Cadence Bank, N.A.

Cadence Bank, N.A. is headquartered in Birmingham and is the 3^rd largest bank in the state of Alabama. It is also the 205^th largest bank in the nation. It was established in 1887 and as of December of 2011, it had grown to 1,227 employees at 112 locations. Cadence Bank, N.A. has a 4-star health rating.

Data for Q4 2011

Institution Statistics Cadence Bank, N.A. FDIC Certificate # 4999 BankRate Report View Year Established 1887 Employees 1227 Primary Regulator OCC Assets and Liabilities Assets $3.91 billion Loans $2.36 billion Deposits $3.12 billion Equity Capital $621.95 million Loan Loss Allowance $16.02 million Unbacked Noncurrent Loans $298.50 million Real Estate Owned $9.82 million Historic Data - December 2010 Assets $1.58 billion Equity Capital $106.55 million Loan Loss Allowance $36.90 million Unbacked Noncurrent Loans $90.86 million Real Estate Owned $29.84 million Profit Margin - Quarterly Net Interest Margin 5.41% Return on Assets 0.19% Return on Equity 1.32% Interest Income $153.90 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Cadence Bank, N.A. had $308.32 million in non-current loans and owned real-estate with $637.97 million in equity and loan loss allowances on hand to cover it. This gives Cadence Bank, N.A. a Texas Ratio of 48.33% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Cadence Bank, N.A. decreased significantly from 83.67% as of December 31, 2010 to 48.33% as of December 31, 2011, resulting in a positive change of 42.24%.This indicates that the balance sheet and financial strength for Cadence Bank, N.A. has improved significantly in recent periods. Deposit Growth In the past year, Cadence Bank, N.A. has increased its total deposits by $1.82 billion, resulting in 139.04% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Cadence Bank, N.A. has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Cadence Bank, N.A. has $3.91 billion in assets with $637.97 million in equity, resulting in a capitalization level of 16.32%, which is excellent.

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