Qcr Holdings, Inc. · NASDAQ:QCRH
Qcr — Q1 2021 Earnings Presentation
10 slides from Qcr's earnings presentation, Apr 27, 2021
Slide 1: QCR Holdings, Inc. COVID-19 Exposure Q1 2021
QCR HOLDINGS, INC. COVID-19 Exposure Q1 2021
Slide 2: Forward-Looking Statements
A number of factors, many of which are beyond the ability of the Company to control or predict, could cause actual results to differ materially from those in its forward-looking statements. These factors include, among others, the following: (i) the strength of the local, state, national and interna
Slide 3: PPP & LRP Participation
PPP & LRP Participation 3
Slide 4: Paycheck Protection Program (PPP)
Paycheck Protection Program (PPP) QCRH originated 2,394 PPP loans, totaling $451MM to date. • As of March 31, 2021, 1,102 of these loans, totaling $207MM, were forgiven. • In 2021, QCRH originated 696 PPP loans, totaling $93MM. • New PPP clients have resulted in more than $80MM of additional new loa
Slide 5: Supporting our Clients | QCRH Loan Relief Program
Supporting our Clients | QCRH Loan Relief Program The QCRH LRP offered immediate payment relief to consumer and small business loan clients. • As of March 31, 2021, there were $7MM, or 0.16% of total loans and leases still on deferral. • This is down from $28MM, or 0.66% of total loans and leases on
Slide 6: Bank Loan Relief Program (LRP) by Industry
LOAN RELIEF A breakdown of the industries for deferrals: Bank Loan Relief Program (LRP) by Industry 6 Industry Deferrals as of Dec. 31, 2020 Deferrals as of March 31 , 2021 Total Amount (in millions) % of Total Loans/Leases Total Amount (in millions) % of Total Loans/Leases % of Loans in Industry Se
Slide 7: Trends in Criticized and Classified Loan Totals
Supporting our Clients | QCRH Loan Relief Program Trends in Criticized and Classified Loan Totals ASSET QUALITY 7 Category Total Amount (in millions) 3/31/21 12/31/20 9/30/20 6/30/20 3/31/20 Special Mention (Rating 6) $53 $72 $80 $104 $35 Substandard (Rating 7) $85 $66 $70 $40 $36 Doubtful (Rating 8
Slide 8: Industry Concentration Disclosures
Industry Concentration Disclosures 8
Slide 9: 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 March 31, 2021: Industry Amount % of Total Loans Hotels $80MM 1.83% Restaurants $36MM 0.82% Arts, Entertainment and Recreation $27MM 0.62% Aviation $0MM 0.00% Energy $0MM 0
Slide 10: Secondary Industry Concentration | Retail
SECONDARY Secondary Industry Concentration | Retail As of March 31, 2021, QCRH retail exposure was $214MM, or 4.91% of total loans. 10 Overview in Our Markets • Restrictions on gatherings eased or lifted in all markets. • All retail segments in our markets continue to see improvement. • Sales at bar