11%
  Checking interest and money market       4,409,563        4,287,166        4,319,510        4,273,739        18,460        16,153        13,656        11,206  1.66  1.49  1.27  1.06 
  Certificates of deposit under 
     $100,000 and other time       2,402,900        2,278,094        2,184,264        2,102,399        22,642        20,466        18,733        17,172  3.74  3.56  3.44  3.31 
    Total interest-bearing core deposits       7,097,776        6,854,963        6,798,140        6,670,252        41,208        36,727        32,506        28,455  2.30  2.13  1.92  1.73 
Certificates of deposit $100,000 and more     11,393,018      11,467,752      10,557,321      10,147,069      116,707      102,061        80,433        64,782  4.06  3.53  3.06  2.59 
Federal funds purchased and securities
   sold under agreements to repurchase       4,760,566        4,913,288        4,651,584        3,991,180        43,751        39,395        31,387        22,040  3.65  3.18  2.71  2.24 
Capital markets trading liabilities       1,351,785        1,665,342        1,589,408        1,470,515        19,556        23,237        20,591        16,807  5.74  5.54  5.20  4.64 
Commercial paper and other short-term
   borrowings       1,052,369        1,230,394           998,762           691,000        11,668        11,224          7,911          4,560  4.40  3.62  3.18  2.68 
Total long-term debt       2,665,867        2,374,568        2,585,246        2,616,152        31,773        24,634        23,949        20,785  4.77  4.16  3.71  3.18 
Total interest-bearing liabilities/Interest                        
   expense     28,321,381      28,506,307      27,180,461      25,586,168   $264,663   $237,278   $196,777   $157,429  3.71% 3.31% 2.90% 2.49%
Demand deposits       2,018,721        1,941,952        1,835,618        1,784,963 
Other noninterest-bearing deposits       3,409,202        3,717,097        3,331,828        3,001,739 
Capital markets payables          275,721           350,531           423,810           569,760 
Other liabilities       1,115,711        1,059,562        1,082,525        1,050,840 
Preferred stock of subsidiary          295,274           295,312           295,432             29,998 
Shareholders' equity       2,284,400        2,220,232        2,132,528        2,067,973 
Total liabilities and shareholders' equity  $37,720,410   $38,090,993   $36,282,202   $34,091,441 
Net interest income-tax equivalent basis  $255,103   $260,445   $241,898   $227,718 
Fully taxable equivalent adjustment (291) (285) (290)          (271)
Net interest income  $254,812   $260,160   $241,608   $227,447 
Net interest spread 2.52% 2.59% 2.66% 2.80%
Effect of interest-free sources used to fund
   earning assets .54  .50  .40  .32 
Net interest margin 3.06% 3.09% 3.06% 3.12%
* Includes loans on nonaccrual status. 
Yields and corresponding income amounts are adjusted to a fully taxable equivalent.  Earning assets yields are expressed net of unearned income.  
Rates are expressed net of unamortized debenture cost for long-term debt.  Net interest margin is computed using total net interest income. 

6

AVERAGE AND PERIOD-END LOANS
Quarterly, Unaudited
(Millions)  1Q06  4Q05 3Q05 2Q05 1Q05
Average loans:    
Loans, net of unearned income:    
  Commercial:    
  Commercial, financial and industrial $  6,415.4  $  6,357.0  $  6,176.2  $  5,894.5  $  5,480.1 
  Real estate commercial 1,225.0  1,208.9  1,163.2  1,086.3  1,004.5 
    Real estate construction 2,197.7  1,973.1  1,735.9  1,546.2  1,306.0 
   Total commercial loans 9,838.1  9,539.0  9,075.3  8,527.0  7,790.6 
  Retail:    
  Real estate residential 8,629.4  8,123.6  7,593.7  7,533.5  7,385.8 
  Real estate construction 1,961.7  1,874.8  1,643.9  1,321.2  1,105.4 
  Other retail 164.6  170.5  167.5  161.1  160.7 
  Credit card receivables 238.1  244.2  241.6  239.5  238.1 
  Real estate loans pledged against     
      other collateralized borrowings (a) 6.5  -  -  -  - 
     Total retail loans 11,000.3  10,413.1  9,646.7  9,255.3  8,890.0 
  Total loans, net of unearned income $20,838.4  $19,952.1  $18,722.0  $17,782.3  $16,680.6 
     
       
     
