Call reports 2008
FROST BANK — 2008
What FROST BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 13,886,593,000 | 13,796,772,000 | 14,136,313,000 | 15,112,135,000 |
| Total loans | 8,035,373,000 | 8,376,320,000 | 8,605,240,000 | 8,845,409,000 |
| Allowance for loan losses | 92,094,000 | 94,262,000 | 106,322,000 | 109,106,000 |
| Securities available for sale | 3,274,646,000 | 3,182,674,000 | 3,132,787,000 | 3,516,944,000 |
| Securities held to maturity | 7,779,000 | 7,425,000 | 7,151,000 | 6,955,000 |
| Trading assets | 55,300,000 | 61,779,000 | 60,477,000 | 107,704,000 |
| Total deposits | 10,825,159,000 | 10,757,727,000 | 10,732,912,000 | 11,640,709,000 |
| Interest-bearing deposits | 6,936,914,000 | 6,822,715,000 | 6,801,576,000 | 7,356,690,000 |
| Noninterest-bearing deposits | 3,888,245,000 | 3,935,012,000 | 3,931,336,000 | 4,284,019,000 |
| Equity capital | 1,743,487,000 | 1,690,929,000 | 1,746,594,000 | 1,903,036,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 176,444,000 | 343,058,000 | 510,559,000 | 678,883,000 |
| Interest expense | 42,568,000 | 74,205,000 | 103,360,000 | 129,635,000 |
| Net interest income | 133,876,000 | 268,853,000 | 407,199,000 | 549,248,000 |
| Noninterest income | 68,086,000 | 134,390,000 | 206,066,000 | 271,637,000 |
| Noninterest expense | 117,059,000 | 233,330,000 | 352,354,000 | 472,419,000 |
| Provision for loan losses | 4,005,000 | 10,333,000 | 29,273,000 | 37,823,000 |
| Pretax income | 80,850,000 | 159,476,000 | 231,612,000 | 310,484,000 |
| Income tax | 25,371,000 | 49,919,000 | 72,384,000 | 96,431,000 |
| Net income | 55,479,000 | 109,557,000 | 159,228,000 | 214,053,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,134,196,000 | 1,162,356,000 | 1,185,705,000 | 1,222,108,000 |
| Total capital | 1,316,694,000 | 1,346,876,000 | 1,352,814,000 | 1,392,352,000 |
| Risk-weighted assets | 10,986,872,000 | 11,257,235,000 | 11,405,417,000 | 11,823,157,000 |