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