Capital and Regulatory Matters (Tables)

3 Months Ended

Mar. 31, 2014

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, 2014
Total Capital to Risk-Weighted Assets
Cullen/Frost	$	2,143,633	15.38	%	$	1,114,668	8.00	%	$	1,393,334	10.00	%
Frost Bank	1,812,731		13.04		1,112,278		8.00		1,390,347		10.00
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost	2,008,477		14.41		557,334		4.00		836,001		6.00
Frost Bank	1,738,154		12.50		556,139		4.00		834,208		6.00
Leverage Ratio
Cullen/Frost	2,008,477		8.59		935,707		4.00		1,169,634		5.00
Frost Bank	1,738,154		7.45		933,117		4.00		1,166,397		5.00
December 31, 2013
Total Capital to Risk-Weighted Assets
Cullen/Frost	$	2,110,774	15.52	%	$	1,088,349	8.00	%	$	1,360,437	10.00	%
Frost Bank	1,780,313		13.12		1,085,447		8.00		1,356,809		10.00
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost	1,958,336		14.39		544,175		4.00		816,262		6.00
Frost Bank	1,707,307		12.58		542,724		4.00		814,085		6.00
Leverage Ratio
Cullen/Frost	1,958,336		8.49		922,728		4.00		1,153,410		5.00
Frost Bank	1,707,307		7.42		920,107		4.00		1,150,134		5.00

- Definition

Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.

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