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Mar 31, 2022

Cullen/Frost Bankers Q1 2022 Earnings Report

Cullen/Frost reported solid financial results while making investments to extend its customer service.

Key Takeaways

Cullen/Frost Bankers, Inc. reported first quarter 2022 results with net income available to common shareholders of $97.4 million, or $1.50 per diluted common share. Average loans decreased, but excluding PPP loans, average loans increased. Average deposits increased significantly.

Net income available to common shareholders for the first quarter of 2022 was $97.4 million compared to $113.9 million in the first quarter of 2021.

Net income available to common shareholders for the first quarter of 2022 was $1.50 per diluted common share, compared to $1.77 per diluted common share reported a year earlier.

Net interest income on a taxable-equivalent basis was $272.2 million, up 3.1 percent, compared to the same quarter in 2021.

Average deposits for the quarter were $43.0 billion, up $7.6 billion, or 21.3 percent, compared to the $35.4 billion reported for last year's first quarter.

Total Revenue
$374M
Previous year: $357M
+4.6%
EPS
$1.5
Previous year: $1.77
-15.3%
Net Interest Margin
2.33%
Previous year: 2.72%
-14.3%
Common Equity Tier 1 Ratio
12.78%
Previous year: 13.45%
-5.0%
Tier 1 Risk-Based Capital Ratio
13.32%
Previous year: 14.07%
-5.3%
Gross Profit
$350M
Previous year: $334M
+4.9%
Cash and Equivalents
$14.5B
Previous year: $11.8B
+22.5%
Free Cash Flow
$320M
Previous year: $207M
+54.8%
Total Assets
$51.3B
Previous year: $44B
+16.5%

Cullen/Frost Bankers

Cullen/Frost Bankers

Forward Guidance

The company did not provide forward guidance in the earnings report.