Call reports 2022
FROST BANK — 2022
What FROST BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 51,325,447,000 | 51,845,683,000 | 53,006,093,000 | 52,953,767,000 |
| Total loans | 16,542,567,000 | 16,736,029,000 | 16,950,633,000 | 17,154,785,000 |
| Allowance for loan losses | 246,835,000 | 239,632,000 | 234,315,000 | 227,621,000 |
| Securities available for sale | 16,142,178,000 | 16,739,320,000 | 17,356,724,000 | 18,201,178,000 |
| Securities held to maturity | 1,665,623,000 | 1,946,586,000 | 2,174,242,000 | 2,639,241,000 |
| Trading assets | 316,111,000 | 311,565,000 | 250,064,000 | 221,515,000 |
| Total deposits | 44,991,896,000 | 46,111,332,000 | 47,016,476,000 | 44,359,079,000 |
| Interest-bearing deposits | 26,316,499,000 | 26,818,034,000 | 27,994,166,000 | 26,356,117,000 |
| Noninterest-bearing deposits | 18,675,397,000 | 19,293,298,000 | 19,022,310,000 | 18,002,962,000 |
| Equity capital | 3,546,375,000 | 3,166,252,000 | 2,683,877,000 | 3,058,430,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 256,829,000 | 564,130,000 | 973,216,000 | 1,478,429,000 |
| Interest expense | 5,442,000 | 21,900,000 | 72,359,000 | 175,609,000 |
| Net interest income | 251,387,000 | 542,230,000 | 900,857,000 | 1,302,820,000 |
| Noninterest income | 101,238,000 | 198,977,000 | 298,468,000 | 403,877,000 |
| Noninterest expense | 237,318,000 | 481,508,000 | 738,222,000 | 1,018,266,000 |
| Provision for loan losses | 4,464,000 | 68,000 | -2,395,000 | -5,278,000 |
| Pretax income | 115,307,000 | 259,699,000 | 461,103,000 | 685,431,000 |
| Income tax | 13,749,000 | 35,847,000 | 64,907,000 | 95,313,000 |
| Net income | 101,558,000 | 223,852,000 | 396,196,000 | 590,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,301,515,000 | 3,423,585,000 | 3,595,393,000 | 3,789,056,000 |
| Total capital | 3,542,316,000 | 3,661,580,000 | 3,830,534,000 | 4,023,386,000 |
| Risk-weighted assets | 26,647,197,000 | 27,562,401,000 | 28,285,377,000 | 29,148,405,000 |