QCR (QCRH) 10-Q 9 May 19 2019 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2019	May 01, 2019
Document and Entity Information [Abstract]
Entity Registrant Name	QCR HOLDINGS INC
Entity Central Index Key	0000906465
Document Type	10-Q
Document Period End Date	Mar. 31, 2019
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Entity Current Reporting Status	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Common Stock, Shares Outstanding (in shares)		15,758,261
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	Q1

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Statement of Financial Position [Abstract]
Cash and due from banks	$ 76,527	$ 85,523
Federal funds sold	1,872	26,398
Interest-bearing deposits at financial institutions	214,160	133,198
Securities held to maturity, at amortized cost	395,302	401,913
Securities available for sale, at fair value	260,447	261,056
Total securities	655,749	662,969
Loans receivable held for sale	1,994	1,295
Loans/leases receivable held for investment	3,797,438	3,731,459
Gross loans/leases receivable	3,799,432	3,732,754
Less allowance for estimated losses on loans/leases	(41,164)	(39,847)
Net loans/leases receivable	3,758,268	3,692,907
Bank-owned life insurance	68,323	67,783
Premises and equipment, net	77,194	75,582
Restricted investment securities	22,904	25,689
Other real estate owned, net	9,110	9,378
Goodwill	77,872	77,832
Intangibles	16,918	17,450
Other assets	87,765	75,001
Total assets	5,066,662	4,949,710
Liabilities and Stockholders' Equity
Noninterest-bearing	821,599	791,102
Interest-bearing	3,372,621	3,185,929
Total deposits	4,194,220	3,977,031
Short-term borrowings	15,886	28,774
Federal Home Loan Bank advances	126,180	266,492
Other borrowings	35,000	67,250
Subordinated notes	68,215	4,782
Junior subordinated debentures	37,713	37,670
Other liabilities	101,041	94,573
Total liabilities	4,578,255	4,476,572
Stockholders' Equity:
Preferred stock, $1 par value; shares authorized 250,000 March 2019 and December 2018- No shares issued or outstanding
Common stock, $1 par value; shares authorized 20,000,000 March 2019 - 15,755,442 shares issued and outstanding December 2018 - 15,718,208 shares issued and outstanding	15,755	15,718
Additional paid-in capital	271,673	270,761
Retained earnings	204,179	192,203
Accumulated other comprehensive loss:
Securities available for sale	(1,131)	(4,268)
Derivatives	(2,069)	(1,276)
Total stockholders' equity	488,407	473,138
Total liabilities and stockholders' equity	$ 5,066,662	$ 4,949,710

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parentheticals) - $ / shares	Mar. 31, 2019	Dec. 31, 2018
Statement of Financial Position [Abstract]
Preferred stock, par value (in dollars per share)	$ 1	$ 1
Preferred stock, authorized (in shares)	250,000	250,000
Preferred stock, issued (in shares)	0	0
Preferred stock, outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock, authorized (in shares)	20,000,000	20,000,000
Common stock, issued (in shares)	15,755,442	15,718,208
Common stock, outstanding (in shares)	15,755,442	15,718,208

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Interest and dividend income:
Loans/leases, including fees	$ 45,568	$ 34,214
Securities:
Taxable	1,666	1,556
Nontaxable	3,545	3,289
Interest-bearing deposits at financial institutions	923	197
Restricted investment securities	307	234
Federal funds sold	93	56
Total interest and dividend income	52,102	39,546
Interest expense:
Deposits	12,479	4,881
Short-term borrowings	71	33
Federal Home Loan Bank advances	903	1,064
Other borrowings	605	718
Subordinated notes.	564
Junior subordinated debentures	572	447
Total interest expense	15,194	7,143
Net interest income	36,908	32,403
Provision for loan/lease losses	2,134	2,540
Net interest income after provision for loan/lease losses	34,774	29,863
Noninterest income:
Revenue	64,095	48,087
Gains on sales of residential real estate loans, net	369	101
Gains on sales of government guaranteed portions of loans, net	31	358
Swap fee income	3,198	959
Earnings on bank-owned life insurance	540	418
Other	1,064	954
Total noninterest income	11,993	8,541
Noninterest expense:
Salaries and employee benefits	20,879	15,978
Occupancy and equipment expense	3,694	3,066
Professional and data processing fees	2,750	2,708
Acquisition costs		93
Post-acquisition compensation, transition and integration costs	134
FDIC insurance, other insurance and regulatory fees	964	756
Loan/lease expense	214	291
Net cost and gains/losses on operations of other real estate	298	132
Advertising and marketing	785	693
Bank service charges	483	440
Correspondent banking expense	204	204
CDI amortization	532	305
Other	1,498	1,197
Total noninterest expense	32,435	25,863
Net income before income taxes	14,332	12,541
Federal and state income tax expense	1,414	1,991
Net income	$ 12,918	$ 10,550
Basic earnings per common share (in dollars per share)	$ 0.82	$ 0.76
Diluted earnings per common share (in dollars per share)	$ 0.81	$ 0.74
Weighted average common shares outstanding (in shares)	15,693,345	13,888,661
Weighted average common and common equivalent shares outstanding (in shares)	15,922,940	14,205,584
Cash dividends declared per common share (in dollars per share)	$ 0.06	$ 0.06
Trust department fees
Noninterest income:
Revenue	$ 2,493	$ 2,237
Investment advisory and management services
Noninterest income:
Revenue	1,736	952
Deposit service fees
Noninterest income:
Revenue	1,554	1,531
Debit card fees
Noninterest income:
Revenue	792	766
Correspondent banking fees
Noninterest income:
Revenue	$ 216	$ 265

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Net income	$ 12,918	$ 10,550
Other comprehensive income (loss):
Unrealized holding gains (losses) arising during the period before tax	4,144	(5,366)
Unrealized gains (losses) on securities available for sale	4,144	(4,511)
Unrealized holding gains (losses) arising during the period before tax	(1,162)	150
Less reclassification adjustment for ineffectiveness and caplet amortization before tax	(157)	(81)
Unrealized gains (losses) on derivatives	(1,005)	231
Other comprehensive income (loss), before tax	3,139	(4,280)
Tax expense (benefit)	795	(1,078)
Other comprehensive income (loss), net of tax	2,344	(3,202)
Comprehensive income	$ 15,262	7,348
ASU 2016-01
Other comprehensive income (loss):
Less reclassification adjustment for adoption of ASU 2016-01		$ 855

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Total
Balance at Dec. 31, 2017	$ 13,918	$ 189,077	$ 151,963	$ (1,671)	$ 353,287
Net income			10,550		10,550
Other comprehensive income (loss), net of tax				(3,202)	(3,202)
Impact of adoption of ASU 2016-01			667	(667)
Common cash dividends declared			(834)		(834)
Issuance of shares of common stock as a result of stock purchased under the Employee Stock Purchase Plan	3	100			103
Issuance of shares of common stock as a result of stock options exercised	13	193			206
Stock-based compensation expense		496			496
Restricted stock awards - shares of common stock	7	(7)
Exchange of shares of common stock in connection with payroll taxes for restricted stock and in connection with stock options exercised	(4)	(174)			(178)
Balance at Mar. 31, 2018	13,937	189,685	162,346	(5,540)	360,428
Balance at Dec. 31, 2018	15,718	270,761	192,203	(5,544)	473,138
Net income			12,918		12,918
Other comprehensive income (loss), net of tax				2,344	2,344
Common cash dividends declared			(942)		(942)
Issuance of shares of common stock as a result of stock purchased under the Employee Stock Purchase Plan	4	124			128
Issuance of shares of common stock as a result of stock options exercised	25	263			288
Stock-based compensation expense		722			722
Restricted stock awards - shares of common stock	13	(50)			(37)
Exchange of shares of common stock in connection with payroll taxes for restricted stock and in connection with stock options exercised	(5)	(147)			(152)
Balance at Mar. 31, 2019	$ 15,755	$ 271,673	$ 204,179	$ (3,200)	$ 488,407

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parentheticals) - $ / shares	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Cash dividends declared per common share (in dollars per share)	$ 0.06	$ 0.06
Common Stock [Member]
Cash dividends declared per common share (in dollars per share)	$ 0.06	$ 0.06
Issuance of shares of common stock as a result of stock purchased under the Employee Stock Purchase Plan (in shares)	4,446	2,669
Issuance of shares of common stock as s result of stock options exercised (in shares)	25,238	13,074
Restricted stock awards (in shares)	12,719	6,860
Exchange of shares of common stock in connection with stock options exercised and restricted stock vested (in shares)	5,169	3,814

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 12,918	$ 10,550
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	1,235	1,021
Provision for loan/lease losses	2,134	2,540
Stock-based compensation expense	722	495
Deferred compensation expense accrued	733	512
Losses (gains) on other real estate owned, net	224	118
Amortization of premiums on securities, net	448	439
Loans originated for sale	(18,034)	(12,939)
Proceeds on sales of loans	17,735	13,764
Gains on sales of residential real estate loans	(369)	(101)
Gains on sales of government guaranteed portions of loans	(31)	(358)
Gains on sales of premises and equipment	(47)
Amortization of core deposit intangible	532	305
Accretion of acquisition fair value adjustments, net	(1,069)	(699)
Increase in cash value of bank-owned life insurance	(540)	(418)
Decrease (increase) in other assets	1,121	(4,438)
Decrease in other liabilities	(9,110)	(2,888)
Net cash provided by operating activities	8,602	7,903
CASH FLOWS FROM INVESTING ACTIVITIES
Net decrease in federal funds sold	24,526	15,692
Net decrease (increase) in interest-bearing deposits at financial institutions	(80,962)	10,714
Proceeds from sales of other real estate owned	202	736
Activity in securities portfolio:
Purchases	(4,079)	(7,100)
Calls, maturities and redemptions	4,510	4,540
Paydowns	10,426	9,085
Activity in restricted investment securities:
Purchases	(3,110)	(4,451)
Redemptions	5,895	1,820
Net increase in loans/leases originated and held for investment	(65,777)	(90,378)
Purchase of premises and equipment	(3,970)	(704)
Proceeds from sales of premises and equipment	117
Net cash used in investing activities	(112,222)	(60,046)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposit accounts	217,257	13,377
Net increase (decrease) in short-term borrowings	(12,888)	2,867
Activity in Federal Home Loan Bank advances:
Term advances	5,000
Calls and maturities	(15,000)
Net change in short-term and overnight advances	(130,365)	24,345
Activity in other borrowings:
Calls, maturities and scheduled principal payments	(1,937)	(1,938)
Prepayments	(21,313)
Paydown of revolving line of credit	(9,000)
Proceeds from subordinated notes	63,393
Payment of cash dividends on common stock	(939)	(693)
Proceeds from issuance of common stock, net	416	309
Net cash provided by financing activities	94,624	38,267
Net decrease in cash and due from banks	(8,996)	(13,876)
Cash and due from banks, beginning	85,523	75,722	$ 75,722
Cash and due from banks, ending	76,527	61,846	$ 85,523
Supplemental disclosure of cash flow information, cash payments (receipts) for:
Interest	14,146	3,655
Income/franchise taxes	(590)	75
Supplemental schedule of noncash investing activities:
Change in accumulated other comprehensive income, unrealized gains on securities available for sale and derivative instruments, net	2,344	(3,202)
Exchange of shares of common stock in connection with payroll taxes for restricted stock and in connection with stock options exercised	(152)	(178)
Transfers of loans to other real estate owned	158	46
Increase in the fair value of back-to-back interest rate swap assets and liabilities	942	834
Dividends payable	$ 13,882	103
Transfer of equity securities from securities available for sale to other assets at fair value		$ 2,614

