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Regions Bank, Assets and Liabilities
| 1997-12-31 | Rank | |
| # of Employees: | 28 | 5,787 |
| Assets and Liabilities | ||
| Total Assets: | $121,865,000 | 3,615 |
| Cash and due from depository institutions | $4,605,000 | 5,787 |
| Interest-bearing balances | $0 | 6,604 |
| Securities | $11,895,000 | 6,840 |
| Federal funds sold & reverse repurchase agreements | $2,790,000 | 4,153 |
| Net loans & leases | $98,607,000 | 2,798 |
| Loan loss allowance | $975,000 | 3,434 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $2,444,000 | 3,221 |
| Other real estate owned | $0 | 5,787 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $1,524,000 | 4,399 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $121,865,000 | 3,615 |
| Total liabilities | $112,420,000 | 3,524 |
| Total deposits | $109,762,000 | 3,366 |
| Interest-bearing deposits | $97,452,000 | 3,270 |
| Deposits held in domestic offices | $109,762,000 | 3,358 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $939,000 | 2,714 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $550,000 | 3,963 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $1,169,000 | 3,128 |
| Total equity capital | $9,445,000 | 4,522 |
| Total bank equity capital | $9,445,000 | 4,522 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $2,250,000 | 1,659 |
| Surplus | $2,250,000 | 5,034 |
| Undivided profits | $4,945,000 | 4,498 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,471,000 | 1,795 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $746,000 | 189 |
| Income earned, not collected on loans | $684,000 | 3,439 |
| Earning assets | $113,292,000 | 3,581 |
| Long-term assets (5+ years) | $3,583,000 | 6,704 |
| Average Assets, year-to-date | $118,500,200 | 3,538 |
| Average Assets, quarterly | $121,717,500 | 3,567 |
| Volatile liabilities | $18,788,000 | 3,159 |
| Insider loans | $1,732,000 | 2,321 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $17,278,000 | 2,360 |
| Tier 1 (core) risk-based capital | $9,434,000 | 4,386 |
| Tier 2 risk-based capital | $975,000 | 2,997 |
| Total risk weighted assets | $95,297,100 | 2,899 |
| Total unused commitments | $17,278,000 | 2,365 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 34 | 5,259 |
| Assets and Liabilities | ||
| Total Assets: | $113,829,000 | 3,926 |
| Cash and due from depository institutions | $3,906,000 | 5,259 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $12,406,000 | 7,150 |
| Federal funds sold & reverse repurchase agreements | $3,740,000 | 3,309 |
| Net loans & leases | $89,898,000 | 3,048 |
| Loan loss allowance | $935,000 | 3,728 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $2,618,000 | 2,960 |
| Other real estate owned | $0 | 5,259 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $1,261,000 | 5,308 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $113,829,000 | 3,926 |
| Total liabilities | $106,159,000 | 3,781 |
| Total deposits | $96,796,000 | 3,899 |
| Interest-bearing deposits | $86,276,000 | 3,780 |
| Deposits held in domestic offices | $96,796,000 | 3,887 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $6,049,000 | 1,456 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $2,550,000 | 2,445 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $764,000 | 4,352 |
| Total equity capital | $7,670,000 | 5,416 |
| Total bank equity capital | $7,670,000 | 5,416 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $2,000,000 | 1,906 |
| Surplus | $2,000,000 | 5,450 |
| Undivided profits | $3,670,000 | 5,420 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $265,000 | 5,952 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $565,000 | 4,077 |
| Earning assets | $106,044,000 | 3,873 |
| Long-term assets (5+ years) | $4,042,000 | 6,387 |
| Average Assets, year-to-date | $101,746,600 | 4,190 |
| Average Assets, quarterly | $108,466,000 | 4,055 |
| Volatile liabilities | $22,993,000 | 2,615 |
| Insider loans | $1,852,000 | 2,269 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $725,000 | 851 |
| Unused loan commitments | $18,212,000 | 2,203 |
| Tier 1 (core) risk-based capital | $7,666,000 | 5,325 |
| Tier 2 risk-based capital | $935,000 | 3,176 |
