Frost Bank Annual Report

We maintain the complete database with all recent information about Frost Bank that you may need. With the help of the annual report, you can know the financial health of the bank, see how large it is, and track the dynamics and last trends of all financial indicators. All Frost Bank data is relevant for December 2024.

4.4

Address

111 West Houston Street San Antonio, TX 78205

FDIC Certificate ID

5510

Bank Charter Class

Federal Reserve Member

Financial report Frost Bank

Quarterly

Annually

Change dates

June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999
September 30, 1999
June 30, 1999
March 31, 1999
December 31, 1998
September 30, 1998
June 30, 1998
March 31, 1998
December 31, 1997
September 30, 1997
June 30, 1997
March 31, 1997
December 31, 1996
September 30, 1996
June 30, 1996
March 31, 1996
December 31, 1995
September 30, 1995
June 30, 1995
March 31, 1995
December 31, 1994
September 30, 1994
June 30, 1994
March 31, 1994
December 31, 1993
September 30, 1993
June 30, 1993
March 31, 1993
December 31, 1992

June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999
September 30, 1999
June 30, 1999
March 31, 1999
December 31, 1998
September 30, 1998
June 30, 1998
March 31, 1998
December 31, 1997
September 30, 1997
June 30, 1997
March 31, 1997
December 31, 1996
September 30, 1996
June 30, 1996
March 31, 1996
December 31, 1995
September 30, 1995
June 30, 1995
March 31, 1995
December 31, 1994
September 30, 1994
June 30, 1994
March 31, 1994
December 31, 1993
September 30, 1993
June 30, 1993
March 31, 1993
December 31, 1992

June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999
September 30, 1999
June 30, 1999
March 31, 1999
December 31, 1998
September 30, 1998
June 30, 1998
March 31, 1998
December 31, 1997
September 30, 1997
June 30, 1997
March 31, 1997
December 31, 1996
September 30, 1996
June 30, 1996
March 31, 1996
December 31, 1995
September 30, 1995
June 30, 1995
March 31, 1995
December 31, 1994
September 30, 1994
June 30, 1994
March 31, 1994
December 31, 1993
September 30, 1993
June 30, 1993
March 31, 1993
December 31, 1992

June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999
September 30, 1999
June 30, 1999
March 31, 1999
December 31, 1998
September 30, 1998
June 30, 1998
March 31, 1998
December 31, 1997
September 30, 1997
June 30, 1997
March 31, 1997
December 31, 1996
September 30, 1996
June 30, 1996
March 31, 1996
December 31, 1995
September 30, 1995
June 30, 1995
March 31, 1995
December 31, 1994
September 30, 1994
June 30, 1994
March 31, 1994
December 31, 1993
September 30, 1993
June 30, 1993
March 31, 1993
December 31, 1992

June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999
September 30, 1999
June 30, 1999
March 31, 1999
December 31, 1998
September 30, 1998
June 30, 1998
March 31, 1998
December 31, 1997
September 30, 1997
June 30, 1997
March 31, 1997
December 31, 1996
September 30, 1996
June 30, 1996
March 31, 1996
December 31, 1995
September 30, 1995
June 30, 1995
March 31, 1995
December 31, 1994
September 30, 1994
June 30, 1994
March 31, 1994
December 31, 1993
September 30, 1993
June 30, 1993
March 31, 1993
December 31, 1992

2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
1999
1998
1997
1996
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2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
1999
1998
1997
1996
1995
1994
1993
1992

2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
1999
1998
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1996
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1994
1993
1992

2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
1999
1998
1997
1996
1995
1994
1993
1992

2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
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1992

Hide dates

All values USD, Dollar figures in thousands

Updated June 30, 2022

Item

2022

2021

2020

2019

2018

Trends

Assets and Liabilities

Total assets

51,845,683

50,953,666

42,428,110

34,105,305

32,355,408

Cash & Balances due from depository institutions

13,562,942

16,546,880

10,291,174

3,430,813

3,317,919

Cash items in process of collection

726,014

537,324

513,950

574,346

666,922

Collection in domestic offices

499,008

331,953

296,510

384,602

488,304

Currency and coin in domestic offices

227,006

205,371

217,440

189,744

178,618

Balances due from depository institutions in U.S.

