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Regions Bank, Assets and Liabilities
| 1997-12-31 | Rank | |
| # of Employees: | 1,307 | 165 |
| Assets and Liabilities | ||
| Total Assets: | $3,521,230,000 | 205 |
| Cash and due from depository institutions | $103,353,000 | 165 |
| Interest-bearing balances | $3,434,000 | 1,235 |
| Securities | $625,637,000 | 234 |
| Federal funds sold & reverse repurchase agreements | $106,900,000 | 156 |
| Net loans & leases | $2,573,526,000 | 192 |
| Loan loss allowance | $39,308,000 | 193 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $58,113,000 | 159 |
| Other real estate owned | $1,669,000 | 165 |
| Goodwill and other intangibles | $6,855,000 | 463 |
| All other assets | $45,177,000 | 301 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $3,521,230,000 | 205 |
| Total liabilities | $3,147,145,000 | 207 |
| Total deposits | $3,073,776,000 | 166 |
| Interest-bearing deposits | $2,606,406,000 | 164 |
| Deposits held in domestic offices | $3,073,776,000 | 162 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,033,000 | 2,629 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $48,779,000 | 579 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $23,557,000 | 360 |
| Total equity capital | $374,085,000 | 183 |
| Total bank equity capital | $374,085,000 | 183 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $3,004,000 | 1,192 |
| Surplus | $134,499,000 | 193 |
| Undivided profits | $236,582,000 | 134 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $24,850,000 | 184 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $19,415,000 | 177 |
| Earning assets | $3,309,497,000 | 198 |
| Long-term assets (5+ years) | $574,689,000 | 189 |
| Average Assets, year-to-date | $3,403,996,200 | 204 |
| Average Assets, quarterly | $3,481,780,000 | 205 |
| Volatile liabilities | $484,603,000 | 304 |
| Insider loans | $331,000 | 6,432 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $555,404,000 | 254 |
| Tier 1 (core) risk-based capital | $364,170,600 | 165 |
| Tier 2 risk-based capital | $35,307,840 | 202 |
| Total risk weighted assets | $2,820,626,940 | 178 |
| Total unused commitments | $555,404,000 | 255 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 1,257 | 195 |
| Assets and Liabilities | ||
| Total Assets: | $3,359,547,000 | 232 |
| Cash and due from depository institutions | $114,994,000 | 195 |
| Interest-bearing balances | $23,853,000 | 174 |
| Securities | $787,809,000 | 205 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,460 |
| Net loans & leases | $2,333,326,000 | 220 |
| Loan loss allowance | $37,535,000 | 221 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $60,190,000 | 169 |
| Other real estate owned | $1,661,000 | 195 |
| Goodwill and other intangibles | $7,563,000 | 432 |
| All other assets | $54,004,000 | 289 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $3,359,547,000 | 232 |
| Total liabilities | $3,016,777,000 | 232 |
| Total deposits | $2,899,236,000 | 195 |
| Interest-bearing deposits | $2,461,331,000 | 183 |
| Deposits held in domestic offices | $2,899,236,000 | 191 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $40,855,000 | 583 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $60,402,000 | 524 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $16,284,000 | 473 |
| Total equity capital | $342,770,000 | 203 |
| Total bank equity capital | $342,770,000 | 203 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $3,004,000 | 1,249 |
| Surplus | $134,499,000 | 210 |
| Undivided profits | $205,267,000 | 155 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $32,570,000 | 177 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $17,944,000 | 199 |
| Earning assets | $3,144,988,000 | 225 |
| Long-term assets (5+ years) | $361,365,000 | 274 |
| Average Assets, year-to-date | $3,448,352,000 | 219 |
| Average Assets, quarterly | $3,387,297,500 | 228 |
| Volatile liabilities | $535,624,000 | 288 |
| Insider loans | $328,000 | 6,627 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $433,339,000 | 304 |
