cfr: the income statement

MyFinsight

CULLEN FROST BANKERS, INC. (CFR)

For the quarter ending 2025-06-30, CFR made $29,151K in revenue. $155,334K in net income. Net profit margin of 532.86%.

Overview

Revenue
$29,151K
Net Income
$155,334K
Net Profit Margin
532.86%
EPS
$2.39
Unit: Thousand (K) dollars

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

	2025-06-30	2025-03-31	2024-09-30	2024-06-30
Service charges on deposit accounts	29,151	28,621	27,412	26,114
Other	10,988	12,466	11,936	11,382
Insurance commissions and fees	13,879	21,019	14,839	13,919
Net gain (loss) on securities transactions	-	-14	16	-
Trust and investment management fees	43,669	42,931	41,016	41,404
Other charges, commissions, and fees	13,967	13,586	13,060	13,020
Interchange and card transaction fees	5,619	5,402	5,428	5,351
Total non-interest income	117,273	124,011	113,707	111,190
Other	70,351	64,473	60,212	60,217
Net occupancy	34,640	33,277	32,497	32,374
Salaries and wages	162,149	160,857	156,637	151,237
Deposit insurance	6,590	7,184	7,238	8,383
Technology, furniture, and equipment	40,572	40,118	37,766	35,951
Employee benefits	32,826	42,157	29,060	28,802
Total non-interest expense	347,128	348,066	323,410	316,964
Subordinated notes	1,164	1,164	1,164	1,164
Repurchase agreements	34,677	32,419	35,868	36,302
Junior subordinated deferrable interest debentures	1,939	1,945	2,197	2,300
Federal funds purchased	281	201	271	547
Deposits	134,293	133,168	164,328	159,260
Total interest expense	172,354	168,897	203,828	199,573
Tax-exempt	58,041	54,607	54,618	54,579
Taxable	130,127	116,256	99,561	99,012
Resell agreements	264	111	580	1,199
Federal funds sold	97	40	63	80
Interest-bearing deposits	68,740	79,495	96,215	97,639
Loans, including fees	344,689	334,608	357,122	343,776
Total interest income	601,958	585,117	608,159	596,285
Net interest income	429,604	416,220	404,331	396,712
Credit loss expense	13,129	13,070	19,386	15,787
Income before income taxes	186,620	179,095	175,242	175,151
Income taxes	29,617	28,173	28,741	29,652
Net income	157,003	150,922	146,501	145,499
Preferred stock dividends	1,669	1,669	1,668	-
Net income available to common shareholders	155,334	149,253	144,833	145,499

Basic	2.39	2.3	2.24	2.21
Diluted	2.39	2.3	2.24	2.21
Weighted-average shares outstanding for basic earnings per common share	64,299,943	64,255,246	63,957,786	64,192,907
Weighted-average shares outstanding for diluted earnings per common share	64,351,780	64,329,044	64,085,007	64,333,187

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

MyFinsight

Overview

Revenue
$29,151K
Net Income
$155,334K
Net Profit Margin
532.86%
EPS
$2.39
Unit: Thousand (K) dollars

Income Statement

DownloadDownload image

Overview

Revenue
$29,151K
Net Income
$155,334K
Net Profit Margin
532.86%
EPS
$2.39
Unit: Thousand (K) dollars

Income Statement

DownloadDownload image

Overview

Revenue$29,151KNet Income$155,334KNet Profit Margin532.86%EPS$2.39Unit: Thousand (K) dollars

Income Statement

Overview

Revenue$29,151KNet Income$155,334KNet Profit Margin532.86%EPS$2.39Unit: Thousand (K) dollars

Income Statement

Revenue
$29,151K
Net Income
$155,334K
Net Profit Margin
532.86%
EPS
$2.39
Unit: Thousand (K) dollars

Revenue
$29,151K
Net Income
$155,334K
Net Profit Margin
532.86%
EPS
$2.39
Unit: Thousand (K) dollars