Note 9 - REGULATORY CAPITAL REQUIREMENTS (Tables)

3 Months Ended

Mar. 31, 2023

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, 2023:
Company:
Total risk-based capital	$	1,078,343	14.68	%	$	587,728	>	8.00	%	$	771,392	>	10.50	%	$	734,659	>	10.00	%
Tier 1 risk-based capital		754,221	10.27			440,796	>	6.00			624,460	>	8.50			587,728	>	8.00
Tier 1 leverage		754,221	9.73			310,214	>	4.00			310,214	>	4.00			387,768	>	5.00
Common equity Tier 1		705,587	9.60			330,597	>	4.50			514,262	>	7.00			477,529	>	6.50
Quad City Bank & Trust:
Total risk-based capital	$	282,911	13.15	%	$	172,050	>	8.00	%	$	225,816	>	10.50	%	$	215,063	>	10.00	%
Tier 1 risk-based capital		256,016	11.90			129,038	>	6.00			182,804	>	8.50			172,050	>	8.00
Tier 1 leverage		256,016	11.06			92,599	>	4.00			92,599	>	4.00			115,748	>	5.00
Common equity Tier 1		256,016	11.90			96,778	>	4.50			150,544	>	7.00			139,791	>	6.50
Cedar Rapids Bank & Trust:
Total risk-based capital	$	323,605	16.24	%	$	159,422	>	8.00	%	$	209,241	>	10.50	%	$	199,277	>	10.00	%
Tier 1 risk-based capital		298,757	14.99			119,566	>	6.00			169,386	>	8.50			159,422	>	8.00
Tier 1 leverage		298,757	13.95			85,658	>	4.00			85,658	>	4.00			107,073	>	5.00
Common equity Tier 1		298,757	14.99			89,675	>	4.50			139,494	>	7.00			129,530	>	6.50
Community State Bank:
Total risk-based capital	$	147,754	12.53	%	$	94,349	>	8.00	%	$	123,833	>	10.50	%	$	117,936	>	10.00	%
Tier 1 risk-based capital		133,007	11.28			70,762	>	6.00			100,246	>	8.50			94,349	>	8.00
Tier 1 leverage		133,007	10.45			50,899	>	4.00			50,899	>	4.00			63,624	>	5.00
Common equity Tier 1		133,007	11.28			53,071	>	4.50			82,555	>	7.00			76,659	>	6.50
Guaranty Bank:
Total risk-based capital	$	246,979	12.41	%	$	159,267	>	8.00	%	$	209,038	>	10.50	%	$	199,084	>	10.00	%
Tier 1 risk-based capital		223,668	11.23			119,450	>	6.00			169,221	>	8.50			159,267	>	8.00
Tier 1 leverage		223,668	11.02			81,171	>	4.00			81,171	>	4.00			101,464	>	5.00
Common equity Tier 1		223,668	11.23			89,588	>	4.50			139,359	>	7.00			129,404	>	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, 2022:
Company:
Total risk-based capital	$	1,055,177	14.28	%	$	591,132	>	8.00	%	$	775,861	>	10.50	%	$	738,915	>	10.00	%
Tier 1 risk-based capital		734,977	9.95			443,349	>	6.00			628,078	>	8.50			591,132	>	8.00
Tier 1 leverage		734,977	9.61			305,959	>	4.00			305,959	>	4.00			382,449	>	5.00
Common equity Tier 1		686,375	9.29			332,512	>	4.50			517,241	>	7.00			480,295	>	6.50
Quad City Bank & Trust:
Total risk-based capital	$	275,337	13.07	%	$	168,588	>	8.00	%	$	221,272	>	10.50	%	$	210,735	>	10.00	%
Tier 1 risk-based capital		248,978	11.81			126,441	>	6.00			179,125	>	8.50			168,588	>	8.00
Tier 1 leverage		248,978	11.01			90,419	>	4.00			90,419	>	4.00			133,023	>	5.00
Common equity Tier 1		248,978	11.81			94,831	>	4.50			147,514	>	7.00			136,978	>	6.50
Cedar Rapids Bank & Trust:
Total risk-based capital	$	308,153	14.84	%	$	166,168	>	8.00	%	$	218,096	>	10.50	%	$	207,711	>	10.00	%
Tier 1 risk-based capital		282,258	13.59			124,626	>	6.00			176,554	>	8.50			166,168	>	8.00
Tier 1 leverage		282,258	13.17			85,707	>	4.00			85,707	>	4.00			107,134	>	5.00
Common equity Tier 1		282,258	13.59			93,470	>	4.50			145,397	>	7.00			135,012	>	6.50
Community State Bank:
Total risk-based capital	$	142,974	12.04	%	$	94,981	>	8.00	%	$	124,662	>	10.50	%	$	118,726	>	10.00	%
Tier 1 risk-based capital		128,130	10.79			71,236	>	6.00			100,917	>	8.50			94,981	>	8.00
Tier 1 leverage		128,130	10.09			50,799	>	4.00			50,799	>	4.00			63,499	>	5.00
Common equity Tier 1		128,130	10.79			53,427	>	4.50			83,108	>	7.00			77,172	>	6.50
Guaranty Bank:
Total risk-based capital	$	243,106	12.24	%	$	158,903	>	8.00	%	$	208,560	>	10.50	%	$	198,629	>	10.00	%
Tier 1 risk-based capital		218,647	11.01			119,177	>	6.00			168,834	>	8.50			158,903	>	8.00
Tier 1 leverage		218,647	10.90			80,229	>	4.00			80,229	>	4.00			100,286	>	5.00
Common equity Tier 1		218,647	11.01			89,383	>	4.50			139,040	>	7.00			129,109	>	6.50