Qcr Holdings, Inc. · NASDAQ:QCRH
Qcr — Investor Presentation (June 2014)
38 slides from Qcr's investor presentation, Jun 17, 2014
Slide 1: 2014 Financial Presentation
IGS, INC. a'relationship driven organiz 2014 Financial Presentation
Slide 2: Forward-looking statements
GS, INC. ‘arelationship driven 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 bet of iy ‘These statements include, but are not limite to, descriptions of the financial condition
Slide 3: Forward-looking statements (continued)
GS, INC. ‘arelationship driven (ix) changes in the prices, value: te; (x) pts gee ‘competition from a wide variety of local, regional, national and other providers of tact n mt and jpsuranse services: (th Hele of mergers acqutions and svesnunas. Including without imitation, the roated fine and cost
Slide 4: Non-GAAP Financial Measures
R IGS, INC. HOLD! 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 ject to adjustments that
Slide 5: Table of Contents
HOLDINGS, INC. Table of Contents gr Who We Are... amos 8 Financial Information ................ 11 Focus Areas 2014 .....0..0... 16 Capital History and Plan............. 17 Strategic Advantages 19 Key Differentiators . Appendix
Slide 6: Investment Rationale
GS, INC. relationship d Investment Rationale ‘owned weapons manufacturing arsenal inthe U.S, Correspondent banking share as bigger banks go up-market Strong asset quality with NPA's / Assets of 1.2%
Slide 7: History of QCR Holdings, Inc.
HOLD! History of QCR Holdings, Inc. ‘Acsat as of Merch 31, 2014 *DeNove ‘Quad City Bank & Trust ~ Currently 1.27 Billion in Assets Quad City Bancard Formed ‘Cedar Rapids Bank & Trust® Rockford Bank & Trust® ~ Currently $346 Million in Assets First Wisconsin Bank & Trust® ~ Milwaukee, WL ‘Quad City B
Slide 8: Corporate Overview
Corporate Overview QGR Holdings, Inc. - Founded in 1993 Headquartered Moline, IL ‘SYMBOL $2.43 Billion in Assets $1.49 Billion in Loans $1.67 Billion in Deposits 13 Facilities Quad City Ba & Trust) @ rete = oa on Rockford Bank ust) ot m2 is LLC oO f Tr Shares Outstanding: 7.9 Million Ownership: Comp
Slide 9: Top MSAs / Iowa and Illinois
GS, INC. arelationship di Top 25 MSAs / lowa and Illinois egolett Mapes, Lin reer nats oes EA 25000 esas st ees A 12553 B Rok een Wl 730 Pow 8720 kd 88 cece 5268 Champa 4358 Sprnotls I. 4823 (tone Seater seco ewe iy. 1 S202 ‘iste Ceda Fas 1 960 Sonr Gay, WNESD 209 Bonington Nort 209 rs pas ~ 2075 i
Slide 10: Total Consolidated Assets
Total Consolidated Assets CAGR 1994-2013 24.00% ‘CAGR 1994-2007 32.26% CAGR 2008-2013 8.32% ‘ CRBT (2001) \ }&T (2005} \ Pada IN MILLIONS OF DOLLARS Dee Dee Deca 20.05 20.06 Dec o7 Dees Deo ee.10 Deo.tt Dee. Deo:
Slide 11: arelationship di
arelationship di eT a8 WH eT 2 ao ‘oct beung cepont= “te tect ey PTOTALUABLMESAND. si 77o45 Tea
Slide 12: Financial Results
C dC RR HOLDINGS, INC. arelationship di Netinterestincome Less: net income atinbutebe to non-contating interests Netincome atibutable to OCR Holdings, ne Diluted Eamings Per Shar (Aor Prefered Dividends) 2010 Ginthousands) 50682 49.64 ssa 8105, si6040 18567 15408 sr 4 asta aur 9937) (23.54) 60885) 6
Slide 13: Corporate Overview: Community National Bank
