Regions Financial Corporation · NYSE:RF
Regions Financial — Q4 2010 Earnings Presentation
12 slides from Regions Financial's earnings presentation, Jan 25, 2011
Slide 1: Regions Financial Fourth Quarter Earnings Conference Call
Regions Financial th Quarter Earnings Conference Call January 25, 2011 Exhibit 99.3
Slide 2: Forward-Looking Statements
› Forward - Looking Statements
Slide 3: Summary of Fourth Quarter 2010 Results
Summary of Fourth Quarter 2010 Results Earnings Highlights Credit trends are improving Non-performing loans, excluding loans HFS, declined $212 million to $3.2 billion Loan loss provision of $682 million; provision essentially equaled net charge-offs Credit Update ($ in millions) 4Q09 3Q10 4Q10 Non-
Slide 4: Non-Performing Loan Inflows Decline
Non-Performing Loan Inflows Decline
Slide 5: Non-performing Asset Levels Decline
Non-performing Asset Levels Decline Non-performing loans declined $212 million Non-performing assets declined $308 million from third quarter For the full year non-performing assets declined $494 million
Slide 6: Loan Charge-Offs and Allowance
Loan Charge-Offs and Allowance (1) Loan charge-offs related Sales / Transfer to Held for Sale (2) Excludes loans held for sale
Slide 7: Commercial and Industrial Growing; Investor Real Estate Reflects De-risking Efforts
Commercial and Industrial Growing; Investor Real Estate Reflects De-risking Efforts Specialty Lending Groups Small Business Focus Growth in C&I more broadly distributed across market and in more industries than the rd quarter Investor Real Estate declined $1.6 billion; down close to $6 billion year-
Slide 8: Decline in Deposit Costs Driven by Changing Deposit Mix
Decline in Deposit Costs Driven by Changing Deposit Mix As anticipated, our improving cost structure impacted overall deposit balances Deposit costs declined 6 bps linked quarter; down 51 bps year-over-year Total funding costs declined 11 bps linked quarter to 0.91% ($ in millions) 3Q10 Avg Rate 4Q1
Slide 9: Decline in Deposit Costs and Improvement in Loan Yields Drive Net Interest Income Higher
Decline in Deposit Costs and Improvement in Loan Yields Drive Net Interest Income Higher Net interest margin climbed 4bps linked quarter; up 28 bps year-to-date Repricing opportunities remain with over $13.5 billion of CD’s maturing in the next 12 months at an average of 2.05% Loan yields increased
Slide 10: Solid non-interest revenue; focused expense management
Solid non-interest revenue; focused expense management Adjusted non-interest revenue* 6% higher versus prior quarter Increase in interchange income reflects increased debit card volume and fee- based account growth Morgan Keegan’s revenues were solid reflecting strength in private client and investm
Slide 11: Capital Ratios Remain Strong; Liquidity Profile Solid
Capital Ratios Remain Strong; Liquidity Profile Solid (1) Current Quarter ratios are estimated (2) Subject to change as interpretation of Basel III rules is ongoing and dependent on guidance from Basel and regulators. Solid liquidity at both the bank and holding company Loan-to-deposit ratio of 88 p
Slide 12: A. REGIONS
A. REGIONS