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Capital Requirements (Tables) | 12 Months Ended
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Dec. 31, 2012
Capital Requirements |
Schedule of the Company's and the bank subsidiaries' actual capital amounts and ratios | The Company's and the bank subsidiaries' actual capital amounts and ratios for 2012 are presented in the following table:
|  | 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, 2012: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total Capital (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,328,089 |  |  | 20.60 | % | $ | 515,695 |  |  | 8.00 | % |  | N/A |  |  | N/A |
International Bank of Commerce, Laredo |  |  | 945,384 |  |  | 17.19 |  |  | 440,038 |  |  | 8.00 |  | $ | 550,048 |  |  | 10.00 | %
International Bank of Commerce, Brownsville |  |  | 128,788 |  |  | 27.36 |  |  | 37,659 |  |  | 8.00 |  |  | 47,074 |  |  | 10.00 |
International Bank of Commerce, Zapata |  |  | 54,542 |  |  | 33.14 |  |  | 13,166 |  |  | 8.00 |  |  | 16,458 |  |  | 10.00 |
Commerce Bank |  |  | 60,982 |  |  | 34.52 |  |  | 14,131 |  |  | 8.00 |  |  | 17,664 |  |  | 10.00 |
Tier 1 Capital (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,266,799 |  |  | 19.65 | % | $ | 257,848 |  |  | 4.00 | % |  | N/A |  |  | N/A |
International Bank of Commerce, Laredo |  |  | 892,888 |  |  | 16.23 |  |  | 220,019 |  |  | 4.00 |  | $ | 330,029 |  |  | 6.00 | %
International Bank of Commerce, Brownsville |  |  | 123,361 |  |  | 26.21 |  |  | 18,830 |  |  | 4.00 |  |  | 28,245 |  |  | 6.00 |
International Bank of Commerce, Zapata |  |  | 52,967 |  |  | 32.18 |  |  | 6,583 |  |  | 4.00 |  |  | 9,875 |  |  | 6.00 |
Commerce Bank |  |  | 59,200 |  |  | 33.52 |  |  | 7,065 |  |  | 4.00 |  |  | 10,598 |  |  | 6.00 |
Tier 1 Capital (to Average Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,266,799 |  |  | 10.86 | % | $ | 466,624 |  |  | 4.00 | % |  | N/A |  |  | N/A |
International Bank of Commerce, Laredo |  |  | 892,888 |  |  | 9.26 |  |  | 385,621 |  |  | 4.00 |  | $ | 482,026 |  |  | 5.00 | %
International Bank of Commerce, Brownsville |  |  | 123,361 |  |  | 13.79 |  |  | 35,787 |  |  | 4.00 |  |  | 44,734 |  |  | 5.00 |
International Bank of Commerce, Zapata |  |  | 52,967 |  |  | 10.64 |  |  | 19,918 |  |  | 4.00 |  |  | 24,897 |  |  | 5.00 |
Commerce Bank |  |  | 59,200 |  |  | 11.27 |  |  | 21,004 |  |  | 4.00 |  |  | 26,255 |  |  | 5.00 |
The Company's and the bank subsidiaries' actual capital amounts and ratios for 2011 are also presented in the following table:
|  | 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 |

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- 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 1G -URI http://asc.fasb.org/extlink&oid=7881181&loc=SL5958577-112826 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher AICPA -Name Audit and Accounting Guide (AAG) -Number AAG-DEP -Paragraph 18 -IssueDate 2006-05-01 -Chapter 17 -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 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1H -Subparagraph (c)(2) -URI http://asc.fasb.org/extlink&oid=7881181&loc=d3e65071-112826 Reference 4: 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=7881181&loc=SL5958568-112826 Reference 5: 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=7881181&loc=SL5958570-112826 + Details
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