0000039263-19-000039.txt : 20190725 0000039263-19-000039.hdr.sgml : 20190725 20190725110614 ACCESSION NUMBER: 0000039263-19-000039 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20190725 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20190725 DATE AS OF CHANGE: 20190725 FILER: COMPANY DATA: COMPANY CONFORMED NAME: CULLEN/FROST BANKERS, INC. CENTRAL INDEX KEY: 0000039263 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 741751768 STATE OF INCORPORATION: TX FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-13221 FILM NUMBER: 19973113 BUSINESS ADDRESS: STREET 1: 111 W HOUSTON ST CITY: SAN ANTONIO STATE: TX ZIP: 78205 BUSINESS PHONE: 210-220-4011 MAIL ADDRESS: STREET 1: POST OFFICE BOX 1600 CITY: SAN ANTONIO STATE: TX ZIP: 78296-1600 FORMER COMPANY: FORMER CONFORMED NAME: CULLEN FROST BANKERS INC DATE OF NAME CHANGE: 19920703 FORMER COMPANY: FORMER CONFORMED NAME: FROST BANK CORP DATE OF NAME CHANGE: 19770823 8-K 1 a2q19form8k-earningsre.htm 8-K - SECOND QUARTER 2019 EARNINGS RELEASE Document
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United States
Securities and Exchange Commission
Washington, D.C. 20549
Form 8-K


CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): July 25, 2019
Cullen/Frost Bankers, Inc.
(Exact name of registrant as specified in its charter)
Texas
 
001-13221
 
74-1751768
(State or other jurisdiction of incorporation or organization)
 
(Commission File Number)
 
(I.R.S. Employer Identification No.)
111 W. Houston Street,
San Antonio,
Texas
 
78205
(Address of principal executive offices)
 
(Zip code)
 
(210)
220-4011
 
(Registrant's telephone number, including area code)
 
100 W. Houston Street,
San Antonio,
Texas
78205
 
(Former name, former address and former fiscal year, if changed since last report
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:
Title of each class
 
Trading Symbol(s)
 
Name of each exchange on
which registered
 
 
 
 
 
Common Stock, $.01 Par Value
 
CFR
 
New York Stock Exchange
5.375% Non-Cumulative Perpetual Preferred Stock, Series A
 
CFR.PRA
 
New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company    ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.    ☐




Item 2.02    Results of Operations and Financial Condition

Attached as Exhibit 99.1 and incorporated into this item by reference is a press release issued by the Registrant on July 25, 2019 regarding its financial results for the quarter ended June 30, 2019. The information furnished by the Registrant pursuant to this item shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, or otherwise subject to the liability of that section, and shall not be deemed to be incorporated by reference into any filing under the Securities Act of 1933 or the Securities Exchange Act of 1934.


Item 9.01    Financial Statements and Exhibits

(d)   Exhibits:

99.1
Press Release dated July 25, 2019 with respect to the Registrant's financial results for the quarter ended June 30, 2019.







SIGNATURES


Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CULLEN/FROST BANKERS, INC.



By:    /s/ Jerry Salinas    
Jerry Salinas
Group Executive Vice President
and Chief Financial Officer


Dated:    July 25, 2019
 




EXHIBIT INDEX











 EX-99.1 2 a2q19form8-kxexhibit99.htm EXHIBIT 99.1 - 2019 SECOND QUARTER EARNINGS RELEASE Exhibit



Exhibit 99.1


A.B. Mendez
Investor Relations
210.220.5234
or
Bill Day
Media Relations
210.220.5427


FOR IMMEDIATE RELEASE    
July 25, 2019



CULLEN/FROST REPORTS SECOND QUARTER RESULTS
Board declares third quarter dividend on common and preferred stock,
and authorizes $100 million stock repurchase program



SAN ANTONIO -- Cullen/Frost Bankers, Inc. (NYSE:CFR) today reported second quarter 2019 results. Net income available to common shareholders for the second quarter of 2019 was $109.6 million, compared to $109.3 million in the second quarter of 2018. On a per-share basis, net income available to common shareholders for the second quarter of 2019 was $1.72 per diluted common share, compared to $1.68 per diluted common share reported a year earlier. Returns on average assets and average common equity were 1.40 percent and 12.60 percent, respectively, for the second quarter of 2019 compared to 1.43 percent and 14.03 percent, respectively, for the same period a year earlier.

