Regions Bank 2015 Annual Report Download - page 25

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Financial Highlights
(In millions, except per share data, branch and ATMs)
2015 2014 2013
EARNINGS SUMMARY
Income (loss) from continuing operations available to common shareholders $ 1,011 $ 1,082 $ 1,072
Net income (loss) available to common shareholders 998 1,095 1,059
Earnings (loss) per common share from continuing operations – diluted 0.76 0.78 0.76
Earnings (loss) per common share – diluted 0.75 0.79 0.75
BALANCE SHEET SUMMARY
At year-end
Loans, net of unearned income $ 81,162 $ 77,307 $ 74,609
Assets 126,050 119,563 117,288
Deposits 98,430 94,200 92,453
Long-term debt 8,349 3,462 4,830
Stockholders’ equity 16,844 16,873 15,660
Average balances – continuing operations
Loans, net of unearned income $ 79,634 $ 76,253 $ 74,924
Assets 122,265 118,352 117,712
Deposits 96,890 93,481 92,646
Long-term debt 5,046 4,057 5,206
Stockholders’ equity 16,922 16,609 15,409
SELECTED RATIOS
Tangible common stockholders’ equity to tangible assets (non-GAAP) (1) 9.13% 9.66% 9.15%
Allowance for loan losses as a percentage of loans, net of unearned income 1.36 1.43 1.80
Allowance for credit losses as a percentage of loans, net of unearned income 1.43 1.51 1.90
Eiciency ratio (non-GAAP) (1) 64.87 64.45 64.46
Basel III common equity Tier 1 ratio - Fully Phased-In Pro-Forma (non-GAAP) (1)(2)(3) 10.69 11.00 10.58
Tier 1 Capital (2)(3)(4) 11.65 12.54 11.68
OTHER INFORMATION
Basic Weighted-average number of common shares outstanding 1,325 1,375 1,395
Diluted Weighted-average number of common shares outstanding 1,334 1,387 1,410
Total Branch Outlets 1,627 1,666 1,705
ATMs 1,962 1,997 2,029
(1) See table 2 in Form 10-K for GAAP to non-GAAP reconciliations.
(2) Current year Basel III common equity Tier 1 and Tier 1 capital ratios are estimated.
(3) Regions’ regulatory capital ratios for years prior to 2015 have not been revised to reect the retrospective application of new accounting guidance
related to investments in qualied aordable housing projects.
(4) Beginning in 2015, Regions’ regulatory capital ratios are calculated pursuant to the phase-in provisions of the Basel III rules. All prior period ratios
were calculated pursuant to the Basel I capital rules.
Regions 2015 Annual Review25 Perspective Regions