Call reports 2009
FROST BANK — 2009
What FROST BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 15,375,671,000 | 15,839,094,000 | 16,214,819,000 | 16,343,663,000 |
| Total loans | 8,785,642,000 | 8,650,914,000 | 8,527,800,000 | 8,381,756,000 |
| Allowance for loan losses | 113,354,000 | 121,099,000 | 123,122,000 | 125,309,000 |
| Securities available for sale | 3,961,916,000 | 4,280,175,000 | 4,484,214,000 | 4,846,222,000 |
| Securities held to maturity | 6,761,000 | 6,589,000 | 6,355,000 | 6,119,000 |
| Trading assets | 88,773,000 | 71,794,000 | 73,546,000 | 67,017,000 |
| Total deposits | 12,111,580,000 | 12,590,785,000 | 13,020,868,000 | 13,399,159,000 |
| Interest-bearing deposits | 7,787,173,000 | 8,146,483,000 | 8,498,102,000 | 8,667,050,000 |
| Noninterest-bearing deposits | 4,324,407,000 | 4,444,302,000 | 4,522,766,000 | 4,732,109,000 |
| Equity capital | 1,966,527,000 | 1,949,578,000 | 2,025,385,000 | 2,012,103,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 154,764,000 | 312,822,000 | 469,199,000 | 626,355,000 |
| Interest expense | 21,185,000 | 40,695,000 | 58,962,000 | 73,395,000 |
| Net interest income | 133,579,000 | 272,127,000 | 410,237,000 | 552,960,000 |
| Noninterest income | 68,452,000 | 134,830,000 | 202,446,000 | 285,876,000 |
| Noninterest expense | 127,665,000 | 261,798,000 | 392,063,000 | 522,278,000 |
| Provision for loan losses | 9,601,000 | 26,202,000 | 43,142,000 | 65,392,000 |
| Pretax income | 64,765,000 | 119,006,000 | 177,527,000 | 249,906,000 |
| Income tax | 17,408,000 | 31,088,000 | 42,825,000 | 61,705,000 |
| Net income | 47,357,000 | 87,918,000 | 134,702,000 | 188,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,269,149,000 | 1,287,780,000 | 1,287,585,000 | 1,318,882,000 |
| Total capital | 1,443,317,000 | 1,470,281,000 | 1,440,707,000 | 1,474,191,000 |
| Risk-weighted assets | 11,666,349,000 | 11,621,539,000 | 11,328,156,000 | 11,203,021,000 |