Capital and Regulatory Matters (Tables)

3 Months Ended

Mar. 31, 2019

The following tables present actual and required capital ratios as of March 31, 2019 and December 31, 2018 for Cullen/Frost and Frost Bank under the Basel III Capital Rules. The Basel III Capital Rules became fully phased-in on January 1, 2019. The minimum required capital amounts presented as of December 31, 2018 include the minimum required capital levels applicable as of that date as well as the minimum required capital levels as of January 1, 2019 when the Basel III Capital Rules became 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 2018 Form 10-K for a more detailed discussion of the Basel III Capital Rules. After a review of risk-weight classifications during the first quarter of 2019, risk-weightings for certain loans were reclassified. Amounts reported as of December 31, 2018 have been revised to reflect these reclassifications.



	Actual				Minimum Capital Required - Basel III				Required to be Considered Well Capitalized
	Capital Amount		Ratio		Capital Amount		Ratio		Capital Amount		Ratio
March 31, 2019
Common Equity Tier 1 to Risk-Weighted Assets
Cullen/Frost	$	2,710,546	12.34	%	$	1,537,237	7.00	%	$	1,427,434	6.50	%
Frost Bank	2,784,786		12.71		1,533,226		7.00		1,423,709		6.50
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost	2,855,032		13.00		1,866,645		8.50		1,756,842		8.00
Frost Bank	2,784,786		12.71		1,861,774		8.50		1,752,258		8.00
Total Capital to Risk-Weighted Assets
Cullen/Frost	3,224,882		14.68		2,305,856		10.50		2,196,053		10.00
Frost Bank	2,921,636		13.34		2,299,838		10.50		2,190,322		10.00
Leverage Ratio
Cullen/Frost	2,855,032		9.35		1,221,268		4.00		1,526,584		5.00
Frost Bank	2,784,786		9.13		1,220,083		4.00		1,525,104		5.00



	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, 2018
Common Equity Tier 1 to Risk-Weighted Assets
Cullen/Frost	$	2,642,475	12.27	%	$	1,372,573	6.375	%	$	1,507,139	7.00	%	$	1,358,171	6.50	%
Frost Bank	2,743,973		12.78		1,368,701		6.375		1,502,887		7.00		1,354,222		6.50
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost	2,786,961		12.94		1,695,532		7.875		1,830,098		8.50		1,671,595		8.00
Frost Bank	2,743,973		12.78		1,690,748		7.875		1,824,934		8.50		1,666,735		8.00
Total Capital to Risk-Weighted Assets
Cullen/Frost	3,152,593		14.64		2,126,143		9.875		2,260,709		10.50		2,089,494		10.00
Frost Bank	2,876,605		13.40		2,120,144		9.875		2,254,331		10.50		2,083,419		10.00
Leverage Ratio
Cullen/Frost	2,786,961		9.06		1,231,028		4.00		1,231,028		4.00		1,538,785		5.00
Frost Bank	2,743,973		8.93		1,229,650		4.00		1,229,650		4.00		1,537,062		5.00