Capital and Regulatory Matters (Tables)

6 Months Ended

Jun. 30, 2017

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, 2017 and December 31, 2016 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 2016 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, 2017
Common Equity Tier 1 to Risk-Weighted Assets
Cullen/Frost	$	2,385,585	12.81	%	$	1,070,444	5.75	%	$	1,303,367	7.00	%	$	1,210,067	6.50	%
Frost Bank	2,401,554		12.94		1,067,432		5.75		1,299,400		7.00		1,206,662		6.50
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost	2,530,071		13.59		1,349,691		7.25		1,582,296		8.50		1,489,314		8.00
Frost Bank	2,401,554		12.94		1,345,892		7.25		1,577,843		8.50		1,485,123		8.00
Total Capital to Risk-Weighted Assets
Cullen/Frost	2,912,629		15.65		1,722,019		9.25		1,954,601		10.50		1,861,642		10.00
Frost Bank	2,551,112		13.74		1,717,173		9.25		1,949,100		10.50		1,856,403		10.00
Leverage Ratio
Cullen/Frost	2,530,071		8.61		1,174,957		4.00		1,174,910		4.00		1,468,696		5.00
Frost Bank	2,401,554		8.18		1,173,726		4.00		1,173,679		4.00		1,467,157		5.00
December 31, 2016
Common Equity Tier 1 to Risk-Weighted Assets
Cullen/Frost	$	2,239,186	12.52	%	$	916,360	5.125	%	$	1,251,425	7.00	%	$	1,162,213	6.50	%
Frost Bank	2,296,480		12.88		913,460		5.125		1,247,463		7.00		1,158,535		6.50
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost	2,383,672		13.33		1,184,563		6.625		1,519,587		8.50		1,430,416		8.00
Frost Bank	2,296,480		12.88		1,180,814		6.625		1,514,776		8.50		1,425,889		8.00
Total Capital to Risk-Weighted Assets
Cullen/Frost	2,669,717		14.93		1,542,168		8.625		1,877,137		10.50		1,788,020		10.00
Frost Bank	2,449,525		13.74		1,537,286		8.625		1,871,194		10.50		1,782,361		10.00
Leverage Ratio
Cullen/Frost	2,383,672		8.14		1,171,682		4.00		1,171,573		4.00		1,464,602		5.00
Frost Bank	2,296,480		7.85		1,170,249		4.00		1,170,141		4.00		1,462,812		5.00