Qcr Holdings, Inc. · NASDAQ:QCRH

Qcr — Investor Presentation (August 2021)

29 slides from Qcr's investor presentation, Aug 2, 2021

  1. Slide 1: Investor Presentation Updated July 31, 2021

    Investor Presentation Updated July 31, 2021

  2. Slide 2: Forward-looking statements and non-GAAP financial measures

    A number of factors, many of which are beyond the ability of the Company to control or predict, could cause actual results to differ materially from those in its forward - looking statements. These factors include, among others, the following: (i) the strength of the local, state, national and inter

  3. Slide 3: QCR Holdings, Inc. Overview

    • Local charters provide a competitive advantage • Strong, centralized risk management function • Efficient centralized group operations • Strong credit and asset quality • Consistent adjusted net income growth • High - touch service approach • Serving attractive Midwest markets • Significant expans

  4. Slide 4: QCRH operates four locally managed and governed charters

    QCRH operates four locally managed and governed charters, supported by a centralized operations team. Lines of Business: ▪ Full - service commercial and consumer banking ▪ Correspondent banking ▪ Commercial lease financing ▪ Trust and wealth management services Assets: $5.8 Billion Loans: $4.4 Billi

  5. Slide 5: Seasoned Senior Leadership

    5 T odd A . G i pp l e President, COO and CFO ▪ Over 30 years of commercial banking and financial accounting experience ▪ Joined QCR Holdings in 2000 ▪ Appointed Chief Financial Officer in 2000 ▪ Appointed Chief Operating Officer in 2008 ▪ QCR Holdings Board Director since 2009 Larry J. Helling Chie

  6. Slide 6: Our Mission, Vision and Values

    WHO WE ARE Our Mission, Vision and Values 6 Our Vision Exceptional people providing extraordinary performance for our clients, shareholders and comm u ni t i e s. Our Mission We make financial dreams a reality. Our Values PASSION | We care. ACHIEVEMENT | We expect to win. ACCOUNTABILITY | We drive i

  7. Slide 7: The Value of Separate Charters

    The Value of Separate Charters Source: FDIC deposit market share data a provided by S&P Global (as of 6/30/19). Managed and governed by local veteran bankers and boards with strong community ties and expertise • High touch service delivered by knowledgeable professionals • Strong community involveme

  8. Slide 8: Our History of Growth

    8 1993 QCR Holdings F ounded $14 million IPO 1994 Quad City Bank & Trust (De Novo) 2001 Cedar Rapids Bank & Trust (De Novo) 2005 Rockford Bank & Trust (De Novo) & Quad City Bank & Trust acquires m2 Lease Funds, LLC 2013 C o mm un i ty National Bank acquisition 2016 C o mm un i ty State Bank acquisit

  9. Slide 9: Our Charters at a Glance

    9 GROWTH Our Charters at a Glance Entity States/ R e gion # Locations Deposits Market Share Iowa/Illinois Quad Cities 5 $1.8B #1 Iowa Cedar Rapids 5 $1.2B #1 Iowa Cedar Valley 3 $0.2B #7 Iowa Des Moines/ Ankeny 9 $0.9B #7 Missouri S p r i ng f i e l d 1 $0.6B #7 Location and deposit data as of June

  10. Slide 10: Strong Market Share in Attractive MSAs

    Strong Market Share in Attractive MSAs * MSAs include Davenport - Moline - Rock Island, IA - IL, Cedar Rapids, IA, Rockford - IL, Waterloo - Cedar Falls - IA, Des Moines/West Des Moines - IA, and Springfield, MO. All banks reflect Pro Forma Data from acquisitions. ** Pro Forma based on Rockford Bank

  11. Slide 11: Unique and Diversified Products and Services

    Unique and Diversified Products and Services • Fiduciary services • Investment management services • Financial planning • Brokerage services • 6/30/21 AUM: $5.1B • Competitive deposit products • Safekeeping and cash management services • 186 correspondent banking relationships • Bank stock loans • C

