STI 2018 Annual Report

TABLE OF CONTENTS Section Page GLOSSARY OF DEFINED TERMS Important Cautionary Statement About Forward-Looking Statements PART I Item 1. Business Item 1A. Risk Factors Item 1B. Unresolved Staff Comments Item 2. Properties Item 3. Legal Proceedings Item 4. Mine Safety Disclosures PART II Item 5. Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities Item 6. Selected Financial Data Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operation Item 7A. Quantitative and Qualitative Disclosures About Market Risk Item 8. Financial Statements and Supplementary Data Reports of Independent Registered Public Accounting Firm Consolidated Statements of Income Consolidated Statements of Comprehensive Income Consolidated Balance Sheets Consolidated Statements of Shareholders’ Equity Consolidated Statements of Cash Flows Notes to Consolidated Financial Statements Note 1 - Significant Accounting Policies Note 2 - Revenue Recognition Note 3 - Acquisitions/Dispositions Note 4 - Federal Funds Sold and Securities Financing Activities Note 5 - Trading Assets and Liabilities and Derivative Instruments Note 6 - Investment Securities Note 7 - Loans Note 8 - Allowance for Credit Losses Note 9 - Premises, Property, and Equipment Note 10 - Goodwill and Other Intangible Assets Note 11 - Other Assets Note 12 - Certain Transfers of Financial Assets and Variable Interest Entities Note 13 - Borrowings and Contractual Commitments Note 14 - Net Income Per Common Share Note 15 - Capital Note 16 - Income Taxes Note 17 - Employee Benefit Plans Note 18 - Guarantees Note 19 - Derivative Financial Instruments Note 20 - Fair Value Election and Measurement Note 21 - Contingencies Note 22 - Business Segment Reporting Note 23 - Accumulated Other Comprehensive Loss Note 24 - Parent Company Financial Information Note 25 - Subsequent Event Item 9. Changes in and Disagreements With Accountants on Accounting and Financial Disclosure Item 9A. Controls and Procedures Item 9B. Other Information PART III Item 10. Directors, Executive Officers and Corporate Governance Item 11. Executive Compensation Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters Item 13. Certain Relationships and Related Transactions, and Director Independence Item 14. Principal Accountant Fees and Services PART IV Item 15. Exhibits, Financial Statement Schedules Item 16. Form 10-K Summary SIGNATURES i 1 3 3 11 24 24 24 24 25 25 27 29 77 77 77 79 80 81 82 83 84 84 96 100 100 102 103 107 115 117 118 121 122 125 127 128 130 132 138 141 149 163 165 169 170 173 174 174 174 175 175 175 175 175 175 176 176 179 179