For the second quarter of 2019, net interest income on a taxable-equivalent basis was $277.8 million, up 6.6 percent compared to the same quarter in 2018. Average loans for the second quarter of 2019 increased $838.6 million, or 6.2 percent, to $14.4 billion, from the $13.5 billion reported for the second quarter a year earlier. Average deposits for the quarter were $26.0 billion, basically flat compared to the $26.1 billion reported for last year's second quarter.





“Frost bankers' commitment to sustainable, organic growth has resulted in another solid quarter,” said Cullen/Frost Chairman and CEO Phil Green. “During the second quarter, we continued our expansion in the Houston
market by opening two more new financial centers, and after six years of planning and implementation, we also moved to our new corporate headquarters in San Antonio.”

For the first six months of 2019, net income available to common shareholders was $224.1 million, up 4.8 percent compared to $213.8 million for the first six months of 2018. Diluted EPS available to common shareholders for the first six months of 2019 was $3.51 compared to $3.30 in the year-earlier period, representing an increase of 6.4 percent. Returns on average assets and average common equity for the first six months of 2019 were 1.44 percent and 13.32 percent, respectively, compared to 1.39 percent and 13.83 percent, respectively, for the same period in 2018.

Noted financial data for the second quarter of 2019 follows:

•
The Common Equity Tier 1, Tier 1 and Total Risk-Based Capital Ratios at the end of the second quarter of 2019 were 12.29 percent, 12.94 percent and 14.60 percent, respectively, and continue to be in excess of well-capitalized levels and exceed Basel III minimum requirements.

•
Net interest income on a taxable-equivalent basis was $277.8 million, an increase of 6.6 percent over the prior year period. Net interest margin was 3.85 percent for the second quarter of 2019, up 6 basis points over the first quarter of 2019 net interest margin of 3.79 percent.

•
Non-interest income for the second quarter of 2019 totaled $82.6 million, a decrease of $2.4 million, or 2.9 percent, from the $85.1 million reported for the second quarter of 2018. Trust and investment management fees were $30.4 million, up $1.3 million, or 4.6 percent, from the second quarter of 2018. The increase in trust and investment management fees was primarily the result of an increase in trust investment fees due to higher average equity valuations and an increase in the number of accounts. Insurance commissions and fees of $10.1 million decreased $438,000, or 4.1 percent, from the previous year. The decrease in commission income during the second quarter was primarily related to a decrease in

2


benefit plan commissions due to fluctuations in business volumes. Other non-interest income in the second quarter of 2019 was $7.3 million, down $4.3 million compared to the second quarter of 2018. The decrease was primarily related to other income recorded in the year-ago period from recoveries of prior write-offs ($1.7 million), distributions on private equity investments ($1.2 million), and gains on the sale of various branch and operational facilities ($502,000).
•
Non-interest expense was $203.2 million for the quarter, up $14.3 million, or 7.6 percent, compared to the $188.9 million reported for the second quarter a year earlier. Total salaries and wages rose $5.6 million, or 6.6 percent, to $90.8 million, primarily due to an increase in the number of employees and normal annual merit and market increases. Employee benefits expense increased $2.1 million, or 12.0 percent, compared to the second quarter of 2018. The increase was primarily related to increases in medical benefits expense (up $562,000), expenses related to our defined benefit retirement plans (up $585,000) and expenses related to our 401(k) plan (up $505,000). Other non-interest expense increased $5.4 million, or 13.2 percent, compared to the second quarter of 2018. The increase was mainly driven by increases in advertising and sponsorships (up $3.3 million); platform fees related to investment services (up $1.0 million); and travel, meals and entertainment expense (up $1.0 million). Second quarter net occupancy expense increased by $1.7 million, or 8.6 percent, compared to the same period in 2018, primarily driven by a $1.8 million increase in lease expenses impacted by our move in June to our new corporate headquarters building in San Antonio and other leases related to existing facilities and our expansion within the Houston market area. Technology, furniture and equipment expense for the second quarter increased by $1.7 million, or 8.3 percent, from the second quarter of 2018. The increase was primarily driven by a $1.5 million increase in software maintenance expense.
•
For the second quarter of 2019, the provision for loan losses was $6.4 million, compared to net charge-offs of $7.8 million. This compares with $11.0 million in provisions and $6.8 million in net charge-offs for the first quarter of 2019, and $8.3 million in provisions and $7.9 million in net charge-offs in the second quarter of 2018. The allowance for loan losses as a percentage of total loans was 0.93 percent at June 30, 2019 compared to 0.95 percent at the end of the first quarter of 2019 and 1.10 percent at the end of the second quarter of 2018. Non-performing assets were $76.4 million at the end of the second quarter

3


of 2019, compared to $97.4 million at the end of the first quarter of 2019 and $122.8 million at the end of the second quarter of 2018.

