Note 10 - REGULATORY CAPITAL REQUIREMENTS (Tables)

6 Months Ended

Jun. 30, 2022

Notes Tables

Schedule of the company and the subsidiary banks actual capital amounts and ratios

										For Capital					To Be Well
										Adequacy Purposes					Capitalized Under
					For Capital					With Capital					Prompt Corrective
	Actual				Adequacy Purposes					Conservation Buffer					Action Provisions
	Amount		Ratio		Amount			Ratio		Amount			Ratio		Amount			Ratio
	( dollars in thousands)
As of June 30, 2022:
Company:
Total risk-based capital	$	907,484	13.40	%	$	543,913	>	8.00	%	$	713,885	>	10.50	%	$	679,891	>	10.00	%
Tier 1 risk-based capital		689,200	10.18			407,934	>	6.00			577,907	>	8.50			543,913	>	8.00
Tier 1 leverage		689,200	9.61			286,877	>	4.00			286,877	>	4.00			358,596	>	5.00
Common equity Tier 1		640,666	9.46			305,951	>	4.50			475,923	>	7.00			441,929	>	6.50
Quad City Bank & Trust:
Total risk-based capital	$	257,008	13.73	%	$	149,733	>	8.00	%	$	196,525	>	10.50	%	$	187,166	>	10.00	%
Tier 1 risk-based capital		233,523	12.48			112,300	>	6.00			159,091	>	8.50			149,733	>	8.00
Tier 1 leverage		233,523	10.74			87,009	>	4.00			87,009	>	4.00			108,761	>	5.00
Common equity Tier 1		233,523	12.48			84,225	>	4.50			131,016	>	7.00			121,658	>	6.50
Cedar Rapids Bank & Trust:
Total risk-based capital	$	276,943	14.39	%	$	153,929	>	8.00	%	$	202,032	>	10.50	%	$	192,412	>	10.00	%
Tier 1 risk-based capital		252,865	13.14			115,447	>	6.00			163,550	>	8.50			153,929	>	8.00
Tier 1 leverage		252,865	12.99			77,854	>	4.00			77,854	>	4.00			97,318	>	5.00
Common equity Tier 1		252,865	13.14			86,585	>	4.50			134,688	>	7.00			125,067	>	6.50
Community State Bank:
Total risk-based capital	$	132,136	11.84	%	$	89,251	>	8.00	%	$	117,142	>	10.50	%	$	111,563	>	10.00	%
Tier 1 risk-based capital		118,157	10.59			66,938	>	6.00			94,829	>	8.50			89,251	>	8.00
Tier 1 leverage		118,157	9.92			47,630	>	4.00			47,630	>	4.00			59,537	>	5.00
Common equity Tier 1		118,157	10.59			50,204	>	4.50			78,094	>	7.00			72,516	>	6.50
Guaranty Bank:
Total risk-based capital	$	220,292	12.08	%	$	148,137	>	8.00	%	$	194,429	>	10.50	%	$	185,171	>	10.00	%
Tier 1 risk-based capital		197,467	10.83			111,103	>	6.00			157,395	>	8.50			148,137	>	8.00
Tier 1 leverage		197,467	10.62			74,370	>	4.00			74,370	>	4.00			92,963	>	5.00
Common equity Tier 1		197,467	10.83			83,327	>	4.50			129,620	>	7.00			120,361	>	6.50

										For Capital					To Be Well
										Adequacy Purposes					Capitalized Under
					For Capital					With Capital					Prompt Corrective
	Actual				Adequacy Purposes					Conservation Buffer					Action Provisions
	Amount		Ratio		Amount			Ratio		Amount			Ratio		Amount			Ratio
	( dollars in thousands)
As of December 31, 2021:
Company:
Total risk-based capital	$	814,629	14.77	%	$	441,100	>	8.00	%	$	578,944	>	10.50	%	$	551,375	>	10.00	%
Tier 1 risk-based capital		631,649	11.46			330,825	>	6.00			468,669	>	8.50			441,100	>	8.00
Tier 1 leverage		631,649	10.46			241,579	>	4.00			241,579	>	4.00			301,974	>	5.00
Common equity Tier 1		593,494	10.76			248,119	>	4.50			385,962	>	7.00			358,394	>	6.50
Quad City Bank & Trust:
Total risk-based capital	$	247,658	13.29	%	$	149,126	>	8.00	%	$	195,727	>	10.50	%	$	186,407	>	10.00	%
Tier 1 risk-based capital		224,253	12.03			111,844	>	6.00			158,446	>	8.50			149,126	>	8.00
Tier 1 leverage		224,253	10.45			85,873	>	4.00			85,873	>	4.00			107,341	>	5.00
Common equity Tier 1		224,253	12.03			83,883	>	4.50			130,485	>	7.00			121,164	>	6.50
Cedar Rapids Bank & Trust:
Total risk-based capital	$	277,673	14.85	%	$	149,595	>	8.00	%	$	196,343	>	10.50	%	$	186,993	>	10.00	%
Tier 1 risk-based capital		254,279	13.60			112,196	>	6.00			158,944	>	8.50			149,595	>	8.00
Tier 1 leverage		254,279	12.59			80,777	>	4.00			80,777	>	4.00			100,971	>	5.00
Common equity Tier 1		254,279	13.60			84,147	>	4.50			130,895	>	7.00			121,546	>	6.50
Community State Bank:
Total risk-based capital	$	123,365	11.95	%	$	82,601	>	8.00	%	$	108,413	>	10.50	%	$	103,251	>	10.00	%
Tier 1 risk-based capital		110,410	10.69			61,951	>	6.00			87,763	>	8.50			82,601	>	8.00
Tier 1 leverage		110,410	9.67			45,676	>	4.00			45,676	>	4.00			57,095	>	5.00
Common equity Tier 1		110,410	10.69			46,463	>	4.50			72,276	>	7.00			67,113	>	6.50
Springfield First Community Bank:
Total risk-based capital	$	101,067	13.39	%	$	60,369	>	8.00	%	$	79,235	>	10.50	%	$	75,462	>	10.00	%
Tier 1 risk-based capital		91,625	12.14			45,277	>	6.00			64,142	>	8.50			60,369	>	8.00
Tier 1 leverage		91,625	11.08			33,088	>	4.00			33,088	>	4.00			41,360	>	5.00
Common equity Tier 1		91,625	12.14			33,958	>	4.50			52,823	>	7.00			49,050	>	6.50