Capital and Regulatory Matters (Tables)

9 Months Ended

Sep. 30, 2013

Banking and Thrift [Abstract]

Actual and Required Capital Ratios

Actual and required capital ratios for Cullen/Frost and Frost Bank were as follows:

	Actual				Minimum Required for Capital Adequacy Purposes				Required to be Considered Well Capitalized
	Capital Amount		Ratio		Capital Amount		Ratio		Capital Amount		Ratio
September 30, 2013
Total Capital to Risk-Weighted Assets
Cullen/Frost	$	2,074,951	15.68	%	$	1,058,452	8.00	%	$	1,323,066	10.00	%
Frost Bank	1,795,125		13.58		1,057,326		8.00		1,321,658		10.00
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost	1,921,804		14.53		529,226		4.00		793,839		6.00
Frost Bank	1,701,978		12.88		528,663		4.00		792,995		6.00
Leverage Ratio
Cullen/Frost	1,921,804		8.61		892,449		4.00		1,115,562		5.00
Frost Bank	1,701,978		7.64		891,536		4.00		1,114,420		5.00
December 31, 2012
Total Capital to Risk-Weighted Assets
Cullen/Frost	$	1,947,974	15.11	%	$	1,031,526	8.00	%	$	1,289,408	10.00	%
Frost Bank	1,730,444		13.43		1,030,878		8.00		1,288,597		10.00
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost	1,763,521		13.68		515,763		4.00		773,645		6.00
Frost Bank	1,625,991		12.62		515,439		4.00		773,158		6.00
Leverage Ratio
Cullen/Frost	1,763,521		8.28		851,483		4.00		1,064,354		5.00
Frost Bank	1,625,991		7.64		850,954		4.00		1,063,693		5.00