Qcr Holdings, Inc. · NASDAQ:QCRH
Qcr — Investor Presentation (June 2011)
29 slides from Qcr's investor presentation, Jun 22, 2011
Slide 1: QCR Holdings, Inc.
R . INC. HOLDINGS
Slide 2: Forward-Looking Statement
FORWARD-LOOKING STATEMENT 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 Statement - Continued
FORWARD-LOOKING STATEMENT - Continued (&) 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 of
Slide 4: Non-GAAP Financial Measures
mee: INC. NON-GAAP FINANCIAL MEASURES These slides contain non-GAAP financial measures. For purposes of Regulation G, a non-GAAP financial measure is @ numerical measure of the registrant's historical or future financial performance, financial position or cash flows that excludes amounts, or is subj
Slide 5: Table of Contents
no INC. arelationship driven organization® Table of Contents WIRGIWEIATE. vssncsesnsrasnransmcaaneacas OUPSIBEOY trercemcerereies FinanelalScccnne ere Strategic Advantages............... APPENG Xs ssssescwiserssanemessnsescaes
Slide 6: QCR Holdings Executive Management Team
QCR Holding financial services to businesses and individuals for whom Inc. will be the premier provider of relationships matter, in markets where we can excel LEFT TO RIGHT SEATED ROW 1 Vie Quinn RandWesthund SEATED ROW 2 Sil DeKeyser DougHultquist Cathie Whiteside John Anderson STANDING ROW 3 John
Slide 7: Executive Management Team
mee: Executive Management Team DOUGLAS M. HULTQUIST, CPA President and Chief Executive Officer 34 Years in Banking/Financial Services TODD A. GIPPLE, CPA Executive Vice President, Chief Operating Officer and Chief Financial Officer 26 Years in Banking/Financial Services JOHN H, ANDERSON President an
Slide 8: Corporate Overview
moe: INC. arrelationship driven organizatior Corporate Overview Foundedin 1993 Headquarteredin 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 (1)
Slide 9: Top MSAs / Iowa and Illinois
HOLDINGS, INC. Top 25 MSAs / lowa and Illinois ‘cheayowoe taper, soins es aso Santon, oat ‘wisi Me = ‘omata-conc Sk, NE gests uw 36 ee wane, semne © = Davportomerod wd Ha we 4 1 aia Bis e ee Pek s5u = 5 Seca Fa. ania = wo hasan, wae = no sping wee 2 6 taste pase 0 2 mae. eos B 2 atic Fe. 8 Rane @ Sb
Slide 10: History of QCR Holdings, Inc.
mee: INC. ionship driven o History of QCR Holdings. Inc. 1993 1994 2001 2005 2005 Founded by Mike Bauer and Doug Hultquist Quad City Bank & Trust* — Currently $1.04 Billion in Assets Cedar Rapids Bank & Trust? Currently $558 Million in Assets Rockford Bank & Trust* — Currently $272 Million in Assets
Slide 11: Peer Comparisons
mee: INC. arrelationship driven organization™ Peer Comparisons Assets Total Capital TCE Texas Ratio NPAs/Assets ROE Efficiency Price/Tangible Book QCR Holdings. Inc. $1.8 Billion 13.7% 3.56 Average $ 3 Billion 14.3% 6.38 58.8 43 (7) 64 14 Median $2.6 Billion 15.2% 6.87 35.3
Slide 12: Strategic Issues Impacting Market Value Per Share
mee: INC. ship driven o 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 13: Entity Wide 2011 Strategic Initiatives
mee: INC. Entity Wide 2011 Strategic Initi 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 raise Cont
Slide 14: Summary of Financial Results 2006-2011
mee: INC. Summary of Financial Results 2006-2011 Net interest income ‘Non-interest income Non-interest expense Pre-tax pre-provision Provision expense Income before taxes Income taxes Income from continuing operations * Not necessary a preicon of 2011 annua earings. $29,896 $34,352 $44,623 $50,662 $
Slide 15: Total Consolidated Assets
mee: INC. arelationship driven organization Total Consolidated Assets INMILLIONS OF DOLLARS CAGR 1994-2010 27.23% e CAGR 1994-2007 32.26% CAGR 2008-2010 7.54% e $2,000 $1,750 $1,500 $1,250 $1,000 $750 $500 $250 $o Dec-94 Dec-95 Dec-96 Dec-97 Dec-98 Dec-99 Dec-00 Dec-01 Dec-02 Dec-03 Dec-04 Dec-05 De
