<SEC-DOCUMENT>0001171843-17-000600.txt : 20170201
<SEC-HEADER>0001171843-17-000600.hdr.sgml : 20170201
<ACCEPTANCE-DATETIME>20170201070015
ACCESSION NUMBER:		0001171843-17-000600
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20170201
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20170201
DATE AS OF CHANGE:		20170201

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			QCR HOLDINGS INC
		CENTRAL INDEX KEY:			0000906465
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				421397595
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-22208
		FILM NUMBER:		17563047

	BUSINESS ADDRESS:	
		STREET 1:		3551 7TH STREET
		CITY:			MOLINE
		STATE:			IL
		ZIP:			61265
		BUSINESS PHONE:		3097363580

	MAIL ADDRESS:	
		STREET 1:		3551 7TH STREET
		CITY:			MOLINE
		STATE:			IL
		ZIP:			61265

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	QUAD CITY HOLDINGS INC
		DATE OF NAME CHANGE:	19930805
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>f8k_013117.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<html><head><title></title></head><body><div style="margin-top: 3pt; margin-bottom: 12pt;"><div style="font-size: 1pt; border-top: Black 2.5pt solid; border-bottom: Black 1.1pt solid; width: 100%;"><font style="font-size: 10pt;">&#160;</font></div></div><p style="text-align: center;"><font style="font-size: 14pt;"><strong>UNITED STATES</strong><br><strong>SECURITIES AND EXCHANGE COMMISSION</strong><br><strong>Washington, D.C. 20549</strong><br>_____________________</font></p><p style="text-transform: uppercase; text-align: center;"><font style="font-size: 14pt;"><strong>Form 8-K</strong><br>_____________________</font></p><p style="text-align: center;"><font style="font-size: 12pt;"><strong>CURRENT REPORT</strong></font></p><p style="text-align: center;"><font style="font-size: 12pt;"><strong>Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</strong></font></p><p align="center"><font style="font-size: 10pt;">Date of Report (Date of earliest event Reported): <!--February 1, 2017-->February 1, 2017 &#160;</font></p><p align="center"><font style="font-size: 12pt;"><strong>QCR Holdings, Inc.</strong></font><br><font style="font-size: 10pt;">(Exact Name of Registrant as Specified in Charter)</font></p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td align="center" width="33%"><font style="font-size: 10pt;"><strong>Delaware</strong></font></td><td align="center" width="34%"><font style="font-size: 10pt;"><strong>0-22208</strong></font></td><td align="center" width="33%"><font style="font-size: 10pt;"><strong>42-1397595</strong></font></td></tr><tr valign="top"><td align="center" width="33%"><font style="font-size: 10pt;">(State or Other Jurisdiction of Incorporation)</font></td><td align="center" width="34%"><font style="font-size: 10pt;">(Commission File Number)</font></td><td align="center" width="33%"><font style="font-size: 10pt;">(I.R.S. 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Results of Operations and Financial Condition.</strong></font></p><p><font style="font-size: 10pt;">On February 1, 2017, the Registrant issued a press release, a copy of which is attached hereto as Exhibit 99.1 and is incorporated herein by reference.</font></p><p><font style="font-size: 10pt;"><strong>  </strong></font></p><p><font style="font-size: 10pt;"><strong>Item 9.01. Financial Statements and Exhibits.</strong></font></p><p><font style="font-size: 10pt;"><p>(d) Exhibits</p><table class="mce-item-table" style="border-collapse: collapse;"><tr><td style="vertical-align: bottom;"><font style="font-family: &#39;times new roman&#39;, roman, serif; font-size: 10pt;">Exhibit Number</font></td><td style="vertical-align: bottom;"><font style="font-family: &#39;times new roman&#39;, roman, serif; font-size: 10pt;">&#160; &#160; &#160;&#160;</font></td><td style="vertical-align: bottom;"><font style="font-family: &#39;times new roman&#39;, roman, serif; font-size: 10pt;">Description</font></td></tr><tr><td style="vertical-align: bottom;"><font style="font-family: &#39;times new roman&#39;, roman, serif; font-size: 10pt;">&#160;</font></td><td style="vertical-align: bottom;"><font style="font-family: &#39;times new roman&#39;, roman, serif; font-size: 10pt;">&#160;</font></td><td style="vertical-align: bottom;"><font style="font-family: &#39;times new roman&#39;, roman, serif; font-size: 10pt;">&#160;</font></td></tr><tr><td style="vertical-align: bottom;"><font style="font-family: &#39;times new roman&#39;, roman, serif; font-size: 10pt;">99.1</font></td><td style="vertical-align: bottom;"><font style="font-family: &#39;times new roman&#39;, roman, serif; font-size: 10pt;">&#160;</font></td><td style="vertical-align: bottom;"><font style="font-family: &#39;times new roman&#39;, roman, serif; font-size: 10pt;">Press release dated February 1, 2017</font></td></tr></table><div id="mceResizeHandlen" class="mce-resizehandle" style="cursor: