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Capital and Regulatory Matters (Tables)
6 Months Ended
Jun. 30, 2020
Banking and Thrift [Abstract]  
Actual and Required Capital Ratios
The following table presents actual and required capital ratios as of June 30, 2020 and December 31, 2019 for Cullen/Frost and Frost Bank under the Basel III Capital Rules. 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 2019 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, 2019 have been revised to reflect these reclassifications.
ActualMinimum Capital Required - Basel IIIRequired to be
Considered Well
Capitalized
Capital
Amount
RatioCapital
Amount
RatioCapital
Amount
Ratio
June 30, 2020
Common Equity Tier 1 to Risk-Weighted Assets
Cullen/Frost$2,940,493  12.48 %$1,649,766  7.00 %$1,531,926  6.50 %
Frost Bank2,977,672  12.66  1,646,300  7.00  1,528,707  6.50  
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost2,940,493  12.48  2,003,287  8.50  1,885,447  8.00  
Frost Bank2,977,672  12.66  1,999,078  8.50  1,881,485  8.00  
Total Capital to Risk-Weighted Assets
Cullen/Frost3,401,768  14.43  2,474,649  10.50  2,356,809  10.00  
Frost Bank3,205,947  13.63  2,469,450  10.50  2,351,857  10.00  
Leverage Ratio
Cullen/Frost2,940,493  8.01  1,469,180  4.00  1,836,475  5.00  
Frost Bank2,977,672  8.11  1,468,312  4.00  1,835,391  5.00  
December 31, 2019
Common Equity Tier 1 to Risk-Weighted Assets
Cullen/Frost$2,857,250  12.36 %$1,617,886  7.00 %$1,502,323  6.50 %
Frost Bank2,958,326  12.82  1,615,206  7.00  1,499,834  6.50  
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost3,001,736  12.99  1,964,576  8.50  1,849,013  8.00  
Frost Bank2,958,326  12.82  1,961,322  8.50  1,845,950  8.00  
Total Capital to Risk-Weighted Assets
Cullen/Frost3,367,403  14.57  2,426,829  10.50  2,311,266  10.00  
Frost Bank3,090,993  13.40  2,422,809  10.50  2,307,438  10.00  
Leverage Ratio
Cullen/Frost3,001,736  9.28  1,293,188  4.00  1,616,485  5.00  
Frost Bank2,958,326  9.15  1,292,743  4.00  1,615,929  5.00