Qcr Holdings, Inc. · NASDAQ:QCRH
Qcr — Q2 2020 Earnings Presentation
16 slides from Qcr's earnings presentation, Jul 27, 2020
Slide 1: COVID-19 Exposure Q2 2020
COVID-19 EXPOSURE Q2 2020 He
Slide 2: Forward-looking statements
This document contains, and future oral and written statements of QCR Holdings, Inc. (the “Company”) and its management may contain, forward - looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 with respect to the financial c ond ition, results of operation
Slide 3: Response: Client and Employee Safety Measures
• QCRH has transitioned employees back to the office as needed, with some continuing to work from home. • Most locations re - opened lobbies with social distancing measures in place • Protective barriers installed at all locations • Face masks provided to all employees for use when social distancing
Slide 4: PPP & LRP Participation
PPP & LRP Participation
Slide 5: Paycheck Protection Program (PPP)
Paycheck Protection Program (PPP) QCRH experienced robust client participation in the PPP. As of June 30: • Total number of PPP loans: 1,655 • Total dollar amount: $ 358MM This total includes the acquisition of new , highly desired clients in our existing markets: • Number of new client loans: 309 (
Slide 6: Supporting our Clients: QCRH Loan Relief Program
Supporting our Clients | QCRH Loan Relief Program Round 1 The QCRH LRP offered immediate payment relief to consumer and small business loan clients. • Offered 3 months of loan payment deferrals • Improved cash flow for clients without penalty Bank LRP participation, as of June 30: • Total number of
Slide 7: Bank Loan Relief Program (LRP) by Industry
LOAN RELIEF A breakdown of the industries participating in the LRP in Round 1: Industry Amount % of Loans in Industry Segment % of Total Loans All Investment Real Estate $250MM 17% 6.04% Retail (Including $24MM Automotive) $75MM 32% 1.81% Consumer $41MM 12% 0.99% Hotels $38MM 44% 0.92% Health Care a
Slide 8: QCRH Loan Relief Program (LRP) – Round 2
Supporting our Clients | QCRH Loan Relief Program As of July 24, we have had limited requests for a second deferral from clients. 5.4% of clients who participated in the first round have requested a second deferral. Bank LRP participation – Round 2: • Total number of loans: 14 • Total dollar amount:
Slide 9: Industry Concentration Disclosures
Industry Concentration Disclosures
Slide 10: Primary Industry Concentration Overview
PRIMARY The following industries were deemed higher risk in our commercial loan portfolio due to the COVID - 19 pandemic. As of June 30: Industry Amount % of Total Loans Hotels $87MM 2.10% Restaurants $41MM 0.99% Entertainment $31MM 0.75% Aviation $0MM 0.00% Energy $0MM 0.00% TOTAL $159MM 3.84% Prim
Slide 11: Hotel Exposure
Hotel Exposure As of June 30, QCRH hotel exposure was $87MM, or 2.10% of total loans. Overview in Our Markets • Hotels generally have seen improvement; occupancy ranging from 35% to 45% as some youth sports activities have resumed • Our portfolio has little reliance on conventions or large events •
Slide 12: Restaurant Exposure
Hotel Exposure As of June 30, QCRH full and limited - service restaurant exposure was $41MM, or 0.99% of total loans. Overview in Our Markets • Most restaurants have limited seating and continue to focus on carry out or drive - thru • Many restaurants with carry out and drive - thrus are performing
Slide 13: Arts & Entertainment Exposure
Entertainment Exposure As of June 30 , QCRH arts & entertainment exposure was $30MM, or 0.72% of total loans. Overview in Our Markets • Golf courses have experienced minimal impact • Recreation centers are open with restrictions • Many entertainment businesses have introduced online offerings, virtu
Slide 14: Secondary Industry Concentration | Retail
SECONDARY Secondary Industry Concentration | Retail As of June 30 , QCRH retail exposure was $236MM, or 5.70% of total loans. 14 Overview in Our Markets • Retail sales jumped 17.7% in May from a month earlier, much better than expected • General retail activity is starting to return • Automotive/tru
Slide 15: Secondary Industry Concentration | Retail Investment Commercial Real Estate
SECONDARY Secondary Industry Concentration | Retail Investment Commercial Real Estate As of June 30 , QCRH retail investment commercial real estate exposure was $144MM, or 3.47% of total loans. 15 Retail Investment Commercial Real Estate Number of Loans Amount % of Total Loans Multi - Tenant 77 $103
Slide 16: Retail CRE Non-Owner Occupied
Secondary Industry Concentration | Retail CRE Non - Owner Occupied 77 Multi - tenant properties with exposure of $103MM or 2.49% of total loans. Tenant Type Number of Loans Amount % of Total Loans Mixed 44 $64MM 1.55% National 12 $26MM 0.63% Independent 15 $10MM 0.24% Regional 6 $3MM 0.07% TOTAL 77