Qcr Holdings, Inc. · NASDAQ:QCRH
Qcr — Raymond James U.S. Bank Conference 2013
31 slides from Qcr's conference presentation, Aug 22, 2013
Slide 1: 2013 Financial Presentation
2013 FINANCIAL PRESENTATION Raymond James ° U.S. Bank Conference Chicago, Illinois gust 22, 2013 HOLDINGS, INC.
Slide 2: Forward-looking statements
HOLDINGS, INC. relation: to, descriptions of the financial condition, results of operations, asset and credit quality trends, profitability, projected earnings, future plans, strategies and expectations of QCR Holdings Inc. (the “Company”). The assumption: “anticipate, f the Company, a of “tatieate
Slide 3: Forward-looking statements (continued)
HOLDINGS, INC. competition from a wide variety of local, regional, national and other providers of financial, investment and the related time and costs of implementing or other conflict including hurricanes, storms, droughts, tornad and flooding it ; i Commission, parti “Risk Factors” i » 2012. stat
Slide 4: Non-GAAP Financial Measures
HOLDINGS, INC. 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 i
Slide 5: Table of Contents
uae INC. arrelationship driven organization” Table of Contents Who We Are 6 Financial Information .. woe 9 Focus Areas for 2013 & 2014 ...... 13 Capital Plan .. litttttstteeeee 14 Strategic Advantages .. vee 15 Key Differentiators .................... 16 Appendix 21
Slide 6: History of QCR Holdings, Inc.
2 Q 3 History of QCR Holdings, Inc. 2007 First Wisconsin Bank & Trust* — Milwaukee, WI 2008 2008 Milwaukee, WI 2012 ) T Funds, LLC - Currently $121 Million in Assets 2013 y y National Bank § 5 Assets as of June 30, 2013 “De Nove Cs
Slide 7: Corporate Overview
arela Corporate Overview QCR Holdings, Inc. - Founded in 1993 Headquartered in Moline, IL SYMBOL - QCRH $2.45 Billion in assets $1.53 Billion in loans $1.72 Billion in deposits 18 Facilities Quad City Bank & Trust (6) m2 Lease Funds LLC (1) Community National Bank (8) Shares Outstanding: 5.8 Million
Slide 8: Top MSAs in Iowa and Illinois
HOLDINGS, INC. Top 25 MSAs / lowa and Illinois 59-JltNpenil, Li 318797 2 st 2401408 096% 87427 21.59% Som tooe noe pers * 2018704 119 51.297 1828 ‘Omaha-Coune But, NEA 23624 ‘ersa72 500 52378 1929 Des inssiest Des Moines 1A 13300 731 55.339 2238 DDaverportMoine-Rock sland AL 7.868 4 090 45,469 2098
Slide 9: Total Consolidated Assets
HOLD IGS, INC. relationship driven organization Total Consolidated Assets CAGR 1994-2012 24.77% ‘CAGR 1994-2007 32.26% CAGR 2008-2012 6.86% N CNB (2013) ) CRBT (2001) \ &T (2005) id e098 oec99 eco Dect Deco2 Dect Dec.04 oec05 Dee eco? Dex! Dect Dee. Beet Dee: sine 18 IN MILLIONS OF DOLLARS
Slide 10: Summary of 2013
HOLD! IGS, INC. relationship driven organization Summary of 2013 2009 2010 2011 2012 @2YTD 2013 Net interest income $50,662 $49,864 954,145 $57,649 $29,899 interest income 15,547 15,406 17,462 16,621 12,153 * lon-interest ex, (46,937) (48,549) (80,993) (82,259) (29,193)** fe-tax pre-provision 19,272
Slide 11: Corporate Overview: Community National Bank
Corporate Overview Community National Bank Founded in 1997 Headquartered in Waterloo, IA Acquired by QGRH May 13,201 §.COMMUNITY SAS Community National Bank Q4 2013 Resulting Proforma Cedar Rapids Bank & Trust $ 800 Million in assets $ 570 Million in deposits § 246 Million in deposits (826MM loans/$
Slide 12: Recent Stock Metrics
relation: HOLDINGS, INC. Recent Stock Metrics $17.00 $15.00 $13.00 $11.00 $9.00 $7.00 Diluted EPS 2009 2010 2011 ($0.46) $0.53 $0.92 *For the six months ended June 30, 2013 2012 $1.85 2013 $1.08" -©=TBV/Share wio AOC! Stock Price ©-TBWShare
Slide 13: Focus Areas for 2013 and 2014
wt INC. arrelationship driven organiz Focus Areas for 2013 and 2014 Ce NAAR wD Meet EPS expectations Rasta ae Maximize SBA/USDA gains on loan sales Grow Wealth Management income Improve liquidity in our stock Drive down efficiency ratio Jeem Small Business Lendi { 1 stock
Slide 14: Capital Plan
Capital Plan * Continue to redeem SBLF organically. . ~ aye 7 “b] 4 1 pital to benefit common shareholders. oy ar * Our capital plan i i ith egulatory capi i
Slide 15: Strategic Advantages
LD) HOLDINGS, INC. Strategic Advantages , local decisions, local olutions centralized and efficient manner * Credit quality better than peers + Historic growth better than peers + Top 10 Deposit market share in Rockford sing Opportunities in Correspondent Banking, Wealth Management, SBA/USDA lending
Slide 16: Key Differentiator: Correspondent Banking
