Qcr Holdings, Inc. · NASDAQ:QCRH
Qcr — Investor Presentation (September 2014)
38 slides from Qcr's investor presentation, Sep 3, 2014
Slide 1: Financial Presentation
FINANCIAL PRESENTATION June 30, 2014 HOLDINGS, INC. a'relationship driven organization®
Slide 2: Forward-looking statements
INC. HOLDINGs, This presentation contains certain forward-looking statements within the meaning of Section 27A of the Securities ns of 1055 aft Sector Ze of ts Satis Ecco Act of 1934, These steer ois Wise, Ht am et Hed to, descriptions of the financial condition, operations, asset and credit quality
Slide 3: Forward-looking statements (continued)
INC. HOLDINGs, (ix) changes in the prices, values and sales volumes of residential and commercial real estate; (x) the effects of corepetten trom 3 wide valet. of sal rena, vatlonal anc oler brovdare of anol, venient and insurance services; (xi) the risks of mergers, eae ions and divestitures, inclu
Slide 4: Non-GAAP Financial Measures
IGS, INC. Ho! MEASURES For purposes of Regulation G, a non-GAAP financial measure {ulure Rranaal parormancé, franolal pees or cash flows ve the effect of excluding amounts, that are Included in Pin the statement of nts, ‘These slides contain n measut ea urn ussee ore peel 3 historoal or that exclude
Slide 5: Table of Contents
HOLD! CR INC. Table of Contents rg Who We Afe......... eee 8 Financial Information ................ 12 FOCUS AYOES..nncccrcnvasanensouen, AT Capital History and Plan............. 18 Strategic Advantages ................ 20 Key Differentiators ...........0..0.... 21 Appendix 27
Slide 6: Investment Rationale
Investment Rationale 3c banks go up-market Strong asset quality with NPA’s / Assets of 1.27% “Pring eet august 18,2016
Slide 7: History of QCR Holdings, Inc.
History of QCR Holdings, Inc. Assos as of June 30,2014 “De Novo ‘Quad City Bank & Trust® ~ Currently $1.28 Billion in Assets rear Formed (Cedar Rapids Bank & Trust? Rockford Bank & ‘Trust ~ Currently $351 ) jon in Assets First Wisconsin Bank & ‘Trust* Quacl City Bancard sells Merchant Acq Milwaukee,
Slide 8: Geography
Geography EYS bickco Kee ete Quad City Bank & Trust Cedar Rapids Bank & Trust rust ee ford Bant © @ ma Lease Funds, LLC © Community Bank & Trust
Slide 9: Corporate Overview
Corporate Overview QGR Holdings, Inc. - Founded, ‘SYMBOL - $2.46 Billion in Assets $1.55 Billion in $1.68 Billion in Deposits 3 Facilities ad iy Bank & Tut () far Rapids Bank & Trust (2) k & Trust (2) ‘Community Bank & Trust (3) Shares Outstanding: 7.9 Million ‘Ownership: ‘Company Benefit Plans 7.9%
Slide 10: Top MSAs / Iowa and Illinois
Hol IGS, INC. Top 25 MSAs / lowa and Illinois heegosapante ci, Kt sareer 30 9887, 18% ss oon Samos MO soz E ° pears os ‘sem “3 Cnohe Count BS NEA 25000 3 70104 0 sro) aa DovenpetMelne Rokr I. 7088 4 sea 18 ans 33 Peoria 6720 r 381216 1887 aa Rosh 068 4 ¥ 7 6357 Ceca Roi | 5260 4 288 Rest 9 CChapignU
Slide 11: Total Consolidated Assets
izati Total Consolidated Assets CAGR 1994-2014 23.04%, CAGR 1994-2007 22.26% CAGR 2008-2014 7.40% B&T| (204 N ) CRBT (2001) N &T (2005) 885 8885 8 83885 8 Bete es SSE EEE EEG EEE RR EE SES IN MILLIONS OF DOLLARS
Slide 12: Financial summary as of June 30, 2014
Hol IGS, INC. 0 70 Zan we 2s 7s ofsune30 20% Gnsreusanes) NT amount moUNT AMOUNT noun * sn, cel ingest and fei Soealleeltd sri908 46 er er cr er ed esis ssvosz0 21% sepa aK ssor210 2 semztze a Netiensoacas sinters sem Ce ee ee ec va esoty 96, sr se si suns sis o%
