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Capital Requirements (Tables)

12 Months Ended

Dec. 31, 2019

Schedule of the Company's and the bank subsidiaries' actual capital amounts and ratios



							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, 2019:
Common Equity Tier 1 (to Risk Weighted Assets):
Consolidated		$	1,833,174		18.58	%	$	690,746		7.000	%		N/A		N/A
International Bank of Commerce, Laredo			1,268,078		18.23			486,950		7.000		$	452,168		6.50	%
International Bank of Commerce, Oklahoma			201,202		16.91			83,303		7.000			77,353		6.50
International Bank of Commerce, Brownsville			185,112		22.70			57,084		7.000			53,006		6.50
International Bank of Commerce, Zapata			72,402		36.46			13,902		7.000			12,909		6.50
Commerce Bank			91,239		34.83			18,336		7.000			17,026		6.50
Total Capital (to Risk Weighted Assets):
Consolidated		$	2,018,488		20.46	%	$	1,036,118		10.500	%		N/A		N/A
International Bank of Commerce, Laredo			1,315,453		18.91			730,425		10.500		$	695,643		10.00	%
International Bank of Commerce, Oklahoma			206,807		17.38			124,955		10.500			119,004		10.00
International Bank of Commerce, Brownsville			192,417		23.60			85,626		10.500			81,548		10.00
International Bank of Commerce, Zapata			74,737		37.63			20,853		10.500			19,860		10.00
Commerce Bank			93,396		35.65			27,504		10.500			26,195		10.00
Tier 1 Capital (to Risk Weighted Assets):
Consolidated		$	1,953,711		19.80	%	$	838,762		8.500	%		N/A		N/A
International Bank of Commerce, Laredo			1,268,078		18.23			591,296		8.500		$	556,514		8.00	%
International Bank of Commerce, Oklahoma			201,202		16.91			101,154		8.500			95,203		8.00
International Bank of Commerce, Brownsville			185,112		22.70			69,316		8.500			65,239		8.00
International Bank of Commerce, Zapata			72,402		36.46			16,881		8.500			15,888		8.00
Commerce Bank			91,239		34.83			22,265		8.500			20,956		8.00
Tier 1 Capital (to Average Assets):
Consolidated		$	1,953,711		16.65	%	$	469,267		4.00	%	$	N/A		N/A
International Bank of Commerce, Laredo			1,268,078		15.21			333,576		4.00			416,970		5.00	%
International Bank of Commerce, Oklahoma			201,202		14.79			54,406		4.00			68,007		5.00
International Bank of Commerce, Brownsville			185,112		17.41			42,529		4.00			53,161		5.00
International Bank of Commerce, Zapata			72,402		19.08			15,179		4.00			18,974		5.00
Commerce Bank			91,239		18.18			20,073		4.00			25,091		5.00


													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, 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