NOTE 1 - SUMMARY OF SIGNIFICANT

NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	3 Months Ended
	Mar. 31, 2019
Notes to Financial Statements
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Basis of presentation : The interim unaudited consolidated financial statements contained herein should be read in conjunction with the audited consolidated financial statements and accompanying notes to the consolidated financial statements for the fiscal year ended December 31, 2018, included in the Company's Annual Report on Form 10‑K filed with the SEC on March 15, 2019. Accordingly, footnote disclosures, which would substantially duplicate the disclosures contained in the audited consolidated financial statements, have been omitted. The financial information of the Company included herein has been prepared in accordance with GAAP for interim financial reporting and has been prepared pursuant to the rules and regulations for reporting on Form 10‑Q and Rule 10‑01 of Regulation S-X. Such information reflects all adjustments (consisting of normal recurring adjustments) that are, in the opinion of management, necessary for a fair presentation of the financial position and results of operations for the periods presented. Any differences appearing between the numbers presented in financial statements and management's discussion and analysis are due to rounding. The results of the interim period ended March 31, 2019 are not necessarily indicative of the results expected for the year ending December 31, 2019, or for any other period. The acronyms and abbreviations identified below are used throughout this Quarterly Report on Form 10‑Q. It may be helpful to refer back to this page as you read this report. Allowance: Allowance for estimated losses on loans/leases GAAP: Generally Accepted Accounting Principles AOCI: Accumulated other comprehensive income (loss) Guaranty: Guaranty Bankshares, Ltd. AFS: Available for sale Guaranty Bank: Guaranty Bank and Trust Company ASC: Accounting Standards Codification HTM: Held to maturity ASC 805: Business Combination Standard m2: m2 Lease Funds, LLC ASU: Accounting Standards Update NIM: Net interest margin Bates Companies: Bates Financial Advisors, Inc., Bates NPA: Nonperforming asset Financial Services, Inc., Bates Securities, Inc. and NPL: Nonperforming loan Bates Financial Group, Inc. OREO: Other real estate owned BOLI: Bank-owned life insurance OTTI: Other-than-temporary impairment Caps: Interest rate cap derivatives PCI: Purchased credit impaired CDI: Core deposit intangible Provision: Provision for loan/lease losses Community National: Community National Bancorporation QCBT: Quad City Bank & Trust Company CRBT: Cedar Rapids Bank & Trust Company RB&T: Rockford Bank & Trust Company CRE: Commercial real estate ROAA: Return on Average Assets CSB: Community State Bank SBA: U.S. Small Business Administration C&I: Commercial and industrial SEC: Securities and Exchange Commission Dodd-Frank Act: Dodd-Frank Wall Street Reform and SFC Bank: Springfield First Community Bank Consumer Protection Act Springfield Bancshares: Springfield Bancshares, Inc. EPS: Earnings per share TA: Tangible assets Exchange Act: Securities Exchange Act of 1934, as Tax Act: Tax Cuts and Jobs Act amended TCE: Tangible common equity FASB: Financial Accounting Standards Board TDRs: Troubled debt restructurings FDIC: Federal Deposit Insurance Corporation TEY: Tax equivalent yield FHLB: Federal Home Loan Bank The Company: QCR Holdings, Inc. FRB: Federal Reserve Bank of Chicago USDA: U.S. Department of Agriculture The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiaries which include the accounts of five commercial banks: QCBT, CRBT, CSB, SFC Bank and RB&T. All are state-chartered commercial banks and all are members of the Federal Reserve system. The Company also engages in direct financing lease contracts through m2, a wholly-owned subsidiary of QCBT. The Company also engages in wealth management services through its banking subsidiaries and its subsidiaries, the Bates Companies. All material intercompany transactions and balances have been eliminated in consolidation. The acquisition of the Bates Companies, headquartered in Rockford, Illinois, occurred on October 1, 2018. The merger with Springfield Bancshares, the holding company of SFC Bank, headquartered in Springfield, Missouri, occurred on July 1, 2018. The financial results for the periods since acquisition/merger are included in this report. See Note 2 to the Company’s Annual Report on Form 10-K for the year ended December 31, 2018 for additional information about the acquisition and merger. Recent accounting developments : In February 2016, the FASB issued ASU 2016‑02, Leases . Under ASU 2016‑02, lessees will be required to recognize a lease liability measured on a discounted basis and a right-of-use asset for all leases (with the exception of short-term leases). Lessor accounting is largely unchanged under ASU 2016‑02. However, the definition of initial direct costs was updated to include only initial direct costs that are considered incremental. This change in definition will change the manner in which the Company recognizes the costs associated with originating leases. ASU 2016‑02 is effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. Early adoption is permitted for all entities. The standard was adopted on January 1, 2019 and did not have a significant impact on the Company’s Consolidated Financial Statements. In June 2016, the FASB issued ASU 2016‑13, Financial Instruments – Credit Losses . Under the standard, assets measured at amortized costs (including loans, leases and AFS securities) will be presented at the net amount expected to be collected. Rather than the “incurred” model that is currently being utilized, the standard will require the use of a forward-looking approach to recognizing all expected credit losses at the beginning of an asset's life. For public companies, ASU 2016‑13 is effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. Companies may choose to early adopt for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. The Company is in the process of analyzing the impact of adoption on the Company's Consolidated Financial Statements. In January 2017, the FASB issued ASU 2017-04, Intangibles - Goodwill and Other (Topic 350). ASU 2017-04 is intended to simplify goodwill impairment testing by eliminating the second step of the analysis. ASU 2017-04 requires entities to compare the fair value of a reporting unit with its carrying amount and recognize an impairment charge for any amount by which the carrying amount exceeds the reporting unit’s fair value, to the extent that the loss recognized does not exceed the amount of goodwill allocated to that reporting unit. This guidance is effective for annual and interim periods beginning after December 15, 2019, with early adoption permitted. The Company does not expect this guidance to have a significant impact on its Consolidated Financial Statements. Reclassifications : Certain amounts in the prior year's consolidated financial statements have been reclassified, with no effect on net income or stockholders' equity, to conform with the current period presentation.

NOTE 2 - INVESTMENT SECURITIES

NOTE 2 - INVESTMENT SECURITIES	3 Months Ended
	Mar. 31, 2019
Notes to Financial Statements
INVESTMENT SECURITIES	NOTE 2 – INVESTMENT SECURITIES The amortized cost and fair value of investment securities as of March 31, 2019 and December 31, 2018 are summarized as follows: Gross Gross Amortized Unrealized Unrealized Fair Cost Gains (Losses) Value (dollars in thousands) March 31, 2019: Securities HTM: Municipal securities $ 394,252 $ 13,126 $ (2,056) $ 405,322 Other securities 1,050 — (1) 1,049 $ 395,302 $ 13,126 $ (2,057) $ 406,371 Securities AFS: U.S. govt. sponsored agency securities $ 36,141 $ 89 $ (387) $ 35,843 Residential mortgage-backed and related securities 163,438 351 (2,097) 161,692 Municipal securities 55,585 649 (110) 56,124 Other securities 6,754 74 (40) 6,788 $ 261,918 $ 1,163 $ (2,634) $ 260,447 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains (Losses) Value (dollars in thousands) December 31, 2018: Securities HTM: Municipal securities $ 400,863 $ 5,661 $ (6,803) $ 399,721 Other securities 1,050 — (1) 1,049 $ 401,913 $ 5,661 $ (6,804) $ 400,770 Securities AFS: U.S. govt. sponsored agency securities $ 37,150 $ 39 $ (778) $ 36,411 Residential mortgage-backed and related securities 163,698 182 (4,631) 159,249 Municipal securities 59,069 180 (703) 58,546 Other securities 6,754 100 (4) 6,850 $ 266,671 $ 501 $ (6,116) $ 261,056 The Company's HTM municipal securities consist largely of private issues of municipal debt. The large majority of the municipalities are located within the Midwest. The municipal debt investments are underwritten using specific guidelines with ongoing monitoring. The Company's residential mortgage-backed and related securities portfolio consists entirely of government sponsored or government guaranteed securities. The Company has not invested in private mortgage-backed securities or pooled trust preferred securities. Gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position as of March 31, 2019 and December 31, 2018, are summarized as follows: Less than 12 Months 12 Months or More Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses (dollars in thousands) March 31, 2019: Securities HTM: Municipal securities $ 8,722 $ (6) $ 64,045 $ (2,050) $ 72,767 $ (2,056) Other securities — — 549 (1) 549 (1) $ 8,722 $ (6) $ 64,594 $ (2,051) $ 73,316 $ (2,057) Securities AFS: U.S. govt. sponsored agency securities $ 803 $ (9) $ 29,973 $ (378) $ 30,776 $ (387) Residential mortgage-backed and related securities 4,160 (43) 129,508 (2,054) 133,668 (2,097) Municipal securities — — 12,804 (110) 12,804 (110) Other securities 4,214 (40) — — 4,214 (40) $ 9,177 $ (92) $ 172,285 $ (2,542) $ 181,462 $ (2,634) Less than 12 Months 12 Months or More Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses (dollars in thousands) December 31, 2018: Securities HTM: Municipal securities $ 114,201 $ (2,187) $ 69,412 $ (4,616) $ 183,613 $ (6,803) Other securities 549 (1) — — 549 (1) $ 114,750 $ (2,188) $ 69,412 $ (4,616) $ 184,162 $ (6,804) Securities AFS: U.S. govt. sponsored agency securities $ 1,565 $ (34) $ 29,605 $ (744) $ 31,170 $ (778) Residential mortgage-backed and related securities 12,810 (148) 133,535 (4,483) 146,345 (4,631) Municipal securities 28,356 (394) 15,932 (309) 44,288 (703) Other securities 4,249 (4) — — 4,249 (4) $ 46,980 $ (580) $ 179,072 $ (5,536) $ 226,052 $ (6,116) At March 31, 2019, the investment portfolio included 606 securities. Of this number, 182 securities were in an unrealized loss position. The aggregate losses of these securities totaled approximately 0.4% of the total amortized cost of the portfolio. Of these 182 securities, 170 securities had an unrealized loss for twelve months or more. All of the debt securities in unrealized loss positions are considered acceptable credit risks. Based upon an evaluation of the available evidence, including the recent changes in market rates, credit rating information and information obtained from regulatory filings, management believes the declines in fair value for these debt securities are temporary. In addition, the Company lacks the intent to sell these securities and it is not more-likely-than-not that the Company will be required to sell these debt securities before their anticipated recovery. The Company did not recognize OTTI on any investment securities for the three months ended March 31, 2019 and 2018. There were no sales of securities for the three months ended March 31, 2019 and 2018. The amortized cost and fair value of securities as of March 31, 2019 by contractual maturity are shown below. Expected maturities of residential mortgage-backed and related securities may differ from contractual maturities because the residential mortgages underlying the residential mortgage-backed and related securities may be prepaid without any penalties. Therefore, these securities are not included in the maturity categories in the following table. Amortized Cost Fair Value (dollars in thousands) Securities HTM: Due in one year or less $ 2,060 $ 2,064 Due after one year through five years 28,228 28,544 Due after five years 365,014 375,763 $ 395,302 $ 406,371 Securities AFS: Due in one year or less $ 1,375 $ 1,387 Due after one year through five years 52,247 51,874 Due after five years 44,858 45,494 98,480 98,755 Residential mortgage-backed and related securities 163,438 161,692 $ 261,918 $ 260,447 Portions of the U.S. government sponsored agency securities, municipal securities and other securities contain call options, at the discretion of the issuer, to terminate the security at par and at predetermined dates prior to the stated maturity. These callable securities are summarized as follows: Amortized Cost Fair Value (dollars in thousands) Securities HTM: Municipal securities $ 205,929 $ 209,592 Securities AFS: U.S. govt. sponsored agency securities 4,999 4,955 Municipal securities 47,809 48,158 Other securities 6,505 6,541 $ 59,313 $ 59,654 As of March 31, 2019, the Company's municipal securities portfolios were comprised of general obligation bonds issued by 106 issuers with fair values totaling $86.0 million and revenue bonds issued by 161 issuers, primarily consisting of states, counties, towns, villages and school districts with fair values totaling $375.4 million. The Company held investments in general obligation bonds in 25 states, including six states in which the aggregate fair value exceeded $5.0 million. The Company held investments in revenue bonds in 19 states, including seven states in which the aggregate fair value exceeded $5.0 million. As of December 31, 2018, the Company's municipal securities portfolios were comprised of general obligation bonds issued by 110 issuers with fair values totaling $86.4 million and revenue bonds issued by 160 issuers, primarily consisting of states, counties, towns, villages and school districts with fair values totaling $371.9 million. The Company held investments in general obligation bonds in 26 states, including six states in which the aggregate fair value exceeded $5.0 million. The Company held investments in revenue bonds in 19 states, including seven states in which the aggregate fair value exceeded $5.0 million. Both general obligation and revenue bonds are diversified across many issuers. As of March 31, 2019 and December 31, 2018 the Company held revenue bonds of one single issuer, located in Ohio, of which the aggregate book or market value exceeded 5% of the Company’s stockholders’ equity. The issuer’s financial condition is strong and the source of repayment is diversified. The Company monitors the investment and concentration closely. Of the general obligation and revenue bonds in the Company's portfolio, the majority are unrated bonds that represent small, private issuances. All unrated bonds were underwritten according to loan underwriting standards and have an average loan risk rating of 2, indicating very high quality. Additionally, many of these bonds are funding essential municipal services such as water, sewer, education, and medical facilities. The Company's municipal securities are owned by each of the five charters, whose investment policies set forth limits for various subcategories within the municipal securities portfolio. Each charter is monitored individually, and as of March 31, 2019, all were well within policy limitations approved by the board of directors. Policy limits are calculated as a percentage of each charter's total risk-based capital. As of March 31, 2019, the Company's standard monitoring of its municipal securities portfolio had not uncovered any facts or circumstances resulting in significantly different credit ratings than those assigned by a nationally recognized statistical rating organization, or in the case of unrated bonds, the rating assigned using the credit underwriting standards.

