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Regions Bank, Assets and Liabilities
| 1998-12-31 | Rank | |
| # of Employees: | 85 | 2,040 |
| Assets and Liabilities | ||
| Total Assets: | $224,773,000 | 2,054 |
| Cash and due from depository institutions | $10,337,000 | 2,040 |
| Interest-bearing balances | $0 | 6,728 |
| Securities | $33,457,000 | 3,304 |
| Federal funds sold & reverse repurchase agreements | $28,218,000 | 562 |
| Net loans & leases | $145,070,000 | 1,928 |
| Loan loss allowance | $2,123,000 | 1,666 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $6,147,000 | 1,303 |
| Other real estate owned | $0 | 2,040 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $1,544,000 | 4,353 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $224,773,000 | 2,054 |
| Total liabilities | $209,739,000 | 1,980 |
| Total deposits | $208,946,000 | 1,809 |
| Interest-bearing deposits | $181,297,000 | 1,803 |
| Deposits held in domestic offices | $208,946,000 | 1,803 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,214 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,274 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $793,000 | 4,199 |
| Total equity capital | $15,034,000 | 2,996 |
| Total bank equity capital | $15,034,000 | 2,996 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $4,797,000 | 758 |
| Surplus | $9,743,000 | 1,609 |
| Undivided profits | $494,000 | 9,004 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,252,000 | 1,999 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $847,000 | 2,671 |
| Earning assets | $206,745,000 | 2,051 |
| Long-term assets (5+ years) | $51,581,000 | 1,542 |
| Average Assets, year-to-date | $211,040,200 | 2,066 |
| Average Assets, quarterly | $215,739,500 | 2,095 |
| Volatile liabilities | $19,868,000 | 3,023 |
| Insider loans | $3,088,000 | 1,399 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $27,586,000 | 1,782 |
| Tier 1 (core) risk-based capital | $15,028,000 | 2,836 |
| Tier 2 risk-based capital | $1,767,430 | 1,803 |
| Total risk weighted assets | $141,038,930 | 2,015 |
| Total unused commitments | $27,586,000 | 1,789 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 88 | 2,013 |
| Assets and Liabilities | ||
| Total Assets: | $211,627,000 | 2,156 |
| Cash and due from depository institutions | $11,493,000 | 2,013 |
| Interest-bearing balances | $0 | 6,604 |
| Securities | $21,121,000 | 4,717 |
| Federal funds sold & reverse repurchase agreements | $15,498,000 | 855 |
| Net loans & leases | $156,038,000 | 1,818 |
| Loan loss allowance | $2,492,000 | 1,478 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $5,602,000 | 1,390 |
| Other real estate owned | $0 | 2,013 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $1,875,000 | 3,706 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $211,627,000 | 2,156 |
| Total liabilities | $200,878,000 | 2,055 |
| Total deposits | $200,185,000 | 1,889 |
| Interest-bearing deposits | $178,118,000 | 1,818 |
| Deposits held in domestic offices | $200,185,000 | 1,882 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $0 | 5,103 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $693,000 | 4,714 |
| Total equity capital | $10,749,000 | 4,038 |
| Total bank equity capital | $10,749,000 | 4,038 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $4,797,000 | 770 |
| Surplus | $7,203,000 | 2,077 |
| Undivided profits | $-1,251,000 | 10,769 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,372,000 | 1,159 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $1,077,000 | 2,104 |
| Earning assets | $192,657,000 | 2,178 |
| Long-term assets (5+ years) | $26,588,000 | 2,277 |
| Average Assets, year-to-date | $206,461,800 | 2,108 |
| Average Assets, quarterly | $212,298,000 | 2,118 |
| Volatile liabilities | $20,675,000 | 2,909 |
| Insider loans | $3,769,000 | 1,113 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $15,138,000 | 2,590 |
| Tier 1 (core) risk-based capital | $10,730,000 | 3,902 |
| Tier 2 risk-based capital | $1,732,070 | 1,761 |
| Total risk weighted assets | $137,805,970 | 2,032 |
| Total unused commitments | $15,138,000 | 2,596 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 87 | 2,152 |
| Assets and Liabilities | ||
| Total Assets: | $200,777,000 | 2,343 |
| Cash and due from depository institutions | $10,543,000 | 2,152 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $27,414,000 | 4,197 |
| Federal funds sold & reverse repurchase agreements | $972,000 | 6,515 |
| Net loans & leases | $153,709,000 | 1,896 |
| Loan loss allowance | $1,321,000 | 2,735 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $4,494,000 | 1,758 |
