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REGIONS FINL CP   FYE=12 (December)

Annual - Income Statement - Company Specific

Fiscal period2018201720162015201420132012201120102009
Period End Date12/31/201812/31/201712/31/201612/31/201512/31/201412/31/201312/31/201212/31/201112/31/201012/31/2009
Interest and fees on loans3,613.003,228.003,066.002,942.002,941.003,005.003,178.003,444.003,705.004,199.00
Interest on loans held for sale15.0016.0016.0016.0022.0029.0033.0036.0039.0055.00
Taxable interest income625.00596.00563.00564.00584.00572.00681.00758.00873.00966.00
Tax-exempt interest income----------------1.0019.00
Interest on time deposits in other banks--------------------
Income on federal funds sold and securities purchased under agreements to resell--------------------
Interest on trading account assets------5.003.003.002.001.004.0022.00
Other interest-earning assets70.0053.0044.0043.0039.0038.009.0013.0015.0016.00
Interest on margin receivables--------------------
Operating lease assets70.0094.00125.0033.00------------
Total Interest Income4,393.003,987.003,814.003,603.003,589.003,647.003,903.004,252.004,637.005,277.00
Interest-bearing transaction accounts------------------40.00
Interest-bearing accounts in foreign office--------------------
Savings accounts------------------5.00
Money market savings accounts------------------181.00
Certificates of deposit--------------------
Other interest-bearing deposits--------------------
Interest-bearing deposits - divestitures--------------------
Time deposits------------------1,045.00
Interest expense on-Deposits250.00156.00117.00109.00105.00135.00284.00472.00755.001,277.00
Time deposits-non customer------------------2.00
Other foreign deposits------------------1.00
Money market accounts-foreign------------------3.00
Interest on short-term borrowings30.005.000.001.002.002.002.00(1.00)4.0044.00
Interest on long-term borrowings322.00212.00196.00158.00202.00247.00317.00371.00489.00663.00
Depreciation expense on operating lease assets56.0075.00103.0028.00------------
Total Interest Expense658.00448.00416.00296.00309.00384.00603.00842.001,248.001,984.00
Net Interest Income3,735.003,539.003,398.003,307.003,280.003,263.003,300.003,410.003,389.003,293.00
Provision for loan losses229.00150.00262.00241.0069.00138.00213.001,530.002,863.003,541.00
Net interest income after provision for loan losses3,506.003,389.003,136.003,066.003,211.003,125.003,087.001,880.00526.00(248.00)
Brokerage and investment banking----------------69.0039.00
Service charges on deposit accounts710.00683.00664.00662.00695.00734.00756.001,168.001,174.001,156.00
Net securities (losses) gains1.0019.006.0029.0027.0026.0048.00112.00394.0069.00
Trust department income------202.00193.00----199.00196.00191.00
Mortgage income137.00149.00173.00162.00149.00236.00363.00220.00247.00259.00
Card and ATM fees438.00417.00402.00364.00334.00319.00314.00------
Other296.00303.00401.00652.00505.00781.00619.00444.00331.00464.00
Gain on sale of mortgages--------------------
Employee services income--------------------
Factoring commissions income--------------------
Other miscellaneous income--------------143.00104.00188.00
Gain on sale of credit card portfolio--------------------
Gain on sale of mortgage servicing rights--------------------
Gain on sale of interest in ATM network--------------------
Gain (loss) on sale of mortgages by subsidiaries--------------------
Gain on auto loan securitization--------------------
Bankcard income--------------65.0031.00--
SILO termination gains----------------78.00587.00
Net revenue (loss) from affordable housing--------------(69.00)(72.00)(53.00)
Visa-related gains------------------80.00
Capital markets income202.00161.00152.00--------------
Wealth management income235.00230.00213.00--------------
