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Regions Financial Corporation (RF)
SUMMARY
BULLS
BEARS
TOPICS
DATA CENTRAL
STOCK CHART
SEC FILINGS
BALANCE
INCOME
CASH FLOW
Topic Listing for Regions Financial Corporation
Above-plan Merger Cost Saves Good Expense Containment
Accelerated Disposition Problem Assets Drives Net Charge-offs Provision
Acceptance Appointment Successor
Acceptance Terms Declaration Guarantee Indenture
Access Account Blackout Period Limited
Access List Holders Names Addresses
Accordance General Instruction Form 8-k Information Being Furnished
Account
Accounting Audit-related Complaints
Accounting Transfers Servicing Financial Assets
Accounts Unsecured Benefits Financing
Achieving Expense Reductions
Achieving Solid Earnings Ahead-of-plan Cost Saves Successfully Converted
Acquisition Program
Acquisitions
Action Without Meeting
Acts Holders
Acts Holders Meetings Voting
Addition Withdrawal Electing Employers
Additional Adjustments Purchase Price After Close
Additional Financial Operational Data
Address Including Zip Code Principal Executive Office
Administration
Adoption Plan Affiliate
Affiliate
Aggressively Managing Problematic Residential Builder Portfolio
Aggressively Managing Well-defined Credit Issues
Agreed Tax Treatment Trust Securities
Agreement Governed Construed Accordance Laws State New York
Agreement Not Petition
Aircraft
Alienation
Allowance Credit Losses
Allowance Credit Losses Increases 145 Percent Higher Charge-offs
Allowance Loan Lease Losses
Allowance Process
Amended Restated
Amended Restated 2004
Amended Restated 2008 Plan
Amended Restated Agreement Expenses Liabilities
Amendment
Amendment Management Incentive Plan
Amendment Modification Termination Plan
Amendment Termination
Amendments
Amendments Articles Incorporation Bylaws Change
Amendments Registrants Code Ethics Waiver Provision
Amortization Core Deposit Intangibles
Amortization Mortgage Servicing Rights Impairment
Amounts
Amsouth Bancorporation Supplemental Retirement Plan
Amsouth Bancorporation Supplemental Thrift Plan
Amsouth Merger
Annex
Annex A-1
Annex A-2
Announcement Capital Raising Transactions
Annual Cash Incentive Compensation
Annual Cash Incentive Summary
Annual Meeting Stockholders
Annual Meetings
Annualized Net Charge-offs Basis Points Average Loans Non-performing
Anti-takeover Laws Certain Agreements Charter Provisions Adversely Affect
Appeals Denial Claims
Applicability Plan
Applicable Income Tax
Applicable Law
Applicable Law Agreement Shall Governed Construed Accordance Laws
Application Trust Indenture Act
Appointment Paying Agent
Appointment Trustee Notes
Approval Amendment Certificate Incorporation Declassify Board Directors
Asset Securitizations
Assets Held Sale
Assignment
Assurance Emergency Economic Stabilization Act 2008 Other Recently
Assurance Recently Enacted Emergency Economic Stabilization Act 2008
Attending Meeting
Audit Committee
Audit Committee Financial Experts
Audit Committee Member Independence
Audit Committee Report
Authentication Preferred Securities Certificates
Authority Establish Trust
Authorization Enter Certain Transactions
Available Information
B-1
B-2
Background
Balance Sheet Analysis
Balance Sheet Flexibility
Balance Sheet Management Remains Priority
Bank Regulatory Capital Requirements
Bank-owned Life Insurance
Banking Business Generates Solid Net Interest Income Growth
Banking Environment Remains Challenging
Banking Operations
Barksdale Bonding Insurance Inc Acquisition
Base Salary
Basis Presentation
Basis Presentation Principles Consolidation
Beneficial Ownership Reporting Compliance
Beneficiary
Better-than-projected Cost Saves Pace Exceed Upwardly Revised 700
Better-than-projected Cost Saves Significantly Raising Target
Binding Effect
Biographical Information Yother
Blackout Period 2008
Board Committees
Board Directors
Board Directors Shareholders Regions Financial Corporation
Board Directors Unanimously Recommends Stockholders Vote Against Proposal
Board Unanimously Recommends Vote Resolution Approving Compensation Executives
Branch Divestitures
Breakout Revenue Division
Brokerage Investment Banking Capital Markets Trust Department Income
Brokerage Investment Banking Trust
Brokerage Market Making Activity
Brokerage Market Making Activity Risk
Business Combinations
Business Combinations Assets Held Sale
Business Segments
Businesses Been Continue Adversely Affected Current Conditions Financial
Calculation Benefits Participants Transferred Morgan Keegan
Candice Bagby Retiring After 38-year Career
Capital Adequacy
Capital Position Remains Strong
Capital Position Significantly Strengthened
Cash Equivalents
Cash Flow Hedges
Cash Flows
Categorical Standards Director Independence
Cautionary Statement Preliminary Results Other Forward-looking Information
Certain Duties Responsibilities
Certain Notices
Certain Rights Property Trustee
Certificate Incorporation Regarding Declassification Board Directors
Certificates Stock
Certification
Cfo Yother Set Retire
Chairman Board
Chairman Ceo Positions Board Composition
Chairman Ceo Positions Board Composition Amended Effective 2007
Challenging Revenue Environment
Change Control
Changes Change-in-control Other Employment Agreements
Changes Policies Monetary Authorities Other Government Action Adversely
Charges Not Represent Amount Effectively Accrues Directly Stockholders
Checks
Chief Executive Officer
Class Directors
Co-trustees Separate Trustee
Code
Code Business Conduct Ethics
Code Ethics Senior Financial Officers
Collectively Plans
Comfort Letter
Commercial
Commercial Commitments
Commercial Credit Fee Income
Commercial Loan Geographic Distribution
Commercial Real Estate 205
Commercial Real Estate 210
Commitments Contingencies
Commitments Contingencies Guarantees
Committee Meetings Structure
Committee Membership
Committees
Common Stock Dividend Reduction Enables Capital Strengthening
Common Stock Par Value 15637625967 2005
Common Stock Par Value-14686219793 2006
Common Stock Par Value-22669702117 2007
Common Stock Par Value-7294300055 2008
Communications Between Stockholders Other Interested Parties Board
Communications Between Stockholders Other Interested Parties Board Directors
Community Banking 240
Community Reinvestment Act
Comparison 2005 2004
Comparison 2006 2005
Comparison 2007 2006
Compensation
Compensation Committee
Compensation Committee Interlocks Insider Participation
Compensation Committee Operation
Compensation Committee Report
Compensation Determinations Named Executive Officers
Compensation Indemnity Fees
Compensation Plan
Competition
Completion Acquisition Disposition Assets
Compliance Code 409a
Comptroller
Computation Ratio Earnings Fixed Charges
Condominium Portfolio
Conflicting Interests
Conservative Risk Culture Buffers Against Industry Credit Issues
Consumer
Consumer Real Estate
Consumer Real Estate 314
Consumer Real Estate 319
Consumer Real Estate-317
Contingent Features
Continuing Solid Loan Growth Steady Fee-based Revenue
Controls Procedures
Converting Cpp Preferred Shares Convertible Cap Otherwise Obtaining
Core Fee-based Revenue Posts Strong Gain
Corporate Profile
Corporate Property Trustee Required Eligibility Trustees
Cost Saves Continue Exceed Expectations
Counterparts
Counterparty Risk
Covenants
Creation Notes
Credit Costs Remain Low
Credit Costs While Higher Remain Reasonable Levels
Credit Derivatives
Credit Losses Remain Low
Credit Quality
Credit Quality Remains Strong Non-performing Loans Begin Normalize
Credit Ratings
Credit Risk
Critical Accounting Policies
Current Levels Market Volatility Unprecedented
Current Market Developments Adversely Affect Industry Business Results
Current Market Developments Adversely Affect Industry Businesses Results
Customer Deposit Funding Gaining Momentum
Customer Deposits Continue Momentum 2009 Record Satisfaction
Death Participant
Declaration Trust