| Other real estate owned | $120,000 | 2,152 |
| Goodwill and other intangibles | $982,000 | 1,295 |
| All other assets | $2,543,000 | 2,881 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $200,777,000 | 2,343 |
| Total liabilities | $188,062,000 | 2,230 |
| Total deposits | $187,354,000 | 2,051 |
| Interest-bearing deposits | $170,343,000 | 1,964 |
| Deposits held in domestic offices | $187,354,000 | 2,041 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $0 | 5,299 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $708,000 | 4,643 |
| Total equity capital | $12,715,000 | 3,478 |
| Total bank equity capital | $12,715,000 | 3,478 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $4,797,000 | 814 |
| Surplus | $7,203,000 | 2,133 |
| Undivided profits | $715,000 | 9,414 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,799,000 | 1,660 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $984,000 | 2,288 |
| Earning assets | $182,095,000 | 2,366 |
| Long-term assets (5+ years) | $42,246,000 | 1,486 |
| Average Assets, year-to-date | $139,268,800 | 3,124 |
| Average Assets, quarterly | $199,797,500 | 2,330 |
| Volatile liabilities | $21,584,000 | 2,736 |
| Insider loans | $2,414,000 | 1,782 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $13,726,000 | 2,702 |
| Tier 1 (core) risk-based capital | $11,893,000 | 3,606 |
| Tier 2 risk-based capital | $1,321,000 | 2,294 |
| Total risk weighted assets | $127,157,900 | 2,216 |
| Total unused commitments | $13,726,000 | 2,715 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 42 | 4,498 |
| Assets and Liabilities | ||
| Total Assets: | $96,010,000 | 4,582 |
| Cash and due from depository institutions | $5,147,000 | 4,498 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $21,293,000 | 5,314 |
| Federal funds sold & reverse repurchase agreements | $1,102,000 | 7,079 |
| Net loans & leases | $65,656,000 | 3,958 |
| Loan loss allowance | $706,000 | 4,694 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $1,743,000 | 4,172 |
| Other real estate owned | $145,000 | 4,498 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $924,000 | 6,717 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $96,010,000 | 4,582 |
| Total liabilities | $88,661,000 | 4,484 |
| Total deposits | $87,964,000 | 4,302 |
| Interest-bearing deposits | $76,567,000 | 4,257 |
| Deposits held in domestic offices | $87,964,000 | 4,294 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $0 | 5,136 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $697,000 | 4,895 |
| Total equity capital | $7,349,000 | 5,647 |
| Total bank equity capital | $7,349,000 | 5,647 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $4,797,000 | 818 |
| Surplus | $2,266,000 | 5,117 |
| Undivided profits | $286,000 | 10,782 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $696,000 | 3,439 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $412,000 | 5,630 |
| Earning assets | $88,051,000 | 4,587 |
| Long-term assets (5+ years) | $2,826,000 | 7,189 |
| Average Assets, year-to-date | $89,599,000 | 4,677 |
| Average Assets, quarterly | $94,900,500 | 4,575 |
| Volatile liabilities | $11,113,000 | 4,241 |
| Insider loans | $1,587,000 | 2,638 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $8,987,000 | 3,522 |
| Tier 1 (core) risk-based capital | $7,307,000 | 5,541 |
| Tier 2 risk-based capital | $706,000 | 4,002 |
| Total risk weighted assets | $66,529,900 | 3,954 |
| Total unused commitments | $8,987,000 | 3,535 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 34 | 5,617 |
| Assets and Liabilities | ||
| Total Assets: | $79,311,000 | 5,367 |
| Cash and due from depository institutions | $6,277,000 | 5,617 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $21,471,000 | 5,590 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $49,338,000 | 4,954 |
| Loan loss allowance | $431,000 | 6,826 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $1,128,000 | 5,660 |
| Other real estate owned | $93,000 | 5,617 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $1,004,000 | 6,720 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $79,311,000 | 5,367 |
| Total liabilities | $73,025,000 | 5,281 |
| Total deposits | $72,717,000 | 5,059 |
| Interest-bearing deposits | $61,563,000 | 5,101 |
| Deposits held in domestic offices | $72,717,000 | 5,050 |
| % 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 | $308,000 | 7,192 |
| Total equity capital | $6,286,000 | 6,052 |
| Total bank equity capital | $6,286,000 | 6,052 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $4,228,000 | 902 |
| Surplus | $2,234,000 | 5,149 |