| Tier 1 (core) risk-based capital | $332,264,000 | 190 |
| Tier 2 risk-based capital | $30,865,370 | 238 |
| Total risk weighted assets | $2,462,560,170 | 218 |
| Total unused commitments | $433,339,000 | 306 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 22 | 7,361 |
| Assets and Liabilities | ||
| Total Assets: | $50,151,000 | 7,408 |
| Cash and due from depository institutions | $3,130,000 | 7,361 |
| Interest-bearing balances | $2,000 | 6,747 |
| Securities | $13,224,000 | 7,202 |
| Federal funds sold & reverse repurchase agreements | $1,550,000 | 6,273 |
| Net loans & leases | $30,328,000 | 6,939 |
| Loan loss allowance | $335,000 | 7,667 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $1,431,000 | 4,824 |
| Other real estate owned | $0 | 7,361 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $488,000 | 9,248 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $50,151,000 | 7,408 |
| Total liabilities | $44,224,000 | 7,458 |
| Total deposits | $43,602,000 | 7,336 |
| Interest-bearing deposits | $31,284,000 | 8,113 |
| Deposits held in domestic offices | $43,602,000 | 7,332 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $444,000 | 3,155 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $0 | 5,136 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $178,000 | 10,017 |
| Total equity capital | $5,927,000 | 6,608 |
| Total bank equity capital | $5,927,000 | 6,608 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $3,450,000 | 1,131 |
| Surplus | $6,471,000 | 2,334 |
| Undivided profits | $-3,994,000 | 11,895 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $804,000 | 3,102 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $227,000 | 8,311 |
| Earning assets | $45,104,000 | 7,463 |
| Long-term assets (5+ years) | $512,000 | 9,641 |
| Average Assets, year-to-date | $52,948,600 | 6,992 |
| Average Assets, quarterly | $52,295,500 | 7,168 |
| Volatile liabilities | $5,612,000 | 6,531 |
| Insider loans | $1,200,000 | 3,277 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $6,668,000 | 4,221 |
| Tier 1 (core) risk-based capital | $5,943,000 | 6,456 |
| Tier 2 risk-based capital | $335,000 | 6,875 |
| Total risk weighted assets | $35,319,500 | 6,518 |
| Total unused commitments | $6,668,000 | 4,234 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 22 | 7,672 |
| Assets and Liabilities | ||
| Total Assets: | $53,103,000 | 7,212 |
| Cash and due from depository institutions | $3,724,000 | 7,672 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $13,028,000 | 7,692 |
| Federal funds sold & reverse repurchase agreements | $3,370,000 | 2,575 |
| Net loans & leases | $30,885,000 | 6,912 |
| Loan loss allowance | $284,000 | 8,606 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $1,535,000 | 4,523 |
| Other real estate owned | $0 | 7,672 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $561,000 | 9,140 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $53,103,000 | 7,212 |
| Total liabilities | $48,065,000 | 7,208 |
| Total deposits | $47,827,000 | 7,010 |
| Interest-bearing deposits | $37,102,000 | 7,439 |
| Deposits held in domestic offices | $47,827,000 | 7,002 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,375 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $238,000 | 8,300 |
| Total equity capital | $5,038,000 | 7,099 |
| Total bank equity capital | $5,038,000 | 7,099 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $3,450,000 | 1,132 |
| Surplus | $6,471,000 | 2,251 |
| Undivided profits | $-4,883,000 | 12,503 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $758,000 | 3,251 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $175,000 | 9,072 |
| Earning assets | $47,283,000 | 7,325 |
| Long-term assets (5+ years) | $1,649,000 | 8,657 |
| Average Assets, year-to-date | $52,377,200 | 7,183 |
| Average Assets, quarterly | $54,119,500 | 7,097 |
| Volatile liabilities | $5,061,000 | 6,702 |
| Insider loans | $1,374,000 | 2,891 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $6,279,000 | 4,282 |
| Tier 1 (core) risk-based capital | $5,252,000 | 6,988 |
