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