BANKTRACKER

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BankTracker methodology

Detailed information about the data and analysis behind the Banktracker project. More

Previous report: Banks still accumulating troubled assets

Bad loans, foreclosed properties still plague many of the nation's banks. More

Methodology for credit union analysis

Detailed information about the data and analysis behind the credit union portion of the BankTracker project. More

BankTracker Q&A

Some things to keep in mind when reviewing this information. More

Previous report: More banks feeling pressure from bad loans

Previous report: Banks have another tough quarter

Previous report: Credit unions feel recession pain

Previous report: Nation's banks feeling the pinch

HOW HEALTHY IS THIS BANK?

The Frost National Bank

San Antonio, TX

The troubled asset ratio

A "troubled asset ratio" compares the sum of troubled assets with the sum of Tier 1 Capital plus Loan Loss Reserves. Generally speaking, higher values in this ratio indicate that a bank is under more stress caused by loans that are not paying as scheduled.

Financial details for The Frost National Bank

Line item

Assets

Deposits

Loans

Loan loss provision

Profit

Capital

Reserves

Loans 90 days or more past due

Non-accruing loans

Other real estate owned

Capital plus reserves

Total troubled assets

Dec. 31, 2008

$15,112,135,000

$11,640,709,000

$8,736,303,000

$37,823,000

$214,053,000

$1,207,428,000

$109,106,000

$20,284,000

$60,601,000

$12,858,000

$1,316,534,000

$93,743,000

Dec. 31, 2009

$16,343,663,000

$13,399,159,000

$8,256,447,000

$65,392,000

$188,201,000

$1,303,474,000

$125,309,000

$22,503,000

$141,432,000

$33,305,000

$1,428,783,000

$197,240,000

Note: The Federal Deposit Insurance Corp. insures deposit accounts up to $250,000. The "troubled asset ratio" is not an FDIC statistic. It is derived by adding the amounts of loans past due 90 days or more, loans in non-accrual status and other real estate owned (primarily properties obtained through foreclosure) and dividing that amount by the bank's capital and loan loss reserves. It is reported as a percentage. For example, a bank with $100,000 in "troubled assets" and $1,000,000 in capital would have a "troubled asset ratio" of 10 percent. For a fuller explanation, see our methodology.

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Banks with high debt levels.

The 400 largest banks.

“We recognize that there are some consumers and businesses in the current situation that believe they deserve credit that is not being made available. We do not turn down loan applications because we do not want to lend – lending is what banks do. In some cases, however, it makes no sense for the borrower to take on more debt. Sometimes, the best answer is to tell the customer no, so that the borrower does not end up assuming an additional obligation that would be difficult if not impossible to repay.” --Michigan banker Arthur C. JohnsonSenate testimony