For the quarter ending 2026-03-31, QCRH had $3,544K increase in cash & cash equivalents over the period. -$7,882K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net interest income | 67,438 | 68,354 | 186,867 | - |
| Provision for credit losses | 2,454 | 5,499 | 4,305 | - |
| Capital markets revenue | 10,701 | 24,481 | 40,217 | - |
| Other segment revenue items | 12,251 | 14,184 | 35,441 | - |
| Total noninterest income | 22,952 | 38,665 | 75,658 | - |
| Salaries and benefits expense | 31,389 | 36,898 | 90,176 | - |
| Occupancy expense | 7,479 | 7,364 | 20,655 | - |
| Other segment expense items | 13,257 | 18,590 | 41,878 | - |
| Total noninterest expense | 52,125 | 62,852 | 152,709 | - |
| Income tax expense | 2,428 | 3,004 | 5,704 | - |
| Gains on sales of government guaranteed portions of loans | - | - | 6 | 101 |
| Net income | 33,383 | 35,664 | 36,714 | 54,816 |
| Depreciation | 2,317 | 2,329 | 2,480 | 4,515 |
| Provision for credit losses | 2,454 | 5,499 | 4,305 | 8,277 |
| Deferred income taxes | - | -2,340 | - | - |
| Stock-based compensation expense | 1,053 | 623 | 687 | 1,921 |
| Deferred compensation expense accrued | 1,619 | 1,718 | 1,391 | 2,982 |
| Losses (gains) on other real estate owned, net | - | -38 | 4 | 31 |
| Amortization of securities premiums/discounts, net | -1,371 | 4,937 | 685 | -400 |
| Fair value loss on derivatives and trading securities | -869 | 799 | 324 | -776 |
| Ineffectiveness on fair value hedges | -5 | 0 | 0 | -16 |
| Loans originated for sale | 25,697 | 26,513 | 21,174 | 39,310 |
| Proceeds on sales of loans | 25,677 | 312,426 | 21,414 | 41,245 |
| Gains on sales of residential real estate loans | 614 | 666 | 529 | 853 |
| Loss on liability extinguishment, net | - | -1,963 | - | - |
| Losses on sales and disposals of premises and equipment | - | 0 | -6 | - |
| Amortization of intangibles | 506 | 997 | 662 | 1,322 |
| Accretion of acquisition fair value adjustments, net | 891 | 63 | 183 | 268 |
| Increase in cash value of bank-owned life insurance | 837 | 888 | 952 | 1,522 |
| Increase (decrease) in other assets | -8,881 | -2,640 | 4,394 | 5,328 |
| Increase in other liabilities | -45,696 | 7,610 | 8,049 | -30,181 |
| Net cash provided by (used in) operating activities | 4,400 | 335,408 | 47,457 | 38,676 |
| Proceeds from sales of other real estate owned | - | -38 | 66 | 740 |
| Net decrease in federal funds sold | 22,200 | -950 | 4,800 | 150 |
| Net (increase) decrease in interest-bearing deposits at financial institutions | 8,129 | 11,325 | -19,129 | 24,738 |
| Available For Sale Securities Debt | 33,841 | 64,537 | 50,567 | 119,930 |
| Calls, maturities and redemptions | 15,463 | 26,850 | 10,765 | 31,081 |
| Paydowns | 1,433 | 17,221 | 4,511 | 17,535 |
| Restricted Investments | 346 | -2,062 | 4,542 | 64 |
| Redemptions | 9,546 | 259 | 1,623 | 2,585 |
| Net increase in loans/leases originated and held for investment | 125,595 | 278,189 | 257,727 | 149,755 |
| Purchase of premises and equipment | 12,282 | 24,570 | 15,728 | 27,135 |
| Proceeds from sales of premises and equipment | - | 0 | 1,845 | - |
| Net cash used in investing activities | -115,293 | -310,567 | -324,083 | -220,055 |
| Net increase in deposit accounts | 356,652 | 34,130 | 61,715 | 257,166 |
| Net increase (decrease) in short-term borrowings | -700 | -200 | 1,500 | -450 |
| Term advances | 226 | - | - | - |
| Net change in short-term and overnight advances | 220,000 | -90,000 | -65,000 | 60,000 |
| Prepayments | - | 136,963 | - | - |
| Proceeds from other borrowings, net of issuance costs | - | -16 | 130,604 | - |
| Prepayments of subordinated notes | - | 0 | 70,000 | - |
| Proceeds from subordinated notes | - | 0 | 70,000 | - |
| Payment of cash dividends on common stock | 1,011 | 1,017 | 1,016 | 2,028 |
| Proceeds from issuance of common stock, net | 112 | 774 | 628 | -272 |
| Repurchase and cancellation of common stock | -20,842 | -12,636 | -8,993 | - |
| Net cash provided by financing activities | 114,437 | -25,928 | 249,438 | 194,416 |
| Net increase in cash and due from banks | 3,544 | -1,087 | -27,188 | 13,037 |
| Cash and due from banks, beginning | 76,494 | 14,151 | 91,732 | - |
| Cash and due from banks, ending | 80,038 | -1,087 | 77,581 | - |
QCR HOLDINGS INC (QCRH)
QCR HOLDINGS INC (QCRH)