Fifth Third Bank 2010 Annual Report Download - page 131

1
T
i
C
o
P
a
8.
C
o
S
t
7.
o
f
7.
o
f
8.
o
f
I
n
s
e
Y
e
I
n
r
e
Y
e
I
n
r
e
S
e
m
r
e
fi
l
I
n
el
I
n
p
u
c
h
p
e
fi
l
I
n
p
u
c
h
t
h
i
n
t
h
SECURIT
I
ANNUAL R
E
1
5(d) OF THE
For the
C
o
I
n
I.R.S. E
m
A
d
Securities re
g
i
tle of each cla
s
o
mmon Stock,
W
a
r Value
5% Non-Cumul
o
nvertible Perp
e
t
oc
k
25% Trust Pref
e
f
Fifth Third Ca
p
25% Trust Pref
e
f
Fifth Third Ca
p
875% Trust Pre
f
f
Fifth Third Ca
p
n
dicate by ch
e
e
asoned issuer,
e
s: ⌧ No: 
n
dicate by che
c
e
ports pursuant
e
s:  No: ⌧
n
dicate by che
c
e
ports required
e
curities Exch
a
m
onths (or for
e
quired to file
s
l
ing requireme
n
n
dicate by che
c
ectronically an
d
n
teractive Dat
a
u
rsuant to Ru
l
h
apter) during
e
riod that the r
e
l
es). Yes: ⌧ N
o
n
dicate by ch
e
u
rsuant to Ite
m
h
apter) is not
c
h
e best of re
g
n
formation stat
e
h
is Form 10-K
o
UNITED
I
ES AND EX
C
Washin
g
to
n
FOR
M
E
PORT PURS
U
SECURITIE
S
fiscal year en
d
o
mmission file
n
n
corporated in
t
m
ployer Identi
f
d
dress: 38 Fou
n
Cincinnati,
Telephone: (
8
g
istere
d
pursua
n
s
s:
W
ithout
ative Series G
e
tual Preferred
e
rred Securities
p
ital Trust V
e
rred Securities
p
ital Trust VI
f
erred Securitie
s
p
ital Trust VII
e
ckmark if t
h
as defined in
c
kmark if the
r
to Section 13 o
c
k mark wheth
e
to be filed
b
a
nge Act of
1
such shorter
s
uch reports),
a
n
ts for the past
9
c
k mark wheth
d
posted on its
c
a
File require
d
l
e 405 of Re
g
the preceding
e
gistrant was r
e
o
: 
e
ck mark if
d
m
405 of Re
g
c
ontained herei
n
g
istrant’s kno
w
e
ments incorpo
r
o
r any amendm
e
STATES
C
HANGE CO
M
n
, D.C. 20549
M
10-K
U
ANT TO SE
C
S
EXCHANG
E
d
ed December
3
n
umber 001-33
6
t
he State of Oh
i
f
ication No. 31
-
n
tain Square Pl
a
Ohio 45263
8
00) 972-3030
n
t to Section 12
(
Name of
on whic
h
The NAS
Market L
L
The NAS
Market L
L
New Yor
k
New Yor
k
s
New Yor
k
h
e registrant i
Rule 405 of t
h
r
egistrant is no
r Section 15(d)
e
r the registran
t
b
y Section 13
1
934 during t
h
period that t
h
a
nd (2) has bee
9
0 days. Yes:
⌧
er the Registr
a
c
o
r
porate Web
d
to be subm
i
g
ulation S-T (
§
12 months (or
e
quired to sub
m
d
isclosure of
g
ulation S-K (
§
n
, and will no
t
w
ledge, in de
f
r
ated by refere
n
e
nt to this For
m
M
MISSION
C
TION 13 O
R
E
ACT OF 193
3
1, 2010
6
53
i
o
-
0854434
a
za
(
b) of the Act:
each exchange
h
registere
d
:
DAQ Stock
L
C
DAQ Stoc
k
L
C
k
Stock Exchan
g
k
Stock Exchan
g
k
Stock Exchan
g
s a well-kno
w
h
e Securities
A
t required to
f
of the Act.
t
(1) has filed
or 15(d) of
t
h
e preceding
h
e registrant
w
n subject to s
u
⌧
No: 
a
nt has submit
t
site, if any, ev
e
i
tted and pos
t
§
232.405 of t
h
for such shor
t
m
i
t
and post s
u
delinquent fil
e
§
229.405 of t
h
t
be contained,
f
initive proxy
n
ce in Part III
m
10-K. 
R
4
g
e
g
e
g
e
w
n
A
c
t
.
f
ile
all
t
he
12
w
as
u
ch
t
ed
e
ry
t
ed
h
is
t
er
u
ch
e
rs
h
is
to
or
of
In
d
file
rep
o
“ac
of
t
La
r
No
n
S
m
In
d
(as
Th
e
wit
h
Ag
g
of
t
D
O
Th
i
the
to
a
Th
e
Sh
a
rep
o
Sh
a
co
n
De
c
An
n
p
ar
t
inc
o
p
ar
t
10
-
PA
R
Ite
m
Item
Item
Item
Item
Item
PAR
Item
Item
Item
Item
Item
Item
Item
Item
PAR
Item
Item
Ite
m
Item
Item
PAR
Item
SIG
N
d
icate by check
m
r, an accelerat
e
o
rting compan
y
celerated filer”
t
he Exchange A
c
r
ge accelerated
f
n
-accelerated fi
l
m
aller reporting
c
d
icate by check
defined in Rule
e
re were 917,7
5
h
out par valu
e
g
regate Market
V
t
he Bancorp wa
s
O
CUMENTS I
N
i
s report incorp
o
U.S. Securities
a
nnual reports o
n
e
Banco
r
p
’s Pr
o
a
reholders is i
n
o
rt.
Only those
a
reholders that
n
stitute part of
t
c
ember 31, 201
0
n
ual Report to
S
t
of this For
m
o
rporated into t
h
t
of the Registr
a
-
K Cross Refe
r
R
T I
m
1. Business
Employees
Segment In
f
Average Ba
l
Analysis of
Changes
Investment
S
Loan and L
e
Risk Eleme
n
Deposits
Return on E
Short-term
B
1A. Risk Factor
s
1B. Unresolved
2. Properties
3. Legal Proce
4. (Removed
a
Executive
O
T II
5. Market for
R
Stockholde
r
Securities
6. Selected Fi
n
7. Manageme
n
Condition a
n
7A. Quantitativ
e
Risk
8. Financial St
9. Changes in
a
Accounting
9A. Controls an
d
9B. Other Infor
m
T III
10. Directors, E
11. Executive
C
m
12. Security O
w
Manageme
n
13. Certain Rel
a
Director In
d
14. Principal A
c
T IV
15. Exhibits, Fi
n
N
ATURES
m
ark whether th
e
d filer, a non
y
. See definitio
and “smaller re
p
c
t.
f
ile
r
⌧ Acc
e
l
e
r
 (Do n
o
c
ompany 
mark whether t
h
12b-2 of the A
c
5
9,578 shares o
f
e
, outstanding
V
alue of the V
o
s
$8,520,556,33
3
N
CORPORAT
E
o
rates into a sin
g
and Exchange
n
Form 10-K a
n
o
xy Statement
f
n
corporated by
sections of t
are specified
i
t
he Registrant’s
0
. No other in
fo
S
hareholders s
h
m
10-K nor s
h
h
e Form 10-K a
n
a
nt’s Form 10-K
.
r
ence Index
f
ormation
l
ance Sheets
Net Interest Incom
e
S
ecurities Portfolio
e
ase Portfolio
n
ts of Loan and Le
a
quity and Assets
B
orrowings
s
Staff Comments
edings
a
nd Reserved)
O
fficers of the Banc
o
R
egistrant’s Comm
o
r
Matters and Issue
r
n
ancial Data
n
t’s Discussion and
n
d Results of Oper
a
e
and Qualitative D
i
atements and Supp
l
a
nd Disagreements
and Financial Disc
l
d
Procedures
m
ation
xecutive Officers a
n
C
ompensation
w
nership of Certain
n
t and Related Stoc
k
a
tionships and Rela
t
d
ependence
c
counting Fees and
n
ancial Statement
S
Fifth Th
ir
e registrant is a
-accelerated fil
e
ns of “large a
c
p
orting compan
y
e
lerated file
r

