[CFR] QoQ Quarter Result on 31-Dec-2004 [#Q4]

Stock
[CFR] Cullen/Frost Bankers, Inc.
Announcement Date
04-Feb-2005
Financial Year
2004
Quarter
31-Dec-2004 [#Q4]
Profit Trend
QoQ- 6.56%
YoY-
Quarter Report
CFR's Result
CFR's Financial Summary
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Quarter Result
31/03/06 31/12/05 30/09/05 30/06/05 31/03/05 31/12/04 30/09/04 CAGR
Revenue 173,198 164,353 157,339 151,811 148,142 143,639 139,610 15.47%
PBT 69,068 66,325 62,622 60,186 55,255 56,904 53,111 19.16%
Tax 22,391 21,408 20,167 19,502 17,888 18,573 17,140 19.52%
NP 46,677 44,917 42,455 40,684 37,367 38,331 35,971 18.98%
Tax Rate -32.42% -32.28% -32.20% -32.40% -32.37% -32.64% -32.27% -
Total Cost 126,521 119,436 114,884 111,127 110,775 105,308 103,639 14.23%
Ratio Analysis
31/03/06 31/12/05 30/09/05 30/06/05 31/03/05 31/12/04 30/09/04 CAGR
NP Margin 26.95 27.33 26.98 26.80 25.22 26.69 25.77 3.03%
Per Share
31/03/06 31/12/05 30/09/05 30/06/05 31/03/05 31/12/04 30/09/04 CAGR
EPS 0.86 0.83 0.81 0.78 0.72 0.74 0.70 14.72%
EPS Diluted 0.83 0.83 0.79 0.77 0.70 0.74 0.68 14.22%

PBT = Profit before Tax, NP = Net Profit, NP Margin = Net Profit Margin, EPS = Earning Per Share, EPS Diluted = Earning Per Share Diluted.

NP Margin, QoQ ⃤ & YoY ⃤ figures in Percentage; EPS & EPS Diluted figures in Cent.

All figures in '000 unless specified.