(13) International Operations

The Company provides international banking services for its customers through its bank subsidiaries. Neither the Company nor its bank subsidiaries have facilities located outside the United States. International operations are distinguished from domestic operations based upon the domicile of the customer.

Because the resources employed by the Company are common to both international and domestic operations, it is not practical to determine net income generated exclusively from international activities.

A summary of assets attributable to international operations at December 31, 2013 and 2012 are as follows:

	2013			2012

	(Dollars in Thousands)
Loans:
Commercial	$	142,145		$	148,770
Others		39,697			40,204


		181,842			188,974
Less allowance for probable loan losses		(1,133	)		(1,140	)


Net loans	$	180,709		$	187,834




Accrued interest receivable	$	617		$	902

At December 31, 2013, the Company had $130,116,000 in outstanding standby and commercial letters of credit to facilitate trade activities. The letters of credit are issued primarily in conjunction with credit facilities, which are available to various Mexican banks doing business with the Company.

Revenues directly attributable to international operations were $6,085,000, $7,714,000 and $9,870,000 for the years ended December 31, 2013, 2012 and 2011, respectively.