Note 9 - REGULATORY CAPITAL REQUIREMENTS (Tables)

3 Months Ended

Mar. 31, 2022

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
	( dollars in thousands)
As of March 31, 2022:
Company:
Total risk-based capital	$	836,493	14.50	%	$	461,539	>	8.00	%	$	605,770	>	10.50	%	$	576,924	>	10.00	%
Tier 1 risk-based capital		650,356	11.27			346,154	>	6.00			490,385	>	8.50			461,539	>	8.00
Tier 1 leverage		650,356	10.78			241,343	>	4.00			241,343	>	4.00			301,679	>	5.00
Common equity Tier 1		612,166	10.61			259,616	>	4.50			403,847	>	7.00			375,000	>	6.50
Quad City Bank & Trust:
Total risk-based capital	$	259,332	13.42	%	$	154,616	>	8.00	%	$	202,934	>	10.50	%	$	193,270	>	10.00	%
Tier 1 risk-based capital		235,098	12.16			115,962	>	6.00			164,280	>	8.50			154,616	>	8.00
Tier 1 leverage		235,098	10.81			86,996	>	4.00			86,996	>	4.00			108,745	>	5.00
Common equity Tier 1		235,098	12.16			86,972	>	4.50			135,289	>	7.00			125,626	>	6.50
Cedar Rapids Bank & Trust:
Total risk-based capital	$	269,223	14.18	%	$	151,921	>	8.00	%	$	199,396	>	10.50	%	$	189,901	>	10.00	%
Tier 1 risk-based capital		245,509	12.93			113,941	>	6.00			161,416	>	8.50			151,921	>	8.00
Tier 1 leverage		245,509	12.36			79,428	>	4.00			79,428	>	4.00			99,285	>	5.00
Common equity Tier 1		245,509	12.93			85,456	>	4.50			132,921	>	7.00			123,436	>	6.50
Community State Bank:
Total risk-based capital	$	128,273	11.81	%	$	86,889	>	8.00	%	$	114,042	>	10.50	%	$	108,612	>	10.00	%
Tier 1 risk-based capital		114,660	10.56			65,167	>	6.00			92,320	>	8.50			86,889	>	8.00
Tier 1 leverage		114,660	10.00			45,868	>	4.00			45,868	>	4.00			57,336	>	5.00
Common equity Tier 1		114,660	10.56			48,875	>	4.50			76,028	>	7.00			70,597	>	6.50
Springfield First Community Bank:
Total risk-based capital	$	104,588	12.91	%	$	64,795	>	8.00	%	$	85,043	>	10.50	%	$	80,994	>	10.00	%
Tier 1 risk-based capital		94,945	11.72			48,596	>	6.00			68,845	>	8.50			64,795	>	8.00
Tier 1 leverage		94,945	11.21			33,886	>	4.00			33,886	>	4.00			42,357	>	5.00
Common equity Tier 1		94,945	11.72			36,447	>	4.50			56,696	>	7.00			52,646	>	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
	( dollars in thousands)
As of December 31, 2021:
Company:
Total risk-based capital	$	814,629	14.77	%	$	441,100	>	8.00	%	$	578,944	>	10.50	%	$	551,375	>	10.00	%
Tier 1 risk-based capital		631,649	11.46			330,825	>	6.00			468,669	>	8.50			441,100	>	8.00
Tier 1 leverage		631,649	10.46			241,579	>	4.00			241,579	>	4.00			301,974	>	5.00
Common equity Tier 1		593,494	10.76			248,119	>	4.50			385,962	>	7.00			358,394	>	6.50
Quad City Bank & Trust:
Total risk-based capital	$	247,658	13.29	%	$	149,126	>	8.00	%	$	195,727	>	10.50	%	$	186,407	>	10.00	%
Tier 1 risk-based capital		224,253	12.03			111,844	>	6.00			158,446	>	8.50			149,126	>	8.00
Tier 1 leverage		224,253	10.45			85,873	>	4.00			85,873	>	4.00			107,341	>	5.00
Common equity Tier 1		224,253	12.03			83,883	>	4.50			130,485	>	7.00			121,164	>	6.50
Cedar Rapids Bank & Trust:
Total risk-based capital	$	277,673	14.85	%	$	149,595	>	8.00	%	$	196,343	>	10.50	%	$	186,993	>	10.00	%
Tier 1 risk-based capital		254,279	13.60			112,196	>	6.00			158,944	>	8.50			149,595	>	8.00
Tier 1 leverage		254,279	12.59			80,777	>	4.00			80,777	>	4.00			100,971	>	5.00
Common equity Tier 1		254,279	13.60			84,147	>	4.50			130,895	>	7.00			121,546	>	6.50
Community State Bank:
Total risk-based capital	$	123,365	11.95	%	$	82,601	>	8.00	%	$	108,413	>	10.50	%	$	103,251	>	10.00	%
Tier 1 risk-based capital		110,410	10.69			61,951	>	6.00			87,763	>	8.50			82,601	>	8.00
Tier 1 leverage		110,410	9.67			45,676	>	4.00			45,676	>	4.00			57,095	>	5.00
Common equity Tier 1		110,410	10.69			46,463	>	4.50			72,276	>	7.00			67,113	>	6.50
Springfield First Community Bank:
Total risk-based capital	$	101,067	13.39	%	$	60,369	>	8.00	%	$	79,235	>	10.50	%	$	75,462	>	10.00	%
Tier 1 risk-based capital		91,625	12.14			45,277	>	6.00			64,142	>	8.50			60,369	>	8.00
Tier 1 leverage		91,625	11.08			33,088	>	4.00			33,088	>	4.00			41,360	>	5.00
Common equity Tier 1		91,625	12.14			33,958	>	4.50			52,823	>	7.00			49,050	>	6.50