Declassification Amendment Ancillary Changes
Decline Distressed Loan Portfolio Exposure Continues Florida Remains
Decline Purchase Price Reflected Financial Statements
Defeasance
Deferral Investment Changes
Deferrals Performance Shares
Deferred Compensation
Deferred Compensation Accounts
Deferred Compensation Plan
Definitions
Definitive Preferred Securities Certificates
Delaware Trustee
Delegation Power
Delinquency
Departure Directors Principal Officers Election Appointment Compensatory
Deposit Growth Gaining Momentum
Deposit Liabilities
Depositor Preference
Deposits
Deposits Households Continue Grow Record Customer Satisfaction
Derivative Assets Liabilities
Derivative Financial Instruments Hedging Activities
Derivatives
Description
Director Attendance
Director Attendance Annual Meeting
Director Compensation
Director Independence
Director Nomination Process
Directors
Directors Deferred Stock Investment Plan
Directors Whose Terms Expire 2008 Class
Directors Whose Terms Expire 2009 Class
Directors Whose Terms Expire 2010 Class
Disciplined Balance Sheet Capital Management
Disposition Problem Assets Drives Increase Net Charge-offs Provision
Dispositions
Dissolution Expiration Date
Distribution Grandfathered Legacy Regions Plan Account Due Disability
Distribution Minors Incompetents
Distributions
Diversified Loan Portfolio 961
Dividend Adjusted Reflect Current Operating Environment
Dividends
Documents Incorporated Reference
Dowd Ritter Address
Dowd Ritter Biographical Information
Dowd Ritter Retire Effective 2010
Duration
Duration Plan
Early Termination
Earnings Per Common Share
Earnings Per Share
Ecitals Ompany
Economic Environment Regions Banking Markets
Economy Regions Primary Banking Markets
Effect Certain Events Distribution Accounts
Effect Other Agreements
Effective Date
Effective Date Manner Participation
Effects Deflation
Effects Inflation
Efficiency Improves Through Cost Control
Election Directors
Election Form Distribution
Election Term
Electronic Access Proxy Materials Annual Report
Eligibility
Eligibility Participation
Emphasis Problem Loan Property Dispositions Drives Net Charge-offs
Emphasis Problem Loan Property Dispositions Helps Control Non-performing
Employee
Employees
Employer Contributions
Employer Matching Contributions
Employment Change Control Arrangements
Employment Change-in-control Agreements
Enforcement
Eps Cents Excluding Merger-related Charges
Equifirst Sale Completed Future Earnings Positively Impacted
Equity Compensation Plan Information
Erisa
Establishment Plan
Events Default
Evidence Compliance Conditions Precedent
Exact Name Registrant Specified Charter
Excellent Merger Integration Progress Including Successful Alabama Florida
Excess Purchase Price
Exchanges
Execution Instruments Documents
Executive Officers Directors
Executive Officers Registrant
Executive Summary
Expenses
Experience Greater Credit Losses Anticipated Earnings Adversely Affected
Explanatory
Exposed Intangible Asset Risk Specifically Goodwill Become Impaired
Fair Value Financial Instruments
Fair Value Hedges
Fair Value Measurements
Fair Value Option
Fdic Insurance Assessments
Fee-based Revenue Relatively Steady Linked
Fee-based Revenues Increase
Fees
Fifth Avenue North Birmingham Alabama 35203
Final Term Sheet
Financial Condition
Financial Disclosure Internal Controls
Financial Statements Exhibits
Focus Efficiency Effectiveness Long-term Growth
Foreclosed Properties
Foreclosed Property Other Real Estate
Forfeitability Benefits
Form 10-k
Form 10-q
Form 2009-2010 Annual Salary Stock Unit Award Agreement
Form Deferral Agreement
Form Face 775 Senior Notes Due 2014
Form Face Security
Form Notice Exercise
Form Opinion
Form Preferred Securities Certificate
Form Waiver
Former Name Address Changed Since Last Report
Forward Looking Statements
Forward-looking Statements
Fractional Shares
Furniture Equipment Expense
Further Disruptions Residential Real Estate Market Adversely Affect
