The Heartland banks’ actual capital amounts and ratios are also presented in the tables below, in thousands:



	Actual				For Capital Adequacy Purposes					To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio		Amount			Ratio		Amount		Ratio
As of December 31, 2018
Total Capital (to Risk-Weighted Assets)
Consolidated	$	1,200,947	13.72	%	$	700,490		8.00	%	N/A
Dubuque Bank and Trust Company	165,687		14.10		93,975			8.00		$	117,469	10.00	%
Illinois Bank & Trust	74,657		13.02		45,884			8.00		57,355		10.00
Wisconsin Bank & Trust	115,318		13.90		66,351			8.00		82,939		10.00
New Mexico Bank & Trust	150,261		12.92		93,063			8.00		116,328		10.00
Arizona Bank & Trust	63,606		11.90		42,766			8.00		53,458		10.00
Rocky Mountain Bank	51,982		14.26		29,160			8.00		36,449		10.00
Citywide Banks	235,691		13.46		140,117			8.00		175,146		10.00
Minnesota Bank & Trust	69,002		12.99		42,493			8.00		53,117		10.00
Morrill & Janes Bank and Trust Company	72,520		16.14		35,937			8.00		44,922		10.00
Premier Valley Bank	85,710		13.71		50,017			8.00		62,521		10.00
First Bank & Trust	102,795		13.48		61,004		—	8.00		76,255		10.00



	Actual				For Capital Adequacy Purposes					To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio		Amount			Ratio		Amount		Ratio
As of December 31, 2018
Tier 1 Capital (to Risk-Weighted Assets)
Consolidated	$	1,064,669	12.16	%	$	525,368		6.00	%	N/A
Dubuque Bank and Trust Company	155,391		13.23		70,482			6.00		$	93,975	8.00	%
Illinois Bank & Trust	70,470		12.29		34,413			6.00		45,884		8.00
Wisconsin Bank & Trust	108,193		13.04		49,763			6.00		66,351		8.00
New Mexico Bank & Trust	141,161		12.13		69,797			6.00		93,063		8.00
Arizona Bank & Trust	59,993		11.22		32,075			6.00		42,766		8.00
Rocky Mountain Bank	48,428		13.29		21,870			6.00		29,160		8.00
Citywide Banks	226,645		12.94		105,088			6.00		140,117		8.00
Minnesota Bank & Trust	63,633		11.98		31,870			6.00		42,493		8.00
Morrill & Janes Bank and Trust Company	67,975		15.13		26,953			6.00		35,937		8.00
Premier Valley Bank	82,321		13.17		37,513			6.00		50,017		8.00
First Bank & Trust	100,884		13.23		45,753			6.00		61,004		8.00
Common Equity Tier 1 (to Risk-Weighted Assets)
Consolidated	$	933,755	10.66	%	$	394,026		4.50	%	N/A
Dubuque Bank and Trust Company	155,391		13.23		52,861			4.50		$	76,355	6.50	%
Illinois Bank & Trust	70,470		12.29		25,810			4.50		37,281		6.50
Wisconsin Bank & Trust	108,193		13.04		37,323			4.50		53,910		6.50
New Mexico Bank & Trust	141,161		12.13		52,348			4.50		75,613		6.50
Arizona Bank & Trust	59,993		11.22		24,056			4.50		34,748		6.50
Rocky Mountain Bank	48,428		13.29		16,402			4.50		23,692		6.50
Citywide Banks	226,645		12.94		78,816			4.50		113,845		6.50
Minnesota Bank & Trust	63,633		11.98		23,903			4.50		34,526		6.50
Morrill & Janes Bank and Trust Company	67,975		15.13		20,215			4.50		29,199		6.50
Premier Valley Bank	82,321		13.17		28,134			4.50		40,639		6.50
First Bank & Trust	100,884		13.23		34,315		—	4.50		49,566		6.50
Tier 1 Capital (to Average Assets)
Consolidated	$	1,064,669	9.73	%	$	437,858		4.00	%	N/A
Dubuque Bank and Trust Company	155,391		9.97		62,317			4.00		$	77,897	5.00	%
Illinois Bank & Trust	70,470		8.56		32,941			4.00		41,177		5.00
Wisconsin Bank & Trust	108,193		10.47		41,317			4.00		51,647		5.00
New Mexico Bank & Trust	141,161		9.58		58,958			4.00		73,697		5.00
Arizona Bank & Trust	59,993		9.20		26,089			4.00		32,611		5.00
Rocky Mountain Bank	48,428		9.82		19,730			4.00		24,662		5.00
Citywide Banks	226,645		10.53		86,129			4.00		107,662		5.00
Minnesota Bank & Trust	63,633		10.00		25,445			4.00		31,806		5.00
Morrill & Janes Bank and Trust Company	67,975		11.31		24,041			4.00		30,052		5.00
Premier Valley Bank	82,321		10.53		31,285			4.00		39,106		5.00
First Bank & Trust	100,884		10.13		39,846			4.00		49,807		5.00



