QCR Holdings, Inc. (QCRH) Q4 2024 Earnings Call Transcript

QCR Holdings, Inc. (QCRH) Q4 2024 Earnings Call Transcript


QCR Holdings, Inc. (NASDAQ:QCRH) Q4 2024 Earnings Conference Call January 23, 2025 11:00 AM ET

Company Participants

Larry Helling – CEO
Todd Gipple – President and CFO

Conference Call Participants

Damon DelMonte – KBW
Nathan Race – Piper Sandler
Brian Martin – Janney Montgomery
Tim DeLacey – Raymond James

Operator

Greetings, and welcome to the QCR Holdings Incorporated Earnings Conference Call for the Fourth Quarter and Full Year 2024. Yesterday after market closed, the company distributed its fourth quarter earnings press release. If there is anyone on the call who has not received a copy, you may access it on the company’s website at www.qcrh.com. With us today from management are Larry Helling, CEO; and Todd Gipple, President and CFO. Management will provide a summary of the financial results, and then we’ll open the call for questions from analysts.

Before we begin, I would like to remind everyone that some of this information management will be providing today falls under the guidance of forward-looking statements as defined by the Securities and Exchange Commission. As part of these guidelines, any statements made during this call concerning the company’s hopes, beliefs, expectations and predictions of the future are forward-looking statements and our actual results could differ materially from those projected. Additionally, information on these factors is included in the company’s SEC filings, which are available on the company’s website.

Additionally, management will — management may refer to non-GAAP measures, which are intended to supplement, but not substitute, for the most directly comparable GAAP measures. The press release available on the website contains the financial and quantitative information to be discussed today, as well as the reconciliation of the GAAP to non-GAAP measures.

As a reminder, this conference call is being recorded and will be available for replay through January 30th, 2025. Starting this afternoon, approximately one



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