Cadence Bank, N.A. in Birmingham, Alabama (AL), FL, MS, TN, GA
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Cadence Bank, N.A. in Birmingham, Alabama (AL), FL, MS, TN, GA
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Cadence Bank, N.A. - Overview

  • General
  • FDIC Certificate #: 4999
    Status: Active
    Federal Reserve ID: 4262534
    Bank Holding Company (Regulatory Top Holder): Cadence Bancorp Llc (RSSDID: 4037349, Location: Houston, TX)
    Date Established: May 01, 1887
    WWW: http://www.cadencebank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 112 (Domestic: 112, Interstate: Yes)
    OTS Docket #: 10349
    FDIC's unique #: 3336
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 14, 2011
    Last Structure Change Process Date: December 14, 2011
    Last Data Update: December 14, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 17 20th Street North, Birmingham, AL 35203
    County: Jefferson
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Jackson Ms
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Birmingham, AL (#1000)
    Combined Statistical Area (CSA): Birmingham-Hoover-Cullman, AL (#142)
    Core Based Statistical Area (CBSA): Birmingham-Hoover, AL (#13820)
    CBSA Metro Statistical Area: Birmingham-Hoover, AL (#13820)
  • Financial Summary
  • Total assets: $3,909.7 mil
    Equity capital: $622.0 mil
    Deposits held in domestic offices: $3,124.0 mil
    Return on assets (ROA): 0.19% ($7.4 mil)
    Quarterly return on assets: -0.93% (-$36.4 mil)
    Return on Equity (ROE): 1.32% ($8.2 mil)
    Quarterly return on equity: -5.91% (-$36.8 mil)
    Net income: $5.8 mil
    Quarterly Net income: -$9.3 mil
    Pretax return on assets: 0.28% ($10,947.2 mil)
    Quarterly Pretax return on assets: -1.39% (-$54,345.0 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 1,227Total employees (full-time equivalent)
  • $3,909,710Total assets
  • $360,607Cash and due from depository institutions
  • $292,199Interest-bearing balances
  • $643,210Securities
  • $27,499Federal funds sold & reverse repurchase agreements
  • $2,361,222Net loans & leases
  • $16,021Loan loss allowance
  • $0Trading account assets
  • $39,457Bank premises and fixed assets
  • $35,019Other real estate owned
  • $121,261Goodwill and other intangibles
  • $3,909,710Life insurance assets
  • $321,435All other assets
  • $3,287,760Total liabilities and capital
  • $3,123,989Total liabilities
  • $2,618,937Total deposits
  • $3,123,989Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 32869.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $100,000Trading liabilities
  • $0Other borrowed funds
  • $30,902Subordinated debt
  • $621,950All other liabilities
  • $621,950Total equity capital
  • $621,950Total bank equity capital
  • $0Perpetual preferred stock
  • $1,200Common stock
  • $603,378Surplus
  • $17,372Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $18,596Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $311,223Income earned, not collected on loans
  • $685Earning assets
  • $23,809Long-term assets (5+ years)
  • $3,324,130Average Assets, year-to-date
  • $744,669Average Assets, quarterly
  • $3,067,453Volatile liabilities
  • $3,970,384Insider loans
  • $1,740,552FHLB advances
  • $3,758,119Loans and leases held for sale
  • $75,360Unused loan commitments
  • $75,107Tier 1 (core) risk-based capital
  • $435,665Tier 2 risk-based capital
  • $253Total risk weighted assets
  • $0Total unused commitments
  • $387,851Restructured Loans and leases
  • $60Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $153,896Total interest income
  • $13,248Total interest expense
  • $140,648Net interest income
  • $23,386Provision for loan and lease losses
  • $35,940Total noninterest income
  • $1,614Fiduciary activities
  • $9,733Service charges on deposit accounts
  • $0Trading account gains & fees
  • $24,593Additional noninterest income
  • $145,142Total noninterest expense
