suntrust wealth and investment management line of business william h rogers jr corporate executive vice president 0 the following should be read in conjunction with financial statements notes other information contained company s quarterly report for period ended march 31 2006 on form 10 q 2005 annual k this presentation includes non gaap measures to describe performance reconciliation those can found appendix as well earnings press releases which website news section investor relations pages net interest income margin efficiency ratio are presented a fully taxable equivalent fte basis ratios an annualized adjusts tax favored status from certain loans investments believes measure preferred industry measurement provides relevant comparison between amounts contains forward looking within meaning