NOTE 3 - LOANS_LEASES RECEIVABL

NOTE 3 - LOANS/LEASES RECEIVABLE	3 Months Ended
	Mar. 31, 2019
Notes to Financial Statements
LOANS/LEASES RECEIVABLE	NOTE 3 – LOANS/LEASES RECEIVABLE The composition of the loan/lease portfolio as of March 31, 2019 and December 31, 2018 is presented as follows: As of March 31, As of December 31, 2019 2018 (dollars in thousands) C&I loans * $ 1,479,247 $ 1,429,410 CRE loans Owner-occupied CRE 488,827 500,654 Commercial construction, land development, and other land 267,830 236,787 Other non owner-occupied CRE 1,034,188 1,028,670 1,790,845 1,766,111 Direct financing leases ** 108,543 117,969 Residential real estate loans *** 288,502 290,759 Installment and other consumer loans 123,087 119,381 3,790,224 3,723,630 Plus deferred loan/lease origination costs, net of fees 9,208 9,124 3,799,432 3,732,754 Less allowance (41,164) (39,847) $ 3,758,268 $ 3,692,907 ** Direct financing leases: Net minimum lease payments to be received $ 119,914 $ 130,371 Estimated unguaranteed residual values of leased assets 745 828 Unearned lease/residual income (12,116) (13,230) 108,543 117,969 Plus deferred lease origination costs, net of fees 3,158 3,642 111,701 121,611 Less allowance (1,606) (1,792) $ 110,095 $ 119,819 * Includes equipment financing agreements outstanding at m2, totaling $112.8 million and $103.4 million as of March 31, 2019 and December 31, 2018, respectively. ** Management performs an evaluation of the estimated unguaranteed residual values of leased assets on an annual basis, at a minimum. The evaluation consists of discussions with reputable and current vendors, which is combined with management's expertise and understanding of the current states of particular industries to determine informal valuations of the equipment. As necessary and where available, management will utilize valuations by independent appraisers. The large majority of leases with residual values contain a lease options rider, which requires the lessee to pay the residual value directly, finance the payment of the residual value, or extend the lease term to pay the residual value. In these cases, the residual value is protected and the risk of loss is minimal. There were no losses related to residual values for the three months ended March 31, 2019 and 2018. *** Includes residential real estate loans held for sale totaling $2.0 million and $1.3 million as of March 31, 2019 and December 31, 2018, respectively. Changes in accretable yield for acquired loans were as follows: Three months ended March 31, 2019 PCI Performing Loans Loans Total (dollars in thousands) Balance at the beginning of the period $ (667) $ (9,656) $ (10,324) Accretion recognized 348 826 1,174 Balance at the end of the period $ (319) $ (8,830) $ (9,150) Three months ended March 31, 2018 PCI Performing Loans Loans Total (dollars in thousands) Balance at the beginning of the period $ (191) $ (6,280) $ (6,471) Accretion recognized 34 621 655 Balance at the end of the period $ (157) $ (5,659) $ (5,816) The aging of the loan/lease portfolio by classes of loans/leases as of March 31, 2019 and December 31, 2018 is presented as follows: As of March 31, 2019 Accruing Past 30-59 Days 60-89 Days Due 90 Days or Nonaccrual Classes of Loans/Leases Current Past Due Past Due More Loans/Leases Total (dollars in thousands) C&I $ 1,466,599 $ 1,479 $ 7,171 $ — $ 3,998 $ 1,479,247 CRE Owner-Occupied CRE 487,774 238 613 — 202 488,827 Commercial Construction, Land Development, and Other Land 266,591 699 236 — 304 267,830 Other Non Owner-Occupied CRE 1,028,663 299 400 — 4,826 1,034,188 Direct Financing Leases 105,451 1,151 196 — 1,745 108,543 Residential Real Estate 281,729 4,993 100 — 1,680 288,502 Installment and Other Consumer 121,943 406 26 61 651 123,087 $ 3,758,750 $ 9,265 $ 8,742 $ 61 $ 13,406 $ 3,790,224 As a percentage of total loan/lease portfolio 99.18 % 0.24 % 0.23 % 0.00 % 0.35 % 100.00 % As of December 31, 2018 Accruing Past 30-59 Days 60-89 Days Due 90 Days or Nonaccrual Classes of Loans/Leases Current Past Due Past Due More Loans/Leases Total (dollars in thousands) C&I $ 1,423,406 $ 930 $ 597 $ 389 $ 4,088 $ 1,429,410 CRE Owner-Occupied CRE 500,138 — 193 107 216 500,654 Commercial Construction, Land Development, and Other Land 234,704 1,764 — — 319 236,787 Other Non Owner-Occupied CRE 1,022,664 484 — — 5,522 1,028,670 Direct Financing Leases 114,078 1,642 488 — 1,761 117,969 Residential Real Estate 284,844 3,877 206 89 1,743 290,759 Installment and Other Consumer 118,343 356 24 47 611 119,381 $ 3,698,177 $ 9,053 $ 1,508 $ 632 $ 14,260 $ 3,723,630 As a percentage of total loan/lease portfolio 99.32 % 0.24 % 0.04 % 0.02 % 0.38 % 100.00 % NPLs by classes of loans/leases as of March 31, 2019 and December 31, 2018 are presented as follows: As of March 31, 2019 Accruing Past Due 90 Days or Nonaccrual Percentage of Classes of Loans/Leases More* Loans/Leases* Accruing TDRs Total NPLs Total NPLs (dollars in thousands) C&I $ — $ 3,998 $ 551 $ 4,549 26.35 % CRE Owner-Occupied CRE — 202 104 306 1.77 % Commercial Construction, Land Development, and Other Land — 304 — 304 1.76 % Other Non Owner-Occupied CRE — 4,826 2,984 7,810 45.25 % Direct Financing Leases — 1,745 155 1,900 11.01 % Residential Real Estate — 1,680 — 1,680 9.73 % Installment and Other Consumer 61 651 — 712 4.12 % $ 61 $ 13,406 $ 3,794 $ 17,261 100.00 % * Nonaccrual loans/leases included $1.5 million of TDRs, including $249 thousand in C&I loans, $679 thousand in CRE loans, $279 thousand in direct financing leases, $291 thousand in residential real estate loans, and $3 thousand in installment loans. As of December 31, 2018 Accruing Past Due 90 Days or Nonaccrual Percentage of Classes of Loans/Leases More* Loans/Leases ** Accruing TDRs Total NPLs Total NPLs (dollars in thousands) C&I $ 389 $ 4,088 $ 454 $ 4,931 26.58 % CRE Owner-Occupied CRE 107 216 — 323 1.74 % Commercial Construction, Land Development, and Other Land — 319 — 319 1.72 % Other Non Owner-Occupied CRE — 5,522 2,984 8,506 45.86 % Direct Financing Leases — 1,761 111 1,872 10.09 % Residential Real Estate 89 1,743 100 1,932 10.41 % Installment and Other Consumer 47 611 9 667 3.60 % $ 632 $ 14,260 $ 3,658 $ 18,550 100.00 % * As of December 31, 2018 accruing past due 90 days or more included $496 thousand of TDRs, including $389 thousand in C&I loans and $107 thousand in CRE loans. ** Nonaccrual loans/leases included $2.3 million of TDRs, including $265 thousand in C&I loans, $1.4 million in CRE loans, $321 thousand in direct financing leases, $344 thousand in residential real estate loans, and $3 thousand in installment loans. Changes in the allowance by portfolio segment for the three months ended March 31, 2019 and 2018, respectively, are presented as follows: Three Months Ended March 31, 2019 Direct Financing Residential Real Installment and C&I CRE Leases Estate Other Consumer Total (dollars in thousands) Balance, beginning $ 16,420 $ 17,719 $ 1,792 $ 2,557 $ 1,359 $ 39,847 Provisions (credits) charged to expense 1,007 534 445 (18) 166 2,134 Loans/leases charged off (334) — (652) — (74) (1,060) Recoveries on loans/leases previously charged off 166 50 21 — 6 243 Balance, ending $ 17,259 $ 18,303 $ 1,606 $ 2,539 $ 1,457 $ 41,164 Three Months Ended March 31, 2018 Direct Financing Residential Real Installment and C&I CRE Leases Estate Other Consumer Total (dollars in thousands) Balance, beginning $ 14,323 $ 13,963 $ 2,382 $ 2,466 $ 1,222 $ 34,356 Provisions (credits) charged to expense 808 965 605 (39) 201 2,540 Loans/leases charged off (95) — (284) (52) (5) (436) Recoveries on loans/leases previously charged off 30 10 27 — 6 73 Balance, ending $ 15,066 $ 14,938 $ 2,730 $ 2,375 $ 1,424 $ 36,533 The allowance by impairment evaluation and by portfolio segment as of March 31, 2019 and December 31, 2018 is presented as follows: As of March 31, 2019 Direct Financing Residential Real Installment and C&I CRE Leases Estate Other Consumer Total (dollars in thousands) Allowance for impaired loans/leases $ 841 $ 2,113 $ 142 $ 236 $ 107 $ 3,439 Allowance for nonimpaired loans/leases 16,418 16,190 1,464 2,303 1,350 37,725 $ 17,259 $ 18,303 $ 1,606 $ 2,539 $ 1,457 $ 41,164 Impaired loans/leases $ 4,301 $ 10,155 $ 2,185 $ 1,693 $ 925 $ 19,259 Nonimpaired loans/leases 1,474,946 1,780,690 106,358 286,809 122,162 3,770,965 $ 1,479,247 $ 1,790,845 $ 108,543 $ 288,502 $ 123,087 $ 3,790,224 Allowance as a percentage of impaired loans/leases 19.55 % 20.81 % 6.50 % 13.94 % 11.57 % 17.86 % Allowance as a percentage of nonimpaired loans/leases 1.11 % 0.91 % 1.38 % 0.80 % 1.11 % 1.00 % Total allowance as a percentage of total loans/leases 1.17 % 1.02 % 1.48 % 0.88 % 1.18 % 1.08 % As of December 31, 2018 Direct Financing Residential Real Installment and C&I CRE Leases Estate Other Consumer Total (dollars in thousands) Allowance for impaired loans/leases $ 973 $ 2,124 $ 194 $ 257 $ 111 $ 3,659 Allowance for nonimpaired loans/leases 15,447 15,595 1,598 2,300 1,248 36,188 $ 16,420 $ 17,719 $ 1,792 $ 2,557 $ 1,359 $ 39,847 Impaired loans/leases $ 4,499 $ 10,447 $ 2,249 $ 2,110 $ 898 $ 20,203 Nonimpaired loans/leases 1,424,911 1,755,664 115,720 288,649 118,483 3,703,427 $ 1,429,410 $ 1,766,111 $ 117,969 $ 290,759 $ 119,381 $ 3,723,630 Allowance as a percentage of impaired loans/leases 21.62 % 20.33 % 8.63 % 12.18 % 12.38 % 18.11 % Allowance as a percentage of nonimpaired loans/leases 1.08 % 0.89 % 1.38 % 0.80 % 1.05 % 0.98 % Total allowance as a percentage of total loans/leases 1.15 % 1.00 % 1.52 % 0.88 % 1.14 % 1.07 % Information for impaired loans/leases is presented in the tables below. The recorded investment represents customer balances net of any partial charge-offs recognized on the loan/lease. The unpaid principal balance represents the recorded balance outstanding on the loan/lease prior to any partial charge-offs. Loans/leases, by classes of financing receivable, considered to be impaired as of and for the three months ended March 31, 2019 are