Regulatory Matters (Tables)

9 Months Ended

Sep. 30, 2012

Actual And Required Capital Ratios

	Actual					Minimum Required for Capital Adequacy Purposes					Required to be Considered Well Capitalized
	Capital Amount		Ratio			Capital Amount		Ratio			Capital Amount		Ratio
September 30, 2012
Total Capital to Risk-Weighted Assets
Cullen/Frost	$	1,912,550		15.62	%	$	979,742		8.00	%	$	1,224,678		10.00	%
Frost Bank		1,705,199		13.93			979,294		8.00			1,224,117		10.00
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost		1,727,149		14.10			489,871		4.00			734,807		6.00
Frost Bank		1,599,798		13.07			489,647		4.00			734,470		6.00
Leverage Ratio
Cullen/Frost		1,727,149		8.59			804,371		4.00			1,005,464		5.00
Frost Bank		1,599,798		7.96			803,878		4.00			1,004,848		5.00
December 31, 2011
Total Capital to Risk-Weighted Assets
Cullen/Frost	$	1,835,428		16.24	%	$	903,970		8.00	%	$	1,129,962		10.00	%
Frost Bank		1,641,921		14.54			903,427		8.00			1,129,284		10.00
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost		1,625,281		14.38			451,985		4.00			677,977		6.00
Frost Bank		1,531,774		13.56			451,713		4.00			677,570		6.00
Leverage Ratio
Cullen/Frost		1,625,281		8.66			750,643		4.00			938,304		5.00
Frost Bank		1,531,774		8.17			750,249		4.00			937,811		5.00