For the year ending 2025-12-31, QCRH had -$15,238K decrease in cash & cash equivalents over the period. $354,108K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net interest income | 255,221 |
| Provision for credit losses | 18,081 |
| Capital markets revenue | 64,698 |
| Other segment revenue items | 49,625 |
| Total noninterest income | 114,323 |
| Salaries and benefits expense | 127,074 |
| Occupancy expense | 28,019 |
| Other segment expense items | 60,468 |
| Total noninterest expense | 215,561 |
| Income tax expense | 8,708 |
| Net income | 127,194 |
| Depreciation | 9,324 |
| Provision for credit losses | 18,081 |
| Deferred income taxes | -2,340 |
| Stock-based compensation expense | 3,231 |
| Deferred compensation expense accrued | 6,091 |
| Losses (gains) on other real estate owned, net | -3 |
| Amortization (accretion) of securities premiums/discounts, net | 5,222 |
| Fair value (gain) loss on derivatives and trading securities | 347 |
| Ineffectiveness on fair value hedges | -16 |
| Loans originated for sale | 86,997 |
| Proceeds on sales of loans | 375,085 |
| Gains on sales of residential real estate loans | 2,048 |
| Loss on liability extinguishment, net | -1,963 |
| Losses on sales and disposals of premises and equipment | -6 |
| Amortization of intangibles | 2,981 |
| Accretion of acquisition fair value adjustments, net | 514 |
| Increase in cash value of bank-owned life insurance | 3,362 |
| Increase (decrease) in other assets | 7,082 |
| Decrease (increase) in other liabilities | -14,522 |
| Net cash provided by operating activities | 421,541 |
| Net decrease in federal funds sold | 4,000 |
| Net (increase) decrease in interest-bearing deposits at financial institutions | 16,934 |
| Proceeds from sales of other real estate owned | 768 |
| Purchases | 235,034 |
| Calls, maturities and redemptions | 68,696 |
| Paydowns | 39,267 |
| Purchases | 2,544 |
| Redemptions | 4,467 |
| Net increase in loans/leases originated and held for investment | 685,671 |
| Purchase of premises and equipment | 67,433 |
| Proceeds from sales of premises and equipment | 1,845 |
| Net cash used in investing activities | -854,705 |
| Net increase in deposit accounts | 353,011 |
| Net increase (decrease) in short-term borrowings | 850 |
| Net change in short-term and overnight advances | -95,000 |
| Prepayments | 136,963 |
| Proceeds from other borrowings, net of issuance costs | 130,588 |
| Prepayments of subordinated notes | 70,000 |
| Proceeds from subordinated notes | 70,000 |
| Payment of cash dividends on common stock | 4,061 |
| Proceeds from issuance of common stock, net | 1,130 |
| Repurchase and cancellation of common stock | -21,629 |
| Net cash provided by financing activities | 417,926 |
| Net increase (decrease) in cash and due from banks | -15,238 |
| Cash and due from banks, beginning | 91,732 |
| Cash and due from banks, ending | 76,494 |
QCR HOLDINGS INC (QCRH)
QCR HOLDINGS INC (QCRH)