Capital and Regulatory Matters (Tables)

3 Months Ended

Mar. 31, 2013

Actual and Required Capital Ratios

Actual and required capital ratios for Cullen/Frost and Frost Bank were as follows:

	Actual					Minimum Required for Capital Adequacy Purposes					Required to be Considered Well Capitalized
	Capital Amount		Ratio			Capital Amount		Ratio			Capital Amount		Ratio
March 31, 2013
Total Capital to Risk-Weighted Assets
Cullen/Frost	$	1,967,401		15.44	%	$	1,019,653		8.00	%	$	1,274,566		10.00	%
Frost Bank		1,740,052		13.66			1,019,045		8.00			1,273,806		10.00
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost		1,813,812		14.23			509,826		4.00			764,739		6.00
Frost Bank		1,646,463		12.93			509,522		4.00			764,283		6.00
Leverage Ratio
Cullen/Frost		1,813,812		8.42			861,796		4.00			1,077,245		5.00
Frost Bank		1,646,463		7.65			861,162		4.00			1,076,453		5.00
December 31, 2012
Total Capital to Risk-Weighted Assets
Cullen/Frost	$	1,947,974		15.11	%	$	1,031,526		8.00	%	$	1,289,408		10.00	%
Frost Bank		1,730,444		13.43			1,030,878		8.00			1,288,597		10.00
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost		1,763,521		13.68			515,763		4.00			773,645		6.00
Frost Bank		1,625,991		12.62			515,439		4.00			773,158		6.00
Leverage Ratio
Cullen/Frost		1,763,521		8.28			851,483		4.00			1,064,354		5.00
Frost Bank		1,625,991		7.64			850,954		4.00			1,063,693		5.00