SunTrust 2011 Annual Report Download - page 44
Download and view the complete annual report
Please find page 44 of the 2011 SunTrust annual report below. You can navigate through the pages in the report by either clicking on the pages listed below, or by using the keyword search tool below to find specific information within the annual report.-
1
-
2
-
3
-
4
-
5
-
6
-
7
-
8
-
9
-
10
-
11
-
12
-
13
-
14
-
15
-
16
-
17
-
18
-
19
-
20
-
21
-
22
-
23
-
24
-
25
-
26
-
27
-
28
-
29
-
30
-
31
-
32
-
33
-
34
-
35
-
36
-
37
-
38
-
39
-
40
-
41
-
42
-
43
-
44
-
45
-
46
-
47
-
48
-
49
-
50
-
51
-
52
-
53
-
54
-
55
-
56
-
57
-
58
-
59
-
60
-
61
-
62
-
63
-
64
-
65
-
66
-
67
-
68
-
69
-
70
-
71
-
72
-
73
-
74
-
75
-
76
-
77
-
78
-
79
-
80
-
81
-
82
-
83
-
84
-
85
-
86
-
87
-
88
-
89
-
90
-
91
-
92
-
93
-
94
-
95
-
96
-
97
-
98
-
99
-
100
-
101
-
102
-
103
-
104
-
105
-
106
-
107
-
108
-
109
-
110
-
111
-
112
-
113
-
114
-
115
-
116
-
117
-
118
-
119
-
120
-
121
-
122
-
123
-
124
-
125
-
126
-
127
-
128
-
129
-
130
-
131
-
132
-
133
-
134
-
135
-
136
-
137
-
138
-
139
-
140
-
141
-
142
-
143
-
144
-
145
-
146
-
147
-
148
-
149
-
150
-
151
-
152
-
153
-
154
-
155
-
156
-
157
-
158
-
159
-
160
-
161
-
162
-
163
-
164
-
165
-
166
-
167
-
168
-
169
-
170
-
171
-
172
-
173
-
174
-
175
-
176
-
177
-
178
-
179
-
180
-
181
-
182
-
183
-
184
-
185
-
186
-
187
-
188
-
189
-
190
-
191
-
192
-
193
-
194
-
195
-
196
-
197
-
198
-
199
-
200
-
201
-
202
-
203
-
204
-
205
-
206
-
207
-
208
-
209
-
210
-
211
-
212
-
213
-
214
-
215
-
216
-
217
-
218
-
219
-
220
-
221
-
222
-
223
-
224
-
225
-
226
-
227
28
Tangible efficiency ratio2
Total average shareholders’ equity to total average assets
Tangible equity to tangible assets2
Effective tax rate (benefit) 5
Allowance to year-end total loans
Total nonperforming assets to total loans plus OREO,
other repossessed assets, and nonperforming LHFS
Common dividend payout ratio6
Capital Adequacy
Tier 1 common equity
Tier 1 capital
Total capital
Tier 1 leverage
71.99
12.00
8.10
10.84
2.01
2.76
12.9
9.22%
10.90
13.67
8.75
67.36
13.25
10.12
NM
2.58
4.08
N/A
8.08%
13.67
16.54
10.94
69.35
12.70
9.66
(36.50)
2.76
5.33
N/A
7.67%
12.96
16.43
10.90
62.51
10.58
8.46
(9.23)
1.86
3.49
135.6
5.83%
10.87
14.04
10.45
62.11
10.08
6.38
27.21
1.05
1.35
64.5
5.27%
6.93
10.30
6.90
1 Beginning in the fourth quarter of 2009, SunTrust began recording the provision for unfunded commitments within the provision for credit losses in the
Consolidated Statements of Income/(Loss). Considering the immateriality of this provision, prior to the fourth quarter of 2009, the provision for unfunded
commitments remains classified within other noninterest expense in the Consolidated Statements of Income/(Loss).
2 See Non-GAAP reconcilements in Table 41 of the MD&A.
3 Prior period amounts have been recalculated in accordance with updated accounting guidance related to EPS, that was effective January 1, 2009, and required
retrospective application.
4 For EPS calculation purposes, the impact of dilutive securities are excluded from the diluted share count during periods in which we recognize a net loss available
to common shareholders because the impact would be antidultive.
5 The effective tax rate was not meaningful for the year ended December 31, 2010.
6 The common dividend payout ratio is not applicable in a period of net loss.