Call reports 2019
FROST BANK — 2019
What FROST BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 31,709,591,000 | 31,882,004,000 | 33,171,611,000 | 34,105,305,000 |
| Total loans | 14,408,006,000 | 14,459,159,000 | 14,634,922,000 | 14,750,317,000 |
| Allowance for loan losses | 136,350,000 | 134,929,000 | 136,559,000 | 132,167,000 |
| Securities available for sale | 11,971,229,000 | 12,236,733,000 | 12,377,621,000 | 11,226,725,000 |
| Securities held to maturity | 1,077,279,000 | 1,035,299,000 | 1,020,838,000 | 2,030,005,000 |
| Trading assets | 66,150,000 | 84,663,000 | 100,053,000 | 80,751,000 |
| Total deposits | 26,360,529,000 | 26,083,186,000 | 27,242,382,000 | 27,719,138,000 |
| Interest-bearing deposits | 16,166,005,000 | 15,848,586,000 | 16,333,338,000 | 16,765,935,000 |
| Noninterest-bearing deposits | 10,194,524,000 | 10,234,600,000 | 10,909,044,000 | 10,953,203,000 |
| Equity capital | 3,556,920,000 | 3,738,364,000 | 3,878,753,000 | 3,889,797,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 281,992,000 | 570,763,000 | 857,748,000 | 1,136,449,000 |
| Interest expense | 33,052,000 | 65,897,000 | 97,256,000 | 122,276,000 |
| Net interest income | 248,940,000 | 504,866,000 | 760,492,000 | 1,014,173,000 |
| Noninterest income | 95,937,000 | 177,946,000 | 265,943,000 | 360,222,000 |
| Noninterest expense | 200,348,000 | 400,768,000 | 607,726,000 | 826,569,000 |
| Provision for loan losses | 11,003,000 | 17,403,000 | 25,404,000 | 33,759,000 |
| Pretax income | 133,526,000 | 264,810,000 | 393,571,000 | 514,361,000 |
| Income tax | 15,071,000 | 31,347,000 | 46,100,000 | 60,828,000 |
| Net income | 118,455,000 | 233,463,000 | 347,471,000 | 453,533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,784,786,000 | 2,841,165,000 | 2,910,446,000 | 2,958,326,000 |
| Total capital | 2,921,636,000 | 2,976,594,000 | 3,047,505,000 | 3,090,993,000 |
| Risk-weighted assets | 21,903,223,000 | 22,175,397,000 | 22,519,907,000 | 23,074,375,000 |