Frost Bank?

11,138 Views | 45 Replies | Last: 3 yr ago by jamey
cgh1999
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In reply to Brewmaster • 1:26a, 3/17/23
AG
perma Brew doomster said:
cgh1999 said:
Frost is a great bank.

If the market goes crazier, all bets are off. But, it's a very well run bank.
You all need to check out the stock markets thread and seek out Bonfire1996's posts. Go back a few pages. Frost is around 35% (unrealized losses vs capital). For comparison sake, SVB was 100% and major chains like Wells Fargo and Bank of America are around 6%.

I'm not suggesting you all do anything, it is your money and certainly your decision. This thread just caught my eye.

https://texags.com/forums/57/topics/2721405/6025

You'll see my responses on that thread that this is only one metric. Even SVB wouldn't have failed if it wasn't for the run on the bank.
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Cyp0111
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In reply to cgh1999 • 6:51a, 3/17/23
Liquidity vs insolvency
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cgh1999
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7:25a, 3/17/23
AG
My point is, there's a bunch of different metrics that you can measure the safety of the bank by. Everybody's concentrating on this one right now, but not paying attention to all the other risks. If you have the safest, Bank humanly possible, they're making virtually no money for their shareholders. They can't afford services that provide convenience to customers. They're just a depository. If you're looking for a bank to provide a full breadth and depth of services, then you've got to look at more than just one metric.

Look at the earnings power of a bank like frost. If their loans, treasury services and other non-interest income and assets provide solid income, they can rebuild capital very quickly.

The unrealized loss is only a real loss if they have to sell. The only reason they would have to sell is, if people withdrew ridiculous amount of money from the bank. Even then, they have more than enough capital above and beyond those losses to maintain their position as a viable bank. Capital would be reduced, but their earnings power would replace that over the next few quarters.

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Redstone
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6:57p, 3/17/23
AG
We have all accounts at Wells Fargo
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Bocephus
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In reply to Redstone • 7:21p, 3/17/23
AG
Redstone said:
We have all accounts at Wells Fargo


The place that gets fined yearly for fraud
TAMU ‘98 Ole Miss ‘21
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jamey
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In reply to Bocephus • 7:31p, 3/17/23
AG
Bocephus said:
Redstone said:
We have all accounts at Wells Fargo


The place that gets fined yearly for fraud


That bothers me too, but I have a friend that's a financial advisor there so I set up my taxable account thru him. I guess I trust ill get screwed less by a friend as my FA vs some unknown than whatever Wells Fargo will do


Too much of the financial advisory industry is pure sales
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Redstone
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7:34p, 3/17/23
AG
It's a too big to fail

My larger concern is for my son. We are governed by fools
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Bocephus
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In reply to jamey • 7:40p, 3/17/23
AG
jamey said:
Bocephus said:
Redstone said:
We have all accounts at Wells Fargo


The place that gets fined yearly for fraud


That bothers me too, but I have a friend that's a financial advisor there so I set up my taxable account thru him. I guess I trust ill get screwed less by a friend as my FA vs some unknown than whatever Wells Fargo will do


Too much of the financial advisory industry is pure sales


Weren't their employees caught filling out credit card applications using customer info so they could hit quota and keep their jobs & get a commission?
TAMU ‘98 Ole Miss ‘21
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jamey
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In reply to Bocephus • 7:54p, 3/17/23
AG
Bocephus said:
jamey said:
Bocephus said:
Redstone said:
We have all accounts at Wells Fargo


The place that gets fined yearly for fraud


That bothers me too, but I have a friend that's a financial advisor there so I set up my taxable account thru him. I guess I trust ill get screwed less by a friend as my FA vs some unknown than whatever Wells Fargo will do


Too much of the financial advisory industry is pure sales


Weren't their employees caught filling out credit card applications using customer info so they could hit quota and keep their jobs & get a commission?



I think they were signing customers up for savings accounts and such to meet quotas they were pressured to meet.
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Whirligigs
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8:43p, 3/17/23
Learn how to manage your own Tbills. If you're poor then just put it in a fdic bank.

If the system fails it won't ****ing matter.
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jamey
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In reply to Whirligigs • 9:08p, 3/17/23
AG
Whirligigs said:


If the system fails it won't ****ing matter.



My wife hates it when I tell her that. The never ending bailouts of risk makes that day seem sooner than later

Wish we could go back to an economy that was built more on making stuff than making bets


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