[CFR] YoY Quarter Result on 31-Dec-2008 [#Q4]

Stock
[CFR] Cullen/Frost Bankers, Inc.
Announcement Date
03-Feb-2009
Financial Year
2008
Quarter
31-Dec-2008 [#Q4]
Profit Trend
QoQ- 8.17%
YoY- -3.18%
Quarter Report
CFR's Result
CFR's Financial Summary
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Quarter Result
31/12/11 31/12/10 31/12/09 31/12/08 31/12/07 31/12/06 31/12/05 CAGR
Revenue 217,983 211,841 224,939 207,279 197,143 181,057 164,353 4.81%
PBT 74,150 66,810 68,473 75,186 79,417 70,634 66,325 1.87%
Tax 18,736 13,759 16,979 22,223 24,717 22,272 21,408 -2.19%
NP 55,414 53,051 51,494 52,963 54,700 48,362 44,917 3.56%
Tax Rate -25.27% -20.59% -24.80% -29.56% -31.12% -31.53% -32.28% -
Total Cost 162,569 158,790 173,445 154,316 142,443 132,695 119,436 5.27%
Ratio Analysis
31/12/11 31/12/10 31/12/09 31/12/08 31/12/07 31/12/06 31/12/05 CAGR
NP Margin 25.42 25.04 22.89 25.55 27.75 26.71 27.33 -1.19%
Per Share
31/12/11 31/12/10 31/12/09 31/12/08 31/12/07 31/12/06 31/12/05 CAGR
EPS 0.91 0.87 0.86 0.89 0.93 0.81 0.83 1.54%
EPS Diluted 0.91 0.87 0.86 0.89 0.93 0.81 0.83 1.54%

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.