HOLDINGS, INC. arrelationship driven organizati y Di rt eonking Goneependent Bankin: quely p' team. + Depth of product offerings: - Loan Participations - Bank Stock Financing - Credit Card Services - Fed Funds Lines ly iti i ities in Illi Towa and Wisconsin. 5 ionshi date with Total its of $ 3 teres
Slide 17: Key Differentiator: Wealth Management
arrelationship driven organizati Key Differentiator: Wealth Management + As of June 30, 201 tely $1.3 Billion in Pp y teran team iquely p * Depth of product offerings: -Finaneial Planning —_- Asset Management - Trust Services - Estate Planning - Brokerage and RIA - Insurance - Family Office ~ Qualif
Slide 18: Key Differentiator: SBA - USDA Lending
f) arrelationship driven organizati Key Differentiator: SBA - USDA Lending °SBAL the Fiscal Year Ending 9/30/12: d City Bank & Trust - 8th in th ‘olume) - Cedar Rapids Bank & Trust - Ist in the state of Iowa for I olume) - Rockford Bank & Trust - 11th th ‘olume) Fiscal Year Ending 9/30/1 th ‘olume)
Slide 19: Questions
T ia | AK, YOU, Questions
Slide 20: Appendix
iS, INC. 1 OK arelationship driven organization’ Appendix
Slide 21: Quad City Bank & Trust
arela morganizat HOLDINGS, INC. Quad City Bank & Trust National Rankings — Quad Cities United States. + Alcoa (Quad Cities) is the world’s premier aerospace supply» ple nt = the hub of Alcoa's $38 aerospace ket Deposits: $7.3 Billion . _ art, Moline, Rock Island MSA - located on the Isso Ror cost of
Slide 22: Cedar Rapids Bank & Trust
arela norganiza HOLDINGS, INC. Cedar Rapids Bank & Trust ean me lelling, President & CEO is: $619 Million population 260,031 Market Deposits: $4.7 Billion Cedor Rapids MSA Major Employers Rockwell Collins ‘Aegon USA St. Lukes Hos; Mercy Medical Center Whirlpool Corporation Kirkwood Community College
Slide 23: Rockford Bank & Trust
HOLD! nship driven organiza arela jon’ Rockford Bank & Trust ROCKFORD Budd, President & CEO homas D. Assets: west Million National & State Rankings, Rockford + Top 10 in the Most Affordable MSA's in America Market Deposits: $5.2 Billion Rockford MSA Major Employer: pattie fais bese District rd Memor
Slide 24: Community National Bank
jon’ a'relationship driven organiz Community National Bank ‘£ COMMUNITY Assets: $277 Million opilatons 168,75: Market Deposits: $3.57 Billion Waterioo-Cedar Falls, MSA Major Employers John Deere Wheaton Franciscan Healthcare Host Ne University ot Note Target Re ie, CBE Companies, Inc. Bertch Cabinet
Slide 25: Loan Portfolio Composition
nee INC. relationship driven organization Loan Portfolio Comp June osition 30, 2013 IN MILLIONS OF DOLLARS PE Dollar Mix Percent Mi Commercial & Industrial $ 470.4 31% Non Owner Occupied Commercial Real Estate 409.1 7 ‘Owner Occupied Commercial Real Estate 266.9 7 Residential Real Estate 143.1 9 Dir
Slide 26: Peer Credit Analysis
IGS, INC. HOLD: k Peer Credit Analysis ing Assets / Asset N INSTITUTION. TICKER NPAs /ASSETS % NPAs / TOTA\ Peor Group: an Pn UO be BILE 1 Groat Souther sec 3 a — ey euse ‘ 3.00 7 Entepine nancial Services Corp —«EFSC 1 280 +} Laken Financit Gorpraion KEN 1 st Financial Corporation THEE 2 2.007 Main
Slide 27: Charge-Off Analysis
[OLDINGS, INC. relationship driven organization Charge-Off Analysis 2008201321 (0) estar om) ‘as107¢%) 207201801 GOO) on ‘ack HOLDINGS, INC. AND SUBSIDIARIES: iy aad Canty 3p oven 2am sat 2am Cote Raps dar ast Compey ops 29,19 34998 pore 2a, Source: SNL Financial ata 05 of March 31,2013,
Slide 28: Securities Portfolio Snapshot
S, INC. arrelationship driven organization” QCR Holdings, Inc. ‘Snapshot =As of 630-12 Par vaio (0005) Book Value (008) Mail Vue (600 Unreatzed Gain faves cos gn) Rectan oe Gains a Percentof Book Value ‘had Grete Spee) Yate mam om rage if Projected Speeds) Percemin srecting Securing Duraten Pe ‘Aera
Slide 29: Management Team
LEFT TO RIGHT Back Row (toning) Rand Westlund John McEvoy Charlie Bullock Lary Helling Doug Hultquist Tom Budd Bill Tank — ent Team OUR MISSION: QCR Holding: financial services to businesses and
Slide 30: Executive Management Team
HOLD! IGS, INC. relationship driven organization Executive Management Team DOUGLAS M. HULTQUIST, CPA President and Chief Executive Officer 35 Years in Banking/Financial Services janking/Financial Servi STACEY J. BENTLEY President and Chief Executive Officer, Community National Bank 33 Years in Banki
Slide 31: QCR Holdings contact information
OCR HOLDINGS, INC. shi ae acm pace 265 Moline, I www.qcrh.com
QCR Holdings — Raymond James U.S. Bank Conference 2013 on 6ix