[CFR] QoQ Quarter Result on 31-Dec-2005 [#Q4]

Stock
[CFR] Cullen/Frost Bankers, Inc.
Announcement Date
03-Feb-2006
Financial Year
2005
Quarter
31-Dec-2005 [#Q4]
Profit Trend
QoQ- 5.80%
YoY- 17.18%
Quarter Report
CFR's Result
CFR's Financial Summary
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Quarter Result
30/09/06 30/06/06 31/03/06 31/12/05 30/09/05 30/06/05 31/03/05 CAGR
Revenue 178,422 177,233 173,198 164,353 157,339 151,811 148,142 13.18%
PBT 73,771 71,934 69,068 66,325 62,622 60,186 55,255 21.22%
Tax 23,769 23,384 22,391 21,408 20,167 19,502 17,888 20.84%
NP 50,002 48,550 46,677 44,917 42,455 40,684 37,367 21.41%
Tax Rate -32.22% -32.51% -32.42% -32.28% -32.20% -32.40% -32.37% -
Total Cost 128,420 128,683 126,521 119,436 114,884 111,127 110,775 10.34%
Ratio Analysis
30/09/06 30/06/06 31/03/06 31/12/05 30/09/05 30/06/05 31/03/05 CAGR
NP Margin 28.02 27.39 26.95 27.33 26.98 26.80 25.22 7.26%
Per Share
30/09/06 30/06/06 31/03/06 31/12/05 30/09/05 30/06/05 31/03/05 CAGR
EPS 0.90 0.88 0.86 0.83 0.81 0.78 0.72 16.02%
EPS Diluted 0.88 0.86 0.83 0.83 0.79 0.77 0.70 16.46%

PBT = Profit before Tax, NP = Net Profit, NP Margin = Net Profit Margin, EPS = Earning Per Share, EPS Diluted = Earning Per Share Diluted.

NP Margin, QoQ ⃤ & YoY ⃤ figures in Percentage; EPS & EPS Diluted figures in Cent.

All figures in '000 unless specified.