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