Call reports 2015
FROST BANK — 2015
What FROST BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 28,186,198,000 | 27,799,943,000 | 28,393,513,000 | 28,595,564,000 |
| Total loans | 11,212,542,000 | 11,398,565,000 | 11,358,843,000 | 11,486,553,000 |
| Allowance for loan losses | 105,708,000 | 106,607,000 | 110,373,000 | 135,859,000 |
| Securities available for sale | 8,630,093,000 | 8,601,174,000 | 8,930,251,000 | 9,163,911,000 |
| Securities held to maturity | 2,817,511,000 | 2,795,676,000 | 2,677,485,000 | 2,663,009,000 |
| Trading assets | 98,401,000 | 70,615,000 | 85,080,000 | 68,770,000 |
| Total deposits | 24,207,022,000 | 23,893,949,000 | 24,430,319,000 | 24,396,006,000 |
| Interest-bearing deposits | 14,117,685,000 | 13,681,897,000 | 13,853,538,000 | 14,073,362,000 |
| Noninterest-bearing deposits | 10,089,337,000 | 10,212,052,000 | 10,576,781,000 | 10,322,644,000 |
| Equity capital | 2,845,459,000 | 2,813,639,000 | 2,911,695,000 | 2,912,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 185,253,000 | 372,591,000 | 564,077,000 | 754,619,000 |
| Interest expense | 2,806,000 | 5,042,000 | 7,232,000 | 9,246,000 |
| Net interest income | 182,447,000 | 367,549,000 | 556,845,000 | 745,373,000 |
| Noninterest income | 81,456,000 | 158,787,000 | 240,359,000 | 321,227,000 |
| Noninterest expense | 169,501,000 | 340,284,000 | 514,603,000 | 686,533,000 |
| Provision for loan losses | 8,162,000 | 11,035,000 | 17,845,000 | 51,845,000 |
| Pretax income | 86,468,000 | 175,245,000 | 264,932,000 | 328,291,000 |
| Income tax | 13,358,000 | 27,525,000 | 41,020,000 | 45,945,000 |
| Net income | 73,110,000 | 147,720,000 | 223,912,000 | 282,346,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,018,046,000 | 2,064,681,000 | 2,111,113,000 | 2,131,360,000 |
| Total capital | 2,123,754,000 | 2,171,288,000 | 2,221,486,000 | 2,267,219,000 |
| Risk-weighted assets | 16,890,691,000 | 17,020,365,000 | 17,047,482,000 | 17,416,146,000 |