Call reports 2004
CADENCE BANK — 2004
What CADENCE 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 | 10,578,583,000 | 10,668,149,000 | 10,604,944,000 | 10,844,752,000 |
| Total loans | 6,294,715,000 | 6,466,896,000 | 6,583,317,000 | 6,923,130,000 |
| Allowance for loan losses | 91,327,000 | 90,537,000 | 90,100,000 | 91,673,000 |
| Securities available for sale | 1,880,063,000 | 1,763,827,000 | 1,729,462,000 | 1,655,941,000 |
| Securities held to maturity | 1,320,134,000 | 1,510,209,000 | 1,384,061,000 | 1,274,920,000 |
| Trading assets | 13,000 | 0 | 0 | 31,758,000 |
| Total deposits | 8,903,862,000 | 8,819,628,000 | 8,874,791,000 | 9,100,901,000 |
| Interest-bearing deposits | 7,540,933,000 | 7,464,616,000 | 7,486,902,000 | 7,607,807,000 |
| Noninterest-bearing deposits | 1,362,929,000 | 1,355,012,000 | 1,387,889,000 | 1,493,094,000 |
| Equity capital | 979,873,000 | 944,812,000 | 962,934,000 | 1,005,729,000 |
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 | 124,220,000 | 248,988,000 | 374,359,000 | 501,495,000 |
| Interest expense | 37,111,000 | 74,513,000 | 113,459,000 | 153,441,000 |
| Net interest income | 87,109,000 | 174,475,000 | 260,900,000 | 348,054,000 |
| Noninterest income | 44,664,000 | 95,198,000 | 136,765,000 | 181,388,000 |
| Noninterest expense | 85,504,000 | 168,588,000 | 252,943,000 | 340,055,000 |
| Provision for loan losses | 4,015,000 | 8,851,000 | 12,381,000 | 17,485,000 |
| Pretax income | 42,695,000 | 92,734,000 | 132,986,000 | 171,064,000 |
| Income tax | 13,558,000 | 29,974,000 | 40,491,000 | 51,684,000 |
| Net income | 29,137,000 | 62,760,000 | 92,495,000 | 119,380,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 865,051,000 | 864,243,000 | 865,405,000 | 869,856,000 |
| Total capital | 950,143,000 | 951,535,000 | 953,214,000 | 962,846,000 |
| Risk-weighted assets | 6,728,740,000 | 6,918,918,000 | 6,984,758,000 | 7,363,551,000 |