Further Strengthen Capital Position
Future Application Accounting Standards
Future Issuances Additional Securities Result Dilution Ownership
General
General Banking Treasury
General Provisions
Geographic Breakout
Global Preferred Securities Certificates
Global Security Insert Separate Page-
Good Fee-based Revenue Growth
Goodwill
Goodwill Impairment
Goodwill Other Intangible Assets
Governing Law
Governing Law Award Shall Governed Construed Accordance Laws
Government Investment Supports Loan Production
Grayson Hall Biographical Information
Group I-relationships Preclude Directors Independence
Group Ii-relationships Deemed Not Material Purposes Director Independence
Growing Revenue Through Expanding Customer Relationships
Guarantee Corporation
Guarantees
Head General Bank Also Named Vice Chairman
Headings
Herefore 2007 Agreement Hereby Amended Restated Entirety Set
Higher-than-expected Home Equity Losses Especially Florida
Highlights
History Purpose Status Deferred Compensation
Hold Securities
Holder Action Written Consent
Holding Depend Subsidiaries Dividends Distributions Other Payments
Home Equity Portfolio
Hurricanes Cause Disruption Operations Adverse Impact Results
Hurricanes Other Weather-related Events Cause Disruption Operations Consequences
Immediate Release
Impact Adoption
Impact Stock Price Decline Value Equity-based Awards
Impairment
Important Notice Regarding Availability Proxy Materials
Important Notice Regarding Delivery Security Holder Documents
In-service Withdrawals
Incentive Plan
Income Taxes
Increases Fee-based Revenue Streams Offset Weaker Net Interest
Indemnification Officers Directors Employees Agents Fiduciaries Insurance
Indenture Security Shall Governed Construed Accordance Laws State
Independent Lead Director
Index
Industry Competition Adverse Effect Success
Information Regions
Information Regions Directors Nominees
Information Votes Necessary Action Taken
Initial Contribution Trust Property Organizational Expenses
Initial Ownership
Inspection Records
Insurance
Insurance Commissions
Insurance Commissions Fees
Intangible Assets
Interest Rate Risk
Interest Rate Sensitivity
Interest-bearing Deposits Other Banks
Interpretation
Introduction
Investment Banking Brokerage Trust
Issuance Common Securities
Issuance Preferred Securities
Issuer Purchases Equity Securities
Issuing Significant Amount Convertible Preferred Equity Treasury Common
Itnesseth
John Maupin Elected Regions Board Directors
Leases
Legacy Regions Plan
Legal
Legal Proceedings
Level Measurements Only
Liability Holder Common Securities
Limitation Rights
Limitation Rights Holders
Limitations Incentive Compensation Contained Arra Adversely Affect Regions
Limitations Voting Rights
Liquidation
Liquidation Amount 1000 Per Common Security
Liquidation Amount 1000 Per Preferred Security
Liquidity
Liquidity Risk
List Annexes
Listed Below Instructions Accessing Wealthviews Web Site Https
Loan Portfolio Charge-off View
Loan Production Remains Stable
Loan Quality
Loan Servicing
Loans
Loans Allowance Loan Losses
Loans Held Sale
Loans Sic Code
Lock-up Agreement
Long Term Incentive Compensation Plan
Long-term Borrowings
Long-term Incentive Compensation
Long-term Incentive Plan
Loss Cents Per Share
Lost Certificates
Lower Net Interest Income Driven Divested Earning Assets
Maintaining Capital Position Steady Growth Expected
Maintains Strong Capital Position
Maintenance Office Agency
Management Process
Managements Report Internal Control Over Financial Reporting
Margin Receivables
Market Other Brokerage-related Risk
Market Price Shares Common Stock Fluctuate
Market Risk
Marketing
Measured Fair Value Non-recurring Basis
Measured Fair Value Recurring Basis
Meetings
Meetings Holders Preferred Securities
Meetings Nonmanagement Directors
Meetings Stockholders
Merger Conversion Consolidation Succession Business
Merger Integration 100 Percent Complete
