Call reports 2013
FROST BANK — 2013
What FROST BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 22,543,869,000 | 22,576,046,000 | 23,545,565,000 | 24,372,376,000 |
| Total loans | 9,162,922,000 | 9,225,564,000 | 9,305,195,000 | 9,516,646,000 |
| Allowance for loan losses | 93,589,000 | 93,400,000 | 93,147,000 | 92,438,000 |
| Securities available for sale | 5,821,626,000 | 5,997,472,000 | 5,533,882,000 | 5,859,465,000 |
| Securities held to maturity | 3,068,008,000 | 3,166,692,000 | 3,156,146,000 | 3,139,748,000 |
| Trading assets | 82,488,000 | 71,722,000 | 69,338,000 | 69,867,000 |
| Total deposits | 19,127,886,000 | 19,121,222,000 | 20,027,898,000 | 20,780,840,000 |
| Interest-bearing deposits | 11,368,203,000 | 11,333,543,000 | 11,877,364,000 | 12,375,298,000 |
| Noninterest-bearing deposits | 7,759,683,000 | 7,787,679,000 | 8,150,534,000 | 8,405,542,000 |
| Equity capital | 2,395,562,000 | 2,363,019,000 | 2,379,548,000 | 2,400,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 159,713,000 | 320,076,000 | 482,186,000 | 647,208,000 |
| Interest expense | 4,051,000 | 7,974,000 | 11,542,000 | 14,638,000 |
| Net interest income | 155,662,000 | 312,102,000 | 470,644,000 | 632,570,000 |
| Noninterest income | 74,964,000 | 144,654,000 | 216,040,000 | 290,728,000 |
| Noninterest expense | 152,590,000 | 300,010,000 | 449,169,000 | 601,622,000 |
| Provision for loan losses | 6,000,000 | 9,575,000 | 14,683,000 | 20,582,000 |
| Pretax income | 72,041,000 | 147,182,000 | 222,829,000 | 302,270,000 |
| Income tax | 15,198,000 | 29,412,000 | 43,270,000 | 59,520,000 |
| Net income | 56,843,000 | 117,770,000 | 179,559,000 | 242,750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,646,462,000 | 1,674,123,000 | 1,701,979,000 | 1,726,740,000 |
| Total capital | 1,740,051,000 | 1,767,523,000 | 1,795,126,000 | 1,819,178,000 |
| Risk-weighted assets | 12,738,057,000 | 13,052,485,000 | 13,216,580,000 | 13,594,831,000 |