  • $67,239Salaries and employee benefits
  • $17,608Premises and equipment expense
  • $60,295Additional noninterest expense
  • $8,060Pre-tax net operating income
  • $539Securities gains (losses)
  • $2,758Applicable income taxes
  • $5,841Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,841Net income attributable to bank
  • $0Net charge-offs
  • $5,841Cash dividends
  • $7,365Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.91%Yield on earning assets
  • 0.51%Cost of funding earning assets
  • 5.41%Net interest margin
  • 1.38%Noninterest income to earning assets
  • 5.58%Noninterest expense to earning assets
  • 0.18%Net operating income to assets
  • 0.19%Return on assets (ROA)
  • 0.28%Pretax return on assets
  • 1.32%Return on equity (ROE)
  • 1.32%Retained earnings to average equity (YTD only)
  • 0.42%Net charge-offs to loans
  • 317.53%Credit loss provision to net charge-offs
  • 4.27%Efficiency ratio
  • 79,566Assets per employee
  • 3.19%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.67%Loss allowance to noncurrent loans
  • 5.15%Noncurrent assets plus other real estate owned to assets
  • 9.01%Noncurrent loans to loans
  • 13.09%Net loans and leases to deposits
  • 75.58%Net loans and leases to core deposits
  • 78.93%Equity capital to assets
  • 15.91%Core capital (leverage) ratio
  • 11.59%Tier 1 risk-based capital ratio
  • 25.03%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $3,067,453Average earning assets
  • $441,970Average equity
  • $2,602,133Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $290,565Managed Assets
  • 1Number of Accounts
  • $187,667Personal trust and agency accounts
  • $52,929Employee benefit-defined contribution accounts
  • $21,359Employee benefit-defined benefit accounts
  • $9,393Other retirement accounts
  • $39,857Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $55,648Other fiduciary accounts
  • $8,481Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1390Number of Accounts
  • $0Personal trust and agency accounts
  • $30,081Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $102,898Other retirement accounts
  • $23,185Corporate trust and agency accounts
  • $55,825Other fiduciary accounts
  • $14,182Fiduciary accounts held in foreign offices

List of branches

  • 50 Alabama Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03336Cadence Bank, N.A.17 20th Street North, Birmingham, AL 35203May 01, 1887Full Service Brick and Mortar
    33249516University Mall Branch1701 Mcfarland Boulevard, East, Tuscaloosa, AL 35405August 19, 1980Full Service Brick and Mortar
    34249517Northport Branch3100 Mcfarland Boulevard West, Northport, AL 35476September 01, 1987Full Service Brick and Mortar
    35249518North Tuscaloosa Branch1615 Mcfarland Boulevard North, Tuscaloosa, AL 35406March 18, 1996Full Service Brick and Mortar
    3654755Greensboro Avenue Branch1101 Greensboro Avenue, Tuscaloosa, AL 35401May 20, 1994Full Service Brick and Mortar
    38290186Hillcrest Center Branch6561 Highway 69 South, Tuscaloosa, AL 35405Febuary 02, 1998Limited Service Facility
    62468812Hoover Branch2755 John Hawkins Parkway, Hoover, AL 35244July 10, 2007Full Service Brick and Mortar
    63473410Highway 119 Hoover6801 Cahaba Valley Road, Suite 119, Birmingham, AL 35242January 22, 2008Full Service Brick and Mortar
    6611705Birmingham Branch17 20th Street North, Birmingham, AL 35203May 31, 1957Full Service Brick and Mortar
    67242681Gardendale Branch2250 Mount Olive Road, Gardendale, AL 35071Febuary 05, 1990Full Service Brick and Mortar
    6836408Monroeville Branch780 South Alabama Avenue, Monroeville, AL 36460July 01, 1987Full Service Brick and Mortar
    691851Sylacauga Branch126 North Broadway Avenue, Sylacauga, AL 35150January 01, 1913Full Service Brick and Mortar
    70194473Childersburg Branch33327 Highway 280, Childersburg, AL 35044November 03, 1996Full Service Brick and Mortar
