Exhibit 99.1

THIRD QUARTER 2009

FINANCIAL SUPPLEMENT

If you need further information, please contact:
Aarti Bowman, Investor Relations
901-523-4017
aagoorha@firsthorizon.com

TABLE OF CONTENTS

		Page
First Horizon National Corporation Segment Structure			3
Performance Highlights			4
Charges for Restructuring, Repositioning, & Efficiency Initiatives			6
Consolidated Results
Income Statement
Summary Results			7
Income Statement			8
Other Income and Other Expense			9
Balance Sheet
Period End Balance Sheet			10
Average and Period End Loans			11
Average Balance Sheet			12
Average Balance Sheet: Income & Expense			13
Average Balance Sheet: Yields & Rates			14
Mortgage Servicing Rights			15
Business Segment Detail
Segment Highlights			16
Regional Banking			17
Capital Markets			18
Corporate			19
Mortgage Banking			20
Mortgage Banking: Servicing			21
National Specialty Lending			22
Capital Highlights			23
Asset Quality
Asset Quality: Consolidated			24
Analysis of Individually Impaired Loans, ORE, & NPL Rollforward			26
Asset Quality: Regional Banking			27
Asset Quality: Mortgage Banking & Capital Markets			28
Asset Quality: National Specialty Lending			29
Asset Quality Highlights: Key Portfolios — Commercial			30
Asset Quality Highlights: Key Portfolios — Consumer			31
Asset Quality Process			32
Glossary of Terms			33
Non-GAAP to GAAP Reconciliation			34

Other Information

This financial supplement contains forward-looking statements involving significant risks and uncertainties. A number of important factors could cause actual results to differ materially from those in the forward-looking information. Those factors include general economic and financial market conditions, including expectations of and actual timing and amount of interest rate movements including the slope of the yield curve, competition, customer and investor responses to these conditions, ability to execute business plans, geopolitical developments, recent and future legislative and regulatory developments, natural disasters, and items mentioned in this financial supplement and in First Horizon National Corporation’s (FHN) most recent press release, as well as critical accounting estimates and other factors described in FHN’s recent filings with the SEC. FHN disclaims any obligation to update any such factors or to publicly announce the result of any revisions to any of the forward-looking statements included herein or therein to reflect future events or developments.

Use of Non-GAAP Measures

Certain capital-related non-GAAP ratios are included in this financial supplement. FHN’s management believes such ratios are relevant to understanding the capital position and results of the Company. The non-GAAP ratios presented in this Financial Supplement are tangible common equity to tangible common assets, tangible book value per common share, tier 1 common to risk weighted assets, and adjusted tangible common equity to risk weighted assets. These ratios are reported to FHN’s management and Board of Directors through various internal reports. Additionally, disclosure of these ratios provides a meaningful base for comparability to other financial institutions as these ratios have become an important measure of the capital strength of banks as demonstrated by the inclusion in the stress tests administered by the United States Treasury Department under the Capital Assistance Program. Non-GAAP measures are not formally defined by GAAP or codified in the federal banking regulations, and other entities may use calculation methods that differ from those used by FHN. Tier 1 capital is a regulatory term and is generally defined as the sum of core capital (including common equity and instruments that can not be redeemed at the option of the holder) adjusted for certain items under risk based capital regulations. Also a regulatory term, risk weighted assets includes total assets adjusted for credit risk and is used to determine capital ratios. Refer to the tabular reconciliation of non-GAAP to GAAP measures and presentation of the most comparable GAAP items on page 34 of this financial supplement.

FIRST HORIZON NATIONAL CORPORATION SEGMENT STRUCTURE

Regional Banking

	-Traditional banking services for consumers and businesses
	-Activities include lending and deposit taking, investments, insurance, financial planning, trust services, asset management, cash management, and health savings accounts
	-Primarily southeastern U.S. footprint, with 183 financial centers in Tennessee and nearby markets
	-First Tennessee banking franchise and middle market lending are key businesses

Capital Markets

	-Fixed income sales, trading, and strategies for institutional clients in U.S. and abroad
	-Other capital markets products include:

	-Portfolio advisory
	-Derivatives
	-Loan trading
	-Equity research

-Correspondent banking provides credit, depository, and other banking related services to other financial institutions

Corporate

	-Includes executive management, enterprise-wide risk management, corporate finance, corporate communications, low income housing activities, and legal functions
	-Also includes funding function for the corporation and any impact from balance sheet positioning

Mortgage Banking

	-Primarily consists of first lien mortgage originations in the Tennessee market and legacy servicing
	-In a transaction that closed on August 31, 2008, First Horizon National Corp. sold its mortgage servicing platform and origination offices outside Tennessee to MetLife Bank, N.A.

