Call reports 2003
CADENCE BANK — 2003
What CADENCE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 10,337,205,000 | 10,580,511,000 | 10,187,278,000 | 10,304,022,000 |
| Total loans | 6,325,708,000 | 6,390,437,000 | 6,295,537,000 | 6,309,200,000 |
| Allowance for loan losses | 89,600,000 | 91,210,000 | 90,505,000 | 92,112,000 |
| Securities available for sale | 1,046,427,000 | 1,698,955,000 | 1,968,092,000 | 1,963,092,000 |
| Securities held to maturity | 1,864,519,000 | 1,552,070,000 | 990,112,000 | 1,091,991,000 |
| Trading assets | 146,000 | 31,000 | 2,736,000 | 27,000 |
| Total deposits | 8,717,143,000 | 8,731,688,000 | 8,449,795,000 | 8,654,732,000 |
| Interest-bearing deposits | 7,448,783,000 | 7,410,305,000 | 7,157,846,000 | 7,292,025,000 |
| Noninterest-bearing deposits | 1,268,360,000 | 1,321,383,000 | 1,291,949,000 | 1,362,707,000 |
| Equity capital | 917,573,000 | 931,950,000 | 954,635,000 | 937,327,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 139,474,000 | 274,744,000 | 406,691,000 | 534,041,000 |
| Interest expense | 45,039,000 | 88,655,000 | 128,148,000 | 165,765,000 |
| Net interest income | 94,435,000 | 186,089,000 | 278,543,000 | 368,276,000 |
| Noninterest income | 39,906,000 | 80,792,000 | 131,958,000 | 170,012,000 |
| Noninterest expense | 79,422,000 | 159,315,000 | 244,537,000 | 319,519,000 |
| Provision for loan losses | 6,522,000 | 12,994,000 | 17,658,000 | 25,130,000 |
| Pretax income | 61,953,000 | 108,309,000 | 162,102,000 | 207,476,000 |
| Income tax | 21,020,000 | 35,583,000 | 53,445,000 | 67,808,000 |
| Net income | 40,933,000 | 72,726,000 | 108,657,000 | 139,668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 840,717,000 | 827,328,000 | 853,457,000 | 834,380,000 |
| Total capital | 926,119,000 | 912,931,000 | 938,173,000 | 919,248,000 |
| Risk-weighted assets | 6,759,521,000 | 6,772,639,000 | 6,693,827,000 | 6,702,145,000 |