The Cullen/Frost board declared a third-quarter cash dividend of $0.71 per common share, representing a 6.0 percent increase over the previous year's dividend, payable September 13, 2019 to shareholders of record on August 30 of this year. The board of directors declared a cash dividend of $.3359375 per share of the Noncumulative Perpetual Preferred Stock, Series A, which is traded on the NYSE under the symbol "CFR PrA." The Series A Preferred Stock dividend is payable on September 16, 2019, to shareholders of record on August 30 of this year.

In addition, the Corporation's board of directors authorized a new $100.0 million stock repurchase plan. Under the plan, shares may be repurchased over a one-year period.

Cullen/Frost Bankers, Inc. will host a conference call on Thursday, July 25, 2019, at 10 a.m. Central Time (CT) to discuss the results for the quarter. The media and other interested parties are invited to access the call in a “listen only” mode at 1-800-944-6430 or via webcast on our investor relations website linked below.
Playback of the conference call will be available after 2 p.m. CT on the day of the call until midnight Sunday, July 28, 2019 at 855-859-2056 with Conference ID # of 1479579. The call will also be available by webcast at the URL listed below after 2 p.m. CT on the day of the call.
Cullen/Frost investor relations website: www.frostbank.com/investor-relations/

Cullen/Frost Bankers, Inc. (NYSE: CFR) is a financial holding company, headquartered in San Antonio, with $31.8 billion in assets at June 30, 2019. One of the 60 largest U.S. banks, Frost provides a wide range of banking, investments and insurance services to businesses and individuals across Texas in the Austin, Corpus Christi, Dallas, Fort Worth, Houston, Permian Basin, Rio Grande Valley and San Antonio regions. Founded in 1868, Frost has helped clients with their financial needs during three centuries. Additional information is available at www.frostbank.com.

4


Forward-Looking Statements and Factors that Could Affect Future Results

Certain statements contained in this Earnings Release that are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 (the “Act”), notwithstanding that such statements are not specifically identified as such. In addition, certain statements may be contained in our future filings with the SEC, in press releases, and in oral and written statements made by us or with our approval that are not statements of historical fact and constitute forward-looking statements within the meaning of the Act. Examples of forward-looking statements include, but are not limited to: (i) projections of revenues, expenses, income or loss, earnings or loss per share, the payment or nonpayment of dividends, capital structure and other financial items; (ii) statements of plans, objectives and expectations of Cullen/Frost or its management or Board of Directors, including those relating to products, services or operations; (iii) statements of future economic performance; and (iv) statements of assumptions underlying such statements. Words such as “believes”, “anticipates”, “expects”, “intends”, “targeted”, “continue”, “remain”, “will”, “should”, “may” and other similar expressions are intended to identify forward-looking statements but are not the exclusive means of identifying such statements.
Forward-looking statements involve risks and uncertainties that may cause actual results to differ materially from those in such statements. Factors that could cause actual results to differ from those discussed in the forward-looking statements include, but are not limited to:
•
Local, regional, national and international economic conditions and the impact they may have on us and our customers and our assessment of that impact.
•
Volatility and disruption in national and international financial and commodity markets.
•
Government intervention in the U.S. financial system.
•
Changes in the mix of loan geographies, sectors and types or the level of non-performing assets and charge-offs.
•
Changes in estimates of future reserve requirements based upon the periodic review thereof under relevant regulatory and accounting requirements.
•
The effects of and changes in trade and monetary and fiscal policies and laws, including the interest rate policies of the Federal Reserve Board.
•
Inflation, interest rate, securities market and monetary fluctuations.
•
The effect of changes in laws and regulations (including laws and regulations concerning taxes, banking, securities and insurance) with which we and our subsidiaries must comply.
•
The soundness of other financial institutions.
•
Political instability.
•
Impairment of our goodwill or other intangible assets.
•
Acts of God or of war or terrorism.
•
The timely development and acceptance of new products and services and perceived overall value of these products and services by users.
•
Changes in consumer spending, borrowings and savings habits.
•
Changes in the financial performance and/or condition of our borrowers.
•
Technological changes.
•
The cost and effects of failure, interruption, or breach of security of our systems.
•
Acquisitions and integration of acquired businesses.
•
Our ability to increase market share and control expenses.
•
Our ability to attract and retain qualified employees.
•
Changes in the competitive environment in our markets and among banking organizations and other financial service providers.
•
The effect of changes in accounting policies and practices, as may be adopted by the regulatory agencies, as well as the Public Company Accounting Oversight Board, the Financial Accounting Standards Board and other accounting standard setters.
•
Changes in the reliability of our vendors, internal control systems or information systems.
•
Changes in our liquidity position.
•
Changes in our organization, compensation and benefit plans.
•
The costs and effects of legal and regulatory developments, the resolution of legal proceedings or regulatory or other governmental inquiries, the results of regulatory examinations or reviews and the ability to obtain required regulatory approvals.
•
Greater than expected costs or difficulties related to the integration of new products and lines of business.
•
Our success at managing the risks involved in the foregoing items.

