CULLENCFR
Market cap
$7.9B
P/E ratio
| Dec 31, 2010 | Dec 31, 2011 | 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 | |
| Net income (loss) | 209 | 218 | 238 | 238 | 278 | 279 | 304 | 364 | 455 | 444 | 331 | 443 | 579 | 598 | 583 |
| Credit loss expense | - | - | - | - | - | - | - | - | - | - | 241 | 0 | 3 | 46 | 65 |
| Deferred tax expense (benefit) | 5 | 8 | -6 | 3 | -4 | -19 | -12 | -14 | 53 | 8 | -16 | 8 | -5 | -15 | -12 |
| Accretion of loan discounts | - | - | - | 13 | 15 | 14 | 16 | 16 | 14 | 15 | 16 | 13 | 13 | 18 | 24 |
| Securities premium amortization (discount accretion), net | -8 | -11 | -22 | -42 | -61 | -74 | -80 | -90 | -101 | -116 | -124 | -119 | -97 | -64 | -45 |
| Net (gain) loss on securities transactions | - | - | - | - | - | - | - | - | -0 | 0 | 109 | 0 | - | 0 | -0 |
| Depreciation and amortization | - | - | 38 | 38 | 40 | 42 | 48 | 48 | 50 | 54 | 64 | 69 | 71 | 76 | 83 |
| Net (gain) loss on sale/exchange/write-down of assets/foreclosed assets | -6 | -5 | -5 | -3 | -1 | 2 | 4 | 5 | 5 | 6 | -1 | 12 | -0 | -1 | 0 |
| Stock-based compensation | 15 | 16 | 13 | 12 | 13 | 13 | 12 | 13 | 14 | 16 | 14 | 13 | 18 | 25 | 20 |
| Net tax benefit from stock-based compensation | - | - | - | - | - | - | - | - | - | - | - | - | -5 | -1 | -4 |
| Earnings on life insurance policies | 5 | 4 | 4 | 3 | 3 | 4 | 4 | 3 | 3 | 4 | 4 | 2 | 2 | 3 | 4 |
| Trading account securities | -1 | -1 | 16 | -15 | -1 | 1 | 0 | 4 | 3 | 0 | 0 | 1 | 1 | 2 | 4 |
| Lease right-of-use assets | - | - | - | - | - | - | - | - | - | 20 | 24 | 24 | 24 | 24 | 25 |
| Accrued interest receivable and other assets | -70 | 16 | -48 | 8 | 73 | 13 | 7 | 55 | 86 | 16 | 158 | 47 | 116 | 233 | -259 |
| Accrued interest payable and other liabilities | 23 | -11 | -30 | -170 | -25 | -12 | -6 | 71 | -24 | -18 | 27 | 39 | 61 | -85 | -51 |
| Net cash provided by (used in) operating activities | 425 | 274 | - | - | - | - | - | - | - | 634 | 524 | 648 | 723 | 479 | 990 |
| Securities held to maturity: Purchases | 278 | 83 | 238 | 258 | - | 1 | - | - | 2 | 649 | 2 | - | 1,424 | 1,148 | - |
| Securities held to maturity: Maturities, calls and principal repayments | 1 | 1 | 2 | 15 | 154 | 209 | 229 | 783 | 301 | 82 | 64 | 178 | 561 | 162 | 82 |
| Purchases | - | - | - | - | - | - | - | - | - | - | - | 24,218 | 22,178 | 19,124 | 17,900 |
| Sales | - | - | - | - | - | - | - | - | - | - | - | 2,000 | - | 1,904 | 123 |
| Maturities, calls and principal repayments | 894 | 730 | 1,073 | 1,312 | 4,988 | 658 | 336 | 1,328 | 222 | 4,695 | 20,893 | 18,425 | 15,683 | 19,104 | 19,601 |
| Proceeds from sale of loans | - | - | - | - | - | - | 31 | - | 21 | 24 | 38 | - | 2 | 16 | 3 |
| Net change in loans | -177 | -70 | 1,241 | 318 | 800 | 501 | 539 | 1,188 | 1,009 | 694 | 2,856 | -1,146 | 824 | 1,702 | 1,966 |
| Net cash paid in insurance agency asset acquisitions | - | 1 | 7 | 2 | -831 | - | 0 | - | - | - | - | - | - | - | -1 |
| Proceeds from Life Insurance Policy | - | - | - | - | - | 0 | 1 | 1 | 0 | - | 1 | 2 | 2 | 2 | 2 |
| Proceeds from sales of premises and equipment | 1 | 1 | 5 | 18 | 0 | 3 | 59 | 5 | 14 | 8 | 6 | 7 | 0 | 1 | 0 |
| Purchases of premises and equipment | 17 | 27 | 25 | 40 | 132 | 147 | 54 | 34 | 79 | 207 | 95 | 66 | 103 | 159 | 128 |
| Proceeds from Sale of Foreclosed Assets | 20 | 19 | 16 | 8 | 11 | 5 | 0 | 1 | 3 | 1 | 0 | 1 | 3 | 1 | 3 |
| Net cash provided by (used in) investing activities | -400 | -2,455 | - | - | - | - | - | - | - | -1,387 | -1,631 | -2,525 | -8,277 | -943 | -181 |
| Net change in deposits | 1,166 | 2,277 | 2,741 | 1,191 | 1,823 | 208 | 1,468 | 1,061 | 277 | 490 | 7,376 | 7,680 | 1,259 | -2,034 | 802 |
| Net change in short-term borrowings | -6 | 247 | -161 | 107 | 85 | 90 | 83 | 171 | 220 | 328 | 422 | 650 | 1,946 | -571 | 224 |
| Proceeds from stock option exercises | 39 | 7 | 11 | 69 | 29 | 15 | 79 | 68 | 32 | 21 | 13 | 54 | 17 | 9 | 23 |
| Purchase of treasury stock | 1 | 2 | 0 | 145 | 1 | 101 | 1 | 101 | 101 | 69 | 16 | 4 | 4 | 43 | 61 |
| Cash dividends paid on preferred stock | - | - | - | 7 | 8 | 8 | 8 | 8 | 8 | 8 | 2 | 7 | 7 | 7 | 7 |
| Cash dividends paid on common stock | 108 | 112 | 117 | 120 | 127 | 132 | 135 | 144 | 165 | 177 | 181 | 189 | 210 | 232 | 242 |
| Net cash provided by (used in) financing activities | 1,075 | 2,268 | - | - | - | - | - | - | - | 585 | 7,607 | 8,171 | 3,000 | -2,877 | 738 |
| Net change in cash and cash equivalents | - | - | - | - | - | - | - | - | - | - | - | 6,294 | -4,555 | -3,341 | 1,547 |