Capital Requirements (Tables)

12 Months Ended

Dec. 31, 2011

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

- 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.

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