Slide 16: Total Consolidated Deposits
moe: INC. arelationship driven organization® Total Consolidated Deposits INMILLIONS OF DOLLARS $1,200 $1,000 $800 $600 $400 $200 $0 Dec-94 Deo-95 Dec-96 Dec-97 Deo-98 Dec-99 Dec-00 Dec-01 Dec-02 Dec-03 Dec-04 Dec-05 Dec-06 Dec-07 Dec-08 Dec-09 Dec-10
Slide 17: A Closer Look: Total Consolidated Deposits (2006-2010)
mee: INC. arelationship driven organization® A Closer Look: Total Consolidated Deposits (2006-2010) INMILLIONS OF DOLLARS $600 $500 $400 $300 $200 $100 $0 Dec.312006 Dec.31 2007 Dec.31 2008 Dec.31 2009 Dec.31 2010 ™ NON-INTEREST BEARING = INTEREST BEARING =CD's
Slide 18: Consolidated Loan Composition (2006-2010)
ane INC. Heiman Consolidated Loan Composition (2006-2010) INMILLIONS OF DOLLARS $600 = COMMERCIAL/INDUSTRIAL $500 = COMMERCIAL REAL ESTATE “LEASES $400 ™ RESIDENTIAL REAL ESTATE = INSTALLMENT $300 $200 $100 $0 Dec.31 2006 Dec.312007 Dec.312008 Dec.312009 Dec.31 2010
Slide 19: Loan Portfolio Composition
Loan Portfolio Composition March 31 2011 INMILLIONS OF DOLLARS TP I Commercial & Industrial $3575 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 Real Estate
Slide 20: Strategic Advantages
moe: INC. 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 share in Quad
Slide 21: Key Differentiator: Correspondent Banking
mee: INC. Key Differentiator: Correspondent Banking * Uniquely positioned due to veteran Correspondent bankers on our team + Uniquely positioned with software, systems and processes + Well positioned with product offerings: + Online CashManagement —_- Image Cash Letter System - Loan Participations -
Slide 22: Key Differentiator: Wealth Management
mee: INC. Key Differentiator: Wealth Management + As of December 31, 2010: $782MM in Trust (and related) accounts — $272MM in Brokerage (and related) accounts. Over $1 Billion Total + Uniquely positioned due to our veteran team of Wealth Management professionals + Uniquely positioned with software,
Slide 23: | Al Gl ial Sour lime OM
| Al Gl ial Sour lime OM oS CCR HOLDINGS, INC. lationship driven organization” |
Slide 24: Appendix
Hk INC. arrelationship driven organization” Appendix
Slide 25: Peer Credit Analysis Graphs: NPAs / Assets
OCR HOLDINGS, INC. arelationship driven organizatioi i i us sh Peer Credit Analysis Graphs NPAs / Assets Peer Group: Od Second Bancorp, nc. osse 1301 MacetawaBank Corgortion CBC 903 Southwest Bencem, nc. oKse 29 Mercantile Bancorp, ne MER 839 Mercantile Bank Corporation Meni 520 Baylake Corp. Buk 52
Slide 26: Peer Credit Analysis Graphs: NPAs / Loans + OREO
HOLDINGS, INC. Peer Credit Analysis Graphs NPAs / Loans + OREO PAS! wsritution TICKER voawssorlt! Peer Groupe olasecend Bancorp nc oss 1523 Dercontilebancop, ne BR a MacstaicaBank Corporation ce 159 0% Southives Boncop, Inc on 1051 ors Bayle Corp. Bik 20 soe Tara, wc 12 pes 1B Financ, ne mer Mercant
Slide 27: Peer Credit Analysis Graphs
OCR HOLDINGS, INC. inship driven organi arelat Peer Credit Analysis Graphs NCOs/ Average Loans Provision Expense / NCOs —s-acrH = —+—Peertiean —s-acrH = —+—Peertean a sam on 20 mor fa mor oom am oon | BB eRe 2 8 8 BS 22288 22226 & 8 8 &@ 8 R ARR A #8 8 § F & ss FR —=-QCRH = —+—PeerMean ‘Source: KBWS
Slide 28: Peer Analysis 2011 Q1
mee: INC. arelationship driven organization® Peer Analysis 2011 Q1 SS Cepechensoren Gop ae poemtecaeney ve Protec se (cys me tron ‘ronan Corrtan imo ‘Source: SNL Financial, data forthe quarterended 391/11 Note: Texas aio equalto (NPAs + Loans90Days Past Due) (Tangible Common Equity +Loan LossReserve
Slide 29: Book Value of Common Stock Vs. Fair Market Value
mee: INC. Book Value of Common Stock Vs. Fair Market Value ML MILLIONS OF DOLLARS. $100 $90 $80 $70 $60 $50 $40 $30 $20 $10 $0 Dec98 Dac8 Deco Dac96 Dec97 DECBE DEc99 Dec0O DEO Dec? DecOd DacOs DecOS Dacs Dacl7 Decl Dec09 DacIO sBookValue of Stock —m Fair Market Value Ez