presented as follows: Interest Income Average Recognized for Recorded Unpaid Principal Related Recorded Interest Income Cash Payments Classes of Loans/Leases Investment Balance Allowance Investment Recognized Received (dollars in thousands) Impaired Loans/Leases with No Specific Allowance Recorded: C&I $ 2,256 $ 2,300 $ — $ 2,124 $ 23 $ 23 CRE Owner-Occupied CRE 104 104 — 106 6 6 Commercial Construction, Land Development, and Other Land 500 500 — 503 7 7 Other Non Owner-Occupied CRE 1,675 1,675 — 1,687 22 22 Direct Financing Leases 1,948 1,948 — 2,011 11 11 Residential Real Estate 705 779 — 713 — — Installment and Other Consumer 778 778 — 770 3 3 $ 7,966 $ 8,084 $ — $ 7,914 $ 72 $ 72 Impaired Loans/Leases with Specific Allowance Recorded: C&I $ 2,045 $ 2,045 $ 841 $ 1,946 $ 9 $ 9 CRE Owner-Occupied CRE 289 646 33 297 — — Commercial Construction, Land Development, and Other Land 144 144 28 146 — — Other Non Owner-Occupied CRE 7,443 7,443 2,052 7,510 48 48 Direct Financing Leases 237 237 142 206 — — Residential Real Estate 988 988 236 915 1 1 Installment and Other Consumer 147 147 107 137 — — $ 11,293 $ 11,650 $ 3,439 $ 11,157 $ 58 $ 58 Total Impaired Loans/Leases: C&I $ 4,301 $ 4,345 $ 841 $ 4,070 $ 32 $ 32 CRE Owner-Occupied CRE 393 750 33 403 6 6 Commercial Construction, Land Development, and Other Land 644 644 28 649 7 7 Other Non Owner-Occupied CRE 9,118 9,118 2,052 9,197 70 70 Direct Financing Leases 2,185 2,185 142 2,217 11 11 Residential Real Estate 1,693 1,767 236 1,628 1 1 Installment and Other Consumer 925 925 107 907 3 3 $ 19,259 $ 19,734 $ 3,439 $ 19,071 $ 130 $ 130 Loans/leases, by classes of financing receivable, considered to be impaired as of and for the three months ended March 31, 2018 are presented as follows: Interest Income Average Recognized for Recorded Unpaid Principal Related Recorded Interest Income Cash Payments Classes of Loans/Leases Investment Balance Allowance Investment Recognized Received (dollars in thousands) Impaired Loans/Leases with No Specific Allowance Recorded: C&I $ 5,039 $ 5,053 $ — $ 5,298 $ 75 $ 75 CRE Owner-Occupied CRE 289 289 — 289 6 6 Commercial Construction, Land Development, and Other Land — — — — — — Other Non Owner-Occupied CRE 1,227 1,227 — 1,236 — — Direct Financing Leases 1,928 1,928 — 2,356 6 6 Residential Real Estate 912 987 — 884 — — Installment and Other Consumer 141 141 — 120 — — $ 9,536 $ 9,625 $ — $ 10,183 $ 87 $ 87 Impaired Loans/Leases with Specific Allowance Recorded: C&I $ 958 $ 958 $ 567 $ 825 $ 2 $ 2 CRE Owner-Occupied CRE 148 148 44 150 — — Commercial Construction, Land Development, and Other Land 5,430 5,430 1,627 5,137 — — Other Non Owner-Occupied CRE — — — — — — Direct Financing Leases 1,048 1,048 628 963 — — Residential Real Estate 547 570 249 544 3 3 Installment and Other Consumer 140 140 112 128 — — $ 8,271 $ 8,294 $ 3,227 $ 7,747 $ 5 $ 5 Total Impaired Loans/Leases: C&I $ 5,997 $ 6,011 $ 567 $ 6,123 $ 77 $ 77 CRE Owner-Occupied CRE 437 437 44 439 6 6 Commercial Construction, Land Development, and Other Land 5,430 5,430 1,627 5,137 — — Other Non Owner-Occupied CRE 1,227 1,227 — 1,236 — — Direct Financing Leases 2,976 2,976 628 3,319 6 6 Residential Real Estate 1,459 1,557 249 1,428 3 3 Installment and Other Consumer 281 281 112 248 — — $ 17,807 $ 17,919 $ 3,227 $ 17,930 $ 92 $ 92 Loans/leases, by classes of financing receivable, considered to be impaired as of December 31, 2018 are presented as follows: Unpaid Recorded Principal Related Classes of Loans/Leases Investment Balance Allowance (dollars in thousands) Impaired Loans/Leases with No Specific Allowance Recorded: C&I $ 1,846 $ 4,540 $ — CRE Owner-Occupied CRE 106 106 — Commercial Construction, Land Development, and Other Land 507 507 — Other Non Owner-Occupied CRE 1,804 1,804 — Direct Financing Leases 1,929 1,929 — Residential Real Estate 984 1,058 — Installment and Other Consumer 762 762 — $ 7,938 $ 10,706 $ — Impaired Loans/Leases with Specific Allowance Recorded: C&I $ 2,653 $ 2,653 $ 973 CRE Owner-Occupied CRE 304 660 39 Commercial Construction, Land Development, and Other Land 149 149 33 Other Non Owner-Occupied CRE 7,577 7,577 2,052 Direct Financing Leases 320 320 194 Residential Real Estate 1,126 1,126 257 Installment and Other Consumer 136 136 111 $ 12,265 $ 12,621 $ 3,659 Total Impaired Loans/Leases: C&I $ 4,499 $ 7,193 $ 973 CRE Owner-Occupied CRE 410 766 39 Commercial Construction, Land Development, and Other Land 656 656 33 Other Non Owner-Occupied CRE 9,381 9,381 2,052 Direct Financing Leases 2,249 2,249 194 Residential Real Estate 2,110 2,184 257 Installment and Other Consumer 898 898 111 $ 20,203 $ 23,327 $ 3,659 Impaired loans/leases for which no allowance has been provided have adequate collateral, based on management's current estimates. For C&I and CRE loans, the Company's credit quality indicator consists of internally assigned risk ratings. Each commercial loan is assigned a risk rating upon origination. The risk rating is reviewed every 15 months, at a minimum, and on an as-needed basis depending on the specific circumstances of the loan. For certain C&I loans (equipment financing agreements), direct financing leases, residential real estate loans, and installment and other consumer loans, the Company's credit quality indicator is performance determined by delinquency status. Delinquency status is updated daily by the Company's loan system. For each class of financing receivable, the following presents the recorded investment by credit quality indicator as of March 31, 2019 and December 31, 2018: As of March 31, 2019 CRE Non-Owner Occupied Commercial Construction, Land Owner-Occupied Development, As a % of Internally Assigned Risk Rating C&I CRE and Other Land Other CRE Total Total (dollars in thousands) Pass (Ratings 1 through 5) $ 1,333,088 $ 481,630 $ 263,078 $ 1,011,063 $ 3,088,859 97.83 % Special Mention (Rating 6) 17,813 4,721 65 2,170 24,769 0.78 % Substandard (Rating 7) 15,578 2,476 4,687 20,955 43,696 1.38 % Doubtful (Rating 8) — — — — — — % $ 1,366,479 $ 488,827 $ 267,830 $ 1,034,188 $ 3,157,324 100.00 % As of March 31, 2019 Direct Financing Residential Real Installment and As a % of Delinquency Status * C&I Leases Estate Other Consumer Total Total (dollars in thousands) Performing $ 112,371 $ 106,642 $ 286,822 $ 122,374 $ 628,209 99.26 % Nonperforming 397 1,901 1,680 713 4,691 0.74 % $ 112,768 $ 108,543 $ 288,502 $ 123,087 $ 632,900 100.00 % As of December 31, 2018 CRE Non-Owner Occupied Commercial Construction, Land Owner-Occupied Development, As a % of Internally Assigned Risk Rating C&I CRE and Other Land Other CRE Total Total (dollars in thousands) Pass (Ratings 1 through 5) $ 1,294,418 $ 487,949 $ 230,473 $ 1,008,626 $ 3,021,466 97.72 % Special Mention (Rating 6) 23,302 9,599 3,848 5,309 42,058 1.36 % Substandard (Rating 7) 8,286 3,106 2,466 14,735 28,593 0.92 % Doubtful (Rating 8) — — — — — — % $ 1,326,006 $ 500,654 $ 236,787 $ 1,028,670 $ 3,092,117 100.00 % As of December 31, 2018 Direct Financing Residential Real Installment and As a % of Delinquency Status * C&I Leases Estate Other Consumer Total Total (dollars in thousands) Performing $ 102,713 $ 116,097 $ 288,827 $ 118,714 $ 626,351 99.18 % Nonperforming 691 1,872 1,932 667 5,162 0.82 % $ 103,404 $ 117,969 $ 290,759 $ 119,381 $ 631,513 100.00 % * Performing = loans/leases accruing and less than 90 days past due. Nonperforming = loans/leases on nonaccrual, accruing loans/leases that are greater than or equal to 90 days past due, and accruing TDRs. As of March 31, 2019 and December 31, 2018, TDRs totaled $5.3 million and $6.5 million, respectively. For each class of financing receivable, the following presents the number and recorded investment of TDRs, by type of concession, that were restructured during the three months ended March 31, 2019 and 2018. The difference between the pre-modification recorded investment and the post-modification recorded investment would be any partial charge-offs at the time of the restructuring. For the three months ended March 31, 2019 Pre- Post- Modification Modification Number of Recorded Recorded Specific Classes of Loans/Leases Loans / Leases Investment Investment Allowance (dollars in thousands) CONCESSION - Significant Payment Delay Direct Financing Leases 4 122,126 122,126 — 4 $ 122,126 $ 122,126 $ — For the three months ended March 31, 2018 Pre- Post- Modification Modification Number of Recorded Recorded Specific Classes of Loans/Leases Loans/Leases Investment Investment Allowance (dollars in thousands) CONCESSION - Significant Payment Delay Residential Real Estate 1 $ 46 $ 46 $ — Direct Financing Leases 2 48 48 — 3 $ 94 $ 94 $ — Of the loans restructured during the three months ended March 31, 2019, none were on nonaccrual. Of the loans restructured during the three months ended March 31, 2018, one with a post-modification recorded balance of $46 thousand was on nonaccrual. For the three months ended March 31, 2019, none of the Company's TDRs redefaulted within 12 months subsequent to restructure where default is defined as delinquency of 90 days or more and/or placement on nonaccrual status. For the three months ended March 31, 2018, eight of the Company's TDRs redefaulted within 12 months subsequent to restructure where default is defined as delinquency of 90 days or more and/or placement on nonaccrual status. Three of these TDRs were related to one customer whose loans were restructured in the second quarter of 2017 with pre-modification balances totaling $78 thousand and the other TDRs related to another customer whose loans were restructured in the second and third quarters of 2017 with pre-modification balances totaling $378 thousand. Not included in the table above, the Company had two TDRs that were restructured and charged off for the three months ended March 31, 2019, totaling $56 thousand. The Company had two TDRs that were restructured and charged off for the three months ended March 31, 2018, totaling $95 thousand.

