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Note 10 - REGULATORY CAPITAL REQUIREMENTS (Tables)

6 Months Ended

Jun. 30, 2024

Notes Tables

Schedule of the company and the subsidiary banks actual capital amounts and ratios


												For Capital Adequacy					To Be Well Capitalized
							For Capital					Purposes With Capital					Under Prompt Corrective
		Actual					Adequacy Purposes					Conservation Buffer					Action Provisions
		Amount			Ratio		Amount			Ratio		Amount			Ratio		Amount			Ratio

		( dollars in thousands)
As of June 30, 2024:
Company:
Total risk-based capital		$	1,215,780		14.21	%	$	684,345	>	8.00	%	$	855,431	>	10.50	%	$	898,203	>	10.00	%
Tier 1 risk-based capital			897,236		10.49			513,259	>	6.00			684,345	>	8.50			727,116	>	8.00
Tier 1 leverage			897,236		10.40			345,057	>	4.00			431,321	>	4.00			345,057	>	5.00
Common equity Tier 1			848,441		9.92			384,944	>	4.50			556,030	>	7.00			598,802	>	6.50
Quad City Bank & Trust:
Total risk-based capital		$	311,392		12.91	%	$	192,968	>	8.00	%	$	241,210	>	10.50	%	$	253,271	>	10.00	%
Tier 1 risk-based capital			281,205		11.66			144,726	>	6.00			192,968	>	8.50			205,029	>	8.00
Tier 1 leverage			281,205		11.11			101,245	>	4.00			126,557	>	4.00			101,245	>	5.00
Common equity Tier 1			281,205		11.66			108,545	>	4.50			156,787	>	7.00			168,847	>	6.50
Cedar Rapids Bank & Trust:
Total risk-based capital		$	417,981		15.87	%	$	210,700	>	8.00	%	$	263,375	>	10.50	%	$	276,544	>	10.00	%
Tier 1 risk-based capital			390,482		14.83			158,025	>	6.00			210,700	>	8.50			223,869	>	8.00
Tier 1 leverage			390,482		16.22			96,312	>	4.00			120,390	>	4.00			96,312	>	5.00
Common equity Tier 1			390,482		14.83			118,519	>	4.50			171,194	>	7.00			184,362	>	6.50
Community State Bank:
Total risk-based capital		$	179,959		12.61	%	$	114,161	>	8.00	%	$	142,701	>	10.50	%	$	149,836	>	10.00	%
Tier 1 risk-based capital			165,686		11.61			85,621	>	6.00			114,161	>	8.50			121,296	>	8.00
Tier 1 leverage			165,686		11.30			58,666	>	4.00			73,332	>	4.00			58,666	>	5.00
Common equity Tier 1			165,686		11.61			64,216	>	4.50			92,756	>	7.00			99,891	>	6.50
Guaranty Bank:
Total risk-based capital		$	282,164		13.26	%	$	170,291	>	8.00	%	$	212,864	>	10.50	%	$	223,508	>	10.00	%
Tier 1 risk-based capital			258,749		12.16			127,719	>	6.00			170,291	>	8.50			180,935	>	8.00
Tier 1 leverage			258,749		11.54			89,674	>	4.00			112,092	>	4.00			89,674	>	5.00
Common equity Tier 1			258,749		12.16			95,789	>	4.50			138,362	>	7.00			149,005	>	6.50


												For Capital Adequacy					To Be Well Capitalized
							For Capital					Purposes With Capital					Under 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