NOTE 9 - REGULATORY CAPITAL REQUIREMENTS (Tables)

9 Months Ended

Sep. 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 September 30, 2021:
Company:
Total risk-based capital	$	785,424	14.64	%	$	429,282	>	8.00	%	$	563,433	>	10.50	%	$	536,603	>	10.00	%
Tier 1 risk-based capital		604,268	11.26			321,962	>	6.00			456,113	>	8.50			429,282	>	8.00
Tier 1 leverage		604,268	10.28			235,118	>	4.00			235,118	>	4.00			293,897	>	5.00
Common equity Tier 1		566,165	10.55			241,471	>	4.50			375,622	>	7.00			348,792	>	6.50
Quad City Bank & Trust:
Total risk-based capital	$	237,936	13.07	%	$	145,613	>	8.00	%	$	191,117	>	10.50	%	$	182,017	>	10.00	%
Tier 1 risk-based capital		215,059	11.82			109,210	>	6.00			154,714	>	8.50			145,613	>	8.00
Tier 1 leverage		215,059	10.33			83,257	>	4.00			83,257	>	4.00			104,071	>	5.00
Common equity Tier 1		215,059	11.82			81,907	>	4.50			127,412	>	7.00			118,311	>	6.50
Cedar Rapids Bank & Trust:
Total risk-based capital	$	264,015	14.39	%	$	146,780	>	8.00	%	$	192,649	>	10.50	%	$	183,475	>	10.00	%
Tier 1 risk-based capital		241,037	13.14			110,085	>	6.00			155,954	>	8.50			146,780	>	8.00
Tier 1 leverage		241,037	12.20			79,004	>	4.00			79,004	>	4.00			98,755	>	5.00
Common equity Tier 1		241,037	13.14			82,564	>	4.50			128,433	>	7.00			119,259	>	6.50
Community State Bank:
Total risk-based capital	$	118,637	11.69	%	$	81,208	>	8.00	%	$	106,585	>	10.50	%	$	101,510	>	10.00	%
Tier 1 risk-based capital		105,894	10.43			60,906	>	6.00			86,283	>	8.50			81,208	>	8.00
Tier 1 leverage		105,894	9.80			43,204	>	4.00			43,204	>	4.00			54,005	>	5.00
Common equity Tier 1		105,894	10.43			45,679	>	4.50			71,057	>	7.00			65,981	>	6.50
Springfield First Community Bank:
Total risk-based capital	$	96,864	12.77	%	$	60,706	>	8.00	%	$	79,676	>	10.50	%	$	75,882	>	10.00	%
Tier 1 risk-based capital		87,367	11.51			45,529	>	6.00			64,500	>	8.50			60,706	>	8.00
Tier 1 leverage		87,367	10.67			32,751	>	4.00			32,751	>	4.00			40,939	>	5.00
Common equity Tier 1		87,367	11.51			34,147	>	4.50			53,117	>	7.00			49,223	>	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