EX-99.2 3 snv_ex992x12312024prtables.htm EX-99.2

Synovus																					Exhibit 99.2
			INCOME STATEMENT DATA
			(Unaudited)						Years Ended
			(Dollars in thousands, except per share data)						December 31,
									2024						2023						% Change
			Interest income						$	3,193,589					$	3,050,358					5		%
			Interest expense						1,444,012						1,233,703						17
			Net interest income						1,749,577						1,816,655						(4)
			Provision for (reversal of) credit losses						136,685						189,079						(28)
			Net interest income after provision for credit losses						1,612,892						1,627,576						(1)
			Non-interest revenue:
			Service charges on deposit accounts						91,647						90,096						2
			Fiduciary and asset management fees						79,828						78,077						2
			Card fees						76,920						72,357						6
			Brokerage revenue						84,881						90,004						(6)
			Mortgage banking income						14,060						15,157						(7)
			Capital markets income						44,058						39,045						13
			Income from bank-owned life insurance						34,429						31,429						10
			Investment securities gains (losses), net						(256,660)						(76,718)						(235)
			Recovery of NPA						—						13,126						nm
			Other non-interest revenue						70,441						51,437						37
			Total non-interest revenue						239,604						404,010						(41)
			Non-interest expense:
			Salaries and other personnel expense						737,467						728,378						1
			Net occupancy, equipment, and software expense						187,451						179,581						4
			Third-party processing and other services						85,751						86,649						(1)
			Professional fees						46,089						39,854						16
			FDIC insurance and other regulatory fees						45,921						94,737						(52)
			Restructuring charges (reversals)						2,121						17,707						(88)
			Loss on other loans held for sale						—						50,064						nm
			Other operating expenses						142,743						138,454						3
			Total non-interest expense						1,247,543						1,335,424						(7)
			Income before income taxes						604,953						696,162						(13)
			Income tax expense						125,502						154,021						(19)
			Net income						479,451						542,141						(12)
			Less: Net income (loss) attributable to noncontrolling interest						(3,009)						(1,564)						(92)
			Net income attributable to Synovus Financial Corp.						482,460						543,705						(11)
			Less: Preferred stock dividends						42,903						35,950						19
			Net income available to common shareholders						$	439,557					$	507,755					(13)		%
			Net income per common share, basic						3.05						3.48						(12)		%
			Net income per common share, diluted						3.03						3.46						(12)
			Cash dividends declared per common share						1.52						1.52						—
			Return on average assets						0.81		%				0.90		%				(9)		bps
			Return on average common equity						9.50						12.17						(267)
			Weighted average common shares outstanding, basic						144,164						146,115						(1)		%
			Weighted average common shares outstanding, diluted						144,998						146,734						(1)
			nm - not meaningful
			bps - basis points
			Amounts may not total due to rounding

