Note 8 - Regulatory Capital Requirements (Tables)

6 Months Ended

Jun. 30, 2018

Notes Tables

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]

										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
As of June 30, 2018:
Company:
Total risk-based capital	$	407,222	11.23	%	$	290,121	>	8.00	%	$	358,118	>	9.875	%	$	362,652	>	10.00	%
Tier 1 risk-based capital		369,677	10.19	%		217,591	>	6.00			285,588	>	7.875			290,121	>	8.00
Tier 1 leverage		369,677	9.22	%		160,373	>	4.00			160,373	>	4.000			200,466	>	5.00
Common equity Tier 1		332,096	9.16	%		163,193	>	4.50			231,190	>	6.375			235,723	>	6.50
Quad City Bank & Trust:
Total risk-based capital	$	158,480	11.67	%	$	108,599	>	8.00	%	$	134,052	>	9.875	%	$	135,748	>	10.00	%
Tier 1 risk-based capital		145,157	10.69	%		81,449	>	6.00			106,902	>	7.875			108,599	>	8.00
Tier 1 leverage		145,157	9.19	%		63,193	>	4.00			63,193	>	4.000			78,992	>	5.00
Common equity Tier 1		145,157	10.69	%		61,087	>	4.50			86,540	>	6.375			88,236	>	6.50
Cedar Rapids Bank & Trust:
Total risk-based capital	$	143,414	11.76	%	$	97,602	>	8.00	%	$	120,477	>	9.875	%	$	122,003	>	10.00	%
Tier 1 risk-based capital		130,203	10.67	%		73,202	>	6.00			96,077	>	7.875			97,602	>	8.00
Tier 1 leverage		130,203	9.83	%		52,961	>	4.00			52,961	>	4.000			66,201	>	5.00
Common equity Tier 1		130,203	10.67	%		54,901	>	4.50			77,777	>	6.375			79,302	>	6.50
Community State Bank:
Total risk-based capital	$	70,656	11.70	%	$	48,330	>	8.00	%	$	59,658	>	9.875	%	$	60,413	>	10.00	%
Tier 1 risk-based capital		65,443	10.83	%		36,248	>	6.00			47,575	>	7.875			48,330	>	8.00
Tier 1 leverage		65,443	9.56	%		27,384	>	4.00			27,384	>	4.000			34,229	>	5.00
Common equity Tier 1		65,443	10.83	%		27,186	>	4.50			38,513	>	6.375			39,268	>	6.50
Rockford Bank & Trust:
Total risk-based capital	$	47,697	10.81	%	$	35,283	>	8.00	%	$	43,553	>	9.875	%	$	44,104	>	10.00	%
Tier 1 risk-based capital		42,181	9.56	%		26,463	>	6.00			34,732	>	7.875			35,283	>	8.00
Tier 1 leverage		42,181	8.90	%		18,947	>	4.00			18,947	>	4.000			23,684	>	5.00
Common equity Tier 1		42,181	9.56	%		19,847	>	4.50			28,116	>	6.375			28,668	>	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
As of December 31, 2017:
Company:
Total risk-based capital	$	383,282	11.15	%	$	275,090	>	8.00	%	$	318,073	>	9.25	%	$	343,862	>	10.00	%
Tier 1 risk-based capital		348,530	10.14	%		206,317	>	6.00			249,300	>	7.25			275,090	>	8.00
Tier 1 leverage		348,530	8.98	%		155,256	>	4.00			155,256	>	4.00			194,070	>	5.00
Common equity Tier 1		313,012	9.10	%		154,738	>	4.50			197,721	>	5.75			223,510	>	6.50
Quad City Bank & Trust:
Total risk-based capital	$	160,112	12.35	%	$	103,711	>	8.00	%	$	119,916	>	9.25	%	$	129,639	>	10.00	%
Tier 1 risk-based capital		147,472	11.38	%		77,783	>	6.00			93,988	>	7.25			103,711	>	8.00
Tier 1 leverage		147,472	9.52	%		61,985	>	4.00			61,985	>	4.00			77,481	>	5.00
Common equity Tier 1		147,472	11.38	%		58,337	>	4.50			74,542	>	5.75			84,265	>	6.50
Cedar Rapids Bank & Trust:
Total risk-based capital	$	138,492	11.88	%	$	93,272	>	8.00	%	$	107,846	>	9.25	%	$	116,590	>	10.00	%
Tier 1 risk-based capital		126,601	10.86	%		69,954	>	6.00			84,528	>	7.25			93,272	>	8.00
Tier 1 leverage		126,601	11.68	%		43,348	>	4.00			43,348	>	4.00			54,185	>	5.00
Common equity Tier 1		126,601	10.86	%		52,465	>	4.50			67,039	>	5.75			75,783	>	6.50
Community State Bank:
Total risk-based capital	$	66,271	11.71	%	$	45,293	>	8.00	%	$	52,370	>	9.25	%	$	56,616	>	10.00	%
Tier 1 risk-based capital		61,941	10.94	%		33,970	>	6.00			41,047	>	7.25			45,293	>	8.00
Tier 1 leverage		61,941	9.77	%		25,354	>	4.00			25,354	>	4.00			31,693	>	5.00
Common equity Tier 1		61,941	10.94	%		25,477	>	4.50			32,554	>	5.75			36,801	>	6.50
Rockford Bank & Trust:
Total risk-based capital	$	45,684	11.28	%	$	32,413	>	8.00	%	$	37,477	>	9.25	%	$	40,516	>	10.00	%
Tier 1 risk-based capital		40,615	10.02	%		24,310	>	6.00			29,374	>	7.25			32,413	>	8.00
Tier 1 leverage		40,615	8.94	%		18,177	>	4.00			18,177	>	4.00			22,721	>	5.00
Common equity Tier 1		40,615	10.02	%		18,232	>	4.50			23,297	>	5.75			26,335	>	6.50

*     The minimums under Basel III increase by .625% (the capital conservation buffer) annually until 2019. The fully phased-in minimums are 10.5% (Total risk-based capital), 8.5% (Tier 1 risk-based capital), and 7.0% (Common equity Tier 1).