SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported) February 12, 1996
SunTrust Banks, Inc.
(Exact name of registrant as specified in its charter)
Georgia 1-8918 58-1575035
(State or other jurisdiction Commission (IRS Employer
of incorporation) File Number) Identification No.)
25 Park Place, N.E., Atlanta, Georgia 30313
(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code (404) 588-7711
Item 7. Financial Statements and Exhibits
Atttached hereto is a revised Exhibit 12 to the Registration Statement on Form
S-3 File No. 33-54493 that includes amounts for the nine months ended September,
30, 1995 and 1994.
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.
SUNTRUST BANKS, INC.
(Registrant)
Date: February 12, 1996 By: Raymond D. Fortin
Senior Vice President
EXHIBIT INDEX
Exhibit Number and Description
12. Ratio of Earnings to Fixed Charges
EXHIBIT 12.1
Ratio of Earnings to Fixed Charges (In thousands)
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Nine Months Ended
September 30
1995 1994
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Ratio 1 - including deposit interest
Earnings:
Income before income taxes $626,293 $584,028
Fixed charges 1,010,234 668,835
Total $1,636,527 $1,252,863
Fixed charges:
Interest on deposits $738,975 $499,408
Interest on funds purchased 170,331 79,777
Interest on other short-term borrowings 40,854 32,064
Interest on long-term debt 50,378 47,007
Portion of rents representative of the
interest factor (1/3) of rental expense 9,696 10,579
Total $1,010,234 $668,835
Earnings to fixed charges 1.62 x 1.87 x
Ratio 2 - excluding deposit interest
Earnings:
Income before income taxes $626,293 $584,028
Fixed charges 271,259 169,427
Total $897,552 $753,455
Fixed charges:
Interest on funds purchased $170,331 $122,055
Interest on other short-term borrowings 40,854 42,519
Interest on long-term debt 50,378 63,119
Portion of rents representative of the
interest factor (1/3) of rental expense 9,696 13,787
Total $271,259 $241,480
Earnings to fixed charges 3.31 x 3.12 x
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