on July 21 reportedsecond-quarter net income available to common shareholders of $541 million, or66 cents per share, up from $454 million, or 62 cents per share, in the year-ago period.

Excludingmerger-related and restructuring charges of $58 million, net oftax, and a $13 million tax benefit, thebottomline was $586million, or 71 cents per share. The S&P Capital IQ consensus normalized EPSestimate for the recent quarter was 68 cents.

TheWinston-Salem, N.C.-based company's total revenue was $2.79 billion, anacquisition-driven increase from $2.58 billion in the first quarter and $2.37billion in the second quarter of 2015.

Net interest margin for the recent quarter was 3.41%, downfrom 3.43% in the previous quarter and up from 3.27% in the same quarter lastyear.

Taking into account even loans acquired from the FDIC andthose bought credit impaired, the quarter's provision for credit losses was$111 million, down sequentially from $184 million and up year over year from$97 million. Nonperforming assets decreased to $886 million from the priorquarter's $903 million, thanks to a $24 million decline in totalforeclosed properties.

Net charge-offs were 0.28% of average loans and leases,annualized, compared with 0.46% in the prior quarter and 0.33% a yearago. In the first quarter, there was a $17 million energy-relatedprovision in excess of net charge-offs, after tax.