National Specialty Lending

	-Wind-down portfolio that includes lending activities such as consumer lending and construction lending outside the Regional Banking footprint
	-Construction lending includes national home builder, one-time close, and commercial real estate portfolios

-In January 2008, FHN announced the discontinuation of national home builder and commercial real estate lending through its First Horizon Construction Lending offices

-Consumer lending consists mainly of national retail-originated home equity loans and lines

PERFORMANCE HIGHLIGHTS

Summary of Third Quarter 2009 Significant Items (in millions)

(Third Quarter 2009 vs. Second Quarter 2009)

Asset Quality

-	Allowance as a percentage of loans ratio increased to 510 basis points from 491 basis points in prior quarter

-

Increase in ratio is primarily due to a decline in period-end loan balances

-	NPAs decreased slightly from prior quarter; NPA ratio increased to 638 basis points from 615 basis points

-

NPL decline is primarily a result of OTC wind down

-	Provision expense decreased to $185.0 million in third quarter compared to $260.0 million in second quarter
-	Commercial Portfolio

	-	Increase in C&I reserves is primarily related to deterioration in bank holding company and trust preferred loan portfolios
	-	Income CRE reserves increased; portfolio affected by current economic conditions
	-	Residential CRE reserves decreased as national portfolio winds down

-	Consumer Portfolio

	-	Home equity required reserves slightly increased in national specialty
	-	Permanent mortgage reserves relatively stable
	-	OTC reserves decreased by $55.0 million as a result of the portfolio wind-down and better than expected resolutions

-	Net charge-offs were 424 annualized basis points of average loans from 477 basis points in prior quarter

-

Net charge-offs were $201.7 million in third quarter compared to $239.4 million in prior quarter

-

C&I net charge-offs ratio increased; all other portfolios were flat or decreased from prior quarter

-

C&I increase primarily driven by bank holding company and trust preferred loans

-

Charging off almost all impaired commercial loan balances down to most likely estimate of collateral value net of costs to sell

Capital

-	Continued quarterly dividend payable in common stock
-	Current ratios improved and continue to benefit from balance sheet contraction (estimated based on period end balances)

	-	7.9% for tangible common equity to tangible assets
	-	16.2% for Tier I
	-	21.6% for Total Capital
	-	9.9% for Tier 1 Common

-	CPP Preferred dividend of $14.9 million in third quarter

	-	$10.8 million effect of cash dividend
	-	$4.1 million of amortization to accrete initial discounted book value up to face value

PERFORMANCE HIGHLIGHTS (continued)

(Third Quarter 2009 vs. Second Quarter 2009)

Regional Banking

-	Net interest margin expanded to 4.80% compared to 4.72% in second quarter

-

Reflects increase in commercial loan spreads

-	Noninterest income flat at $81.4 million for both periods
-	Provision expense increased to $63.1 million from $51.0 million

-

Deterioration in Income CRE portfolio; increased reserves

-	Noninterest expense was relatively flat at $169.8 million compared to $168.4 million in prior quarter

	-	Credit losses on customer derivatives of $5.6 million
	-	Foreclosure losses increased $3.8 million as a result of OREO dispositions and fair value adjustments
	-	Prior quarter included $5.0 million allocation of FDIC special assessment

Capital Markets

-	Fixed income revenues were $120.5 million in third quarter compared to $170.1 million in prior quarter

-

Average daily revenue of $1.9 million in third quarter; revenues beginning to normalize

-	Other product revenues were $10.3 million in third quarter compared to $11.4 million in second quarter
-	Provision expense increased to $54.2 million from $21.1 million

-

Primarily reflects continued stress on bank holding company and trust preferred loan portfolios

-	Noninterest expense decreased $18.5 million to $86.6 million as a result of lower production volumes

Corporate

-	Noninterest income increased due to $12.8 million gain on the repurchase of bank debt
-	Noninterest expense decreased as a result of the reversal of $7.0 million contingent liability for certain Visa legal matters
-	Pre-tax restructuring charges were $15.7 million in third quarter 2009; minimal in second quarter

