Cullen / Frost Bankers Inc. (CFR) 2007年年度报告「NYSE」.pdf

1、2007net incomeper common share dataNet Income BasicNet Income DilutedCash DividendsBook Valueyear-end balance sheet dataLoansSecuritiesEarning AssetsTotal AssetsNon-interest-bearing Demand DepositsInterest-bearing DepositsTotal DepositsLong-term Debt and Other BorrowingsShareholders Equity$212,071$3

2、.603.551.5425.181.6315.204.6942.83$7,769,3623,427,05011,556,38513,485,0143,597,9036,931,77010,529,673400,3231,477,088%performance ratiosReturn on Average AssetsReturn on Average EquityNet Interest MarginDividend Pay-out Ratiod o l l a r s i n t h o u s a n d s,e x c e p t p e r s h a r e a m o u n t

3、 sF i n a n c i a l H i g h l i g h t s2 0 0 72 0 0 6%$193,591$3.493.421.3223.011.6718.034.6737.91$7,373,3843,350,45511,460,74113,224,1893,699,7016,688,20810,387,909428,6361,376,883PA G E 2C U L L E N/F R O S T B A N K E R S,I N C.In navigating the current economic volatility,we continue to focus on

4、 our core businessesbanking,investments and insurance.Acquisitions we made in 2006 gave us a lift,helping us grow both loans and deposits,while strengthening our fee income business.Cullen/Frost again attained record levels of profitability in 2007,reporting$212.1 million in annual earnings for the

5、year,or$3.55 per diluted common share,an increase of 9.5 percent over year-end 2006 results.We saw double-digit growth in both loans and deposits,with the$7.8 billion in loans and$10.5 billion in deposits both all-time highs.Net interest income rose 10.6 percent to$518.7 million.Also contributing to

6、 our results was an 11.4 percent increase in non-interest income,to$268.2 million.It was especially good to see our net interest margin increase to 4.69 percent for the yearan accomplishment,in light of the Fed cutting interest rates by 100 basis points during the second half of 2007.During our comp