Forward-looking statements speak only as of the date on which such statements are made. We do not undertake any obligation to update any forward-looking statement to reflect events or circumstances after the date on which such statement is made, or to reflect the occurrence of unanticipated events.


5


Cullen/Frost Bankers, Inc.
CONSOLIDATED FINANCIAL SUMMARY (UNAUDITED)
(In thousands, except per share amounts)
 
 
 
 
 
 
 
 
 
 
 
2019
 
2018
 
2nd Qtr
 
1st Qtr
 
4th Qtr
 
3rd Qtr
 
2nd Qtr
CONDENSED INCOME STATEMENTS
 
 
 
 
 
 
 
 
 
Net interest income
$
253,431

 
$
246,469

 
$
249,209

 
$
241,665

 
$
237,270

Net interest income (1)
277,751

 
271,179

 
273,810

 
265,687

 
260,531

Provision for loan losses
6,400

 
11,003

 
3,767

 
2,650

 
8,251

Non-interest income:
 
 
 
 
 
 
 
 
 
Trust and investment management fees
30,448

 
31,697

 
29,882

 
30,801

 
29,121

Service charges on deposit accounts
21,798

 
20,790

 
21,632

 
21,569

 
21,142

Insurance commissions and fees
10,118

 
18,406

 
11,394

 
11,037

 
10,556

Interchange and debit card transaction fees
3,868

 
3,280

 
3,774

 
3,499

 
3,446

Other charges, commissions and fees
8,933

 
9,062

 
9,371

 
9,580

 
9,273

Net gain (loss) on securities transactions
169

 
—

 
(43
)
 
(34
)
 
(60
)
Other
7,304

 
13,550

 
11,108

 
11,205

 
11,588

Total non-interest income
82,638

 
96,785

 
87,118

 
87,657

 
85,066

 
 
 
 
 
 
 
 
 
 
Non-interest expense:
 
 
 
 
 
 
 
 
 
Salaries and wages
90,790

 
92,476

 
90,878

 
87,547

 
85,204

Employee benefits
20,051

 
23,526

 
19,066

 
18,355

 
17,907

Net occupancy
21,133

 
19,267

 
17,699

 
19,894

 
19,455

Technology, furniture and equipment
22,157

 
21,664

 
21,960

 
21,004

 
20,459

Deposit insurance
2,453

 
2,808

 
2,219

 
4,694

 
4,605

Intangible amortization
305

 
325

 
331

 
336

 
369

Other
46,320

 
41,734

 
47,544

 
41,838

 
40,909

Total non-interest expense
203,209

 
201,800

 
199,697

 
193,668

 
188,908

Income before income taxes
126,460

 
130,451

 
132,863

 
133,004

 
125,177

Income taxes
14,874

 
13,955

 
13,610

 
15,160

 
13,836

Net income
111,586

 
116,496

 
119,253

 
117,844

 
111,341

Preferred stock dividends
2,015

 
2,016

 
2,016

 
2,016

 
2,015

Net income available to common shareholders
$
109,571

 
$
114,480

 
$
117,237

 
$
115,828

 
$
109,326

 
 
 
 
 
 
 
 
 
 
PER COMMON SHARE DATA
 
 
 
 
 
 
 
 
 
Earnings per common share - basic
$
1.73

 
$
1.80

 
$
1.84

 
$
1.80

 
$
1.70

Earnings per common share - diluted
1.72

 
1.79

 
1.82

 
1.78

 
1.68

Cash dividends per common share
0.71

 
0.67

 
0.67

 
0.67

 
0.67

Book value per common share at end of quarter
57.42

 
54.68

 
51.19

 
49.49

 
49.53

 
 
 
 
 
 
 
 
 
 
OUTSTANDING COMMON SHARES
 
 
 
 
 
 
 
 
 
