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21MAR200523282374INTERNATIONAL BANCSHARES CORPORATION

ALL BANKS MEMBER FDICMEMBER BANKS:

International Bank Of Commerce1200 San Bernardo Avenue

(956) 722-7611

Laredo 1500 NE Lp. 410 2225 Nolana Palmhurst 3200 Woodridge, Ste. 1350(210) 281-2400 (956) 688-3600 (713) 285-22667002 San Bernardo Ave. 215 E. Mile 3 Rd.

(956) 728-0060 (956) 688-367518750 Stone Oak Pkwy 1200 E. Jackson 3939 Montrose(210) 496-6111 (956) 688-3685 (713) 285-21951002 Matamoros Penitas

(956) 726-6622 1705 Expressway 835300 Walzem Rd. 2800 Nolana 5085 Westheimer Ste. 4640(956) 630-9347(210) 564-2300 (956) 688-3620 (713) 285-22961300 Guadalupe

(956) 726-6601 Corpus Christi11831 Bandera Rd. 2900 W. Exp 83 1545 Eldridge Parkway221 S. Shoreline(210) 369-2980 (956) 630-9350 (713) 285-20422418 Jacaman Rd.(361) 888-4000(956) 764-6161 3119 SE Military Drive Alamo Richmond6130 S. Staples(210) 354-69805300 San Dario Ste. 440D 1421 West Frontage Rd. 5250 FM 1460(361) 991-4000(956) 728-0063 (956) 688-3645 (832) 595-0920327 SW Loop 4104622 Everhart(210) 930-98255300 San Dario Ste. 202 Alton Sugarland(361) 903-7265(956) 790-6500 215 West Martin Ave. 10570 State Hwy 6938 SW Military Dr.

(956) 630-9319 (713) 285-219914066 Northwest Blvd.(210) 930-98159710 Mines Road(361) 903-7285(956) 728-0092 Edinburg Katy11002 Culebra

400 S. Closner Flour Bluff 544 West Grand Parkway(210) 930-98504501 San Bernardo(956) 688-3640 (713) 285-20371317 Waldron Road(956) 722-0485 Service Center (361) 886-99504101 S. McColl Lake Jackson7909 McPherson Ave. 2416 Cee Gee(956) 630-9337 Sinton 212 That Way(956) 728-0064 (210) 821-4700

(979) 297-2466301 West Sinton1724 W. University Dr. Ste. B2442 San Isidro Pkwy 8770 Tesoro (361) 364-1230(956) 688-3680(956) 726-6611 Angleton(210) 821-4700Rockport 130 W. Mulberry2205 W. University Dr.2415 S. Zapata Hwy. Luling (979) 849-77112701 Hwy. 35 N.(956) 630-9340(956) 728-0061 200 S. Pecan St. (361) 729-0500 Freeport(830) 875-2445 Mission5610 San Bernardo

Aransas Pass 1208 N. Brazosport Blvd.900 N. Bryan Rd.(956) 726-6688 Marble Falls (979) 233-26772501 W. Wheeler Ave.(956) 688-36302401 Hwy. 281 North2320 Bob Bullock Lp 20 (361) 729-0500 Dickinson(830) 693-4301 200 E. Griffin Pkwy(956) 728-0062Portland 2301 West FM 646(956) 632-3512San Marcos4401 Highway 83 South (713) 285-20211800 US Hwy 1811081 Wonder World 2410 E. Expressway 83(956) 794-8140 (361) 886-9910 Eagle Pass(512) 353-1011 (956) 688-3625

1600 Water Street, Suite B520 Port Lavaca 2395 E. Main Street121 S. Shary Rd.(956) 722-7611 Shertz (830) 773-2313311 N. Virginia St.(956) 630-93653800 Hwy 3009 (361) 552-9771Administration Center 2538 E. Main Street(210) 354-6982 Pharr2418 Jacaman Rd. (Rear) (830) 773-2313Bay City401 South Cage(956) 722-7611 McAllen1916 7th Street 439 Main Street(956) 688-3635One S. Broadway (979) 245-5781San Antonio (830) 773-2313(956) 686-0263 1007 North I Rd.130 East Travis Victoria 2305 Del Rio Blvd.(956) 688-36557124 N. 23rd.(210) 518-2500

