Slide 1: QCR Holdings, Inc.
QCR HOLDINGS, INC. a relationship driven organization’
Slide 2: Forward-Looking Statements
FORWARD-LOOKING STATEMENTS This presentation contains certain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, and Section 21E of the Securities Exchange Act of 1934. These statements include, but are not limited to, descriptions of the financial condition,
Slide 3: Forward-Looking Statements - Continued
FORWARD-LOOKING STATEMENTS - Continued (ix) changes in the prices, values and sales volumes of residential and commercial real estate; (x) the effects of competition from a wide variety of local, regional, national and other providers of financial, investment and insurance services; (xi) the risks o
Slide 4: Non-GAAP Financial Measures
NON-GAAP FINANCIAL MEASURES These slides contain non-GAAP financial measures. For purposes of Regulation G, a non-GAAP financial measure is a numerical measure of the registrant's historical or future financial performance, financial position or cash flows that excludes amounts, or is subject to adj
Slide 5: Table of Contents
C R HOLDINGS, INC. Table of Contents Who We Are CRBT.............ss00000 6 QGR Holdings, InGwcsscccisccecccscvee 11 Fimancials..............ssccccceeeeeeseee 14 QUE StRALC OY sicwecsicisininisneeenamncniias 22 Strategic Advantages............... 24 IAD DON GIN nse eciecetencts seen 26
Slide 6: Cedar Rapids Bank & Trust Overview
Cedar Rapids Bank & Trust Overview CEDAR RAPIDS BANK & TRUST - SNAPSHOT ‘September 14,2001 CRBT is legally formed. September 28,2001 CRBT opens to public. BEST OF THE CORRIDOR Opening of Branch Facility at 5400 Council St NE tunel duly.200s and new Headquarters at 500 1st Ave NE. May 1, 2008 CRBT su
Slide 7: Summary of Financial Results 2006-2011
Summary of Financial Results 2006-2011 Net interest income $8,188 $9,431 «$12,469 $15,258 «$15,569 $3,762 $15,048 Non-interest income 212 3,336 4.139 4,391 6,099 1,670 6,682 Non-interest expense (6,984) (8,408) (10,116) (14,692) (12,324) (3,175) (42,700) Pre-tax pre-provision 3317 4,360 6.491 7.957
Slide 8: Total Consolidated Assets
Total Consolidated Assets IN MILLIONS OF DOLLARS Dec-01 Dec-02 Dec-03 Dec-04 Dec-06 Dec-05 Dec-07 Dec-08 Dec-09 Dec-10
Slide 9: Total Consolidated Deposits
Total Consolidated Deposits IN MILLIONS OF DOLLARS Dec-01 Dec-02 Dec-03 Dec-04 Dec-05 Dec-06 Dec-07 Dec-08 Dec-09 Dec-10
Slide 10: Cedar Rapids Bank & Trust Peer Analysis
CEDAR. RAPIDS TRUST Cedar Rapids Bank & Trust Peer Analysis No. of Offices jased Loan Loss Reserve titution Name * Market Share Depo: inn County 1 Ratio to Total Loans US Bank National Assn 8 829,190 21.10% NA NA Wells Fargo Bank Na 8 510,563 12.99% NA NA Farmers State Bank 8 492,656 12.54% 15.20 1.
Slide 11: Corporate Overview
eee HOLDINGS, INC. a relationship driven organi: Corporate Overview Founded in 1993 Headquartered in Moline, IL $ 1.8 Billion in assets $ 1.2 Billion in deposits $ 1.2 Billion in loans 10 Facilities Quad City Bank & Trust (5) Rockford Bank & Trust (2) Cedar Rapids Bank & Trust (2) m2 Lease Funds LLC
Slide 12: Top MSAs / Iowa and Illinois
oe HOLDINGS, INC. a relationship driven organi Top 25 MSAs / lowa and Illinois reaper ape, LN onan ws sa0 arses Cominco Bate NEA seams m3 e008 Des re, sr20704 8 2 ora Devgan Rsk and iL S108 a 19 088 Pee ass? 2 a wae Roa $5201 2 106 50396 eae Raps. 8 on 3° 108 058 ‘harpogroara, ror * 10 2628 sponge,
Slide 13: History of QCR Holdings, Inc.