| Tier 2 risk-based capital | $284,000 | 7,731 |
| Total risk weighted assets | $36,348,300 | 6,337 |
| Total unused commitments | $6,279,000 | 4,289 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 22 | 7,996 |
| Assets and Liabilities | ||
| Total Assets: | $50,707,000 | 7,678 |
| Cash and due from depository institutions | $6,404,000 | 7,996 |
| Interest-bearing balances | $0 | 7,655 |
| Securities | $12,159,000 | 8,293 |
| Federal funds sold & reverse repurchase agreements | $0 | 10,345 |
| Net loans & leases | $29,835,000 | 7,012 |
| Loan loss allowance | $482,000 | 6,538 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $1,644,000 | 4,316 |
| Other real estate owned | $0 | 7,996 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $665,000 | 8,038 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $50,707,000 | 7,678 |
| Total liabilities | $45,976,000 | 7,668 |
| Total deposits | $45,351,000 | 7,549 |
| Interest-bearing deposits | $36,994,000 | 7,785 |
| Deposits held in domestic offices | $45,351,000 | 7,541 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $365,000 | 3,415 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $260,000 | 8,177 |
| Total equity capital | $4,731,000 | 7,559 |
| Total bank equity capital | $4,731,000 | 7,559 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $3,450,000 | 1,131 |
| Surplus | $6,471,000 | 2,158 |
| Undivided profits | $-5,190,000 | 13,154 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $697,000 | 4,026 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $168,000 | 8,964 |
| Earning assets | $41,994,000 | 8,116 |
| Long-term assets (5+ years) | $3,364,000 | 7,511 |
| Average Assets, year-to-date | $49,419,000 | 7,647 |
| Average Assets, quarterly | $51,045,000 | 7,575 |
| Volatile liabilities | $6,044,000 | 5,852 |
| Insider loans | $867,000 | 4,120 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $5,682,000 | 4,529 |
| Tier 1 (core) risk-based capital | $4,731,000 | 7,490 |
| Tier 2 risk-based capital | $445,030 | 5,797 |
| Total risk weighted assets | $35,565,330 | 6,441 |
| Total unused commitments | $5,682,000 | 4,552 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 19 | 8,886 |
| Assets and Liabilities | ||
| Total Assets: | $45,750,000 | 8,328 |
| Cash and due from depository institutions | $2,774,000 | 8,886 |
| Interest-bearing balances | $0 | 8,059 |
| Securities | $7,774,000 | 10,130 |
| Federal funds sold & reverse repurchase agreements | $2,252,000 | 6,038 |
| Net loans & leases | $30,689,000 | 6,944 |
| Loan loss allowance | $646,000 | 5,332 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $441,000 | 9,330 |
| Other real estate owned | $1,070,000 | 8,886 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $750,000 | 7,716 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $45,750,000 | 8,328 |
| Total liabilities | $41,295,000 | 8,357 |
| Total deposits | $41,018,000 | 8,231 |
| Interest-bearing deposits | $33,215,000 | 8,532 |
| Deposits held in domestic offices | $41,018,000 | 8,225 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $277,000 | 8,593 |
| Total equity capital | $4,455,000 | 7,706 |
| Total bank equity capital | $4,455,000 | 7,706 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $3,450,000 | 1,146 |
| Surplus | $6,471,000 | 2,069 |
| Undivided profits | $-5,466,000 | 13,776 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $779,000 | 4,347 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $244,000 | 7,651 |
| Earning assets | $40,715,000 | 8,419 |
| Long-term assets (5+ years) | $4,792,000 | 6,642 |
| Average Assets, year-to-date | $46,981,200 | 8,022 |
| Average Assets, quarterly | $47,265,500 | 8,106 |
| Volatile liabilities | $3,497,000 | 7,960 |
| Insider loans | $1,056,000 | 784 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $4,897,000 | 4,673 |
| Tier 1 (core) risk-based capital | $4,455,000 | 7,650 |
| Tier 2 risk-based capital | $453,440 | 5,669 |
| Total risk weighted assets | $36,082,640 | 6,426 |
| Total unused commitments | $4,897,000 | 4,699 |
| Derivatives | $0 | 651 |