NOTE 8 - REGULATORY CAPITAL REQUIREMENTS (Tables)

3 Months Ended

Mar. 31, 2020

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 March 31, 2020:
Company:
Total risk-based capital	$	601,259	13.54	%	$	355,226	>	8.00	%	$	466,233	>	10.50	%	$	444,032	>	10.00	%
Tier 1 risk-based capital		495,455	11.16			266,419	>	6.00			377,427	>	8.50			355,226	>	8.00
Tier 1 leverage		495,455	10.19			194,477	>	4.00			194,477	>	4.00			243,097	>	5.00
Common equity Tier 1		457,578	10.31			199,814	>	4.50			310,822	>	7.00			288,621	>	6.50
Quad City Bank & Trust:
Total risk-based capital	$	191,590	12.03	%	$	127,429	>	8.00	%	$	167,251	>	10.50	%	$	159,287	>	10.00	%
Tier 1 risk-based capital		175,861	11.04			95,572	>	6.00			135,394	>	8.50			127,429	>	8.00
Tier 1 leverage		175,861	10.07			69,825	>	4.00			69,825	>	4.00			87,282	>	5.00
Common equity Tier 1		175,861	11.04			71,679	>	4.50			111,501	>	7.00			103,536	>	6.50
Cedar Rapids Bank & Trust:
Total risk-based capital	$	184,319	12.21	%	$	120,785	>	8.00	%	$	158,531	>	10.50	%	$	150,982	>	10.00	%
Tier 1 risk-based capital		168,693	11.17			90,589	>	6.00			128,334	>	8.50			120,785	>	8.00
Tier 1 leverage		168,693	10.53			64,084	>	4.00			64,084	>	4.00			80,105	>	5.00
Common equity Tier 1		168,693	11.17			67,942	>	4.50			105,687	>	7.00			98,138	>	6.50
Community State Bank:
Total risk-based capital	$	94,289	12.59	%	$	59,930	>	8.00	%	$	78,658	>	10.50	%	$	74,912	>	10.00	%
Tier 1 risk-based capital		86,636	11.57			44,947	>	6.00			63,675	>	8.50			59,930	>	8.00
Tier 1 leverage		86,636	10.25			33,808	>	4.00			33,808	>	4.00			42,261	>	5.00
Common equity Tier 1		86,636	11.57			33,710	>	4.50			52,439	>	7.00			48,693	>	6.50
Springfield First Community Bank:
Total risk-based capital	$	74,501	12.49	%	$	47,723	>	8.00	%	$	62,636	>	10.50	%	$	59,654	>	10.00	%
Tier 1 risk-based capital		66,392	11.13			35,792	>	6.00			50,706	>	8.50			47,723	>	8.00
Tier 1 leverage		66,392	10.43			25,470	>	4.00			25,470	>	4.00			31,838	>	5.00
Common equity Tier 1		66,392	11.13			26,844	>	4.50			41,758	>	7.00			38,775	>	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, 2019:
Company:
Total risk-based capital	$	581,234	13.33	%	$	348,937	>	8.00	%	$	457,980	>	10.500	%	$	436,171	>	10.00	%
Tier 1 risk-based capital		481,702	11.04			261,703	>	6.00			370,746	>	8.500			348,937	>	8.00
Tier 1 leverage		481,702	9.53			202,207	>	4.00			202,207	>	4.000			252,758	>	5.00
Common equity Tier 1		443,864	10.18			196,277	>	4.50			305,320	>	7.000			283,511	>	6.50
Quad City Bank & Trust:
Total risk-based capital	$	183,855	11.83	%	$	124,362	>	8.00	%	$	163,225	>	10.500	%	$	155,452	>	10.00	%
Tier 1 risk-based capital		170,137	10.94			93,271	>	6.00			132,134	>	8.500			124,362	>	8.00
Tier 1 leverage		170,137	9.94			68,479	>	4.00			68,479	>	4.000			85,598	>	5.00
Common equity Tier 1		170,137	10.94			69,953	>	4.50			108,817	>	7.000			101,044	>	6.50
Cedar Rapids Bank & Trust:
Total risk-based capital	$	175,498	11.90	%	$	117,953	>	8.00	%	$	154,813	>	10.500	%	$	147,441	>	10.00	%
Tier 1 risk-based capital		162,127	11.00			88,465	>	6.00			125,325	>	8.500			117,953	>	8.00
Tier 1 leverage		162,127	10.41			62,286	>	4.00			62,286	>	4.000			77,857	>	5.00
Common equity Tier 1		162,127	11.00			66,349	>	4.50			103,209	>	7.000			95,837	>	6.50
Community State Bank:
Total risk-based capital	$	92,095	12.32	%	$	59,813	>	8.00	%	$	78,504	>	10.500	%	$	74,766	>	10.00	%
Tier 1 risk-based capital		85,437	11.43			44,860	>	6.00			63,551	>	8.500			59,813	>	8.00
Tier 1 leverage		85,437	10.39			32,902	>	4.00			32,902	>	4.000			41,128	>	5.00
Common equity Tier 1		85,437	11.43			33,645	>	4.50			52,336	>	7.000			48,598	>	6.50
Springfield First Community Bank:
Total risk-based capital	$	71,074	12.72	%	$	44,704	>	8.00	%	$	58,674	>	10.500	%	$	55,880	>	10.00	%
Tier 1 risk-based capital		63,956	11.45			33,528	>	6.00			47,498	>	8.500			44,704	>	8.00
Tier 1 leverage		63,956	9.70			26,379	>	4.00			26,379	>	4.000			32,974	>	5.00
Common equity Tier 1		63,956	11.45			25,146	>	4.50			39,116	>	7.000			36,322	>	6.50