Qcr Holdings, Inc. · NASDAQ:QCRH

Qcr — Investor Presentation (October 2021)

33 slides from Qcr's investor presentation, Oct 27, 2021

  1. Slide 1: Investor Presentation Updated October 27, 2021

    I n v e s t o r P r e s e n t a t i on U pd a t e d O c t o b e r 27 , 2021

  2. Slide 2: Forward-Looking Statements

    F O R W A R D - L OO K I N G S T A T E M E N T S This document (including information incorporated by reference) contains, and future oral and written statements of the Company and its management may contain, forward - looking statements, within the meaning of such term in the Private Securities Lit

  3. Slide 3: How We're Different

    QCR Holdings, Inc. HOW WE’RE DIFFERENT 3

  4. Slide 4: QCR Holdings: A business model that works

    4 QCR Holdings (NASDAQ: QCRH) | Founded in 1993 C OM P A N Y A b u s i n e s s m o d e l t h a t w o r k s . x Local charter autonomy with support from c e n t r a l iz e d g r o u p o p e r a t i o n s x Agile and responsive to client needs x A tt r a c t s t h e b e s t b a n k e r s a n d b e s t

  5. Slide 5: Exceptional Growth in Key Financial Metrics

    5 R E S U L T S E x c ep t i o n a l G r o w t h i n K e y F i n a n c ia l M e t r i c s In the last five years, our company has doubled in size and delivered consistent, steady g r o w t h - o u t p e r f or m i n g m a n y o f o u r p ee r s . * Y T D R e s u l t s A nn u a l i z e d C A G R = C

  6. Slide 6: How is QCRH different? Our niches drive outstanding results

    6 How is QCRH different? Our niches drive outstanding results. • F i d u c i a r y s e r v i c e s • Investment m a n a g e m e n t s e r v ic es • F i n a nc i a l p l a nn i ng • B r o k er a g e s e r v ic es • 9/ 30/ 2 1 A U M : $5 . 1B • C o m p e t i t i v e d e po s it p r od u c t s w i t h

  7. Slide 7: A Complex and Profitable Business: Specialty Finance Group

    7 A C o m p l e x a n d P r o f i t a b l e B u s i n e ss : S p e c ia l t y F i n a n c e G r o u p SF G N I C H E With decades of experience, our team has navigated the complexity of the municipal and tax credit financing space – creating a sustainable and profitable business at QCRH. O u r S F G

  8. Slide 8: Specialty Finance Group Growth

    8 A C o m p l e x a n d P r o f i t a b l e B u s i n e ss : S p e c ia l t y F i n a n c e G r o u p SF G G R O W TH $491.8 $657.3 $863.3 $1,157.7 $1,632.3 $2,115.6 $0 $500 $1 , 000 $1 , 500 $2 , 000 $2 , 500 2016 2017 2020 9/30/2021 2018 2019 L o an a n d B o n d Ba l a n c e s L o a n a n d B o n

  9. Slide 9: A Broad Scope of Wealth Management Services

    9 A Broad Scope of Wealth Management Services W M S C O P E The ultimate relationship business, our wealth management structure and extensive s c o p e o f s e r v i c e s ca te r t o o u r c l i e n t s ’ n ee d s . W e a l t h M a n a g e m e n t & T r u s t S e r v i c es • I n v e s t m e n t m

  10. Slide 10: Diverse and Growing Client Relationships

    1 0 Diverse and Growing Client Relationships W M G R O W TH $8 . 2 $9 . 9 $11 . 3 $12 . 0 $12 . 6 $15 . 2 $0 $12 $10 $8 $6 $4 $2 $16 $14 2016 2017 2019 2018 Revenue * 202 1 d at a a n n u a l i z e d . A l l d at a ex c l u d e s B at e s a n d R B & T . R ev e n u e ( $ MM ) 2020 9/30/2021 * $1.8 $

  11. Slide 11: Correspondent Banking

    11 C o r r e s p o n d e n t B a n k i ng CORRESPONDENT Our strong Correspondent Banking business provides significant liquidity to fund loan and bond growth. $325.9 $157.7 $277.4 $335.9 $187.2 $200.5 $182.0 $123.9 $322.9 $425.9 $253.9 $270.8 $255.3 $294.0 $631.9 $1,333.7 $1,286.8 $0 $500 $1 , 000 $