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Synovus
			INCOME STATEMENT DATA
			(Unaudited)
			(Dollars in thousands, except per share data)			2024																								2023						Fourth Quarter
						Fourth Quarter						Third Quarter						Second Quarter						First Quarter						Fourth Quarter						'24 vs '23
																																				% Change
			Interest income			$	799,130					810,507						801,242						782,710						788,297						1		%
			Interest expense			344,137						369,767						366,244						363,864						351,083						(2)
			Net interest income			454,993						440,740						434,998						418,846						437,214						4
			Provision for (reversal of) credit losses			32,867						23,434						26,404						53,980						45,472						(28)
			Net interest income after provision for credit losses			422,126						417,306						408,594						364,866						391,742						8
			Non-interest revenue:
			Service charges on deposit accounts			23,244						23,683						22,907						21,813						22,260						4
			Fiduciary and asset management fees			21,373						19,714						19,728						19,013						18,149						18
			Card fees			19,577						18,439						19,418						19,486						20,872						(6)
			Brokerage revenue			20,907						20,810						20,457						22,707						21,961						(5)
			Mortgage banking income			2,665						4,033						3,944						3,418						3,019						(12)
			Capital markets income			12,070						10,284						15,077						6,627						6,456						87
			Income from bank-owned life insurance			10,543						8,442						8,097						7,347						10,324						2
			Investment securities gains (losses), net			—						—						(256,660)						—						(77,748)						nm
			Other non-interest revenue			15,208						18,575						18,181						18,477						26,175						(42)
			Total non-interest revenue			125,587						123,980						(128,851)						118,888						51,468						144
			Non-interest expense:
			Salaries and other personnel expense			184,725						184,814						179,407						188,521						176,712						5
			Net occupancy, equipment, and software expense			47,251						46,977						46,415						46,808						48,146						(2)
			Third-party processing and other services			22,158						21,552						21,783						20,258						21,717						2
			Professional fees			11,949						10,854						15,655						7,631						11,147						7
			FDIC insurance and other regulatory fees			8,227						7,382						6,493						23,819						61,470						(87)
			Restructuring charges (reversals)			37						1,219						(658)						1,524						1,231						(97)
			Other operating expenses			34,964						40,892						32,706						34,180						32,435						8
			Total non-interest expense			309,311						313,690						301,801						322,741						352,858						(12)
			Income (loss) before income taxes			238,402						227,596						(22,058)						161,013						90,352						164
			Income tax expense (benefit)			49,025						46,912						(7,378)						36,943						20,779						136
			Net income (loss)			189,377						180,684						(14,680)						124,070						69,573						172
			Less: Net income (loss) attributable to noncontrolling interest			(1,049)						(871)						(652)						(437)						(768)						(37)
			Net income (loss) attributable to Synovus Financial Corp.			190,426						181,555						(14,028)						124,507						70,341						171
			Less: Preferred stock dividends			11,578						11,927						9,713						9,685						9,696						19
			Net income (loss) available to common shareholders			$	178,848					169,628						(23,741)						114,822						60,645						195
			Net income (loss) per common share, basic			$	1.26					1.19						(0.16)						0.78						0.41						207		%
			Net income (loss) per common share, diluted			1.25						1.18						(0.16)						0.78						0.41						204
			Cash dividends declared per common share			0.38						0.38						0.38						0.38						0.38						—
			Return on average assets *			1.25		%				1.21						(0.10)						0.85						0.47						78		bps
			Return on average common equity *			14.75						14.38						(2.14)						10.17						5.88						nm
			Weighted average common shares outstanding, basic			141,555						143,144						145,565						146,430						146,372						(3)		%
			Weighted average common shares outstanding, diluted			142,694						143,979						145,565						147,122						146,877						(3)
			nm - not meaningful
			bps - basis points
			* - ratios are annualized
			Amounts may not total due to rounding

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Synovus
			BALANCE SHEET DATA						December 31, 2024						September 30, 2024						December 31, 2023
			(Unaudited)
			(In thousands, except share data)
			ASSETS
			Interest-earning deposits with banks and other cash and cash equivalents						$	2,977,667					$	1,807,641					$	2,414,103
			Federal funds sold and securities purchased under resale agreements						16,320						45,971						37,323
			Cash, cash equivalents, and restricted cash						2,993,987						1,853,612						2,451,426
			Investment securities held to maturity						2,581,469						2,622,457						—
			Investment securities available for sale						7,551,018						7,554,168						9,788,662
			Loans held for sale ($33,448, $36,943 and $47,338 measured at fair value, respectively)						90,111						121,470						52,768
			Loans, net of deferred fees and costs						42,609,028						43,120,674						43,404,490
			Allowance for loan losses						(486,845)						(484,985)						(479,385)
			Loans, net						42,122,183						42,635,689						42,925,105
			Cash surrender value of bank-owned life insurance						1,139,988						1,133,652						1,112,030
			Premises, equipment, and software, net						383,724						380,267						365,851
			Goodwill						480,440						480,440						480,440
			Other intangible assets, net						34,318						37,207						45,928
			Other assets						2,856,406						2,770,666						2,587,324
			Total assets						$	60,233,644					$	59,589,628					$	59,809,534
			LIABILITIES AND SHAREHOLDERS' EQUITY
			Liabilities:
			Deposits:
			Non-interest-bearing deposits						$	11,596,119					$	11,561,626					$	12,507,616
			Interest-bearing deposits						39,499,240						38,632,114						38,231,569
			Total deposits						51,095,359						50,193,740						50,739,185
			Federal funds purchased and securities sold under repurchase agreements						131,728						94,055						189,074
			Other short-term borrowings						—						—						3,496
			Long-term debt						1,733,109						2,021,050						1,932,534
			Other liabilities						2,007,197						1,902,612						1,801,097
			Total liabilities						54,967,393						54,211,457						54,665,386
			Shareholders' equity:
			Preferred stock – no par value. Authorized 100,000,000 shares; issued 22,000,000						537,145						537,145						537,145
			Common stock – $1.00 par value. Authorized 342,857,142 shares; issued 172,185,507, 172,077,277, and 171,360,188 respectively; outstanding 141,165,908, 141,997,383, and 146,705,330 respectively						172,186						172,077						171,360
			Additional paid-in capital						3,986,729						3,976,706						3,955,819
			Treasury stock, at cost – 31,019,599, 30,079,894, and 24,654,858 shares, respectively						(1,216,827)						(1,167,130)						(944,484)
			Accumulated other comprehensive income (loss), net						(970,765)						(773,786)						(1,117,073)
			Retained earnings						2,736,089						2,610,964						2,517,226
			Total Synovus Financial Corp. shareholders' equity						5,244,557						5,355,976						5,119,993
			Noncontrolling interest in subsidiary						21,694						22,195						24,155
			Total equity						5,266,251						5,378,171						5,144,148
			Total liabilities and shareholders' equity						$	60,233,644					$	59,589,628					$	59,809,534