Period-end common shares
62,638

 
63,081

 
62,986

 
63,923

 
63,904

Weighted-average common shares - basic
62,789

 
63,009

 
63,441

 
63,892

 
63,837

Dilutive effect of stock compensation
765

 
819

 
811

 
1,022

 
1,062

Weighted-average common shares - diluted
63,554

 
63,828

 
64,252

 
64,914

 
64,899

 
 
 
 
 
 
 
 
 
 
SELECTED ANNUALIZED RATIOS
 
 
 
 
 
 
 
 
 
Return on average assets
1.40
%
 
1.48
%
 
1.48
%
 
1.49
%
 
1.43
%
Return on average common equity
12.60

 
14.08

 
14.85

 
14.40

 
14.03

Net interest income to average earning assets
3.85

 
3.79

 
3.72

 
3.66

 
3.64

 
 
 
 
 
 
 
 
 
 
(1) Taxable-equivalent basis assuming a 21% tax rate.

6


Cullen/Frost Bankers, Inc.
CONSOLIDATED FINANCIAL SUMMARY (UNAUDITED)
 
 
2019
 
2018
 
2nd Qtr
 
1st Qtr
 
4th Qtr
 
3rd Qtr
 
2nd Qtr
BALANCE SHEET SUMMARY
 
 
 
 
 
 
 
 
 
($ in millions)
 
 
 
 
 
 
 
 
 
Average Balance:
 
 
 
 
 
 
 
 
 
Loans
$
14,375

 
$
14,205

 
$
13,949

 
$
13,683

 
$
13,537

Earning assets
29,114

 
28,954

 
29,153

 
28,796

 
28,647

Total assets
31,491

 
31,356

 
31,330

 
30,918

 
30,758

Non-interest-bearing demand deposits
10,148

 
10,193

 
10,740

 
10,690

 
10,629

Interest-bearing deposits
15,845

 
15,919

 
15,767

 
15,462

 
15,440

Total deposits
25,993

 
26,112

 
26,507

 
26,152

 
26,069

Shareholders' equity
3,632

 
3,441

 
3,277

 
3,335

 
3,270

 
 
 
 
 
 
 
 
 
 
Period-End Balance:
 
 
 
 
 
 
 
 
 
Loans
$
14,459

 
$
14,406

 
$
14,100

 
$
13,815

 
$
13,712

Earning assets
29,218

 
29,283

 
29,894

 
29,042

 
28,494

Goodwill and intangible assets
658

 
658

 
659

 
659

 
659

Total assets
31,819

 
31,665

 
32,293

 
31,223

 
30,687

Total deposits
25,985

 
26,295

 
27,149

 
26,349

 
25,996

Shareholders' equity
3,741

 
3,594

 
3,369

 
3,308

 
3,310

Adjusted shareholders' equity (1)
3,522

 
3,500

 
3,433

 
3,449

 
3,373

 
 
 
 
 
 
 
 
 
 
ASSET QUALITY
 
 
 
 
 
 
 
 
 
($ in thousands)
 
 
 
 
 
 
 
 
 
Allowance for loan losses:
$
134,929

 
$
136,350

 
$
132,132

 
$
137,578

 
$
150,226

As a percentage of period-end loans
0.93
%
 
0.95
%
 
0.94
%
 
1.00
%
 
1.10
%
 
 
 
 
 
 
 
 
 
 
Net charge-offs:
$
7,821

 
$
6,785

 
$
9,213

 
$
15,298

 
$
7,910

Annualized as a percentage of average loans
0.22
%
 
0.19
%
 
0.26
%
 
0.44
%
 
0.23
%
 
 
 
 
 
 
 
 
 
 
Non-performing assets:
 
 
 
 
 
 
 
 
 
Non-accrual loans
$
71,521

 
$
92,162

 
$
73,739

 
$
82,601

 
$
119,181

Restructured loans
3,973

 
4,028

 
—

 
—

 
—

Foreclosed assets
907

 
1,175

 
1,175

 
3,765

 
3,643

Total
$
76,401

 
$
97,365

 
$
74,914

 
$
86,366

 
$
122,824

As a percentage of:
 
 
 
 
 
 
 
 
 
Total loans and foreclosed assets
0.53
%
 
0.68
%
 
0.53
%
 
0.62
%
 
0.90
%
Total assets
0.24

 
0.31

 
0.23

 
0.28

 
0.40

 
 
 
 
 
 
 
 
 
 
CONSOLIDATED CAPITAL RATIOS
 
 
 
 
 
 
 
 
 
