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Capital Requirements (Tables) | 12 Months Ended
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Dec. 31, 2015
Capital Requirements |
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 2015 under current guidelines are presented in the following table:
|  |  |  |  |  |  |  |  |  |  |  | To Be Well-Capitalized |
|  |  |  |  |  |  | For Capital Adequacy |  | Under Prompt Corrective |
|  | Actual |  | Purposes |  | Action Provisions |
|  | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio |
|  |  |  |  |  |  | (greater than |  | (greater than |  | (greater than |  | (greater than |
|  |  |  |  |  |  | or equal to) |  | or equal to) |  | or equal to) |  | or equal to) |
|  | (Dollars in Thousands) |
As of December 31, 2015: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Common Equity Tier 1 (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,380,801 |  | 16.81 | % | $ | 369,726 |  | 4.50 | % |  | N/A |  | N/A |
International Bank of Commerce, Laredo |  |  | 1,151,812 |  | 16.42 |  |  | 315,707 |  | 4.50 |  | $ | 456,022 |  | 6.50 | %
International Bank of Commerce, Brownsville |  |  | 154,141 |  | 26.26 |  |  | 26,418 |  | 4.50 |  |  | 38,159 |  | 6.50 |
International Bank of Commerce, Zapata |  |  | 66,153 |  | 35.71 |  |  | 8,336 |  | 4.50 |  |  | 12,042 |  | 6.50 |
Commerce Bank |  |  | 72,882 |  | 36.17 |  |  | 9,067 |  | 4.50 |  |  | 13,097 |  | 6.50 |
Total Capital (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,605,419 |  | 19.54 | % | $ | 657,291 |  | 8.00 | % |  | N/A |  | N/A |
International Bank of Commerce, Laredo |  |  | 1,213,377 |  | 17.30 |  |  | 561,258 |  | 8.00 |  | $ | 701,572 |  | 10.00 | %
International Bank of Commerce, Brownsville |  |  | 159,913 |  | 27.24 |  |  | 46,965 |  | 8.00 |  |  | 58,706 |  | 10.00 |
International Bank of Commerce, Zapata |  |  | 67,470 |  | 36.42 |  |  | 14,820 |  | 8.00 |  |  | 18,525 |  | 10.00 |
Commerce Bank |  |  | 74,204 |  | 36.83 |  |  | 16,119 |  | 8.00 |  |  | 20,149 |  | 10.00 |
Tier 1 Capital (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,535,443 |  | 18.69 | % | $ | 492,968 |  | 6.00 | % |  | N/A |  | N/A |
International Bank of Commerce, Laredo |  |  | 1,151,812 |  | 16.42 |  |  | 420,943 |  | 6.00 |  | $ | 561,258 |  | 8.00 | %
International Bank of Commerce, Brownsville |  |  | 154,141 |  | 26.26 |  |  | 35,224 |  | 6.00 |  |  | 46,965 |  | 8.00 |
International Bank of Commerce, Zapata |  |  | 66,153 |  | 35.71 |  |  | 11,115 |  | 6.00 |  |  | 14,820 |  | 8.00 |
Commerce Bank |  |  | 72,882 |  | 36.17 |  |  | 12,089 |  | 6.00 |  |  | 16,119 |  | 8.00 |
Tier 1 Capital (to Average Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,535,443 |  | 13.15 | % | $ | 466,897 |  | 4.00 | % | $ | N/A |  | N/A |
International Bank of Commerce, Laredo |  |  | 1,151,812 |  | 12.09 |  |  | 381,105 |  | 4.00 |  |  | 476,381 |  | 5.00 | %
International Bank of Commerce, Brownsville |  |  | 154,141 |  | 15.03 |  |  | 41,034 |  | 4.00 |  |  | 51,293 |  | 5.00 |
International Bank of Commerce, Zapata |  |  | 66,153 |  | 13.15 |  |  | 20,129 |  | 4.00 |  |  | 25,161 |  | 5.00 |
Commerce Bank |  |  | 72,882 |  | 12.94 |  |  | 22,521 |  | 4.00 |  |  | 28,151 |  | 5.00 |
The Company’s and the bank subsidiaries’ actual capital amounts and ratios for 2014 are also presented in the following table:
|  |  |  |  |  |  |  |  |  |  |  | To Be Well-Capitalized |
|  |  |  |  |  |  | For Capital Adequacy |  | Under Prompt Corrective |
|  | Actual |  | Purposes |  | Action Provisions |
|  | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio |
|  |  |  |  |  |  | (greater than |  | (greater than |  | (greater than |  | (greater than |
|  |  |  |  |  |  | or equal to) |  | or equal to) |  | or equal to) |  | 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 |

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