    7155576Old Commerce Main Office Branch8031 Us Hwy 431, Albertville, AL 35950April 03, 1995Full Service Brick and Mortar
    72290283Guntersville Branch2125 Henry Street, Guntersville, AL 35976April 03, 1995Full Service Brick and Mortar
    73290284Gadsden Branch701 Forrest Avenue, Gadsden, AL 35901May 01, 1996Full Service Brick and Mortar
    74290285Rainbow City Branch3201 Rainbow Drive, Rainbow City, AL 35906October 01, 1996Full Service Brick and Mortar
    75242685Decatur Branch1811 Danville Road, Decatur, AL 35601September 14, 1998Full Service Brick and Mortar
    7640245Madison Branch3751 Sullivan Street, Madison, AL 35758April 11, 1989Full Service Brick and Mortar
    77262177Huntsville Branch300 Clinton Avenue West, Huntsville, AL 35801August 10, 1992Full Service Brick and Mortar
    78249137Samson Branch16 East Main Street, Samson, AL 36477January 02, 1991Full Service Brick and Mortar
    79249138Opp Branch301 Cummings Avenue, Opp, AL 36467July 22, 1991Full Service Brick and Mortar
    83357703Andulusia Branch1135 Dr Mlk Expressway, Andalusia, AL 36420September 13, 1999Full Service Brick and Mortar
    86446268Warrior Branch218 Louisa Street, Warrior, AL 35180October 31, 2005Full Service Brick and Mortar
    9638Blountsville Branch69156 Main Street, Blountsville, AL 35031July 23, 1923Full Service Brick and Mortar
    97180931Oneonta Branch608 Second Avenue East, Oneonta, AL 35121August 19, 1985Full Service Brick and Mortar
    98232132Snead Branch87615 Us Highway 278, Altoona, AL 35952September 25, 1972Full Service Brick and Mortar
    9936299New Hope Branch10175 Hwy 431 So., New Hope, AL 35760March 02, 1987Full Service Brick and Mortar
    100232125Gurley Branch217 Walker Street, Gurley, AL 35748December 07, 1968Full Service Brick and Mortar
    101180932West Blount Branch261 State Highway 160, Warrior, AL 35180Febuary 22, 1988Full Service Brick and Mortar
    10236298Falkville Branch4662 U.S. Highway 31 Sw, Falkville, AL 35622March 02, 1987Full Service Brick and Mortar
    103180934Hartselle Branch600 Main Street West, Hartselle, AL 35640Febuary 01, 1989Full Service Brick and Mortar
    104180935Meridianville Branch12094 Highway 231/431 North, Meridianville, AL 35759July 23, 1990Full Service Brick and Mortar
    105180936Elkmont Branch25530 Highway 127, Elkmont, AL 35620August 02, 1993Full Service Brick and Mortar
    106232112Haleyville Branch1728 Eleventh Avenue, Haleyville, AL 35565January 01, 1892Full Service Brick and Mortar
    107180942Cleveland Branch18045 State Highway 160, Cleveland, AL 35049June 03, 1996Full Service Brick and Mortar
    1089014Uniontown Branch293 Water Street, Uniontown, AL 36786January 01, 1890Full Service Brick and Mortar
    109180944Rogersville Branch224 Wheeler Street, Rogersville, AL 35652November 18, 1996Full Service Brick and Mortar
    110180956Hamilton Branch1736 Military Street South, Hamilton, AL 35570December 06, 1999Full Service Brick and Mortar
    111456250Athens Branch1319 Us Highway 72 East, Athens, AL 35611October 31, 2006Full Service Brick and Mortar
    115491826Cullman Branch1850 Cherokee Ave Sw, Suite 1, Cullman, AL 35055November 26, 2007Full Service Brick and Mortar
    116491828Arab Branch942 North Brindlee Mtn Parkway, Arab, AL 35016March 24, 2008Full Service Brick and Mortar
    118491831Chelsea Branch104 Chelsea Point Drive, Chelsea, AL 35043May 27, 2008Full Service Brick and Mortar
    124491842Trussville Branch1950 Edwards Lake Road, Birmingham, AL 35235October 03, 2007Full Service Brick and Mortar
    125491843Greystone Branch420 Old Highway 280, Birmingham, AL 35242September 10, 2007Full Service Brick and Mortar
    129495182Jones Valley Branch1804 Four Mile Post Road Southeast, Huntsville, AL 35802November 24, 2006Full Service Brick and Mortar
    130495185Mountain Brook Branch2717 Culver Road, Suite A, Birmingham, AL 35233March 27, 2007Full Service Brick and Mortar
    132495189Hampton Cove Branch3001 Mountain Cove Boulevard, Owens Cross Roads, AL 35763November 26, 2007Full Service Brick and Mortar