-

$14.0 million goodwill impairment related to an agreement to sell the Capital Markets institutional equity research business

Mortgage Banking

-	Noninterest income increased to $60.8 million from $19.2 million in second quarter

-

Positive net hedging results were $30.8 million compared to $6.2 million in second quarter

-

Less rate volatility experienced in current quarter

-

Increased origination income primarily due to $5 million positive fair value adjustment to the mortgage warehouse

-

Prior quarter included a negative $10 million fair value adjustment

-	Noninterest expense decreased to $48.1 million in third quarter from $63.2 million in prior quarter

	-	Provisioning for foreclosure and repurchase losses related to legacy origination platform of $25.8 million in third quarter; $29.1 million in prior quarter
	-	Third quarter PMI reinsurance liability charges of $1.1 million; decrease of $7.0 million from prior quarter

-	Provision expense decreased $23.3 million due to improved performance of permanent mortgage portfolio

National Specialty Lending

-	Period-end loans declined approximately $500 million
-	Provision for loan losses decreased $96.8 million

-

Reflects $47.3 million reserve release primarily due to wind-down of OTC portfolio

-	Noninterest income increased sequentially to $6.1 million from a loss of $9.1 million

-

Minimal reserve reversal in third quarter for consumer repurchase obligations; $12.0 million expense recognized in second quarter

-

Decrease resulting from settlement of repurchase obligation for substantial portion of prior consumer loan sales

-	Noninterest expense decreased to $28.2 million from $41.0 million in second quarter

-

Prior quarter included higher foreclosures losses and allocation of the FDIC special assessment

Taxes

-	Approximately $8 million positive quarterly effect from permanent tax credits

-

More than offset by an $8.4 million negative tax affect due to surrender of BOLI contract in the third quarter

CHARGES FOR RESTRUCTURING, REPOSITIONING, & EFFICIENCY INITIATIVES Quarterly, Unaudited

(Thousands, rounded)		3Q09				2Q09				1Q09				4Q08				3Q08
By Income Statement Impact
Noninterest income
Mortgage banking		$	—			$	—			$	(1,100	)		$	—			$	(700	)
Losses on divestitures			—				—				—				(100	)			(17,500	)
Noninterest expense
Employee compensation, incentives, and benefits			700				700				2,700				500				10,300
Legal and professional fees			—				—				100				300				(100	)
Occupancy			800				(600	)			—				(200	)			3,900
Equipment rentals, depreciation, and maintenance			—				—				—				—				100
All other expense			—				200				800				9,500				1,100
Total loss before income taxes			(1,500	)			(300	)			(4,700	)			(10,200	)			(33,500	)
Loss from discontinued operations, net of tax (a)			(14,200	)			—				—				(100	)			(400	)
Net loss		$	(15,700	)		$	(300	)		$	(4,700	)		$	(10,300	)		$	(33,900	)

Certain previously reported amounts have been reclassified to agree with current presentation.
(a)		3Q09 primarily includes goodwill impairment related to the Capital Markets institutional equity research business.

