For the year ending 2025-12-31.
| Income Statement | 2025-12-31 | 2024-12-31 | ||
|---|---|---|---|---|
| Revenue-Fiduciary And Trust | 14,374 | - | ||
| Revenue-Investment Advisory Management And Administrative Service | 5,500 | - | ||
| Revenue-Deposit Account | 8,693 | - | ||
| Revenue-Debit Card | 6,424 | - | ||
| Revenue-Correspondent Clearing | 2,676 | - | ||
| Gains on sales of residential real estate loans, net | 2,048 | 2,041 | ||
| Revenue | - | 32,589 | ||
| Gains on sales of government guaranteed portions of loans, net | - | 85 | ||
| Capital markets revenue | 64,698 | 71,057 | ||
| Earnings on bank-owned life insurance | 3,362 | 5,443 | ||
| Loan related fee income | 3,770 | 3,697 | ||
| Fair value gain (loss) on derivatives and trading securities | 347 | -2,779 | ||
| Other | 2,431 | 1,307 | ||
| Total noninterest income | 114,323 | 115,529 | ||
| Taxable | 304,493 | 317,449 | ||
| Nontaxable | 114,833 | 104,376 | ||
| Taxable | 19,159 | 17,216 | ||
| Nontaxable | 41,627 | 33,056 | ||
| Interest-bearing deposits at financial institutions | 6,509 | 6,077 | ||
| Restricted investment securities | 2,273 | 2,991 | ||
| Federal funds sold | 532 | 692 | ||
| Total interest and dividend income | 489,426 | 481,857 | ||
| Deposits | 204,701 | 213,131 | ||
| Short-term borrowings | 83 | 99 | ||
| Federal home loan bank advances | 9,327 | 19,750 | ||
| Other borrowings | 2,291 | - | ||
| Subordinated notes | 15,063 | 14,314 | ||
| Junior subordinated debentures | 2,740 | 2,775 | ||
| Total interest expense | 234,205 | 250,069 | ||
| Net interest income | 255,221 | 231,788 | ||
| Provision for credit losses | 18,081 | 17,098 | ||
| Net interest income after provision for credit losses | 237,140 | 214,690 | ||
| Salaries and employee benefits | 127,074 | 128,186 | ||
| Occupancy and equipment expense | 28,019 | 25,413 | ||
| Professional and data processing fees | 25,277 | 19,373 | ||
| Fdic insurance, other insurance and regulatory fees | 8,197 | 7,444 | ||
| Loan/lease expense | 1,511 | 1,629 | ||
| Net cost of (income from) and losses/(gains) on operations of other real estate | 80 | -21 | ||
| Advertising and marketing | 7,535 | 7,058 | ||
| Communication and data connectivity | 788 | 1,397 | ||
| Supplies | 956 | 1,064 | ||
| Bank service charges | 2,700 | 2,428 | ||
| Loss on liability extinguishment, net | -1,963 | - | ||
| Correspondent banking expense | 1,310 | 1,321 | ||
| Intangibles amortization | 2,981 | 2,761 | ||
| Payment card processing | 2,287 | 2,653 | ||
| Trust expense | 1,618 | 1,580 | ||
| Other | 3,265 | 2,970 | ||
| Goodwill impairment | - | 432 | ||
| Restructuring expense | - | 1,954 | ||
| Total noninterest expense | 215,561 | 207,642 | ||
| Net income before income taxes | 135,902 | 122,577 | ||
| Federal and state income tax expense | 8,708 | 8,727 | ||
| Net income | 127,194 | 113,850 | ||
| Basic EPS | 7.54 | 6.77 | ||
| Diluted EPS | 7.49 | 6.71 | ||
| Basic Average Shares | 16,876,457 | 16,829,004 | ||
| Diluted Average Shares | 16,973,671 | 16,959,853 | ||
QCR HOLDINGS INC (QCRH)
QCR HOLDINGS INC (QCRH)