Note 11 - REGULATORY CAPITAL REQUIREMENTS (Tables)

9 Months Ended

Sep. 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 September 30, 2022:
Company:
Total risk-based capital	$	1,031,057	14.38	%	$	573,558	>	8.00	%	$	752,795	>	10.50	%	$	716,948	>	10.00	%
Tier 1 risk-based capital		708,601	9.88			430,169	>	6.00			609,406	>	8.50			573,558	>	8.00
Tier 1 leverage		708,601	9.56			296,423	>	4.00			296,423	>	4.00			370,528	>	5.00
Common equity Tier 1		660,033	9.21			322,627	>	4.50			501,864	>	7.00			466,016	>	6.50
Quad City Bank & Trust:
Total risk-based capital	$	267,060	12.98	%	$	164,649	>	8.00	%	$	216,101	>	10.50	%	$	205,811	>	10.00	%
Tier 1 risk-based capital		241,281	11.72			123,486	>	6.00			174,939	>	8.50			164,649	>	8.00
Tier 1 leverage		241,281	10.96			88,058	>	4.00			88,058	>	4.00			110,072	>	5.00
Common equity Tier 1		241,281	11.72			92,615	>	4.50			144,068	>	7.00			133,777	>	6.50
Cedar Rapids Bank & Trust:
Total risk-based capital	$	292,124	14.80	%	$	157,855	>	8.00	%	$	207,185	>	10.50	%	$	197,319	>	10.00	%
Tier 1 risk-based capital		267,441	13.55			118,391	>	6.00			167,721	>	8.50			157,855	>	8.00
Tier 1 leverage		267,441	13.20			81,049	>	4.00			81,049	>	4.00			101,312	>	5.00
Common equity Tier 1		267,441	13.55			88,794	>	4.50			138,123	>	7.00			128,257	>	6.50
Community State Bank:
Total risk-based capital	$	137,056	11.69	%	$	93,787	>	8.00	%	$	123,096	>	10.50	%	$	117,234	>	10.00	%
Tier 1 risk-based capital		122,387	10.44			70,341	>	6.00			99,649	>	8.50			93,787	>	8.00
Tier 1 leverage		122,387	9.90			49,457	>	4.00			49,457	>	4.00			61,821	>	5.00
Common equity Tier 1		122,387	10.44			52,755	>	4.50			82,064	>	7.00			76,202	>	6.50
Guaranty Bank:
Total risk-based capital	$	231,638	11.84	%	$	156,513	>	8.00	%	$	205,423	>	10.50	%	$	195,641	>	10.00	%
Tier 1 risk-based capital		207,174	10.59			117,385	>	6.00			166,295	>	8.50			156,513	>	8.00
Tier 1 leverage		207,174	10.56			78,491	>	4.00			78,491	>	4.00			98,113	>	5.00
Common equity Tier 1		207,174	10.59			88,039	>	4.50			136,949	>	7.00			127,167	>	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
Guaranty 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