For the quarter ending 2025-09-30, QCRH had -$27,188K decrease in cash & cash equivalents over the period. $31,729K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net interest income | 186,867 | - |
| Provision for credit losses | 4,305 | - |
| Capital markets revenue | 40,217 | - |
| Other segment revenue items | 35,441 | - |
| Total noninterest income | 75,658 | - |
| Salaries and benefits expense | 90,176 | - |
| Occupancy expense | 20,655 | - |
| Other segment expense items | 41,878 | - |
| Total noninterest expense | 152,709 | - |
| Income tax expense | 5,704 | - |
| Net income | 36,714 | 54,816 |
| Depreciation | 2,480 | 4,515 |
| Provision for credit losses | 4,305 | 8,277 |
| Stock-based compensation expense | 687 | 1,921 |
| Deferred compensation expense accrued | 1,391 | 2,982 |
| Gains on other real estate owned, net | 4 | 31 |
| Amortization of premiums on securities, net | 685 | -400 |
| Fair value loss on derivatives and trading securities | 324 | -776 |
| Ineffectiveness on fair value hedges | 0 | -16 |
| Loans originated for sale | 21,174 | 39,310 |
| Proceeds on sales of loans | 21,414 | 41,245 |
| Gains on sales of residential real estate loans | 529 | 853 |
| Gains on sales of government guaranteed portions of loans | 6 | 101 |
| Losses on sales and disposals of premises and equipment | -6 | - |
| Amortization of intangibles | 662 | 1,322 |
| Accretion of acquisition fair value adjustments, net | 183 | 268 |
| Increase in cash value of bank-owned life insurance | 952 | 1,522 |
| Increase in other assets | 4,394 | 5,328 |
| Decrease in other liabilities | 8,049 | -30,181 |
| Net cash provided by provided by operating activities | 47,457 | 38,676 |
| Net decrease in federal funds sold | 4,800 | 150 |
| Net (increase) decrease in interest-bearing deposits at financial institutions | -19,129 | 24,738 |
| Proceeds from sales of other real estate owned | 66 | 740 |
| Purchases | 50,567 | 119,930 |
| Calls, maturities and redemptions | 10,765 | 31,081 |
| Paydowns | 4,511 | 17,535 |
| Purchases | 4,542 | 64 |
| Redemptions | 1,623 | 2,585 |
| Net increase in loans/leases originated and held for investment | 257,727 | 149,755 |
| Purchase of premises and equipment | 15,728 | 27,135 |
| Proceeds from sales of premises and equipment | 1,845 | - |
| Net cash used in investing activities | -324,083 | -220,055 |
| Net increase in deposit accounts | 61,715 | 257,166 |
| Net increase in short-term borrowings | 1,500 | -450 |
| Net change in short-term and overnight advances | -65,000 | 60,000 |
| Proceeds from other borrowings | 130,604 | - |
| Prepayments of subordinated notes | 70,000 | - |
| Proceeds from subordinated notes | 70,000 | - |
| Payment of cash dividends on common stock | 1,016 | 2,028 |
| Proceeds from issuance of common stock, net | 628 | -272 |
| Repurchase and cancellation of common stock | -8,993 | - |
| Net cash provided by financing activities | 249,438 | 194,416 |
| Net increase (decrease) in cash and due from banks | -27,188 | 13,037 |
| Cash and cash equivalents at beginning of period | 91,732 | - |
| Cash and cash equivalents at end of period | 77,581 | - |
QCR HOLDINGS INC (QCRH)
QCR HOLDINGS INC (QCRH)