Note 9 - REGULATORY CAPITAL REQUIREMENTS (Tables)

6 Months Ended

Jun. 30, 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 June 30, 2023:
Company:
Total risk-based capital	$	1,106,838	14.69	%	$	602,690	>	8.00	%	$	791,030	>	10.50	%	$	753,362	>	10.00	%
Tier 1 risk-based capital		781,863	10.38			452,017	>	6.00			640,358	>	8.50			602,690	>	8.00
Tier 1 leverage		781,863	10.06			310,928	>	4.00			310,928	>	4.00			388,660	>	5.00
Common equity Tier 1		733,197	9.73			339,013	>	4.50			527,353	>	7.00			489,685	>	6.50
Quad City Bank & Trust:
Total risk-based capital	$	288,709	12.95	%	$	178,291	>	8.00	%	$	234,007	>	10.50	%	$	222,864	>	10.00	%
Tier 1 risk-based capital		260,833	11.70			133,718	>	6.00			189,434	>	8.50			178,291	>	8.00
Tier 1 leverage		260,833	11.04			94,465	>	4.00			94,465	>	4.00			118,081	>	5.00
Common equity Tier 1		260,833	11.70			100,289	>	4.50			156,005	>	7.00			144,861	>	6.50
Cedar Rapids Bank & Trust:
Total risk-based capital	$	343,875	16.68	%	$	164,959	>	8.00	%	$	216,509	>	10.50	%	$	206,199	>	10.00	%
Tier 1 risk-based capital		318,177	15.43			123,720	>	6.00			175,269	>	8.50			164,959	>	8.00
Tier 1 leverage		318,177	14.58			87,303	>	4.00			87,303	>	4.00			109,128	>	5.00
Common equity Tier 1		318,177	15.43			92,790	>	4.50			144,340	>	7.00			134,030	>	6.50
Community State Bank:
Total risk-based capital	$	152,195	12.58	%	$	96,820	>	8.00	%	$	127,076	>	10.50	%	$	121,025	>	10.00	%
Tier 1 risk-based capital		137,739	11.38			72,615	>	6.00			102,871	>	8.50			96,820	>	8.00
Tier 1 leverage		137,739	10.79			51,052	>	4.00			51,052	>	4.00			63,815	>	5.00
Common equity Tier 1		137,739	11.38			54,461	>	4.50			84,717	>	7.00			78,666	>	6.50
Guaranty Bank:
Total risk-based capital	$	251,030	12.58	%	$	159,629	>	8.00	%	$	209,513	>	10.50	%	$	199,536	>	10.00	%
Tier 1 risk-based capital		228,770	11.47			119,721	>	6.00			169,605	>	8.50			159,629	>	8.00
Tier 1 leverage		228,770	11.26			81,302	>	4.00			81,302	>	4.00			101,627	>	5.00
Common equity Tier 1		228,770	11.47			89,791	>	4.50			139,675	>	7.00			129,698	>	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