Common Equity Tier 1 Risk-Based Capital Ratio (2)
12.29
%
 
12.34
%
 
12.27
%
 
12.56
%
 
12.33
%
Tier 1 Risk-Based Capital Ratio (2)
12.94

 
13.00

 
12.94

 
13.24

 
13.02

Total Risk-Based Capital Ratio (2)
14.60

 
14.68

 
14.64

 
14.99

 
14.85

Leverage Ratio
9.40

 
9.35

 
9.06

 
9.19

 
9.02

Equity to Assets Ratio (period-end)
11.76

 
11.35

 
10.43

 
10.60

 
10.78

Equity to Assets Ratio (average)
11.53

 
10.97

 
10.46

 
10.79

 
10.63

 
 
 
 
 
 
 
 
 
 
(1) Shareholders' equity excluding accumulated other comprehensive income (loss).
 
(2) After a review of risk-weight classifications during the first quarter of 2019, risk-weightings for certain loans were reclassified. Amounts reported prior to March 31, 2019 have been revised to reflect these reclassifications.



7


Cullen/Frost Bankers, Inc.
CONSOLIDATED FINANCIAL SUMMARY (UNAUDITED)
(In thousands, except per share amounts)
 
 
 
 
 
 
 
Six Months Ended
 
 
 
 
 
 
 
June 30,
 
 
 
 
 
 
 
2019
 
2018
CONDENSED INCOME STATEMENTS
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net interest income
 
 
 
 
 
 
$
499,900

 
$
467,018

Net interest income (1)
 
 
 
 
 
 
548,930

 
513,067

Provision for loan losses
 
 
 
 
 
 
17,403

 
15,196

Non-interest income:
 
 
 
 
 
 
 
 
 
Trust and investment management fees
 
 
 
 
 
 
62,145

 
58,708

Service charges on deposit accounts
 
 
 
 
 
 
42,588

 
41,985

Insurance commissions and fees
 
 
 
 
 
 
28,524

 
26,536

Interchange and debit card transaction fees
 
 
 
 
 
 
7,148

 
6,604

Other charges, commissions and fees
 
 
 
 
 
 
17,995

 
18,280

Net gain (loss) on securities transactions
 
 
 
 
 
 
169

 
(79
)
Other
 
 
 
 
 
 
20,854

 
24,477

Total non-interest income
 
 
 
 
 
 
179,423

 
176,511

 
 
 
 
 
 
 
 
 
 
Non-interest expense:
 
 
 
 
 
 
 
 
 
Salaries and wages
 
 
 
 
 
 
183,266

 
171,887

Employee benefits
 
 
 
 
 
 
43,577

 
39,902

Net occupancy
 
 
 
 
 
 
40,400

 
39,195

Furniture and equipment
 
 
 
 
 
 
43,821

 
40,138

Deposit insurance
 
 
 
 
 
 
5,261

 
9,484

Intangible amortization
 
 
 
 
 
 
630

 
757

Other (2)
 
 
 
 
 
 
88,054

 
84,156

Total non-interest expense (2)
 
 
 
 
 
 
405,009

 
385,519

Income before income taxes
 
 
 
 
 
 
256,911

 
242,814

Income taxes
 
 
 
 
 
 
28,829

 
24,993

Net income
 
 
 
 
 
 
228,082

 
217,821

Preferred stock dividends
 
 
 
 
 
 
4,031

 
4,031

Net income available to common shareholders
 
 
 
 
 
 
$
224,051

 
$
213,790

 
 
 
 
 
 
 
 
 
 
PER COMMON SHARE DATA
 
 
 
 
 
 
 
 
 
Earnings per common share - basic
 
 
 
 
 
 
$
3.53

 
$
3.33

Earnings per common share - diluted
 
 
 
 
 
 
3.51

 
3.30

Cash dividends per common share
 
 
 
 
 
 
1.38

 
1.24

Book value per common share at end of quarter
 
 
 
 
 
 
57.42

 
49.53

 
 
 
 
 
 
 
 
 
 
OUTSTANDING COMMON SHARES
 
 
 
 
 
 
 
 
 
Period-end common shares
 
 
 
 
 
 
62,638

 
63,904

Weighted-average common shares - basic
 
 
 
 
 
 
62,899

 
63,743

Dilutive effect of stock compensation
 
 
 
 
 
 
791

 
1,044

Weighted-average common shares - diluted
 
 
 
 
 
 
63,690

 
64,787

 
 
 
 
 
 
 
 
 
 
SELECTED ANNUALIZED RATIOS
 
 
 
 
 
 
 
 
 
Return on average assets
 
 
 
 
 
 
1.44
%
 
1.39
%
Return on average common equity
 
 
 
 
 
 
13.32

 
13.83

Net interest income to average earning assets (1)
 
 
 
 
 
 
3.82

 
3.58

 
 
 
 
 
 
 
 
 
 
(1) Taxable-equivalent basis assuming a 21% tax rate.
 

