Capital Requirements (Tables)

12 Months Ended

Dec. 31, 2021

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, 2021:
Common Equity Tier 1 (to Risk Weighted Assets):
Consolidated	$	2,057,928	20.47	%	$	703,710	7.000	%		N/A	N/A
International Bank of Commerce, Laredo		1,287,687	19.74			456,544	7.000		$	423,934	6.50	%
International Bank of Commerce, Brownsville		315,957	19.80			111,690	7.000			103,712	6.50
International Bank of Commerce, Oklahoma		221,567	18.59			83,452	7.000			77,491	6.50
Commerce Bank		102,375	46.06			15,559	7.000			14,448	6.50
International Bank of Commerce, Zapata		75,303	42.25			12,475	7.000			11,584	6.50
Total Capital (to Risk Weighted Assets):
Consolidated	$	2,284,579	22.73	%	$	1,055,565	10.500	%		N/A	N/A
International Bank of Commerce, Laredo		1,367,487	20.97			684,816	10.500		$	652,206	10.00	%
International Bank of Commerce, Brownsville		334,495	20.96			167,535	10.500			159,557	10.00
International Bank of Commerce, Oklahoma		232,454	19.50			125,178	10.500			119,217	10.00
Commerce Bank		104,996	47.24			23,339	10.500			22,227	10.00
International Bank of Commerce, Zapata		77,354	43.40			18,713	10.500			17,822	10.00
Tier 1 Capital (to Risk Weighted Assets):
Consolidated	$	2,170,682	21.59	%	$	854,505	8.500	%		N/A	N/A
International Bank of Commerce, Laredo		1,287,687	19.74			554,375	8.500		$	521,764	8.00	%
International Bank of Commerce, Brownsville		315,957	19.80			135,623	8.500			127,645	8.00
International Bank of Commerce, Oklahoma		221,567	18.59			101,334	8.500			95,374	8.00
Commerce Bank		102,375	46.06			18,893	8.500			17,782	8.00
International Bank of Commerce, Zapata		75,303	42.25			15,149	8.500			14,258	8.00
Tier 1 Capital (to Average Assets):
Consolidated	$	2,170,682	13.94	%	$	622,671	4.00	%	$	N/A	N/A
International Bank of Commerce, Laredo		1,287,687	11.14			462,225	4.00			577,781	5.00	%
International Bank of Commerce, Brownsville		315,957	20.17			62,663	4.00			78,329	5.00
International Bank of Commerce, Oklahoma		221,567	11.49			77,164	4.00			96,455	5.00
Commerce Bank		102,375	16.10			25,441	4.00			31,801	5.00
International Bank of Commerce, Zapata		75,303	16.15			18,651	4.00			23,314	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, 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