Call reports 2021
FROST BANK — 2021
What FROST BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 44,092,014,000 | 46,734,243,000 | 47,975,878,000 | 50,953,666,000 |
| Total loans | 17,889,863,000 | 16,598,396,000 | 15,832,737,000 | 16,336,432,000 |
| Allowance for loan losses | 261,258,000 | 255,288,000 | 250,150,000 | 248,666,000 |
| Securities available for sale | 10,335,090,000 | 10,798,169,000 | 11,688,864,000 | 13,882,268,000 |
| Securities held to maturity | 1,820,725,000 | 1,813,563,000 | 1,759,428,000 | 1,749,337,000 |
| Trading assets | 174,178,000 | 246,932,000 | 306,009,000 | 184,261,000 |
| Total deposits | 37,387,842,000 | 39,201,245,000 | 40,181,433,000 | 43,224,776,000 |
| Interest-bearing deposits | 20,821,531,000 | 22,274,105,000 | 22,461,184,000 | 24,272,678,000 |
| Noninterest-bearing deposits | 16,566,311,000 | 16,927,140,000 | 17,720,249,000 | 18,952,098,000 |
| Equity capital | 4,095,929,000 | 4,183,334,000 | 4,170,218,000 | 4,215,635,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 247,367,000 | 510,956,000 | 763,856,000 | 1,011,410,000 |
| Interest expense | 3,920,000 | 7,996,000 | 12,314,000 | 16,760,000 |
| Net interest income | 243,447,000 | 502,960,000 | 751,542,000 | 994,650,000 |
| Noninterest income | 92,668,000 | 183,509,000 | 276,414,000 | 385,220,000 |
| Noninterest expense | 209,123,000 | 422,163,000 | 639,063,000 | 876,517,000 |
| Provision for loan losses | 0 | -4,379,000 | -7,402,000 | -6,097,000 |
| Pretax income | 126,929,000 | 264,243,000 | 388,830,000 | 503,359,000 |
| Income tax | 9,310,000 | 25,651,000 | 40,161,000 | 51,269,000 |
| Net income | 117,619,000 | 238,592,000 | 348,669,000 | 452,090,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,104,492,000 | 3,166,299,000 | 3,215,116,000 | 3,261,532,000 |
| Total capital | 3,339,112,000 | 3,399,727,000 | 3,446,957,000 | 3,491,281,000 |
| Risk-weighted assets | 23,429,022,000 | 23,778,116,000 | 24,563,588,000 | 25,646,008,000 |