Note 9 - Regulatory Capital Requirements (Tables)

9 Months Ended

Sep. 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 September 30, 2018:
Company:
Total risk-based capital	$	449,655	10.87	%	$	330,798	>	8.00	%	$	408,329	>	9.875	%	$	413,497	>	10.00	%
Tier 1 risk-based capital		406,578	9.83	%		248,098	>	6.00			325,629	>	7.875			330,798	>	8.00
Tier 1 leverage		406,578	8.87	%		183,278	>	4.00			183,278	>	4.000			229,098	>	5.00
Common equity Tier 1		368,952	8.92	%		186,074	>	4.50			263,605	>	6.375			268,773	>	6.50
Quad City Bank & Trust:
Total risk-based capital	$	160,806	11.72	%	$	109,744	>	8.00	%	$	135,466	>	9.875	%	$	137,180	>	10.00	%
Tier 1 risk-based capital		147,532	10.75	%		82,308	>	6.00			108,029	>	7.875			109,744	>	8.00
Tier 1 leverage		147,532	9.32	%		63,297	>	4.00			63,297	>	4.000			79,121	>	5.00
Common equity Tier 1		147,532	10.75	%		61,731	>	4.50			87,452	>	6.375			89,167	>	6.50
Cedar Rapids Bank & Trust:
Total risk-based capital	$	145,066	11.79	%	$	98,462	>	8.00	%	$	121,540	>	9.875	%	$	123,078	>	10.00	%
Tier 1 risk-based capital		131,839	10.71	%		73,847	>	6.00			96,924	>	7.875			98,462	>	8.00
Tier 1 leverage		131,839	9.83	%		53,659	>	4.00			53,659	>	4.000			67,074	>	5.00
Common equity Tier 1		131,839	10.71	%		55,385	>	4.50			78,462	>	6.375			80,001	>	6.50
Community State Bank:
Total risk-based capital	$	72,601	11.43	%	$	50,801	>	8.00	%	$	62,708	>	9.875	%	$	63,501	>	10.00	%
Tier 1 risk-based capital		67,149	10.57	%		38,101	>	6.00			50,007	>	7.875			50,801	>	8.00
Tier 1 leverage		67,149	9.62	%		27,918	>	4.00			27,918	>	4.000			34,898	>	5.00
Common equity Tier 1		67,149	10.57	%		28,576	>	4.50			40,482	>	6.375			41,276	>	6.50
Rockford Bank & Trust:
Total risk-based capital	$	45,314	10.19	%	$	35,583	>	8.00	%	$	43,923	>	9.875	%	$	44,479	>	10.00	%
Tier 1 risk-based capital		39,692	8.92	%		26,688	>	6.00			35,027	>	7.875			35,583	>	8.00
Tier 1 leverage		39,692	8.20	%		19,365	>	4.00			19,365	>	4.000			24,207	>	5.00
Common equity Tier 1		39,692	8.92	%		20,016	>	4.50			28,356	>	6.375			28,912	>	6.50
Springfield First Community Bank:
Total risk-based capital	$	54,108	11.64	%	$	37,196	>	8.00	%	$	45,914	>	9.875	%	$	46,495	>	10.00	%
Tier 1 risk-based capital		48,870	10.51	%		27,897	>	6.00			36,615	>	7.875			37,196	>	8.00
Tier 1 leverage		48,870	9.31	%		20,988	>	4.00			20,988	>	4.000			26,235	>	5.00
Common equity Tier 1		48,870	10.51	%		20,923	>	4.50			29,640	>	6.375			30,222	>	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).