As of Mar 31, 2013, tier 1 leverage ratio was 13.64%, up from 13.16% as of Dec 31, 2012. However, Tier 1 risk-based capital ratio was 31.14%, down from 33.60% as of Dec 31, 2012. Total risk-based capital ratio came in at 32.35%, dipping from 34.88% as of Dec 31, 2012. Though profitability ratios remained strong, there was a slight deterioration. The return on average assets was 1.55%, decreasing from 1.74% as of Dec 31, 2012. As of Mar 31, 2013, return on average stockholder equity came in at 10.67%, declining from 12.76% as of Dec 31, 2012. Performance of Other Major Regional Banks M&T Bank Corporation ( MTB ) and Comerica Incorporated ( CMA ) reported better-than-expected first-quarter earnings. For M&T Bank, earnings were primarily aided by reduced provision for credit losses, partially offset by rise in expenses and declining top line. Comerica's results reflected reduced expenses, partly offset by a decline in revenues.