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Capital Requirements (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2013
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, 2013: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total Capital (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,442,837 |  |  | 20.36 | % | $ | 566,870 |  |  | 8.00 | % |  | N/A |  |  | N/A |
International Bank of Commerce, Laredo |  |  | 1,035,189 |  |  | 16.96 |  |  | 488,303 |  |  | 8.00 |  | $ | 610,378 |  |  | 10.00 | %
International Bank of Commerce, Brownsville |  |  | 143,879 |  |  | 27.63 |  |  | 41,652 |  |  | 8.00 |  |  | 52,065 |  |  | 10.00 |
International Bank of Commerce, Zapata |  |  | 57,675 |  |  | 32.65 |  |  | 14,130 |  |  | 8.00 |  |  | 17,663 |  |  | 10.00 |
Commerce Bank |  |  | 64,585 |  |  | 36.45 |  |  | 14,175 |  |  | 8.00 |  |  | 17,719 |  |  | 10.00 |
Tier 1 Capital (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,369,657 |  |  | 19.33 | % | $ | 283,435 |  |  | 4.00 | % |  | N/A |  |  | N/A |
International Bank of Commerce, Laredo |  |  | 969,731 |  |  | 15.89 |  |  | 244,151 |  |  | 4.00 |  | $ | 366,227 |  |  | 6.00 | %
International Bank of Commerce, Brownsville |  |  | 138,467 |  |  | 26.60 |  |  | 20,826 |  |  | 4.00 |  |  | 31,239 |  |  | 6.00 |
International Bank of Commerce, Zapata |  |  | 56,459 |  |  | 31.96 |  |  | 7,065 |  |  | 4.00 |  |  | 10,598 |  |  | 6.00 |
Commerce Bank |  |  | 63,491 |  |  | 35.83 |  |  | 7,087 |  |  | 4.00 |  |  | 10,631 |  |  | 6.00 |
Tier 1 Capital (to Average Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,369,657 |  |  | 11.61 | % | $ | 472,044 |  |  | 4.00 | % | $ | N/A |  |  | N/A |
International Bank of Commerce, Laredo |  |  | 969,731 |  |  | 10.09 |  |  | 384,497 |  |  | 4.00 |  |  | 480,622 |  |  | 5.00 | %
International Bank of Commerce, Brownsville |  |  | 138,467 |  |  | 13.33 |  |  | 41,553 |  |  | 4.00 |  |  | 51,942 |  |  | 5.00 |
International Bank of Commerce, Zapata |  |  | 56,459 |  |  | 10.64 |  |  | 21,219 |  |  | 4.00 |  |  | 26,523 |  |  | 5.00 |
Commerce Bank |  |  | 63,491 |  |  | 11.88 |  |  | 21,372 |  |  | 4.00 |  |  | 26,715 |  |  | 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, 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 |

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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 1H -Subparagraph (c)(2) -URI http://asc.fasb.org/extlink&oid=7881181&loc=d3e65071-112826 Reference 2: 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 3: 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 Reference 4: 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 + Details
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