Call reports 2018
FROST BANK — 2018
What FROST BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 31,548,615,000 | 30,754,455,000 | 31,332,699,000 | 32,355,408,000 |
| Total loans | 13,364,030,000 | 13,712,582,000 | 13,814,838,000 | 14,099,733,000 |
| Allowance for loan losses | 149,885,000 | 150,226,000 | 137,578,000 | 132,132,000 |
| Securities available for sale | 10,493,946,000 | 10,675,128,000 | 11,135,940,000 | 11,344,631,000 |
| Securities held to maturity | 1,247,154,000 | 1,236,511,000 | 1,111,762,000 | 1,106,057,000 |
| Trading assets | 59,155,000 | 70,398,000 | 73,708,000 | 70,646,000 |
| Total deposits | 26,884,479,000 | 26,090,903,000 | 26,480,901,000 | 27,238,210,000 |
| Interest-bearing deposits | 15,743,617,000 | 15,470,501,000 | 15,508,341,000 | 16,151,710,000 |
| Noninterest-bearing deposits | 11,140,862,000 | 10,620,402,000 | 10,972,560,000 | 11,086,500,000 |
| Equity capital | 3,180,183,000 | 3,230,670,000 | 3,215,299,000 | 3,354,498,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 244,072,000 | 502,995,000 | 772,606,000 | 1,054,552,000 |
| Interest expense | 11,417,000 | 29,782,000 | 54,878,000 | 85,186,000 |
| Net interest income | 232,655,000 | 473,213,000 | 717,728,000 | 969,366,000 |
| Noninterest income | 90,444,000 | 174,717,000 | 261,454,000 | 346,498,000 |
| Noninterest expense | 194,692,000 | 380,800,000 | 572,960,000 | 769,502,000 |
| Provision for loan losses | 6,945,000 | 15,196,000 | 17,846,000 | 21,613,000 |
| Pretax income | 121,443,000 | 251,855,000 | 388,263,000 | 524,593,000 |
| Income tax | 12,312,000 | 27,707,000 | 44,061,000 | 58,800,000 |
| Net income | 109,131,000 | 224,148,000 | 344,202,000 | 465,793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,560,828,000 | 2,621,188,000 | 2,683,196,000 | 2,743,973,000 |
| Total capital | 2,711,213,000 | 2,771,914,000 | 2,821,274,000 | 2,876,605,000 |
| Risk-weighted assets | 20,313,769,000 | 20,892,034,000 | 21,100,678,000 | 21,469,817,000 |