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Note 17 - Regulatory Capital Requirements and Restrictions on Dividends (Tables)

12 Months Ended

Dec. 31, 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 December 31, 2024:
Company:
Total risk-based capital		$	1,273,903		14.10	%	$	723,016	>	8.00	%	$	948,958	>	10.50	%	$	903,770	>	10.00	%
Tier 1 risk-based capital			955,039		10.57			542,262	>	6.00			768,204	>	8.50			723,016	>	8.00
Tier 1 leverage			955,039		10.73			356,091	>	4.00			356,091	>	4.00			445,114	>	5.00
Common equity Tier 1			906,179		10.03			406,696	>	4.50			632,639	>	7.00			587,450	>	6.50
Quad City Bank & Trust:
Total risk-based capital		$	323,221		13.65	%	$	189,365	>	8.00	%	$	248,541	>	10.50	%	$	236,706	>	10.00	%
Tier 1 risk-based capital			293,597		12.40			142,024	>	6.00			201,200	>	8.50			189,365	>	8.00
Tier 1 leverage			293,597		11.41			102,969	>	4.00			102,969	>	4.00			128,712	>	5.00
Common equity Tier 1			293,597		12.40			106,518	>	4.50			165,694	>	7.00			153,859	>	6.50
Cedar Rapids Bank & Trust:
Total risk-based capital		$	452,942		14.79	%	$	245,055	>	8.00	%	$	321,635	>	10.50	%	$	306,319	>	10.00	%
Tier 1 risk-based capital			424,253		13.85			183,792	>	6.00			260,371	>	8.50			245,055	>	8.00
Tier 1 leverage			424,253		16.40			103,449	>	4.00			103,449	>	4.00			129,312	>	5.00
Common equity Tier 1			424,253		13.85			137,844	>	4.50			214,424	>	7.00			199,108	>	6.50
Community State Bank:
Total risk-based capital		$	189,362		12.94	%	$	117,065	>	8.00	%	$	153,648	>	10.50	%	$	146,332	>	10.00	%
Tier 1 risk-based capital			176,646		12.07			87,799	>	6.00			124,382	>	8.50			117,065	>	8.00
Tier 1 leverage			176,646		11.72			60,305	>	4.00			60,305	>	4.00			75,382	>	5.00
Common equity Tier 1			176,646		12.07			65,849	>	4.50			102,432	>	7.00			95,115	>	6.50
Guaranty Bank:
Total risk-based capital		$	297,047		14.26	%	$	166,695	>	8.00	%	$	218,787	>	10.50	%	$	208,369	>	10.00	%
Tier 1 risk-based capital			272,621		13.08			125,021	>	6.00			177,113	>	8.50			166,695	>	8.00
Tier 1 leverage			272,621		12.15			89,770	>	4.00			89,770	>	4.00			112,213	>	5.00
Common equity Tier 1			272,621		13.08			93,766	>	4.50			145,858	>	7.00			135,440	>	6.50

Note 17. Regulatory Capital Requirements and Restrictions on Dividends (continued)


												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