Cullen / Frost Bankers Inc. (CFR) 2017年年度报告「NYSE」.pdf

1、2017net income available to common shareholdersper common share dataEarnings per Common Share BasicEarnings per Common Share DilutedCash DividendsBook Valueyear-end balance sheet dataLoansSecuritiesEarning AssetsTotal AssetsNon-interest-bearing Demand DepositsInterest-bearing Demand DepositsTotal De

2、positsLong-term Debt and Other BorrowingsShareholders Equity%performance ratiosReturn on Average AssetsReturn on Average Common EquityNet Interest MarginDividend Payout Ratio on Common Sharesd 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 sFi n a n c i a l H i g h l i g h

3、 t s2 0 1 7$356,086$5.565.512.2549.681.1711.763.6940.49$13,145,66511,942,20529,595,37531,747,88011,197,09315,675,29626,872,389234,7363,297,863%$296,198$4.734.702.1545.031.0310.163.5645.54$11,975,39212,470,44028,025,43930,196,31910,513,36915,298,20625,811,575236,1173,002,5282 0 1 6PA G E 2C U L L E N

4、/F R O S T B A N K E R S,I N C.The short story is 2017 was a really good year.Our earnings per share were up more than 17 percent.Loans grew almost 8 percent.Deposits(the lifeblood of our financial institution)grew almost 6 percent.The growth of these volumes,combined with higher interest rates,incr

5、eased our net interest income by 11 percent.Overall,our business experienced positive operating leverage as our pretax margin increased from 30.3 percent to 33.9 percent.All these things were great,but my favorite part of 2017 was the balance and consistency our company displayed in generating this

6、great performance.It wasnt accidental.As weve said before,and consistent with our mission and culture,we want to achieve“sustainable,above-average organic growth through great customer experiences that make peoples lives better.”I want to point out some examples of how weve been putting this into pr