  12. Slide 12: A Broad Scope of Wealth Management Services

    12 A Broad Scope of Wealth Management Services SCOPE The wealth management business model and the scope of our services is unique to QCRH. Wealth Management & Trust Services • Investment management • Financial planning • Trust services • Fiduciary services • Tax services Investment Center • Investme

  13. Slide 13: Diverse and Growing Client Relationships

    13 Diverse and Growing Client Relationships GROWTH $8 . 2 $9 . 9 $11 . 3 $12 . 0 $12 . 6 $15 . 3 $ 1 8 . 0 $ 1 6 . 0 $ 1 4 . 0 $ 1 2 . 0 $ 1 0 . 0 $8.0 $6.0 $4.0 $2.0 $0.0 2 0 16 2 0 17 2 0 18 2 0 19 2020 6/30/2021 (1) R e v e n u e (1) 2021 data annualized. All data excludes Bates and RB&T. Revenue

  14. Slide 14: Environmental, Social and Governance Highlights

    COMMITMENT Environmental, Social and Governance Highlights Environmental Responsible use of our resources with a focus on sustainability Social Commitment to support the communities in which we live and work Governance Integrity in our business practices Our Long - Term Commitment With numerous prog

  15. Slide 15: Our Strategy for Long-Term Success

    Our Strategy for Long - Term Success We’ve set a simple and focused strategy for our future. 9 - 6 - 5 is our plan to continue to grow earnings and drive attractive long - term returns for our shareholders. 9 – Grow loans by 9% per year, funded with core deposits 6 – Grow fee income no less than 6%

  16. Slide 16: Financial Highlights

    F inan c ia l H igh ligh ts 16

  17. Slide 17: A Consistent Track Record of Asset Growth

    ASSET GROWTH 17 $2. 2 $2. 9 $3. 5 $4. 4 $4. 9 $5. 7 $5. 8 67.6% 71.9% 73.8% 75.0% 75.2% 74.8% 76.1% 2015 2016 2017 Total Assets 2018 2019 2020 6/30/2021 Total Loans & Leases/Total Assets A Consistent Track Record of Asset Growth Asset growth has been driven by a combination of organic growth and str

  18. Slide 18: Deposit Growth Driven by Core Deposits

    34% 31% 25% 20% 20% 25% 27% 48% 52% 60% 57% 62% 65% 63% 15% 15% 13% 16% 16% 10% 10% 7% 2% $1 . 6 3% $2 . 4 2% $2 . 9 2% $3 . 5 $3 . 9 $4 . 6 $4 . 7 2 0 15 2 0 1 6 2 0 17 Noninterest - bearing Deposits 2 0 18 2 0 19 2 0 20 0 6 / 3 0 / 21 Interest - bearing Deposits Time Deposits Brokered Deposits Dep

  19. Slide 19: Loan Growth Driven by Commercial Lending

    $0 .5 $0 .7 $1 .0 $1 .3 $1 .5 $1 .7 $1 .7 $0 .6 $0 .9 $1 .1 $1 .6 $1 .8 $2 .1 $2 .2 $0.2 $0.2 $0.2 $0.1 $0.2 $0.2 $0.2 $0.1 $0.2 $0.1 $0.2 $0.1 $0.3 $0.1 $0.1 $0.1 $0.1 $0.1 $0.1 $2.1 $0.1 $2.6 $0.1 $1.5 $3.3 $3.7 $4.3 $4.4 2 0 15 2016 Commercial & Industrial 2017 Commercial RE 2018 Direct Fin. Leas

  20. Slide 20: Strong Capital Position

    20 CAPITAL POSITION Strong Capital Position 8 . 56% 8 . 14% 8 . 01% 8 . 13% 9 . 25% 9 . 40% 9 . 60% 13.91% 11.56% 11.15% 12.50% 13.33% 14.95% 14.77% 4 . 0 0% 6 . 0 0% 8 . 0 0% 10.00% 12.00% 14.00% 16.00% 2015 2016 2017 2018 2019 2020 6 / 30 / 20 2 1 TCE/TA RBC Ratio * *TCE/TA and TRBC ratios exclude