NOTE 4 - DERIVATIVES

NOTE 4 - DERIVATIVES	3 Months Ended
	Mar. 31, 2019
Notes to Financial Statements
Derivatives and Hedging Activities	NOTE 4 – DERIVATIVES The Company uses interest rate swap and cap instruments to manage interest rate risk related to the variability of interest payments due to changes in interest rates. The Company entered into interest rate caps on June 5, 2014 to hedge against the risk of rising interest rates on short-term liabilities. The short-term liabilities consist of $30.0 million of 1-month FHLB advances, and the benchmark rate hedged is 1-month LIBOR. The interest rate caps are designated as a cash flow hedge in accordance with ASC 815. An initial premium of $2.1 million was paid upfront for the two caps. The details of the interest rate caps are as follows: Balance Sheet 1-Month LIBOR Fair Value as of Hedged Instrument Effective Date Maturity Date Location Notional Amount Strike Rate March 31, 2019 December 31, 2018 (dollars in thousands) 1-month FHLB Advance 6/3/2014 6/5/2019 Other Assets $ % $ 56 $ 117 1-month FHLB Advance 6/5/2014 6/5/2021 Other Assets % 241 342 $ $ 297 $ 459 On June 21, 2018, the Company entered into interest rate swaps to hedge against the risk of rising rates on its variable rate trust preferred securities. The floating rate trust preferred securities are tied to 3-month LIBOR, and the interest rate swaps utilize 3-month LIBOR, so the hedge is effective. The interest rate swaps are designated as a cash flow hedge in accordance with ASC 815. The details of the interest rate swaps are as follows: Balance Sheet Fair Value as of Hedged Instrument Effective Date Maturity Date Location Notional Amount Receive Rate Pay Rate March 31, 2019 December 31, 2018 (dollars in thousands) QCR Holdings Statutory Trust II 9/30/2018 9/30/2028 Other Liabilities $ % % $ (557) $ (298) QCR Holdings Statutory Trust III 9/30/2018 9/30/2028 Other Liabilities % % (445) (239) QCR Holdings Statutory Trust V 7/7/2018 7/7/2028 Other Liabilities % % (540) (288) Community National Statutory Trust II 9/20/2018 9/20/2028 Other Liabilities % % (166) (89) Community National Statutory Trust III 9/15//2018 9/15/2028 Other Liabilities % % (194) (104) Guaranty Bankshares Statutory Trust I 9/15/2018 9/15/2028 Other Liabilities % % (249) (133) $ % % $ (2,151) $ (1,151) Changes in fair values of derivatives designated as cash flow hedgers are recorded in OCI to the extent the hedge is effective, and reclassified to earnings as the hedged transaction (interest payments on debt) impact earnings. The caps and swaps are valued by the transaction counterparty on a monthly basis and corroborated by a third party annually. The Company has also entered into interest rate swap contracts that are not designated as hedging instruments. These derivative contracts relate to transactions in which the Company enters into an interest rate swap with a customer while at the same time entering into an equal and offsetting interest rate swap with a third party financial institution. Because the Company acts as an intermediary for the customer, changes in the fair value of the underlying derivative contracts, for the most part, offset each other and do not significantly impact the Company’s results of operations. March 31, 2019 December 31, 2018 Notional Amount Estimated Fair Value Notional Amount Estimated Fair Value (dollars in thousands) Non-Hedging Interest Rate Derivatives Assets: Interest rate swap contracts $ $ $ $ Non-Hedging Interest Rate Derivatives Liabilities: Interest rate swap contracts $ $ $ $ Swap fee income totaled $3.2 million and $959 thousand for the three months ended March 31, 2019 and 2018, respectively. Swap fee income totaled $10.8 million for the year ended December 31, 2018.

NOTE 5 - SUBORDINATED NOTES

NOTE 5 - SUBORDINATED NOTES	3 Months Ended
	Mar. 31, 2019
Subordinated Borrowings [Abstract]
SUBORDINATED NOTES	NOTE 5 – SUBORDINATED NOTES On February 12, 2019, the Company completed an underwritten public offering of $65.0 million in aggregate principal amount of fixed-to-floating subordinated notes that mature on February 15, 2029. Net proceeds, after deducting the underwriting discount and estimated expenses, were $63.4 million. The subordinated notes, which qualify as Tier 2 capital for the Company, are at a fixed rate of 5.375% per year until but excluding February 15, 2024. On this date, the interest rate will change to an annual floating rate equal to three-month LIBOR plus 282 basis points until the maturity date. The interest on the subordinated notes are payable semi-annually, commencing on August 15, 2019 during the five year fixed term and thereafter quarterly, commencing on February 15, 2024. The subordinated notes have an optional redemption at par in whole or in part on any interest payment date on or after February 15, 2024. The subordinated notes are subordinate in the right of payment to the Company’s senior indebtedness and the indebtedness and other liabilities of the subsidiary banks. Unamortized debt issuance costs related to the subordinated notes totaled $1.6 million at March 31, 2019. Immediately following the issuance, the Company repaid term notes totaling $21.3 million and the outstanding balance of $9.0 million on its revolving line of credit. The Company intends to use the remaining net proceeds from this offering for general corporate purposes, including the pursuit of opportunistic acquisitions of similar or complementary financial service organizations, repaying indebtedness, financing investments and capital expenditures, repurchasing shares of the Company’s common stock, investing in the subsidiary banks as regulatory capital or other strategic opportunities that may arise in the future.

NOTE 6 - EARNINGS PER SHARE

NOTE 6 - EARNINGS PER SHARE	3 Months Ended
	Mar. 31, 2019
Notes to Financial Statements
Earnings Per Share [Text Block]	NOTE 6 - EARNINGS PER SHARE The following information was used in the computation of EPS on a basic and diluted basis: Three months ended March 31, 2019 2018 (dollars in thousands, except share data) Net income $ 12,918 $ 10,550 Basic EPS $ 0.82 $ 0.76 Diluted EPS $ 0.81 $ 0.74 Weighted average common shares outstanding 15,693,345 13,888,661 Weighted average common shares issuable upon exercise of stock options and under the employee stock purchase plan 229,595 316,923 Weighted average common and common equivalent shares outstanding 15,922,940 14,205,584 The increase in weighted average common shares outstanding when comparing the three months ended March 31, 2019 to March 31, 2018 was primarily due to the common stock issuance as a result of the merger with Springfield Banshares as discussed in Note 2 of the Company’s Annual Report on Form 10-K for the year ended December 31, 2018.

NOTE 7 - FAIR VALUE

NOTE 7 - FAIR VALUE	3 Months Ended
	Mar. 31, 2019
Fair Value.
FAIR VALUE	NOTE 7 – FAIR VALUE Accounting guidance on fair value measurement uses a hierarchy intended to maximize the use of observable inputs and minimize the use of unobservable inputs. This hierarchy includes three levels and is based upon the valuation techniques used to measure assets and liabilities. The three levels are as follows: · Level 1 – Inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in markets; · Level 2 – Inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument; and · Level 3 – Inputs to the valuation methodology are unobservable and significant to the fair value measurement. Assets and liabilities measured at fair value on a recurring basis comprise the following at March 31, 2019 and December 31, 2018: Fair Value Measurements at Reporting Date Using Quoted Prices Significant in Active Other Significant Markets for Observable Unobservable Identical Assets Inputs Inputs Fair Value (Level 1) (Level 2) (Level 3) (dollars in thousands) March 31, 2019: Securities AFS: U.S. govt. sponsored agency securities $ 35,843 $ — $ 35,843 $ — Residential mortgage-backed and related securities 161,692 — 161,692 — Municipal securities 56,124 — 56,124 — Other securities 6,788 — 6,788 — Interest rate caps 297 — 297 — Interest rate swaps - assets 36,078 — 36,078 — Total assets measured at fair value $ 296,822 $ — $ 296,822 $ — Interest rate swaps - liabilities $ 38,229 $ — $ 38,229 $ — Total liabilities measured at fair value $ 38,229 $ — $ 38,229 $ — December 31, 2018: Securities AFS: U.S. govt. sponsored agency securities $ 36,411 $ — $ 36,411 $ — Residential mortgage-backed and related securities 159,249 — 159,249 — Municipal securities 58,546 — 58,546 — Other securities 6,850 — 6,850 — Interest rate caps 459 — 459 — Interest rate swaps - assets 22,196 — 22,196 — Total assets measured at fair value $ 283,711 $ — $ 283,711 $ — Interest rate swaps - liabilities $ 23,347 $ — $ 23,347 $ — Total liabilities measured at fair value $ 23,347 $ — $ 23,347 $ — There were no transfers of assets or liabilities between Levels 1, 2, and 3 of the fair value hierarchy for the three months ended March 31, 2019 or 2018. The securities AFS portfolio consists of securities whereby the Company obtains fair values from an independent pricing service. The fair values are determined by pricing models that consider observable market data, such as interest rate volatilities, LIBOR yield curve, credit spreads and prices from market makers and live trading systems (Level 2 inputs). Interest rate caps are used for the purpose of hedging interest rate risk. The interest rate caps are further described in Note 4 to the Consolidated Financial Statements. The fair values are determined by pricing models that consider observable market data for derivative instruments with similar structures (Level 2 inputs). Interest rate swaps are executed for select commercial customers. The interest rate swaps are further described in Note 4 to the Consolidated Financial Statements. The fair values are determined by comparing the contract rate on the swap with the then-current market rate for the remaining term of the transaction (Level 2 inputs). Interest rate swaps are also used for the purpose of hedging interest rate risk on junior subordinated debt. The interest rate swaps are further described in Note 4 to the Consolidated Financial Statements. The fair values are determined by comparing the contract rate on the swap with the then-current market rate for the remaining term of the transaction (Level 2 inputs). Certain financial assets are measured at fair value on a non-recurring basis; that is, the assets are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment). Assets measured at fair value on a non-recurring basis comprise the following at March 31, 2019 and December 31, 2018: Fair Value Measurements at Reporting Date Using Quoted Prices Significant in Active Other Significant Markets for Observable Unobservable Identical Assets Inputs Inputs Fair Value Level 1 Level 2 Level 3 (dollars in thousands) March 31, 2019: Impaired loans/leases $ 8,665 $ — $ — $ 8,665 OREO 9,838 — — 9,838 $ 18,503 $ — $ — $ 18,503 December 31, 2018: Impaired loans/leases $ 9,657 $ — $ — $ 9,657 OREO 10,128 — — 10,128 $ 19,785 $ — $ — $ 19,785 Impaired loans/leases are evaluated and valued at the time the loan/lease is identified as impaired, at the lower of cost or fair value, and are classified as Level 3 in the fair value hierarchy. Fair value is measured based on the value of the collateral securing these loans/leases. Collateral may be real estate and/or business assets, including equipment, inventory and/or accounts receivable, and is determined based on appraisals by qualified licensed appraisers hired by the Company. Appraised and reported values are discounted based on management's historical knowledge, changes in market conditions from the time of valuation, and/or management's expertise and knowledge of the client and client's business. OREO in the table above consists of property acquired through foreclosures and settlements of loans. Property acquired is carried at the estimated fair value of the property, less disposal costs, and is classified as Level 3 in the fair value hierarchy. The estimated fair value of the property is determined based on appraisals by qualified licensed appraisers hired by the Company. Appraised and reported values are discounted based on management's historical knowledge, changes in market conditions from the time of valuation, and/or management's expertise and knowledge of the property. The following table presents additional quantitative information about assets measured at fair value on a non-recurring basis for which the Company has utilized Level 3 inputs to determine fair value: Quantitative Information about Level Fair Value Measurements Fair Value Fair Value March 31, December 31, 2019 2018 Valuation Technique Unobservable Input Range (dollars in thousands) Impaired loans/leases $ 8,665 $ 9,657 Appraisal of collateral Appraisal adjustments % to % OREO 9,838 10,128 Appraisal of collateral Appraisal adjustments % to % For the impaired loans/leases and OREO, the Company records carrying value at fair value less disposal or selling costs. The amounts reported in the tables above are fair values before the adjustment for disposal or selling costs. There have been no changes in valuation techniques used for any assets or liabilities measured at fair value during the three months ended March 31, 2019 and 2018. The following table presents the carrying values and estimated fair values of financial assets and liabilities carried on the Company's consolidated balance sheets, including those financial assets and liabilities that are not measured and reported at fair value on a recurring basis or non-recurring basis: Fair Value As of March 31, 2019 As of December 31, 2018 Hierarchy Carrying Estimated Carrying Estimated Level Value Fair Value Value Fair Value (dollars in thousands) Cash and due from banks Level 1 $ 76,527 $ 76,527 $ 85,523 $ 85,523 Federal funds sold Level 2 1,872 1,872 26,398 26,398 Interest-bearing deposits at financial institutions Level 2 214,160 214,160 133,198 133,198 Investment securities: HTM Level 2 395,302 406,371 401,913 400,771 AFS See Previous Table 260,447 260,447 261,056 261,056 Loans/leases receivable, net Level 3 8,023 8,665 8,942 9,657 Loans/leases receivable, net Level 2 3,750,245 3,711,945 3,683,965 3,639,329 Interest rate caps Level 2 297 297 459 459 Interest rate swaps - assets Level 2 36,078 36,078 22,196 22,196 Deposits: Nonmaturity deposits Level 2 3,159,581 3,159,581 3,002,327 3,002,327 Time deposits Level 2 1,034,639 1,025,570 974,704 968,906 Short-term borrowings Level 2 15,886 15,886 28,774 28,774 FHLB advances Level 2 126,180 126,273 266,492 265,926 Other borrowings Level 2 35,000 35,954 67,250 67,770 Subordinated notes Level 2 68,215 68,379 4,782 4,933 Junior subordinated debentures Level 2 37,713 30,366 37,670 29,992 Interest rate swaps - liabilities Level 2 38,229 38,229 23,347 23,347

