NOTE 9 - REGULATORY CAPITAL REQUIREMENTS (Tables)

3 Months Ended

Mar. 31, 2021

Notes Tables

Schedule of the company and the subsidiary banks actual capital amounts and ratios

										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, 2021:
Company:
Total risk-based capital	$	740,281	14.85	%	$	398,804	>	8.00	%	$	523,430	>	10.50	%	$	498,505	>	10.00	%
Tier 1 risk-based capital		563,872	11.31			299,103	>	6.00			423,729	>	8.50			398,804	>	8.00
Tier 1 leverage		563,872	10.10			223,424	>	4.00			223,424	>	4.00			279,280	>	5.00
Common equity Tier 1		525,842	10.55			224,327	>	4.50			348,953	>	7.00			324,028	>	6.50
Quad City Bank & Trust:
Total risk-based capital	$	219,423	12.70	%	$	138,239	>	8.00	%	$	181,439	>	10.50	%	$	172,799	>	10.00	%
Tier 1 risk-based capital		197,676	11.44			103,679	>	6.00			146,879	>	8.50			138,239	>	8.00
Tier 1 leverage		197,676	9.17			86,225	>	4.00			86,225	>	4.00			107,781	>	5.00
Common equity Tier 1		197,676	11.44			77,759	>	4.50			120,959	>	7.00			112,319	>	6.50
Cedar Rapids Bank & Trust:
Total risk-based capital	$	231,341	13.59	%	$	136,200	>	8.00	%	$	178,762	>	10.50	%	$	170,250	>	10.00	%
Tier 1 risk-based capital		209,954	12.33			102,150	>	6.00			144,712	>	8.50			136,200	>	8.00
Tier 1 leverage		209,954	11.27			74,536	>	4.00			74,536	>	4.00			93,170	>	5.00
Common equity Tier 1		209,954	12.33			76,612	>	4.50			119,175	>	7.00			110,662	>	6.50
Community State Bank:
Total risk-based capital	$	110,491	12.39	%	$	71,343	>	8.00	%	$	93,637	>	10.50	%	$	89,178	>	10.00	%
Tier 1 risk-based capital		99,284	11.13			53,507	>	6.00			75,801	>	8.50			71,343	>	8.00
Tier 1 leverage		99,284	9.90			40,116	>	4.00			40,116	>	4.00			50,144	>	5.00
Common equity Tier 1		99,284	11.13			40,130	>	4.50			62,425	>	7.00			57,966	>	6.50
Springfield First Community Bank:
Total risk-based capital	$	92,355	13.29	%	$	55,576	>	8.00	%	$	72,944	>	10.50	%	$	69,470	>	10.00	%
Tier 1 risk-based capital		78,645	11.32			41,682	>	6.00			59,050	>	8.50			55,576	>	8.00
Tier 1 leverage		78,645	10.66			29,499	>	4.00			29,499	>	4.00			36,874	>	5.00
Common equity Tier 1		78,645	11.32			31,262	>	4.50			48,629	>	7.00			45,156	>	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, 2020:
Company:
Total risk-based capital	$	721,004	14.95	%	$	385,832	>	8.00	%	$	506,404	>	10.50	%	$	482,290	>	10.00	%
Tier 1 risk-based capital		546,729	11.34			289,374	>	6.00			409,946	>	8.50			385,832	>	8.00
Tier 1 leverage		546,729	9.49			230,345	>	4.00			230,345	>	4.00			287,931	>	5.00
Common equity Tier 1		508,736	10.55			217,030	>	4.50			337,603	>	7.00			313,488	>	6.50
Quad City Bank & Trust:
Total risk-based capital	$	213,608	12.24	%	$	139,581	>	8.00	%	$	183,200	>	10.50	%	$	174,477	>	10.00	%
Tier 1 risk-based capital		191,693	10.99			104,686	>	6.00			148,305	>	8.50			139,581	>	8.00
Tier 1 leverage		191,693	8.48			90,430	>	4.00			90,430	>	4.00			113,038	>	5.00
Common equity Tier 1		191,693	10.99			78,514	>	4.50			122,134	>	7.00			113,410	>	6.50
Cedar Rapids Bank & Trust:
Total risk-based capital	$	217,227	13.14	%	$	132,269	>	8.00	%	$	173,603	>	10.50	%	$	165,336	>	10.00	%
Tier 1 risk-based capital		196,438	11.88			99,202	>	6.00			140,536	>	8.50			132,269	>	8.00
Tier 1 leverage		196,438	10.01			78,535	>	4.00			78,535	>	4.00			98,169	>	5.00
Common equity Tier 1		196,438	11.88			74,401	>	4.50			115,735	>	7.00			107,469	>	6.50
Community State Bank:
Total risk-based capital	$	108,040	12.69	%	$	68,117	>	8.00	%	$	89,404	>	10.50	%	$	85,146	>	10.00	%
Tier 1 risk-based capital		97,350	11.43			51,088	>	6.00			72,374	>	8.50			68,117	>	8.00
Tier 1 leverage		97,350	10.27			37,930	>	4.00			37,930	>	4.00			47,412	>	5.00
Common equity Tier 1		97,350	11.43			38,316	>	4.50			59,602	>	7.00			55,345	>	6.50
Springfield First Community Bank:
Total risk-based capital	$	90,334	14.35	%	$	50,357	>	8.00	%	$	66,094	>	10.50	%	$	62,947	>	10.00	%
Tier 1 risk-based capital		77,668	12.34			37,768	>	6.00			53,505	>	8.50			50,357	>	8.00
Tier 1 leverage		77,668	10.87			28,575	>	4.00			28,575	>	4.00			35,719	>	5.00
Common equity Tier 1		77,668	12.34			28,326	>	4.50			44,063	>	7.00			40,915	>	6.50