Period-end loans:    
Loans, net of unearned income:    
  Commercial:    
  Commercial, financial and industrial $  6,538.8  $  6,578.1  $  6,354.4  $  6,181.6  $  5,781.3 
  Real estate commercial 1,232.0  1,213.1  1,171.6  1,128.2  1,030.1 
    Real estate construction 2,277.8  2,108.1  1,849.1  1,662.8  1,428.0 
   Total commercial loans 10,048.6  9,899.3  9,375.1  8,972.6  8,239.4 
  Retail:    
  Real estate residential 8,486.4  8,357.1  7,603.3  7,549.9  7,358.9 
  Real estate construction 2,001.9  1,925.1  1,814.6  1,499.5  1,190.1 
  Other retail 161.6  168.4  170.7  163.8  160.5 
  Credit card receivables 194.9  251.0  248.0  242.8  234.9 
  Real estate loans pledged against     
      other collateralized borrowings (a) 293.6  -  -  -  - 
     Total retail loans 11,138.4  10,701.6  9,836.6  9,456.0  8,944.4 
    Total loans, net of unearned income $21,187.0  $20,600.9  $19,211.7  $18,428.6  $17,183.8 
Certain previously reported amounts have been reclassified to agree with current presentation.
(a) During this quarter we completed an on-balance sheet securitization, which is structured as a financing for accounting purposes, rather than as a sale in the case of off-balance sheet securitizations.

7

RETAIL/COMMERCIAL BANKING 
Quarterly, Unaudited 
(Thousands)   1Q06   4Q05    3Q05    2Q05    1Q05  
Net interest income  $224,869  $227,699  $224,894  $211,294  $198,653 
Noninterest income  106,493                106,681  106,565  99,830  100,859 
Divestitures                           -                    7,029                           -                           -                           - 
Security G/L                           -                           -                           -                           -                           - 
Total revenue  $331,362                341,409                331,459  311,124  299,512 
Total noninterest expense                215,555                203,017                199,541                192,645                179,634 
Provision  18,026  15,897  22,428  15,667  13,069 
Pretax income  $97,781  $122,495  $109,490  $102,812  $106,809 
                 
Efficiency ratio  65% 59% 60% 62% 60%
       
Average loans (millions)  $20,590  $19,785  $18,613  $17,700  $16,622 
Other earning assets (millions)  884  1,599  2,250  1,844  1,774 
  Total earning assets (millions)  $21,474  $21,384  $20,863  $19,544  $18,396 
       
Total deposits  $11,510  $11,280  $10,916  $10,606  $10,384 
       
Net interest margin  4.25% 4.22% 4.28% 4.34% 4.38%
       
Noninterest revenue detail       
Deposit transactions & cash mgmt  $38,011  $42,191  $41,298  $39,440  $33,254 
Insurance commissions  14,236  12,693  12,236  13,085  14,287 
Trust services & investment mgmt  10,657  10,873  11,300  11,278  11,164 
Bankcard Income 6,660  7,184  6,769  6,501  5,882 
Other service charges  5,356  5,078  5,367  5,219  4,806 
Check clearing fees  1,727  1,801  1,885  1,778  1,869 
Revenue from loan sales and       
   securitizations (a)  8,238  10,630  8,638  8,386  11,114 
Miscellaneous revenue  21,608  16,231  19,072  14,143  18,483 
Total noninterest revenue  $106,493  $106,681  $106,565  $99,830  $100,859 
       
Statistics       
Trust total assets (millions)(b)   $11,878  $11,971  $12,451  $12,208  $12,164 
Trust total managed assets (millions)(b)  6,419  6,707  6,984  7,158  7,204 
(a)  Includes gains from whole-loan sales and net revenue from asset securitizations   
(b)  Current quarter is an estimate 
Certain previously reported amounts have been reclassified to agree with current presentation. 

8

MORTGAGE BANKING 
Quarterly, Unaudited 
(Thousands)   1Q06   4Q05   3Q05    2Q05    1Q05  
Net interest income  $25,415  $34,619  $41,769  $37,886  $33,248 
Noninterest income:      
  Net origination fees  72,339  87,545  115,541  95,676  99,964 
  Net servicing fees  10,717  20,175  17,951  6,295  13,765 
  Other fees  11,648  12,182  17,762  15,769  8,846 
Total noninterest income  94,704  119,902  151,254  117,740  122,575 
Total revenue  120,119  154,521  193,023  155,626  155,823 
Noninterest expense  125,699  115,398  132,365  113,677  110,016 
Provision                     (227)                      278                       180                       119                         40 
Pretax loss ($5,353) $38,845  $60,478  $41,830  $45,767 
         
