Call reports 2003
FROST BANK — 2003
What FROST BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 9,836,447,000 | 10,052,069,000 | 9,700,689,000 | 9,711,224,000 |
| Total loans | 4,516,360,000 | 4,470,273,000 | 4,533,335,000 | 4,593,674,000 |
| Allowance for loan losses | 81,537,000 | 81,789,000 | 82,546,000 | 82,599,000 |
| Securities available for sale | 2,551,343,000 | 2,644,897,000 | 2,798,249,000 | 2,906,532,000 |
| Securities held to maturity | 33,833,000 | 30,752,000 | 27,619,000 | 25,110,000 |
| Trading assets | 0 | 4,643,000 | 3,047,000 | 5,589,000 |
| Total deposits | 7,802,309,000 | 7,954,363,000 | 7,827,049,000 | 8,165,697,000 |
| Interest-bearing deposits | 4,563,332,000 | 4,519,667,000 | 4,512,634,000 | 4,925,400,000 |
| Noninterest-bearing deposits | 3,238,977,000 | 3,434,696,000 | 3,314,415,000 | 3,240,297,000 |
| Equity capital | 782,164,000 | 808,720,000 | 808,532,000 | 801,720,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 94,320,000 | 188,452,000 | 278,908,000 | 371,481,000 |
| Interest expense | 13,577,000 | 26,278,000 | 36,624,000 | 47,035,000 |
| Net interest income | 80,743,000 | 162,174,000 | 242,284,000 | 324,446,000 |
| Noninterest income | 50,805,000 | 104,481,000 | 156,209,000 | 207,962,000 |
| Noninterest expense | 78,416,000 | 155,774,000 | 235,010,000 | 314,556,000 |
| Provision for loan losses | 3,600,000 | 7,046,000 | 9,044,000 | 10,544,000 |
| Pretax income | 49,532,000 | 103,835,000 | 154,479,000 | 207,348,000 |
| Income tax | 16,249,000 | 34,013,000 | 50,743,000 | 68,298,000 |
| Net income | 33,283,000 | 69,822,000 | 103,736,000 | 139,050,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 623,035,000 | 644,343,000 | 662,712,000 | 664,619,000 |
| Total capital | 847,958,000 | 870,830,000 | 891,082,000 | 894,606,000 |
| Risk-weighted assets | 6,076,725,000 | 6,112,077,000 | 6,264,577,000 | 6,395,437,000 |