QCR Holdings Q4 2024 net income $30.2M, adjusted EPS $1.93; record full-year net income $113.9M

QCR HOLDINGS INC

2024-FY EPS reported $6.71

Q4 2024 GAAP diluted EPS $1.77 vs $1.64 Q3; adjusted diluted EPS $1.93 vs $1.78 Q3.
Record net interest income $61.2M; adjusted NIM (TEY) up 6 bps to 3.40%; Q1 2025 NIM guidance flat to +5 bps.
Capital markets revenue $20.6M including $1.4M gain from fourth LIHTC securitization; swap fee revenue guidance $50-60M next 12 months.
Loans grew $120.5M (7% annualized) to $6.8B; full-year gross growth 10%; 2025 net loan growth target 1-3% after securitization.
NPAs increased $9.9M to $45.6M (0.50% of assets); largest NPA ($9.7M) fully paid off in January 2025.

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