108,987

112,606

76,989

46,618

15,011

Balances due from foreign banks

24,560

22,163

16,008

3,797

6,270

Balances due from FRB

12,703,381

15,874,787

9,684,227

2,806,052

2,629,716

Total securities *

18,685,748

15,631,447

12,340,887

13,256,730

12,450,688

U.S. Government securities

10,278,699

6,772,961

3,636,096

4,686,589

4,260,166

U.S. Treasury securities

4,416,299

2,179,433

1,119,633

1,948,134

3,427,690

U.S. Government agency obligations

5,862,400

4,593,528

2,516,463

2,738,455

832,476

Securities issued by states & political subdivisions

8,405,707

8,857,144

8,703,451

8,568,641

8,189,022

Other domestic debt securities

N/A

Privately issued residential mortgage-backed securities

N/A

Asset backed securities

N/A

Structured financial products - Total

N/A

Other domestic debt securities - All other

N/A

Foreign debt securities

1,500

Equity securities not held for trading

N/A

Equity securities available-for-sale

N/A

Credit Loss Allowance for Held to Maturity Debt Securities

158

160

N/A

Assets held in trading accounts for TFR Reporters

N/A

General valuation allowances for securities for TFR Reporters

N/A

Federal funds sold and reverse repurchase

105,550

41,978

775

356,373

635,017

Net loans and leases

16,496,397

16,087,766

17,218,136

14,618,150

13,967,601

Loan and leases loss allowance**

239,632

248,666

263,177

132,167

132,132

Total loans and leases

16,736,029

16,336,432

17,481,313

14,750,317

14,099,733

Unearned income

N/A

Loans and leases, gross

16,736,029

16,336,432

17,481,313

14,750,317

14,099,733

All real estate loans

9,619,565

8,988,202

8,364,638

7,407,119

6,823,938

Real estate loans in domestic offices

9,619,565

8,988,202

8,364,638

7,407,119

6,823,938

Construction and development loans

2,022,162

1,717,321

1,547,233

1,616,114

1,585,250

Residential 1-4 family construction

402,709

277,181

193,931

163,976

180,408

Other construction, all land development and other land

1,619,453

1,440,140

1,353,302

1,452,138

1,404,842

Secured by nonfarm nonresidential properties

5,552,994

5,418,489

4,982,326

4,205,643

3,855,553

Nonfarm nonresidential secured by owner-occupied properties

1,944,586

1,897,361

1,663,877

1,435,155

1,318,977

Commercial real estate other non-farm non-residential

3,608,408

3,521,128

3,318,449

2,770,488

2,536,576

Multifamily residential real estate

267,332

277,713

364,906

226,887

132,348

1-4 family residential loans

1,722,037

1,549,958

1,441,832

1,317,497

1,219,472

Farmland loans

55,040

24,721

28,341

40,978

31,315

Loans held in foreign offices

N/A

Farm loans

22,114

23,217

23,261

26,451

23,886

Commercial and industrial loans

5,633,179

5,948,261

7,638,108

5,844,509

5,604,339

Loans to individuals

492,700

470,064

492,569

505,049

561,559

Credit card loans

N/A

Related Plans

391,849

372,338

390,348

407,062

465,258

Consumer Loans - Auto

15,047

13,983

15,186

16,442

14,394

Other loans to individuals

85,804

83,743

87,035

81,545

81,907

All other loans & leases*

968,471

906,688

962,737

967,189

1,086,011

Loans to foreign governments and official institutions

N/A

Obligations of states and political subdivisions in U.S.