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Synovus
AVERAGE BALANCES, INTEREST, AND YIELDS/RATES
(Unaudited)
			2024																		2023
(dollars in thousands)			Average Balance						Interest						Yield/    Rate						Average Balance						Interest						Yield/    Rate
Assets
Interest earning assets:
Commercial loans (1) (2)			$	34,708,207					$	2,339,075					6.74		%				$	35,188,678					$	2,263,117					6.43		%
Consumer loans (1)			8,336,996						436,188						5.23						8,557,650						426,266						4.98
Less: Allowance for loan losses			(484,142)						—						—						(463,493)						—						—
Loans, net			42,561,061						2,775,263						6.52						43,282,835						2,689,383						6.21
Total investment securities (3)			10,641,008						329,478						3.10						11,212,956						248,294						2.21
Trading account assets			11,839						659						5.56						15,486						886						5.72
Other earning assets (4)			1,593,100						80,711						4.99						1,414,586						71,349						4.98
FHLB and Federal Reserve Bank stock			178,603						9,284						5.20						254,420						14,975						5.89
Mortgage loans held for sale			33,125						2,293						6.92						46,035						2,993						6.50
Other loans held for sale			68,098						1,386						2.00						469,689						27,099						5.69
Total interest earning assets			55,086,834						$	3,199,074					5.81		%				56,696,007						$	3,054,979					5.39		%
Cash and due from banks			511,152																		575,370
Premises and equipment			377,386																		367,159
Other real estate			4,756																		—
Cash surrender value of bank-owned life insurance			1,125,363																		1,099,641
Other assets (5)			2,302,826																		1,183,691
Total assets			$	59,408,317																	$	59,921,868
Liabilities and Shareholders' Equity
Interest-bearing liabilities:
Interest-bearing demand deposits			$	10,879,231					$	273,480					2.51		%				$	9,884,039					$	176,595					1.79		%
Money market accounts			13,069,507						408,087						3.12						13,511,442						356,562						2.64
Savings deposits			1,021,838						1,262						0.12						1,229,975						1,046						0.09
Time deposits			8,244,344						358,401						4.35						5,473,405						196,481						3.59
Brokered deposits			5,426,407						288,702						5.32						6,104,461						296,071						4.85
Federal funds purchased and securities sold under repurchase agreements			109,088						1,909						1.72						97,114						1,667						1.69
Other short-term borrowings			45,489						2,514						5.44						528,194						24,611						4.60
Long-term debt			1,607,048						109,657						6.80						3,027,746						180,670						5.92
Total interest-bearing liabilities			40,402,952						$	1,444,012					3.57		%				39,856,376						$	1,233,703					3.10		%
Non-interest-bearing demand deposits			11,904,120																		13,662,660
Other liabilities			1,911,827																		1,671,489
Shareholders' equity			5,189,418																		4,731,343
Total liabilities and shareholders' equity			$	59,408,317																	$	59,921,868
Net interest income, taxable equivalent net interest margin (6)									$	1,755,062					3.19		%										$	1,821,276					3.21		%
Less: taxable-equivalent adjustment									5,485																		4,621
Net interest income									$	1,749,577																	$	1,816,655

(1)Average loans are shown net of unearned income. NPLs are included. Interest income includes fees as follows: 2024 — $49.4 million and 2023 — $47.7 million.

