Regions Financial Says non-interest revenue expected to trend up in 1Q14 Says well positioned for growth in capital, liquidity and has a "solid" balance sheet. Says mix of new mortgages continues to be driven by new home purchases. Says currently evaluating a number of posting options and says plans are underway to expand small credit product offerings. Expects efficiency ratio to drift down from the 1Q14 level. Sees a prolonged low-interest rate environment. Sees an evolving regulatory environment. Sees loan growth of 3%-5% and a deposit growth of 1%-2% in FY14. Sees a relatively stable net interest margin this year. Sees FY14 adjusted expenses to be lower than FY13 adjusted expenses. Says committed to generating positive operating leverage. Comments taken from slides of Regions Financials presentation at the Morgan Stanley Financials conference.