Call reports 2024
FROST BANK — 2024
What FROST BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 49,567,514,000 | 48,914,623,000 | 51,060,144,000 | 52,580,731,000 |
| Total loans | 19,388,232,000 | 19,995,745,000 | 20,054,637,000 | 20,754,825,000 |
| Allowance for loan losses | 250,297,000 | 256,307,000 | 263,129,000 | 270,151,000 |
| Securities available for sale | 15,138,713,000 | 15,154,667,000 | 15,276,969,000 | 15,000,446,000 |
| Securities held to maturity | 3,601,039,000 | 3,586,426,000 | 3,570,028,000 | 3,534,085,000 |
| Trading assets | 184,007,000 | 175,735,000 | 173,225,000 | 161,536,000 |
| Total deposits | 41,246,014,000 | 40,746,370,000 | 42,170,008,000 | 43,144,271,000 |
| Interest-bearing deposits | 27,051,767,000 | 26,833,363,000 | 27,767,751,000 | 28,280,428,000 |
| Noninterest-bearing deposits | 14,194,247,000 | 13,913,007,000 | 14,402,257,000 | 14,863,843,000 |
| Equity capital | 3,559,012,000 | 3,606,640,000 | 4,075,282,000 | 3,822,207,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 586,054,000 | 1,183,065,000 | 1,791,919,000 | 2,393,319,000 |
| Interest expense | 192,026,000 | 388,135,000 | 588,602,000 | 772,495,000 |
| Net interest income | 394,028,000 | 794,930,000 | 1,203,317,000 | 1,620,824,000 |
| Noninterest income | 111,232,000 | 222,183,000 | 335,670,000 | 458,240,000 |
| Noninterest expense | 324,783,000 | 638,863,000 | 961,084,000 | 1,295,720,000 |
| Provision for loan losses | 11,650,000 | 27,386,000 | 43,848,000 | 64,832,000 |
| Pretax income | 166,827,000 | 348,813,000 | 529,096,000 | 718,263,000 |
| Income tax | 27,550,000 | 59,209,000 | 89,598,000 | 120,321,000 |
| Net income | 139,277,000 | 289,604,000 | 439,498,000 | 597,942,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,146,611,000 | 4,228,311,000 | 4,303,872,000 | 4,387,862,000 |
| Total capital | 4,433,621,000 | 4,521,383,000 | 4,606,689,000 | 4,692,880,000 |
| Risk-weighted assets | 30,546,847,000 | 31,172,998,000 | 31,236,395,000 | 31,881,574,000 |