CONSOLIDATED SUMMARY RESULTS Quarterly, Unaudited

																						3Q09 Change vs.
(Thousands)		3Q09				2Q09				1Q09				4Q08				3Q08				2Q09				3Q08
Income Statement Highlights
Net interest income		$	190,901			$	199,086			$	196,587			$	204,948			$	223,147				(4	)%			(14	)%
Noninterest income			303,753				284,513				399,348				325,021				296,283				7	%			3	%
Securities gains/(losses), net			65				(330	)			(2	)			1,346				(210	)			120	%			131	%
Total revenue			494,719				483,269				595,933				531,315				519,220				2	%			(5	)%
Noninterest expense			349,901				402,486				407,803				334,569				387,515				(13	)%			(10	)%
Provision for loan losses			185,000				260,000				300,000				280,000				340,000				(29	)%			(46	)%
Loss before income taxes			(40,182	)			(179,217	)			(111,870	)			(83,254	)			(208,295	)			78	%			81	%
Benefit for income taxes			(15,368	)			(74,043	)			(47,423	)			(31,317	)			(87,824	)			79	%			83	%
Loss from continuing operations			(24,814	)			(105,174	)			(64,447	)			(51,937	)			(120,471	)			76	%			79	%
Income/(loss) from discontinued operations, net of tax (a)			(10,200	)			(308	)			(648	)			442				(1,749	)			NM				NM
Net loss			(35,014	)			(105,482	)			(65,095	)			(51,495	)			(122,220	)			67	%			71	%
Net income attributable to noncontrolling interest (b)			2,969				2,844				2,750				4,236				2,875				4	%			3	%
Net loss attributable to controlling interest			(37,983	)			(108,326	)			(67,845	)			(55,731	)			(125,095	)			65	%			70	%
Preferred stock dividends (c)			14,876				14,856				14,956				7,413				—				*				NM
Loss available to common shareholders		$	(52,859	)		$	(123,182	)		$	(82,801	)		$	(63,144	)		$	(125,095	)			57	%			58	%
Common Stock Data
Diluted EPS from continuing operations (d)		$	(0.20	)		$	(0.57	)		$	(0.38	)		$	(0.29	)		$	(0.57	)			65	%			65	%
Diluted EPS (d)			(0.24	)			(0.57	)			(0.38	)			(0.29	)			(0.58	)			58	%			59	%
Diluted shares (d)			217,186				217,134				217,134				217,063				217,062				*				*
Period-end shares outstanding (d)			218,654				218,630				218,352				217,489				217,504				*				1	%
Stock dividend rate declared per share			1.5901	%			1.5782	%			2.6673	%			1.8370	%			3.0615	%			NM				NM
Balance Sheet Highlights (Period End)
Total loans, net of unearned income		$	18,524,685			$	19,585,827			$	20,572,477			$	21,278,190			$	21,601,898				(5	)%			(14	)%
Total deposits			14,234,983				14,977,461				14,910,055				14,241,814				13,778,235				(5	)%			3	%
Total assets			26,465,852				28,758,943				31,208,024				31,021,980				32,804,376				(8	)%			(19	)%
Total liabilities			23,095,643				25,364,961				27,700,348				27,447,348				29,931,458				(9	)%			(23	)%
Total equity			3,370,209				3,393,982				3,507,676				3,574,632				2,872,918				*				17	%
Asset Quality Highlights
Allowance for loan losses		$	944,765			$	961,482			$	940,932			$	849,210			$	760,456				(2	)%			24	%
Allowance / period-end loans			5.10	%			4.91	%			4.57	%			3.99	%			3.52	%
Net charge-offs		$	201,718			$	239,449			$	208,278			$	191,246			$	154,693				16	%			(30	)%
Net charge-offs (annualized) / average loans			4.24	%			4.77	%			3.97	%			3.61	%			2.84	%
Non-performing assets (NPA)		$	1,220,489			$	1,233,077			$	1,252,153			$	1,157,957			$	1,015,494				(1	)%			20	%
NPA % (e)			6.38	%			6.15	%			5.98	%			5.38	%			4.63	%
Key Ratios & Other
Return on average assets			(0.52	)%			(1.46	)%			(0.87	)%			(0.66	)%			(1.46	)%
Return on average common equity			(9.02	)%			(20.96	)%			(13.44	)%			(9.30	)%			(18.30	)%
Net interest margin			3.14	%			3.05	%			2.89	%			2.96	%			3.01	%
Fee income to total revenue			61	%			59	%			67	%			61	%			57	%
Efficiency ratio			70.73	%			83.28	%			68.43	%			62.97	%			74.63	%
Book value per common share		$	10.43			$	10.56			$	11.11			$	11.48			$	11.85
Tangible book value per common share (f)			9.43				9.49				10.03				10.39				10.75
Adjusted tangible common equity to risk weighted assets (f)			9.06				8.71				8.61				8.80				8.78
FTE employees			5,837				5,971				6,033				6,095				6,195				(2	)%			(6	)%

NM — Not meaningful
*		Amount is less than one percent.
Certain previously reported amounts have been reclassified to agree with current presentation.
(a)		3Q09 includes results of operations and $14.0 million goodwill impairment related to Capital Markets institutional equity research business.
(b)		Represents preferred dividends previously reported in NIOE. Currently reported as noncontrolling interest due to adoption of change in accounting for presentation of minority interests.
(c)		3Q09 includes $4.1 million amortization of initial discounted book value of CPP preferred.
(d)		Shares restated for stock dividends distributed through October 1, 2009.
(e)		NPAs related to the loan portfolio over period-end loans plus forclosed real estate and other assets.
(f)		Refer to the Non-GAAP to GAAP Reconciliation on page 34 of this financial supplement.