6411 N. Navarro (830) 773-2313(956) 630-9310 Weslaco5029 Broadway (361) 575-8394455 S. Bibb Ave. Ste. 502301 S. 10th St. 606 S. Texas Blvd.(210) 518-2523

Houston (830) 773-2313(956) 688-3610 (956) 688-36056630 Callaghan 5615 Kirby Dr. 2135 East Main Street3600 N.10th. St. 1310 N. Texas(210) 369-2960 (713) 526-1211 (830) 773-2313(956) 688-3690 (956) 937-9500

2201 NW Military Dr. 8203 S. Kirkwood2200 S. 10th St. (La Plaza East)(210) 366-0617 Hidalgo (713) 285-2165

(956) 688-3670 1023 S. Bridge12400 Hwy. 281 North 1001 McKinney Ste. 150(956) 688-3665802 S. Jackson Road(210) 369-2900 (713) 285-2140(956) 630-9360 San Juan16339 Huebner Rd.

108 E. FM 4952200 S. 10th St. (La Plaza West)(210) 369-2974(956) 630-9320(956) 688-3660

8650 Fredericksburg Rd.(210) 930-9811

International Bank Of Commerce1200 San Bernardo Avenue

(956) 722-7611

Del Rio Round Rock Guthrie 14001 N. McArthur Blvd Sulphur(405) 775-17102410 Dodson St. 1850 Gattis School Rd. 120 N. Division St. 2009 W. Broadway Ave.

(830) 775-4265 (512) 320-9530 (405) 775-8064 (580) 622-3118Lawton1507 Veterans Blvd Leander Tulsa 2101 W. Gore Weatherford

(830) 775-4265 (580) 355-02531695 US Hwy 183 2808 E. 101st St. 109 E. Franklin Ave.(512) 320-9540 (918) 497-2810 (580) 772-74412205 Veterans Blvd, Suite E9 6425 NW Cache Rd.

(830) 775-4265 (580) 250-43111951 S. Yale Ave.Oklahoma Yukon(918) 497-2452Ardmore 1203 Cornwell Dr.Uvalde Miami

2302 12th Ave. (405) 775-17113100 E. Hwy. 90 4202 S. Garnett 2520 N. Main(580) 223-0345(830) 278-8045 (918) 497-2880 (918) 542-4411 StillwaterBroken Arrow 1900 N. Perkins2065 E. Main St. 2250 E. 73rd St Midwest City

6412 S. Elm Pl. (405) 372-0889(830) 278-8045 (918) 497-2400 2200 S. Douglas Blvd.(918) 497-2492 (405) 775-8057 Owasso11 E. 5th St.Austin8112 Garnett Rd. 9350 N. Garnett(918) 497-2449500 West 5th St. Moore(918) 497-2840 (918) 497-2835(512) 397-4506 513 NE 12th8202 E. 71st St

Chickasha (405) 775-8066 Elk City(918) 497-245410405 FM 2222628 Grand Ave. 1504 W. 3rd St.(512) 397-4584 901 SW 19th5302 E. Skelly Dr.(405) 775-8052 (580) 225-7200(405) 775-1720(918) 497-24532817 E. Cesar Chavez

Claremore Norman(512) 320-9650 Pauls ValleyChandler1050 N. Lynn Riggs Blvd. 2403 W. Main St.700 W. Grant Ave.12625 North IH 35 Bldg. D 3108 E. First St.(918) 497-2456 (405) 775-8069(405) 238-7318(512) 397-4570 (405) 258-2351Clinton LindseyPurcell11400 Burnett Road Bldg. 46 Oklahoma City1002 W. Frisco Ave. 209 E. Cherokee430 W. Lincoln St.(512) 397-4595 3817 NW Expressway(580) 323-0730 (405) 756-4494(405) 775-8094(405) 841-21009900 South IH 35 Bldg. Y Duncan Muskogee(512) 397-4530 Sand Springs100 W. Park Ave.1006 Main 3143 Azalea Park Drive3402 State Hwy. 97(405) 775-80934025 S. FM 620 (580) 255-8187 (918) 682-2300(918) 497-2459(512) 320-9575 5701 N. May Ave.2311 N. Hwy 81 Bixby(405) 775-8056 SapulpaFirst Equity (580) 255-9055 11886 S. Memorial911 E. Taft St.9606 N. Mopac Expressway 10500 S. Pennsylvania Ave (918) 497-2855Edmond (918) 497-2458Ste 100 (405) 775-8058