mene a relationship di History of QCR Holdings, Inc. 1993 Founded by Mike Bauer and Doug Hultquist 1994 Quad City Bank & Trust* — Currently $1.04 Billion in Assets 2001 Cedar Rapids Bank & Trust* — Currently $558 Million in Assets 2005 Rockford Bank & Trust* — Currently $272 Million in Assets 2005 Q
Slide 14: Summary of Financial Results 2006-2011
C R HOLDINGS, INC. driven organi: Summary of Financial Results 2006-2011 Net interest income $29,896 $34,352 $44,623 $50,662 $49,864 $12,209 $48,836 Non-interest income 10,998 13,499 13,931 15,547 15,406 5,057 20,228 Non-interest expense (34,063) (35,734) (42,334) (46,937) (48,549) (13,012) (52,048)
Slide 15: Total Consolidated Assets
C R HOLDINGS, INC. jelationship driv Total Consolidated Assets IN MILLIONS OF DOLLARS $2,000 $1,750 $1,500 $1,250 $1,000 $750 $500 $250 $o CAGR 1994-2010 27.23% CAGR 1994-2007 32.26% CAGR 2008-2010 7.54% Dec-94 Dec-95 Dec-96 Dec-97 Dec-98 Dec-99 Dec-00 Dec-01 Dec-02 Dec-03 Dec-04 Dec-05 Dec-06 Dec-0
Slide 16: Total Consolidated Deposits
Total Consolidated Deposits IN MILLIONS OF DOLLARS Dec-94 Deo-95 Dec-96 Deo-97 Dec-98 Deo-99 Dec-00 Dec-01 Dec-02 Deo-03 Dec-04 Deo-05 Deo-06 Dec-07 Deo-08 Deeo-09 Deo-10
Slide 17: A Closer Look: Total Consolidated Deposits (2006-2010)
A Closer Look: Total Consolidated Deposits (2006-2010) IN MILLIONS OF DOLLARS $600 ™ NON-INTEREST BEARING “INTEREST BEARING =CD's $500 $400 $300 $200 $100 $0 Dec.312006 Dec.312007 Dec.31 2008 Dec.312009 Dec.31 2010
Slide 18: Loan Portfolio Composition
HOLDINGS, INC. Loan Portfolio Composition March 31, 2011 IN MILLIONS OF DOLLARS TYPE Commercial & Industrial 31.0 % Non Owner Occupied Commercial Real Estate 335.2 29.0 ‘Owner Occupied Commercial Real Estate 154.6 134 Direct Financing Leases 84.0 73 Installment and Other Consumer 82.9 72 Residential
Slide 19: Peer Credit Analysis Graphs: Non-Performing Assets / Assets
HOLDINGS, INC. relationship driven organi Peer Credit Analysis Graphs Non-Performing Assets / Assets ISTITUTION Peer Group: (ld Seeend Bancorp, ne ‘Macatawa Bank Corporation ‘Southwest Bancorp, Inc. ‘Mercantile Bancorp, Ine ‘Mercantile Bank Corporation Baylake Corp Taylor Capital Group, ne. (MB Fina
Slide 20: Peer Comparisons
Peer Comparisons Assets Total Capital TCE Texas Ratio NPAs/Assets ROE Efficiency Price/Tangible Book Average $ 3.0 Billion 14.3% 6.38% 58.8% 4.3% (7.0)% 64% 1.4 Median $2.6 Billion 15.2% 6.87% 35.3% 3.0% 6.0% 64% 14
Slide 21: Book Value of Common Stock Vs. Fair Market Value
Book Value of Common Stock Vs. Fair Market Value IN MILLIONS OF DOLLARS $100 $90 $80 $70 $60 $50 $40 $30 $20 $10 $0 Deess DeeS8 Dee95 Dee95 Dee-97 D498 Oee-99 DECI DecOl DecO2 DeeOS Deed Dee5 D4C05 D¥C-07 DeeOE D809 DecI0 = Book Value of Stock = Fair Market Value
Slide 22: Strategic Issues Impacting Market Value Per Share
mee; INC. a relationship driven organization” Strategic Issues Impacting Market Value Per Share Low Tangible Common Equity Ratio —- More Common Shares? Treasury Capital of $38.2 Million — How will it be Redeemed? Asset Quality Questions — Have NPA’s Peaked? “Normalized” Earnings — When and What?
Slide 23: Entity Wide 2011 Strategic Initiatives
mee; INC. Entity Wide 2011 Strategic Initiatives Prioritization of growth in earnings and earnings per share (EPS). over growth in assets Preservation of capital and increasing tangible common equity (TCE) to allow for redemption of Treasury Capital without the need for a dilutive common equity rais
Slide 24: Strategic Advantages
mene a relationship di Strategic Advantages + 3 distinct (yet similar) operating charters — able to customize solutions by market + Managed by local veteran bankers and governed by local Board of Directors + Credit quality better than peers + Historic growth better than peers * Top 5 Deposit market
Slide 25: Thank You and Questions
Thank, YOu, ane Questions
Slide 26: Appendix
HQ INC. a relationship driven organization” Appendix
Slide 27: Peer Credit Analysis Graphs: Non-Performing Assets / Loans + OREO
HOLDINGS, INC. a relationship driven organization” Peer Credit Analysis Graphs Non-Performing Assets / Loans + OREO NPAS / institu TICKER Peer Group: ld Second Bancorp, Inc. sec 16.28 ‘Mercantile Bancorp, Inc MBR un ‘Macatawa Bank Corporation cee 1159 Southwest Bancorp, Inc oKs8 1051, Baylake Corp,
Slide 28: Peer Credit Analysis Graphs: NCOs / Average Loans
HOLDINGS, INC. Peer Credit Analysis Graphs NCOs / Average Loans —e0CRH = + Peer Mean Provision Expense / NCOs Sees pec PEEPGEPEES cwvrovonmmocn EEE EG zor00t 201002 2o100a zor004 aoe
Slide 29: Peer Analysis 2011 Q1
Peer Analysis 2011 Q1 — procher tonne far aes thot Se ie i Ba wt Eieerentoccasovecp ras haat fe im Be Ik OR Sie Source: SNL Financia, data forthe quarter ended 3/31/11 Note: Texas rato equal to (NPAS + Loans 80 Days Past Due) /(Tangible Common Equity + Loan Loss Reserves).