<SEC-DOCUMENT>0001171843-17-002226.txt : 20170420
<SEC-HEADER>0001171843-17-002226.hdr.sgml : 20170420
<ACCEPTANCE-DATETIME>20170420160013
ACCESSION NUMBER:		0001171843-17-002226
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20170420
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20170420
DATE AS OF CHANGE:		20170420

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:		17773057

	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_041917.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): <!--April 20, 2017-->April 20, 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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Financial Statements and Exhibits.</strong></font></p><p><font style="font-size: 10pt;"><p>(d) Exhibits</p><table class="mce-item-table"><tr><td><p><font style="font-size: 10pt;">Exhibit Number</font></p></td><td><p><font style="font-size: 10pt;">&#160; &#160; &#160;&#160;</font></p></td><td><p><font style="font-size: 10pt;">Description</font></p></td></tr><tr><td><p><font style="font-size: 10pt;">&#160;</font></p></td><td><p><font style="font-size: 10pt;">&#160;</font></p></td><td><p><font style="font-size: 10pt;">&#160;</font></p></td></tr><tr><td><p><font style="font-size: 10pt;">99.1</font></p></td><td><p><font style="font-size: 10pt;">&#160;</font></p></td><td><p><font style="font-size: 10pt;">Press release dated April 20, 2017</font></p></td></tr></table></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: April 20, 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>
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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 $9.2 Million for the First Quarter of 2017</strong></p><p style="text-align: center;"><p> <p align="left">MOLINE, Ill., April  20, 2017  (GLOBE NEWSWIRE) -- QCR Holdings, Inc. (NASDAQ:QCRH) today announced net income of $9.2 million and diluted earnings per share (&#8220;EPS&#8221;) of $0.68 for the quarter ended March 31, 2017.&#160; By comparison, for the quarter ended December 31, 2016, the Company reported net income of $8.5 million and diluted EPS of $0.64.&#160; For the quarter ended March 31, 2016, the Company reported net income of $6.4 million and diluted EPS of $0.53.<br></p>  <p>&#8220;Our operating performance for the first quarter was strong,&#8221; commented Douglas M. 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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 Community State Bank.&#8221;</p>  <p align="center"><strong>Net Interest Income Impacted by</strong><br><strong>Acquisition Accounting</strong></p>  <p>Net interest income totaled $27.7 million for the quarter ended March 31, 2017.&#160; By comparison, net interest income totaled $29.3 million and $20.6 million for the quarters ended December 31, 2016 and March 31, 2016, respectively.&#160; Acquisition-related accretion (net) totaled $1.9 million for the quarter ended March 31, 2017.&#160; By comparison, acquisition-related accretion (net) totaled $3.0 million and $45 thousand for the quarters ended December 31, 2016 and March 31, 2016, respectively.&#160; When comparing the first quarter of 2017 to the fourth quarter of 2016, it is also important to note that the fourth quarter of 2016 included two more days, equating to roughly $615 thousand of net interest income.&#160; Excluding acquisition-related accretion and the difference in net interest income related to the number of days in the quarter, net interest income of $26.4 million was flat for the current quarter, compared to $26.3 million for the quarter ended December 31, 2016.</p>  <p>&#8220;Net interest margin (excluding acquisition accounting accretion) was stable at 3.65% for the first quarter of 2017, compared to 3.64% for the fourth quarter of 2016,&#8221; stated Mr. Gipple.&#160; &#8220;Also important to note is that loan yield (excluding loan discount accretion) was relatively flat when comparing linked quarters at 4.34% for the first quarter of 2017 and 4.35% for the fourth quarter of 2016.&#160; Additionally, we had a successful quarter growing core deposits and while loan growth was modest, we expect to put this liquidity to work in loans and leases in order to expand core margin in future periods.&#8221;</p>  <p align="center"><strong>Nonperforming Assets Flat for First Quarter</strong></p>  <p>Nonperforming assets (&#8220;NPAs&#8221;) remained fairly flat in the current quarter.&#160; The ratio of NPAs to total assets was 0.81% at March 31, 2017, which was down slightly from 0.82% at December 31, 2016 and up from 0.71% a year ago.&#160;</p>  <p>&#8220;While credit quality metrics remain strong in comparison to peers, we remain committed to further improving asset quality in 2017,&#8221; stated Mr. Hultquist.&#160; &#160;&#160;</p>  <p>The Company&#8217;s provision for loan and lease losses totaled $2.1 million for the first quarter of 2017, which was down $494 thousand from the prior quarter, and flat compared to the first quarter of 2016.