Fifth Third Bank 2010 Annual Report Download - page 15

G
l
M
S
e
O
v
N
C
r
R
i
St
B
u
F
o
B
a
R
i
O
C
o
M
R
e
F
i
C
o
C
o
C
o
C
o
N
S
u
S
u
B
u
R
e
S
e
L
o
C
r
L
o
B
a
G
I
n
Va
S
a
D
O
S
h
An
C
o
D
C
o
F
O
Th
19
ris
k
b
u
ex
p
“r
e
ca
u
ec
o
co
m
ot
h
(6
)
gr
o
(1
0
be
Th
th
e
Th
sh
a
Th
in
f
ge
n
l
ossary of Term
s
M
anagement’s D
i
e
lected Financial
D
v
ervie
w
on-GAAP Finan
c
r
itical Accountin
g
i
sk Factors
atements of Inco
m
u
siness Segment
R
o
urth Quarter Re
v
a
lance Sheet Anal
y
i
sk Management
f
f
-Balance Sheet
A
o
ntractual Obliga
t
M
anagement’s A
s
e
ports of Indep
e
i
nancial Statem
e
o
nsolidated Balan
o
nsolidated State
m
o
nsolidated State
m
o
nsolidated State
m
N
otes to Consoli
d
u
mmary of Signifi
c
u
pplemental Cash
u
siness Combinat
i
e
strictions on Cas
e
curities
o
ans and Leases
r
edit Quality and
t
o
ans with Deterio
a
nk Premises and
oodwill
n
tangible Assets
a
riable Interest E
n
a
les of Receivable
s
erivatives
ther Assets
h
ort-Term Borro
w
n
nual Report on
o
nsolidated Te
n
irectors and Off
i
o
rporate Inform
a
O
RWARD-LO
O
h
is report may contai
n
33, as amended, and
k
s and uncertainties.
u
siness of Fifth Thir
d
p
ected to,” “is antici
p
e
main,” or similar ex
p
u
se future results to
d
o
nomic conditions a
n
m
pany do business,
a
h
er economic conditi
)
Fifth Third’s ability
o
wth; (8) changes a
n
0
) competitive pressu
r
required by the Fin
a
h
ird, one or more ac
q
e
recently enacted D
o
h
ird’s stock price; (1
6
a
reholders’ ownershi
p
h
ird; (21) loss of inc
o
f
ormation through t
h
n
eration and retentio
n
s
i
scussion and A
n
D
ata
c
ial Measures
g
Policies
m
e Analysis
R
eview
v
ie
w
y
sis
A
rrangements
t
ions and Other
C
s
sessment as to
t
e
ndent Register
e
e
nts
ce Sheets
m
ents of Income
m
ents of Changes
m
ents of Cash Fl
o
d
ated Financial
S
c
ant Accounting
a
Flow Informatio
n
i
ons and Asset A
c
h and Dividends
t
he
A
llowance fo
r
rated Credit Qua
l
Equipment
n
tities
s
and Servicing R
i
w
ings
Form 10-K
n
Year Comparis
o
i
cers
a
tion
O
KING STAT
E
n
forward-looking st
a
Rule 175 promulgat
e
This report may co
n
d
Bancorp and/or th
e
p
ated,” “estimate,”
“
p
ressions, or future o
r
d
iffer materially fro
m
n
d weakening in the e
a
re less favorable tha
n
ons; (4) changes in t
h
to maintain require
d
n
d trends in capital
r
es among depositor
y
a
ncial Accounting St
a
q
uired entities and/or
o
dd-Frank Wall Stre
e
6
) ability to attract
a
p
of Fifth Third; (19)
o
me from any sale
o
h
e use of computer
s
n
, funding and liquidi
n
alysis of Finan
c
C
ommitments
t
he Effectivenes
s
e
d Public Accou
n
in Equit
y
o
ws
S
tatements
a
nd Reporting Po
l
n
c
quisitions
r
Loan and Lease
L
l
ity Acquired in a
T
i
ghts
o
n
E
MENTS
a
tements about Fifth
e
d thereunder, and S
e
n
tain certain forwar
d
e
combined compan
y
“
forecast,” “projecte
d
r
conditional verbs s
u
historical performa
n
conomy, specifically
t
n
expected; (2) deteri
o
h
e interest rate envir
o
d
capital levels and a
d
markets; (9) proble
m
y
institutions increase
a
ndards Board (FAS
B
the combined comp
a
e
t Reform and Cons
u
a
nd retain key perso
n
effects of accountin
g
o
r potential sale of
b
s
ystems and telecom
m
ty.