Merger Integration Goals Ahead Schedule Branch Conversions Completed
Merger Integration Process
Merger Integration Successfully Completed
Merger Integration Track
Merger Successes Evident Earnings Results
Merger-related
Mergers Consolidations Amalgamations Replacements Trust
Miles Finch Inc Acquisition
Miscellaneous
Miscellaneous Provisions
Morgan Keegan Achieves Record Quarterly Revenue
Morgan Keegan Cont
Morgan Keegan Inc
Morgan Keegan Revenue Division
Mortgage Banking
Mortgage Income
Mortgage Servicing Origination Fees
Mortgage Servicing Rights
Mortgage Servicing Rights Impairment
Mutilated Destroyed Lost Stolen Trust Securities Certificates
Name
Name Address
Name Person Filing Proxy Statement Other Registrant
Nature Employer Obligation Participant Interest
Need Raise Additional Capital Future Such Not Available
Need Stay Current Technological Changes Order Compete Meet
Net Charge-offs 164 Decline Versus Sales-impacted Allowance Credit
Net Charge-offs Basis Points Average Loans Non-performing Assets
Net Interest Income
Net Interest Income Margin
Net Interest Margin Impacted Falling Short-term Rates
Net Interest Margin Impacted Short-term Rates
Net Interest Margin Impacted Tax Settlement
Net Interest Margin Squeezed Falling Short-term Rates
Net Occupancy Expense
Net Securities Gains Losses
New Regions Financing Trust
Nominating Corporate Governance Committee
Nominee Term Expiring 2010 Class Director
Nominees Terms Expiring 2009 Class Directors
Nominees Terms Expiring 2010 Class Directors
Non-cash Goodwill Impairment Charge Impacts Net Income Regulatory
Non-gaap Financial Measures
Non-interest Expense
Non-interest Expenses Additional Pre-tax Charges
Non-interest Expenses Ongoing Efforts Improve Efficiencies
Non-interest Income
Non-interest Income Affected Economic Weakness Expense Impacted Sizable
Non-interest Income Affected Weak Economy
Non-interest Income Impacted Weakness Economy Expenses Reflect Efficiency
Non-interest Income Results Mixed Expenses Well Contained
Non-interest Income Results Mixed Expenses Well-contained
Non-performing Asset Levels Excluding Held Sale Allowance-to-non-performing Coverage
Non-performing Assets
Non-performing Assets Net Charge-offs Rise
Non-performing Assets Net Charge-offs Rise Expected
Nonalienation
Nonbinding Stockholder Approval Executive Compensation
Nonqualified Deferred Compensation
Nonqualified Deferred Compensation 2006
Nonqualified Deferred Compensation 2007
Nonqualified Deferred Compensation 2008
Not Pay Dividends Common Stock
Not Responsible Recitals Issuance Securities
Notes Consolidated Financial Statements
Notes Exhibits
Notes Pro Forma Condensed Combined
Notes Recoveries Pro-rated Based Charge-off Balances
Notice Annual Meeting Stockholders
Notice Grant Restricted Stock Award
Notice Meetings
Notice Stockholder Business Nominations
Notice Waiver
Notices
Notices Clearing Agency
Number Administrative Trustees
Number Term
Number Term Amended Effective 2007
Objectives Design Regions Compensation Program
Objectives Philosophy Design Regions Compensation Program
Off-balance Sheet Arrangements
Off-balance Sheet Arrangements Contractual Obligations
Office Delaware Trustee Principal Place Business
Officers
Offices
Operating Expense Trends Continue Reflect Cost Saves
Operating Expenses Decline
Operating Expenses Well-controlled Cost Saves Remain Track
Operating Officer
Operating Results
Operating Revenue Continuing Operations
Option Exercises Stock Vested
Option Exercises Stock Vested 2008
Other
Other Assets
Other Benefits Perquisites
Other Business
Other Charges
Other Events
Other Factors Affecting Compensation
Other Financial Services Operations
Other Identifiable Intangible Assets
Other Income
Other Information
Other Information Included General Disclosure Package
Other Intangibles
Other Interest-earning Assets
Other Meetings
Other Miscellaneous Expenses
Other Miscellaneous Income
Other Non-interest Expenses
