Financial Strength Underpins Our Growth
Individual deposits represent 44% of our deposit book, also well above average among peer institutions, and low-cost deposits are 91% of our total.
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.
