Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block] |
Business First Bancshares, Inc. (Consolidated) |
|
Actual |
|
|
For Capital Adequacy Purposes |
|
|
To Be Well Capitalized Under Prompt Corrective Action Provisions |
|
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
|
(Dollars in thousands) |
|
December 31, 2023: |
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|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total Capital (to Risk-Weighted Assets) |
|
$ |
754,990 |
|
|
|
12.85 |
% |
|
$ |
470,215 |
|
|
|
8.00 |
% |
|
$ |
587,769 |
|
|
|
10.00 |
% |
Tier 1 Capital (to Risk-Weighted Assets) |
|
|
614,975 |
|
|
|
10.46 |
% |
|
|
352,661 |
|
|
|
6.00 |
% |
|
|
470,215 |
|
|
|
8.00 |
% |
Common Equity Tier 1 Capital (to Risk-Weighted Assets) |
|
|
538,045 |
|
|
|
9.15 |
% |
|
|
264,496 |
|
|
|
4.50 |
% |
|
|
382,050 |
|
|
|
6.50 |
% |
Tier 1 Leveraged Capital (to Average Assets) |
|
|
614,975 |
|
|
|
9.52 |
% |
|
|
258,407 |
|
|
|
4.00 |
% |
|
|
323,008 |
|
|
|
5.00 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
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|
December 31, 2022: |
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|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total Capital (to Risk-Weighted Assets) |
|
$ |
704,840 |
|
|
|
12.75 |
% |
|
$ |
442,391 |
|
|
|
8.00 |
% |
|
$ |
552,988 |
|
|
|
10.00 |
% |
Tier 1 Capital (to Risk-Weighted Assets) |
|
|
557,088 |
|
|
|
10.07 |
% |
|
|
331,793 |
|
|
|
6.00 |
% |
|
|
442,391 |
|
|
|
8.00 |
% |
Common Equity Tier 1 Capital (to Risk-Weighted Assets) |
|
|
480,158 |
|
|
|
8.68 |
% |
|
|
248,845 |
|
|
|
4.50 |
% |
|
|
359,442 |
|
|
|
6.50 |
% |
Tier 1 Leveraged Capital (to Average Assets) |
|
|
557,088 |
|
|
|
9.49 |
% |
|
|
234,859 |
|
|
|
4.00 |
% |
|
|
293,574 |
|
|
|
5.00 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
To Be Well |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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Capitalized Under |
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|
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|
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|
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For Capital |
|
|
Prompt Corrective |
|
b1BANK |
|
Actual |
|
|
Adequacy Purposes |
|
|
Action Provisions |
|
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
|
(Dollars in thousands) |
|
December 31, 2023: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total Capital (to Risk-Weighted Assets) |
|
$ |
730,117 |
|
|
|
12.43 |
% |
|
$ |
469,751 |
|
|
|
8.00 |
% |
|
$ |
587,188 |
|
|
|
10.00 |
% |
Tier 1 Capital (to Risk-Weighted Assets) |
|
|
686,379 |
|
|
|
11.69 |
% |
|
|
352,313 |
|
|
|
6.00 |
% |
|
|
469,751 |
|
|
|
8.00 |
% |
Common Equity Tier 1 Capital (to Risk-Weighted Assets) |
|
|
686,379 |
|
|
|
11.69 |
% |
|
|
264,235 |
|
|
|
4.50 |
% |
|
|
381,672 |
|
|
|
6.50 |
% |
Tier 1 Leveraged Capital (to Average Assets) |
|
|
686,379 |
|
|
|
10.63 |
% |
|
|
258,203 |
|
|
|
4.00 |
% |
|
|
322,754 |
|
|
|
5.00 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
December 31, 2022: |
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total Capital (to Risk-Weighted Assets) |
|
$ |
657,588 |
|
|
|
11.91 |
% |
|
$ |
441,833 |
|
|
|
8.00 |
% |
|
$ |
552,292 |
|
|
|
10.00 |
% |
Tier 1 Capital (to Risk-Weighted Assets) |
|
|
618,805 |
|
|
|
11.20 |
% |
|
|
331,375 |
|
|
|
6.00 |
% |
|
|
441,833 |
|
|
|
8.00 |
% |
Common Equity Tier 1 Capital (to Risk-Weighted Assets) |
|
|
618,805 |
|
|
|
11.20 |
% |
|
|
248,531 |
|
|
|
4.50 |
% |
|
|
358,989 |
|
|
|
6.50 |
% |
Tier 1 Leveraged Capital (to Average Assets) |
|
|
618,805 |
|
|
|
10.55 |
% |
|
|
234,679 |
|
|
|
4.00 |
% |
|
|
293,348 |
|
|
|
5.00 |
% |
|