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Capital Requirements (Tables) | 12 Months Ended
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Dec. 31, 2016
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 2016 under current guidelines are presented in the following table:
|  |  |  |  |  |  | For Capital Adequacy |  | To Be Well-Capitalized |
|  |  |  |  |  |  | Purposes |  | Under Prompt Corrective |
|  | Actual |  | Phase In Schedule |  | 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, 2016: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Common Equity Tier 1 (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,468,662 |  | 16.95 | % | $ | 390,021 |  | 5.125 | % |  | N/A |  | N/A |
International Bank of Commerce, Laredo |  |  | 1,201,527 |  | 16.63 |  |  | 325,178 |  | 5.125 |  | $ | 469,701 |  | 6.50 | %
International Bank of Commerce, Brownsville |  |  | 158,533 |  | 25.61 |  |  | 27,852 |  | 5.125 |  |  | 40,230 |  | 6.50 |
International Bank of Commerce, Zapata |  |  | 65,989 |  | 34.09 |  |  | 8,712 |  | 5.125 |  |  | 12,584 |  | 6.50 |
Commerce Bank |  |  | 73,765 |  | 31.84 |  |  | 10,425 |  | 5.125 |  |  | 15,058 |  | 6.50 |
Total Capital (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,687,501 |  | 19.47 | % | $ | 693,370 |  | 8.625 | % |  | N/A |  | N/A |
International Bank of Commerce, Laredo |  |  | 1,260,886 |  | 17.45 |  |  | 578,094 |  | 8.625 |  | $ | 722,618 |  | 10.00 | %
International Bank of Commerce, Brownsville |  |  | 163,937 |  | 26.49 |  |  | 49,514 |  | 8.625 |  |  | 61,892 |  | 10.00 |
International Bank of Commerce, Zapata |  |  | 67,464 |  | 34.85 |  |  | 15,488 |  | 8.625 |  |  | 19,360 |  | 10.00 |
Commerce Bank |  |  | 76,093 |  | 32.85 |  |  | 18,532 |  | 8.625 |  |  | 23,166 |  | 10.00 |
Tier 1 Capital (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,618,935 |  | 18.68 | % | $ | 520,028 |  | 6.625 | % |  | N/A |  | N/A |
International Bank of Commerce, Laredo |  |  | 1,201,527 |  | 16.63 |  |  | 433,571 |  | 6.625 |  | $ | 578,094 |  | 8.00 | %
International Bank of Commerce, Brownsville |  |  | 158,533 |  | 25.61 |  |  | 37,135 |  | 6.625 |  |  | 49,514 |  | 8.00 |
International Bank of Commerce, Zapata |  |  | 65,989 |  | 34.09 |  |  | 11,616 |  | 6.625 |  |  | 15,488 |  | 8.00 |
Commerce Bank |  |  | 73,765 |  | 31.84 |  |  | 13,899 |  | 6.625 |  |  | 18,532 |  | 8.00 |
Tier 1 Capital (to Average Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,618,935 |  | 13.91 | % | $ | 471,135 |  | 4.00 | % | $ | N/A |  | N/A |
International Bank of Commerce, Laredo |  |  | 1,201,527 |  | 12.50 |  |  | 384,342 |  | 4.00 |  |  | 480,427 |  | 5.00 | %
International Bank of Commerce, Brownsville |  |  | 158,533 |  | 16.91 |  |  | 37,509 |  | 4.00 |  |  | 46,886 |  | 5.00 |
International Bank of Commerce, Zapata |  |  | 65,989 |  | 13.87 |  |  | 19,029 |  | 4.00 |  |  | 23,786 |  | 5.00 |
Commerce Bank |  |  | 73,765 |  | 13.05 |  |  | 22,607 |  | 4.00 |  |  | 28,259 |  | 5.00 |
The Company’s and the bank subsidiaries’ actual capital amounts and ratios for 2015 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, 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 |

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