secwatch.observer — SEC 8-K summary
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Issuer:     QCR HOLDINGS INC (QCRH)
CIK:        0000906465
Form:       8-K
Filed at:   2025-01-22T23:59:59+00:00
Accession:  0001104659-25-005236
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/906465/000110465925005236/0001104659-25-005236-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/906465/000110465925005236/tm254034d1_8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-25-005236

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer