[CFR] QoQ Quarter Result on 30-Sep-2008 [#Q3]

Stock
[CFR] Cullen/Frost Bankers, Inc.
Announcement Date
22-Oct-2008
Financial Year
2008
Quarter
30-Sep-2008 [#Q3]
Profit Trend
QoQ- -6.82%
YoY- -13.28%
Quarter Report
CFR's Result
CFR's Financial Summary
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Quarter Result
30/06/09 31/03/09 31/12/08 30/09/08 30/06/08 31/03/08 31/12/07 CAGR
Revenue 212,331 199,496 207,279 212,051 201,909 200,108 197,143 5.07%
PBT 49,580 60,396 75,186 70,139 75,491 76,063 79,417 -26.97%
Tax 11,721 15,414 22,223 21,174 22,944 23,283 24,717 -39.21%
NP 37,859 44,982 52,963 48,965 52,547 52,780 54,700 -21.77%
Tax Rate -23.64% -25.52% -29.56% -30.19% -30.39% -30.61% -31.12% -
Total Cost 174,472 154,514 154,316 163,086 149,362 147,328 142,443 14.49%
Ratio Analysis
30/06/09 31/03/09 31/12/08 30/09/08 30/06/08 31/03/08 31/12/07 CAGR
NP Margin 17.83 22.55 25.55 23.09 26.03 26.38 27.75 -25.55%
Per Share
30/06/09 31/03/09 31/12/08 30/09/08 30/06/08 31/03/08 31/12/07 CAGR
EPS 0.64 0.76 0.89 0.83 0.89 0.90 0.93 -22.07%
EPS Diluted 0.63 0.76 0.89 0.83 0.89 0.89 0.93 -22.88%

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.