NOTE 8 - BUSINESS SEGMENT INFOR

NOTE 8 - BUSINESS SEGMENT INFORMATION	3 Months Ended
	Mar. 31, 2019
Notes to Financial Statements
BUSINESS SEGMENT INFORMATION	NOTE 8 – BUSINESS SEGMENT INFORMATION Selected financial and descriptive information is required to be disclosed for reportable operating segments, applying a “management perspective” as the basis for identifying reportable segments. The management perspective is determined by the view that management takes of the segments within the Company when making operating decisions, allocating resources, and measuring performance. The segments of the Company have been defined by the structure of the Company's internal organization, focusing on the financial information that the Company's operating decision-makers routinely use to make decisions about operating matters. The Company's primary segment, Commercial Banking, is geographically divided by markets into the secondary segments comprised of the five subsidiary banks wholly owned by the Company: QCBT, CRBT, CSB, SFC Bank and RB&T. Each of these secondary segments offers similar products and services, but is managed separately due to different pricing, product demand, and consumer markets. Each offers commercial, consumer, and mortgage loans and deposit services. The Company's Wealth Management segment represents the trust and asset management and investment management and advisory services offered at the Company's five subsidiary banks and the Bates Companies in aggregate. This segment generates income primarily from fees charged based on assets under administration for corporate and personal trusts, custodial services, and investments managed. No assets of the subsidiary banks have been allocated to the Wealth Management segment. The Company's All Other segment includes the operations of all other consolidated subsidiaries and/or defined operating segments that fall below the segment reporting thresholds. This segment includes the corporate operations of the parent company. Selected financial information on the Company's business segments is presented as follows as of and for the three months ended March 31, 2019 and 2018. Commercial Banking Wealth Intercompany Consolidated QCBT CRBT CSB SFC Bank RB&T Management All other Eliminations Total (dollars in thousands) Three Months Ended March 31, 2019 Total revenue $ 18,544 $ 19,244 $ 9,270 $ 7,288 $ 5,596 $ 4,229 $ 14,582 $ (14,658) $ 64,095 Net interest income 12,139 10,407 6,966 5,227 3,428 — (1,259) — 36,908 Provision 1,020 425 150 500 39 — — — 2,134 Net income (loss) 4,185 5,100 2,157 1,653 517 1,158 12,598 (14,450) 12,918 Goodwill 3,223 14,980 9,888 45,975 — — 3,806 — 77,872 Intangibles — 3,061 4,501 7,501 — — 1,855 — 16,918 Total assets 1,660,374 1,446,637 785,076 638,542 513,045 — 624,420 (601,432) 5,066,662 Three Months Ended March 31, 2018 Total revenue $ 15,808 $ 15,997 $ 8,163 $ — $ 4,998 $ 3,189 $ 12,533 $ (12,600) $ 48,087 Net interest income 12,120 10,836 6,744 — 3,465 — (762) — 32,403 Provision 1,120 602 576 — 242 — — — 2,540 Net income (loss) 4,458 4,617 1,869 — 741 771 10,514 (12,420) 10,550 Goodwill 3,223 15,223 9,888 — — — — — 28,334 Intangibles — 3,567 5,207 — — — — — 8,774 Total assets 1,526,829 1,331,209 696,979 — 468,112 — 447,592 (444,407) 4,026,314

NOTE 9 - REGULATORY CAPITAL REQ

NOTE 9 - REGULATORY CAPITAL REQUIREMENTS	3 Months Ended
	Mar. 31, 2019
Notes to Financial Statements
REGULATORY CAPITAL REQUIREMENTS	NOTE 9 – REGULATORY CAPITAL REQUIREMENTS The Company (on a consolidated basis) and the subsidiary banks are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company and subsidiary banks' financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the subsidiary banks must meet specific capital guidelines that involve quantitative measures of their assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Company and the subsidiary banks to maintain minimum amounts and ratios (set forth in the following table) of total common equity Tier 1 and Tier 1 capital to risk-weighted assets and of Tier 1 capital to average assets, each as defined by regulation. Management believes, as of March 31, 2019 and December 31, 2018, that the Company and the subsidiary banks met all capital adequacy requirements to which they are subject. Under the regulatory framework for prompt corrective action, to be categorized as “well capitalized,” an institution must maintain minimum total risk-based, Tier 1 risk-based, Tier 1 leverage and common equity Tier 1 ratios as set forth in the following tables. The Company and the subsidiary banks' actual capital amounts and ratios as of March 31, 2019 and December 31, 2018 are presented in the following table (dollars in thousands). As of March 31, 2019 and December 31, 2018, each of the subsidiary banks met the requirements to be “well capitalized”. For Capital To Be Well Adequacy Purposes Capitalized Under For Capital With Capital Prompt Corrective Actual Adequacy Purposes Conservation Buffer* Action Provisions Amount Ratio Amount Ratio Amount Ratio Amount Ratio As of March 31, 2019: Company: Total risk-based capital $ 538,030 12.26 % $ 351,173 > 8.00 % $ 460,914 > 10.50 % $ 438,966 > 10.00 % Tier 1 risk-based capital 433,453 9.87 % 263,379 > 6.00 373,121 > 8.50 351,173 > 8.00 Tier 1 leverage 433,453 8.90 % 194,905 > 4.00 194,905 > 4.00 243,632 > 5.00 Common equity Tier 1 395,740 9.02 % 197,535 > 4.50 307,276 > 7.00 295,328 > 6.50 Quad City Bank & Trust: Total risk-based capital $ 166,864 11.59 % $ 115,131 > 8.00 % $ 151,110 > 10.50 % $ 143,914 > 10.00 % Tier 1 risk-based capital 153,375 10.66 % 86,349 > 6.00 122,327 > 8.50 115,131 > 8.00 Tier 1 leverage 153,375 9.21 % 66,621 > 4.00 66,621 > 4.00 83,277 > 5.00 Common equity Tier 1 153,375 10.66 % 64,761 > 4.50 100,740 > 7.00 93,544 > 6.50 Cedar Rapids Bank & Trust: Total risk-based capital $ 152,230 11.59 % $ 105,103 > 8.00 % $ 137,947 > 10.50 % $ 131,379 > 10.00 % Tier 1 risk-based capital 139,406 10.61 % 78,827 > 6.00 111,672 > 8.50 105,103 > 8.00 Tier 1 leverage 139,406 10.03 % 55,617 > 4.00 55,617 > 4.00 69,521 > 5.00 Common equity Tier 1 139,406 10.61 % 59,120 > 4.50 91,965 > 7.00 85,396 > 6.50 Community State Bank: Total risk-based capital $ 82,640 12.23 % $ 54,069 > 8.00 % $ 70,966 > 10.50 % $ 67,587 > 10.00 % Tier 1 risk-based capital 76,329 11.29 % 40,552 > 6.00 57,449 > 8.50 54,069 > 8.00 Tier 1 leverage 76,329 9.97 % 30,630 > 4.00 30,630 > 4.00 38,287 > 5.00 Common equity Tier 1 76,329 11.29 % 30,414 > 4.50 47,311 > 7.00 43,931 > 6.50 Springfield First Community Bank: Total risk-based capital $ 62,958 13.04 % $ 38,639 > 8.00 % $ 50,713 > 10.50 % $ 48,298 > 10.00 % Tier 1 risk-based capital 56,666 11.73 % 28,979 > 6.00 41,053 > 8.50 38,639 > 8.00 Tier 1 leverage 56,666 10.36 % 21,883 > 4.00 21,883 > 4.00 27,353 > 5.00 Common equity Tier 1 56,666 11.73 % 21,734 > 4.50 33,809 > 7.00 31,394 > 6.50 Rockford Bank & Trust: Total risk-based capital $ 51,286 10.93 % $ 37,530 > 8.00 % $ 49,259 > 10.50 % $ 46,913 > 10.00 % Tier 1 risk-based capital 45,408 9.68 % 28,148 > 6.00 39,876 > 8.50 37,530 > 8.00 Tier 1 leverage 45,408 8.84 % 20,544 > 4.00 20,544 > 4.00 25,681 > 5.00 Common equity Tier 1 45,408 9.68 % 21,111 > 4.50 32,839 > 7.00 30,494 > 6.50 For Capital To Be Well Adequacy Purposes Capitalized Under For Capital With Capital Prompt Corrective Actual Adequacy Purposes Conservation Buffer Action Provisions Amount Ratio Amount Ratio Amount Ratio Amount Ratio As of December 31, 2018: Company: Total risk-based capital $ 460,416 10.69 % $ 344,551 > 8.00 % $ 425,305 > 9.875 % $ 430,689 > 10.00 % Tier 1 risk-based capital 420,569 9.77 % 258,413 > 6.00 339,168 > 7.875 344,551 > 8.00 Tier 1 leverage 420,569 8.87 % 189,858 > 4.00 189,858 > 4.000 237,322 > 5.00 Common equity Tier 1 382,899 8.89 % 193,810 > 4.50 274,564 > 6.375 279,948 > 6.50 Quad City Bank & Trust: Total risk-based capital $ 162,009 11.38 % $ 113,900 > 8.00 % $ 140,596 > 9.875 % $ 142,376 > 10.00 % Tier 1 risk-based capital 148,529 10.43 % 85,425 > 6.00 112,121 > 7.875 113,900 > 8.00 Tier 1 leverage 148,529 9.04 % 65,744 > 4.00 65,744 > 4.000 82,180 > 5.00 Common equity Tier 1 148,529 10.43 % 64,069 > 4.50 90,764 > 6.375 92,544 > 6.50 Cedar Rapids Bank & Trust: Total risk-based capital $ 146,292 11.55 % $ 101,310 > 8.00 % $ 125,054 > 9.875 % $ 126,637 > 10.00 % Tier 1 risk-based capital 133,982 10.58 % 75,982 > 6.00 99,727 > 7.875 101,310 > 8.00 Tier 1 leverage 133,982 9.98 % 53,682 > 4.00 53,682 > 4.000 67,103 > 5.00 Common equity Tier 1 133,982 10.58 % 56,987 > 4.50 80,731 > 6.375 82,314 > 6.50 Community State Bank: Total risk-based capital $ 75,233 11.24 % $ 53,567 > 8.00 % $ 66,122 > 9.875 % $ 66,959 > 10.00 % Tier 1 risk-based capital 69,101 10.32 % 40,175 > 6.00 52,730 > 7.875 53,567 > 8.00 Tier 1 leverage 69,101 9.19 % 30,070 > 4.00 30,070 > 4.000 37,588 > 5.00 Common equity Tier 1 69,101 10.32 % 30,131 > 4.50 42,686 > 6.375 43,523 > 6.50 Springfield First Community Bank: Total risk-based capital $ 57,051 12.24 % $ 37,278 > 8.00 % $ 46,016 > 9.875 % $ 46,598 > 10.00 % Tier 1 risk-based capital 51,279 11.00 % 27,959 > 6.00 36,696 > 7.875 37,278 > 8.00 Tier 1 leverage 51,279 9.39 % 21,849 > 4.00 21,849 > 4.000 27,312 > 5.00 Common equity Tier 1 51,279 11.00 % 20,969 > 4.50 29,706 > 6.375 30,289 > 6.50 Rockford Bank & Trust: Total risk-based capital $ 50,648 10.89 % $ 37,208 > 8.00 % $ 45,929 > 9.875 % $ 46,511 > 10.00 % Tier 1 risk-based capital 44,821 9.64 % 27,906 > 6.00 36,627 > 7.875 37,208 > 8.00 Tier 1 leverage 44,821 8.93 % 20,081 > 4.00 20,081 > 4.000 25,101 > 5.00 Common equity Tier 1 44,821 9.64 % 20,930 > 4.50 29,650 > 6.375 30,232 > 6.50 * March 31, 2019 minimums reflect the fully phased-in ratios (including the capital conservation buffer).