(2)Reflects taxable-equivalent adjustments, using the statutory federal tax rate of 21%, in adjusting interest on tax-exempt loans to a taxable-equivalent basis.

(3)Securities are included on an amortized cost basis with yield and net interest margin calculated accordingly.

(4)Includes interest-bearing funds with Federal Reserve Bank, interest earning deposits with banks, and federal funds sold and securities purchased under resale agreements.

(5)Includes average net unrealized gains/(losses) on investment securities available for sale of $(724.8) million and $(1.62) billion for the years ended December 31, 2024 and 2023, respectively.

(6)The net interest margin is calculated by dividing net interest income-TE by average total interest earning assets.

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Synovus
AVERAGE BALANCES, INTEREST, AND YIELDS/RATES
(Unaudited)
			Fourth Quarter 2024																		Third Quarter 2024																		Fourth Quarter 2023
(dollars in thousands)			Average Balance						Interest						Yield/    Rate						Average Balance						Interest						Yield/    Rate						Average Balance						Interest						Yield/    Rate
Assets
Interest earning assets:
Commercial loans (1) (2)			$	34,278,042					$	569,759					6.61		%				$	34,610,296					$	592,142					6.81		%				$	35,106,156					$	590,588					6.67		%
Consumer loans (1)			8,258,712						107,507						5.19						8,298,130						109,908						5.28						8,491,244						109,509						5.14
Less: Allowance for loan losses			(479,980)						—						—						(482,863)						—						—						(480,332)						—						—
Loans, net			42,056,774						677,266						6.41						42,425,563						702,050						6.59						43,117,068						700,097						6.45
Total investment securities (3)			10,623,943						91,038						3.43						10,420,665						87,643						3.36						11,164,487						65,176						2.33
Trading account assets			12,551						185						5.91						14,392						246						6.84						13,067						215						6.59
Other earning assets (4)			2,458,591						28,936						4.60						1,408,415						18,803						5.24						1,463,176						19,689						5.26
FHLB and Federal Reserve Bank stock			166,125						2,211						5.32						170,977						2,113						4.94						187,015						3,536						7.56
Mortgage loans held for sale			30,483						520						6.83						34,890						612						7.01						39,024						696						7.14
Other loans held for sale			74,019						404						2.13						83,492						433						2.03						8,044						104						5.06
Total interest earning assets			55,422,486						$	800,560					5.75		%				54,558,394						$	811,900					5.92		%				55,991,881						$	789,513					5.59		%
Cash and due from banks			512,178																		476,443																		522,986
Premises and equipment			382,784																		380,003																		366,647
Other real estate			386																		666																		—
Cash surrender value of bank-owned life insurance			1,135,952																		1,128,877																		1,108,766
Other assets (5)			2,720,830																		2,639,241																		1,173,785
Total assets			$	60,174,616																	$	59,183,624																	$	59,164,065
Liabilities and Shareholders' Equity
Interest-bearing liabilities:
Interest-bearing demand deposits			$	11,298,352					$	67,470					2.38		%				$	10,834,829					$	71,786					2.64		%				$	10,422,286					$	58,588					2.23		%
Money market accounts			13,768,434						101,063						2.92						13,058,527						104,514						3.18						13,053,781						103,211						3.14
Savings deposits			986,522						316						0.13						1,007,962						355						0.14						1,098,914						275						0.10
Time deposits			8,251,686						85,426						4.12						8,437,861						93,052						4.39						7,198,229						75,462						4.16
Brokered deposits			5,012,655						61,924						4.91						5,476,231						75,607						5.49						6,069,055						81,444						5.32
Federal funds purchased and securities sold under repurchase agreements			113,681						322						1.11						94,629						369						1.53						93,854						350						1.46
Other short-term borrowings			—						—						—						2,209						29						5.20						2,672						51						7.50
Long-term debt			1,613,246						27,616						6.84						1,385,836						24,055						6.93						1,922,661						31,702						6.55
Total interest-bearing liabilities			41,044,576						$	344,137					3.34		%				40,298,084						$	369,767					3.65		%				39,861,452						$	351,083					3.49		%
Non-interest-bearing demand deposits			11,783,834																		11,665,661																		12,744,275
Other liabilities			1,963,298																		1,967,351																		1,906,686
Shareholders' equity			5,382,908																		5,252,528																		4,651,652
Total liabilities and shareholders' equity			$	60,174,616																	$	59,183,624																	$	59,164,065
Net interest income, taxable equivalent net interest margin (6)									$	456,423					3.28		%										$	442,133					3.22		%										$	438,430					3.11		%
Less: taxable-equivalent adjustment									1,430																		1,393																		1,216
Net interest income									$	454,993																	$	440,740																	$	437,214

(1)Average loans are shown net of deferred fees and costs. NPLs are included. Interest income includes fees as follows: Fourth Quarter 2024 — $13.7 million, Third Quarter 2024 — $12.7 million, and Fourth Quarter 2023 —$13.1 million.