Other Non-interest Income Expense
Other Noninterest Revenues Expenses
Other Officers Agents
Other Offices
Other Plans
Other Pressured Portfolios
Other Real Estate Owned Expense
Other Relationships
Other Transactions
Outstanding 6625 Trust Preferred Securities
Oversight Role Committee
Overview
Ownership Common Securities Depositor
Page
Parent Only Financial Statements
Part
Part Other Information
Participant
Participant Accounts
Participants Regions 401 Plan Other Plans
Participation
Participation Supplemental Plan
Participation Treasurys Cpp Imposes Restrictions Obligations Limit Ability
Patriot Act
Payment Account
Payment Deferred Compensation
Payment Dividends
Payment Performance Shares Deferred Amounts
Payment Procedures
Payment Taxes Duties Etc Trust
Payments Due Non-business
Payments Indenture Pursuant Direct Actions
Pension Benefits
Pension Other Postretirement Benefits
Per Share Amounts
Performance Graph
Performance Investment Portfolio Subject Fluctuations Due Changes Interest
Persons Deemed Holders
Pin Changes
Plan
Plan Administrator
Plan Amsouth
Plan Establishment Purpose
Plan Operations Stay Same Blackout Period
Plus Finance Veteran Manage Accounting Functions
Portfolio Characteristics
Post-merger Compensation Actions
Posting Report Updated Semi-annually Political Contributions
Potential Misinterpretation Results Stress Test Adversely Affect Regions
Potential Payments Regions Termination Change-in-control
Powers
Pre-merger Compensation Program Applicable Ritter
Pre-tax Dollars
Preferential Collection Claims Against Depositor Trust
Premises Equipment
Premises Equipment Net
Prepayment Risk
President
President Ceo Doug Edwards Retire
President Ceo Dowd Ritter Assume Chairman Role
Press Release Dated 2008 Signatures
Pricing Term Sheet
Primary Compensation Peer Group
Pro Forma Financial Information
Proactive Management Well-defined Credit Issues
Professional Fees
Profit Cents Per Share
Profitability Liquidity Affected Changes Economic Conditions Areas Operations
Proposal 1-election Directors
Proposal 3-amend Regions Amended Restated Certificate Incorporation Declassify
Proposal Nonbinding Stockholder Approval Executive Compensation
Proposals Stockholders
Provision Loan Losses
Provision Loan Losses Increased 912 421 Above Net
Proxies Etc
Purchase Closing
Purpose
Purpose Plan
Qualitative Quantitative Disclosures Market Risk
Quarterly Earnings 010 Per Diluted Share Gaap Excluding
Quarterly Earnings 030 Per Diluted Share Gaap Excluding
Quarterly Earnings 048 Per Diluted Share Gaap Excluding
Quarterly Earnings 056 Per Diluted Share Gaap Excluding
Quarterly Earnings 063 Per Diluted Share Gaap Excluding
Quarterly Loss 028 Per Diluted Share Solid Underlying
Quarterly Loss 901 Per Diluted Share Driven Goodwill
Questions Blackout Period Contact
Quorum
Quorum Requirement
Rapid Significant Changes Market Interest Rates Adversely Affect
Ratification Appointment Independent Auditors
Ratings
Ratings Agencies Recently Downgraded Securities Deposit Regions Bank
Real Estate
Recent Accounting Pronouncements
Recent Accounting Pronouncements Changes
Recitals
Record Date Voting Other Purposes
Redemption
Reduction Credit Rating Increase Cost Funding Capital Markets
Regions
Regions 401 Plan
Regions Additional Exposure Recourse Early Payment Default Etc
Regions Amsouth Complete Merger
Regions Announces 125 Capital Raise
Regions Announces Completion Capital Raise
Regions Announces Supervisory Capital Assessment Program Findings
Regions Been Subject Increased Litigation Result Legal Liability
Regions Believes Presenting Non-gaap Financial Measures Permit Investors
Regions Board Directors Names Morgan Chairman Emeritus Keegan
Regions Exposure Equifirst Loans Balance Sheet
Regions Financial Corp Names Yother Chief Officer
Regions Financial Corporation
Regions Financial Corporation 2006 Long Term Incentive Plan
Regions Financial Corporation 401 Plan
Regions Financial Corporation Financing Trust
