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Regions Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,172,000 | 3,186 |
| Total interest expense | $5,033,000 | 2,959 |
| Net interest income | $5,139,000 | 3,399 |
| Provision for loan and lease losses | $550,000 | 1,649 |
| Total noninterest income | $830,000 | 3,486 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $342,000 | 3,686 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $488,000 | 2,872 |
| Total noninterest expense | $3,464,000 | 3,643 |
| Salaries and employee benefits | $1,257,000 | 4,909 |
| Premises and equipment expense | $436,000 | 4,147 |
| Additional noninterest expense | $1,771,000 | 2,338 |
| Pre-tax net operating income | $1,955,000 | 3,613 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $688,000 | 3,280 |
| Income before extraordinary items | $1,267,000 | 3,880 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,267,000 | 3,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $510,000 | 1,314 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,267,000 | 3,810 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,659,000 | 3,739 |
| Total interest expense | $4,181,000 | 3,561 |
| Net interest income | $4,478,000 | 3,909 |
| Provision for loan and lease losses | $225,000 | 3,146 |
| Total noninterest income | $760,000 | 3,843 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $267,000 | 4,592 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $493,000 | 2,953 |
| Total noninterest expense | $3,321,000 | 3,974 |
| Salaries and employee benefits | $1,400,000 | 4,587 |
| Premises and equipment expense | $322,000 | 5,312 |
| Additional noninterest expense | $1,599,000 | 2,968 |
| Pre-tax net operating income | $1,692,000 | 3,948 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $596,000 | 3,610 |
| Income before extraordinary items | $1,096,000 | 4,164 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,096,000 | 4,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 4,119 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,096,000 | 4,109 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,124,000 | 4,482 |
| Total interest expense | $3,307,000 | 4,361 |
| Net interest income | $3,817,000 | 4,486 |
| Provision for loan and lease losses | $201,000 | 2,982 |
| Total noninterest income | $566,000 | 4,772 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $240,000 | 5,071 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $326,000 | 3,807 |
| Total noninterest expense | $2,813,000 | 4,521 |
| Salaries and employee benefits | $1,250,000 | 5,034 |
| Premises and equipment expense | $281,000 | 5,914 |
| Additional noninterest expense | $1,282,000 | 3,544 |
| Pre-tax net operating income | $1,369,000 | 4,779 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $477,000 | 4,345 |
| Income before extraordinary items | $892,000 | 5,029 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $892,000 | 5,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,709 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $892,000 | 5,015 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,439,000 | 5,293 |
| Total interest expense | $2,168,000 | 5,234 |
| Net interest income | $3,271,000 | 5,239 |
| Provision for loan and lease losses | $50,000 | 6,087 |
| Total noninterest income | $545,000 | 4,965 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $219,000 | 5,521 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $326,000 | 3,873 |
| Total noninterest expense | $2,594,000 | 4,995 |
| Salaries and employee benefits | $1,200,000 | 5,244 |
| Premises and equipment expense | $279,000 | 6,023 |
| Additional noninterest expense | $1,115,000 | 4,315 |
| Pre-tax net operating income | $1,172,000 | 5,327 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $405,000 | 4,717 |
| Income before extraordinary items | $767,000 | 5,516 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $767,000 | 5,532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,704 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $767,000 | 5,588 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,762,000 | 6,025 |
| Total interest expense | $2,038,000 | 5,741 |
| Net interest income | $2,724,000 | 6,124 |
| Provision for loan and lease losses | $82,000 | 6,278 |
| Total noninterest income | $715,000 | 4,368 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $194,000 | 6,072 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $521,000 | 3,180 |
| Total noninterest expense | $2,509,000 | 5,266 |
| Salaries and employee benefits | $1,145,000 | 5,448 |
| Premises and equipment expense | $275,000 | 6,263 |
| Additional noninterest expense | $1,089,000 | 4,575 |
| Pre-tax net operating income | $848,000 | 6,581 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $290,000 | 6,196 |
| Income before extraordinary items | $558,000 | 7,095 |
| Extraordinary gains, net | $-5,000 | 12,234 |
| Net income | $553,000 | 7,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 8,297 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $558,000 | 6,834 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,686,000 | 6,691 |
| Total interest expense | $2,430,000 | 6,125 |
| Net interest income | $2,256,000 | 7,103 |
| Provision for loan and lease losses | $89,000 | 7,639 |
| Total noninterest income | $284,000 | 7,944 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $148,000 | 7,158 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $136,000 | 6,990 |
| Total noninterest expense | $2,020,000 | 6,324 |
| Salaries and employee benefits | $917,000 | 6,520 |
| Premises and equipment expense | $247,000 | 6,841 |
| Additional noninterest expense | $856,000 | 5,755 |
| Pre-tax net operating income | $431,000 | 8,948 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $152,000 | 8,570 |
| Income before extraordinary items | $279,000 | 9,558 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $279,000 | 9,692 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 8,345 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $279,000 | 9,194 |
* 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.