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Regions Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,297,000 | 3,153 |
| Total interest expense | $4,532,000 | 3,276 |
| Net interest income | $5,765,000 | 3,023 |
| Provision for loan and lease losses | $315,000 | 2,494 |
| Total noninterest income | $793,000 | 3,589 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $412,000 | 3,143 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $381,000 | 3,393 |
| Total noninterest expense | $3,775,000 | 3,350 |
| Salaries and employee benefits | $1,519,000 | 4,206 |
| Premises and equipment expense | $402,000 | 4,436 |
| Additional noninterest expense | $1,854,000 | 2,248 |
| Pre-tax net operating income | $2,468,000 | 2,946 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $839,000 | 2,828 |
| Income before extraordinary items | $1,629,000 | 3,110 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,629,000 | 3,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 2,774 |
| Cash dividends | $150,000 | 5,875 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,629,000 | 3,049 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,619,000 | 3,759 |
| Total interest expense | $3,520,000 | 4,180 |
| Net interest income | $5,099,000 | 3,472 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $898,000 | 3,401 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $380,000 | 3,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $518,000 | 2,848 |
| Total noninterest expense | $3,677,000 | 3,600 |
| Salaries and employee benefits | $1,580,000 | 4,115 |
| Premises and equipment expense | $333,000 | 5,193 |
| Additional noninterest expense | $1,764,000 | 2,746 |
| Pre-tax net operating income | $2,320,000 | 3,013 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $793,000 | 2,869 |
| Income before extraordinary items | $1,527,000 | 3,144 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,527,000 | 3,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 4,536 |
| Cash dividends | $750,000 | 2,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,527,000 | 3,103 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,108,000 | 4,496 |
| Total interest expense | $2,956,000 | 4,828 |
| Net interest income | $4,152,000 | 4,182 |
| Provision for loan and lease losses | $-150,000 | 11,777 |
| Total noninterest income | $897,000 | 3,373 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $385,000 | 3,476 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $512,000 | 2,830 |
| Total noninterest expense | $3,518,000 | 3,726 |
| Salaries and employee benefits | $1,561,000 | 4,142 |
| Premises and equipment expense | $414,000 | 4,395 |
| Additional noninterest expense | $1,543,000 | 3,015 |
| Pre-tax net operating income | $1,681,000 | 4,059 |
| Securities gains (losses) | $1,000 | 3,512 |
| Applicable income taxes | $562,000 | 3,834 |
| Income before extraordinary items | $1,120,000 | 4,189 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,120,000 | 4,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-107,000 | 11,746 |
| Cash dividends | $726,000 | 2,596 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,119,330 | 4,168 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,865,000 | 4,969 |
| Total interest expense | $2,073,000 | 5,459 |
| Net interest income | $3,792,000 | 4,593 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $1,085,000 | 2,936 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $397,000 | 3,398 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $688,000 | 2,358 |
| Total noninterest expense | $3,644,000 | 3,713 |
| Salaries and employee benefits | $1,651,000 | 3,925 |
| Premises and equipment expense | $525,000 | 3,647 |
| Additional noninterest expense | $1,468,000 | 3,377 |
| Pre-tax net operating income | $1,233,000 | 5,139 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $400,000 | 4,767 |
| Income before extraordinary items | $833,000 | 5,198 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $833,000 | 5,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-71,000 | 12,069 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $833,000 | 5,256 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,444,000 | 5,385 |
| Total interest expense | $2,133,000 | 5,534 |
| Net interest income | $3,311,000 | 5,200 |
| Provision for loan and lease losses | $10,000 | 9,731 |
| Total noninterest income | $1,313,000 | 2,718 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $387,000 | 3,552 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $926,000 | 2,146 |
| Total noninterest expense | $3,707,000 | 3,733 |
| Salaries and employee benefits | $1,584,000 | 4,063 |
| Premises and equipment expense | $562,000 | 3,518 |
| Additional noninterest expense | $1,561,000 | 3,384 |
| Pre-tax net operating income | $907,000 | 6,316 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $267,000 | 6,535 |
| Income before extraordinary items | $640,000 | 6,494 |
| Extraordinary gains, net | $15,000 | 2,819 |
| Net income | $655,000 | 6,558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-128,000 | 13,010 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $640,000 | 6,247 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,462,000 | 5,168 |
| Total interest expense | $3,088,000 | 5,033 |
| Net interest income | $3,374,000 | 5,173 |
| Provision for loan and lease losses | $180,000 | 5,503 |
| Total noninterest income | $987,000 | 3,357 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $332,000 | 4,110 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $655,000 | 2,666 |
| Total noninterest expense | $3,622,000 | 3,816 |
| Salaries and employee benefits | $1,548,000 | 4,102 |
| Premises and equipment expense | $582,000 | 3,466 |
| Additional noninterest expense | $1,492,000 | 3,618 |
| Pre-tax net operating income | $559,000 | 7,998 |
| Securities gains (losses) | $24,000 | 5,342 |
| Applicable income taxes | $181,000 | 7,951 |
| Income before extraordinary items | $402,000 | 8,198 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $402,000 | 8,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,231,000 | 1,380 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $385,440 | 8,007 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.