Call reports 2014
FROST BANK — 2014
What FROST BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 24,704,768,000 | 26,569,699,000 | 27,397,423,000 | 28,327,456,000 |
| Total loans | 9,750,644,000 | 10,681,149,000 | 10,746,843,000 | 10,987,006,000 |
| Allowance for loan losses | 95,156,000 | 98,286,000 | 98,312,000 | 99,542,000 |
| Securities available for sale | 5,446,474,000 | 6,279,930,000 | 6,868,654,000 | 8,418,884,000 |
| Securities held to maturity | 3,082,081,000 | 3,065,867,000 | 2,942,012,000 | 2,926,486,000 |
| Trading assets | 70,615,000 | 71,020,000 | 64,655,000 | 89,554,000 |
| Total deposits | 21,122,082,000 | 22,594,107,000 | 23,543,921,000 | 24,219,048,000 |
| Interest-bearing deposits | 12,448,329,000 | 13,009,925,000 | 13,327,034,000 | 13,976,691,000 |
| Noninterest-bearing deposits | 8,673,753,000 | 9,584,182,000 | 10,216,887,000 | 10,242,356,000 |
| Equity capital | 2,433,890,000 | 2,706,869,000 | 2,753,683,000 | 2,783,200,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 164,653,000 | 337,015,000 | 520,207,000 | 704,677,000 |
| Interest expense | 2,605,000 | 5,108,000 | 8,149,000 | 11,105,000 |
| Net interest income | 162,048,000 | 331,907,000 | 512,058,000 | 693,572,000 |
| Noninterest income | 74,912,000 | 150,639,000 | 228,222,000 | 308,284,000 |
| Noninterest expense | 156,047,000 | 313,049,000 | 475,102,000 | 642,532,000 |
| Provision for loan losses | 6,600,000 | 11,524,000 | 11,914,000 | 16,314,000 |
| Pretax income | 74,313,000 | 157,973,000 | 253,297,000 | 343,046,000 |
| Income tax | 13,066,000 | 28,056,000 | 46,188,000 | 62,959,000 |
| Net income | 61,247,000 | 129,917,000 | 207,109,000 | 280,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,758,734,000 | 1,889,304,000 | 1,939,772,000 | 1,987,358,000 |
| Total capital | 1,853,890,000 | 1,987,590,000 | 2,038,084,000 | 2,086,900,000 |
| Risk-weighted assets | 13,929,130,000 | 15,050,418,000 | 15,344,136,000 | 15,971,687,000 |