Company:  CULLEN/FROST BANKERS, INC ... (CFR)
Form Type:  10-K
Filing Date:  2/6/2014 
CIK:  0000039263 
Address:  100 W HOUSTON ST 
City, State, Zip:  SAN ANTONIO, Texas 78205 
Telephone:  210-220-4011 
Fiscal Year:  12/31 
Last Trade
Last Trade: 
$80.34  
Change: 
-0.54 (-0.67%)  
Trade Time: 
Sep 19  
Market Cap: 
$5.06B
Description of Business
The disclosures set forth in this item are qualified by Item 1A. Risk Factors and the section captioned �Forward-Looking Statements and Factors that Could Affect Future Results� in Item 7. Management�s Discussion and Analysis of Financial Condition and Results of Operations of this report and other cautionary statements set forth elsewhere in this report. The Corporation Cullen/Frost Bankers, Inc. (�Cullen/Frost�), a Texas business corporation incorporated in 1977, is a financial holding company and a bank holding company headquartered in San Antonio, Texas that provides, through its subsidiaries (collectively referred to as the �Corporation�), a broad array of products and services throughout numerous Texas markets. The Corporation offers commercial and consumer banking services, as well as trust and investment management, mutual funds, investment banking, insurance, brokerage, leasing, asset-based lending, treasury management and item processing services.
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  FORM 10-K
    PART I
      ITEM 1. BUSINESS
        NAME AND TITLE
      ITEM 1A. RISK FACTORS
      ITEM 1B. UNRESOLVED STAFF COMMENTS
      ITEM 2. PROPERTIES
      ITEM 3. LEGAL PROCEEDINGS
      ITEM 4. MINE SAFETY DISCLOSURES
    PART II
      ITEM 5. MARKET FOR REGISTRANT'S COMMON EQUITY, RELATED ...
      ITEM 6. SELECTED FINANCIAL DATA
        INCOME STATEMENT
      ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL ...
        Results of Operations
          INCOME STATEMENT
      ITEM 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT ...
      ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA
        Report of Independent Registered Public Accounting Firm
        BALANCE SHEET
        INCOME STATEMENT
        INCOME STATEMENT
        STOCKHOLDERS EQUITY
        CASH FLOW
        Notes To Consolidated Financial Statements
          INCOME STATEMENT
          BALANCE SHEET
      ITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ...
      ITEM 9A. CONTROLS AND PROCEDURES
      Report of Independent Registered Public Accounting Firm
      ITEM 9B. OTHER INFORMATION
    PART III
      ITEM 10. DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE
      ITEM 11. EXECUTIVE COMPENSATION
      ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND ...
      ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND ...
      ITEM 14. PRINCIPAL ACCOUNTING FEES AND SERVICES
    PART IV
      ITEM 15. EXHIBITS, FINANCIAL STATEMENT SCHEDULES
    SIGNATURES
  EXHIBIT 21.1
    SUBSIDIARIES
  EXHIBIT 23.1
    Consent of Independent Registered Public Accounting Firm
  EXHIBIT 24.1
    Exhibit 24.1 - Power of Attorney - 10-K - 2013
  EXHIBIT 31.1
  EXHIBIT 31.2
  EXHIBIT 32.1
    Section 1350 Certification of the
  EXHIBIT 32.2
    Section 1350 Certification of the
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