Noninterest expense detail       
Commissions & incentives  $53,385  $62,946  $84,774  $77,400  $57,718 
FAS 91 cost deferral  (1,743) 4,813  4,616  (1,332) (2,574)
Other salaries & benefits  63,709  58,783  61,296  60,010  57,968 
  Total salaries & benefits  115,351  126,542  150,686  136,078  113,112 
Contract labor & outsourcing  4,771  4,938  5,059  5,296  4,456 
Equipment & occupancy  17,953  17,633  16,554  16,786  15,600 
Foreclosure provision  7,051  1,264  3,063  (647) 2,414 
Other expenses  44,872  42,399  50,014  46,016  42,825 
Total expenses before FAS 91 reclass  189,998  192,776  225,376  203,529  178,407 
FAS 91 reclassification  (67,178) (82,257) (97,429) (92,667) (70,808)
Total noninterest expense before       
  segment allocations  122,820  110,519  127,947  110,862  107,599 
Segment allocations  2,879  4,879  4,418  2,815  2,417 
 Total noninterest expense   $125,699  $115,398  $132,365  $113,677  $110,016 
       
Other information       
Efficiency ratio  105% 75% 69% 73% 71%
       
Warehouse (millions)  $3,539  $3,854  $4,583  $4,081  $3,522 
Other earning assets (millions)  724  580  394  391  343 
  Total earning assets (millions)  $4,263  $4,434  $4,977  $4,472  $3,865 
       
Escrow balances  $1,641  $2,034  $2,334  $2,054  $1,724 
       
Net interest margin  2.42% 3.10% 3.33% 3.40% 3.49%
       
Warehouse Spread  1.77% 2.06% 2.33% 2.66% 2.89%
                 
Certain previously reported amounts have been reclassified to agree with current presentation. 
*See Note 1 - Financial Glossary

9

MORTGAGE BANKING
Quarterly, Unaudited
(Thousands)    1Q06   4Q05   3Q05   2Q05   1Q05 
ORIGINATION INCOME      
Origination Fees $67,043  $79,808  $104,395  $97,468  $76,050 
FAS 91 Fee Deferral               (126)              4,932               4,846             (3,774)               (939)
Appraisal, Final Inspection,       
     Credit Report Fees              6,778               7,574               9,639               8,967               6,926 
  Total origination fees            73,695             92,314           118,880           102,661             82,037 
       
Secondary Marketing Income:      
Prime:      
OMSR, SRP            73,896             88,023           110,813             82,641             74,248 
Marketing G/L (Trading Gains)              22,277             21,236            15,167             19,875             27,555 
Concessions          (34,093)          (35,560)          (39,370)          (27,176)          (21,813)
LOCOM                     666                  614             (1,840)               (837)                 553 
Subtotal Prime              62,746             74,313             84,770            74,503             80,543 
       
Non-Prime:      
OMSR, SRP              4,339               4,995             12,221             11,064               9,127 
Marketing G/L (Trading Gains)                       4                      1                    (2)                     9                    (1)
Concessions                   73                (249)               (440)               (143)               (131)
LOCOM            (1,340)            (1,572)            (2,459)                 249                (803)
Subtotal Non-Prime                3,076               3,175               9,320             11,179               8,192 
  Total Secondary Marketing Fees -      
          Mortgage              65,822             77,488             94,090             85,682             88,735 
       
FAS 91 Reclassification          (67,178)          (82,257)          (97,429)          (92,667)          (70,808)
       
Total Origination Income            72,339  $87,545  $115,541  $95,676  $99,964 
       
KEY ORIGINATIONS METRICS      
       
Production ($ in millions):      
  First Lien Production $6,865  $7,991  $10,557  $9,526  $7,618 
       
Refinanced Production               2,793               3,259               4,387               3,545               3,588 
Refinanced % 41% 41% 42% 37% 47%
Purchased Production              4,072               4,732               6,170               5,981               4,030 
Purchased % 59% 59% 58% 63% 53%
       
ARMs % (Excluding Gov't ARMS) 33% 37% 41% 50% 45%
       
Total Sales Force 2,609  2,630  2,602  2,629  2,574 
       
Warehouse/Pipeline Balance:      
Ending Warehouse Balance 2,813  2,942  3,159  3,663  3,515 
Ending Pipeline Balance (Locked)              3,691               3,119               3,930               5,209               4,065 
       
Loan Sales (Deliveries):      
Prime 6,364  7,474  10,071  8,395  7,046 
Non-Prime 443  416  492  343  335 
Total Loan Sales 6,807  7,890  10,563  8,738  7,381 
       
Margins:      
Marketing Margin on Deliveries (bps):      
Prime: 99  99  84  89  114 
Non-Prime 69  76  189  326  245 
Total Marketing Margin on Deliveries 97  98  89  98  120 
Certain previously reported amounts have been reclassified to agree with current presentation.

