[CFR] YoY Annual Result on 31-Dec-2012 [#FY]

Stock
[CFR] Cullen/Frost Bankers, Inc.
Announcement Date
08-Feb-2013
Financial Year
2012
Quarter
31-Dec-2012 [#FY]
Profit Trend
YoY- 9.39%
Quarter Report
CFR's Result
CFR's Financial Summary
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Annual Result
31/12/15 31/12/14 31/12/13 31/12/12 31/12/11 31/12/10 31/12/09 CAGR
Revenue 1,065,362 1,007,078 923,373 893,648 871,778 845,492 1,408,101 -4.54%
PBT 319,799 336,024 290,881 308,475 286,235 266,340 232,755 5.43%
Tax 40,471 58,047 53,015 70,523 68,700 57,576 53,721 -4.60%
NP 279,328 277,977 237,866 237,952 217,535 208,764 179,034 7.69%
Tax Rate -12.66% -17.27% -18.23% -22.86% -24.00% -21.62% -23.08% -
Total Cost 786,034 729,101 685,507 655,696 654,243 636,728 1,229,067 -7.17%
Ratio Analysis
31/12/15 31/12/14 31/12/13 31/12/12 31/12/11 31/12/10 31/12/09 CAGR
NP Margin 26.22 27.60 25.76 26.63 24.95 24.69 12.71 12.82%
Per Share
31/12/15 31/12/14 31/12/13 31/12/12 31/12/11 31/12/10 31/12/09 CAGR
EPS 4.31 4.32 3.82 3.87 3.55 3.44 3.00 6.22%
EPS Diluted 4.28 4.29 3.80 3.86 3.54 3.44 3.00 6.09%

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.