Note 10 - REGULATORY CAPITAL REQUIREMENTS (Tables)

9 Months Ended

Sep. 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 September 30, 2024:
Company:
Total risk-based capital	$	1,243,438	13.87	%	$	717,351	>	8.00	%	$	941,523	>	10.50	%	$	896,689	>	10.00	%
Tier 1 risk-based capital		926,516	10.33			538,013	>	6.00			762,185	>	8.50			717,351	>	8.00
Tier 1 leverage		926,516	10.50			352,823	>	4.00			352,823	>	4.00			441,029	>	5.00
Common equity Tier 1		877,688	9.79			403,510	>	4.50			627,682	>	7.00			582,848	>	6.50
Quad City Bank & Trust:
Total risk-based capital	$	316,500	13.23	%	$	191,451	>	8.00	%	$	251,280	>	10.50	%	$	239,314	>	10.00	%
Tier 1 risk-based capital		286,547	11.97			143,588	>	6.00			203,417	>	8.50			191,451	>	8.00
Tier 1 leverage		286,547	11.19			102,468	>	4.00			102,468	>	4.00			128,085	>	5.00
Common equity Tier 1		286,547	11.97			107,691	>	4.50			167,520	>	7.00			155,554	>	6.50
Cedar Rapids Bank & Trust:
Total risk-based capital	$	434,183	14.64	%	$	237,243	>	8.00	%	$	311,381	>	10.50	%	$	296,554	>	10.00	%
Tier 1 risk-based capital		406,490	13.71			177,932	>	6.00			252,071	>	8.50			237,243	>	8.00
Tier 1 leverage		406,490	16.17			100,568	>	4.00			100,568	>	4.00			125,710	>	5.00
Common equity Tier 1		406,490	13.71			133,449	>	4.50			207,588	>	7.00			192,760	>	6.50
Community State Bank:
Total risk-based capital	$	184,706	12.91	%	$	114,468	>	8.00	%	$	150,239	>	10.50	%	$	143,085	>	10.00	%
Tier 1 risk-based capital		171,356	11.98			85,851	>	6.00			121,622	>	8.50			114,468	>	8.00
Tier 1 leverage		171,356	11.47			59,760	>	4.00			59,760	>	4.00			74,700	>	5.00
Common equity Tier 1		171,356	11.98			64,388	>	4.50			100,159	>	7.00			93,005	>	6.50
Guaranty Bank:
Total risk-based capital	$	289,189	13.78	%	$	167,886	>	8.00	%	$	220,350	>	10.50	%	$	209,857	>	10.00	%
Tier 1 risk-based capital		266,765	12.71			125,914	>	6.00			178,379	>	8.50			167,886	>	8.00
Tier 1 leverage		266,765	11.89			89,727	>	4.00			89,727	>	4.00			112,159	>	5.00
Common equity Tier 1		266,765	12.71			94,436	>	4.50			146,900	>	7.00			136,407	>	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