Call reports 2007
FROST BANK — 2007
What FROST BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 13,233,076,000 | 13,079,796,000 | 13,288,550,000 | 13,632,996,000 |
| Total loans | 7,475,358,000 | 7,429,758,000 | 7,482,970,000 | 7,792,727,000 |
| Allowance for loan losses | 95,017,000 | 95,899,000 | 91,809,000 | 92,086,000 |
| Securities available for sale | 3,074,426,000 | 3,121,153,000 | 3,408,795,000 | 3,369,396,000 |
| Securities held to maturity | 9,616,000 | 9,078,000 | 8,559,000 | 8,133,000 |
| Trading assets | 20,803,000 | 19,761,000 | 22,360,000 | 37,037,000 |
| Total deposits | 10,352,914,000 | 10,316,481,000 | 10,226,766,000 | 10,679,570,000 |
| Interest-bearing deposits | 6,701,836,000 | 6,664,801,000 | 6,493,092,000 | 6,931,787,000 |
| Noninterest-bearing deposits | 3,651,078,000 | 3,651,681,000 | 3,733,674,000 | 3,747,783,000 |
| Equity capital | 1,546,343,000 | 1,536,264,000 | 1,565,511,000 | 1,644,896,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 193,420,000 | 387,289,000 | 583,001,000 | 772,188,000 |
| Interest expense | 60,747,000 | 121,013,000 | 181,747,000 | 235,807,000 |
| Net interest income | 132,673,000 | 266,276,000 | 401,254,000 | 536,381,000 |
| Noninterest income | 64,014,000 | 125,749,000 | 190,416,000 | 254,017,000 |
| Noninterest expense | 113,491,000 | 223,367,000 | 332,548,000 | 443,700,000 |
| Provision for loan losses | 2,650,000 | 5,300,000 | 11,084,000 | 14,660,000 |
| Pretax income | 80,546,000 | 163,358,000 | 248,038,000 | 332,053,000 |
| Income tax | 26,773,000 | 53,523,000 | 80,538,000 | 107,294,000 |
| Net income | 53,773,000 | 109,835,000 | 167,500,000 | 224,759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,044,499,000 | 1,074,685,000 | 1,075,991,000 | 1,105,967,000 |
| Total capital | 1,260,643,000 | 1,290,756,000 | 1,258,254,000 | 1,288,306,000 |
| Risk-weighted assets | 10,063,204,000 | 10,141,038,000 | 10,222,909,000 | 10,739,721,000 |