STI 2018 Annual Report

74 Selected Financial Data and Reconcilement of Non-U.S. GAAPMeasures (continued) Selected Quarterly Financial Data (continued) Three Months Ended 2018 2017 December 31 September 30 June 30 March 31 December 31 September 30 June 30 March 31 Capital Ratios at period end 8 : CET1 9.21% 9.60% 9.72% 9.84% 9.74% 9.62% 9.68% 9.69% Tier 1 capital 10.30 10.72 10.86 11.00 11.15 10.74 10.81 10.40 Total capital 12.02 12.47 12.67 12.90 13.09 12.69 12.75 12.37 Leverage 9.26 9.66 9.82 9.75 9.80 9.50 9.55 9.08 Reconcilement of Non-U.S. GAAP Measures - Quarterly Three Months Ended (Dollars in millions, except per share data) 2018 2017 December 31 September 30 June 30 March 31 December 31 September 30 June 30 March 31 Net interest margin 3.22% 3.22% 3.23% 3.20% 3.09% 3.07% 3.06% 3.02% Impact of FTE adjustment 0.05 0.05 0.05 0.04 0.08 0.08 0.08 0.07 Net interest margin-FTE 1 3.27% 3.27% 3.28% 3.24% 3.17% 3.15% 3.14% 3.09% Efficiency ratio 4 62.66% 60.34% 59.98% 63.35% 67.03% 61.12% 62.24% 66.20% Impact of FTE adjustment (0.60) (0.58) (0.57) (0.58) (1.09) (0.98) (1.00) (1.01) Efficiency ratio-FTE 1, 4 62.06 59.76 59.41 62.77 65.94 60.14 61.24 65.19 Impact of excluding amortization related to intangible assets and certain tax credits (0.93) (0.82) (0.72) (0.66) (1.10) (0.93) (0.65) (0.59) Tangible efficiency ratio-FTE 1, 4, 5 61.13 58.94 58.69 62.11 64.84 59.21 60.59 64.60 Impact of excluding NCF Retirement Plan settlement charge as well as Form 8-K and tax reform-related items (2.50) — — — (4.99) — — — Adjusted tangible efficiency ratio-FTE 1, 4, 5, 6 58.63% 58.94% 58.69% 62.11% 59.85% 59.21% 60.59% 64.60% ROE 11.54% 13.01% 12.73% 11.23% 12.54% 9.03% 9.08% 8.19% Impact of removing average intangible assets other than residential MSRs and other servicing rights from average common shareholders' equity, and removing related pre-tax amortization expense from net income available to common shareholders 4.59 5.05 5.01 4.37 4.70 3.42 3.43 3.09 ROTCE 3 16.13% 18.06% 17.74% 15.60% 17.24% 12.45% 12.51% 11.28% Net interest income $1,547 $1,512 $1,488 $1,441 $1,434 $1,430 $1,403 $1,366 FTE adjustment 23 22 22 20 38 37 36 34 Net interest income-FTE 1 1,570 1,534 1,510 1,461 1,472 1,467 1,439 1,400 Noninterest income 818 782 829 796 833 846 827 847 Total revenue-FTE 1 $2,388 $2,316 $2,339 $2,257 $2,305 $2,313 $2,266 $2,247 At 2018 2017 (Dollars in millions, except per share data) December 31 September 30 June 30 March 31 December 31 September 30 June 30 March 31 Total shareholders’ equity $24,280 $24,139 $24,316 $24,269 $25,154 $24,522 $24,477 $23,484 Goodwill, net of deferred taxes 9 (6,171) (6,171) (6,172) (6,172) (6,168) (6,084) (6,085) (6,086) Other intangible assets (including residential MSRs and other servicing rights) (2,062) (2,140) (2,036) (1,996) (1,791) (1,706) (1,689) (1,729) Residential MSRs and other servicing rights 2,049 2,126 2,022 1,981 1,776 1,690 1,671 1,711 Tangible equity 7 18,096 17,954 18,130 18,082 18,971 18,422 18,374 17,380 Noncontrolling interest (103) (101) (103) (101) (103) (101) (103) (101) Preferred stock (2,025) (2,025) (2,025) (2,025) (2,475) (1,975) (1,975) (1,225) Tangible common equity 7 $15,968 $15,828 $16,002 $15,956 $16,393 $16,346 $16,296 $16,054 Total assets $215,543 $211,276 $207,505 $204,885 $205,962 $208,252 $207,223 $205,642 Goodwill (6,331) (6,331) (6,331) (6,331) (6,331) (6,338) (6,338) (6,338) Other intangible assets (including residential MSRs and other servicing rights) (2,062) (2,140) (2,036) (1,996) (1,791) (1,706) (1,689) (1,729) Residential MSRs and other servicing rights 2,049 2,126 2,022 1,981 1,776 1,690 1,671 1,711 Tangible assets $209,199 $204,931 $201,160 $198,539 $199,616 $201,898 $200,867 $199,286 Tangible common equity to tangible assets 7 7.63% 7.72% 7.96% 8.04% 8.21% 8.10% 8.11% 8.06% Tangible book value per common share 2 $35.73 $34.51 $34.40 $33.97 $34.82 $34.34 $33.83 $33.05