  21. Slide 21: Asset Quality

    ASSET QUALITY 21 82 . 0% 18 . 0% Nonaccrual Loans/Leases Other Real Estate Owned & Re p o ss e ss ed Assets Asset Quality Management remains focused on maintaining excellent asset quality and resolving problem assets. $10.1 million Classified Loans ($MM) & NPAs / Assets Nonperforming Assets Composit

  22. Slide 22: Strong Credit Culture Supported by High Levels of Reserves

    223% 145% 184% 605% 952% 193% 180% 183% 215% 214% 194% 404% 347% 435% 2019 Proxy Peers 2020 6/30/2021 1 . 45% 1 . 28% 1 . 16% 0 . 98% 1.98% 1 . 79% 1 . 20% 1 . 08% 1.04% 1.07% 1 . 03% 0 . 95% 1 . 53% 1 . 56% 2 0 15 2 0 16 2017 QCRH 2018 2019 2020 6/30/2021 2015 2016 2017 2018 Proxy Peers QCRH (1) Pr

  23. Slide 23: Strong Revenue Growth and Attractive Mix

    75% 75% 79% 77% 66% 59% 67% 25% 25% 21% 23% 34% 41% 33% $87 $110 $130 $167 $234 $257 2 0 15 2 0 16 2 0 20 (2) 6/30/2021 (1) 2017 2018 2019 Net Interest Income Noninterest Income Strong Revenue Growth and Attractive Mix Predictable and diversified fee income streams complement net interest income $ i

  24. Slide 24: Consistent Improvement in Shareholder Returns

    $21 $29 $36 $46 $59 $63 $2.66 $2.31 $1.99 $3.08 $3.66 $3.96 $5.12 2 0 15 2 0 16 2 0 17 2 0 18 2 0 19 2 0 20 6/ 3 0/2 0 2 1 (1 ) Consistent Improvement in Shareholder Returns 0.82% 1.03% 1.03% 1.06% 1.15% 1.08% 1.41% 2 0 1 5 2 0 1 6 2 0 17 (1) 2021 YTD data annualized. 2 0 18 2 0 19 2 0 2 0 6 / 3 0/

  25. Slide 25: Appendix

    Appendix 25

  26. Slide 26: Quad City Bank & Trust deposit market share

    QUAD CITY BANK & TRUST John H. Anderson, CEO Laura “Divot” Ekizian, President Assets: $2.1 Billion 1 (as of 6/30/21) Population: 382,268 Market Deposits: $9.1 Billion (1) Includes $241.5 million of the assets of m2 Equipment Finance, as this entity is wholly - owned and consolidated with the bank. S

  27. Slide 27: Community Bank & Trust and Community State Bank market share

    Source: FDIC deposit market share data as provided by S&P Global. Deposit and branch data is as of 6/30/20. * Dollars in millions. COMMUNITY BANK & TRUST Stacey J. Bentley, President & CEO Assets: $82 Million (as of 6/30/21 ) Population: 169,565 Waterloo/Cedar Falls MSA Market Deposits: $4.3 Billion

  28. Slide 28: SFC Bank deposit market share

    SFC BANK Monte C. McNew, President & CEO Assets: $850 Million (as of 6/30/21) Population: 467,912 Springfield, MO - MSA Market Deposits: $9.9 Billion Source: FDIC deposit market share data as provided by S&P Global. Deposit and branch data is as of 6/30/20. * Dollars in millions. Institution Name O

  29. Slide 29: QCR Holdings contact information

    3551 Seventh Street Moline, IL 61265 ww w . Q CRH. c om © Copyright 2021 QCR Holdings, Inc. All Rights Reserved

QCR Holdings — Investor Presentation (August 2021) on 6ix