| Total risk weighted assets | $85,201,200 | 3,234 |
| Total unused commitments | $18,212,000 | 2,219 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 35 | 5,283 |
| Assets and Liabilities | ||
| Total Assets: | $92,982,000 | 4,708 |
| Cash and due from depository institutions | $3,147,000 | 5,283 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $11,707,000 | 7,691 |
| Federal funds sold & reverse repurchase agreements | $2,340,000 | 5,102 |
| Net loans & leases | $72,889,000 | 3,607 |
| Loan loss allowance | $801,000 | 4,239 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $1,849,000 | 3,978 |
| Other real estate owned | $0 | 5,283 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $1,050,000 | 6,168 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $92,982,000 | 4,708 |
| Total liabilities | $86,390,000 | 4,586 |
| Total deposits | $82,082,000 | 4,582 |
| Interest-bearing deposits | $72,050,000 | 4,513 |
| Deposits held in domestic offices | $82,082,000 | 4,574 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,054,000 | 2,652 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $2,571,000 | 2,187 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $683,000 | 4,977 |
| Total equity capital | $6,592,000 | 6,124 |
| Total bank equity capital | $6,592,000 | 6,124 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $2,000,000 | 1,954 |
| Surplus | $2,000,000 | 5,494 |
| Undivided profits | $2,592,000 | 6,676 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $151,000 | 7,362 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $447,000 | 5,283 |
| Earning assets | $86,936,000 | 4,644 |
| Long-term assets (5+ years) | $4,208,000 | 6,237 |
| Average Assets, year-to-date | $82,273,600 | 5,035 |
| Average Assets, quarterly | $89,169,000 | 4,832 |
| Volatile liabilities | $16,160,000 | 3,130 |
| Insider loans | $1,519,000 | 2,734 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $511,000 | 1,016 |
| Unused loan commitments | $19,072,000 | 2,060 |
| Tier 1 (core) risk-based capital | $6,570,000 | 6,006 |
| Tier 2 risk-based capital | $801,000 | 3,581 |
| Total risk weighted assets | $67,662,100 | 3,896 |
| Total unused commitments | $19,072,000 | 2,071 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 33 | 5,756 |
| Assets and Liabilities | ||
| Total Assets: | $75,178,000 | 5,612 |
| Cash and due from depository institutions | $987,000 | 5,756 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $11,604,000 | 8,195 |
| Federal funds sold & reverse repurchase agreements | $4,580,000 | 1,971 |
| Net loans & leases | $55,339,000 | 4,504 |
| Loan loss allowance | $619,000 | 5,279 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $1,650,000 | 4,312 |
| Other real estate owned | $0 | 5,756 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $1,018,000 | 6,659 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $75,178,000 | 5,612 |
| Total liabilities | $69,670,000 | 5,492 |
| Total deposits | $66,999,000 | 5,421 |
| Interest-bearing deposits | $57,190,000 | 5,465 |
| Deposits held in domestic offices | $66,999,000 | 5,414 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,553,000 | 2,912 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $594,000 | 3,610 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $524,000 | 5,045 |
| Total equity capital | $5,508,000 | 6,677 |
| Total bank equity capital | $5,508,000 | 6,677 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $2,000,000 | 2,014 |
| Surplus | $2,000,000 | 5,488 |
| Undivided profits | $1,508,000 | 8,007 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $40,000 | 9,918 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $337,000 | 5,985 |
| Earning assets | $71,523,000 | 5,439 |
| Long-term assets (5+ years) | $4,158,000 | 6,522 |
| Average Assets, year-to-date | $72,103,800 | 5,668 |
| Average Assets, quarterly | $74,735,500 | 5,594 |
| Volatile liabilities | $10,688,000 | 4,144 |
| Insider loans | $1,070,000 | 3,512 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $317,000 | 944 |
| Unused loan commitments | $9,845,000 | 3,151 |
| Tier 1 (core) risk-based capital | $5,679,000 | 6,619 |
| Tier 2 risk-based capital | $619,000 | 4,419 |
| Total risk weighted assets | $52,551,200 | 4,719 |
