[CFR] YoY Quarter Result on 31-Dec-2012 [#Q4]

Stock
[CFR] Cullen/Frost Bankers, Inc.
Announcement Date
08-Feb-2013
Financial Year
2012
Quarter
31-Dec-2012 [#Q4]
Profit Trend
QoQ- 2.59%
YoY- 8.62%
Quarter Report
CFR's Result
CFR's Financial Summary
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Quarter Result
31/12/15 31/12/14 31/12/13 31/12/12 31/12/11 31/12/10 31/12/09 CAGR
Revenue 269,294 261,634 237,746 230,292 217,983 211,841 224,939 3.04%
PBT 61,895 88,233 77,332 80,100 74,150 66,810 68,473 -1.66%
Tax 3,657 15,529 14,761 19,912 18,736 13,759 16,979 -22.56%
NP 58,238 72,704 62,571 60,188 55,414 53,051 51,494 2.07%
Tax Rate -5.91% -17.60% -19.09% -24.86% -25.27% -20.59% -24.80% -
Total Cost 211,056 188,930 175,175 170,104 162,569 158,790 173,445 3.32%
Ratio Analysis
31/12/15 31/12/14 31/12/13 31/12/12 31/12/11 31/12/10 31/12/09 CAGR
NP Margin 21.63 27.79 26.32 26.14 25.42 25.04 22.89 -0.93%
Per Share
31/12/15 31/12/14 31/12/13 31/12/12 31/12/11 31/12/10 31/12/09 CAGR
EPS 0.90 1.12 1.00 0.98 0.91 0.87 0.86 0.76%
EPS Diluted 0.90 1.11 0.99 0.97 0.91 0.87 0.86 0.76%

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.