	Actual				For Capital Adequacy Purposes				To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio		Amount		Ratio		Amount		Ratio
As of December 31, 2017
Total Capital (to Risk-Weighted Assets)
Consolidated	$	1,010,116	13.45	%	$	600,924	8.00	%	N/A
Dubuque Bank and Trust Company	156,544		13.63		91,878		8.00		$	114,848	10.00	%
Illinois Bank & Trust	71,410		12.62		45,265		8.00		56,582		10.00
Wisconsin Bank & Trust	113,045		14.57		62,057		8.00		77,572		10.00
New Mexico Bank & Trust	133,274		11.42		93,401		8.00		116,751		10.00
Arizona Bank & Trust	61,550		13.39		36,773		8.00		45,966		10.00
Rocky Mountain Bank	50,729		13.78		29,461		8.00		36,826		10.00
Citywide Banks	226,493		13.63		132,975		8.00		166,219		10.00
Minnesota Bank & Trust	23,760		13.76		13,811		8.00		17,264		10.00
Morrill & Janes Bank and Trust Company	72,471		13.42		43,206		8.00		54,007		10.00
Premier Valley Bank	83,772		12.95		51,743		8.00		64,679		10.00
Tier 1 Capital (to Risk-Weighted Assets)
Consolidated	$	879,133	11.70	%	$	450,693	6.00	%	N/A
Dubuque Bank and Trust Company	148,080		12.89		68,909		6.00		$	91,878	8.00	%
Illinois Bank & Trust	66,547		11.76		33,949		6.00		45,265		8.00
Wisconsin Bank & Trust	106,236		13.70		46,543		6.00		62,057		8.00
New Mexico Bank & Trust	123,519		10.58		70,050		6.00		93,401		8.00
Arizona Bank & Trust	56,870		12.37		27,579		6.00		36,773		8.00
Rocky Mountain Bank	47,660		12.94		22,096		6.00		29,461		8.00
Citywide Banks	221,239		13.31		99,731		6.00		132,975		8.00
Minnesota Bank & Trust	22,554		13.06		10,358		6.00		13,811		8.00
Morrill & Janes Bank and Trust Company	67,328		12.47		32,404		6.00		43,206		8.00
Premier Valley Bank	81,213		12.56		38,808		6.00		51,743		8.00
Common Equity Tier 1 (to Risk Weighted Assets)
Consolidated	$	756,309	10.07	%	$	338,019	4.50	%	N/A
Dubuque Bank and Trust Company	148,080		12.89		51,681		4.50		$	74,651	6.50	%
Illinois Bank & Trust	66,547		11.76		25,462		4.50		36,778		6.50
Wisconsin Bank & Trust	106,236		13.70		34,907		4.50		50,422		6.50
New Mexico Bank & Trust	123,519		10.58		52,538		4.50		75,888		6.50
Arizona Bank & Trust	56,870		12.37		20,685		4.50		29,878		6.50
Rocky Mountain Bank	47,660		12.94		16,572		4.50		23,937		6.50
Citywide Banks	221,239		13.31		74,799		4.50		108,042		6.50
Minnesota Bank & Trust	22,554		13.06		7,769		4.50		11,222		6.50
Morrill & Janes Bank and Trust Company	67,328		12.47		24,303		4.50		35,104		6.50
Premier Valley Bank	81,213		12.56		29,106		4.50		42,042		6.50
Tier 1 Capital (to Average Assets)
Consolidated	$	879,133	9.20	%	$	382,089	4.00	%	N/A
Dubuque Bank and Trust Company	148,080		10.05		58,932		4.00		$	73,666	5.00	%
Illinois Bank & Trust	66,547		8.39		31,728		4.00		39,660		5.00
Wisconsin Bank & Trust	106,236		10.53		40,373		4.00		50,466		5.00
New Mexico Bank & Trust	123,519		8.54		57,834		4.00		72,292		5.00



	Actual				For Capital Adequacy Purposes				To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio		Amount		Ratio		Amount		Ratio
December 31, 2017
Tier 1 Capital (to Average Assets)
Arizona Bank & Trust	$	56,870	9.94	%	$	22,890	4.00	%	$	28,613	5.00	%
Rocky Mountain Bank	47,660		9.82		19,418		4.00		24,272		5.00
Citywide Banks	221,239		10.03		88,240		4.00		110,300		5.00
Minnesota Bank & Trust	22,554		10.77		8,379		4.00		10,473		5.00
Morrill & Janes Bank and Trust Company	67,328		9.47		28,435		4.00		35,543		5.00
Premier Valley Bank	81,213		9.80		33,157		4.00		41,446		5.00