Call reports 2023
FROST BANK — 2023
What FROST BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 51,285,722,000 | 48,652,188,000 | 48,799,477,000 | 50,957,079,000 |
| Total loans | 17,486,024,000 | 17,751,171,000 | 18,399,266,000 | 18,826,574,000 |
| Allowance for loan losses | 231,514,000 | 233,619,000 | 242,235,000 | 245,996,000 |
| Securities available for sale | 17,939,333,000 | 17,206,678,000 | 16,074,419,000 | 16,535,602,000 |
| Securities held to maturity | 3,711,841,000 | 3,691,487,000 | 3,628,433,000 | 3,619,738,000 |
| Trading assets | 184,596,000 | 192,694,000 | 215,458,000 | 193,165,000 |
| Total deposits | 42,586,831,000 | 41,107,647,000 | 41,392,199,000 | 42,410,482,000 |
| Interest-bearing deposits | 26,188,983,000 | 25,796,216,000 | 26,360,779,000 | 26,994,984,000 |
| Noninterest-bearing deposits | 16,397,848,000 | 15,311,431,000 | 15,031,419,000 | 15,415,498,000 |
| Equity capital | 3,367,159,000 | 3,298,142,000 | 2,917,176,000 | 3,619,265,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 535,742,000 | 1,078,648,000 | 1,640,435,000 | 2,220,225,000 |
| Interest expense | 133,405,000 | 287,922,000 | 460,184,000 | 647,655,000 |
| Net interest income | 402,337,000 | 790,726,000 | 1,180,251,000 | 1,572,570,000 |
| Noninterest income | 105,061,000 | 208,374,000 | 314,056,000 | 427,509,000 |
| Noninterest expense | 283,762,000 | 566,216,000 | 858,216,000 | 1,222,162,000 |
| Provision for loan losses | 12,675,000 | 24,608,000 | 38,216,000 | 52,861,000 |
| Pretax income | 214,553,000 | 413,933,000 | 605,967,000 | 731,812,000 |
| Income tax | 34,412,000 | 67,863,000 | 100,692,000 | 120,374,000 |
| Net income | 180,141,000 | 346,070,000 | 505,275,000 | 611,438,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,879,997,000 | 3,973,809,000 | 4,013,794,000 | 4,057,111,000 |
| Total capital | 4,131,996,000 | 4,225,881,000 | 4,272,059,000 | 4,320,474,000 |
| Risk-weighted assets | 29,111,247,000 | 29,335,247,000 | 29,821,115,000 | 30,425,481,000 |