QCR HOLDINGS INC

For the period ended Mar 31, 2025. Filed May 9, 2025.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Mar 31, 2025 · Filed May 9, 2025

QCRH$100.85-0.3%Stored close · as of Nov 6, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Contents

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Part I	FINANCIAL INFORMATION

· · Item 1 · Consolidated Financial Statements (Unaudited) · ·

			Consolidated Balance Sheets As of March 31, 2025 and December 31, 2024	4

			Consolidated Statements of Income For the Three Months Ended March 31, 2025 and 2024	5

			Consolidated Statements of Comprehensive Income For the Three Months Ended March 31, 2025 and 2024	6

			Consolidated Statements of Changes in Stockholders' Equity For the Three Months Ended March 31, 2025 and 2024	7

			Consolidated Statements of Cash Flows For the Three Months Ended March 31, 2025 and 2024	8

			Notes to Consolidated Financial Statements	9

			Note 1. Summary of Significant Accounting Policies	9
			Note 2. Investment Securities	11
			Note 3. Loans/Leases Receivable	14
			Note 4. Securitizations and Variable Interest Entities	22
			Note 5. Derivatives and Hedging Activities	23
			Note 6. Income Taxes	26
			Note 7. Earnings Per Share	26
			Note 8. Fair Value	27
			Note 9. Business Segment Information	29
			Note 10. Regulatory Capital Requirements	31
			Note 11. Commitments	32

		Item 2	Management's Discussion and Analysis of Financial Condition and Results of Operations

			Introduction	33
			General	33
			Critical Accounting Policies and Critical Accounting Estimates	33
			Executive Overview	33
			Strategic Financial Metrics	35
			Strategic Developments	35
			GAAP to Non-GAAP Reconciliations	37
			Net Interest Income - (Tax Equivalent Basis)	39
			Results of Operations	41
			Interest Income	41
			Interest Expense	42
			Provision for Credit Losses	42
			Noninterest Income	43
			Noninterest Expense	45
			Income Taxes	46

		Financial Condition	47
		Investment Securities	47
		Loans/Leases	48
		Allowance for Credit Losses on Loans/Leases and OBS Exposures	50
		Nonperforming Assets	52
		Deposits	53
		Borrowings	53
		Stockholders' Equity	55
		Liquidity and Capital Resources	55
		Special Note Concerning Forward-Looking Statements	57

	Item 3	Quantitative and Qualitative Disclosures About Market Risk	59

	Item 4	Controls and Procedures	61

Part II	OTHER INFORMATION

	Item 1	Legal Proceedings	62

	Item 1A	Risk Factors	62

	Item 2	Unregistered Sales of Equity Securities and Use of Proceeds	62

	Item 3	Defaults Upon Senior Securities	62

	Item 4	Mine Safety Disclosures	62

	Item 5	Other Information	62

	Item 6	Exhibits	63

Signatures

Throughout this Quarterly Report on Form 10-Q, we use certain acronyms and abbreviations, as defined in Note 1 to the Consolidated Financial Statements.

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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.

About this filing

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