215,330

201,028

207,652

196,219

205,988

Other loans

467,545

427,205

461,686

464,582

578,215

Lease financing receivables

284,830

277,677

293,057

305,756

295,973

Loans to depository institutions and acceptances of other banks

766

778

342

632

5,835

Trading account assets

311,565

184,261

156,112

80,751

70,646

Bank premises and fixed assets

1,046,495

1,050,331

1,045,170

1,010,819

551,078

Other real estate owned

1,767

3,391

850

1,084

1,175

Direct and indirect investments in real estate

N/A

OREO: Real estate acquired

1,767

3,391

850

1,084

1,175

Other real estate owned: 1-4 family residential

1,767

3,391

706

613

N/A

Other Real Estate Owned: Multi-family residential

N/A

Other real estate owned: Commercial real estate

N/A

130

457

1,154

Other real estate owned:Construction & development

N/A

Other real estate owned: Farmland

N/A

Foreclosed properties from GNMA loans before June 2018

N/A

Other real estate owned in foreign offices

N/A

Goodwill and other intangibles

653,256

653,534

654,230

655,149

656,316

Goodwill

652,667

Mortgage servicing assets

N/A

All other assets

981,963

754,078

720,776

695,436

704,968

Liabilities and Capital

Total liabilities and capital

51,845,683

50,953,666

42,428,110

34,105,305

32,355,408

Total Liabilities

48,679,431

46,738,031

38,279,526

30,215,508

29,000,910

Total deposits

46,111,332

43,224,776

35,438,909

27,719,138

27,238,210

Deposits held in domestic offices

46,111,332

43,224,776

35,438,909

27,719,138

27,238,210

Individuals, partnerships, and corporations

44,357,160

40,860,063

33,565,448

26,397,513

25,981,788

U.S. Government

122

205

113

States and political subdivisions in the U.S.

1,518,632

2,045,889

1,612,984

1,061,620

994,002

Commercial banks and other depository institutions in U.S.

234,520

317,881

260,266

259,677

258,892

Banks in foreign countries

898

738

319

3,522

Foreign governments and official institutions

N/A

Deposits held in foreign offices

N/A

Deposits held in domestic offices

46,111,332

43,224,776

35,438,909

27,719,138

27,238,210

Transaction accounts

3,939,719

4,098,621

3,071,774

2,394,985

2,606,060

Nontransaction accounts

42,171,613

39,126,155

32,367,135

25,324,153

24,632,150

Money market deposit accounts (MMDAs)

38,268,298

35,792,309

29,490,709

22,926,427

22,577,103

Other savings deposits (excluding MMDAs)

2,384,450

2,220,942

1,735,291

1,289,130

1,192,327

Total time deposits

1,518,865

1,112,904

1,141,135

1,108,596

862,720

Federal funds purchased and repurchase agreements

1,707,885

2,766,724

2,116,997

1,953,342

1,592,548

Trading liabilities

302,073

138,543

80,152

31,770

44,787

N/A - idobrmtg

N/A

323,688

N/A

Subordinated debt

N/A

All other liabilities

558,141

607,988

643,468

187,570

125,365

Total equity capital

3,166,252

4,215,635

4,148,584

3,889,797

3,354,498

Bank equity capital

3,166,252

4,215,635

4,148,584

3,889,797

3,354,498

Perpetual preferred stock

N/A

Common stock

8,500

Surplus

1,166,591

1,166,592

1,166,591

Undivided profits

1,991,161

3,040,544

2,973,492

2,714,706

2,179,407

Equity, minor interest in consolidated subs

N/A

Memoranda

Noncurrent loans and leases

45,750

92,436

75,738

109,723

94,207

Income earned, not collected on loans

194,049

179,111

181,432

183,850

188,989

Earning assets

48,122,312

47,771,596

39,342,877

31,105,501

29,719,363

Long-term assets (5+ years)

17,543,287

15,883,203

12,074,733

13,646,505

10,222,879

Average total assets

51,374,932

46,436,782.2

38,079,667.4

32,644,783.8

31,557,643

Average assets, quarterly

51,585,565

49,464,772

41,301,814

33,638,458

31,844,053.5

Total risk weighted assets adjusted

27,562,401

25,646,008

23,737,433

23,074,375

21,469,817

Adjusted average assets for leverage capital purposes

51,698,550

47,941,970

39,704,990

32,318,582

30,741,246

Life insurance assets

189,823

190,139

189,984

187,156

183,473

General account life insurance assets

22,000

21,571

20,896

20,342

20,154

Separate account life insurance assets

152,891

153,573

154,364

152,369

149,289

Hybrid life insurance assets

14,932

14,995

14,724

14,445

14,030

Volatile liabilities

2,346,621

3,199,332

2,544,545

2,345,720

1,842,493

Insider loans

527,060

489,350

493,075

468,100

390,037

FHLB advances

N/A

Loans and leases held for sale

N/A

Unused loan commitments

10,817,262

10,417,666

9,800,986

9,076,290

8,354,820

Tier one (core) capital

3,423,585

3,261,532

3,030,093

2,958,326

2,743,973

Tier 2 Risk-based capital

237,995

229,749

236,013

132,667

132,632

Total unused commitments

10,817,262

10,417,666

9,800,986

9,076,290

8,354,820

Derivatives

4,971,704

4,613,255

4,006,337

2,968,776

3,122,405