CONSOLIDATED STATEMENTS OF INCOME For the years ended December 31 ($ in millions, except per share data)  2010 2009 2008 Interest Income  Interest and fees on loans and leases  $3,823 3,934  4,935  Interest on securities  658 733  660  Interest on other short-term investments  8 1  13  Total interest income  4,489 4,668  5,608  Interest Expense  Interest on deposits  591 953  1,289  Interest on other short-term borrowings  4  43  248  Interest on long-term debt  290 318  557  Total interest expense  885 1,314 2,094 Net Interest Income  3,604 3,354  3,514  Provision for loan and lease losses  1,538 3,543  4,560  Net Interest Income (Loss) After Provision for Loan and Lease Losses  2,066 (189)  (1,046)  Noninterest Income  Mortgage banking net revenue  647  553  199  Service charges on deposits  574 632  641  Corporate banking revenue  364 372 431 Investment advisory revenue  361 326  366 Card and processing revenue  316 615  912  Gain on sale of processing business  - 1,758 - Other noninterest income  406 479 363 Securities gains (losses), net  47 (10) (86) Securities gains - non-qualifying hedges on mortgage servicing rights  14 57 120 Total noninterest income  2,729 4,782  2,946  Noninterest Expense  Salaries, wages and incentives  1,430 1,339  1,337  Employee benefits  314 311  278  Net occupancy expense  298 308  300  Technology and communications  189 181 191 Equipment expense  122 123  130  Card and processing expense  108  193  274  Goodwill impairment  - - 965 Other noninterest expense  1,394  1,371 1,089 Total noninterest expense  3,855  3,826 4,564 Income (Loss) Before Income Taxes 940  767  (2,664)  Applicable income tax expense (benefit)  187  30 (551) Net Income (Loss)  753  737 (2,113)  Less: Net income attributable to noncontrolling interest  - - - Net income (loss) attributable to Bancorp  753 737 (2,113) Dividends on preferred stock  250 226 67 Net Income (Loss) Available to Common Shareholders $503  511  (2,180)  Earnings Per Share  $0.63  0.73  (3.91)  Earnings Per Diluted Share  $0.63  0.67  (3.91)  See Notes to Consolidated Financial Statements.  Fifth Third Bancorp 69 