10

MORTGAGE BANKING
Quarterly, Unaudited
     1Q06   4Q05   3Q05   2Q05   1Q05 
(Thousands)   $ bps $ bps $ bps $ bps $ bps
SERVICING INCOME                      
Gross Service Fees $93,454  39 $91,735  39 $88,866  38 $87,285  39 $85,908  39
Guarantee Fees      (18,876) (8)      (18,980) (8)      (18,900) (8)      (19,039) (9)      (19,127) (9)
Sub-Service Fee Income              64      -             144   -             101      -               40      -                 4      - 
Lender Paid MI            108      -            (168)  -            (145)     -            (159)     -            (121)     - 
  Net Service Fees         74,750  31        72,731  31        69,922  30        68,127  30        66,664  30 
         
Early Payoff Interest Expense        (3,838)   (2)        (5,164)   (2)        (6,844)   (3)        (5,742)   (2)        (5,193)   (2)
Ancillary Fees         6,934  3          6,698  3          6,601  3          6,001  3          6,411  3 
  Total Service Fees         77,846  32        74,265  32        69,679  30        68,386  31        67,882  31 
         
MSR Asset - Value Changes        
Change in MSR Value - Runoff      (58,836)        (71,669)      (71,981)      (68,067)      (59,435)  
Change in MSR Value - Other than Runoff       95,961          55,684      129,596     (141,417)       74,754   
MSR Hedge Gains/(Losses)      (98,290)        (32,673)      (99,271)     159,440       (55,111)  
    Total Net Change MSR Value        (61,165)        (48,658)        (41,656)        (50,044)        (39,792)  
         
Trading Asset & Associated Derivatives:        
Change in Trading Asset Value         8,467            3,720        15,892       (25,260)         7,290   
Trading Asset Hedge Gains/(Losses)      (10,932)          (5,722)      (15,766)       24,819         (8,376)  
    Total Trading Asset & Associated Derivatives        (2,465)          (2,002)              126              (441)          (1,086)  
         
Option Expense on Servicing Hedges        (3,499)          (3,430)      (10,198)      (11,606)      (13,239)  
                       
Total Servicing Income         10,717          20,175          17,951            6,296          13,765   
         
KEY SERVICING METRICS        
($ in millions)        
Avg. Servicing Portfolio (Owned) $96,147    $94,388  $92,235  $89,366  $87,397   
End. Servicing Portfolio (Owned) $97,303    $95,284  $93,589  $90,823  $88,010   
Average Loans Serviced (#)     620,476        616,649      610,895      599,361      598,997   
         
Product Mix (Average)         
Product Mix (%)        
GNMA 9%   9% 9% 10% 11%  
FNMA/FHLMC 65%   65% 67% 68% 69%  
Private   23%   22%   20%   18%   16%  
Sub-Total 97%   96% 96% 96% 96%  
Warehouse 3%   4% 4% 4% 4%  
Total   100%   100%   100%   100%   100%  
         
Other Statistics        
(Annualized)        
Ancillary Income per Loan $44.70    $43.45  $43.22  $40.05  $42.81   
Servicing Cost per Loan $53.01    $52.00  $51.80  $52.08  $54.12   
         
Portfolio Data        
(in millions)        
Average Servicing Asset ** 1,350   1,262 1,106 1,062 1,049  
Valuation Reserve (Ending Balance)                 -    1 1 6 3  
Servicing Book Value (bps) 140   134 120 119 120  
         
Amort, Impair, and Fair Value/        
        Average Servicing Asset 14%   16% 17% 26% 22%  
         
Run-Off Rate 17%   22% 28% 25% 22%  
         
** Includes valuation reserve/MSRs only                    
Certain previously reported amounts have been reclassified to agree with current presentation.