Total Non-Interest Income2,019.001,962.002,011.002,071.001,903.002,096.002,100.002,143.002,489.002,765.00
Salaries and employee benefits1,947.001,874.001,842.001,883.001,810.001,818.001,763.001,604.001,640.001,635.00
Net occupancy expense335.00339.00342.00361.00368.00365.00382.00388.00411.00422.00
Goodwill impairment--------------253.000.00--
Other-than-temporary impairments------------------75.00
Other963.00952.00987.001,060.00967.001,093.001,120.001,342.001,456.001,372.00
Furniture and equipment expense325.00326.00312.00303.00287.00280.00261.00275.00277.00281.00
Stationery, printing and supplies--------------------
Travel--------------------
Advertising and business development--------------------
Postage and freight--------------------
Telephone--------------------
Legal and other professional fees--------------175.00170.00167.00
Other non-credit losses--------------50.0041.00--
Outside computer services--------------------
Other outside services--------------62.0052.00--
Licenses, use, and other taxes--------------------
Amortization of mortgage servicing rights--------------------
(Recapture of) provision for impairment of mortgage servicing rights--------------------
Subsidiary minority interest--------------------
Loss on debt extinguishment----------------108.00--
FDIC insurance--------------217.00220.00227.00
Other miscellaneous expenses--------------443.00451.00683.00
Amortization of excess purchase price--------------------
(Gain) loss on sale of mortgages by subsidiaries--------------1.0032.00--
Ineffective hedge expense--------------------
Amortization of core deposit intangible--------------95.00107.00120.00
Communications--------------------
Marketing--------------62.0066.00--
Other real estate expense--------------162.00209.00175.00
Regulatory charge----------------75.00--
Branch consolidation and equipment charges--------------75.00----
Total Non-Interest expense3,570.003,491.003,483.003,607.003,432.003,556.003,526.003,862.003,859.003,785.00
Income Before Income Taxes1,955.001,860.001,664.001,530.001,682.001,665.001,661.00161.00(844.00)(1,268.00)
Current:Federal175.00373.00442.00--359.00--(20.00)2.00(183.00)(418.00)
Current:State29.0030.0021.00--15.00--16.001.002.008.00
Deferred:Federal130.00180.001.00--107.00--383.001.00(123.00)328.00
Deferred:State53.0036.0046.00--67.00--103.00(32.00)(72.00)(112.00)
Applicable income taxes387.00619.00510.00455.00548.00561.00482.00(28.00)(376.00)(194.00)
Income from Continuing Operations1,568.001,241.001,154.001,075.001,134.001,104.001,179.00189.00(468.00)(1,074.00)
Income Tax Benefit (Expense)(80.00)3.00(7.00)9.00(8.00)(11.00)40.00(4.00)30.00(23.00)
Loss from discontinued operations before income taxes271.0019.0016.00(22.00)21.00(24.00)(99.00)(408.00)(41.00)66.00
Net Income1,759.001,263.001,163.001,062.001,147.001,091.001,120.00(215.00)(539.00)(1,031.00)
Preferred stock dividends------64.0052.00----------
Preferred stock dividends and accretion64.0064.0064.00----32.00129.00214.00224.00230.00
Net Income Available to Common Shareholders1,695.001,199.001,099.00998.001,095.001,059.00991.00(429.00)(763.00)(1,261.00)
Earnings per share from continuing operations :Basic1.380.990.870.760.790.770.76(0.02)(0.56)(1.32)
Earnings per share from discontinued operations :Basic0.180.020.01----(0.01)(0.04)(0.32)(0.06)0.04
Net Income-Basic1.551.010.870.750.800.760.72(0.34)(0.62)(1.27)
Earnings per share from continuing operations :Diluted1.360.980.860.760.780.760.76(0.02)(0.56)(1.32)
Earnings per share from discontinued operations :Diluted0.170.020.01----(0.01)(0.04)(0.32)(0.06)0.04
Net Income-Diluted1.541.000.870.750.790.750.71(0.34)(0.62)(1.27)
Average number of shares outstanding-basic1,092.001,186.001,255.001,325.001,375.001,395.001,381.001,258.001,227.00989.00
Average number of shares outstanding-diluted1,102.001,198.001,261.001,334.001,387.001,410.001,387.001,258.001,227.00989.00