NOTE 9 - REGULATORY CAPITAL REQUIREMENTS (Tables)

6 Months Ended

Jun. 30, 2019

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, 2019:
Company:
Total risk-based capital	$	551,046	12.04	%	$	366,017	>	8.00	%	$	480,397	>	10.50	%	$	457,521	>	10.00	%
Tier 1 risk-based capital		446,490	9.76	%		274,513	>	6.00			388,893	>	8.50			366,017	>	8.00
Tier 1 leverage		446,490	8.96	%		199,304	>	4.00			199,304	>	4.00			249,130	>	5.00
Common equity Tier 1		408,735	8.93	%		205,884	>	4.50			320,265	>	7.00			297,389	>	6.50
Quad City Bank & Trust:
Total risk-based capital	$	171,919	11.53	%	$	119,322	>	8.00	%	$	156,610	>	10.50	%	$	149,152	>	10.00	%
Tier 1 risk-based capital		158,453	10.62	%		89,491	>	6.00			126,779	>	8.50			119,322	>	8.00
Tier 1 leverage		158,453	9.39	%		67,519	>	4.00			67,519	>	4.00			84,398	>	5.00
Common equity Tier 1		158,453	10.62	%		67,119	>	4.50			104,407	>	7.00			96,949	>	6.50
Cedar Rapids Bank & Trust:
Total risk-based capital	$	159,747	11.56	%	$	110,543	>	8.00	%	$	145,088	>	10.50	%	$	138,179	>	10.00	%
Tier 1 risk-based capital		146,594	10.61	%		82,908	>	6.00			117,452	>	8.50			110,543	>	8.00
Tier 1 leverage		146,594	10.16	%		57,716	>	4.00			57,716	>	4.00			72,145	>	5.00
Common equity Tier 1		146,594	10.61	%		62,181	>	4.50			96,725	>	7.00			89,816	>	6.50
Community State Bank:
Total risk-based capital	$	85,269	12.33	%	$	55,307	>	8.00	%	$	72,591	>	10.50	%	$	69,134	>	10.00	%
Tier 1 risk-based capital		78,770	11.39	%		41,481	>	6.00			58,764	>	8.50			55,307	>	8.00
Tier 1 leverage		78,770	10.03	%		31,420	>	4.00			31,420	>	4.00			39,275	>	5.00
Common equity Tier 1		78,770	11.39	%		31,110	>	4.50			48,394	>	7.00			44,937	>	6.50
Springfield First Community Bank:
Total risk-based capital	$	65,725	12.91	%	$	40,724	>	8.00	%	$	53,451	>	10.50	%	$	50,906	>	10.00	%
Tier 1 risk-based capital		58,978	11.59	%		30,543	>	6.00			43,270	>	8.50			40,724	>	8.00
Tier 1 leverage		58,978	10.58	%		22,306	>	4.00			22,306	>	4.00			27,883	>	5.00
Common equity Tier 1		58,978	11.59	%		22,907	>	4.50			35,634	>	7.00			33,089	>	6.50
Rockford Bank & Trust:
Total risk-based capital	$	52,293	10.68	%	$	39,163	>	8.00	%	$	51,401	>	10.50	%	$	48,954	>	10.00	%
Tier 1 risk-based capital		46,232	9.44	%		29,372	>	6.00			41,611	>	8.50			39,163	>	8.00
Tier 1 leverage		46,232	9.04	%		20,466	>	4.00			20,466	>	4.00			25,582	>	5.00
Common equity Tier 1		46,232	9.44	%		22,029	>	4.50			34,268	>	7.00			31,820	>	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, 2018:
Company:
Total risk-based capital	$	460,416	10.69	%	$	344,551	>	8.00	%	$	425,305	>	9.875	%	$	430,689	>	10.00	%
Tier 1 risk-based capital		420,569	9.77	%		258,413	>	6.00			339,168	>	7.875			344,551	>	8.00
Tier 1 leverage		420,569	8.87	%		189,858	>	4.00			189,858	>	4.000			237,322	>	5.00
Common equity Tier 1		382,899	8.89	%		193,810	>	4.50			274,564	>	6.375			279,948	>	6.50
Quad City Bank & Trust:
Total risk-based capital	$	162,009	11.38	%	$	113,900	>	8.00	%	$	140,596	>	9.875	%	$	142,376	>	10.00	%
Tier 1 risk-based capital		148,529	10.43	%		85,425	>	6.00			112,121	>	7.875			113,900	>	8.00
Tier 1 leverage		148,529	9.04	%		65,744	>	4.00			65,744	>	4.000			82,180	>	5.00
Common equity Tier 1		148,529	10.43	%		64,069	>	4.50			90,764	>	6.375			92,544	>	6.50
Cedar Rapids Bank & Trust:
Total risk-based capital	$	146,292	11.55	%	$	101,310	>	8.00	%	$	125,054	>	9.875	%	$	126,637	>	10.00	%
Tier 1 risk-based capital		133,982	10.58	%		75,982	>	6.00			99,727	>	7.875			101,310	>	8.00
Tier 1 leverage		133,982	9.98	%		53,682	>	4.00			53,682	>	4.000			67,103	>	5.00
Common equity Tier 1		133,982	10.58	%		56,987	>	4.50			80,731	>	6.375			82,314	>	6.50
Community State Bank:
Total risk-based capital	$	75,233	11.24	%	$	53,567	>	8.00	%	$	66,122	>	9.875	%	$	66,959	>	10.00	%
Tier 1 risk-based capital		69,101	10.32	%		40,175	>	6.00			52,730	>	7.875			53,567	>	8.00
Tier 1 leverage		69,101	9.19	%		30,070	>	4.00			30,070	>	4.000			37,588	>	5.00
Common equity Tier 1		69,101	10.32	%		30,131	>	4.50			42,686	>	6.375			43,523	>	6.50
Springfield First Community Bank:
Total risk-based capital	$	57,051	12.24	%	$	37,278	>	8.00	%	$	46,016	>	9.875	%	$	46,598	>	10.00	%
Tier 1 risk-based capital		51,279	11.00	%		27,959	>	6.00			36,696	>	7.875			37,278	>	8.00
Tier 1 leverage		51,279	9.39	%		21,849	>	4.00			21,849	>	4.000			27,312	>	5.00
Common equity Tier 1		51,279	11.00	%		20,969	>	4.50			29,706	>	6.375			30,289	>	6.50
Rockford Bank & Trust:
Total risk-based capital	$	50,648	10.89	%	$	37,208	>	8.00	%	$	45,929	>	9.875	%	$	46,511	>	10.00	%
Tier 1 risk-based capital		44,821	9.64	%		27,906	>	6.00			36,627	>	7.875			37,208	>	8.00
Tier 1 leverage		44,821	8.93	%		20,081	>	4.00			20,081	>	4.000			25,101	>	5.00
Common equity Tier 1		44,821	9.64	%		20,930	>	4.50			29,650	>	6.375			30,232	>	6.50

*    June 30, 2019 minimums reflect the fully phased-in ratios (including the capital conservation buffer).