Call reports 2020
FROST BANK — 2020
What FROST BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 34,248,863,000 | 39,440,541,000 | 40,175,518,000 | 42,428,110,000 |
| Total loans | 15,338,268,000 | 17,970,769,000 | 18,224,476,000 | 17,481,313,000 |
| Allowance for loan losses | 263,881,000 | 250,061,000 | 263,475,000 | 263,177,000 |
| Securities available for sale | 10,425,076,000 | 10,564,417,000 | 10,562,131,000 | 10,395,214,000 |
| Securities held to maturity | 1,984,349,000 | 1,969,126,000 | 1,951,544,000 | 1,945,833,000 |
| Trading assets | 188,836,000 | 168,944,000 | 157,739,000 | 156,112,000 |
| Total deposits | 28,554,478,000 | 32,939,047,000 | 33,783,610,000 | 35,438,909,000 |
| Interest-bearing deposits | 16,938,660,000 | 18,015,107,000 | 18,652,598,000 | 19,899,082,000 |
| Noninterest-bearing deposits | 11,615,818,000 | 14,923,940,000 | 15,131,012,000 | 15,539,827,000 |
| Equity capital | 3,891,450,000 | 4,071,747,000 | 4,119,001,000 | 4,148,584,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 266,621,000 | 522,179,000 | 773,972,000 | 1,023,769,000 |
| Interest expense | 19,535,000 | 26,567,000 | 32,446,000 | 37,264,000 |
| Net interest income | 247,086,000 | 495,612,000 | 741,526,000 | 986,505,000 |
| Noninterest income | 103,119,000 | 180,157,000 | 263,248,000 | 353,384,000 |
| Noninterest expense | 224,398,000 | 426,207,000 | 623,141,000 | 845,126,000 |
| Provision for loan losses | 172,925,000 | 200,153,000 | 223,743,000 | 237,011,000 |
| Pretax income | 61,886,000 | 158,441,000 | 266,934,000 | 366,797,000 |
| Income tax | 4,395,000 | 4,859,000 | 15,715,000 | 25,474,000 |
| Net income | 57,491,000 | 153,582,000 | 251,219,000 | 341,323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,924,082,000 | 2,977,672,000 | 3,010,290,000 | 3,030,093,000 |
| Total capital | 3,159,161,000 | 3,205,947,000 | 3,246,159,000 | 3,266,106,000 |
| Risk-weighted assets | 23,946,699,000 | 23,518,568,000 | 23,588,445,000 | 23,737,433,000 |