Capital Requirements (Tables)

12 Months Ended

Dec. 31, 2013

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

- 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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