| Total unused commitments | $9,845,000 | 3,161 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 32 | 6,114 |
| Assets and Liabilities | ||
| Total Assets: | $67,842,000 | 6,224 |
| Cash and due from depository institutions | $2,166,000 | 6,114 |
| Interest-bearing balances | $0 | 7,655 |
| Securities | $10,741,000 | 8,819 |
| Federal funds sold & reverse repurchase agreements | $1,675,000 | 6,371 |
| Net loans & leases | $50,785,000 | 4,749 |
| Loan loss allowance | $570,000 | 5,803 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $1,688,000 | 4,215 |
| Other real estate owned | $0 | 6,114 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $787,000 | 7,243 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $67,842,000 | 6,224 |
| Total liabilities | $62,931,000 | 6,100 |
| Total deposits | $61,418,000 | 5,993 |
| Interest-bearing deposits | $54,873,000 | 5,873 |
| Deposits held in domestic offices | $61,418,000 | 5,984 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $956,000 | 2,835 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $101,000 | 4,364 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $456,000 | 5,726 |
| Total equity capital | $4,911,000 | 7,380 |
| Total bank equity capital | $4,911,000 | 7,380 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $2,000,000 | 2,040 |
| Surplus | $2,000,000 | 5,469 |
| Undivided profits | $911,000 | 9,772 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $72,000 | 9,843 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $260,000 | 6,798 |
| Earning assets | $63,201,000 | 6,148 |
| Long-term assets (5+ years) | $4,384,000 | 6,808 |
| Average Assets, year-to-date | $65,873,200 | 6,226 |
| Average Assets, quarterly | $67,724,500 | 6,178 |
| Volatile liabilities | $8,512,000 | 4,626 |
| Insider loans | $302,000 | 7,250 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $503,000 | 1,237 |
| Unused loan commitments | $10,589,000 | 2,978 |
| Tier 1 (core) risk-based capital | $4,911,000 | 7,294 |
| Tier 2 risk-based capital | $570,000 | 4,713 |
| Total risk weighted assets | $46,381,000 | 5,237 |
| Total unused commitments | $10,589,000 | 2,997 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 31 | 6,386 |
| Assets and Liabilities | ||
| Total Assets: | $62,985,000 | 6,679 |
| Cash and due from depository institutions | $3,200,000 | 6,386 |
| Interest-bearing balances | $0 | 8,059 |
| Securities | $11,319,000 | 8,635 |
| Federal funds sold & reverse repurchase agreements | $4,425,000 | 3,643 |
| Net loans & leases | $41,582,000 | 5,570 |
| Loan loss allowance | $499,000 | 6,495 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $1,704,000 | 4,177 |
| Other real estate owned | $105,000 | 6,386 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $650,000 | 8,448 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $62,985,000 | 6,679 |
| Total liabilities | $58,627,000 | 6,559 |
| Total deposits | $56,672,000 | 6,563 |
| Interest-bearing deposits | $51,133,000 | 6,381 |
| Deposits held in domestic offices | $56,672,000 | 6,553 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,331,000 | 2,338 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $183,000 | 3,944 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $441,000 | 6,398 |
| Total equity capital | $4,358,000 | 7,818 |
| Total bank equity capital | $4,358,000 | 7,818 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $2,000,000 | 2,114 |
| Surplus | $2,000,000 | 5,384 |
| Undivided profits | $358,000 | 11,442 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $189,000 | 8,529 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $214,000 | 8,323 |
| Earning assets | $57,326,000 | 6,696 |
| Long-term assets (5+ years) | $4,180,000 | 7,048 |
| Average Assets, year-to-date | $61,621,600 | 6,647 |
| Average Assets, quarterly | $62,064,500 | 6,701 |
| Volatile liabilities | $7,993,000 | 4,825 |
| Insider loans | $24,000 | 8,179 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $5,271,000 | 4,472 |
| Tier 1 (core) risk-based capital | $4,358,000 | 7,758 |
| Tier 2 risk-based capital | $499,000 | 5,219 |
| Total risk weighted assets | $43,908,700 | 5,533 |
| Total unused commitments | $5,271,000 | 4,496 |
| Derivatives | $0 | 651 |