    133495217Montgomery Branch6836 Atlanta Highway, Montgomery, AL 36117October 31, 2008Full Service Brick and Mortar
    134495218Pelham Branch101 Huntley Parkway, Pelham, AL 35124January 31, 2009Full Service Brick and Mortar
  • 32 Florida Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    5174350Suncoast Bank Branch8592 Potter Park Drive, Sarasota, FL 34238September 07, 1999Full Service Brick and Mortar
    52290880Messenger Service Branch8522 Potter Park Drive, Sarasota, FL 34238September 07, 1999Limited Service Messenger
    5336039717th Street Branch5292 17th Street, Sarasota, FL 34235June 04, 2001Full Service Brick and Mortar
    54452973Sr 64 Branch5115 Sr 64 East, Bradenton, FL 34208November 23, 2005Full Service Brick and Mortar
    65500344Tampa Branch4350 West Cypress Street, Tampa, FL 33607April 15, 2011Full Service Brick and Mortar
    8015259Bristol Branch10956 Nw State Road 20, Bristol, FL 32321May 01, 1975Full Service Brick and Mortar
    8138497Blountstown Branch20455 Central Avenue West, Blountstown, FL 32424August 31, 1987Full Service Brick and Mortar
    82253877Altha Branch25463 North Main Street, Altha, FL 32421June 30, 1999Full Service Brick and Mortar
    8443754Port St Joe Branch418 Cecil G Costin Sr Blvd, Port Saint Joe, FL 32456December 18, 1956Full Service Brick and Mortar
    85282602Apalachicola Branch58 Fourth Street, Apalachicola, FL 32320December 18, 1956Full Service Brick and Mortar
    87358865Sun City Branch4842 Sun City Center Boulevard, Sun City Center, FL 33573September 01, 2000Full Service Brick and Mortar
    88359227Barclay Branch14211 Powell Road, Brooksville, FL 34609December 15, 2000Full Service Brick and Mortar
    89359229Regency Crossing Branch8623 Regency Park Boulevard, Port Richey, FL 34668June 29, 2001Full Service Brick and Mortar
    90366268Wesley Chapel Branch1932 Bruce B. Downs Boulevard, Wesley Chapel, FL 33543January 02, 2003Full Service Brick and Mortar
    91429378Hernando/Hillsborough/pasco County M1300 Pinehurst Drive, Spring Hill, FL 34606June 01, 2004Limited Service Messenger
    92437804Spring Hill Branch1300 Pinehurst Drive, Spring Hill, FL 34606January 26, 2005Full Service Brick and Mortar
    93443975Trinity Branch4010 Little Road, New Port Richey, FL 34655August 18, 2005Full Service Brick and Mortar
    94444365Clearwater Office2440 Sunset Point Road, Clearwater, FL 33765August 29, 2005Full Service Brick and Mortar
    95452348Palm Harbor Office36301 Us Highway 19 North, Palm Harbor, FL 34684June 15, 2006Full Service Brick and Mortar
    11275136Sarasota Branch25 South Links Avenue, Sarasota, FL 34236October 04, 1999Full Service Brick and Mortar
    113425162Bradenton Branch3203 Manatee Avenue West, Bradenton, FL 34205January 06, 2004Full Service Brick and Mortar
    114425795Messenger Service Branch25 South Links Avenue, Sarasota, FL 34236May 27, 2003Limited Service Messenger
    117491830Marianna Branch2260 Hwy 71, Marianna, FL 32448November 05, 2007Full Service Brick and Mortar
    119491833Manatee Branch2207 Manatee Avenue West, Bradenton, FL 34205March 03, 2008Full Service Brick and Mortar
    120491838South Suncoast Branch4556 South Sun Boulevard, Homosassa, FL 34446December 28, 2007Full Service Brick and Mortar
    121491839Beverly Hills Branch3860 North Lecanto Hwy, Beverly Hills, FL 34465January 04, 2008Full Service Brick and Mortar
    122491840Dunnellon Branch11392 North Williams Street, Dunnellon, FL 34432January 07, 2008Full Service Brick and Mortar
    123491841Inverness Branch301 Us Hwy 41 South, Inverness, FL 34450December 31, 2007Full Service Brick and Mortar
    126491844Tallahassee Capital Circle Branch2721 Capital Circle Ne, Tallahassee, FL 32308August 17, 2007Full Service Brick and Mortar
    127495163Carrollwood Branch13246 North Dale Mabry Highway, Tampa, FL 33618August 31, 2006Full Service Brick and Mortar