1812 SE 15th St. Bethany(512) 346-8892 Shawnee2301 N. Portland Ave.(405) 775-8061 7723 NW 23rd St.2512 N. Harrison Ave.(405) 775-8068Bastrop (405) 775-8063421 S. Santa Fe Ave. (405) 775-8067701 W. Hwy 71 12241 N. May Ave.(405) 775-8055(512) 308-9412 (405) 775-8059GroveCedar Park 4902 N. Western Ave.100 E. 3rd St.301 W. Whitestone Blvd (405) 775-8054(918)786-4438(512) 397-4552

Commerce Bank5800 San Dario

Laredo, Texas 78041(956) 724-1616

2120 Saunders 2302 Blaine St. 1200 Welby Court(956) 724-1616 (956) 724-1616 (956) 724-1616

International Bank of Commerce, Brownsville1600 Ruben Torres Blvd

Brownsville, TX 78522-1831(956) 547-1000

1623 Central Blvd. 2370 N. Expressway South Padre Island Harlingen 1801 W. Lincoln(956) 547-1323 (956) 547-1380 (956)428-4559911 Padre Blvd. 501 S. Dixieland Rd.

(956) 547-1471 (956) 428-69024520 E. 14th St. 630 E. Elizabeth St.(956) 547-1300 (956) 547-1350 321 S. 77th Sunshine StripPort Isabel

(956) 428-64541401 W. Hwy. 10079 E. Alton Gloor Blvd 3600 W. Alton Gloor Blvd.(956) 943-2108(956) 547-1360 (956) 547-1390

International Bank of Commerce, Zapata908 N. US Highway 83

Zapata, TX 78076(956) 765-8361

Roma Rio Grande City 4031 E. Hwy 83 Kingsville Beeville(956) 487-55351702 Grant St. 4015 E. Hwy. 83 1320 General Cavazos Blvd 802 E. Houston St.

(956) 849-1047 (956) 487-5531 (361) 516-1040 (361) 358-8700Hebbronville4534 E. Hwy. 83Alice 401 N. Smith Ave. Freer(956) 488-6367 (361) 527-26452001 E. Main St. 405 S. Norton

(361) 661-1211 (361) 661-1211

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Assets

Liabilities

pari passu

Consolidation and Basis of Presentation

Subsequent Events

Investment Securities

Provision and Allowance for Probable Loan Losses

Loans

Impaired Loans

Troubled Debt Restructured Loans

Non-Accrual Loans

Other Real Estate Owned

Bank Premises and Equipment

Other Investments

Income Taxes

Stock Options

Net Income Per Share

Goodwill and Identified Intangible Assets

Impairment of Long-Lived Assets

Consolidated Statements of Cash Flows

Accounting for Transfers and Servicing of Financial Assets

Segments of an Enterprise and Related Information

Comprehensive Income (Loss)

Advertising

Reclassifications

New Accounting Standards

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Measured on a recurring basis:

Measured on a recurring basis:

Measured on a non-recurring basis:

Measured on a non-recurring basis:

Cash and Cash Equivalents

Investment securities held-to-maturity

Investment Securities

Loans

Accrued Interest

Deposits

Securities Sold Under Repurchase Agreements

Junior Subordinated Deferrable Interest Debentures

Other Borrowed Funds

Commitments to Extend Credit and Letters of Credit

Limitations

Assets

Liabilities and Shareholders’ Equity

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