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Capital Requirements (Tables)

12 Months Ended

Dec. 31, 2020

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, 2020:
Common Equity Tier 1 (to Risk Weighted Assets):
Consolidated	$	1,874,641	19.05	%	$	688,678	7.000	%		N/A	N/A
International Bank of Commerce, Laredo		1,295,437	18.19			498,492	7.000		$	462,885	6.50	%
International Bank of Commerce, Oklahoma		207,339	17.45			83,150	7.000			77,211	6.50
International Bank of Commerce, Brownsville		189,575	22.18			59,843	7.000			55,569	6.50
International Bank of Commerce, Zapata		71,369	34.51			14,476	7.000			13,442	6.50
Commerce Bank		93,426	35.64			18,347	7.000			17,037	6.50
Total Capital (to Risk Weighted Assets):
Consolidated	$	2,105,360	21.40	%	$	1,033,017	10.500	%		N/A	N/A
International Bank of Commerce, Laredo		1,380,685	19.39			747,737	10.500		$	712,131	10.00	%
International Bank of Commerce, Oklahoma		218,657	18.41			124,725	10.500			118,786	10.00
International Bank of Commerce, Brownsville		200,269	23.43			89,765	10.500			85,490	10.00
International Bank of Commerce, Zapata		73,510	35.55			21,714	10.500			20,680	10.00
Commerce Bank		96,240	36.72			27,521	10.500			26,210	10.00
Tier 1 Capital (to Risk Weighted Assets):
Consolidated	$	1,992,403	20.25	%	$	836,252	8.500	%		N/A	N/A
International Bank of Commerce, Laredo		1,295,437	18.19			605,311	8.500		$	569,705	8.00	%
International Bank of Commerce, Oklahoma		207,339	17.45			100,968	8.500			95,029	8.00
International Bank of Commerce, Brownsville		189,575	22.18			72,667	8.500			68,392	8.00
International Bank of Commerce, Zapata		71,369	34.51			17,578	8.500			16,544	8.00
Commerce Bank		93,426	35.64			22,279	8.500			20,968	8.00
Tier 1 Capital (to Average Assets):
Consolidated	$	1,992,403	14.92	%	$	534,228	4.00	%	$	N/A	N/A
International Bank of Commerce, Laredo		1,295,437	13.11			395,289	4.00			494,112	5.00	%
International Bank of Commerce, Oklahoma		207,339	12.98			63,879	4.00			79,848	5.00
International Bank of Commerce, Brownsville		189,575	14.55			52,101	4.00			65,127	5.00
International Bank of Commerce, Zapata		71,369	16.52			17,277	4.00			21,596	5.00
Commerce Bank		93,426	16.69			22,394	4.00			27,993	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, 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