SunTrust 2004 Annual Report Download - page 110

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108 SUNTRUST 2004 ANNUAL REPORT
2004 FORM 10-K
Part I Page
Item 1 Business 1–65, inside back cover
Item 2 Properties 64
Item 3 Legal Proceedings 64
Item 4 Not Applicable
Part II
Item 5 Market for the Registrant’s Common Equity,
Related Stockholder Matters and Issuer
Purchases of Equity Securities 18, 51, 60,
inside front cover,
inside back cover
Item 6 Selected Financial Data 18
Item 7 Management’s Discussion and
Analysis of Financial Condition
and Results of Operations 1– 65
Item 7A Quantitative and Qualitative
Disclosures about Market Risk 38 – 43
Item 8 Financial Statements and
Supplementary Data 51 – 61, 66 –107
Item 9 Not Applicable
Item 9A Controls and Procedures 64– 65
Item 9B Other Information 65
Part III Page
Item 10 Directors and Executive
Officers of the Registrant Proxy Statement
Item 11 Executive Compensation Proxy Statement
Item 12 Security Ownership of
Certain Beneficial Owners and
Management and Related
Stockholder Matters Proxy Statement
Item 13 Certain Relationships and
Related Transactions Proxy Statement
Item 14 Principal Accountant
Fees and Services Proxy Statement
Part IV
Item 15 Exhibits and Financial Statement
Schedules 109
Certain statistical data required by the Securities and Exchange
Commission are included on pages 18– 61.
Securities and Exchange Commission
Washington, DC 20549
Annual Report Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934
For the Fiscal Year Ended December 31, 2004
Commission file number 1-8918
SunTrust Banks, Inc.
Incorporated in the State of Georgia
IRS Employer Identification Number 58-1575035
Address: 303 Peachtree Street, NE,Atlanta,GA 30308
Telephone: 404-588-7711
Securities Registered Pursuant to Section 12(b) of the Act: Common Stock–$1.00 par value, which is registered on the New York Stock
Exchange.
As of January 31, 2005, SunTrust had 360,831,081 shares of common stock outstanding.The aggregate market value of SunTrust common
stock held by non-affiliates on June 30, 2004 was approximately $18.3 billion.
SunTrust (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12
months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements
for the past 90 days.
Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K is not contained herein, and will not be con-
tained, to the best of registrant’s knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form
10-K or any amendment to this Form 10-K. [ ]
Indicate by check mark whether the registrant is an accelerated filer (as defined in Rule 12b-2 of the Act.) [ X ]
DOCUMENTS INCORPORATED BY REFERENCE
Part III information is incorporated herein by reference, pursuant to Instruction G of Form 10-K, from SunTrust’s Proxy Statement for its 2005
Annual Shareholders’ Meeting, which will be filed with the Commission by March 15, 2005 (the “Proxy Statement”). Certain Part I and Part II
information required by Form 10-K is incorporated by reference from the SunTrust Annual Report to Shareholders as indicated below. Except
for parts of the SunTrust Annual Report to Shareholders expressly incorporated herein by reference, the Annual Report is not to be deemed
filed with the Securities and Exchange Commission.