Call reports 2002
FROST BANK — 2002
What FROST BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 8,108,185,000 | 8,267,905,000 | 8,799,600,000 | 9,603,781,000 |
| Total loans | 4,569,813,000 | 4,508,808,000 | 4,575,211,000 | 4,524,465,000 |
| Allowance for loan losses | 75,461,000 | 76,986,000 | 79,906,000 | 81,315,000 |
| Securities available for sale | 1,991,275,000 | 2,035,113,000 | 2,087,120,000 | 2,382,711,000 |
| Securities held to maturity | 46,669,000 | 42,816,000 | 39,315,000 | 37,166,000 |
| Trading assets | 646,000 | 0 | 374,000 | 4,995,000 |
| Total deposits | 6,845,513,000 | 6,902,155,000 | 7,358,894,000 | 7,713,377,000 |
| Interest-bearing deposits | 4,396,207,000 | 4,310,608,000 | 4,348,772,000 | 4,399,091,000 |
| Noninterest-bearing deposits | 2,449,306,000 | 2,591,547,000 | 3,010,122,000 | 3,314,286,000 |
| Equity capital | 672,819,000 | 708,840,000 | 745,039,000 | 755,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 97,594,000 | 196,367,000 | 294,887,000 | 392,464,000 |
| Interest expense | 18,517,000 | 35,420,000 | 52,456,000 | 67,860,000 |
| Net interest income | 79,077,000 | 160,947,000 | 242,431,000 | 324,604,000 |
| Noninterest income | 47,891,000 | 98,267,000 | 147,697,000 | 194,705,000 |
| Noninterest expense | 74,033,000 | 148,042,000 | 222,631,000 | 298,761,000 |
| Provision for loan losses | 6,800,000 | 12,196,000 | 18,046,000 | 22,546,000 |
| Pretax income | 46,135,000 | 99,064,000 | 149,539,000 | 198,090,000 |
| Income tax | 15,068,000 | 32,441,000 | 49,063,000 | 65,044,000 |
| Net income | 31,067,000 | 66,623,000 | 100,476,000 | 133,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 566,180,000 | 569,680,000 | 587,145,000 | 589,995,000 |
| Total capital | 785,995,000 | 789,852,000 | 809,838,000 | 814,690,000 |
| Risk-weighted assets | 5,680,409,000 | 5,704,967,000 | 5,903,510,000 | 6,061,857,000 |