| Undivided profits | $-176,000 | 11,802 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $786,000 | 3,169 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $107,000 | 810 |
| Income earned, not collected on loans | $315,000 | 6,327 |
| Earning assets | $70,809,000 | 5,486 |
| Long-term assets (5+ years) | $2,485,000 | 7,824 |
| Average Assets, year-to-date | $70,826,200 | 5,752 |
| Average Assets, quarterly | $76,999,500 | 5,465 |
| Volatile liabilities | $10,483,000 | 4,193 |
| Insider loans | $1,712,000 | 2,384 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $4,961,000 | 4,934 |
| Tier 1 (core) risk-based capital | $6,764,000 | 5,804 |
| Tier 2 risk-based capital | $431,000 | 5,911 |
| Total risk weighted assets | $51,224,800 | 4,835 |
| Total unused commitments | $4,961,000 | 4,942 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 32 | 6,114 |
| Assets and Liabilities | ||
| Total Assets: | $61,744,000 | 6,684 |
| Cash and due from depository institutions | $3,191,000 | 6,114 |
| Interest-bearing balances | $0 | 7,655 |
| Securities | $18,726,000 | 6,427 |
| Federal funds sold & reverse repurchase agreements | $331,000 | 9,582 |
| Net loans & leases | $36,430,000 | 6,123 |
| Loan loss allowance | $370,000 | 7,760 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $1,145,000 | 5,636 |
| Other real estate owned | $446,000 | 6,114 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $1,475,000 | 4,505 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $61,744,000 | 6,684 |
| Total liabilities | $55,089,000 | 6,774 |
| Total deposits | $54,899,000 | 6,587 |
| Interest-bearing deposits | $46,191,000 | 6,703 |
| Deposits held in domestic offices | $54,899,000 | 6,580 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $190,000 | 9,472 |
| Total equity capital | $6,655,000 | 5,862 |
| Total bank equity capital | $6,655,000 | 5,862 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $4,225,000 | 897 |
| Surplus | $2,232,000 | 5,131 |
| Undivided profits | $198,000 | 11,696 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $608,000 | 4,371 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $196,000 | 8,239 |
| Earning assets | $55,487,000 | 6,800 |
| Long-term assets (5+ years) | $3,183,000 | 7,653 |
| Average Assets, year-to-date | $58,461,400 | 6,815 |
| Average Assets, quarterly | $61,337,000 | 6,661 |
| Volatile liabilities | $6,943,000 | 5,345 |
| Insider loans | $1,480,000 | 2,703 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $4,974,000 | 4,901 |
| Tier 1 (core) risk-based capital | $6,655,000 | 5,775 |
| Tier 2 risk-based capital | $370,000 | 6,636 |
| Total risk weighted assets | $40,843,300 | 5,802 |
| Total unused commitments | $4,974,000 | 4,923 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 24 | 7,704 |
| Assets and Liabilities | ||
| Total Assets: | $52,683,000 | 7,604 |
| Cash and due from depository institutions | $3,087,000 | 7,704 |
| Interest-bearing balances | $100,000 | 6,673 |
| Securities | $14,547,000 | 7,498 |
| Federal funds sold & reverse repurchase agreements | $1,773,000 | 6,938 |
| Net loans & leases | $31,140,000 | 6,858 |
| Loan loss allowance | $431,000 | 7,152 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $1,123,000 | 5,743 |
| Other real estate owned | $0 | 7,704 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $1,013,000 | 6,288 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $52,683,000 | 7,604 |
| Total liabilities | $46,631,000 | 7,738 |
| Total deposits | $46,348,000 | 7,607 |
| Interest-bearing deposits | $39,609,000 | 7,670 |
| Deposits held in domestic offices | $46,348,000 | 7,600 |
| % 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 | $283,000 | 8,505 |
| Total equity capital | $6,052,000 | 6,102 |
| Total bank equity capital | $6,052,000 | 6,102 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $4,081,000 | 933 |
| Surplus | $2,376,000 | 4,855 |
| Undivided profits | $-405,000 | 13,006 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $299,000 | 7,233 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $178,000 | 9,242 |
| Earning assets | $47,560,000 | 7,631 |
| Long-term assets (5+ years) | $5,911,000 | 5,959 |
| Average Assets, year-to-date | $43,575,000 | 8,405 |
| Average Assets, quarterly | $49,287,500 | 7,869 |
| Volatile liabilities | $7,531,000 | 5,012 |
| Insider loans | $232,000 | 3,554 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $4,069,000 | 5,203 |
| Tier 1 (core) risk-based capital | $6,052,000 | 6,018 |
| Tier 2 risk-based capital | $431,000 | 5,903 |
| Total risk weighted assets | $34,700,700 | 6,612 |
| Total unused commitments | $4,069,000 | 5,233 |
| Derivatives | $0 | 651 |