Call reports 2016
FROST BANK — 2016
What FROST BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 28,467,954,000 | 29,003,688,000 | 29,633,441,000 | 30,223,311,000 |
| Total loans | 11,542,039,000 | 11,583,730,000 | 11,581,845,000 | 11,974,361,000 |
| Allowance for loan losses | 161,880,000 | 149,714,000 | 149,773,000 | 153,045,000 |
| Securities available for sale | 9,024,760,000 | 10,001,556,000 | 10,120,342,000 | 10,160,784,000 |
| Securities held to maturity | 2,368,019,000 | 2,339,602,000 | 2,264,460,000 | 2,250,460,000 |
| Trading assets | 83,877,000 | 97,632,000 | 85,557,000 | 51,603,000 |
| Total deposits | 24,253,057,000 | 24,337,632,000 | 25,157,446,000 | 25,881,842,000 |
| Interest-bearing deposits | 14,507,042,000 | 14,508,064,000 | 14,827,457,000 | 15,298,206,000 |
| Noninterest-bearing deposits | 9,746,015,000 | 9,829,568,000 | 10,329,989,000 | 10,583,636,000 |
| Equity capital | 3,018,800,000 | 3,158,832,000 | 3,137,687,000 | 2,941,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 193,560,000 | 388,788,000 | 588,245,000 | 794,847,000 |
| Interest expense | 1,853,000 | 3,688,000 | 5,487,000 | 7,485,000 |
| Net interest income | 191,707,000 | 385,100,000 | 582,758,000 | 787,362,000 |
| Noninterest income | 80,337,000 | 156,573,000 | 236,623,000 | 327,777,000 |
| Noninterest expense | 177,413,000 | 354,704,000 | 533,466,000 | 725,752,000 |
| Provision for loan losses | 28,500,000 | 37,689,000 | 42,734,000 | 51,673,000 |
| Pretax income | 81,034,000 | 164,183,000 | 258,047,000 | 352,689,000 |
| Income tax | 10,963,000 | 21,066,000 | 33,728,000 | 43,881,000 |
| Net income | 70,071,000 | 143,117,000 | 224,319,000 | 308,808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,168,632,000 | 2,207,967,000 | 2,252,729,000 | 2,296,480,000 |
| Total capital | 2,330,512,000 | 2,357,681,000 | 2,402,502,000 | 2,449,525,000 |
| Risk-weighted assets | 17,048,697,000 | 17,306,803,000 | 17,342,334,000 | 17,823,609,000 |