CONSOLIDATED INCOME STATEMENT Quarterly, Unaudited

																						3Q09 Change vs.
(Thousands)		3Q09				2Q09				1Q09				4Q08				3Q08				2Q09				3Q08
Interest income		$	236,360			$	255,495			$	270,093			$	331,554			$	383,243				(7	)%			(38	)%
Less interest expense			45,459				56,409				73,506				126,606				160,096				(19	)%			(72	)%
Net interest income			190,901				199,086				196,587				204,948				223,147				(4	)%			(14	)%
Provision for loan losses			185,000				260,000				300,000				280,000				340,000				(29	)%			(46	)%
Net interest income/(loss) after provision for loan losses			5,901				(60,914	)			(103,413	)			(75,052	)			(116,853	)			110	%			105	%
Noninterest income:
Capital markets			129,043				179,384				205,700				163,021				86,854				(28	)%			49	%
Mortgage banking			59,211				15,483				115,749				80,087				106,817				NM				(45	)%
Deposit transactions and cash management			41,738				41,815				39,032				43,882				45,802				*				(9	)%
Trust services and investment management			7,347				7,651				6,820				7,675				8,154				(4	)%			(10	)%
Insurance commissions			5,907				6,555				6,918				6,806				7,332				(10	)%			(19	)%
Revenue from loan sales and securitizations			2,155				552				969				(782	)			3,238				NM				(33	)%
Securities gains/(losses), net			65				(330	)			(2	)			1,346				(210	)			120	%			131	%
Gains/(losses) on divestitures			—				—				—				(106	)			(17,489	)			NM				NM
Other (a)			58,352				33,073				24,160				24,438				55,575				76	%			5	%
Total noninterest income			303,818				284,183				399,346				326,367				296,073				7	%			3	%
Adjusted gross income after provision for loan losses			309,719				223,269				295,933				251,315				179,220				39	%			73	%
Noninterest expense:
Employee compensation, incentives and benefits (b)			178,734				193,392				242,175				173,549				207,423				(8	)%			(14	)%
Legal and professional fees			17,077				14,742				13,869				17,463				16,556				16	%			3	%
Occupancy (b)			16,207				15,536				15,722				18,787				26,854				4	%			(40	)%
Operations services			15,392				16,708				15,339				18,148				18,881				(8	)%			(18	)%
Equipment rentals, depreciation and maintenance			8,695				8,238				8,628				11,373				12,268				6	%			(29	)%
Communications and courier			6,837				6,931				6,920				7,403				9,243				(1	)%			(26	)%
Amortization of intangible assets			1,445				1,509				1,636				1,805				1,802				(4	)%			(20	)%
Other (c) (d)			105,514				145,430				103,514				86,041				94,488				(27	)%			12	%
Total noninterest expense			349,901				402,486				407,803				334,569				387,515				(13	)%			(10	)%
Loss before income taxes			(40,182	)			(179,217	)			(111,870	)			(83,254	)			(208,295	)			78	%			81	%
Benefit for income taxes			(15,368	)			(74,043	)			(47,423	)			(31,317	)			(87,824	)			79	%			83	%
Loss from continuing operations		$	(24,814	)		$	(105,174	)		$	(64,447	)		$	(51,937	)		$	(120,471	)			76	%			79	%
Income/(loss) from discontinued operations, net of tax (b)			(10,200	)			(308	)			(648	)			442				(1,749	)			NM				NM
Net loss		$	(35,014	)		$	(105,482	)		$	(65,095	)		$	(51,495	)		$	(122,220	)			67	%			71	%
Net income attributable to noncontrolling interest (e)			2,969				2,844				2,750				4,236				2,875				4	%			3	%
Net loss attributable to controlling interest		$	(37,983	)		$	(108,326	)		$	(67,845	)		$	(55,731	)		$	(125,095	)			65	%			70	%
Preferred stock dividends (f)			14,876				14,856				14,956				7,413				—				*				NM
Net loss available to common shareholders		$	(52,859	)		$	(123,182	)		$	(82,801	)		$	(63,144	)		$	(125,095	)			57	%			58	%

NM — Not meaningful
*		Amount is less than one percent.
Certain previously reported amounts have been reclassified to agree with current presentation.
3Q09 Key Impacts
(a)		Includes $12.8 million gain on repurchase of debt.
(b)		Includes a portion of net charges for $15.7 million, see Restructuring, Repositioning & Efficiency Initiatives page for further details.
(c)		Includes $25.8 million increase in Mortgage Banking related repurchase reserves.
(d)		Includes $7.0 million contingent liability reversal related to Visa legal matters.
(e)		Represents preferred dividends previously reported in NIOE. Currently reported as noncontrolling interest due to adoption of change in accounting for presentation of minority interests.
(f)		Includes $4.1 million amortization of initial discounted book value of CPP preferred.