  12. Slide 12: Our Markets

    1 2 QCR Holdings, Inc. OUR MARKETS Vibrant Commercial and Industrial Activity

  13. Slide 13: We do business in vibrant markets

    13 MARKETS We do business in vibrant markets. R o b u s t c omm e r ci a l , i n d u st r i a l a n d t e c hn o lo g y a c t i v it y R e l a ti o n s h i p s m a tt e r a n d d i f f e r e n ti ate u s f r om b i g b a n ks M i d - si z e d m e t r o s 200 K - 500 K p o p u l a t i o n M S As Ab i

  14. Slide 14: Strong Market Share in Attractive MSAs

    14 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. Source: S&P Global Market Intell

  15. Slide 15: Our Charters at a Glance

    15 G R O W T H O u r C h a r t e r s a t a G l a n c e Entity S tate s / R e g i o n # L o c at i o n s Deposits Ma r k e t S ha re I o w a / I ll i n o i s Q u a d C i t i e s 5 $1.8B #1 Iowa C e d a r R a p i ds 5 $1.2B #1 Iowa C e d a r V a ll e y 3 $0.2B #7 Iowa D e s M o i n e s / A n k e ny 9

  16. Slide 16: Who We Are

    1 6 QCR Holdings, Inc. WHO WE ARE Focused on the Right Things

  17. Slide 17: Our Mission, Vision and Values

    1 7 W H O W E A R E O u r M i s s i o n , V i s i o n a n d V a l u e s O u r V isi o n E x c e pt i o n a l p e o p le p r o v i d i n g e x t r a o r d i n a r y p e r f o r m a n c e f o r o u r c l i e n t s , sh a r e h o l d e r s a n d communities. O u r M issi o n W e m a k e f i n a n c i a

  18. Slide 18: Environmental, Social and Governance Highlights

    C OMM I T M E N T Environmental, Social and Governance Highlights Environmental R e s p o n s i b l e u s e o f o u r r e s o u r c e s w i t h a f o c u s o n s u s t a in a b i l i t y Social C o mmi t me n t t o s u p po r t t h e c omm un i t i e s i n w hi c h w e l i v e a nd w o r k Governanc

  19. Slide 19: Our Strategy for Long-Term Success

    1 9 S T R A TE G Y O u r S t r a t e g y f o r L o n g - T e r m Su cc e s s W e ’ v e s e t a s i m p l e a nd f o c u s e d s t r a t e g y f o r o u r f u t u r e . 9 - 6 - 5 is our plan to continue to grow earnings and drive attractive long - term returns for our shareholders. 9 – G r o w l o an

  20. Slide 20: Financial Highlights

    2 0 QCR Holdings, Inc. FINANCIAL HIGHLIGHTS

  21. Slide 21: Asset Growth

    2 1 A SS E T G R O W TH $2 . 2 $2 . 9 67 . 6 % 71 . 9 % 73 . 8 % 75 . 0 % 75 . 2 % 74 . 8 % $6.0 $5.7 $4.9 $4.4 $3.5 76 . 5 % 20 1 5 20 1 6 20 1 7 20 1 8 20 1 9 20 2 0 9/30/2021 T o t a l A ss ets T o t a l L o a ns & L e a se s / T o t al A sse t s A C o n s i s t e n t T r a c k R e c o r d o f A

  22. Slide 22: Loan Growth Driven by Commercial Lending

    2 2 $0.5 $0.7 $1.0 $1.3 $1.5 $1.7 $1.6 $0.6 $0.9 $1.1 $1 . 6 $1 . 8 $2 . 1 $2 . 5 $0 . 2 $0.2 $0.2 $0 . 1 $0 . 1 $0 . 1 $0 . 1 $0 . 1 $0 . 2 $0 . 2 $0 . 2 $0 . 2 $0 . 3 $0 . 1 $0.1 $0.2 $0 . 1 $0 . 1 $0 . 1 $0 . 1 $1. 5 $2. 1 $2. 6 $3. 3 $3. 7 $4. 3 $4. 6 $0.1 2015 09/30/ 21 2016 C o m m e rci al &

  23. Slide 23: Deposit Growth Driven by Core Deposits

    2 3 34% 31% 25% 20% 20% 25% 28% 48% 52% 60% 57% 62% 65% 63% 15% 15% 13% 16% 16% 10% 9% 2% 2% 7% 2% $1.6 3% $2 . 4 $2 . 9 $3 . 5 $3 . 9 $4 . 6 $4 . 9 2015 2018 2019 2020 09/30/ 21 2016 2017 N o n i n t e r e s t - b e a r i n g D e p o s i t s I n t e r es t - b e a r i n g D e p o s i t s T i me D e