(2)Reflects taxable-equivalent adjustments, using the statutory federal tax rate of 21%, in adjusting interest on tax-exempt loans to a taxable-equivalent basis.

(3)Securities are included on an amortized cost basis with yield and net interest margin calculated accordingly.

(4)Includes interest-bearing funds with Federal Reserve Bank, interest earning deposits with banks, and federal funds sold and securities purchased under resale agreements

(5)Includes average net unrealized gains/(losses) on investment securities available for sale of $(391.6) million, $(424.6) million, and $(1.89) billion for the Fourth Quarter 2024, Third Quarter 2024, and Fourth Quarter 2023, respectively.

(6)The net interest margin is calculated by dividing annualized net interest income-TE by average total interest earning assets.

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Synovus
LOANS OUTSTANDING BY TYPE
(Unaudited)
(Dollars in thousands)
						Total Loans						Total Loans						Linked Quarter						Total Loans						Year/Year
Loan Type						December 31, 2024						September 30, 2024						% Change						December 31, 2023						% Change
Commercial, Financial, and Agricultural						$	14,498,992					$	14,563,913					—		%				$	14,459,345					—		%
Owner-Occupied						7,832,137						8,100,084						(3)						8,139,148						(4)
Total Commercial & Industrial						22,331,129						22,663,997						(1)						22,598,493						(1)
Multi-Family						4,185,545						4,379,459						(4)						4,098,188						2
Hotels						1,769,384						1,738,068						2						1,803,102						(2)
Office Buildings						1,743,329						1,778,698						(2)						1,891,587						(8)
Shopping Centers						1,273,439						1,260,460						1						1,319,049						(3)
Warehouses						846,025						837,145						1						854,475						(1)
Other Investment Property						1,363,482						1,352,719						1						1,396,903						(2)
Total Investment Properties						11,181,204						11,346,549						(1)						11,363,304						(2)
1-4 Family Construction						212,226						190,705						11						194,481						9
1-4 Family Investment Mortgage						333,692						337,425						(1)						404,021						(17)
Total 1-4 Family Properties						545,918						528,130						3						598,502						(9)
Commercial Development						55,467						48,948						13						73,022						(24)
Residential Development						77,581						67,525						15						79,961						(3)
Land Acquisition						154,449						186,332						(17)						201,969						(24)
Land and Development						287,497						302,805						(5)						354,952						(19)
Total Commercial Real Estate						12,014,619						12,177,484						(1)						12,316,758						(2)
Consumer Mortgages						5,288,776						5,323,443						(1)						5,411,723						(2)
Home Equity Lines						1,831,287						1,809,286						1						1,807,399						1
Credit Cards						185,871						181,386						2						194,141						(4)
Other Consumer Loans						957,346						965,078						(1)						1,075,976						(11)
Total Consumer						8,263,280						8,279,193						—						8,489,239						(3)
Total						$	42,609,028					$	43,120,674					(1)		%				$	43,404,490					(2)		%
NON-PERFORMING LOANS COMPOSITION
(Unaudited)
(Dollars in thousands)
						Total Non-performing Loans						Total Non-performing Loans						Linked Quarter						Total Non-performing Loans						Year/Year
Loan Type						December 31, 2024						September 30, 2024						% Change						December 31, 2023						% Change
Commercial, Financial, and Agricultural						$	122,874					$	107,004					15		%				$	89,870					37		%
Owner-Occupied						34,380						48,390						(29)						91,370						(62)
Total Commercial & Industrial						157,254						155,394						1						181,240						(13)
Multi-Family						112						1,692						(93)						1,681						(93)
Office Buildings						72,430						78,281						(7)						35,338						105
Shopping Centers						515						523						(2)						641						(20)
Warehouses						153						163						(6)						196						(22)
Other Investment Property						820						1,612						(49)						1,914						(57)
Total Investment Properties						74,030						82,271						(10)						39,770						86
1-4 Family Construction						—						311						(100)						—						nm
1-4 Family Investment Mortgage						2,385						2,533						(6)						3,056						(22)
Total 1-4 Family Properties						2,385						2,844						(16)						3,056						(22)
Residential Development						—						268						(100)						267						(100)
Land Acquisition						1,389						1,422						(2)						537						159
Land and Development						1,389						1,690						(18)						804						73
Total Commercial Real Estate						77,804						86,805						(10)						43,630						78
Consumer Mortgages						50,834						48,956						4						46,108						10
Home Equity Lines						17,365						15,837						10						10,473						66
Other Consumer Loans						5,907						5,972						(1)						6,726						(12)
Total Consumer						74,106						70,765						5						63,307						17
Total						$	309,164					$	312,964					(1)		%				$	288,177					7		%