OTHER INCOME AND OTHER EXPENSE Quarterly, Unaudited

																						3Q09 Change vs.
(Thousands)		3Q09				2Q09				1Q09				4Q08				3Q08				2Q09				3Q08
Other Income
Gain on repurchase of debt		$	12,800			$	—			$	60			$	2,330			$	18,919				NM				(32	)%
Brokerage management fees and commissions			7,315				6,469				6,632				7,307				7,824				13	%			(7	)%
Bank owned life insurance			6,066				4,295				4,131				5,107				6,731				41	%			(10	)%
Bankcard income			5,173				5,076				4,896				5,226				5,587				2	%			(7	)%
Deferred compensation			5,006				4,957				(2,743	)			(12,531	)			(5,145	)			1	%			197	%
Remittance processing			2,968				3,374				3,143				3,160				3,314				(12	)%			(10	)%
ATM interchange fees			2,704				2,729				2,205				2,485				2,263				(1	)%			19	%
Other service charges			2,645				3,030				3,521				3,002				3,043				(13	)%			(13	)%
Reinsurance fees			1,760				2,788				2,796				2,624				2,830				(37	)%			(38	)%
Consumer loan repurchases			1,760				(11,982	)			(9,950	)			(2,389	)			(1,660	)			115	%			NM
Letter of credit			1,476				1,368				1,360				1,322				1,603				8	%			(8	)%
Electronic banking fees			1,465				1,518				1,609				1,492				1,535				(3	)%			(5	)%
Other			7,214				9,451				6,500				5,303				8,731				(24	)%			(17	)%
Total		$	58,352			$	33,073			$	24,160			$	24,438			$	55,575				76	%			5	%
Other Expense
Mortgage banking foreclosure and repurchase provision		$	25,751			$	29,099			$	12,267			$	2,752			$	849				(12	)%			NM
Foreclosed real estate			21,221				21,798				10,033				8,189				4,130				(3	)%			NM
Deposit insurance premium			8,796				21,353				7,628				4,288				4,146				(59	)%			112	%
Contract employment			7,956				8,966				10,161				11,567				9,033				(11	)%			(12	)%
Computer software			6,871				6,474				6,883				7,134				7,144				6	%			(4	)%
Low income housing expense			5,833				5,509				5,125				4,289				5,064				6	%			15	%
Advertising and public relations			5,465				5,229				5,813				7,284				9,040				5	%			(40	)%
Loan closing costs			4,503				7,414				5,139				3,129				10,314				(39	)%			(56	)%
Other insurance and taxes			2,924				3,239				2,899				2,838				1,383				(10	)%			111	%
Travel and entertainment			2,139				2,691				2,334				2,834				2,785				(21	)%			(23	)%
Loan insurance expense			1,988				2,057				1,912				1,482				1,477				(3	)%			35	%
Customer relations			1,610				1,960				2,288				1,896				2,727				(18	)%			(41	)%
Supplies			1,570				1,512				270				2,020				2,686				4	%			(42	)%
Fed services fees			1,307				1,360				1,367				1,526				1,975				(4	)%			(34	)%
Employee training and dues			1,282				1,537				1,425				1,759				1,463				(17	)%			(12	)%
Bank examination costs			1,194				1,248				1,248				514				1,523				(4	)%			(22	)%
Other (a)			5,104				23,984				26,722				22,540				28,749				(79	)%			(82	)%
Total		$	105,514			$	145,430			$	103,514			$	86,041			$	94,488				(27	)%			12	%

NM — Not meaningful
*		Amount is less than one percent.
Certain previously reported amounts have been reclassified to agree with current presentation.
3Q09 Key Impacts
(a)		Includes $7.0 million contingent liability reversal related to Visa legal matters.