  24. Slide 24: Strong Capital Position

    2 4 C A P I T AL P O S I T I ON S t r o n g C a p i t a l P o s i t i on 8.56% 8.14% 8.01% 8.13% 9.25% 9.40% 9.47% 13 . 91 % 11 . 56 % 11 . 15 % 12 . 50 % 13 . 33 % 14 . 95 % 14 . 51 % 6.00% 4.00% 8.00% 10 . 00 % 12 . 00 % 14 . 00 % 16 . 00 % 2015 2016 2017 2019 2020 9/30/2021 T C E / TA 2018 R B C

  25. Slide 25: Asset Quality

    2 5 A SS E T Q U A L I T Y 100. 0 % 100% Nonaccrual L o a n s / L e a se s 0 % O t h e r R e a l E s t a te O w n e d & R e p o ss e ss e d Assets A ss e t Q ua l i t y $6 . 8 m i ll i o n Classified Loans ($MM) & NPAs / Assets Nonperforming Assets Composition as of 9/30/21 $28 . 0 $49.0 $43 . 7 $28

  26. Slide 26: Strong Credit Culture Supported by High Levels of Reserves

    223% 145% 404% 605% 193% 180% 184% 183% 215% 214% 194% 347% 456% 2 0 15 2 0 16 2 0 17 2020 9/30/2021 2 0 18 QCRH 2019 P r o x y P e e r s 1 . 45 % 1 . 28 % 1 . 16 % 0 . 98 % 1 . 20 % 1 . 08 % 1 . 07 % 1.04% 1 . 03 % 0 . 95 % 1.98% 1.75% 1 . 61 % 1.53% 2 0 15 2 0 16 2020 9/30/2021 2017 Q C R H 2 0 18

  27. Slide 27: Strong Revenue Growth and Attractive Mix

    2 7 75% 75% 79% 77% 66% 59% 63% 25% 25% 21% 23% 34% 41% 37% $8 7 $11 0 $13 0 $16 7 $23 4 $27 9 2015 2016 2020 2017 2018 N e t I n te re s t I n c o m e S t r o n g R e v e nu e G r o w t h a n d A tt r a c t i v e M i x Predictable and diversified fee income streams complement net interest income. $

  28. Slide 28: Consistent Improvement in Shareholder Returns

    2 8 $21 $29 $36 $46 $59 $63 $2.31 $1.99 $2.66 $3.08 $3.66 $3.96 $6.07 2 0 1 5 2 0 1 6 2 0 17 2 0 18 Consistent Improvement in Shareholder Returns 0.82% 1.03% 1.03% 1.06% 1.15% 1.08% 1.66% 2015 2016 2017 2018 2019 R et u r n o n A v er a g e A ss et s 72.8% 64.9% 66.5% 64.8% 66.2% 54.1% 54.6% 2 0 15

  29. Slide 29: Appendix

    2 9 QCR Holdings, Inc. APPENDIX

  30. Slide 30: Quad City Bank & Trust

    QUAD CITY BANK & TRUST John H. Anderson, CEO Laura “Divot” Ekizian, President Assets: $2.1 Billion 1 (as of 9/30/21) Population: 382,268 Market Deposits: $10.4 Billion (1) Includes $241.5 million of the assets of m2 Equipment Finance, as this entity is wholly - owned and consolidated with the bank.

  31. Slide 31: Community Bank & Trust market share

    Source: FDIC deposit market share data as provided by S&P Global. Deposit and branch data is as of 6/30/21. * Dollar s in m illion s . COMMUNITY BANK & TRUST Stacey J. Bentley, President & CEO A sse t s : $8 4 M illi o n ( a s o f 9 / 30 / 21 ) Population: 168,461 Waterloo/Cedar Falls MSA Market Dep

  32. Slide 32: SFC Bank market share

    SFC BANK Monte C. McNew, President & CEO Assets: $880 Million (as of 9/30/21) Population: 475,220 Springfield, MO - MSA Market Deposits: $14.6 Billion Source: FDIC deposit market share data as provided by S&P Global. Deposit and branch data is as of 6/30/21. * Dollar s in m illions. Institution Name

  33. Slide 33: Contact: 3551 Seventh Street, Moline, IL

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

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