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Regions Bank, Assets and Liabilities
| 1997-12-31 | Rank | |
| # of Employees: | 31 | 5,405 |
| Assets and Liabilities | ||
| Total Assets: | $120,428,000 | 3,661 |
| Cash and due from depository institutions | $4,278,000 | 5,405 |
| Interest-bearing balances | $0 | 6,604 |
| Securities | $14,334,000 | 6,147 |
| Federal funds sold & reverse repurchase agreements | $4,950,000 | 2,737 |
| Net loans & leases | $92,540,000 | 2,954 |
| Loan loss allowance | $985,000 | 3,399 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $2,530,000 | 3,119 |
| Other real estate owned | $0 | 5,405 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $1,796,000 | 3,837 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $120,428,000 | 3,661 |
| Total liabilities | $111,085,000 | 3,573 |
| Total deposits | $105,101,000 | 3,514 |
| Interest-bearing deposits | $92,505,000 | 3,433 |
| Deposits held in domestic offices | $105,101,000 | 3,506 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,078,000 | 2,104 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $2,200,000 | 2,764 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $1,706,000 | 2,317 |
| Total equity capital | $9,343,000 | 4,568 |
| Total bank equity capital | $9,343,000 | 4,568 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $1,750,000 | 2,125 |
| Surplus | $2,040,000 | 5,324 |
| Undivided profits | $5,553,000 | 4,148 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $562,000 | 3,769 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $343,000 | 412 |
| Income earned, not collected on loans | $753,000 | 3,104 |
| Earning assets | $111,824,000 | 3,621 |
| Long-term assets (5+ years) | $5,272,000 | 5,862 |
| Average Assets, year-to-date | $114,885,600 | 3,657 |
| Average Assets, quarterly | $119,178,500 | 3,646 |
| Volatile liabilities | $21,525,000 | 2,827 |
| Insider loans | $1,776,000 | 2,284 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $18,841,000 | 2,212 |
| Tier 1 (core) risk-based capital | $9,344,000 | 4,432 |
| Tier 2 risk-based capital | $985,000 | 2,968 |
| Total risk weighted assets | $93,430,100 | 2,957 |
| Total unused commitments | $18,841,000 | 2,218 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 41 | 4,469 |
| Assets and Liabilities | ||
| Total Assets: | $108,448,000 | 4,097 |
| Cash and due from depository institutions | $3,577,000 | 4,469 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $15,393,000 | 6,314 |
| Federal funds sold & reverse repurchase agreements | $290,000 | 7,919 |
| Net loans & leases | $84,958,000 | 3,215 |
| Loan loss allowance | $844,000 | 4,047 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $2,656,000 | 2,921 |
| Other real estate owned | $85,000 | 4,469 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $1,489,000 | 4,658 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $108,448,000 | 4,097 |
| Total liabilities | $100,616,000 | 3,993 |
| Total deposits | $88,895,000 | 4,227 |
| Interest-bearing deposits | $76,450,000 | 4,246 |
| Deposits held in domestic offices | $88,895,000 | 4,217 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,118,000 | 2,197 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $8,280,000 | 1,458 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $1,323,000 | 2,846 |
| Total equity capital | $7,832,000 | 5,326 |
| Total bank equity capital | $7,832,000 | 5,326 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $1,750,000 | 2,262 |
| Surplus | $2,040,000 | 5,394 |
| Undivided profits | $4,042,000 | 5,112 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $234,000 | 6,278 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $634,000 | 3,639 |
| Earning assets | $100,641,000 | 4,071 |
| Long-term assets (5+ years) | $4,619,000 | 6,060 |
| Average Assets, year-to-date | $98,222,800 | 4,330 |
| Average Assets, quarterly | $105,259,500 | 4,171 |
| Volatile liabilities | $23,822,000 | 2,532 |
| Insider loans | $2,144,000 | 1,983 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $20,659,000 | 2,002 |
| Tier 1 (core) risk-based capital | $7,865,000 | 5,216 |
| Tier 2 risk-based capital | $844,000 | 3,485 |
| Total risk weighted assets | $84,472,800 | 3,257 |
