Capital Requirements (Tables)

12 Months Ended

Dec. 31, 2012

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

- 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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