Call reports 2004
FROST BANK — 2004
What FROST BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 10,045,063,000 | 9,595,562,000 | 9,882,627,000 | 9,998,202,000 |
| Total loans | 4,733,666,000 | 4,962,648,000 | 5,057,978,000 | 5,178,445,000 |
| Allowance for loan losses | 80,073,000 | 77,980,000 | 76,622,000 | 75,223,000 |
| Securities available for sale | 3,192,646,000 | 2,895,487,000 | 2,865,842,000 | 2,928,941,000 |
| Securities held to maturity | 23,154,000 | 19,458,000 | 17,938,000 | 16,728,000 |
| Trading assets | 3,549,000 | 4,293,000 | 7,094,000 | 8,815,000 |
| Total deposits | 7,985,086,000 | 8,111,002,000 | 8,028,234,000 | 8,330,616,000 |
| Interest-bearing deposits | 4,765,845,000 | 4,803,092,000 | 4,924,133,000 | 5,139,080,000 |
| Noninterest-bearing deposits | 3,219,241,000 | 3,307,910,000 | 3,104,101,000 | 3,191,536,000 |
| Equity capital | 833,484,000 | 787,275,000 | 854,234,000 | 859,623,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 92,103,000 | 187,498,000 | 288,174,000 | 396,443,000 |
| Interest expense | 10,531,000 | 21,104,000 | 34,165,000 | 50,763,000 |
| Net interest income | 81,572,000 | 166,394,000 | 254,009,000 | 345,680,000 |
| Noninterest income | 57,536,000 | 111,715,000 | 167,604,000 | 220,775,000 |
| Noninterest expense | 83,666,000 | 167,442,000 | 252,854,000 | 338,037,000 |
| Provision for loan losses | 500,000 | 2,500,000 | 2,500,000 | 2,500,000 |
| Pretax income | 53,203,000 | 106,428,000 | 162,882,000 | 222,541,000 |
| Income tax | 17,582,000 | 35,121,000 | 53,701,000 | 73,561,000 |
| Net income | 35,621,000 | 71,307,000 | 109,181,000 | 148,980,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 683,674,000 | 702,529,000 | 716,554,000 | 736,492,000 |
| Total capital | 916,260,000 | 933,014,000 | 943,669,000 | 962,302,000 |
| Risk-weighted assets | 6,629,257,000 | 6,678,837,000 | 6,871,474,000 | 7,136,573,000 |