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Capital and Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2014

Regulatory Capital Requirements [Abstract]

Actual and Required Capital Ratios

Year-end 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
2014
Total Capital to Risk-Weighted Assets
Cullen/Frost	$	2,325,818			14.55	%		$	1,278,797			8.00	%		$	1,598,496			10.00	%
Frost Bank	2,071,012				12.99			1,275,858				8.00			1,594,823				10.00
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost	2,186,276				13.68			639,398				4.00			959,098				6.00
Frost Bank	1,979,415				12.41			637,929				4.00			956,894				6.00
Leverage Ratio
Cullen/Frost	2,186,276				8.16			1,072,035				4.00			1,340,043				5.00
Frost Bank	1,979,415				7.40			1,070,109				4.00			1,337,636				5.00
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

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- 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.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1H

-Subparagraph (c)(2)

-URI http://asc.fasb.org/extlink&oid=7881181&loc=d3e65071-112826



Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=7881181&loc=SL5958568-112826



Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1B

-URI http://asc.fasb.org/extlink&oid=7881181&loc=SL5958570-112826



Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1G

-URI http://asc.fasb.org/extlink&oid=7881181&loc=SL5958577-112826

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