Slide 13: Income statement summary
Ho! IGS, INC. relationship driven organizati tinea atvbubleto OCR Hons aticome arbutatieto OCR Hotngs ne comon sakes ri eds) (in thousands) sounts ss sence 648 0408 ssgais a 15408 7482 8521 sou 10. 6997) sso 9) jaz) ous) ean ‘eam we28 zoos 014 25406 18959 876) ae 6516 Ca) x0) 208) ame 27 F wr0 953 e
Slide 14: Community National Bank (CNB) Transaction
HOLDINGS, INC. Community National Bank (CNB) Transaction Community National Bank Founded in 19: Hesigueieets in Waterloo, IA Acquired, 132019 (Commuyiry $ 277 Million in assets $ 246 Million in deposit $ 191 Million in loans w 8 Facilities Waterloo, 1A (2) Cedar Falls, 1A (2) Mason iy WAC Astin, MN
Slide 15: Stock Metrics
Stock Metrics $17.00 $15.00 $13.00 $11.00 $9.00 $7.00 Diluted EPS 2009-22014 a Tevishare woacct eS sicck rice —Srvishore 2009 2010 2011 2012 2013 Q12014 Q22014 ($0.46) $0.53 $092 $1.85 $2.08 $0.40 $0.45
Slide 16: Value
Value YN a 10, Grow loans / leases Grow Wealth Management income 1% ROAA Continue to grow TCE organically, with a target of 6.5% Improve liquidity in our stock
Slide 17: History of Capital Raises
History of Capital Raises oat 1993 stun 2014 stun 2014 Prat Placement of SIM in Peed tsk a 975% Prat Placement of SLs fe Stock 19.79% 3or2Common tok Spit for 2 Common Sock Spt iat Placement of $5 in Common Stok S190 pet sare Pooled Ts Prfored SS Mating at Lite. rate Placement ofS 4M in Peer tsk a 60
Slide 18: Capital Plan
Capital Plan * Continue to grow TCE organically, with a target of 6.5%, (Shelf Registration filed June 2014)
Slide 19: The Strategic Value of our Charters
he Strategic Value of our Lai Charters local centralized and efficient manner Credit quality better than peers Historie deposit growth better than peers Historic loan growth better than peers Wealth Management, SBA/USDA lend: and Leasi
Slide 20: Key Differentiator: Correspondent Banking
Key Differentiator: + Depth of product offerings: Correspondent Ban! - Loan Participations sath senvie ping Servi - Credit Card Services - Bank Stock Financing - Fed Funds Lines and Wisconsin,
Slide 21: Key Differentiator: Group Operations
ey Differentiator: ‘oup Operations * Accounting — John Oakes ustomer Servi ing — Kathy Franeque * Funds Management — John McEvoy * Information Technology ~ Michael Wyffels and John Rodi + Internal Audi Tim Harding 1 Westlund « Loan Operations ~ Pam Goodwin Fs r :
Slide 22: Key Differentiator: Wealth Management
Key Differentiator: Wealth Management As of June 3 and $662 aie in oes (and related) accounts. + Depth of product offerings: Financial Planning 5 Mensa ~ Trust Ser state Plan ~ Brokerage and RIA - Insurance - Family - Qualified Plans “big banks are going up market”
Slide 23: Key Differentiator: SBA - USDA Lending
Key Differentiator: SBA - USDA Lending the Fiscal Year Ending 9/30/13 - Rockford Bank & Tri 8th in the state of Illinois (# of loans) Fiscal Year Ending 9/30/13 - Cedar Rapi ids Banl k & Trust — 5" in the nation (dollar volume)
Slide 24: Key Differentiator: m2 Lease Funds, LLC
Key Differentiator: m2 Lease Funds, LLC = Marine Equipment + Machinery/Machine Tools - Office Technology + Printin ~ Telecom - Bakery + Health Care
Slide 25: Thank You / Questions
Thank, ¥o oday! Questions
Slide 26: Appendix
Appendix
Slide 27: Quad City Bank & Trust
