Call reports 2006
FROST BANK — 2006
What FROST BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 11,285,535,000 | 11,455,216,000 | 11,708,539,000 | 13,306,861,000 |
| Total loans | 6,300,484,000 | 6,590,730,000 | 6,532,236,000 | 7,388,965,000 |
| Allowance for loan losses | 80,269,000 | 84,888,000 | 85,027,000 | 96,057,000 |
| Securities available for sale | 2,900,350,000 | 2,782,767,000 | 2,744,598,000 | 3,302,668,000 |
| Securities held to maturity | 11,970,000 | 11,358,000 | 10,635,000 | 10,106,000 |
| Trading assets | 7,859,000 | 11,041,000 | 15,562,000 | 16,659,000 |
| Total deposits | 9,189,032,000 | 9,273,338,000 | 9,471,925,000 | 10,609,683,000 |
| Interest-bearing deposits | 5,689,551,000 | 5,742,425,000 | 5,889,600,000 | 6,683,622,000 |
| Noninterest-bearing deposits | 3,499,482,000 | 3,530,913,000 | 3,582,325,000 | 3,926,061,000 |
| Equity capital | 949,219,000 | 1,032,993,000 | 1,108,960,000 | 1,511,356,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 155,613,000 | 327,239,000 | 504,387,000 | 687,234,000 |
| Interest expense | 40,970,000 | 89,988,000 | 144,548,000 | 201,589,000 |
| Net interest income | 114,643,000 | 237,251,000 | 359,839,000 | 485,645,000 |
| Noninterest income | 58,960,000 | 115,640,000 | 173,123,000 | 229,186,000 |
| Noninterest expense | 97,493,000 | 196,299,000 | 297,463,000 | 400,514,000 |
| Provision for loan losses | 3,794,000 | 9,039,000 | 10,750,000 | 14,150,000 |
| Pretax income | 72,316,000 | 147,552,000 | 224,748,000 | 300,166,000 |
| Income tax | 23,858,000 | 48,817,000 | 74,191,000 | 98,376,000 |
| Net income | 48,458,000 | 98,735,000 | 150,557,000 | 201,790,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 796,341,000 | 850,263,000 | 878,021,000 | 1,018,498,000 |
| Total capital | 1,028,894,000 | 1,085,815,000 | 1,083,688,000 | 1,234,583,000 |
| Risk-weighted assets | 8,595,056,000 | 8,877,002,000 | 8,959,886,000 | 9,919,438,000 |