Corporate Overview Community National end Goma in 1997 Headquartered in Waterlo Acquired by QCRH May 13,2013. {COMMUNITY Govomuntry in assets $ 246 Million in deposits § 191 Million in loans Community National Bank Q4 2013, + Sale of Mason City Branches (823MM loans/S55MM deposits) + Sale of Austin
Slide 14: Stock Metrics
Stock Metrics Diluted EPS 2009-21 2014 ®TBVIShare w/o ACC! Pstock Price —TaVvishare 2009 2010 2011 2012 2013 Q1 2014 ($0.46) $0.53 $0.92 $1.85 $2.08 $0.40
Slide 15: Focus Areas for Improving Shareholder Value in 2014
Focus Areas for Improving Shareholder Value in 2014 Investor Relations plan Grow loans / leases Grow Wealth Management income Improve liquidity in our stock 1% ROAA
Slide 16: History of Capital Raises
GS, INC. HOLD! History of Capital Raises Private Placement of SIM in Preferred Stock at 9.75% Private Placement of $1.5M in Preferred Stock a 9.75% ‘Common Stock Split Gobet aN gs TRUPS) 2Common Stock Split Private Phacement of $3 eae ras adame Pooled Trust Prefered 3M Noting at Libor + uy back of 5
Slide 17: Capital Plan
Capital Plan * Continue to redeem SBLF organically. * Continue to grow TCE organically common shareholders ni “tal ouidel; TD.
Slide 18: The Strategic Value of our Separate Charters
R IGS, INC. ‘arelationship driven The Strategic Value of our Separate Charters centralized and efficient manner Credit quality better than peers Historie deposit growth better than peers Historic loan growth better than peers ealth Man JUSD: lending, and m2 Leasing
Slide 19: Key Differentiator: Correspondent Banking
GS, INC. ‘arelationship driven Key Differentiator: Correspondent Banking * Depth of product offerings: ~ Loan Participations - Bank Stock Financing st and Investment Services - Safekeeping Servic - Credit Card Services - Fed Funds Lines Towa and Wisconsin.
Slide 20: Key Differentiator: Group Operations
Key Differentiator: Group Operations relationship * Accounting — John Oakes i Kathy Francque ° Customer * Information Technology — Michacl Wyffels and John Rodriguez ¢ Internal Audit — Tim Harding Rand Westlund ° Loan Operations — Pam Goodwin i Sh
Slide 21: Key Differentiator: Wealth Management
R IGS, INC. ‘arelationship driven Key Differentiator: Wealth Management * As of March 3 59 Billion in and $634 Willen in Brokerage (and related) accounts. + Depth of product offerings: - Financial Planning - Asset Management - Trust Services is - Brokerage and RIA - Insurance - Family Office ca ~ Qu
Slide 22: Key Differentiator: SBA - USDA Lending
He IGS, INC. Key Differentiator: SBA - USDA Lending BA L the Fiscal Year Ending 9/30/13 Gir Baaeet qT lume) Riodicond Hale & ; 8th in the state of Illinois (# of loans) Fiscal Year Ending 9/30/12 dar Rapids Bank & Th +2013 USDA rankings will be released May 2014
Slide 23: Key Differentiator: m2 Lease Funds, LLC
Key pitorerea en m2 Lease Funds, LI Assets (n millons) PreTax Earnings Net Charge-offs to Leases 2008 $580 875851 “OMe = = srTsrae =n a = oe 2012 $1007 $967,182 ose 2or4at 1404 S 953501 0.08 % = Marine Equipment = Printing ~ Machinery/Machine ‘Tools - Office Technology + Health Care = Telecom ~ Bake
Slide 24: Thank You Today! Questions
Tnank Yo oday! Fo Questions
Slide 25: Appendix
OCR. HOLDINGS, INC. relationship driven organization* Appendix
Slide 26: Quad City Bank & Trust
Quad City Bank & Trust ma ae John H. Anderson, President & CE! Billion (as of 3/31/14) ponaters 380,858 Market Deposits: $7.3 Billion Top 3 bank with 10.7% market share and over $800 Milion Indeposs in Davenport Maine Rock sland MSA (50% of total deposits) Finalist 2013 and 2014 ~ Quad Cities Best P