| Total unused commitments | $20,659,000 | 2,015 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 44 | 4,330 |
| Assets and Liabilities | ||
| Total Assets: | $89,198,000 | 4,899 |
| Cash and due from depository institutions | $3,201,000 | 4,330 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $16,780,000 | 6,253 |
| Federal funds sold & reverse repurchase agreements | $2,760,000 | 4,613 |
| Net loans & leases | $62,979,000 | 4,093 |
| Loan loss allowance | $917,000 | 3,808 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $2,163,000 | 3,451 |
| Other real estate owned | $74,000 | 4,330 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $1,241,000 | 5,455 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $89,198,000 | 4,899 |
| Total liabilities | $82,197,000 | 4,775 |
| Total deposits | $78,610,000 | 4,782 |
| Interest-bearing deposits | $67,381,000 | 4,787 |
| Deposits held in domestic offices | $78,610,000 | 4,773 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,043,000 | 2,170 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $360,000 | 3,671 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $1,184,000 | 3,162 |
| Total equity capital | $7,001,000 | 5,858 |
| Total bank equity capital | $7,001,000 | 5,858 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $1,750,000 | 2,319 |
| Surplus | $2,040,000 | 5,445 |
| Undivided profits | $3,211,000 | 5,975 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $112,000 | 8,041 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $405,000 | 5,717 |
| Earning assets | $82,519,000 | 4,867 |
| Long-term assets (5+ years) | $5,240,000 | 5,692 |
| Average Assets, year-to-date | $85,628,800 | 4,872 |
| Average Assets, quarterly | $88,539,000 | 4,870 |
| Volatile liabilities | $13,037,000 | 3,746 |
| Insider loans | $2,878,000 | 1,509 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $881,000 | 857 |
| Unused loan commitments | $11,411,000 | 2,988 |
| Tier 1 (core) risk-based capital | $7,088,000 | 5,678 |
| Tier 2 risk-based capital | $798,470 | 3,594 |
| Total risk weighted assets | $63,758,870 | 4,092 |
| Total unused commitments | $11,411,000 | 2,999 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 50 | 3,975 |
| Assets and Liabilities | ||
| Total Assets: | $80,233,000 | 5,307 |
| Cash and due from depository institutions | $3,410,000 | 3,975 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $19,685,000 | 5,933 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $54,019,000 | 4,599 |
| Loan loss allowance | $960,000 | 3,738 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $1,732,000 | 4,131 |
| Other real estate owned | $74,000 | 3,975 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $1,313,000 | 5,482 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $80,233,000 | 5,307 |
| Total liabilities | $74,009,000 | 5,222 |
| Total deposits | $70,834,000 | 5,171 |
| Interest-bearing deposits | $60,042,000 | 5,234 |
| Deposits held in domestic offices | $70,834,000 | 5,164 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,894,000 | 2,711 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $529,000 | 3,682 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $752,000 | 3,795 |
| Total equity capital | $6,224,000 | 6,090 |
| Total bank equity capital | $6,224,000 | 6,090 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $1,750,000 | 2,378 |
| Surplus | $2,040,000 | 5,440 |
| Undivided profits | $2,434,000 | 6,558 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $242,000 | 6,238 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $299,000 | 6,580 |
| Earning assets | $73,704,000 | 5,297 |
| Long-term assets (5+ years) | $5,015,000 | 5,993 |
| Average Assets, year-to-date | $78,277,000 | 5,313 |
| Average Assets, quarterly | $80,419,000 | 5,248 |
| Volatile liabilities | $9,658,000 | 4,455 |
| Insider loans | $2,291,000 | 1,826 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $502,000 | 823 |
| Unused loan commitments | $7,447,000 | 3,834 |
| Tier 1 (core) risk-based capital | $6,694,000 | 5,849 |
| Tier 2 risk-based capital | $687,290 | 4,056 |
| Total risk weighted assets | $54,710,490 | 4,584 |
| Total unused commitments | $7,447,000 | 3,841 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 52 | 3,986 |