    128495164Killearn Branch1276 Metropolitan Blvd Suite 101, Tallahassee, FL 32312September 12, 2006Full Service Brick and Mortar
    131495186Panama City Branch400 West 23rd Street, Panama City, FL 32405March 27, 2007Full Service Brick and Mortar
  • 2 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    58456663Blairsville Branch336 Blue Ridge Street, Blairsville, GA 30512November 14, 2006Full Service Brick and Mortar
    59456664Blue Ridge Branch2517 Appalachain Highway, Blue Ridge, GA 30513November 14, 2006Full Service Brick and Mortar
  • 19 Mississippi Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    1206359Hamilton BranchHighway 45 North, Hamilton, MS 39746October 29, 1957Full Service Brick and Mortar
    3206361Amory Branch110-114 North Third Street, Amory, MS 38821December 06, 1971Full Service Brick and Mortar
    4206362Aberdeen BranchEast Commerce Street, Aberdeen, MS 39730March 01, 1974Full Service Brick and Mortar
    7265Maben BranchSecond Avenue, Maben, MS 39750January 01, 1907Full Service Brick and Mortar
    83338Columbus Branch803 Main Street, Columbus, MS 39701May 19, 1913Full Service Brick and Mortar
    9206380Fairlane Branch246 Alabama Street, Columbus, MS 39701May 26, 1960Full Service Brick and Mortar
    11206382Brooksville BranchMain Street, Brooksville, MS 39739August 01, 1968Full Service Brick and Mortar
    14206363Medical And Industrial BranchHighway 278 And Boulevard Drive, Amory, MS 38821May 01, 1975Limited Service Facility
    15206364North Columbus Branch1516 U.S. Highway 45 North, Columbus, MS 39701March 23, 1977Limited Service Facility
    16206365University Branch606 Highway 12 East, Starkville, MS 39759November 15, 1978Limited Service Facility
    17206366Highway 45 North Branch302 Sthy 45, Aberdeen, MS 39730Febuary 27, 1979Limited Service Facility
    20206369Bluecutt Branch3601 Bluecutt Road, Columbus, MS 39701December 19, 1988Full Service Brick and Mortar
    217559Philadelphia Main Branch535 East Main Street, Philadelphia, MS 39350April 04, 1904Full Service Brick and Mortar
    26206371Starkville Crossing Branch818 Highway 12 West, Starkville, MS 39759August 17, 1992Full Service Brick and Mortar
    27206372Westside Branch1017 West Beacon Street, Philadelphia, MS 39350January 31, 1996Full Service Brick and Mortar
    283343Commerce Street Branch107 Commerce Street, West Point, MS 39773January 01, 1872Full Service Brick and Mortar
    29206398Highway 45 BranchU.S. Highway 45 South And West Broad Street, West Point, MS 39773August 28, 1969Limited Service Facility
    30206399East Main Street Branch1120 East Main Street, West Point, MS 39773October 20, 1977Limited Service Facility
    43271911Center Road Branch58 Center Road, Columbus, MS 39702April 01, 1998Limited Service Facility
  • 8 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    4545784Crescent Center Branch6075 Poplar Avenue, Suite 120, Memphis, TN 38119March 14, 1990Full Service Brick and Mortar
    46289057Poplar/Mendenhall Branch571 South Mendenhall, Memphis, TN 38117September 13, 1996Full Service Brick and Mortar
    47289058Germantown Branch7878 Farmington Blvd, Germantown, TN 38138March 25, 1999Full Service Brick and Mortar
    48361985Data Center Branch2926 Ridgeway, Memphis, TN 38115March 31, 1999Limited Service Administrative
    50453671Brentwood Branch93 Seaboard Lane, Brentwood, TN 37027March 28, 2006Full Service Brick and Mortar
    55455394Union Avenue Branch1516 Union Avenue, Memphis, TN 38104August 21, 2006Full Service Brick and Mortar
    60457061Court Square Office Branch119 South Court Avenue, Memphis, TN 38103October 23, 2006Full Service Brick and Mortar
    61468297Franklin Branch198 East Main Street, Franklin, TN 37064September 04, 2007Full Service Brick and Mortar
  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    64527029Post Oak Branch2800 Post Oak Blvd, Suite 3800, Houston, TX 77056November 03, 2011Full Service Brick and Mortar

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