n-resize; margin: 0px; padding: 0px; left: 160px; top: 41.5px;"></div><div id="mceResizeHandlee" class="mce-resizehandle" style="cursor: e-resize; margin: 0px; padding: 0px; left: 315.5px; top: 72px;"></div><div id="mceResizeHandles" class="mce-resizehandle" style="cursor: s-resize; margin: 0px; padding: 0px; left: 160px; top: 102.5px;"></div><div id="mceResizeHandlew" class="mce-resizehandle" style="cursor: w-resize; margin: 0px; padding: 0px; left: 4.5px; top: 72px;"></div><div id="mceResizeHandlenw" class="mce-resizehandle" style="cursor: nw-resize; margin: 0px; padding: 0px; left: 4.5px; top: 41.5px;"></div><div id="mceResizeHandlene" class="mce-resizehandle" style="cursor: ne-resize; margin: 0px; padding: 0px; left: 315.5px; top: 41.5px;"></div><div id="mceResizeHandlese" class="mce-resizehandle" style="cursor: se-resize; margin: 0px; padding: 0px; left: 315.5px; top: 102.5px;"></div><div id="mceResizeHandlesw" class="mce-resizehandle" style="cursor: sw-resize; margin: 0px; padding: 0px; left: 4.5px; top: 102.5px;"></div></font></p><p><font style="font-size: 10pt;"></font></p><p><font style="font-size: 10pt;"></font></p><hr style="page-break-after: always;" noshade="noshade"><p align="center"><font style="font-size: 10pt;"><strong>SIGNATURE</strong></font></p><p><font style="font-size: 10pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</font></p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td valign="top" width="49%"><font style="font-size: 10pt;">&#160;</font></td><td style="font-size: 12pt;" colspan="2" valign="top"><font style="font-size: 10pt;"><strong>QCR Holdings, Inc.</strong></font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;">&#160;</font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;"></font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">Date: February 1, 2017</font></td><td width="2%"><font style="font-size: 10pt;">By:&#160;</font></td><td style="text-decoration: underline;" width="49%"><font style="font-size: 10pt;">/s/ Todd A. Gipple&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;">Todd A. Gipple</font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;">Executive Vice President, Chief Operating Officer and Chief Financial Officer</font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;"></font></td></tr></table><p></body></html>
</TEXT>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>exh_991.htm
<DESCRIPTION>PRESS RELEASE
<TEXT>
<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN"><html lang="en-US"><head><title>EdgarFiling</title><meta content="text/html; charset=windows-1252"><meta name="GENERATOR" content="MSHTML 8.00.7601.18094"></head><body bgcolor="#ffffff"><p style="text-align: right;"><strong>EXHIBIT 99.1</strong></p><p style="text-align: center;"><strong>QCR Holdings, Inc. Announces Record Net Income of $8.5 Million for the Fourth Quarter of 2016 and Record Net Income of $27.7 Million for the Year</strong></p><p style="text-align: center;"><p><p align="left">MOLINE, Ill., Feb.  01, 2017  (GLOBE NEWSWIRE) -- QCR Holdings, Inc. (NASDAQ:QCRH) today announced net income of $8.5 million and diluted earnings per share (&#8220;EPS&#8221;) of $0.64 for the quarter ended December 31, 2016.&#160; By comparison, for the quarter ended September 30, 2016, the Company reported net income of $6.1 million and diluted EPS of $0.46, which included $1.5 million of acquisition costs (after-tax) related to the acquisition of Community State Bank (&#8220;CSB&#8221;) in August 2016.&#160; Excluding these acquisition costs and other non-core items, the Company reported core net income (non-GAAP) of $7.5 million and diluted EPS of $0.57 for the third quarter of 2016.&#160; For the fourth quarter of 2015, the Company reported net income of $6.8 million and diluted EPS of $0.57.<br></p><p align="left">For the year ended December 31, 2016, the Company reported net income of $27.7 million and diluted EPS of $2.17.&#160; Excluding acquisition costs and other non-core items, the Company reported core net income (non-GAAP) of $29.4 million and diluted EPS of $2.31.&#160; By comparison, for the year ended December 31, 2015, the Company reported net income of $16.9 million and diluted EPS of $1.61, which included several nonrecurring items, including $4.7 million of losses on debt extinguishments (after-tax) related to the balance sheet restructuring that took place in the second quarter of 2015.</p><p align="left">&#8220;Our core operating performance for 2016 has been solid,&#8221; commented Douglas M. Hultquist, President and Chief Executive Officer, &#8220;and we continue to strategize and pursue ways to improve our profitability through our ongoing key initiatives.&#160; Our core return on average assets (non-GAAP) has improved to 1.03% from 0.82%, when comparing the full year of 2016 to the prior year.