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Capital Requirements (Tables) | 12 Months Ended
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Dec. 31, 2017
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 2017 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, 2017: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Common Equity Tier 1 (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,584,665 |  | 17.11 | % | $ | 532,579 |  | 5.750 | % |  | N/A |  | N/A |
International Bank of Commerce, Laredo |  |  | 1,119,173 |  | 17.10 |  |  | 376,245 |  | 5.750 |  | $ | 425,320 |  | 6.50 | %
International Bank of Commerce, Oklahoma |  |  | 169,279 |  | 13.41 |  |  | 72,586 |  | 5.750 |  |  | 82,054 |  | 6.50 |
International Bank of Commerce, Brownsville |  |  | 165,034 |  | 25.94 |  |  | 36,583 |  | 5.750 |  |  | 41,355 |  | 6.50 |
International Bank of Commerce, Zapata |  |  | 66,406 |  | 30.58 |  |  | 12,487 |  | 5.750 |  |  | 14,116 |  | 6.50 |
Commerce Bank |  |  | 79,330 |  | 33.22 |  |  | 13,733 |  | 5.750 |  |  | 15,524 |  | 6.50 |
Total Capital (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,807,107 |  | 19.51 | % | $ | 856,757 |  | 9.250 | % |  | N/A |  | N/A |
International Bank of Commerce, Laredo |  |  | 1,173,068 |  | 17.93 |  |  | 605,263 |  | 9.250 |  | $ | 654,339 |  | 10.00 | %
International Bank of Commerce, Oklahoma |  |  | 178,057 |  | 14.11 |  |  | 116,769 |  | 9.250 |  |  | 126,237 |  | 10.00 |
International Bank of Commerce, Brownsville |  |  | 170,613 |  | 26.82 |  |  | 58,851 |  | 9.250 |  |  | 63,623 |  | 10.00 |
International Bank of Commerce, Zapata |  |  | 68,718 |  | 31.64 |  |  | 20,088 |  | 9.250 |  |  | 21,717 |  | 10.00 |
Commerce Bank |  |  | 81,278 |  | 34.03 |  |  | 22,092 |  | 9.250 |  |  | 23,884 |  | 10.00 |
Tier 1 Capital (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,734,595 |  | 18.73 | % | $ | 671,512 |  | 7.250 | % |  | N/A |  | N/A |
International Bank of Commerce, Laredo |  |  | 1,119,173 |  | 17.10 |  |  | 474,395 |  | 7.250 |  | $ | 523,471 |  | 8.00 | %
International Bank of Commerce, Oklahoma |  |  | 169,279 |  | 13.41 |  |  | 91,521 |  | 7.250 |  |  | 100,989 |  | 8.00 |
International Bank of Commerce, Brownsville |  |  | 165,034 |  | 25.94 |  |  | 46,127 |  | 7.250 |  |  | 50,899 |  | 8.00 |
International Bank of Commerce, Zapata |  |  | 66,406 |  | 30.58 |  |  | 15,745 |  | 7.250 |  |  | 17,374 |  | 8.00 |
Commerce Bank |  |  | 79,330 |  | 33.22 |  |  | 17,316 |  | 7.250 |  |  | 19,107 |  | 8.00 |
Tier 1 Capital (to Average Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,734,595 |  | 14.62 | % | $ | 474,675 |  | 4.00 | % | $ | N/A |  | N/A |
International Bank of Commerce, Laredo |  |  | 1,119,173 |  | 13.44 |  |  | 333,166 |  | 4.00 |  |  | 416,458 |  | 5.00 | %
International Bank of Commerce, Oklahoma |  |  | 169,279 |  | 11.31 |  |  | 59,854 |  | 4.00 |  |  | 74,818 |  | 5.00 |
International Bank of Commerce, Brownsville |  |  | 165,034 |  | 17.17 |  |  | 38,440 |  | 4.00 |  |  | 48,050 |  | 5.00 |
International Bank of Commerce, Zapata |  |  | 66,406 |  | 14.20 |  |  | 18,701 |  | 4.00 |  |  | 23,376 |  | 5.00 |
Commerce Bank |  |  | 79,330 |  | 14.56 |  |  | 21,789 |  | 4.00 |  |  | 27,236 |  | 5.00 |
The Company’s and the bank subsidiaries’ actual capital amounts and ratios for 2016 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, 2016: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Common Equity Tier 1 (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,468,662 |  | 16.95 | % | $ | 444,190 |  | 5.125 | % |  | N/A |  | N/A |
International Bank of Commerce, Laredo |  |  | 1,201,527 |  | 16.63 |  |  | 370,342 |  | 5.125 |  | $ | 469,701 |  | 6.50 | %
International Bank of Commerce, Brownsville |  |  | 158,533 |  | 25.61 |  |  | 31,720 |  | 5.125 |  |  | 40,230 |  | 6.50 |
International Bank of Commerce, Zapata |  |  | 65,989 |  | 34.09 |  |  | 9,922 |  | 5.125 |  |  | 12,584 |  | 6.50 |
Commerce Bank |  |  | 73,765 |  | 31.84 |  |  | 11,872 |  | 5.125 |  |  | 15,058 |  | 6.50 |
Total Capital (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,687,501 |  | 19.47 | % | $ | 747,540 |  | 8.625 | % |  | N/A |  | N/A |
International Bank of Commerce, Laredo |  |  | 1,260,886 |  | 17.45 |  |  | 623,258 |  | 8.625 |  | $ | 722,618 |  | 10.00 | %
International Bank of Commerce, Brownsville |  |  | 163,937 |  | 26.49 |  |  | 53,382 |  | 8.625 |  |  | 61,892 |  | 10.00 |
International Bank of Commerce, Zapata |  |  | 67,464 |  | 34.85 |  |  | 16,698 |  | 8.625 |  |  | 19,360 |  | 10.00 |
Commerce Bank |  |  | 76,093 |  | 32.85 |  |  | 19,980 |  | 8.625 |  |  | 23,166 |  | 10.00 |
Tier 1 Capital (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,618,935 |  | 18.68 | % | $ | 574,197 |  | 6.625 | % |  | N/A |  | N/A |
International Bank of Commerce, Laredo |  |  | 1,201,527 |  | 16.63 |  |  | 478,734 |  | 6.625 |  | $ | 578,094 |  | 8.00 | %
International Bank of Commerce, Brownsville |  |  | 158,533 |  | 25.61 |  |  | 41,004 |  | 6.625 |  |  | 49,514 |  | 8.00 |
International Bank of Commerce, Zapata |  |  | 65,989 |  | 34.09 |  |  | 12,826 |  | 6.625 |  |  | 15,488 |  | 8.00 |
Commerce Bank |  |  | 73,765 |  | 31.84 |  |  | 15,347 |  | 6.625 |  |  | 18,532 |  | 8.00 |
Tier 1 Capital (to Average Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,618,935 |  | 13.91 | % | $ | 465,438 |  | 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 |

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