Cullen/Frost Bankers' CEO Discusses Q4 2011 Results - Earnings Call Transcript

Cullen/Frost Bankers, Inc. (CFR)

Q4 2011 Earnings Call

January 25, 2012 11:00 a.m. ET

Executives

Greg Parker - IR

Dick Evans - Chairman & CEO

Phil Green - Group EVP & CFO

Analysts

Dave Rochester - Deutsche Bank Securities

Scott Valentin - FBR Capital Markets

Bill Young - Macquarie

John Pancari - Evercore Partners

Brady Gailey - Keefe, Bruyette & Woods

Brett Rabatin - Sterne Agee

Justin Maurer - Lord Abbett

Jon Arfstrom - RBC Capital Markets

Presentation

Operator

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Good morning. My name is Ashley, and I will be your conference operator today. At this time, I would like to welcome everyone to the Fourth Quarter 2011 Earnings Conference Call. (Operator Instructions) Thank you.

I would now like to turn the conference over to Greg Parker, Director of Investor Relations. Sir, you may begin your conference.

Greg Parker

Thank you, Ashley. This morning’s conference call will be led by Dick Evans, Chairman and CEO, and Phil Green, Group Executive Vice President and CFO. Before I turn the call over to Dick and Phil, I need to take a moment to address the Safe Harbor provisions.

Some of the remarks made today will constitute forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995, as amended. We intend such statements to be covered by the Safe Harbor provisions for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995 as amended.

Please see the last page of the text in this morning’s earnings release for additional information about the risk factors associated with these forward-looking statements. If needed, a copy of the release is available at our website or by calling the Investor Relations department at 210/220-5632.

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