QCR Holdings, Inc. (QCRH) Q1 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:02.734 Greetings and welcome to the QCR Holdings Inc. 00:00:02.734 -- 00:00:06.479 earnings conference call for the first quarter of 2025. 00:00:06.479 -- 00:00:11.005 Yesterday, after market closed, the company distributed its first quarter earnings press 00:00:11.005 -- 00:00:12.687 release. 00:00:12.687 -- 00:00:17.213 If there is anyone on the call who has not received a copy, you may access it on the 00:00:17.213 -- 00:00:21.115 company's website at www.qcrh.com. 00:00:22.219 -- 00:00:26.625 With us today from management are Larry Helling, CEO, and Todd Gipple, President and 00:00:26.625 -- 00:00:28.398 CFO. 00:00:28.398 -- 00:00:32.363 Management will provide a summary of the financial results and then will open up the 00:00:32.363 -- 00:00:35.167 call for questions from analysts. 00:00:35.167 -- 00:00:39.193 Before we begin, I would like to remind everyone that some of the information management 00:00:39.193 -- 00:00:44.600 will be providing today falls under the guidelines of forward-looking statements as defined 00:00:44.600 -- 00:00:47.885 by the Securities and Exchange Commission. 00:00:47.885 -- 00:00:52.591 As part of these guidelines, any statements made during this call concerning the company's 00:00:52.591 -- 00:00:57.878 hopes, beliefs, and expectations and predictions of the future are forward-looking statements 00:00:57.878 -- 00:01:02.681 and actual results could differ materially from those projected. 00:01:03.184 -- 00:01:08.590 Additional information on these factors is included in the company's SEC filings, 00:01:08.590 -- 00:01:11.674 which are available on the company's website. 00:01:11.674 -- 00:01:16.819 Additionally, management may refer to non-GAAP measures which are intended to supplement 00:01:16.819 -- 00...