[CFR] YoY Annual Result on 31-Dec-2004 [#FY]

Stock
[CFR] Cullen/Frost Bankers, Inc.
Announcement Date
04-Feb-2005
Financial Year
2004
Quarter
31-Dec-2004 [#FY]
Profit Trend
YoY-
Quarter Report
CFR's Result
CFR's Financial Summary
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Annual Result
31/12/10 31/12/09 31/12/08 31/12/07 31/12/06 31/12/05 31/12/04 CAGR
Revenue 845,492 1,408,101 821,347 786,968 709,910 621,645 556,548 7.21%
PBT 266,340 232,755 296,879 309,862 285,407 244,388 209,018 4.11%
Tax 57,576 53,721 89,624 97,791 91,816 78,965 67,693 -2.66%
NP 208,764 179,034 207,255 212,071 193,591 165,423 141,325 6.71%
Tax Rate -21.62% -23.08% -30.19% -31.56% -32.17% -32.31% -32.39% -
Total Cost 636,728 1,229,067 614,092 574,897 516,319 456,222 415,223 7.38%
Ratio Analysis
31/12/10 31/12/09 31/12/08 31/12/07 31/12/06 31/12/05 31/12/04 CAGR
NP Margin 24.69 12.71 25.23 26.95 27.27 26.61 25.39 -0.46%
Per Share
31/12/10 31/12/09 31/12/08 31/12/07 31/12/06 31/12/05 31/12/04 CAGR
EPS 3.44 3.00 3.51 3.60 3.49 3.15 2.74 3.86%
EPS Diluted 3.44 3.00 3.50 3.55 3.42 3.07 2.66 4.37%

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.