&#160; The decrease in provision in the first quarter of 2017 was primarily attributable to CSB.&#160; As acquired loans renew, the discount associated with those loans is eliminated and the Company must establish an allowance.&#160; This resulted in $774 thousand of provision expense in the first quarter of 2017 compared to $1.2 million of provision expense in the fourth quarter of 2016.&#160; As of March 31, 2017, the Company&#8217;s allowance to total loans and leases was 1.32%, which was up from 1.28% at December 31, 2016 and down from 1.46% at March 31, 2016.&#160;</p>  <p>In accordance with generally accepted accounting principles for acquisition accounting, the loans acquired through the acquisition of CSB were recorded at market value; therefore, there was no allowance associated with CSB&#8217;s loans at acquisition.&#160; Management continues to evaluate the allowance needed on the acquired CSB loans factoring in the net remaining discount ($8.0 million at March 31, 2017).&#160; When factoring this remaining discount into the Company&#8217;s allowance to total loans and leases calculation, the Company&#8217;s allowance as a percentage of total loans and leases increases from 1.32% to 1.64%.</p>  <p align="center"><strong>Capital Levels Remain Strong</strong></p>  <p>As of March 31, 2017, the Company&#8217;s total risk-based capital ratio was 11.65%, the common equity tier 1 ratio was 9.45% and the tangible common equity to tangible assets ratio increased to 8.20%.&#160; By comparison, these respective ratios were 11.56%, 9.41% and 8.04% as of December 31, 2016.<br>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<br>&#8220;As a result of solid earnings performance, capital ratios continue to be strong and we are growing tangible common equity at a steady pace,&#8221; stated Mr. Gipple.</p>  <p align="center"><strong>Continued Focus on Seven Key Initiatives</strong></p>  <p>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 net 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>Conference Call Details</strong></p>  <p>The Company will host an earnings call/webcast on April 21, 2017 at 9 a.m. central time.&#160; Dial-in information for the call is toll-free 1-888-317-6016 (international 1-412-317-6016). &#160;Participants should request to join the QCR Holdings, Inc. call. The event will be archived and available for digital replay through May 5, 2017. &#160;The replay access information is toll-free 1-877-344-7529 (international 1-412-317-0088); access code 10104342.&#160; A webcast of the teleconference can be accessed at the Company&#8217;s News and Events page at http://www.qcrh.com or http://services.choruscall.com/links/qcrh170421.html. &#160;The archived audio webcast will be available until April 21, 2018.&#160; Participants should visit the Company&#8217;s website or call in to the conference line set forth below at least 10 minutes prior to the scheduled start of the call. <br></p>  <p align="center"><strong>About Us</strong></p>  <p>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; 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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><br></p>  <p><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; 13,396</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 ; ">$</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 11,202</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 10,917</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 10,801</td></tr><tr><td colspan="2" style="vertical-align: bottom ; ">Occupancy and equipment expense</td><td style="vertical-align: bottom ; 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vertical-align: bottom ; ">&#160; 1,885</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; 1,827</td></tr><tr><td colspan="2" style="vertical-align: bottom ; ">Professional and data processing fees</td><td style="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; 2,083</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 2,192</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; 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text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 186</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; 206</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; 182</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; 177</td></tr><tr><td style="vertical-align: bottom ; ">Other</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; 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  text-align: left;   padding-left: 30.0px; vertical-align: bottom ; ">measures.</td></tr><tr><td style="vertical-align: bottom;   text-align: left;   padding-left: 30.0px; 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></tr></table> <p>&#160;</p></p><p>Contact:<br>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>