INC. HOLDINGs, Quad City Bank & Trust p mi. son, President & CEO Assets: $1.28 Billon (as of 6/30/14) 42 {ep 3b 0.7¥4marl hr an oe S400 on in dpestsn Davenpot Moline Rock Isiand MSA (30% of taal deposits) Finaist 2013 and 2014 Quad Ces Best Pace 1 Werk, Major Employers Systems EN Cocos nates Clay oN
Slide 28: Cedar Rapids Bank & Trust
INC. HOLDINGS, Cedar Rapids Bank & Trust he Highlights - Cedar Rapids + Ineratonal Headaunters for Rockwell Colins Larry J. Helling, President & CEO = + Dountown Revtalzation~ Double Tre by Hiton Cedar Rapids Convention Assets: $826 Million* (as of 6/30/14) ‘Complex $144MM, 2 year project resulted i
Slide 29: Rockford Bank & Trust
Rockford Bank & Trust Thomas D. Budd, President & CEO ats $051 Mian fab of 6/90") ket Deposits: $6.1 Billion Tep 10’bank wih 8.0% marketshare and over $200 katona sports in Record MSA 15% ofttl coposts) Major Employers Winnebago Cor Woodward Ine Highlights - Rockford AAR (largest strat maintenance c
Slide 30: Community Bank & Trust
INC. HOLDINGs, Community Bank & Trust Ggoumuniry Stacey J. Bentley, President & CEO 14) ion ‘op 10 bank wih 5.0% market share and over $140 bien in eposisin Cedar Rapids MSA (9% of tal deposits) Major Employers ‘Area Education Agency 287 ‘Omega Cabinetry Lt (CBE Companies, In Berteh Cabinets Highlig
Slide 31: Loan Portfolio Composition
Loan Portoio Compo je 30, 21d IN MILLIONS OF DOLLARS Dollar Mix Percent Mi 1% 8 4805 Commercial & Indus ‘Non Owner Occupied Commercial Real Estate 3777 24 ‘Owner Occupied Commercial Real Estate 2076 16 Residential Real Estate 1532 10 Direct Financing Leases 155.0 10 Installment and Other Consumer na
Slide 32: Peer Credit Analysis
Peer Credit Analysis Non-Performing Assets / Assets TICKER NPAS/ASSETS see ose suse an seo | _——ssrace_—2—mecan THF 160 250 sre 19 200 svar ose 180 Hew 120 wae 325 ase ose anF 1 ore ose rent 036 ee eo) averace: E 150 MEDIAN: : 120 ‘aca woLomies, ne. ‘ecru 125 seu: Si Rani 04 | |
Slide 33: Charge-Off Analysis
Charge-Off Analysis rooncore cn) asa em) “aster aroo2c) pene tase wae ef une 30,208
Slide 34: Consolidated Securities Portfolio
HOLD! CI INC. QCR Holdings, Inc. Consolidated Securities Portfolio Markt vie on05) UnesizedGainors 000) in 00) ‘ageate eres 000%) cme Spends) ‘Average ilo rejected Spends) ones Fs) ‘Muna Tale ‘0 ea orpenn Fe) om % Gannoee Book 3184 wm cosa 2a: 0 ‘1 9 1 c im (ea or c 7; : oar 3 1 ee c “ 1 a ee
Slide 35: Consolidated Wholesale Funding
Ho! INC. QcR Holdings, ine Consolidated Wholesale Funding ste 30,2014 December 31, 2018 December34, 2013 une 20,2014 ed Average Weighted Average Interest Rate t Interest Rote at away ‘Amoua Due Quater-End ‘evount Due YeaesEna ‘Yeor endag December 31 (cor emout inhowsande 2018 $8423 055% 5 tosa1 126%
Slide 36: Executive Management Team
OE a QER Holdings, Inc. Executive Mana: ‘OUR MISSION: LEFT TO RIGHT Dana Nichols
Slide 37: Executive Management Team
Executive Management Team CHW. COUCH DANA L, NICHOLS Presiden! and Chief Bxeeuve Ofer President ond Chef Executive Ofer, Executive Vie Presient, Che Lening Ofer, 137 Years n Banking /Financel Services sptaoe Fonte Uc Gete Ree Sk i Company 27 Year in Banking /Fiancil Services ars in Banking / Pinas p
Slide 38: 3551 7th Street, Moline, Illinois
3551 7® Street Moline, Illinois 61265 wownn.qerh.com QCR HOLDINGS, INC. a'rélationship driven organization
QCR Holdings — Investor Presentation (September 2014) on 6ix