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Regions Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$15,911,0002,043
Total interest expense$8,253,0001,858
Net interest income$7,658,0002,232
Provision for loan and lease losses$-303,00010,395
Total noninterest income$521,0004,818
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$248,0004,520
Trading account gains and fees$0224
Additional Noninterest Income$273,0004,223
Total noninterest expense$5,496,0002,382
Salaries and employee benefits$2,975,0002,267
Premises and equipment expense$865,0002,253
Additional noninterest expense$1,656,0002,520
Pre-tax net operating income$2,986,0002,390
Securities gains (losses)$04,449
Applicable income taxes$1,152,0002,064
Income before extraordinary items$1,834,0002,752
Extraordinary gains, net$032
Net income$1,834,0002,753
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$66,0004,378
Cash dividends$80,0006,486
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,834,0002,680
1997-12-31 (YTD Data)Rank
Total interest income$16,463,0001,985
Total interest expense$8,692,0001,787
Net interest income$7,771,0002,268
Provision for loan and lease losses$1,933,000606
Total noninterest income$793,0003,589
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$296,0004,125
Trading account gains and fees$0239
Additional Noninterest Income$497,0002,835
Total noninterest expense$9,467,0001,389
Salaries and employee benefits$2,986,0002,216
Premises and equipment expense$1,107,0001,782
Additional noninterest expense$5,374,000912
Pre-tax net operating income$-2,836,00010,910
Securities gains (losses)$92,0001,022
Applicable income taxes$-956,00010,885
Income before extraordinary items$-1,788,00010,882
Extraordinary gains, net$044
Net income$-1,788,00010,882
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$762,000954
Cash dividends$215,0005,222
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$-1,847,80010,877
1996-12-31 (YTD Data)Rank
Total interest income$11,078,0002,969
Total interest expense$5,798,0002,627
Net interest income$5,280,0003,358
Provision for loan and lease losses$257,0002,894
Total noninterest income$482,0005,289
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$345,0003,801
Trading account gains and fees$0262
Additional Noninterest Income$137,0006,227
Total noninterest expense$4,670,0002,914
Salaries and employee benefits$2,098,0003,188
Premises and equipment expense$706,0002,770
Additional noninterest expense$1,866,0002,614
Pre-tax net operating income$835,0006,347
Securities gains (losses)$-14,00010,446
Applicable income taxes$322,0005,592
Income before extraordinary items$499,0006,912
Extraordinary gains, net$053
Net income$499,0006,915
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$168,0002,972
Cash dividends$250,0004,932
Sale, conversion, retirement of capital stock, net$0953
Net operating income$507,9606,788
1995-12-31 (YTD Data)Rank
Total interest income$7,272,0004,410
Total interest expense$3,682,0003,974
Net interest income$3,590,0004,746
Provision for loan and lease losses$362,0002,000
Total noninterest income$488,0005,273
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$315,0004,126
Trading account gains and feesNANA
Additional Noninterest Income$173,0005,560
Total noninterest expense$2,796,0004,539
Salaries and employee benefits$1,339,0004,753
Premises and equipment expense$439,0004,194
Additional noninterest expense$1,018,0004,286
Pre-tax net operating income$920,0006,325
Securities gains (losses)$-7,0009,876
Applicable income taxes$351,0005,431
Income before extraordinary items$562,0006,831
Extraordinary gains, net$065
Net income$562,0006,830
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$87,0004,045
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$87,000591
Net operating income$566,4806,788
1994-12-31 (YTD Data)Rank
Total interest income$4,754,0005,898
Total interest expense$2,212,0005,133
Net interest income$2,542,0006,382
Provision for loan and lease losses$275,0002,418
Total noninterest income$451,0005,682
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$289,0004,507
Trading account gains and feesNANA
Additional Noninterest Income$162,0005,970
Total noninterest expense$2,665,0004,870
Salaries and employee benefits$779,0007,323
Premises and equipment expense$394,0004,638
Additional noninterest expense$1,492,0003,307
Pre-tax net operating income$53,00011,898
Securities gains (losses)$03,600
Applicable income taxes$-51,00012,221
Income before extraordinary items$104,00011,348
Extraordinary gains, net$0249
Net income$104,00011,354
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$214,0002,377
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$5,0001,118
Net operating income$104,00011,385
1993-12-31 (YTD Data)Rank
Total interest income$4,103,0006,749
Total interest expense$1,793,0006,344
Net interest income$2,310,0006,917
Provision for loan and lease losses$110,0005,504
Total noninterest income$290,0007,805
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$258,0004,986
Trading account gains and feesNANA
Additional Noninterest Income$32,00011,170
Total noninterest expense$1,962,0006,447
Salaries and employee benefits$869,0006,903
Premises and equipment expense$360,0005,114
Additional noninterest expense$733,0006,346
Pre-tax net operating income$528,0008,466
Securities gains (losses)$75,0002,875
Applicable income taxes$012,141
Income before extraordinary items$603,0006,755
Extraordinary gains, net$03,149
Net income$603,0006,923
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$171,0003,442
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$528,0007,064
1992-12-31 (YTD Data)Rank
Total interest income$3,383,0008,359
Total interest expense$1,592,0008,231
Net interest income$1,791,0008,373
Provision for loan and lease losses$230,0004,844
Total noninterest income$227,0008,902
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$213,0005,752
Trading account gains and feesNANA
Additional Noninterest Income$14,00013,064
Total noninterest expense$1,685,0007,300
Salaries and employee benefits$715,0007,878
Premises and equipment expense$344,0005,436
Additional noninterest expense$626,0007,292
Pre-tax net operating income$103,00011,999
Securities gains (losses)$56,0003,937
Applicable income taxes$45,00011,390
Income before extraordinary items$114,00011,747
Extraordinary gains, net$45,0001,023
Net income$159,00011,235
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$99,0005,956
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$269,000677
Net operating income$73,68012,021

* 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.