Note 10 - REGULATORY CAPITAL REQUIREMENTS (Tables)

6 Months Ended

Jun. 30, 2024

Notes Tables

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

										For Capital Adequacy					To Be Well Capitalized
					For Capital					Purposes With Capital					Under Prompt Corrective
	Actual				Adequacy Purposes					Conservation Buffer					Action Provisions
	Amount		Ratio		Amount			Ratio		Amount			Ratio		Amount			Ratio
	( dollars in thousands)
As of June 30, 2024:
Company:
Total risk-based capital	$	1,215,780	14.21	%	$	684,345	>	8.00	%	$	855,431	>	10.50	%	$	898,203	>	10.00	%
Tier 1 risk-based capital		897,236	10.49			513,259	>	6.00			684,345	>	8.50			727,116	>	8.00
Tier 1 leverage		897,236	10.40			345,057	>	4.00			431,321	>	4.00			345,057	>	5.00
Common equity Tier 1		848,441	9.92			384,944	>	4.50			556,030	>	7.00			598,802	>	6.50
Quad City Bank & Trust:
Total risk-based capital	$	311,392	12.91	%	$	192,968	>	8.00	%	$	241,210	>	10.50	%	$	253,271	>	10.00	%
Tier 1 risk-based capital		281,205	11.66			144,726	>	6.00			192,968	>	8.50			205,029	>	8.00
Tier 1 leverage		281,205	11.11			101,245	>	4.00			126,557	>	4.00			101,245	>	5.00
Common equity Tier 1		281,205	11.66			108,545	>	4.50			156,787	>	7.00			168,847	>	6.50
Cedar Rapids Bank & Trust:
Total risk-based capital	$	417,981	15.87	%	$	210,700	>	8.00	%	$	263,375	>	10.50	%	$	276,544	>	10.00	%
Tier 1 risk-based capital		390,482	14.83			158,025	>	6.00			210,700	>	8.50			223,869	>	8.00
Tier 1 leverage		390,482	16.22			96,312	>	4.00			120,390	>	4.00			96,312	>	5.00
Common equity Tier 1		390,482	14.83			118,519	>	4.50			171,194	>	7.00			184,362	>	6.50
Community State Bank:
Total risk-based capital	$	179,959	12.61	%	$	114,161	>	8.00	%	$	142,701	>	10.50	%	$	149,836	>	10.00	%
Tier 1 risk-based capital		165,686	11.61			85,621	>	6.00			114,161	>	8.50			121,296	>	8.00
Tier 1 leverage		165,686	11.30			58,666	>	4.00			73,332	>	4.00			58,666	>	5.00
Common equity Tier 1		165,686	11.61			64,216	>	4.50			92,756	>	7.00			99,891	>	6.50
Guaranty Bank:
Total risk-based capital	$	282,164	13.26	%	$	170,291	>	8.00	%	$	212,864	>	10.50	%	$	223,508	>	10.00	%
Tier 1 risk-based capital		258,749	12.16			127,719	>	6.00			170,291	>	8.50			180,935	>	8.00
Tier 1 leverage		258,749	11.54			89,674	>	4.00			112,092	>	4.00			89,674	>	5.00
Common equity Tier 1		258,749	12.16			95,789	>	4.50			138,362	>	7.00			149,005	>	6.50

										For Capital Adequacy					To Be Well Capitalized
					For Capital					Purposes With Capital					Under Prompt Corrective
	Actual				Adequacy Purposes					Conservation Buffer					Action Provisions
	Amount		Ratio		Amount			Ratio		Amount			Ratio		Amount			Ratio
	( dollars in thousands)
As of December 31, 2023:
Company:
Total risk-based capital	$	1,171,047	14.29	%	$	655,461	>	8.00	%	$	860,293	>	10.50	%	$	819,327	>	10.00	%
Tier 1 risk-based capital		841,052	10.27			491,596	>	6.00			696,428	>	8.50			655,461	>	8.00
Tier 1 leverage		841,052	10.03			335,420	>	4.00			335,420	>	4.00			419,275	>	5.00
Common equity Tier 1		792,321	9.67			368,697	>	4.50			573,529	>	7.00			532,562	>	6.50
Quad City Bank & Trust:
Total risk-based capital	$	300,413	12.67	%	$	189,707	>	8.00	%	$	248,990	>	10.50	%	$	237,133	>	10.00	%
Tier 1 risk-based capital		270,744	11.42			142,280	>	6.00			201,563	>	8.50			189,707	>	8.00
Tier 1 leverage		270,744	11.23			96,425	>	4.00			96,425	>	4.00			120,531	>	5.00
Common equity Tier 1		270,744	11.42			106,710	>	4.50			165,993	>	7.00			154,137	>	6.50
Cedar Rapids Bank & Trust:
Total risk-based capital	$	381,514	15.60	%	$	195,687	>	8.00	%	$	256,840	>	10.50	%	$	244,609	>	10.00	%
Tier 1 risk-based capital		354,940	14.51			146,766	>	6.00			207,918	>	8.50			195,687	>	8.00
Tier 1 leverage		354,940	14.77			96,093	>	4.00			96,093	>	4.00			120,116	>	5.00
Common equity Tier 1		354,940	14.51			110,074	>	4.50			171,227	>	7.00			158,996	>	6.50
Community State Bank:
Total risk-based capital	$	171,747	13.22	%	$	103,903	>	8.00	%	$	136,372	>	10.50	%	$	129,878	>	10.00	%
Tier 1 risk-based capital		156,629	12.06			77,927	>	6.00			110,397	>	8.50			103,903	>	8.00
Tier 1 leverage		156,629	11.19			56,005	>	4.00			56,005	>	4.00			70,007	>	5.00
Common equity Tier 1		156,629	12.06			58,445	>	4.50			90,915	>	7.00			84,421	>	6.50
Guaranty Bank:
Total risk-based capital	$	267,822	12.68	%	$	168,967	>	8.00	%	$	221,770	>	10.50	%	$	211,209	>	10.00	%
Tier 1 risk-based capital		244,506	11.58			126,726	>	6.00			179,528	>	8.50			168,967	>	8.00
Tier 1 leverage		244,506	11.41			85,688	>	4.00			85,688	>	4.00			107,110	>	5.00
Common equity Tier 1		244,506	11.58			95,044	>	4.50			147,847	>	7.00			137,286	>	6.50