o
t check if a smalle
r
h
e registrant is
c
t). Yes:  No:
f
the Bancorp’s
as of January
o
ting Stock held
3
as of June 30,
2
E
D BY REFER
E
g
le document th
e
Commission (S
E
n
d annual report
s
f
or the 2011 A
n
reference into
his 2010 An
n
i
n this Cross
R
Form 10-K fo
r
fo
rmation contai
h
all be deemed
t
h
all any such
n
d shall not be
d
.
e
and Net Interest I
n
a
se Portfolio
o
rp
o
n Equity, Related
r
Purchases of Equi
t
Analysis of Financ
a
tions
i
sclosures About
M
l
ementary Data
with Accountants
o
l
osure
n
d Corporate Gov
e
Beneficial Owners
k
holder Matters
t
ed Transactions, a
n
Services
S
chedules
ir
d Bancorp 129
large accelerate
d
e
r, or a small
e
c
celerated filer,
y
” in Rule 12b-
2

r
reporting compan
y
a shell compan
y
⌧
Common Stoc
k
31, 2011. T
h
by non-affiliat
e
2
010.
E
NCE
e
requirements
o
E
C) with respe
c
s
to shareholder
s
n
nual Meeting
o
Part III of th
i
n
ual Report t
R
eference Inde
x
r
the year ende
d
ned in this 201
t
o constitute an
y
information b
d
eemed “filed”
a
16-18, 130-13
3
35-40, 126-1
2
3
n
come
29-3
44-45, 79-
8
43-44,
8
49-
5
4
1
47,
9
23-
2
No
n
13
1
0
No
n
13
t
y
13
1
ial 15-4
7
63-
6
M
arket
48-
6
68-1
2
o
n
No
n
6
No
n
e
rnance 13
13
and
112-115, 1
n
d
13
13
139-1
4
1
4
d
e
r
”
2
y
)
y
k
,
h
e
e
s
o
f
c
t
s
.
o
f
i
s
o
x
d
0
y
e
a
s
5
3
2
8
0
1
8
0
8
1
5
7
4
6
5
9
8
2
8
n
e
3
6
0
4
n
e
6
3
7
5
7
,
6
5
6
2
2
8
n
e
6
6
n
e
3
9
3
9
39
3
9
3
9
4
3
4
4