8


Cullen/Frost Bankers, Inc.
CONSOLIDATED FINANCIAL SUMMARY (UNAUDITED)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
As of or for the
 
 
 
 
 
 
 
Six Months Ended
 
 
 
 
 
 
 
June 30,
 
 
 
 
 
 
 
2019
 
2018
BALANCE SHEET SUMMARY ($ in millions)
 
 
 
 
 
 
 
 
 
Average Balance:
 
 
 
 
 
 
 
 
 
Loans
 
 
 
 
 
 
$
14,291

 
$
13,416

Earning assets
 
 
 
 
 
 
29,035

 
28,824

Total assets
 
 
 
 
 
 
31,391

 
30,940

Non-interest-bearing demand deposits
 
 
 
 
 
 
10,170

 
10,799

Interest-bearing deposits
 
 
 
 
 
 
15,882

 
15,449

Total deposits
 
 
 
 
 
 
26,052

 
26,248

Shareholders' equity
 
 
 
 
 
 
3,537

 
3,263

 
 
 
 
 
 
 
 
 
 
Period-End Balance:
 
 
 
 
 
 
 
 
 
Loans
 
 
 
 
 
 
$
14,459

 
$
13,712

Earning assets
 
 
 
 
 
 
29,218

 
28,494

Goodwill and intangible assets
 
 
 
 
 
 
658

 
659

Total assets
 
 
 
 
 
 
31,819

 
30,687

Total deposits
 
 
 
 
 
 
25,985

 
25,996

Shareholders' equity
 
 
 
 
 
 
3,741

 
3,310

Adjusted shareholders' equity (1)
 
 
 
 
 
 
3,522

 
3,373

 
 
 
 
 
 
 
 
 
 
ASSET QUALITY ($ in thousands)
 
 
 
 
 
 
 
 
 
Allowance for loan losses:
 
 
 
 
 
 
$
134,929

 
$
150,226

As a percentage of period-end loans
 
 
 
 
 
 
0.93
%
 
1.10
%
 
 
 
 
 
 
 
 
 
 
Net charge-offs:
 
 
 
 
 
 
$
14,606

 
$
20,334

Annualized as a percentage of average loans
 
 
 
 
 
 
0.21
%
 
0.31
%
 
 
 
 
 
 
 
 
 
 
Non-performing assets:
 
 
 
 
 
 
 
 
 
Non-accrual loans
 
 
 
 
 
 
$
71,521

 
$
119,181

Restructured loans
 
 
 
 
 
 
3,973

 
—

Foreclosed assets
 
 
 
 
 
 
907

 
3,643

Total
 
 
 
 
 
 
$
76,401

 
$
122,824

As a percentage of:
 
 
 
 
 
 
 
 
 
Total loans and foreclosed assets
 
 
 
 
 
 
0.53
%
 
0.90
%
Total assets
 
 
 
 
 
 
0.24

 
0.40

 
 
 
 
 
 
 
 
 
 
CONSOLIDATED CAPITAL RATIOS
 
 
 
 
 
 
 
 
 
Common Equity Tier 1 Risk-Based Capital Ratio (2)
 
 
 
 
 
12.29
%
 
12.33
%
Tier 1 Risk-Based Capital Ratio (2)
 
 
 
 
 
 
12.94

 
13.02

Total Risk-Based Capital Ratio (2)
 
 
 
 
 
 
14.60

 
14.85

Leverage Ratio
 
 
 
 
 
 
9.40

 
9.02

Equity to Assets Ratio (period-end)
 
 
 
 
 
 
11.76

 
10.78

Equity to Assets Ratio (average)
 
 
 
 
 
 
11.27

 
10.55

 
 
 
 
 
 
 
 
 
 
(1) Shareholders' equity excluding accumulated other comprehensive income (loss).
 
(2) After a review of risk-weight classifications during the first quarter of 2019, risk-weightings for certain loans were reclassified. Amounts reported prior to March 31, 2019 have been revised to reflect these reclassifications.


