What does banking — provision for loan and lease losses mean?

The amount of money the bank sets aside to cover expected losses from bad loans.

How do you interpret banking — provision for loan and lease losses?

An increase suggests deteriorating credit quality or portfolio growth, while a decrease indicates improved credit conditions.

How does banking — provision for loan and lease losses compare across companies?

Standard 'Provision for Credit Losses' reported by all lending institutions.

Cullen/Frost Bankers CFR Banking — Provision For Loan And Lease Losses

Discontinued — last reported Q4 '19

Similar metrics at other companies

RJFBank — Bank loan provision for credit losses

$5M-68.8%

RFConsumer Bank — Provision for Credit Losses

$56M-5.1%

ONBBanking — Provision For Loan And Lease Losses

$91K+9,000%

WTFCCommunity Banking — Provision For Loan Lease And Other Losses

$46.23M—

KEYCommercial Bank — Provision for Credit Losses

$70M-6.7%

LADRLoans — Provision For Loan Losses Expensed

$874K+121%

Other financials

Income statement

See full

Revenue$574.8M+6.4%

Net income$171.0M+13.3%

EPS (diluted)$2.65+15.2%

Balance sheet

See full

Cash & equivalents$7.1B-9.0%

Total debt$296.4M—

Total equity$4.5B+10.1%

Total assets$52.7B+1.4%

Cash flow

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Operating cash flow$237.3M+180%

CapEx$38.6M-5.7%

Free cash flow$198.7M+159%

Valuation

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Market cap$9.15B+7.3%

P/E13.7×-0.6×

P/S4×0.0×

Profitability

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Net margin29.5%+1.0pp

FCF margin3.5%—

Returns & leverage

See full

Return on equity15.5%0.0pp

Debt / equity0.1×—

Where this comes from

Reported directly by Cullen/Frost Bankers in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForLoanAndLeaseLosses.

The official record: Cullen/Frost Bankers’s 10-K, filed February 4, 2020, on SEC EDGAR. View the filing →

Questions, answered.

What does banking — provision for loan and lease losses mean?: The amount of money the bank sets aside to cover expected losses from bad loans.
How do you interpret banking — provision for loan and lease losses?: An increase suggests deteriorating credit quality or portfolio growth, while a decrease indicates improved credit conditions.
How does banking — provision for loan and lease losses compare across companies?: Standard 'Provision for Credit Losses' reported by all lending institutions.