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Capital Requirements (Tables) | 12 Months Ended
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Dec. 31, 2018
Capital Requirements |
Schedule of the Company's and the bank subsidiaries' actual capital amounts and ratios | Our actual capital amounts and ratios for 2018 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, 2018: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Common Equity Tier 1 (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,711,682 |  | 17.55 | % | $ | 621,850 |  | 6.375 | % |  | N/A |  | N/A |
International Bank of Commerce, Laredo |  |  | 1,201,462 |  | 17.24 |  |  | 444,207 |  | 6.375 |  | $ | 452,917 |  | 6.50 | %
International Bank of Commerce, Oklahoma |  |  | 188,997 |  | 13.95 |  |  | 86,344 |  | 6.375 |  |  | 88,037 |  | 6.50 |
International Bank of Commerce, Brownsville |  |  | 177,456 |  | 24.73 |  |  | 45,741 |  | 6.375 |  |  | 46,638 |  | 6.50 |
International Bank of Commerce, Zapata |  |  | 70,984 |  | 30.77 |  |  | 14,707 |  | 6.375 |  |  | 14,996 |  | 6.50 |
Commerce Bank |  |  | 89,305 |  | 32.95 |  |  | 17,276 |  | 6.375 |  |  | 17,615 |  | 6.50 |
Total Capital (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,925,905 |  | 19.74 | % | $ | 963,258 |  | 9.875 | % |  | N/A |  | N/A |
International Bank of Commerce, Laredo |  |  | 1,248,107 |  | 17.91 |  |  | 688,086 |  | 9.875 |  | $ | 696,796 |  | 10.00 | %
International Bank of Commerce, Oklahoma |  |  | 198,293 |  | 14.64 |  |  | 133,749 |  | 9.875 |  |  | 135,442 |  | 10.00 |
International Bank of Commerce, Brownsville |  |  | 183,554 |  | 25.58 |  |  | 70,854 |  | 9.875 |  |  | 71,750 |  | 10.00 |
International Bank of Commerce, Zapata |  |  | 73,726 |  | 31.96 |  |  | 22,782 |  | 9.875 |  |  | 23,070 |  | 10.00 |
Commerce Bank |  |  | 90,894 |  | 33.54 |  |  | 26,761 |  | 9.875 |  |  | 27,100 |  | 10.00 |
Tier 1 Capital (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,859,536 |  | 19.06 | % | $ | 768,168 |  | 7.875 | % |  | N/A |  | N/A |
International Bank of Commerce, Laredo |  |  | 1,201,462 |  | 17.24 |  |  | 548,727 |  | 7.875 |  | $ | 557,437 |  | 8.00 | %
International Bank of Commerce, Oklahoma |  |  | 188,997 |  | 13.95 |  |  | 106,660 |  | 7.875 |  |  | 108,354 |  | 8.00 |
International Bank of Commerce, Brownsville |  |  | 177,456 |  | 24.73 |  |  | 56,503 |  | 7.875 |  |  | 57,400 |  | 8.00 |
International Bank of Commerce, Zapata |  |  | 70,984 |  | 30.77 |  |  | 18,168 |  | 7.875 |  |  | 18,456 |  | 8.00 |
Commerce Bank |  |  | 89,305 |  | 32.95 |  |  | 21,341 |  | 7.875 |  |  | 21,680 |  | 8.00 |
Tier 1 Capital (to Average Assets): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 1,859,536 |  | 15.87 | % | $ | 468,593 |  | 4.00 | % | $ | N/A |  | N/A |
International Bank of Commerce, Laredo |  |  | 1,201,462 |  | 14.45 |  |  | 332,507 |  | 4.00 |  |  | 415,634 |  | 5.00 | %
International Bank of Commerce, Oklahoma |  |  | 188,997 |  | 12.53 |  |  | 60,344 |  | 4.00 |  |  | 75,430 |  | 5.00 |
International Bank of Commerce, Brownsville |  |  | 177,456 |  | 17.25 |  |  | 41,144 |  | 4.00 |  |  | 51,430 |  | 5.00 |
International Bank of Commerce, Zapata |  |  | 70,984 |  | 16.22 |  |  | 17,507 |  | 4.00 |  |  | 21,884 |  | 5.00 |
Commerce Bank |  |  | 89,305 |  | 15.53 |  |  | 23,000 |  | 4.00 |  |  | 28,750 |  | 5.00 |
Our actual capital amounts and ratios for 2017 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, 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 |

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