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MANAGEMENT’S DISCUSSION continued
SUNTRUST 2004 ANNUAL REPORT 29
2001 2000 1999
Average Income/ Yields/ Average Income/ Yields/ Average Income/ Yields/
Balances Expense Rates Balances Expense Rates Balances Expense Rates
$ 68,892.8 $4,862.7 7.06% $68,968.8 $5,552.4 8.05% $61,648.3 $4,691.2 7.61%
1,130.2 78.4 6.94 1,075.5 83.0 7.72 1,101.1 80.1 7.27
70,023.0 4,941.1 7.06 70,044.3 5,635.4 8.05 62,749.4 4,771.3 7.60
15,904.8 1,033.9 6.50 14,593.7 981.4 6.73 14,728.7 927.6 6.30
448.7 35.7 7.95 469.7 35.4 7.54 558.2 44.6 7.99
16,353.5 1,069.6 6.54 15,063.4 1,016.8 6.75 15,286.9 972.2 6.36
1,250.3 51.2 4.09 1,439.8 92.8 6.44 1,338.0 73.4 5.48
2,949.9 211.5 7.17 1,451.1 110.6 7.62 2,577.1 172.2 6.68
167.6 5.8 3.43 39.9 0.9 2.17 53.0 2.7 5.02
1,289.8 41.3 3.20 570.5 28.8 5.06 251.3 10.9 4.36
92,034.1 6,320.5 6.87 88,609.0 6,885.3 7.77 82,255.7 6,002.7 7.30
(876.3) (869.0) (942.1)
3,383.4 3,316.4 3,630.3
1,599.7 1,625.4 1,596.3
4,043.3 3,362.2 3,332.5
2,700.0 2,353.8 2,948.1
$102,884.2 $98,397.8 $92,820.8
$ 8,471.3 $ 101.2 1.20% $ 8,035.4 $ 107.4 1.34% $ 7,736.3 $ 70.9 0.92%
15,830.1 527.6 3.33 12,093.6 526.9 4.36 12,189.7 456.1 3.74
6,066.6 171.5 2.83 6,434.2 228.5 3.55 6,918.8 203.8 2.95
9,092.6 468.8 5.16 9,935.5 528.5 5.32 9,824.3 468.6 4.77
3,823.9 200.6 5.25 4,085.3 236.0 5.78 4,275.0 214.3 5.01
43,284.5 1,469.7 3.40 40,584.0 1,627.3 4.01 40,944.1 1,413.7 3.45
2,617.7 115.3 4.40 3,308.7 215.9 6.52 7.0 0.4 5.27
5,175.4 227.5 4.39 9,621.7 609.7 6.34 4,087.8 212.0 5.19
51,077.6 1,812.5 3.55 53,514.4 2,452.9 4.58 45,038.9 1,626.1 3.61
11,283.6 412.2 3.65 10,754.4 651.2 6.06 15,220.8 749.6 4.92
1,593.8 63.4 3.98 1,550.6 97.9 6.31 1,689.9 79.5 4.71
12,497.2 739.0 5.91 8,034.6 534.9 6.66 5,858.6 359.5 6.14
76,452.2 3,027.1 3.96 73,854.0 3,736.9 5.06 67,808.2 2,814.7 4.15
13,491.1 13,177.5 12,803.2
4,867.1 3,864.4 4,018.7
8,073.8 7,501.9 8,190.7
$102,884.2 $98,397.8 $92,820.8
2.91% 2.71% 3.15%
$3,293.4 $3,148.4 $3,188.0
3.58% 3.55% 3.88%