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NOTE 9 - REGULATORY CAPITAL REQUIREMENTS (Tables)
6 Months Ended
Jun. 30, 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 June 30, 2021:

Company:

Total risk-based capital

$

760,593

14.72

%  

$

413,445

> 

8.00

%  

$

542,647

> 

10.50

%  

$

516,806

> 

10.00

%

Tier 1 risk-based capital

 

581,919

 

11.26

 

310,084

> 

6.00

 

439,285

> 

8.50

 

413,445

> 

8.00

Tier 1 leverage

 

581,919

 

10.29

 

226,250

> 

4.00

 

226,250

> 

4.00

 

282,812

> 

5.00

Common equity Tier 1

 

543,852

 

10.52

 

232,563

> 

4.50

 

361,764

> 

7.00

 

335,924

> 

6.50

Quad City Bank & Trust:

 

 

 

  

 

  

 

  

Total risk-based capital

$

228,180

13.15

%  

$

138,799

> 

8.00

%  

$

182,174

> 

10.50

%  

$

173,499

> 

10.00

%

Tier 1 risk-based capital

 

206,355

 

11.89

 

104,099

> 

6.00

 

147,474

> 

8.50

 

138,799

> 

8.00

Tier 1 leverage

 

206,355

 

9.75

 

84,699

> 

4.00

 

84,699

> 

4.00

 

105,874

> 

5.00

Common equity Tier 1

 

206,355

 

11.89

 

78,075

> 

4.50

 

121,449

> 

7.00

 

112,774

> 

6.50

Cedar Rapids Bank & Trust:

 

 

  

 

  

 

  

Total risk-based capital

$

243,211

13.86

%  

$

140,431

> 

8.00

%  

$

184,316

> 

10.50

%  

$

175,539

> 

10.00

%

Tier 1 risk-based capital

 

221,202

 

12.60

 

105,323

> 

6.00

 

149,208

> 

8.50

 

140,431

> 

8.00

Tier 1 leverage

 

221,202

 

11.95

 

74,072

> 

4.00

 

74,072

> 

4.00

 

92,590

> 

5.00

Common equity Tier 1

 

221,202

 

12.60

 

78,992

> 

4.50

 

122,877

> 

7.00

 

114,100

> 

6.50

Community State Bank:

 

 

  

 

  

 

  

Total risk-based capital

$

114,512

11.99

%  

$

76,389

> 

8.00

%  

$

100,261

> 

10.50

%  

$

95,487

> 

10.00

%

Tier 1 risk-based capital

 

102,521

 

10.74

 

57,292

> 

6.00

 

81,164

> 

8.50

 

76,389

> 

8.00

Tier 1 leverage

 

102,521

 

9.78

 

41,943

> 

4.00

 

41,943

> 

4.00

 

52,429

> 

5.00

Common equity Tier 1

 

102,521

 

10.74

 

42,969

> 

4.50

 

66,841

> 

7.00

 

62,066

> 

6.50

Springfield First Community Bank:

 

 

  

 

  

 

  

Total risk-based capital

$

91,663

12.60

%  

$

58,189

> 

8.00

%  

$

76,373

> 

10.50

%  

$

72,736

> 

10.00

%

Tier 1 risk-based capital

 

82,554

 

11.35

 

43,641

> 

6.00

 

61,825

> 

8.50

 

58,189

> 

8.00

Tier 1 leverage

 

82,554

 

10.53

 

31,351

> 

4.00

 

31,351

> 

4.00

 

39,189

> 

5.00

Common equity Tier 1

 

82,554

 

11.35

 

32,731

> 

4.50

 

50,915

> 

7.00

 

47,278

> 

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