Regions Bank 2012 Annual Report Download - page 2
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(In millions, except per share data) 2012 2011 2010
EARNINGS SUMMARY
Income (loss) from continuing operations available to common shareholders $ 1,050 $ (25) $ (692)
Net income (loss) available to common shareholders 991 (429) (763)
Earnings (loss) per common share from continuing operations – diluted 0.76 (0.02) (0.56)
Earnings (loss) per common share – diluted 0.71 (0.34) (0.62)
BALANCE SHEET SUMMARY
At year-end
Loans net of unearned income $ 73,995 $ 77,594 $ 82,864
Assets 121,347 127,050 132,351
Deposits 95,474 95,627 94,614
Long-term debt 5,861 8,110 13,190
Stockholders’ equity 15,499 16,499 16,734
Average balances – Continuing Operations
Loans net of unearned income $ 76,035 $ 80,673 $ 86,660
Assets 122,182 126,719 132,720
Deposits 95,330 95,671 96,489
Long-term debt 6,694 11,240 15,489
Stockholders’ equity 15,035 15,350 15,916
SELECTED RATIOS
Tangible common stockholders’ equity to tangible assets (non-GAAP)1 8.63% 6.58% 6.04%
Allowance for loan losses as a percentage of loans net of unearned income 2.59 3.54 3.84
Allowance for credit losses as a percentage of loans net of unearned income 2.71 3.64 3.93
Efficiency ratio (non-GAAP)1 64.42 64.56 67.74
Tier 1 Common (non-GAAP)1 10.84 8.51 7.85
Tier 1 Capital 12.00 13.28 12.40
OTHER INFORMATION
Basic Weighted-average number of common shares outstanding 1,381 1,258 1,227
Diluted Weighted-average number of common shares outstanding 1,387 1,258 1,227
Total Branch Outlets 1,711 1,726 1,772
ATMs 2,054 2,083 2,148
1See Table 2 in Form 10-K for GAAP to non-GAAP reconciliations.