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Synovus
			CREDIT QUALITY DATA
			(Unaudited)
			(Dollars in thousands)						2024																								2023						Fourth Quarter
									Fourth						Third						Second						First						Fourth						'24 vs '23
									Quarter						Quarter						Quarter						Quarter						Quarter						% Change
			Non-performing Loans (NPL)						$	309,164					312,964						256,106						350,450						288,177						7		%
			Other Real Estate and Other Assets						385						386						823						21,210						—						NM
			Non-performing Assets (NPAs)						309,549						313,350						256,929						371,660						288,177						7
			Allowance for Loan Losses (ALL)						486,845						484,985						485,101						492,661						479,385						2
			Reserve for Unfunded Commitments						52,462						49,556						53,058						53,579						57,231						(8)
			Allowance for Credit Losses (ACL)						539,307						534,541						538,159						546,240						536,616						1
			Net Charge-Offs - Quarter						28,101						27,052						34,485						44,356						41,574
			Net Charge-Offs - YTD						133,994						105,893						78,841						44,356						153,342
			Net Charge-Offs / Average Loans - Quarter (1)						0.26		%				0.25						0.32						0.41						0.38
			Net Charge-Offs / Average Loans - YTD (1)						0.31						0.33						0.36						0.41						0.35
			NPLs / Loans						0.73						0.73						0.59						0.81						0.66
			NPAs / Loans, ORE and specific other assets						0.73						0.73						0.60						0.86						0.66
			ACL/Loans						1.27						1.24						1.25						1.26						1.24
			ALL/Loans						1.14						1.12						1.13						1.14						1.10
			ACL/NPLs						174.44						170.80						210.13						155.87						186.21
			ALL/NPLs						157.47						154.96						189.41						140.58						166.35
			Past Due Loans over 90 days and Still Accruing						$	48,592					4,359						4,460						3,748						5,053						NM
			As a Percentage of Loans Outstanding						0.11		%				0.01						0.01						0.01						0.01
			Total Past Due Loans and Still Accruing						$	108,878					97,229						129,759						54,814						59,099						84
			As a Percentage of Loans Outstanding						0.26		%				0.23						0.30						0.13						0.14
			(1) Ratio is annualized.
			SELECTED CAPITAL INFORMATION (1)
			(Unaudited)
			(Dollars in thousands)
									December 31, 2024						September 30, 2024						December 31, 2023
			Common Equity Tier 1 Capital Ratio						10.84		%				10.64						10.22
			Tier 1 Capital Ratio						11.96						11.76						11.28
			Total Risk-Based Capital Ratio						13.80						13.60						13.07
			Tier 1 Leverage Ratio						9.55						9.55						9.49
			Total Synovus Financial Corp. shareholders’ equity as a Percentage of Total Assets						8.71						8.99						8.56
			Tangible Common Equity Ratio(2)						7.02						7.28						6.84
			Book Value Per Common Share(3)						$	33.35					33.94						31.24
			Tangible Book Value Per Common Share(4)						29.70						30.29						27.65
			(1) Current quarter regulatory capital information is preliminary.
			(2) See "Non-GAAP Financial Measures" for applicable reconciliation.
			(3) Book Value Per Common Share consists of Total Synovus Financial Corp. shareholders' equity less Preferred Stock divided by total common shares outstanding.
			(4) Tangible Book Value Per Common Share consists of Total Synovus Financial Corp. shareholders' equity less Preferred Stock and less the carrying value of goodwill and other intangible assets divided by total common shares outstanding.