Call reports 2005
FROST BANK — 2005
What FROST BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 9,881,168,000 | 9,998,568,000 | 10,334,036,000 | 11,815,769,000 |
| Total loans | 5,411,788,000 | 5,591,635,000 | 5,711,657,000 | 6,092,484,000 |
| Allowance for loan losses | 75,547,000 | 76,058,000 | 75,782,000 | 78,434,000 |
| Securities available for sale | 2,944,234,000 | 2,797,436,000 | 2,639,978,000 | 3,031,706,000 |
| Securities held to maturity | 15,700,000 | 14,726,000 | 13,697,000 | 12,712,000 |
| Trading assets | 8,658,000 | 11,626,000 | 14,265,000 | 9,671,000 |
| Total deposits | 8,179,355,000 | 8,202,227,000 | 8,479,187,000 | 9,364,321,000 |
| Interest-bearing deposits | 5,083,076,000 | 5,009,785,000 | 5,080,974,000 | 5,662,328,000 |
| Noninterest-bearing deposits | 3,096,279,000 | 3,192,442,000 | 3,398,213,000 | 3,701,992,000 |
| Equity capital | 849,389,000 | 902,364,000 | 904,886,000 | 918,006,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 113,566,000 | 234,526,000 | 365,381,000 | 512,544,000 |
| Interest expense | 19,592,000 | 42,544,000 | 70,293,000 | 106,075,000 |
| Net interest income | 93,974,000 | 191,982,000 | 295,088,000 | 406,469,000 |
| Noninterest income | 56,757,000 | 113,014,000 | 169,904,000 | 224,422,000 |
| Noninterest expense | 89,197,000 | 177,268,000 | 267,924,000 | 362,151,000 |
| Provision for loan losses | 2,400,000 | 4,575,000 | 7,300,000 | 10,250,000 |
| Pretax income | 59,134,000 | 123,153,000 | 189,768,000 | 258,509,000 |
| Income tax | 19,503,000 | 40,690,000 | 62,452,000 | 85,226,000 |
| Net income | 39,631,000 | 82,463,000 | 127,316,000 | 173,283,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 757,291,000 | 783,420,000 | 807,659,000 | 761,521,000 |
| Total capital | 983,829,000 | 1,010,523,000 | 1,034,776,000 | 991,846,000 |
| Risk-weighted assets | 7,325,830,000 | 7,601,808,000 | 7,843,648,000 | 8,518,995,000 |