Call reports 2017
FROST BANK — 2017
What FROST BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 30,552,661,000 | 30,227,278,000 | 31,028,791,000 | 31,797,038,000 |
| Total loans | 12,185,132,000 | 12,512,393,000 | 12,704,811,000 | 13,141,044,000 |
| Allowance for loan losses | 153,056,000 | 149,558,000 | 154,303,000 | 155,364,000 |
| Securities available for sale | 10,569,988,000 | 10,741,217,000 | 10,142,562,000 | 10,446,448,000 |
| Securities held to maturity | 1,640,255,000 | 1,596,262,000 | 1,442,222,000 | 1,432,098,000 |
| Trading assets | 46,683,000 | 59,308,000 | 46,939,000 | 56,932,000 |
| Total deposits | 26,201,624,000 | 25,665,873,000 | 26,459,062,000 | 26,945,665,000 |
| Interest-bearing deposits | 15,232,749,000 | 14,906,208,000 | 15,229,365,000 | 15,675,179,000 |
| Noninterest-bearing deposits | 10,968,875,000 | 10,759,665,000 | 11,229,697,000 | 11,270,486,000 |
| Equity capital | 3,004,102,000 | 3,114,574,000 | 3,180,497,000 | 3,267,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 213,147,000 | 433,939,000 | 663,448,000 | 899,266,000 |
| Interest expense | 2,035,000 | 4,437,000 | 10,749,000 | 19,033,000 |
| Net interest income | 211,112,000 | 429,502,000 | 652,699,000 | 880,233,000 |
| Noninterest income | 82,113,000 | 161,826,000 | 246,480,000 | 335,105,000 |
| Noninterest expense | 186,149,000 | 372,189,000 | 557,775,000 | 752,856,000 |
| Provision for loan losses | 7,952,000 | 16,378,000 | 27,358,000 | 35,460,000 |
| Pretax income | 99,124,000 | 202,711,000 | 309,129,000 | 422,081,000 |
| Income tax | 12,989,000 | 28,810,000 | 40,564,000 | 50,976,000 |
| Net income | 86,135,000 | 173,901,000 | 268,565,000 | 371,105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,347,446,000 | 2,401,554,000 | 2,461,004,000 | 2,518,998,000 |
| Total capital | 2,500,502,000 | 2,551,112,000 | 2,615,307,000 | 2,674,790,000 |
| Risk-weighted assets | 18,164,764,000 | 18,564,033,000 | 18,896,120,000 | 19,489,788,000 |