NOTE 1 - SUMMARY OF SIGNIFICA_2

NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	3 Months Ended
	Mar. 31, 2019
Accounting Policies
Basis of presentation	Basis of presentation : The interim unaudited consolidated financial statements contained herein should be read in conjunction with the audited consolidated financial statements and accompanying notes to the consolidated financial statements for the fiscal year ended December 31, 2018, included in the Company's Annual Report on Form 10‑K filed with the SEC on March 15, 2019. Accordingly, footnote disclosures, which would substantially duplicate the disclosures contained in the audited consolidated financial statements, have been omitted. The financial information of the Company included herein has been prepared in accordance with GAAP for interim financial reporting and has been prepared pursuant to the rules and regulations for reporting on Form 10‑Q and Rule 10‑01 of Regulation S-X. Such information reflects all adjustments (consisting of normal recurring adjustments) that are, in the opinion of management, necessary for a fair presentation of the financial position and results of operations for the periods presented. Any differences appearing between the numbers presented in financial statements and management's discussion and analysis are due to rounding. The results of the interim period ended March 31, 2019 are not necessarily indicative of the results expected for the year ending December 31, 2019, or for any other period. The acronyms and abbreviations identified below are used throughout this Quarterly Report on Form 10‑Q. It may be helpful to refer back to this page as you read this report. Allowance: Allowance for estimated losses on loans/leases GAAP: Generally Accepted Accounting Principles AOCI: Accumulated other comprehensive income (loss) Guaranty: Guaranty Bankshares, Ltd. AFS: Available for sale Guaranty Bank: Guaranty Bank and Trust Company ASC: Accounting Standards Codification HTM: Held to maturity ASC 805: Business Combination Standard m2: m2 Lease Funds, LLC ASU: Accounting Standards Update NIM: Net interest margin Bates Companies: Bates Financial Advisors, Inc., Bates NPA: Nonperforming asset Financial Services, Inc., Bates Securities, Inc. and NPL: Nonperforming loan Bates Financial Group, Inc. OREO: Other real estate owned BOLI: Bank-owned life insurance OTTI: Other-than-temporary impairment Caps: Interest rate cap derivatives PCI: Purchased credit impaired CDI: Core deposit intangible Provision: Provision for loan/lease losses Community National: Community National Bancorporation QCBT: Quad City Bank & Trust Company CRBT: Cedar Rapids Bank & Trust Company RB&T: Rockford Bank & Trust Company CRE: Commercial real estate ROAA: Return on Average Assets CSB: Community State Bank SBA: U.S. Small Business Administration C&I: Commercial and industrial SEC: Securities and Exchange Commission Dodd-Frank Act: Dodd-Frank Wall Street Reform and SFC Bank: Springfield First Community Bank Consumer Protection Act Springfield Bancshares: Springfield Bancshares, Inc. EPS: Earnings per share TA: Tangible assets Exchange Act: Securities Exchange Act of 1934, as Tax Act: Tax Cuts and Jobs Act amended TCE: Tangible common equity FASB: Financial Accounting Standards Board TDRs: Troubled debt restructurings FDIC: Federal Deposit Insurance Corporation TEY: Tax equivalent yield FHLB: Federal Home Loan Bank The Company: QCR Holdings, Inc. FRB: Federal Reserve Bank of Chicago USDA: U.S. Department of Agriculture The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiaries which include the accounts of five commercial banks: QCBT, CRBT, CSB, SFC Bank and RB&T. All are state-chartered commercial banks and all are members of the Federal Reserve system. The Company also engages in direct financing lease contracts through m2, a wholly-owned subsidiary of QCBT. The Company also engages in wealth management services through its banking subsidiaries and its subsidiaries, the Bates Companies. All material intercompany transactions and balances have been eliminated in consolidation. The acquisition of the Bates Companies, headquartered in Rockford, Illinois, occurred on October 1, 2018. The merger with Springfield Bancshares, the holding company of SFC Bank, headquartered in Springfield, Missouri, occurred on July 1, 2018. The financial results for the periods since acquisition/merger are included in this report. See Note 2 to the Company’s Annual Report on Form 10-K for the year ended December 31, 2018 for additional information about the acquisition and merger.
Recent accounting developments	Recent accounting developments : In February 2016, the FASB issued ASU 2016‑02, Leases . Under ASU 2016‑02, lessees will be required to recognize a lease liability measured on a discounted basis and a right-of-use asset for all leases (with the exception of short-term leases). Lessor accounting is largely unchanged under ASU 2016‑02. However, the definition of initial direct costs was updated to include only initial direct costs that are considered incremental. This change in definition will change the manner in which the Company recognizes the costs associated with originating leases. ASU 2016‑02 is effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. Early adoption is permitted for all entities. The standard was adopted on January 1, 2019 and did not have a significant impact on the Company’s Consolidated Financial Statements. In June 2016, the FASB issued ASU 2016‑13, Financial Instruments – Credit Losses . Under the standard, assets measured at amortized costs (including loans, leases and AFS securities) will be presented at the net amount expected to be collected. Rather than the “incurred” model that is currently being utilized, the standard will require the use of a forward-looking approach to recognizing all expected credit losses at the beginning of an asset's life. For public companies, ASU 2016‑13 is effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. Companies may choose to early adopt for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. The Company is in the process of analyzing the impact of adoption on the Company's Consolidated Financial Statements. In January 2017, the FASB issued ASU 2017-04, Intangibles - Goodwill and Other (Topic 350). ASU 2017-04 is intended to simplify goodwill impairment testing by eliminating the second step of the analysis. ASU 2017-04 requires entities to compare the fair value of a reporting unit with its carrying amount and recognize an impairment charge for any amount by which the carrying amount exceeds the reporting unit’s fair value, to the extent that the loss recognized does not exceed the amount of goodwill allocated to that reporting unit. This guidance is effective for annual and interim periods beginning after December 15, 2019, with early adoption permitted. The Company does not expect this guidance to have a significant impact on its Consolidated Financial Statements.
Reclassifications	Reclassifications : Certain amounts in the prior year's consolidated financial statements have been reclassified, with no effect on net income or stockholders' equity, to conform with the current period presentation.

NOTE 2 - INVESTMENT SECURITIES

NOTE 2 - INVESTMENT SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2019
Notes Tables
Amortized cost and fair value of investment securities	Gross Gross Amortized Unrealized Unrealized Fair Cost Gains (Losses) Value (dollars in thousands) March 31, 2019: Securities HTM: Municipal securities $ 394,252 $ 13,126 $ (2,056) $ 405,322 Other securities 1,050 — (1) 1,049 $ 395,302 $ 13,126 $ (2,057) $ 406,371 Securities AFS: U.S. govt. sponsored agency securities $ 36,141 $ 89 $ (387) $ 35,843 Residential mortgage-backed and related securities 163,438 351 (2,097) 161,692 Municipal securities 55,585 649 (110) 56,124 Other securities 6,754 74 (40) 6,788 $ 261,918 $ 1,163 $ (2,634) $ 260,447 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains (Losses) Value (dollars in thousands) December 31, 2018: Securities HTM: Municipal securities $ 400,863 $ 5,661 $ (6,803) $ 399,721 Other securities 1,050 — (1) 1,049 $ 401,913 $ 5,661 $ (6,804) $ 400,770 Securities AFS: U.S. govt. sponsored agency securities $ 37,150 $ 39 $ (778) $ 36,411 Residential mortgage-backed and related securities 163,698 182 (4,631) 159,249 Municipal securities 59,069 180 (703) 58,546 Other securities 6,754 100 (4) 6,850 $ 266,671 $ 501 $ (6,116) $ 261,056
Securities have been in a continuous unrealized loss position	Less than 12 Months 12 Months or More Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses (dollars in thousands) March 31, 2019: Securities HTM: Municipal securities $ 8,722 $ (6) $ 64,045 $ (2,050) $ 72,767 $ (2,056) Other securities — — 549 (1) 549 (1) $ 8,722 $ (6) $ 64,594 $ (2,051) $ 73,316 $ (2,057) Securities AFS: U.S. govt. sponsored agency securities $ 803 $ (9) $ 29,973 $ (378) $ 30,776 $ (387) Residential mortgage-backed and related securities 4,160 (43) 129,508 (2,054) 133,668 (2,097) Municipal securities — — 12,804 (110) 12,804 (110) Other securities 4,214 (40) — — 4,214 (40) $ 9,177 $ (92) $ 172,285 $ (2,542) $ 181,462 $ (2,634) Less than 12 Months 12 Months or More Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses (dollars in thousands) December 31, 2018: Securities HTM: Municipal securities $ 114,201 $ (2,187) $ 69,412 $ (4,616) $ 183,613 $ (6,803) Other securities 549 (1) — — 549 (1) $ 114,750 $ (2,188) $ 69,412 $ (4,616) $ 184,162 $ (6,804) Securities AFS: U.S. govt. sponsored agency securities $ 1,565 $ (34) $ 29,605 $ (744) $ 31,170 $ (778) Residential mortgage-backed and related securities 12,810 (148) 133,535 (4,483) 146,345 (4,631) Municipal securities 28,356 (394) 15,932 (309) 44,288 (703) Other securities 4,249 (4) — — 4,249 (4) $ 46,980 $ (580) $ 179,072 $ (5,536) $ 226,052 $ (6,116)
Investments classified by maturity date	Amortized Cost Fair Value (dollars in thousands) Securities HTM: Due in one year or less $ 2,060 $ 2,064 Due after one year through five years 28,228 28,544 Due after five years 365,014 375,763 $ 395,302 $ 406,371 Securities AFS: Due in one year or less $ 1,375 $ 1,387 Due after one year through five years 52,247 51,874 Due after five years 44,858 45,494 98,480 98,755 Residential mortgage-backed and related securities 163,438 161,692 $ 261,918 $ 260,447
Schedule of investment in callable securities	Amortized Cost Fair Value (dollars in thousands) Securities HTM: Municipal securities $ 205,929 $ 209,592 Securities AFS: U.S. govt. sponsored agency securities 4,999 4,955 Municipal securities 47,809 48,158 Other securities 6,505 6,541 $ 59,313 $ 59,654

