XML 42 R52.htm IDEA: XBRL DOCUMENT
v2.4.0.6

Capital Requirements (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2011
Capital Requirements |
Schedule of the Company's and the bank subsidiaries' actual capital amounts and ratios |
|  | Actual |  | For Capital Adequacy Purposes |  | To Be Well Capitalized Under Prompt Corrective Action Provisions |
--- | --- | --- | --- | --- | --- | --- | ---
|  | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio |
|  |  |  |  |  | (greater than or equal to) |  | (greater than or equal to) |  | (greater than or equal to) |  | (greater than or equal to) |
|  | (Dollars in Thousands) |
As of December 31, 2011: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total Capital (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,485,833 |  |  | 23.99 | % | $ | 495,483 |  |  | 8.00 | % |  | N/A |  |  | N/A |
International Bank of Commerce, Laredo |  |  | 1,026,163 |  |  | 19.64 |  |  | 417,943 |  |  | 8.00 |  | $ | 522,429 |  |  | 10.00 | %
International Bank of Commerce, Brownsville |  |  | 123,780 |  |  | 25.77 |  |  | 38,423 |  |  | 8.00 |  |  | 48,029 |  |  | 10.00 |
International Bank of Commerce, Zapata |  |  | 58,295 |  |  | 36.58 |  |  | 12,750 |  |  | 8.00 |  |  | 15,937 |  |  | 10.00 |
Commerce Bank |  |  | 65,697 |  |  | 37.60 |  |  | 13,976 |  |  | 8.00 |  |  | 17,470 |  |  | 10.00 |
Tier 1 Capital (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,407,989 |  |  | 22.73 | % | $ | 247,742 |  |  | 4.00 | % |  | N/A |  |  | N/A |
International Bank of Commerce, Laredo |  |  | 964,128 |  |  | 18.45 |  |  | 208,972 |  |  | 4.00 |  | $ | 313,458 |  |  | 6.00 | %
International Bank of Commerce, Brownsville |  |  | 117,707 |  |  | 24.51 |  |  | 19,212 |  |  | 4.00 |  |  | 28,817 |  |  | 6.00 |
International Bank of Commerce, Zapata |  |  | 56,336 |  |  | 35.35 |  |  | 6,375 |  |  | 4.00 |  |  | 9,562 |  |  | 6.00 |
Commerce Bank |  |  | 63,462 |  |  | 36.33 |  |  | 6,988 |  |  | 4.00 |  |  | 10,482 |  |  | 6.00 |
Tier 1 Capital (to Average Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,407,989 |  |  | 12.74 | % | $ | 441,975 |  |  | 4.00 | % |  | N/A |  |  | N/A |
International Bank of Commerce, Laredo |  |  | 964,128 |  |  | 10.65 |  |  | 362,263 |  |  | 4.00 |  | $ | 452,829 |  |  | 5.00 | %
International Bank of Commerce, Brownsville |  |  | 117,707 |  |  | 13.52 |  |  | 34,835 |  |  | 4.00 |  |  | 43,544 |  |  | 5.00 |
International Bank of Commerce, Zapata |  |  | 56,336 |  |  | 12.21 |  |  | 18,463 |  |  | 4.00 |  |  | 23,079 |  |  | 5.00 |
Commerce Bank |  |  | 63,462 |  |  | 11.94 |  |  | 21,262 |  |  | 4.00 |  |  | 26,578 |  |  | 5.00 |
|  | Actual |  | For Capital Adequacy Purposes |  | To Be Well Capitalized Under Prompt Corrective Action Provisions |
--- | --- | --- | --- | --- | --- | --- | ---
|  | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio |
|  |  |  |  |  | (greater than or equal to) |  | (greater than or equal to) |  | (greater than or equal to) |  | (greater than or equal to) |
|  | (Dollars in Thousands) |
As of December 31, 2010: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total Capital (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,413,299 |  |  | 20.72 | % | $ | 545,668 |  |  | 8.00 | % |  | N/A |  |  | N/A |
International Bank of Commerce, Laredo |  |  | 957,234 |  |  | 16.39 |  |  | 467,249 |  |  | 8.00 |  | $ | 584,061 |  |  | 10.00 | %
International Bank of Commerce, Brownsville |  |  | 112,888 |  |  | 25.60 |  |  | 35,283 |  |  | 8.00 |  |  | 44,103 |  |  | 10.00 |
International Bank of Commerce, Zapata |  |  | 54,072 |  |  | 30.96 |  |  | 13,971 |  |  | 8.00 |  |  | 17,463 |  |  | 10.00 |
Commerce Bank |  |  | 62,129 |  |  | 31.67 |  |  | 15,692 |  |  | 8.00 |  |  | 19,615 |  |  | 10.00 |
Tier 1 Capital (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,327,889 |  |  | 19.47 | % | $ | 272,834 |  |  | 4.00 | % |  | N/A |  |  | N/A |
International Bank of Commerce, Laredo |  |  | 889,247 |  |  | 15.23 |  |  | 233,624 |  |  | 4.00 |  | $ | 350,437 |  |  | 6.00 | %
International Bank of Commerce, Brownsville |  |  | 107,340 |  |  | 24.34 |  |  | 17,641 |  |  | 4.00 |  |  | 26,462 |  |  | 6.00 |
International Bank of Commerce, Zapata |  |  | 51,869 |  |  | 29.70 |  |  | 6,985 |  |  | 4.00 |  |  | 10,478 |  |  | 6.00 |
Commerce Bank |  |  | 59,752 |  |  | 30.46 |  |  | 7,846 |  |  | 4.00 |  |  | 11,769 |  |  | 6.00 |
Tier 1 Capital (to Average Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,327,889 |  |  | 11.58 | % | $ | 458,500 |  |  | 4.00 | % |  | N/A |  |  | N/A |
International Bank of Commerce, Laredo |  |  | 889,247 |  |  | 9.29 |  |  | 382,886 |  |  | 4.00 |  | $ | 478,608 |  |  | 5.00 | %
International Bank of Commerce, Brownsville |  |  | 107,340 |  |  | 12.78 |  |  | 33,586 |  |  | 4.00 |  |  | 41,983 |  |  | 5.00 |
International Bank of Commerce, Zapata |  |  | 51,869 |  |  | 10.90 |  |  | 19,035 |  |  | 4.00 |  |  | 23,793 |  |  | 5.00 |
Commerce Bank |  |  | 59,752 |  |  | 11.33 |  |  | 21,095 |  |  | 4.00 |  |  | 26,369 |  |  | 5.00 |

X
- Details
Name: | us-gaap_BankingAndThriftAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1B -URI http://asc.fasb.org/extlink&oid=6918689&loc=SL5958570-112826 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1G -URI http://asc.fasb.org/extlink&oid=6918689&loc=SL5958577-112826 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher AICPA -Name Audit and Accounting Guide (AAG) -Number AAG-DEP -Chapter 17 -Paragraph 18 -IssueDate 2006-05-01 -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1H -URI http://asc.fasb.org/extlink&oid=6918689&loc=d3e65071-112826 -Subparagraph (c)(2) Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (c)(1) -URI http://asc.fasb.org/extlink&oid=6918689&loc=SL5958568-112826 + Details
Name: | us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration