QCR Holdings, Inc. (NASDAQ:QCRH) Q1 2022 Earnings Conference Call April 27, 2022 11:00 AM ET

Company Participants

Larry Helling - Chief Executive Officer

Todd Gipple - President, Chief Operating Officer and Chief Financial Officer

Conference Call Participants

Nathan Race - Piper Sandler

Jeff Rulis - D.A. Davidson

Damon DelMonte - KBW

Brian Martin - Janney Montgomery

Daniel Tamayo - Raymond James

Disclaimer*: This transcript is designed to be used alongside the freely available audio recording on this page. Timestamps within the transcript are designed to help you navigate the audio should the corresponding text be unclear. The machine-assisted output provided is partly edited and is designed as a guide.

Operator

00:03 Greetings everyone, and welcome to the QCR Holdings, Inc. Earnings Conference Call for the First Quarter of 2022. Yesterday, after our market closed, the company distributed its first 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 www.qcrh.com.

00:27 With us today from management are Larry Helling, CEO; and Todd Gipple, President, COO and CFO. Management will provide a brief summary of the financial results and then open the call to questions from analysts.

00:42 Before we begin, I'd like to remind everyone that some of the information management will be providing today falls under the guidelines 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 actual results could differ materially from those projected. Additional information on these factors is included in the company's SEC filings, which are available on the company's website.

01:16 Additionally, 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 other quantitative information to be discussed today, as well as the reconciliation of the GAAP to non-GAAP measures.

01:37 As a reminder, this conference call is recorded and will be available for replay through May 4th, 2022 starting this afternoon approximately one hour after completion of this call. It will be accessible on the company's website.

01:53 At this time, I'd like to turn the floor over to Mr. Larry Helling at QCR Holdings. Sir, you may begin.