CULLENCFR

Market cap

$7.9B

P/E ratio

	Dec 31, 2010	Dec 31, 2012	Dec 31, 2013	Dec 31, 2014	Dec 31, 2015	Dec 31, 2016	Dec 31, 2017	Dec 31, 2018	Dec 31, 2019	Dec 31, 2020	Dec 31, 2021	Dec 31, 2022	Dec 31, 2023	Dec 31, 2024
Cash and due from banks	588	790	885	702	533	562	546	679	582	529	556	692	618	723
Interest-bearing deposits	2,172	2,650	3,647	3,631	2,992	3,561	4,348	2,642	2,850	9,759	15,985	11,129	7,985	9,496
Federal funds sold	-	-	-	-	-	-	-	-	-	-	34	121	-	6
Resell agreements	-	-	-	-	-	-	-	-	-	-	8	87	85	10
Total cash and cash equivalents	-	-	-	-	-	-	-	-	-	-	-	12,028	8,687	10,234
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss	-	-	-	-	-	-	-	-	-	-	1,749	2,639	3,619	3,534
Debt Securities, Available-for-Sale	-	-	-	-	-	-	-	-	-	-	13,925	18,244	16,578	15,044
Trading account securities	15	30	16	15	17	17	21	24	24	24	25	28	32	34
Loans, net of unearned discounts	-	-	-	-	-	-	-	-	-	-	-	-	-	20,755
Less: Allowance for credit losses on loans	-	-	-	-	-	-	-	-	-	-	-	-	-	270
Net loans	-	-	-	-	-	-	-	-	-	-	-	-	-	20,485
Premises and equipment, net	317	316	313	443	559	526	521	552	1,012	1,046	1,050	1,103	1,190	1,245
Other Assets	360	292	285	341	341	397	401	458	441	585	613	1,078	2,160	1,945
Total assets	17,617	23,124	24,313	28,278	28,567	30,196	31,748	32,293	34,027	42,391	50,878	52,892	50,845	52,520
Non-interest-bearing demand deposits	5,360	8,097	8,311	10,149	10,270	10,513	11,197	10,997	10,874	15,117	18,423	17,598	14,926	14,442
Interest-bearing deposit	9,119	11,400	12,378	13,987	14,073	15,298	15,675	16,152	16,766	19,899	24,273	26,356	26,994	28,281
Total deposits	14,479	19,497	20,689	24,136	24,344	25,812	26,872	27,149	27,640	35,016	42,696	43,954	41,921	42,723
Federal funds purchased	-	-	-	-	-	-	-	-	-	-	26	52	14	22
Repurchase agreements	-	-	-	-	-	-	-	-	-	-	2,700	4,700	4,100	4,300
Junior Subordinated Notes	124	124	124	137	137	136	136	136	136	136	123	123	123	123
Subordinated notes, net of unamortized issuance costs	-	-	-	-	-	-	99	99	99	99	99	99	99	100
Other Liabilities	227	424	218	250	203	169	195	172	546	730	754	866	844	1,311
Total liabilities	15,555	20,707	21,799	25,426	25,677	27,194	28,450	28,924	30,116	38,098	46,439	49,755	47,129	48,622
Preferred Stock, Value, Issued	-	-	144	144	144	144	144	144	144	145	145	145	145	145
Common Stock, Value, Issued	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Additional paid-in capital	657	703	724	886	897	907	953	967	983	997	1,010	1,030	1,056	1,076
Retained earnings	1,249	1,476	1,575	1,710	1,845	1,986	2,187	2,440	2,668	2,751	2,957	3,310	3,658	3,951
Accumulated other comprehensive income (loss), net of tax	154	238	140	142	114	-25	80	-64	267	513	347	-1,348	-1,119	-1,252
Treasury stock, at cost; 207,150 shares in 2024 and 219,295 in 2023	-	-	71	32	111	10	67	120	152	114	21	-	24	23
Total shareholders’ equity	2,062	2,417	2,514	2,851	2,890	3,003	3,298	3,369	3,912	4,293	4,440	3,137	3,716	3,899
Total liabilities and shareholders’ equity	17,617	23,124	24,313	28,278	28,567	30,196	31,748	32,293	34,027	42,391	50,878	52,892	50,845	52,520