Slide 27: Cedar Rapids Bank & Trust
Cedar Rapids Bank & Trust me Ne Larry J. Helling, President & CEO Assets: $819 Million* (as of 3/31/14) 60, Billion ‘Top 4 bank with 7.9% market share and over $400 Mfilion in deposits in Cedar Rapids MSA (25% of total deposits) 2014 Finalist ~ Coolest Place to Work in Cedar Rapids lajor Employers i
Slide 28: Rockford Bank & Trust
Rockford Bank & Trust Thomas D. Budd, President & CEO National & State Rankings, Rockford * Top 10 in the Most Affordable MSA's in America + Fastest growing metro market in the state of Illinois Market Depo: Billion ‘Top 10 bank with 4.0% market share and over $200 Millon in {deposits in Rockford MS
Slide 29: Community Bank & Trust
Community Bank & Trust Ggoumunrry BANK eri Waterloo-Cedar Fall: ‘Bp pnkwh 6 ma! tae en ra $140 Mien ysis in Cedar Rapids MSA (956 of total deposits) Major am go & Employers john Deere Wheaton Franciscan Healthcare 2 z Cabinets 1 Blue Zone Work Waterloo is one of 21 metro areas in the nation that are
Slide 30: Loan Portfolio Composition
rc R HOLDINGS, INC. relationship d ani Loan Fortolls comapesiteo rch 31, 2014 IN MILLIONS OF DOLLARS ‘TYPE Dollar Mix Percent Mix Commercial & Industrial $ aaa 30 %6 Non Owner Occupied Commercial Real Estate 3545 4 ‘Owner Occupied Commercial Real Estate 2685 18 Residential Real Estate 148.9 10 Direc
Slide 31: Peer Credit Analysis
relationship driven organi Peer Credit Analysis Non-Performing Assets / Assets NPAs /TOTALASSETS peor rou Giewa cue a ee. os roca —e—Wesian tap Pan Sr ag er 13 300 {inked Harel Soyo in 200 Garros font cc 200 iano a cs 10 eer ee vane (on emtapeg ie pane ea copes an i ton i Espiner oa ena ae 5 oe dow
Slide 32: Charge-Off Analysis
GS, INC. HOLD! Charge-Off Analysis soons01401 8) seta ee) restores) zerso10 (om) oo ie Pits aan ast een 8 Sut 20% ron ron nate 1% ie vasa tem te
Slide 33: Consolidated Securities Portfolio
ILD! 3, INC. QCR Holdings, Inc. Consolidated Securities Portfolio ‘Snapshot =As of 12.31.13 109: one ac * cross Sock Yid_RepiceT st Avene Fo) 6: "20.0 ea Ho ees) 2 4 . Corpor (Foes) u ones Compact os c a SF) 1283 1 ex: 3 (Pa) 4 « . Manica = Tec sonst ™ (sae Muriepa—Tasoio 8 @ SBA c ae ‘ea(Fea) Perce
Slide 34: Consolidated Wholesale Funding
GS, INC. ‘arelationship driven QCR Holdings, Inc. Consolidated Wholesale Funding Maron 34,2046 December 31,2013 rrowcna) own 231.380 ‘siructure groerenis 130.000 130,000 Total Whotesale Funaing $445,082 $425,280 Maron 31,2014 Ma December 1, 2012 ‘Weighted Average ” Meirteabnie _ Interest Rate at Int
Slide 35: Executive Management Team
LEFT To RIGHT (¥: aS Se QCR Holdings, Inc. Executive Management Team OUR MISSION: R Hold
Slide 36: Executive Management Team
Executive Management Team DOUGLAS M. HULTAUIST, CPA ‘wi COUCH rele nd chit xritve et dent end Chit Executive OM 56 Years in Banking /Financo! Serces = ue Fc uc. DANAL NICHOLS anking/Finanial Services 1 President, Chet Lencing Ofer, PLE, CPA LA Cover ap eit Tt Croan Executive Vice President 25 Years
Slide 37: Notes
rc R HOLDINGS, INC. relationship d ani Notes
Slide 38: 3551 Street, Moline, Illinois
3551 7 Street Moline, Illinois 61265 S, a relationship driven organization’