11

CAPITAL MARKETS 
Quarterly, Unaudited 
(Thousands)   1Q06   4Q05    3Q05    2Q05    1Q05  
NII     $ ( 594) $ ( 957) $ ( 2,563) $ ( 4,863) $ ( 576)
Incremental cost of equity                 (4,969)                 (4,856)                 (5,181)                 (4,549)                 (4,649)
Net interest income   ( 5,563)  ( 5,813)  ( 7,744)  ( 9,412)  ( 5,225)
Noninterest income:       
  Fixed income  50,602  44,397  43,870  50,819  63,020 
  Other  48,301  40,421  42,371  49,399  33,407 
Total noninterest income  98,903  84,818  86,241  100,218  96,427 
Total revenue  93,340  79,005  78,497  90,806  91,202 
Noninterest expense  86,379  75,759  76,093  82,757  81,813 
Pretax income  $6,961  $3,246  $2,404  $8,049  $9,389 
         
       
Efficiency ratio  93% 96% 97% 91% 90%
       
Trading inventory (millions)  $2,175  $2,160  $2,158  $2,069  $2,235 
Other earning assets (millions)  2,149  2,285  2,512  2,493  1,964 
  Total earning assets (millions)  $4,324  $4,445  $4,670  $4,562  $4,199 
       
       
Net interest margin  (0.52)% (0.52)% (0.66)% (0.83)% (0.50)%
       
                 
Certain previously reported amounts have been reclassified to agree with current presentation.

12

CORPORATE 
Quarterly, Unaudited 
(Thousands)   1Q06   4Q05    3Q05    2Q05    1Q05  
Net interest income  $ 1,000  $ ( 1,693) $ 1,241  $ 1,840  $ 771 
Noninterest income  (14,075) 2,749  2,945  2,250  3,083 
Security G/L  (80,281) (181) (406)                        75                       (66)
Total revenue  (93,356) 875  3,780  4,165  3,788 
Total noninterest expense  15,582  19,118  18,176  17,143  13,074 
Pretax loss  $ (108,938) $ (18,243) $ (14,396) $ (12,978) $ (9,286)
                 

13

CAPITAL HIGHLIGHTS
(Dollars in millions except per share amounts, Unaudited)
     1Q06  4Q05 3Q05 2Q05 1Q05
Tier 1 Capital (a) $  2,558.2  $  2,489.0  $  2,430.8  $  2,364.8  $  2,292.3 
Tier 2 Capital (a) 1,344.5  1,090.5  1,112.5  1,096.7  1,108.8 
  Total Capital (a) $  3,902.7  $  3,579.5  $  3,543.3  $  3,461.5  $  3,401.1 
     
Risk-Adjusted Assets (a) $29,582.9  $29,111.9  $28,225.1  $27,464.8  $25,736.7 
     
Tier 1 Ratio (a) 8.65% 8.55% 8.61% 8.61% 8.91%
Tier 2 Ratio (a)                4.54                   3.75                   3.94                   3.99                   4.30   
  Total Capital Ratio (a) 13.19% 12.30% 12.55% 12.60% 13.21%
     
Leverage Ratio (a) 6.86% 6.67% 6.45% 6.59% 6.80%
     
Shareholders' Equity/Assets Ratio (b)                 6.43                   6.42                   6.19                   5.96                   6.04   
     
Book Value $ 19.36    $ 18.46    $ 18.06    $ 17.59    $ 16.99   
             
(a)  Current quarter is an estimate
(b)  Calculated on period-end balances

14

Note 1 □ Financial Glossary

Appraisal Fees: A fee charged to the borrower for the cost of appraising a property.

Concessions: The net amount of the total of the discount or premium pricing charged to the borrower upon loan origination. This also includes the servicing release premium paid to correspondents to purchase loans. Discount pricing is used to competitively price mortgage loans.

Credit Report Fee: A fee charged to the borrower for the cost of reviewing the borrower's credit report.

FAS 91 Fee Deferral: The timing difference between recording origination fees on a loan. Per FAS 91, origination fees can only be recognized at the time the loan is sold, not at the time the loan is originated.

FAS 91 Reclassification: The reclassification of the cost of originating the loans sold during the period.

Final Inspection Fee: A fee charged to the borrower to inspect a property.

Lower of Cost or Market (LOCOM): A method of accounting for certain assets by recording them at the lower of their historical cost or their current market value.

Marketing G/L (Trading Gains): The net result of hedging activities.

Other Mortgage Servicing Rights (OMSR): Represents the amount by which the present value of the estimated future net cash flows from servicing mortgage loans exceeds the cost of servicing mortgage loans.

Origination Fees: A fee charged to the borrower by the lender to originate a loan. Usually stated as a percentage of the face value of the loan.

Servicing Right Premium (SRP): The premium received for selling loans on a servicing released basis.

15

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