Qcr Holdings, Inc. · NASDAQ:QCRH
Qcr — Corporate Update (April 2020)
12 slides from Qcr's corporate update, Apr 28, 2020
Slide 1: COVID-19 Related Disclosures
April 28, 2020 COVID - 19 - Related Disclosures
Slide 2: Forward-Looking Statements
Forward - Looking Statements This document contains, and future oral and written statements of QCR Holdings (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 financ ial conditio
Slide 3: Our COVID-19 Response
Our COVID - 19 Response • QCRH has fully implemented its Business Continuity Plan • All locations remain open with standard banking services offered through online/mobile banking, drive - up access and limited lobby access • Keeping our employees and clients safe through alternative work practices:
Slide 4: Supporting our Clients | QCRH Loan Relief Program
Supporting our Clients | QCRH Loan Relief Program The QCRH Loan Relief Program (LRP) offers immediate payment relief to consumer and small business loan clients. • Offers 3 months of loan payment deferrals • Improves cash flow for clients without penalty LRP participation as of April 24: • Total num
Slide 5: Paycheck Protection Program (PPP)
Paycheck Protection Program (PPP) QCRH has experienced robust client participation in the Paycheck Protection Program (PPP). As of April 24, 2020: • Total number of PPP loans: 1,300 • Total dollar amount: $333MM Our focus on providing superior service has led to opportunities to attract new, highly
Slide 6: Primary Industry Concentration Overview
Primary Industry Concentration Overview With the volatile market conditions due to the COVID - 19 Pandemic, we are providing additional information about our commercial loan portfolio as of Dec. 31, 2019 as it relates to the following primary industries : Industry Amount Percent of Total Loans Hotel
Slide 7: Hotel Exposure
Hotel Exposure • As of Dec. 31, 2019, QCRH hotel exposure is $67MM or 1.81% of total loans • 32 total loans • 10 national upscale/luxury loans , $29MM or 0.78%; 3 with conference centers • 21 national midscale/economy loans, $ 30MM or 0.81% • 1 independent hotel loan, $8MM or 0.22% • Two facilities
Slide 8: Restaurant Exposure
Restaurant Exposure • As of Dec. 31, 2019 , QCRH restaurant exposure is $47MM or 1.27% of total loans • 88 total restaurant loans • 35 full - service restaurants, $19MM or 0.51% in total loans, 20 are franchises • 53 limited - service restaurants, $28MM or 0.76% in total loans, 43 are franchises • L
Slide 9: Entertainment Exposure
Entertainment Exposure • As of Dec. 31, 2019 , QCRH entertainment exposure is $21MM or 0.57% of total loans • 19 fitness and recreation centers, $9MM or 0.24% of total loans • 7 golf courses, $7MM or 0.19% of total loans • 5 bowling centers, $ 5MM or 0.14% of total loans 9
Slide 10: Secondary Industry Concentration | Retail
Secondary Industry Concentration | Retail Below is additional information about our secondary industry concentration related to our retail exposure, as of Dec. 31, 2019 . Retail Amount Percent of Total Loans Non - owner Occupied CRE $171MM 4.63% Owner Occupied CRE $32MM 0.87% C&I Retail $12MM 0.33%
Slide 11: Secondary Industry Concentration | Retail CRE Non-Owner Occupied
Secondary Industry Concentration | Retail CRE Non - Owner Occupied 90 Multi - tenant properties with exposure of $127MM or 3.44% of total loans 46 Single - tenant properties with exposure of $44MM or 1.2% of total loans Tenant Type Number Amount Percent of Total Loans Mixed 49 $80MM 2.17% National 1
Slide 12: Credit line utilization trends
0.00 200,000,000.00 400,000,000.00 600,000,000.00 800,000,000.00 1,000,000,000.00 1,200,000,000.00 1,400,000,000.00 1,600,000,000.00 1,800,000,000.00 Total Drawn on lines QCRH Line of Credit Usage - Revolving LOCs Total Lines of Credit Total Amount Drawn Credit line utilization trends • Line usage i