Regions Financial Corporation Subsidiaries
Regions Financing Trust
Regions Increases 2007 Loan Loss Provision
Regions Not Able Raise Private Capital Amount Required
Regions Reaches Agreement Irs
Regions Reduces Quarterly Cash Dividend Further Strengthen Capital
Regions Reports 2007 Earnings
Regions Reports 2008 Earnings
Regions Resolves 2005 Sec Inquiry Involving Amsouth Mutual
Regions Selected Participate Treasury Capital Purchase Program
Registered Office
Registrants Telephone Number Including Area Code
Registrants Telephone Number Including Area Code 205 944-1300
Registration Transfer Exchange Trust Securities Certificates
Regulation Disclosure
Regulation Insurors Insurance Brokers
Regulation Morgan Keegan
Regulatory Capital Requirements
Regulatory Remedies Fdicia
Regulatory Requirements Restrictions
Remainder Page Intentionally Left Blank
Removal
Removal Amended 2007
Report Independent Registered Public Accounting Firm
Report Independent Registered Public Accounting Firm Internal Control
Report Management Internal Control Over Financial Reporting
Report Managements Assessment Internal Control Over Financial Reporting
Reports Notices Demands
Reports Property Trustee
Representations Warranties
Representations Warranties Depositor
Representations Warranties Property Trustee Delaware
Requests Hardship Withdrawals
Requests Loans
Requests Withdrawals Termination Distributions
Resell Securities Sold Agreements Repurchase
Residential Homebuilder Portfolio
Residential Homebuilder Portfolio Exposure Declines Generally Expected Charge-offs
Residential Homebuilder Portfolio Exposure Declines Workout Strategy Fully
Resignation Removal Appointment Successor
Resignations
Restrictions Dividends Repurchase Stock
Restructuring Liabilities
Retirement Savings Plan
Revenue
Revenue Recognition
Review Approval Ratification Transactions Related Persons
Rights Holders
Risk Characteristics Loan Portfolio
Risk Committee
Risk Management
Rollover Contributions Plan
Safety Soundness Standards
Salaries Employee Benefits
Salary Reduction Contributions
Sarbanes-oxley Act 2002
Schedule
Seal
Secretary
Securities
Securities Available Sale
Securities Held Maturity
Securities Issued Regions Including Common Stock Not Fdic
Securities Purchased Agreements Resell Sold Repurchase
Securities Registered Pursuant Act
Securities Registrar Paying Agent
Security Ownership Certain Beneficial Owners
See Notes Consolidated Statements Income Page
Segment Information
Senior Executive Vice President Chief Financial Officer
Sensitivity Measurement
Separability
Service Charges Deposit Accounts
Sets Target Non-performing Asset Sales
Severability
Share Buybacks Continue
Share Repurchases Continue Capital Position Remains Strong
Share-based Payments
Shareholders Equity
Shattuck Hammond Partners Llc Acquisition
Short-term Borrowings
Short-term Interest Rates Affect Net Margin
Signature
Signature Page Follows
Signatures
Small Business Association
Solicitation Proxies
Solid Eps Cents Excluding Merger-related Charges
Solid Loan Growth Diverse Fee-based Revenue Expanding Customer
Solid Underlying Business Performance Focused Efforts Address Credit
Soundness Other Financial Institutions Adversely Affect
Special Meetings
Special Provisions Regarding Legacy Regions Plan Restoration Account
Specified Employee
Spread Revenue Dips Slightly Despite Modestly Improved Loan
Stabilizing Net Interest Margin Contributes Growth Income
Stable Capital Position
Steady Performance Banking Franchise
Stockholder Action Consent
Stockholder Proposal Regarding Posting Report Updated Semi-annually Political
Stockholder Supporting Statement
Stockholders Equity
Stockholders Record Date
Strengthened Balance Sheet Liquidity Positioning
Strengthened Capital
Strong 1q07 Revenue
Strong Core Results Merger Integration Progressing Planned
Strong Fee-based Revenue Largely Offsets Softer Spread
Strong Growth Deposits Households Leads Solid Business Performance
