Regions Bank 2014 Annual Report Download - page 15

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14 REGIONS 2014 ANNUAL REVIEW
FINANCIAL
STRENGTH
UNDERPINS
OUR GROWTH
Regions’ strong capital position and favorable liquidity profile establish a
strong foundation for growth, while also supporting an appropriate return
of capital to shareholders.
At year-end, Regions’ Tier 1 Common ratio* stood at 11.7%, substantially
above our peer median. Liquidity is also strong as we concluded 2014 with
a loan-to-deposit ratio at 82%. We are focused on achieving organic loan
growth, and our financial strength well positions us to reach that objective
and make other prudent growth investments.
Individual deposits represent 44% of our deposit book, also well above
average among peer institutions, and low-cost deposits are 91% of our
total. These more “sticky” deposits create a stable deposit profile that is
another source of strength for Regions, one that is likely to be beneficial
in any future rising-rate environment.
Sustained and prudent growth is our objective. Regions completed 2014
with the financial strength to support investments to expand our franchise,
broaden our solution set and reach more customers.
XX
bps Improvement
Tier 1 Capital*
12.0%
12.5%
2012
2013
2014
11.7%
*
Current year capital ratios are estimated
XXbps Improvement
Liquidity
78%
82%
2012
2013
2014
81%
(Loans/Deposits)
XX
bps Improvement
Tangible Common Stockholders’
Equity to
Tangible Assets*
8.63%
9.75%
2012
2013
2014
9.24%
* See Table 2 in Form 10-K for GAAP to non-GAAP reconciliations
Regions’ strong capital position and
favorable liquidity profile establish a
strong foundation for growth, while
also supporting an appropriate return
of capital to shareholders.
Above: (left to right) Scott R., Mike D.