Capital and Regulatory Matters (Tables)

3 Months Ended

Mar. 31, 2015

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

- 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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