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Capital and Regulatory Matters (Tables) | 3 Months Ended
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Mar. 31, 2015
Banking and Thrift [Abstract] |
Actual and Required Capital Ratios | The following table presents actual and required capital ratios as of December 31, 2014 for Cullen/Frost and Frost Bank under the regulatory capital rules then in effect.
| Actual |  | Minimum Required for Capital Adequacy Purposes |  | Required to be Considered Well Capitalized
| Capital Amount |  | Ratio |  | Capital Amount |  | Ratio |  | Capital Amount |  | Ratio
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |
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 |
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 |
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 |
Cullen/Frost and Frost Bank under the Basel III Capital Rules. The minimum required capital amounts presented include the minimum required capital levels as of March 31, 2015 based on the phase-in provisions of the Basel III Capital Rules and the minimum required capital levels as of January 1, 2019 when the Basel III Capital Rules have been fully phased-in. Capital levels required to be considered well capitalized are based upon prompt corrective action regulations, as amended to reflect the changes under the Basel III Capital Rules.
| Actual |  | Minimum Capital Required - Basel III Phase-In Schedule |  | Minimum Capital Required - Basel III Fully Phased-In |  | Required to be Considered Well Capitalized
| Capital Amount |  | Ratio |  | Capital Amount |  | Ratio |  | Capital Amount |  | Ratio |  | Capital Amount |  | Ratio
March 31, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Common Equity Tier 1 to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | $ | 1,957,452 |  |  | 11.55 | % |  | $ | 762,847 |  |  | 4.50 | % |  | $ | 1,186,195 |  |  | 7.00 | % |  | $ | 1,101,890 |  |  | 6.50 | %
Frost Bank | 2,018,046 |  |  | 11.95 |  |  | 760,250 |  |  | 4.50 |  |  | 1,182,155 |  |  | 7.00 |  |  | 1,098,139 |  |  | 6.50 |
Tier 1 Capital to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | 2,135,188 |  |  | 12.60 |  |  | 1,017,129 |  |  | 6.00 |  |  | 1,440,379 |  |  | 8.50 |  |  | 1,356,172 |  |  | 8.00 |
Frost Bank | 2,018,046 |  |  | 11.95 |  |  | 1,013,666 |  |  | 6.00 |  |  | 1,435,474 |  |  | 8.50 |  |  | 1,351,555 |  |  | 8.00 |
Total Capital to Risk-Weighted Assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | 2,360,646 |  |  | 13.93 |  |  | 1,356,172 |  |  | 8.00 |  |  | 1,779,292 |  |  | 10.50 |  |  | 1,695,215 |  |  | 10.00 |
Frost Bank | 2,123,754 |  |  | 12.57 |  |  | 1,351,555 |  |  | 8.00 |  |  | 1,773,232 |  |  | 10.50 |  |  | 1,689,444 |  |  | 10.00 |
Leverage Ratio |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Cullen/Frost | 2,135,188 |  |  | 7.89 |  |  | 1,083,075 |  |  | 4.00 |  |  | 1,082,814 |  |  | 4.00 |  |  | 1,353,843 |  |  | 5.00 |
Frost Bank | 2,018,046 |  |  | 7.46 |  |  | 1,081,781 |  |  | 4.00 |  |  | 1,081,520 |  |  | 4.00 |  |  | 1,352,226 |  |  | 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=35709795&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=35709795&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=35709795&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=35709795&loc=SL5958577-112826 + Details
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