Call reports 2005
CADENCE BANK — 2005
What CADENCE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 10,819,750,000 | 10,825,364,000 | 11,056,009,000 | 11,773,662,000 |
| Total loans | 6,952,922,000 | 7,105,612,000 | 7,171,107,000 | 7,440,561,000 |
| Allowance for loan losses | 92,706,000 | 91,076,000 | 101,067,000 | 101,500,000 |
| Securities available for sale | 1,595,226,000 | 1,502,719,000 | 1,430,172,000 | 1,333,759,000 |
| Securities held to maturity | 1,203,910,000 | 1,208,680,000 | 1,255,874,000 | 1,412,529,000 |
| Trading assets | 167,000 | 114,000 | 1,983,000 | 0 |
| Total deposits | 9,131,398,000 | 9,004,890,000 | 9,253,245,000 | 9,647,119,000 |
| Interest-bearing deposits | 7,560,684,000 | 7,470,286,000 | 7,564,728,000 | 7,705,852,000 |
| Noninterest-bearing deposits | 1,570,714,000 | 1,534,604,000 | 1,688,517,000 | 1,941,267,000 |
| Equity capital | 1,008,915,000 | 1,040,969,000 | 1,048,565,000 | 1,098,578,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 133,025,000 | 269,961,000 | 412,681,000 | 563,549,000 |
| Interest expense | 42,251,000 | 87,831,000 | 138,408,000 | 193,317,000 |
| Net interest income | 90,774,000 | 182,130,000 | 274,273,000 | 370,232,000 |
| Noninterest income | 52,792,000 | 94,740,000 | 142,127,000 | 195,144,000 |
| Noninterest expense | 89,457,000 | 178,791,000 | 267,572,000 | 358,892,000 |
| Provision for loan losses | 4,787,000 | 7,767,000 | 22,492,000 | 24,467,000 |
| Pretax income | 49,392,000 | 90,753,000 | 126,797,000 | 182,489,000 |
| Income tax | 15,906,000 | 28,897,000 | 39,811,000 | 58,215,000 |
| Net income | 33,486,000 | 61,856,000 | 86,986,000 | 124,274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 883,783,000 | 910,537,000 | 920,380,000 | 944,565,000 |
| Total capital | 976,158,000 | 1,002,837,000 | 1,017,542,000 | 1,039,540,000 |
| Risk-weighted assets | 7,282,158,000 | 7,386,486,000 | 7,671,933,000 | 7,492,107,000 |