Strong Underlying Non-interest Income
Subject Extensive Governmental Regulation Adverse Impact Operations
Subordination
Subordination Common Securities
Subrogation
Subsequent Event
Subsequent Events
Subsidiaries Registrant 2008
Success Dependent Ability Profitably Manage Growth
Successor Organization
Successors
Summary
Summary Income Statement
Summary Significant Accounting Policies
Supplemental 401 Account
Supplemental 401 Plan
Supplemental Indenture Governed Construed Accordance Laws State New
Supplemental Thrift Plan
Support Subsidiary Banks
Table 1-loan Portfolio
Table 10-credit Ratings
Table 10-regulatory Capital Requirements
Table 10-selected Loan Maturities
Table 10-short-term Borrowings
Table 11-credit Ratings
Table 11-regulatory Capital Requirements
Table 11-securities
Table 12-credit Ratings
Table 12-regulatory Capital Requirements
Table 13-credit Ratings
Table 13-trading Account Assets
Table 14-interest Rate Sensitivity
Table 14-mortgage Servicing Rights
Table 15-deposits
Table 15-interest Rate Sensitivity
Table 15-non-interest Income
Table 16-maturity Time Deposits 100000
Table 16-morgan Keegan
Table 16-non-interest Income
Table 17-morgan Keegan
Table 17-selected Short-term Borrowings Data
Table 17-short-term Borrowings
Table 18-credit Ratings
Table 19-capital Ratios
Table 2-residential Homebuilder Portfolio
Table 20-income Taxes
Table 20-interest Rate Sensitivity
Table 21-contractual Obligations
Table 23-non-performing Assets
Table 3-non-performing Assets
Table 3-selected Home Equity Portfolio Information
Table 4-non-performing Assets
Table 4-securities
Table 5-mortgage Servicing Rights
Table 5-non-interest Income
Table 5-securities
Table 5-troubled Debt Restructurings
Table 6-deposits
Table 6-morgan Keegan
Table 6-mortgage Servicing Rights
Table 6-troubled Debt Restructurings
Table 7-deposits
Table 7-morgan Keegan Revenue Division
Table 7-short-term Borrowings
Table 8-deposits
Table 8-securities
Table 8-short-term Borrowings
Table 9-deposits
Table 9-loan Portfolio
Table 9-regulatory Capital Requirements
Table 9-short-term Borrowings
Table Acquired Summary Balance Sheet Amsouth Bancorporation
Table Contents
Table Contractual Obligations
Table Credit Ratings
Table Deposits
Table Interest Rate Sensitivity
Table Loan Portfolio
Table Maturity Time Deposits 100000
Table Morgan Keegan
Table Mortgage Servicing Rights
Table Non-interest Income
Table Non-performing Assets
Table Regulatory Capital Requirements
Table Securities
Table Selected Loan Maturities
Table Short-term Borrowings
Table Trading Account Assets
Tangible Regulatory Capital Ratios Remain Strong Solid Liquidity
Target Annual Incentive Opportunity
Tarp Compensation Standards
Tax Agreement Reached 1999-2006
Tax Returns Reports
Tax Withholding
Telephone 205-944-1300
Term Agreement
Termination
Termination Liquidation Merger
Termination Service
Title Definitions
Title Trust Property
Total 2008 Grants
Total Assets
Total Loan Portfolio
Total Loan Portfolio 954
Trading Account Assets
Trading Derivatives
Trading Other Derivatives
Transfer Shares
Treasury Stock
Trust Department Income- Income 2009 Decreased Compared Same
Trust Preferred Securities
Trust Securities Certificates
Uncertain Tax Positions
United States
Unregistered Sales Equity Securities Proceeds
Unsecured Benefits Financing
Upplemental Ndenture
Ust Sequence Number
Vacancies
Valuation Date
Valuation Participant Accounts
Variable Interest Entities
Vesting Schedule
Vice-chairman
Vice-presidents
Visa Indemnification Initial Public Offering
Vote Required
Voting
Voting Amended Effective 2007
Voting Procedures Revocation
Voting Rights
Voting Securities Principal Holders Thereof
Voting Telephone Internet
Waiver Notice
Warrant Purchase Common Stock
Was Gain Loss Transaction
What Caused Decline Estimated Purchase Price 225
Witnesseth
Year-end Holdings
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