&#160; This is the result of strong organic loan growth, robust growth in core deposits, reductions in wholesale borrowings, continued margin improvements, modest operating expense growth, and strong fee income.&#8221;</p><p align="center"><strong>Organic Loan and Lease Growth of 10.5% for Year</strong><br><strong>Swap Fee Income and Gains on the Sale of Government Guaranteed Loans Total $4.9 Million in 2016</strong></p><p align="left">During the fourth quarter of 2016, the Company&#8217;s total assets increased $21.0 million, or 1%, to a total of $3.30 billion, while total loans and leases grew $44.9 million, or 1.9%.&#160; Loan and lease growth was funded by deposits, which increased $74.3 million, or 2.9%, in the fourth quarter.&#160; This deposit growth also allowed the Company to further reduce borrowings.</p><p align="left">&#8220;Organic loan and lease growth totaled $188.4 million for 2016, or an annual growth rate of 10.5%,&#8221; commented Mr. Hultquist.&#160; &#8220;For the third consecutive year, we&#8217;ve been able to achieve targeted organic growth of 10-12%, primarily through market share increases.&#160; Customers continue to appreciate the way we do business and are attracted to our relationship-based community banking model.&#8221;</p><p align="left">&#8220;Swap fee income and gains on the sale of government guaranteed loans were strong for the year, totaling $4.9 million,&#8221; said Todd A. Gipple, Executive Vice President, Chief Operating Officer and Chief Financial Officer.&#160; &#8220;We plan to continue executing these types of transactions, as they provide unique and beneficial solutions for our clients.&#160; We also look forward to offering these products in the Des Moines metro market through our recently acquired bank, CSB-Ankeny.&#8221;</p><p align="center"><strong>Net Interest Margin Expanded 32 Basis Points in Fourth Quarter</strong><br><strong>Due to Q3 Balance Sheet Restructure, Acquisition Accounting and First Full Quarter including CSB</strong></p><p align="left">Net interest income totaled $29.3 million for the quarter ended December 31, 2016.&#160; By comparison, net interest income totaled $23.6 million and $19.9 million for the quarters ended September 30, 2016 and December 31, 2015, respectively.&#160; Net interest income totaled $94.5 million for the year ended December 31, 2016, an increase of 23.9% from the prior year.&#160; Net interest income attributable to CSB totaled $10.0 million for the partial year and included $3.2 million of net accretion related to purchase accounting adjustments.</p><p align="left">&#8220;Net interest margin increased to 4.02% in the fourth quarter,&#8221; stated Mr. Gipple.&#160; He added, &#8220;The improvement in margin was attributable to the previously announced balance sheet restructure at the end of the third quarter, as well as the addition of CSB.&#160; One-time acceleration for the fourth quarter was approximately $1.3 million and was the result of payoffs/refinances of acquired performing loans, the prepayment of purchased credit impaired loans and the prepayment of FHLB advances that were acquired at a premium.&#160; Excluding the effects of this acceleration, net interest margin would have been 3.84%.&#160; By comparison, third quarter net interest margin was 3.70% excluding the effects of acceleration due to the prepayment of purchased credit impaired loans.&#8221;</p><p align="center"><strong>Nonperforming Assets to Total Assets Ratio Increased in Fourth Quarter</strong></p><p align="left">Nonperforming assets (&#8220;NPAs&#8221;) increased $4.2 million in the current quarter.&#160; The ratio of NPAs to total assets was 0.82% at December 31, 2016, which was up from 0.69% at September 30, 2016 and up from 0.74% a year ago.&#160;</p><p align="left">&#8220;Two large relationships primarily account for the increase in NPAs in the fourth quarter.&#160; The Company is not anticipating significant losses related to these two credits.&#160; We believe that these issues are isolated and not reflective of the overall portfolio,&#8221; stated Mr. Hultquist.&#160; He continued, &#8220;We remain committed to improving asset quality in 2017.&#8221;&#160;</p><p align="left">The Company&#8217;s provision for loan and lease losses totaled $2.6 million for the fourth quarter of 2016, which was up $991 thousand from the prior quarter, and up $1.4 million compared to the fourth quarter of 2015.&#160; The increase in provision in the fourth quarter of 2016 was primarily attributable to CSB.&#160; As acquired loans renew, the discount associated with those loans is accelerated and the Company must re-establish a loan loss reserve.&#160; This resulted in $1.2 million of provision expense in the fourth quarter.&#160; As of December 31, 2016, the Company&#8217;s allowance to total loans and leases was 1.28%, which was up from 1.22% at September 30, 2016 and down from 1.45% at December 31, 2015.