STI 2018 Annual Report

75 Selected Financial Data and Reconcilement of Non-U.S. GAAPMeasures (continued) Reconcilement of Non-U.S. GAAP Measures - Annual Year Ended December 31 (Dollars in millions, except per share data) 2018 2017 2016 2015 2014 Net interest margin 3.22% 3.06% 2.92% 2.82% 2.98% Impact of FTE adjustment 0.04 0.08 0.08 0.09 0.09 Net interest margin-FTE 1 3.26% 3.14% 3.00% 2.91% 3.07% Efficiency ratio 4 61.58% 64.14% 63.55% 64.24% 67.90% Impact of FTE adjustment (0.59) (1.02) (1.00) (1.11) (1.16) Efficiency ratio-FTE 1, 4 60.99 63.12 62.55 63.13 66.74 Impact of excluding amortization related to intangible assets and certain tax credits (0.78) (0.82) (0.56) (0.49) (0.30) Tangible efficiency ratio-FTE 1, 4, 5 60.21 62.30 61.99 62.64 66.44 Impact of excluding NCF Retirement Plan settlement charge, Form 8-K and tax reform-related items, as well as other legacy mortgage-related items (0.65) (1.26) — — (3.10) Adjusted tangible efficiency ratio-FTE 1, 4, 5, 6, 10 59.56% 61.04% 61.99% 62.64% 63.34% ROE 12.13% 9.72% 7.97% 8.46% 8.10% 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 4.76 3.67 2.94 3.29 3.39 ROTCE 3 16.89% 13.39% 10.91% 11.75% 11.49% Net interest income $5,987 $5,633 $5,221 $4,764 $4,840 FTE adjustment 88 145 138 142 142 Net interest income-FTE 1 6,075 5,778 5,359 4,906 4,982 Noninterest income 3,226 3,354 3,383 3,268 3,323 Total revenue-FTE 1 9,301 9,132 8,742 8,174 8,305 Impact of excluding Form 8-K items — — — — (105) Total adjusted revenue-FTE 1, 10 $9,301 $9,132 $8,742 $8,174 $8,200 Net income available to common shareholders $2,668 $2,179 $1,811 $1,863 $1,722 Impact of excluding Form 8-K and other items — — — — 7 Adjusted net income available to common shareholders 10 $2,668 $2,179 $1,811 $1,863 $1,729 Noninterest income $3,226 $3,354 $3,383 $3,268 $3,323 Impact of excluding Form 8-K items — — — — (105) Adjusted noninterest income 10 $3,226 $3,354 $3,383 $3,268 $3,218 Noninterest expense $5,673 $5,764 $5,468 $5,160 $5,543 Impact of excluding Form 8-K and other items — — — — (324) Adjusted noninterest expense 10 $5,673 $5,764 $5,468 $5,160 $5,219 Diluted net income per average common share $5.74 $4.47 $3.60 $3.58 $3.23 Impact of excluding Form 8-K and other items — — — — 0.01 Adjusted diluted net income per average common share 10 $5.74 $4.47 $3.60 $3.58 $3.24 At December 31 (Dollars in millions, except per share data) 2018 2017 2016 2015 2014 Total shareholders’ equity $24,280 $25,154 $23,618 $23,437 $23,005 Goodwill, net of deferred taxes 9 (6,171) (6,168) (6,086) (6,097) (6,123) Other intangible assets (including residential MSRs and other servicing rights) (2,062) (1,791) (1,657) (1,325) (1,219) Residential MSRs and other servicing rights 2,049 1,776 1,638 1,316 1,206 Tangible equity 7 18,096 18,971 17,513 17,331 16,869 Noncontrolling interest (103) (103) (103) (108) (108) Preferred stock (2,025) (2,475) (1,225) (1,225) (1,225) Tangible common equity 7 $15,968 $16,393 $16,185 $15,998 $15,536 Total assets $215,543 $205,962 $204,875 $190,817 $190,328 Goodwill (6,331) (6,331) (6,337) (6,337) (6,337) Other intangible assets (including residential MSRs and other servicing rights) (2,062) (1,791) (1,657) (1,325) (1,219) Residential MSRs and other servicing rights 2,049 1,776 1,638 1,316 1,206 Tangible assets $209,199 $199,616 $198,519 $184,471 $183,978 Tangible common equity to tangible assets 7 7.63% 8.21% 8.15% 8.67% 8.44% Tangible book value per common share 2 $35.73 $34.82 $32.95 $31.45 $29.62