CONSOLIDATED PERIOD-END BALANCE SHEET Quarterly, Unaudited

																						3Q09 Change vs.
(Thousands)		3Q09				2Q09				1Q09				4Q08				3Q08				2Q09				3Q08
Assets
Investment securities		$	2,645,922			$	2,821,079			$	3,016,013			$	3,125,153			$	2,840,739				(6	)%			(7	)%
Loans held for sale			502,687				481,284				643,518				566,654				718,029				4	%			(30	)%
Loans, net of unearned income			18,524,685				19,585,827				20,572,477				21,278,190				21,601,898				(5	)%			(14	)%
Federal funds sold and securities purchased under agreements to resell			622,733				531,638				515,858				772,357				921,295				17	%			(32	)%
Interest bearing cash (a)			166,352				672,553				1,174,442				207,792				37,546				(75	)%			NM
Trading securities			701,151				1,117,212				933,316				945,766				1,561,024				(37	)%			(55	)%
Total earning assets			23,163,530				25,209,593				26,855,624				26,895,912				27,680,531				(8	)%			(16	)%
Cash and due from banks			328,150				419,696				438,181				552,423				815,935				(22	)%			(60	)%
Capital markets receivables			797,949				959,514				1,502,033				1,178,932				1,651,547				(17	)%			(52	)%
Mortgage servicing rights, net			289,282				337,096				381,024				376,844				798,491				(14	)%			(64	)%
Goodwill			178,381				192,408				192,408				192,408				192,408				(7	)%			(7	)%
Other intangible assets, net			40,498				41,937				43,446				45,081				46,887				(3	)%			(14	)%
Premises and equipment, net			321,788				325,666				330,299				333,931				336,078				(1	)%			(4	)%
Real estate acquired by foreclosure (b)			111,389				116,584				132,653				125,538				151,461				(4	)%			(26	)%
Allowance for loan losses			(944,765	)			(961,482	)			(940,932	)			(849,210	)			(760,456	)			2	%			(24	)%
Other assets			2,179,650				2,117,931				2,273,288				2,170,121				1,891,494				3	%			15	%
Total assets		$	26,465,852			$	28,758,943			$	31,208,024			$	31,021,980			$	32,804,376				(8	)%			(19	)%
Liabilities and Equity
Deposits
Savings		$	4,416,121			$	4,593,215			$	4,396,213			$	4,824,939			$	4,350,832				(4	)%			2	%
Other interest-bearing deposits			2,162,059				2,110,787				1,868,902				1,783,362				1,638,731				2	%			32	%
Time deposits			2,156,768				2,149,812				2,152,837				2,294,644				2,510,344				*				(14	)%
Total interest-bearing core deposits			8,734,948				8,853,814				8,417,952				8,902,945				8,499,907				(1	)%			3	%
Noninterest-bearing deposits			4,236,704				4,689,639				4,908,175				3,956,633				3,808,239				(10	)%			11	%
Total core deposits			12,971,652				13,543,453				13,326,127				12,859,578				12,308,146				(4	)%			5	%
Certificates of deposit $100,000 and more			1,263,331				1,434,008				1,583,928				1,382,236				1,470,089				(12	)%			(14	)%
Total deposits			14,234,983				14,977,461				14,910,055				14,241,814				13,778,235				(5	)%			3	%
Federal funds purchased and securities sold under agreements to repurchase			2,267,644				2,404,985				2,264,077				1,751,079				1,890,681				(6	)%			20	%
Trading liabilities			415,293				286,282				288,029				359,502				380,896				45	%			9	%
Other short-term borrowings and commercial paper (c)			1,739,202				2,555,704				3,827,278				4,279,689				6,149,073				(32	)%			(72	)%
Term borrowings			2,368,381				2,511,674				3,353,464				4,022,297				4,545,791				(6	)%			(48	)%
Other collateralized borrowings			711,087				723,677				736,172				745,363				749,797				(2	)%			(5	)%
Total long-term debt			3,079,468				3,235,351				4,089,636				4,767,660				5,295,588				(5	)%			(42	)%
Capital markets payables			542,829				965,442				1,383,447				1,115,428				1,645,118				(44	)%			(67	)%
Other liabilities			816,224				939,736				937,826				932,176				791,867				(13	)%			3	%
Total liabilities			23,095,643				25,364,961				27,700,348				27,447,348				29,931,458				(9	)%			(23	)%
Equity
Common stock			136,659				134,505				132,247				128,302				125,996				2	%			8	%
Capital surplus			1,170,916				1,128,286				1,087,252				1,048,602				1,016,498				4	%			15	%
Capital surplus common stock warrant — (CPP)			83,860				83,860				83,860				83,860				—				*				NM
Undivided profits			1,005,244				1,100,462				1,265,073				1,387,854				1,483,184				(9	)%			(32	)%
Accumulated other comprehensive loss, net			(116,265	)			(138,892	)			(142,503	)			(151,831	)			(48,037	)			16	%			(142	)%
Preferred stock capital surplus — (CPP)			794,630				790,596				786,582				782,680				—				1	%			NM
Noncontrolling interest			295,165				295,165				295,165				295,165				295,277				*				*
Total equity			3,370,209				3,393,982				3,507,676				3,574,632				2,872,918				(1	)%			17	%
Total liabilities and equity		$	26,465,852			$	28,758,943			$	31,208,024			$	31,021,980			$	32,804,376				(8	)%			(19	)%