| Assets and Liabilities | ||
| Total Assets: | $74,800,000 | 5,739 |
| Cash and due from depository institutions | $3,836,000 | 3,986 |
| Interest-bearing balances | $0 | 7,655 |
| Securities | $21,729,000 | 5,773 |
| Federal funds sold & reverse repurchase agreements | $2,600,000 | 4,849 |
| Net loans & leases | $43,332,000 | 5,371 |
| Loan loss allowance | $889,000 | 4,108 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $1,937,000 | 3,730 |
| Other real estate owned | $427,000 | 3,986 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $939,000 | 6,419 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $74,800,000 | 5,739 |
| Total liabilities | $68,939,000 | 5,672 |
| Total deposits | $66,138,000 | 5,672 |
| Interest-bearing deposits | $57,530,000 | 5,647 |
| Deposits held in domestic offices | $66,138,000 | 5,662 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,921,000 | 2,278 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $287,000 | 3,815 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $593,000 | 4,715 |
| Total equity capital | $5,861,000 | 6,499 |
| Total bank equity capital | $5,861,000 | 6,499 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $1,750,000 | 2,421 |
| Surplus | $2,040,000 | 5,423 |
| Undivided profits | $2,071,000 | 7,399 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $736,000 | 3,878 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $222,000 | 7,616 |
| Earning assets | $67,661,000 | 5,805 |
| Long-term assets (5+ years) | $5,572,000 | 6,120 |
| Average Assets, year-to-date | $75,365,600 | 5,561 |
| Average Assets, quarterly | $73,928,500 | 5,750 |
| Volatile liabilities | $9,794,000 | 4,156 |
| Insider loans | $1,396,000 | 2,842 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $735,000 | 1,119 |
| Unused loan commitments | $6,826,000 | 4,027 |
| Tier 1 (core) risk-based capital | $5,861,000 | 6,416 |
| Tier 2 risk-based capital | $578,610 | 4,651 |
| Total risk weighted assets | $45,978,610 | 5,272 |
| Total unused commitments | $6,826,000 | 4,051 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 50 | 4,240 |
| Assets and Liabilities | ||
| Total Assets: | $75,498,000 | 5,756 |
| Cash and due from depository institutions | $4,081,000 | 4,240 |
| Interest-bearing balances | $0 | 8,059 |
| Securities | $19,811,000 | 6,142 |
| Federal funds sold & reverse repurchase agreements | $3,800,000 | 4,184 |
| Net loans & leases | $43,892,000 | 5,347 |
| Loan loss allowance | $751,000 | 4,742 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $1,824,000 | 3,921 |
| Other real estate owned | $1,052,000 | 4,240 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $1,038,000 | 6,171 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $75,498,000 | 5,756 |
| Total liabilities | $70,292,000 | 5,647 |
| Total deposits | $68,059,000 | 5,632 |
| Interest-bearing deposits | $61,003,000 | 5,503 |
| Deposits held in domestic offices | $68,059,000 | 5,623 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,281,000 | 2,370 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $431,000 | 3,302 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $521,000 | 5,652 |
| Total equity capital | $5,206,000 | 6,877 |
| Total bank equity capital | $5,206,000 | 6,877 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $1,750,000 | 2,511 |
| Surplus | $2,040,000 | 5,333 |
| Undivided profits | $1,416,000 | 8,571 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,773,000 | 2,459 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $263,000 | 7,247 |
| Earning assets | $67,503,000 | 5,857 |
| Long-term assets (5+ years) | $8,557,000 | 4,772 |
| Average Assets, year-to-date | $79,539,800 | 5,386 |
| Average Assets, quarterly | $75,838,500 | 5,689 |
| Volatile liabilities | $9,240,000 | 4,368 |
| Insider loans | $622,000 | 1,445 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $1,213,000 | 677 |
| Unused loan commitments | $3,932,000 | 5,304 |
| Tier 1 (core) risk-based capital | $5,206,000 | 6,811 |
| Tier 2 risk-based capital | $598,930 | 4,496 |
| Total risk weighted assets | $47,762,530 | 5,128 |
| Total unused commitments | $3,932,000 | 5,334 |
| Derivatives | $0 | 651 |