&#160;</p><p align="left">In accordance with generally accepted accounting principles for acquisition accounting, the loans acquired through the acquisition of CSB were recorded at market value; 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stated Mr. Gipple.</p><p align="center"><strong>Continued Focus on Seven Key Initiatives</strong></p><p align="left">The Company continues to focus on the following initiatives in an effort to improve profitability and drive increased shareholder value:</p><ul type="disc"><li>Continue strong organic loan and lease growth to maintain loans and leases to total assets ratio in the range of 70-75%</li><li>Continue focus on growing core deposits to maintain reliance on wholesale funding at less than 15% of assets</li><li>Continue to focus on generating gains on sale of USDA and SBA loans, and fee income on swaps, as a significant and consistent component of core revenue</li><li>Grow wealth management fee income by 10% annually</li><li>Carefully manage noninterest expense growth</li><li>Maintain asset quality metrics at better than peer levels</li><li>Participate as an acquirer in the consolidation taking place in our markets to further boost ROAA, improve efficiency ratio, and increase EPS</li></ul><p align="center"><strong>About Us</strong></p><p align="left">QCR Holdings, Inc., headquartered in Moline, Illinois, is a relationship-driven, multi-bank holding company, which serves the Quad City, Cedar Rapids, Cedar Valley, Des Moines/Ankeny, and Rockford communities through its wholly owned subsidiary banks.&#160; Quad City Bank &amp; Trust Company, which is based in Bettendorf, Iowa, and commenced operations in 1994, Cedar Rapids Bank &amp; Trust Company, which is based in Cedar Rapids, Iowa, and commenced operations in 2001, Community State Bank, which is based in Ankeny, Iowa and was acquired by the Company in 2016, and Rockford Bank &amp; Trust Company, which is based in Rockford, Illinois, and commenced operations in 2005, provide full-service commercial and consumer banking and trust and wealth management services.&#160; Quad City Bank &amp; Trust Company also provides correspondent banking services. &#160;In addition, Quad City Bank &amp; Trust Company engages in commercial leasing through its wholly owned subsidiary, m2 Lease Funds, LLC, based in Milwaukee, Wisconsin.&#160; Additionally, the Company serves the Waterloo/Cedar Falls, Iowa community through Community Bank &amp; Trust, a division of Cedar Rapids Bank &amp; Trust Company.</p><p align="left"><strong><em>Special Note Concerning Forward-Looking Statements.&#160; </em></strong><em>This document contains, and future oral and written statements of 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 condition, results of operations, plans, objectives, future performance and business of the Company. &#160;Forward-looking statements, which may be based upon beliefs, expectations and assumptions of the Company&#8217;s management and on information currently available to management, are generally identifiable by the use of words such as &#8220;believe,&#8221; &#8220;expect,&#8221; &#8220;anticipate,&#8221; &#8220;predict,&#8221; &#8220;suggest,&#8221; &#8220;appear,&#8221; &#8220;plan,&#8221; &#8220;intend,&#8221; &#8220;estimate,&#8221; &#8221;annualize,&#8221; &#8220;may,&#8221; &#8220;will,&#8221; &#8220;would,&#8221; &#8220;could,&#8221; &#8220;should&#8221; or other similar expressions.&#160; Additionally, all statements in this document, including forward-looking statements, speak only as of the date they are made, and the Company undertakes no obligation to update any statement in light of new information or future events.</em></p><p align="left"><em>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.&#160; 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text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 683</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 583</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 650</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 634</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; 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The ratio is used to calculate overhead as a percentage of revenue.&#160; In compliance with the&#160;applicable rules of the SEC, this non-GAAP measure is reconciled to noninterest expense, net interest income and noninterest income, which are the most directly comparable GAAP financial measures.</td><td style="vertical-align: bottom;   text-align: left;   padding-left: 10.0px; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom;   text-align: left;   padding-left: 30.0px; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td></tr></table></p><p>Todd A. Gipple<br>Executive Vice President<br>Chief Operating Officer<br>Chief Financial Officer<br>(309) 743-7745</p></body></html>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
