[CFR] YoY Annual Result on 31-Dec-2008 [#FY]

Stock
[CFR] Cullen/Frost Bankers, Inc.
Announcement Date
03-Feb-2009
Financial Year
2008
Quarter
31-Dec-2008 [#FY]
Profit Trend
YoY- -2.27%
Quarter Report
CFR's Result
CFR's Financial Summary
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Annual Result
31/12/11 31/12/10 31/12/09 31/12/08 31/12/07 31/12/06 31/12/05 CAGR
Revenue 871,778 845,492 1,408,101 821,347 786,968 709,910 621,645 5.79%
PBT 286,235 266,340 232,755 296,879 309,862 285,407 244,388 2.66%
Tax 68,700 57,576 53,721 89,624 97,791 91,816 78,965 -2.29%
NP 217,535 208,764 179,034 207,255 212,071 193,591 165,423 4.66%
Tax Rate -24.00% -21.62% -23.08% -30.19% -31.56% -32.17% -32.31% -
Total Cost 654,243 636,728 1,229,067 614,092 574,897 516,319 456,222 6.18%
Ratio Analysis
31/12/11 31/12/10 31/12/09 31/12/08 31/12/07 31/12/06 31/12/05 CAGR
NP Margin 24.95 24.69 12.71 25.23 26.95 27.27 26.61 -1.06%
Per Share
31/12/11 31/12/10 31/12/09 31/12/08 31/12/07 31/12/06 31/12/05 CAGR
EPS 3.55 3.44 3.00 3.51 3.60 3.49 3.15 2.01%
EPS Diluted 3.54 3.44 3.00 3.50 3.55 3.42 3.07 2.40%

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.