Capital Requirements (Tables)

12 Months Ended

Dec. 31, 2014

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, 2014:
Total Capital (to Risk Weighted Assets):
Consolidated	$	1,524,998		20.24	%	$	602,847		8.00	%		N/A		N/A
International Bank of Commerce, Laredo		1,131,528		17.31			523,006		8.00		$	653,757		10.00	%
International Bank of Commerce, Brownsville		151,489		28.60			42,381		8.00			52,976		10.00
International Bank of Commerce, Zapata		60,946		33.83			14,412		8.00			18,041		10.00
Commerce Bank		68,291		37.42			14,600		8.00			18,251		10.00
Tier 1 Capital (to Risk Weighted Assets):
Consolidated	$	1,457,068		19.34	%	$	301,424		4.00	%		N/A		N/A
International Bank of Commerce, Laredo		1,071,360		16.39			261,503		4.00		$	392,254		6.00	%
International Bank of Commerce, Brownsville		145,584		27.48			21,190		4.00			31,785		6.00
International Bank of Commerce, Zapata		60,035		33.33			7,206		4.00			10,809		6.00
Commerce Bank		67,347		36.90			7,300		4.00			10,950		6.00
Tier 1 Capital (to Average Assets):
Consolidated	$	1,457,068		12.33	%	$	472,864		4.00	%	$	N/A		N/A
International Bank of Commerce, Laredo		1,071,360		11.22			381,804		4.00			477,255		5.00	%
International Bank of Commerce, Brownsville		145,584		13.96			41,717		4.00			52,146		5.00
International Bank of Commerce, Zapata		60,035		10.88			22,081		4.00			27,602		5.00
Commerce Bank		67,347		12.04			22,373		4.00			27,966		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, 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

- 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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