Regulatory Matters (Tables)

6 Months Ended

Jun. 30, 2011

Regulatory Matters

Actual and Required Capital Ratios

	Actual					Minimum Required for Capital Adequacy Purposes					Required to be Well Capitalized Under Prompt Corrective Action Regulations
	Capital Amount		Ratio			Capital Amount		Ratio			Capital Amount		Ratio
June 30, 2011
Total Capital to Risk-Weighted Assets
Cullen/Frost	$	1,784,505		16.42	%	$	869,328		8.00	%		N/A		N/A
Frost Bank		1,608,202		14.81			868,684		8.00		$	1,085,856		10.00	%
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost		1,561,794		14.37			434,664		4.00			N/A		N/A
Frost Bank		1,485,461		13.68			434,342		4.00			651,513		6.00
Leverage Ratio
Cullen/Frost		1,561,794		8.94			698,459		4.00			N/A		N/A
Frost Bank		1,485,461		8.51			697,921		4.00			872,401		5.00
December 31, 2010
Total Capital to Risk-Weighted Assets
Cullen/Frost	$	1,720,691		15.91	%	$	865,081		8.00	%		N/A		N/A
Frost Bank		1,558,977		14.43			864,318		8.00		$	1,080,397		10.00	%
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost		1,494,375		13.82			432,540		4.00			N/A		N/A
Frost Bank		1,432,661		13.26			432,159		4.00			648,238		6.00
Leverage Ratio
Cullen/Frost		1,494,375		8.68			688,880		4.00			N/A		N/A
Frost Bank		1,432,661		8.33			688,196		4.00			860,246		5.00