2010
AN
FINA
N
c
ial Condition a
n
s
of Internal Co
n
n
ting Firm
l
icies
7
7
7
7
7
8
L
osses
8
T
ransfe
r
8
8
8
8
8
9
9
9
9
Third Bancorp and/
o
e
ction 21E of the Se
c
d
-looking statements
y
including statemen
t
d
,” “intends to,” or
m
u
ch as “will,” “would
,
n
ce and these forwar
d
t
he real estate marke
t
o
rating credit quality;
(
o
nment reduce intere
s
d
equate sources of f
u
m
s encountered by
l
significantly; (11) eff
e
B
) or other regulator
y
a
ny or the businesses
u
mer Protection Act
(
n
nel; (17) ability to
r
g
or financial results
o
b
usinesses that could
m
unications networ
k
AN
NUAL RE
P
N
CIAL CON
T
n
d Results of O
p
n
trol over Finan
c
7
2 Long-
T
7
8 Comm
i
7
8 Legal a
n
7
9 Relate
d
7
9 Incom
e
8
1 Retire
m
8
2
A
ccum
u
8
5 Comm
o
8
6 Stock-
B
8
6 Other
N
8
7 Earnin
g
8
8 Fair V
a
9
0 Certai
n
9
3 Parent
9
7 Busine
s
9
8 Subseq
u
o
r the company as c
o
c
urities Exchange Ac
t
with respect to the
t
s preceded by, follo
w
m
ay include other si
m
,
” “should,” “could,”
d
-looking statements.
t
, either nationally or
i
(
3) political develop
m
s
t margins; (5) prepa
y
u
nding and liquidity;
(
l
arger or similar fin
a
e
cts of critical accou
n
y
agencies; (13) legisl
in which Fifth Third
(
Dodd-Frank Act); (
1
r
eceive dividends fr
o
o
f one or more acqui
r
have an adverse ef
f
k
s; and (23) the imp
a
P
ORT
T
ENTS
p
erations
c
ial Reportin
g
T
erm Debt
i
tments, Conting
e
n
d Regulatory Pr
o
d
Party Transactio
n
e
Taxes
m
ent and Benefit
P
u
lated Other Co
m
o
n, Preferred and
B
ased Compensat
i
N
oninterest Inco
m
g
s Per Share
a
lue Measurement
n
Regulatory Requ
i
Company Financ
i
s
s Segments
u
ent Events
o
mbined acquired en
t
t
of 1934, as amend
e
financial condition,
r
w
ed by or that inclu
d
m
ilar words or phras
e
“might,” “can,” or s
i
Factors that might c
a
i
n the states in
w
hich
m
ents, wars or other h
o
y
ment speeds, loan or
i
(
7) maintaining capit
a
a
ncial institutions m
a
n
ting policies and jud
g
ative or regulatory c
h
, one or more acquir
e
1
4) ability to maintai
n
o
m its subsidiaries; (
1
r
ed ent
i
ties; (20) diffi
f
ect on Fifth Third’s
a
ct of reputational ri
s
e
nt Liabilities and
o
ceedings
n
s
P
lans
m
prehensive Inco
m
Treasury Stock
i
on
m
e and Other No
s
i
rements and Ca
p
i
al Statements
t
ities within the mea
n
e
d, and Rule 3b-6 pr
o
r
esults of operations,
d
e the
w
ords or phra
s
e
s such as “believes,
”
i
milar verbs. There a
r
a
use such a differenc
e
Fifth Third, one or
m
o
stilities may disrupt
i
gination and sale vo
l
a
l requirements may
l
a
y adversely affect
t
g
ments; (12) changes
i
h
anges or actions, or
e
d entities and/or th
e
n
favorable ratings fr
o
1
8) potentially diluti
v
culties in separating
F
earnings and future
s
k created by these
d
Guarantees
m
e
ninterest Expens
e
p
ital Ratios
n
ing of Section 27A
o
o
mulgated thereunde
r
plans, objectives, f
u
s
es such as “will like
l
”
“plans,” “trend,” “
o
r
e a number of impo
r
e
include, but are no
t
m
ore acquired entitie
s
or increase volatility
i
l
umes, charge-offs a
n
l
imit Fifth Third’s o
p
t
he banking industr
y
i
n accounting policie
s
significant litigation
,
e
combined company
o
m rating agencies; (
1
v
e effect of future a
c
F
ifth Third Processin
growth; (22) ability
d
evelopments on su
c
14
15
16
19
20
23
29
35
41
43
48
63
65
66
67
68
69
70
71
99
101
104
104
105
108
110
111
112
e
115
116
117
124
125
126
128
129
145
146
o
f the Securities Act
o
r
, that involve inhere
n
u
ture performance a
n
l
y result,” “may,” “a
r
o
bjective,” “continue
,
r
tant factors that cou
l
t
limited to: (1) gener
s
and/or the combin
e
i
n securities markets
o
n
d loan loss provisio
n
p
erations and potenti
a
y
and/or Fifth Thir
d
s
or procedures as m
a
,
adversely affect Fif
t
are engaged, includi
n
1
5) fluctuation of Fif
t
c
quisitions on curre
n
g Solutions from Fif
t
to secure confidenti
a
c
h matters as busine
s
o
f
n
t
n
d
r
e
,
”
l
d
al
e
d
o
r
n
s;
al
d
;
a
y
t
h
n
g
t
h
n
t
t
h
al
s
s