NM — Not meaningful
*		Amount is less than one percent.
Certain previously reported amounts have been reclassified to agree with current presentation.
(a)		Includes excess balances held at Fed.
(b)		3Q09 includes $10.6 million of foreclosed assets related to government insured mortgages.
(c)		3Q09 includes $1.5 billion of FRB Term Auction Facility borrowings.

CONSOLIDATED AVERAGE AND PERIOD-END LOANS Quarterly, Unaudited

																						3Q09 Change vs.
(Thousands)		3Q09				2Q09				1Q09				4Q08				3Q08				2Q09				3Q08
Average Loans (Net)
Commercial
Commercial, financial and industrial		$	7,116,039			$	7,506,773			$	7,781,708			$	7,516,557			$	7,530,724				(5	)%			(6	)%
Real estate commercial (a)			1,535,943				1,542,081				1,492,906				1,479,582				1,497,773				*				3	%
Real estate construction (b)			1,245,618				1,455,626				1,689,863				1,917,647				2,162,817				(14	)%			(42	)%
Total commercial loans			9,897,600				10,504,480				10,964,477				10,913,786				11,191,314				(6	)%			(12	)%
Retail
Real estate residential (c)			7,674,360				7,907,748				8,095,128				8,172,174				8,166,295				(3	)%			(6	)%
Real estate construction (d)			460,742				672,011				880,537				1,087,752				1,350,092				(31	)%			(66	)%
Other retail			127,483				131,271				135,537				137,185				138,848				(3	)%			(8	)%
Credit card receivables			186,765				184,159				184,244				190,189				193,517				1	%			(3	)%
Real estate loans pledged against other collateralized borrowings (e)			676,339				693,643				709,144				716,925				721,760				(2	)%			(6	)%
Total retail loans			9,125,689				9,588,832				10,004,590				10,304,225				10,570,512				(5	)%			(14	)%
Total loans, net of unearned income		$	19,023,289			$	20,093,312			$	20,969,067			$	21,218,011			$	21,761,826				(5	)%			(13	)%
Period-End Loans (Net)
Commercial
Commercial, financial and industrial		$	6,920,916			$	7,400,396			$	7,716,733			$	7,863,727			$	7,642,684				(6	)%			(9	)%
Real estate commercial (a)			1,537,099				1,506,911				1,501,964				1,454,040				1,492,323				2	%			3	%
Real estate construction (b)			1,130,710				1,337,330				1,550,158				1,778,140				2,020,455				(15	)%			(44	)%
Total commercial loans			9,588,725				10,244,637				10,768,855				11,095,907				11,155,462				(6	)%			(14	)%
Retail
Real estate residential (c)			7,590,699				7,785,906				8,016,018				8,161,435				8,192,926				(3	)%			(7	)%
Real estate construction (d)			361,930				557,822				772,982				980,798				1,201,911				(35	)%			(70	)%
Other retail			124,376				129,848				132,452				135,779				139,441				(4	)%			(11	)%
Credit card receivables			189,452				186,376				180,282				189,554				194,966				2	%			(3	)%
Real estate loans pledged against other collateralized borrowings (e)			669,503				681,238				701,888				714,717				717,192				(2	)%			(7	)%
Total retail loans			8,935,960				9,341,190				9,803,622				10,182,283				10,446,436				(4	)%			(14	)%
Total loans, net of unearned income		$	18,524,685			$	19,585,827			$	20,572,477			$	21,278,190			$	21,601,898				(5	)%			(14	)%