QCR Holdings, Inc., through its subsidiaries, provides commercial and consumer banking, and trust and asset management services for the Quad City, Cedar Rapids, and Rockford communities. QCR Holdings, Inc. was founded in 1993 and is headquartered in Moline, Illinois.

QCR Holdings, Inc. is a multi-bank holding company. The Company serves the Quad City, Cedar Rapids and Rockford communities through three wholly owned banking subsidiaries, which provide full-service commercial and consumer banking, and trust and asset management services. Its subsidiaries include Quad City Bank and Trust Company (Quad City Bank & Trust), Cedar Rapids Bank and Trust Company (Cedar Rapids Bank & Trust), and Rockford Bank and Trust Company (Rockford Bank & Trust). The Company also engages in direct financing lease contracts through the 80% equity investment by Quad City Bank & Trust in m2 Lease Funds, LLC, based in Brookfield, Wisconsin, and in real estate holdings through its 73% equity investment in Velie Plantation Holding Company, LLC, based in Moline, Illinois. Quad City Bancard, Inc. (Bancard), previously a wholly owned subsidiary of the Company, conducted the Company’s credit card issuing operation. Effective December 31, 2009, Bancard was dissolved and liquidated. The credit card issuing operation was merged in as a department of Quad City Bank & Trust.
Quad City Bank & Trust is a state-chartered commercial bank. Quad City Bank & Trust provides commercial and consumer banking, and trust and asset management services in the Quad Cities and adjacent communities through its five offices that are located in Bettendorf and Davenport, Iowa and in Moline, Illinois. Cedar Rapids Bank & Trust is a state-chartered commercial bank. Cedar Rapids Bank & Trust provides commercial and consumer banking, and trust and asset management services to Cedar Rapids, Iowa and adjacent communities through its two facilities. Rockford Bank & Trust is a state-chartered commercial bank. It provides commercial and consumer banking, and trust and asset management services to Rockford and adjacent communities through its offices located in Rockford. Velie Plantation Holding Company is engaged in holding the real estate property known as the Velie Plantation Mansion in Moline, Illinois. Quad City Bank & Trust has acquired 100% of the membership units of CMG Investment Advisors, LLC, which is an investment management and advisory company. The Company’s trust preferred subsidiaries include QCR Holdings Statutory Trust II, QCR Holdings Statutory Trust III, QCR Holdings Statutory Trust IV and QCR Holdings Statutory Trust V. The Company owns a 20% equity position in Nobel Real Estate Investors, LLC. Cedar Rapids Bank & Trust has a 50% interest in a joint venture, Cedar Rapids Mortgage Company, LLC.
Lending/Leasing
The Company and its subsidiaries provide a range of commercial and retail lending and investment services to corporations, partnerships, individuals and government agencies. The Company’s subsidiary banks provide a range of business loans, including lines of credit for working capital and operational purposes, and term loans for the acquisition of facilities, equipment and other purposes. Collateral for these loans generally includes accounts receivable, inventory, equipment and real estate. Terms of commercial business loans generally range from 1 to 5 years. Some of the subsidiary banks’ commercial business loans have floating interest rates or reprice within one year. The banks also make commercial real estate loans. Collateral for these loans generally includes the underlying real estate and improvements, and may include additional assets of the borrower.
The consumer lending departments of each bank provide many types of consumer loans, including motor vehicle, home improvement, home equity, signature loans and small personal credit lines. Commercial and industrial loans/leases were $441.5 million, or approximately 35%, of the Company’s total loan/lease portfolio as of December 31, 2009. Commercial real estate lending comprises a significant portion of the Company’s lending business. Specifically, commercial real estate loans were $556 million, or approximately 45% of its total loan/lease portfolio as of December 31, 2009. Of this amount, $158.9 million, or approximately 29%, is owner-occupied. As of December 31, 2009, the Company had $1.24 billion in total loans/leases. m2 Lease Funds leases machinery and equipment to commercial and industrial customers under direct financing leases.
Investment Activities
The Company’s available-for-sale securities portfolio consists largely of the United States Treasury and government-sponsored agency securities. Residential mortgage-backed securities represented less than 1% of the entire portfolio as of December 31, 2009. The Company has not invested in corporate mortgage-backed securities. As of December 31, 2009, investment securities totaled $370.5 million.
Sources of funds
As of December 31, 2009, the Company’s deposits totaled $1.09 billion. The various types of deposits offered include non-interest-bearing demand deposits, interest-bearing demand deposits, savings deposits, time deposits and brokered time deposits. The subsidiary banks offer overnight repurchase agreements to their customers. In addition, the subsidiary banks purchase federal funds for short-term funding needs from the Federal Reserve Bank, or from their correspondent banks. As of December 31, 2009, its short-term borrowings totaled $150,899,571. As of December 31, 2009, Federal Home Loan Bank loans totaled $215,850,000. As a result of their memberships in the FHLB of Des Moines and Chicago, the subsidiary banks have the ability to borrow funds for short-term or long-term purposes under a variety of programs. As of December 31, 2009, the subsidiary banks held $11.8 million of FHLB stock in aggregate. As of December 31, 2009, other borrowings totaled $140.1 million.

QCR Holdings, Inc. is a multi-bank holding company headquartered in Moline, Illinois that serves the Quad Cities, Cedar Rapids and Rockford communities through its wholly owned subsidiary banks. Each bank provides full-service commercial and consumer banking, trust, and asset management services. The company also engages in commercial leasing through its 80% owned subsidiary, M2 Lease Funds, LLC, based in Milwaukee, Wisconsin.[3]:
QCR Holdings' deposit products include non-interest and interest-bearing demand deposits, time deposits, negotiable order of withdrawal accounts, regular checking accounts, savings deposits, and brokered certificates of deposits. The company offers commercial and retail lending and investment services to corporations, partnerships, individuals, and government agencies. Its loan portfolio comprises commercial loans, including loans to wholesalers, manufacturers, building contractors, business services companies, other banks, and retailers; commercial loans, including commercial real estate loans; and business loans, such as lines of credit for working capital and operational purposes. The company’s loan portfolio also includes term loans for the acquisition of facilities, equipment, and other purposes; and consumer loans, including motor vehicle, home improvement, home equity, signature loans, and small personal credit lines. In addition, it offers direct financing lease contracts services.


OVERALL
Beta: 0.29
Market Cap (Mil.): $42.33
Shares Outstanding (Mil.): 4.73
Annual Dividend: 0.08
Yield (%): 0.89
FINANCIALS
QCRH.O Industry Sector
P/E (TTM): 16.48 16.65 25.52
EPS (TTM): 304.46 -- --
ROI: -- 0.00 4.82
ROE: -- 3.59 9.55

Name Age Since Current Position
James Brownson 65 2007 Independent Chairman of the Board
Douglas Hultquist 55 President, Chief Executive Officer, Director
Todd Gipple 47 2009 Chief Financial Officer, Chief Operating Officer, Executive Vice President, Director
Mark Kilmer 52 2007 Chairman of Quad City Bank & Trust Company, Independent Director
Larry Helling 55 2001 Director
Ronald Peterson 67 1993 Independent Director
John Lawson 71 2000 Independent Director
Patrick Baird 57 2010 Independent Director
John Rife 68 2006 Independent Director
Charles Peters 57 2007 Independent Director
Marie Ziegler 53 2008 Independent Director
John Whitcher 56 2008 Independent Director
Donna Sorensen 61 2009 Independent Director

COMPANY ADDRESS
QCR Holdings Inc
3551 Seventh Street
Suite 204
Moline IL 61265
 
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