Capital and Regulatory Matters (Tables)

6 Months Ended

Jun. 30, 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 June 30, 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
June 30, 2016
Common Equity Tier 1 to Risk-Weighted Assets
Cullen/Frost	$	2,065,635	11.90	%	$	889,931	5.125	%	$	1,215,306	7.00	%	$	1,128,693	6.50	%
Frost Bank	2,207,967		12.76		886,974		5.125		1,211,267		7.00		1,124,942		6.50
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost	2,210,121		12.73		1,150,399		6.625		1,475,729		8.50		1,389,160		8.00
Frost Bank	2,207,967		12.76		1,146,576		6.625		1,470,824		8.50		1,384,544		8.00
Total Capital to Risk-Weighted Assets
Cullen/Frost	2,492,835		14.36		1,497,689		8.625		1,822,960		10.50		1,736,451		10.00
Frost Bank	2,357,681		13.62		1,492,712		8.625		1,816,901		10.50		1,730,680		10.00
Leverage Ratio
Cullen/Frost	2,210,121		8.13		1,087,126		4.00		1,087,007		4.00		1,358,908		5.00
Frost Bank	2,207,967		8.13		1,085,798		4.00		1,085,678		4.00		1,357,247		5.00
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