Note 10 - REGULATORY CAPITAL REQUIREMENTS (Tables)

3 Months Ended

Mar. 31, 2024

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, 2024:
Company:
Total risk-based capital	$	1,181,827	14.30	%	$	660,989	>	8.00	%	$	867,548	>	10.50	%	$	826,237	>	10.00	%
Tier 1 risk-based capital		867,778	10.50			495,742	>	6.00			702,301	>	8.50			660,989	>	8.00
Tier 1 leverage		867,778	10.33			336,048	>	4.00			336,048	>	4.00			420,060	>	5.00
Common equity Tier 1		819,015	9.91			371,806	>	4.50			578,366	>	7.00			537,054	>	6.50
Quad City Bank & Trust:
Total risk-based capital	$	305,569	12.77	%	$	191,391	>	8.00	%	$	251,201	>	10.50	%	$	239,239	>	10.00	%
Tier 1 risk-based capital		275,648	11.52			143,543	>	6.00			203,353	>	8.50			191,391	>	8.00
Tier 1 leverage		275,648	11.15			98,876	>	4.00			98,876	>	4.00			123,596	>	5.00
Common equity Tier 1		275,648	11.52			107,658	>	4.50			167,467	>	7.00			155,505	>	6.50
Cedar Rapids Bank & Trust:
Total risk-based capital	$	398,654	15.53	%	$	205,302	>	8.00	%	$	269,458	>	10.50	%	$	256,627	>	10.00	%
Tier 1 risk-based capital		373,281	14.55			153,976	>	6.00			218,133	>	8.50			205,302	>	8.00
Tier 1 leverage		373,281	16.01			93,236	>	4.00			93,236	>	4.00			116,545	>	5.00
Common equity Tier 1		373,281	14.55			115,482	>	4.50			179,639	>	7.00			166,808	>	6.50
Community State Bank:
Total risk-based capital	$	175,056	12.81	%	$	109,305	>	8.00	%	$	143,463	>	10.50	%	$	136,631	>	10.00	%
Tier 1 risk-based capital		160,919	11.78			81,979	>	6.00			116,136	>	8.50			109,305	>	8.00
Tier 1 leverage		160,919	11.31			56,930	>	4.00			56,930	>	4.00			71,162	>	5.00
Common equity Tier 1		160,919	11.78			61,484	>	4.50			95,642	>	7.00			88,810	>	6.50
Guaranty Bank:
Total risk-based capital	$	273,124	13.11	%	$	166,624	>	8.00	%	$	218,694	>	10.50	%	$	208,280	>	10.00	%
Tier 1 risk-based capital		249,998	12.00			124,968	>	6.00			177,038	>	8.50			166,624	>	8.00
Tier 1 leverage		249,998	11.51			86,845	>	4.00			86,845	>	4.00			108,556	>	5.00
Common equity Tier 1		249,998	12.00			93,726	>	4.50			145,796	>	7.00			135,382	>	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, 2023:
Company:
Total risk-based capital	$	1,171,047	14.29	%	$	655,461	>	8.00	%	$	860,293	>	10.50	%	$	819,327	>	10.00	%
Tier 1 risk-based capital		841,052	10.27			491,596	>	6.00			696,428	>	8.50			655,461	>	8.00
Tier 1 leverage		841,052	10.03			335,420	>	4.00			335,420	>	4.00			419,275	>	5.00
Common equity Tier 1		792,321	9.67			368,697	>	4.50			573,529	>	7.00			532,562	>	6.50
Quad City Bank & Trust:
Total risk-based capital	$	300,413	12.67	%	$	189,707	>	8.00	%	$	248,990	>	10.50	%	$	237,133	>	10.00	%
Tier 1 risk-based capital		270,744	11.42			142,280	>	6.00			201,563	>	8.50			189,707	>	8.00
Tier 1 leverage		270,744	11.23			96,425	>	4.00			96,425	>	4.00			120,531	>	5.00
Common equity Tier 1		270,744	11.42			106,710	>	4.50			165,993	>	7.00			154,137	>	6.50
Cedar Rapids Bank & Trust:
Total risk-based capital	$	381,514	15.60	%	$	195,687	>	8.00	%	$	256,840	>	10.50	%	$	244,609	>	10.00	%
Tier 1 risk-based capital		354,940	14.51			146,766	>	6.00			207,918	>	8.50			195,687	>	8.00
Tier 1 leverage		354,940	14.77			96,093	>	4.00			96,093	>	4.00			120,116	>	5.00
Common equity Tier 1		354,940	14.51			110,074	>	4.50			171,227	>	7.00			158,996	>	6.50
Community State Bank:
Total risk-based capital	$	171,747	13.22	%	$	103,903	>	8.00	%	$	136,372	>	10.50	%	$	129,878	>	10.00	%
Tier 1 risk-based capital		156,629	12.06			77,927	>	6.00			110,397	>	8.50			103,903	>	8.00
Tier 1 leverage		156,629	11.19			56,005	>	4.00			56,005	>	4.00			70,007	>	5.00
Common equity Tier 1		156,629	12.06			58,445	>	4.50			90,915	>	7.00			84,421	>	6.50
Guaranty Bank:
Total risk-based capital	$	267,822	12.68	%	$	168,967	>	8.00	%	$	221,770	>	10.50	%	$	211,209	>	10.00	%
Tier 1 risk-based capital		244,506	11.58			126,726	>	6.00			179,528	>	8.50			168,967	>	8.00
Tier 1 leverage		244,506	11.41			85,688	>	4.00			85,688	>	4.00			107,110	>	5.00
Common equity Tier 1		244,506	11.58			95,044	>	4.50			147,847	>	7.00			137,286	>	6.50