[CFR] QoQ Quarter Result on 31-Dec-2008 [#Q4]

Stock
[CFR] Cullen/Frost Bankers, Inc.
Announcement Date
03-Feb-2009
Financial Year
2008
Quarter
31-Dec-2008 [#Q4]
Profit Trend
QoQ- 8.17%
YoY- -3.18%
Quarter Report
CFR's Result
CFR's Financial Summary
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Quarter Result
30/09/09 30/06/09 31/03/09 31/12/08 30/09/08 30/06/08 31/03/08 CAGR
Revenue 203,480 212,331 199,496 207,279 212,051 201,909 200,108 1.11%
PBT 54,306 49,580 60,396 75,186 70,139 75,491 76,063 -20.10%
Tax 9,607 11,721 15,414 22,223 21,174 22,944 23,283 -44.54%
NP 44,699 37,859 44,982 52,963 48,965 52,547 52,780 -10.47%
Tax Rate -17.69% -23.64% -25.52% -29.56% -30.19% -30.39% -30.61% -
Total Cost 158,781 174,472 154,514 154,316 163,086 149,362 147,328 5.11%
Ratio Analysis
30/09/09 30/06/09 31/03/09 31/12/08 30/09/08 30/06/08 31/03/08 CAGR
NP Margin 21.97 17.83 22.55 25.55 23.09 26.03 26.38 -11.47%
Per Share
30/09/09 30/06/09 31/03/09 31/12/08 30/09/08 30/06/08 31/03/08 CAGR
EPS 0.75 0.64 0.76 0.89 0.83 0.89 0.90 -11.43%
EPS Diluted 0.75 0.63 0.76 0.89 0.83 0.89 0.89 -10.77%

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.