---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-23-006190"
form_type: "8-K"
ticker: "QCRH"
cik: "0000906465"
company_name: "QCR HOLDINGS INC"
filed_at: "2023-01-24T23:59:59+00:00"
generated_at: "2026-06-20T11:22:05.053531+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# QCRH reports Q4 net income $30.9M ($1.81 EPS); full-year record net income $99.1M

## Summary
- Q4 net income $30.9M, diluted EPS $1.81; adjusted EPS (non-GAAP) $1.83 vs $1.73 YoY.
- Record annual net income $99.1M ($5.87 diluted EPS); adjusted annual revenue and EPS up 14.8% and 8.5%.
- Net interest margin (TEY) expanded to 3.93% from 3.71% prior quarter; record net interest income $65.2M.
- Loan growth 8.7% annualized in Q4; full-year ex-PPP/acquisition growth 14.6%.
- Nonperforming assets fell 51% to 0.11% of assets; no provision for credit loss.

## SEC filing metadata
- accession: 0001104659-23-006190
- form_type: 8-K
- ticker: QCRH
- cik: 0000906465
- company_name: QCR HOLDINGS INC
- filed_at: 2023-01-24T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/906465/000110465923006190/0001104659-23-006190-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/906465/000110465923006190/tm234178d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-23-006190
- JSON: https://secwatch.observer/filing/0001104659-23-006190.json
- Plain text: https://secwatch.observer/filing/0001104659-23-006190.txt

## Key facts
- Earnings Releases
  QCR HOLDINGS INC reported the year ended December 31, 2022 results: net income $99.1 million, EPS $5.87 per diluted share. Guidance initiated.
  - Period: the year ended December 31, 2022
  - Net income: $99.1 million
  - EPS: $5.87 per diluted share
  - Guidance: initiated
  - Result: reported results
  source text: the Company reported net income of $99.1 million, or $5.87 per diluted share
  evidence_url: https://www.sec.gov/Archives/edgar/data/906465/000110465923006190/0001104659-23-006190-index.htm
- Earnings Releases
  QCR HOLDINGS INC reported the quarter ended December 31, 2022 results: net income $30.9 million, EPS $1.81 per diluted share. Guidance initiated.
  - Period: the quarter ended December 31, 2022
  - Net income: $30.9 million
  - EPS: $1.81 per diluted share
  - Guidance: initiated
  - Result: reported results
  source text: net income of $30.9 million and diluted earnings per share ("EPS") of $1.81 for the fourth quarter of 2022
  evidence_url: https://www.sec.gov/Archives/edgar/data/906465/000110465923006190/0001104659-23-006190-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.