9


Cullen/Frost Bankers, Inc.
TAXABLE-EQUIVALENT YIELD/COST AND AVERAGE BALANCES (UNAUDITED)
 
 
2019
 
2018
 
2nd Qtr
 
1st Qtr
 
4th Qtr
 
3rd Qtr
 
2nd Qtr
TAXABLE-EQUIVALENT YIELD/COST (1)
 
 
 
 
 
 
 
 
 
Earning Assets:
 
 
 
 
 
 
 
 
 
Interest-bearing deposits
2.64
%
 
2.50
%
 
2.35
%
 
2.05
%
 
1.93
%
Federal funds sold and resell agreements
2.48

 
2.58

 
2.41

 
2.14

 
1.92

Securities
3.42

 
3.37

 
3.39

 
3.41

 
3.36

Loans, net of unearned discounts
5.34

 
5.33

 
5.20

 
5.04

 
4.90

Total earning assets
4.33

 
4.27

 
4.15

 
4.04

 
3.93

 
 
 
 
 
 
 
 
 
 
Interest-Bearing Liabilities:
 
 
 
 
 
 
 
 
 
Interest-bearing deposits:
 
 
 
 
 
 
 
 
 
Savings and interest checking
0.08

 
0.09

 
0.08

 
0.09

 
0.08

Money market deposit accounts
1.03

 
1.09

 
1.00

 
0.93

 
0.74

Time accounts
1.66

 
1.43

 
1.14

 
0.87

 
0.66

Public funds
1.51

 
1.39

 
1.31

 
1.11

 
0.99

Total interest-bearing deposits
0.68

 
0.69

 
0.63

 
0.57

 
0.46

 
 
 
 
 
 
 
 
 
 
Total deposits
0.41

 
0.42

 
0.37

 
0.34

 
0.27

 
 
 
 
 
 
 
 
 
 
Federal funds purchased and repurchase agreements
1.69

 
1.72

 
1.56

 
0.90

 
0.25

Junior subordinated deferrable interest debentures
4.34

 
4.40

 
4.24

 
4.09

 
3.85

Subordinated notes payable and other notes
4.71

 
4.72

 
4.72

 
4.72

 
4.72

Total interest-bearing liabilities
0.80

 
0.81

 
0.74

 
0.64

 
0.50

 
 
 
 
 
 
 
 
 
 
Net interest spread
3.53

 
3.46

 
3.41

 
3.40

 
3.43

Net interest income to total average earning assets
3.85

 
3.79

 
3.72

 
3.66

 
3.64

 
 
 
 
 
 
 
 
 
 
AVERAGE BALANCES
 
 
 
 
 
 
 
 
 
($ in millions)
 
 
 
 
 
 
 
 
 
Assets:
 
 
 
 
 
 
 
 
 
Interest-bearing deposits
$
1,171

 
$
1,729

 
$
2,452

 
$
2,799

 
$
2,885

Federal funds sold and resell agreements
246

 
250

 
317

 
260

 
296

Securities
13,322

 
12,770

 
12,435

 
12,053

 
11,928

Loans, net of unearned discount
14,375

 
14,205

 
13,949

 
13,683

 
13,537

Total earning assets
$
29,114

 
$
28,954

 
$
29,153

 
$
28,796

 
$
28,647

 
 
 
 
 
 
 
 
 
 
Liabilities:
 
 
 
 
 
 
 
 
 
Interest-bearing deposits:
 
 
 
 
 
 
 
 
 
Savings and interest checking
$
6,774

 
$
6,774

 
$
6,673

 
$
6,675

 
$
6,688

Money market deposit accounts
7,588

 
7,696

 
7,792

 
7,620

 
7,578

Time accounts
970

 
895

 
836

 
799

 
787

Public funds
513

 
554

 
467

 
369

 
387

Total interest-bearing deposits
15,845

 
15,919

 
15,767

 
15,462

 
15,440

 
 
 
 
 
 
 
 
 
 
Total deposits
25,993

 
26,112

 
26,507

 
26,152

 
26,069

 
 
 
 
 
 
 
 
 
 
Federal funds purchased and repurchase agreements
1,242

 
1,180

 
1,138

 
1,011

 
1,020

Junior subordinated deferrable interest debentures
136

 
136

 
136

 
136

 
136

Subordinated notes payable and other notes
99

 
99

 
99

 
99

 
99

Total interest-bearing funds
$
17,322

 
$
17,334

 
$
17,140

 
$
16,708

 
$
16,695

 
 
 
 
 
 
 
 
 
 
(1) Taxable-equivalent basis assuming a 21% tax rate.


10
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