Capital and Regulatory Matters (Tables)

3 Months Ended

Mar. 31, 2016

Cullen/Frost and Frost Bank under the Basel III Capital Rules. The minimum required capital amounts presented include the minimum required capital levels as of March 31, 2016 and December 31, 2015 based on the phase-in provisions of the Basel III Capital Rules and the minimum required capital levels as of January 1, 2019 when the Basel III Capital Rules have been fully phased-in. Capital levels required to be considered well capitalized are based upon prompt corrective action regulations, as amended to reflect the changes under the Basel III Capital Rules. See the 2015 Form 10-K for a more detailed discussion of the Basel III Capital Rules.



	Actual				Minimum Capital Required - Basel III Phase-In Schedule				Minimum Capital Required - Basel III Fully Phased-In				Required to be Considered Well Capitalized
	Capital Amount		Ratio		Capital Amount		Ratio		Capital Amount		Ratio		Capital Amount		Ratio
March 31, 2016
Common Equity Tier 1 to Risk-Weighted Assets
Cullen/Frost	$	2,022,088	11.82	%	$	876,768	5.125	%	$	1,197,311	7.00	%	$	1,111,998	6.50	%
Frost Bank	2,168,631		12.72		873,746		5.125		1,193,183		7.00		1,108,165		6.50
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost	2,166,574		12.66		1,133,383		6.625		1,453,878		8.50		1,368,613		8.00
Frost Bank	2,168,631		12.72		1,129,476		6.625		1,448,866		8.50		1,363,896		8.00
Total Capital to Risk-Weighted Assets
Cullen/Frost	2,461,454		14.39		1,475,536		8.625		1,795,967		10.50		1,710,767		10.00
Frost Bank	2,330,511		13.67		1,470,450		8.625		1,789,775		10.50		1,704,870		10.00
Leverage Ratio
Cullen/Frost	2,166,574		7.96		1,088,362		4.00		1,088,233		4.00		1,360,452		5.00
Frost Bank	2,168,631		7.98		1,087,033		4.00		1,086,875		4.00		1,358,754		5.00



(continued)	Actual				Minimum Capital Required - Basel III Phase-In Schedule				Minimum Capital Required - Basel III Fully Phased-In				Required to be Considered Well Capitalized
	Capital Amount		Ratio		Capital Amount		Ratio		Capital Amount		Ratio		Capital Amount		Ratio
December 31, 2015
Common Equity Tier 1 to Risk-Weighted Assets
Cullen/Frost	$	1,986,200	11.37	%	$	786,344	4.50	%	$	1,222,837	7.00	%	$	1,135,830	6.50	%
Frost Bank	2,131,360		12.24		783,727		4.50		1,218,766		7.00		1,132,049		6.50
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost	2,163,936		12.38		1,048,458		6.00		1,484,874		8.50		1,397,944		8.00
Frost Bank	2,131,360		12.24		1,044,969		6.00		1,479,930		8.50		1,393,292		8.00
Total Capital to Risk-Weighted Assets
Cullen/Frost	2,419,545		13.85		1,397,944		8.00		1,834,256		10.50		1,747,430		10.00
Frost Bank	2,267,219		13.02		1,393,292		8.00		1,828,149		10.50		1,741,615		10.00
Leverage Ratio
Cullen/Frost	2,163,936		7.79		1,111,325		4.00		1,111,117		4.00		1,389,156		5.00
Frost Bank	2,131,360		7.68		1,110,143		4.00		1,109,935		4.00		1,387,679		5.00