Call reports 2004
REGIONS BANK — 2004
What REGIONS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 45,267,824,000 | 46,170,713,000 | 46,993,564,000 | 49,210,377,000 |
| Total loans | 34,248,309,000 | 34,948,080,000 | 35,460,839,000 | 37,303,348,000 |
| Allowance for loan losses | 455,566,000 | 452,677,000 | 451,900,000 | 449,404,000 |
| Securities available for sale | 8,183,708,000 | 8,371,958,000 | 8,840,834,000 | 9,171,733,000 |
| Securities held to maturity | 7,538,000 | 7,610,000 | 7,430,000 | 7,904,000 |
| Trading assets | 145,122,000 | 96,082,000 | 100,679,000 | 83,408,000 |
| Total deposits | 29,410,325,000 | 30,446,844,000 | 30,574,848,000 | 32,661,633,000 |
| Interest-bearing deposits | 26,301,560,000 | 27,280,940,000 | 27,340,127,000 | 29,052,586,000 |
| Noninterest-bearing deposits | 3,108,765,000 | 3,165,904,000 | 3,234,721,000 | 3,609,047,000 |
| Equity capital | 4,014,289,000 | 3,598,426,000 | 3,853,947,000 | 4,017,583,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 534,193,000 | 1,074,720,000 | 1,647,379,000 | 2,246,104,000 |
| Interest expense | 141,027,000 | 283,901,000 | 439,551,000 | 615,157,000 |
| Net interest income | 393,166,000 | 790,819,000 | 1,207,828,000 | 1,630,947,000 |
| Noninterest income | 156,427,000 | 363,861,000 | 539,255,000 | 685,732,000 |
| Noninterest expense | 336,936,000 | 707,823,000 | 1,063,777,000 | 1,381,845,000 |
| Provision for loan losses | 16,260,000 | 42,829,000 | 60,762,000 | 89,209,000 |
| Pretax income | 209,072,000 | 416,846,000 | 652,808,000 | 875,975,000 |
| Income tax | 58,993,000 | 117,746,000 | 183,668,000 | 263,074,000 |
| Net income | 150,079,000 | 299,100,000 | 469,140,000 | 612,901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,754,303,000 | 3,465,128,000 | 3,632,729,000 | 3,815,602,000 |
| Total capital | 4,406,484,000 | 4,115,541,000 | 4,282,496,000 | 4,462,996,000 |
| Risk-weighted assets | 36,373,720,000 | 36,324,716,000 | 39,310,365,000 | 40,326,394,000 |