NOTE 3 - LOANS_LEASES RECEIVA_2

NOTE 3 - LOANS/LEASES RECEIVABLE (Tables)	3 Months Ended
	Mar. 31, 2019
Notes Tables
Composition of the loan/lease portfolio	As of March 31, As of December 31, 2019 2018 (dollars in thousands) C&I loans * $ 1,479,247 $ 1,429,410 CRE loans Owner-occupied CRE 488,827 500,654 Commercial construction, land development, and other land 267,830 236,787 Other non owner-occupied CRE 1,034,188 1,028,670 1,790,845 1,766,111 Direct financing leases ** 108,543 117,969 Residential real estate loans *** 288,502 290,759 Installment and other consumer loans 123,087 119,381 3,790,224 3,723,630 Plus deferred loan/lease origination costs, net of fees 9,208 9,124 3,799,432 3,732,754 Less allowance (41,164) (39,847) $ 3,758,268 $ 3,692,907 ** Direct financing leases: Net minimum lease payments to be received $ 119,914 $ 130,371 Estimated unguaranteed residual values of leased assets 745 828 Unearned lease/residual income (12,116) (13,230) 108,543 117,969 Plus deferred lease origination costs, net of fees 3,158 3,642 111,701 121,611 Less allowance (1,606) (1,792) $ 110,095 $ 119,819 * Includes equipment financing agreements outstanding at m2, totaling $112.8 million and $103.4 million as of March 31, 2019 and December 31, 2018, respectively. ** Management performs an evaluation of the estimated unguaranteed residual values of leased assets on an annual basis, at a minimum. The evaluation consists of discussions with reputable and current vendors, which is combined with management's expertise and understanding of the current states of particular industries to determine informal valuations of the equipment. As necessary and where available, management will utilize valuations by independent appraisers. The large majority of leases with residual values contain a lease options rider, which requires the lessee to pay the residual value directly, finance the payment of the residual value, or extend the lease term to pay the residual value. In these cases, the residual value is protected and the risk of loss is minimal. There were no losses related to residual values for the three months ended March 31, 2019 and 2018. *** Includes residential real estate loans held for sale totaling $2.0 million and $1.3 million as of March 31, 2019 and December 31, 2018, respectively.
Changes in accretable yield fo acquired loans	Three months ended March 31, 2019 PCI Performing Loans Loans Total (dollars in thousands) Balance at the beginning of the period $ (667) $ (9,656) $ (10,324) Accretion recognized 348 826 1,174 Balance at the end of the period $ (319) $ (8,830) $ (9,150) Three months ended March 31, 2018 PCI Performing Loans Loans Total (dollars in thousands) Balance at the beginning of the period $ (191) $ (6,280) $ (6,471) Accretion recognized 34 621 655 Balance at the end of the period $ (157) $ (5,659) $ (5,816)
Aging of the loan/lease portfolio by classes of loans/leases	As of March 31, 2019 Accruing Past 30-59 Days 60-89 Days Due 90 Days or Nonaccrual Classes of Loans/Leases Current Past Due Past Due More Loans/Leases Total (dollars in thousands) C&I $ 1,466,599 $ 1,479 $ 7,171 $ — $ 3,998 $ 1,479,247 CRE Owner-Occupied CRE 487,774 238 613 — 202 488,827 Commercial Construction, Land Development, and Other Land 266,591 699 236 — 304 267,830 Other Non Owner-Occupied CRE 1,028,663 299 400 — 4,826 1,034,188 Direct Financing Leases 105,451 1,151 196 — 1,745 108,543 Residential Real Estate 281,729 4,993 100 — 1,680 288,502 Installment and Other Consumer 121,943 406 26 61 651 123,087 $ 3,758,750 $ 9,265 $ 8,742 $ 61 $ 13,406 $ 3,790,224 As a percentage of total loan/lease portfolio 99.18 % 0.24 % 0.23 % 0.00 % 0.35 % 100.00 % As of December 31, 2018 Accruing Past 30-59 Days 60-89 Days Due 90 Days or Nonaccrual Classes of Loans/Leases Current Past Due Past Due More Loans/Leases Total (dollars in thousands) C&I $ 1,423,406 $ 930 $ 597 $ 389 $ 4,088 $ 1,429,410 CRE Owner-Occupied CRE 500,138 — 193 107 216 500,654 Commercial Construction, Land Development, and Other Land 234,704 1,764 — — 319 236,787 Other Non Owner-Occupied CRE 1,022,664 484 — — 5,522 1,028,670 Direct Financing Leases 114,078 1,642 488 — 1,761 117,969 Residential Real Estate 284,844 3,877 206 89 1,743 290,759 Installment and Other Consumer 118,343 356 24 47 611 119,381 $ 3,698,177 $ 9,053 $ 1,508 $ 632 $ 14,260 $ 3,723,630 As a percentage of total loan/lease portfolio 99.32 % 0.24 % 0.04 % 0.02 % 0.38 % 100.00 %
NPLs by classes of loans/leases	As of March 31, 2019 Accruing Past Due 90 Days or Nonaccrual Percentage of Classes of Loans/Leases More* Loans/Leases* Accruing TDRs Total NPLs Total NPLs (dollars in thousands) C&I $ — $ 3,998 $ 551 $ 4,549 26.35 % CRE Owner-Occupied CRE — 202 104 306 1.77 % Commercial Construction, Land Development, and Other Land — 304 — 304 1.76 % Other Non Owner-Occupied CRE — 4,826 2,984 7,810 45.25 % Direct Financing Leases — 1,745 155 1,900 11.01 % Residential Real Estate — 1,680 — 1,680 9.73 % Installment and Other Consumer 61 651 — 712 4.12 % $ 61 $ 13,406 $ 3,794 $ 17,261 100.00 % * Nonaccrual loans/leases included $1.5 million of TDRs, including $249 thousand in C&I loans, $679 thousand in CRE loans, $279 thousand in direct financing leases, $291 thousand in residential real estate loans, and $3 thousand in installment loans. As of December 31, 2018 Accruing Past Due 90 Days or Nonaccrual Percentage of Classes of Loans/Leases More* Loans/Leases ** Accruing TDRs Total NPLs Total NPLs (dollars in thousands) C&I $ 389 $ 4,088 $ 454 $ 4,931 26.58 % CRE Owner-Occupied CRE 107 216 — 323 1.74 % Commercial Construction, Land Development, and Other Land — 319 — 319 1.72 % Other Non Owner-Occupied CRE — 5,522 2,984 8,506 45.86 % Direct Financing Leases — 1,761 111 1,872 10.09 % Residential Real Estate 89 1,743 100 1,932 10.41 % Installment and Other Consumer 47 611 9 667 3.60 % $ 632 $ 14,260 $ 3,658 $ 18,550 100.00 % * As of December 31, 2018 accruing past due 90 days or more included $496 thousand of TDRs, including $389 thousand in C&I loans and $107 thousand in CRE loans. ** Nonaccrual loans/leases included $2.3 million of TDRs, including $265 thousand in C&I loans, $1.4 million in CRE loans, $321 thousand in direct financing leases, $344 thousand in residential real estate loans, and $3 thousand in installment loans.
Allowance for credit losses on financing receivables	Changes in the allowance by portfolio segment for the three months ended March 31, 2019 and 2018, respectively, are presented as follows: Three Months Ended March 31, 2019 Direct Financing Residential Real Installment and C&I CRE Leases Estate Other Consumer Total (dollars in thousands) Balance, beginning $ 16,420 $ 17,719 $ 1,792 $ 2,557 $ 1,359 $ 39,847 Provisions (credits) charged to expense 1,007 534 445 (18) 166 2,134 Loans/leases charged off (334) — (652) — (74) (1,060) Recoveries on loans/leases previously charged off 166 50 21 — 6 243 Balance, ending $ 17,259 $ 18,303 $ 1,606 $ 2,539 $ 1,457 $ 41,164 Three Months Ended March 31, 2018 Direct Financing Residential Real Installment and C&I CRE Leases Estate Other Consumer Total (dollars in thousands) Balance, beginning $ 14,323 $ 13,963 $ 2,382 $ 2,466 $ 1,222 $ 34,356 Provisions (credits) charged to expense 808 965 605 (39) 201 2,540 Loans/leases charged off (95) — (284) (52) (5) (436) Recoveries on loans/leases previously charged off 30 10 27 — 6 73 Balance, ending $ 15,066 $ 14,938 $ 2,730 $ 2,375 $ 1,424 $ 36,533 The allowance by impairment evaluation and by portfolio segment as of March 31, 2019 and December 31, 2018 is presented as follows: As of March 31, 2019 Direct Financing Residential Real Installment and C&I CRE Leases Estate Other Consumer Total (dollars in thousands) Allowance for impaired loans/leases $ 841 $ 2,113 $ 142 $ 236 $ 107 $ 3,439 Allowance for nonimpaired loans/leases 16,418 16,190 1,464 2,303 1,350 37,725 $ 17,259 $ 18,303 $ 1,606 $ 2,539 $ 1,457 $ 41,164 Impaired loans/leases $ 4,301 $ 10,155 $ 2,185 $ 1,693 $ 925 $ 19,259 Nonimpaired loans/leases 1,474,946 1,780,690 106,358 286,809 122,162 3,770,965 $ 1,479,247 $ 1,790,845 $ 108,543 $ 288,502 $ 123,087 $ 3,790,224 Allowance as a percentage of impaired loans/leases 19.55 % 20.81 % 6.50 % 13.94 % 11.57 % 17.86 % Allowance as a percentage of nonimpaired loans/leases 1.11 % 0.91 % 1.38 % 0.80 % 1.11 % 1.00 % Total allowance as a percentage of total loans/leases 1.17 % 1.02 % 1.48 % 0.88 % 1.18 % 1.08 % As of December 31, 2018 Direct Financing Residential Real Installment and C&I CRE Leases Estate Other Consumer Total (dollars in thousands) Allowance for impaired loans/leases $ 973 $ 2,124 $ 194 $ 257 $ 111 $ 3,659 Allowance for nonimpaired loans/leases 15,447 15,595 1,598 2,300 1,248 36,188 $ 16,420 $ 17,719 $ 1,792 $ 2,557 $ 1,359 $ 39,847 Impaired loans/leases $ 4,499 $ 10,447 $ 2,249 $ 2,110 $ 898 $ 20,203 Nonimpaired loans/leases 1,424,911 1,755,664 115,720 288,649 118,483 3,703,427 $ 1,429,410 $ 1,766,111 $ 117,969 $ 290,759 $ 119,381 $ 3,723,630 Allowance as a percentage of impaired loans/leases 21.62 % 20.33 % 8.63 % 12.18 % 12.38 % 18.11 % Allowance as a percentage of nonimpaired loans/leases 1.08 % 0.89 % 1.38 % 0.80 % 1.05 % 0.98 % Total allowance as a percentage of total loans/leases 1.15 % 1.00 % 1.52 % 0.88 % 1.14 % 1.07 %
Impaired financing receivables	Loans/leases, by classes of financing receivable, considered to be impaired as of and for the three months ended March 31, 2019 are presented as follows: Interest Income Average Recognized for Recorded Unpaid Principal Related Recorded Interest Income Cash Payments Classes of Loans/Leases Investment Balance Allowance Investment Recognized Received (dollars in thousands) Impaired Loans/Leases with No Specific Allowance Recorded: C&I $ 2,256 $ 2,300 $ — $ 2,124 $ 23 $ 23 CRE Owner-Occupied CRE 104 104 — 106 6 6 Commercial Construction, Land Development, and Other Land 500 500 — 503 7 7 Other Non Owner-Occupied CRE 1,675 1,675 — 1,687 22 22 Direct Financing Leases 1,948 1,948 — 2,011 11 11 Residential Real Estate 705 779 — 713 — — Installment and Other Consumer 778 778 — 770 3 3 $ 7,966 $ 8,084 $ — $ 7,914 $ 72 $ 72 Impaired Loans/Leases with Specific Allowance Recorded: C&I $ 2,045 $ 2,045 $ 841 $ 1,946 $ 9 $ 9 CRE Owner-Occupied CRE 289 646 33 297 — — Commercial Construction, Land Development, and Other Land 144 144 28 146 — — Other Non Owner-Occupied CRE 7,443 7,443 2,052 7,510 48 48 Direct Financing Leases 237 237 142 206 — — Residential Real Estate 988 988 236 915 1 1 Installment and Other Consumer 147 147 107 137 — — $ 11,293 $ 11,650 $ 3,439 $ 11,157 $ 58 $ 58 Total Impaired Loans/Leases: C&I $ 4,301 $ 4,345 $ 841 $ 4,070 $ 32 $ 32 CRE Owner-Occupied CRE 393 750 33 403 6 6 Commercial Construction, Land Development, and Other Land 644 644 28 649 7 7 Other Non Owner-Occupied CRE 9,118 9,118 2,052 9,197 70 70 Direct Financing Leases 2,185 2,185 142 2,217 11 11 Residential Real Estate 1,693 1,767 236 1,628 1 1 Installment and Other Consumer 925 925 107 907 3 3 $ 19,259 $ 19,734 $ 3,439 $ 19,071 $ 130 $ 130 Loans/leases, by classes of financing receivable, considered to be impaired as of and for the three months ended March 31, 2018 are presented as follows: Interest Income Average Recognized for Recorded Unpaid Principal Related Recorded Interest Income Cash Payments Classes of Loans/Leases Investment Balance Allowance Investment Recognized Received (dollars in thousands) Impaired Loans/Leases with No Specific Allowance Recorded: C&I $ 5,039 $ 5,053 $ — $ 5,298 $ 75 $ 75 CRE Owner-Occupied CRE 289 289 — 289 6 6 Commercial Construction, Land Development, and Other Land — — — — — — Other Non Owner-Occupied CRE 1,227 1,227 — 1,236 — — Direct Financing Leases 1,928 1,928 — 2,356 6 6 Residential Real Estate 912 987 — 884 — — Installment and Other Consumer 141 141 — 120 — — $ 9,536 $ 9,625 $ — $ 10,183 $ 87 $ 87 Impaired Loans/Leases with Specific Allowance Recorded: C&I $ 958 $ 958 $ 567 $ 825 $ 2 $ 2 CRE Owner-Occupied CRE 148 148 44 150 — — Commercial Construction, Land Development, and Other Land 5,430 5,430 1,627 5,137 — — Other Non Owner-Occupied CRE — — — — — — Direct Financing Leases 1,048 1,048 628 963 — — Residential Real Estate 547 570 249 544 3 3 Installment and Other Consumer 140 140 112 128 — — $ 8,271 $ 8,294 $ 3,227 $ 7,747 $ 5 $ 5 Total Impaired Loans/Leases: C&I $ 5,997 $ 6,011 $ 567 $ 6,123 $ 77 $ 77 CRE Owner-Occupied CRE 437 437 44 439 6 6 Commercial Construction, Land Development, and Other Land 5,430 5,430 1,627 5,137 — — Other Non Owner-Occupied CRE 1,227 1,227 — 1,236 — — Direct Financing Leases 2,976 2,976 628 3,319 6 6 Residential Real Estate 1,459 1,557 249 1,428 3 3 Installment and Other Consumer 281 281 112 248 — — $ 17,807 $ 17,919 $ 3,227 $ 17,930 $ 92 $ 92 Loans/leases, by classes of financing receivable, considered to be impaired as of December 31, 2018 are presented as follows: Unpaid Recorded Principal Related Classes of Loans/Leases Investment Balance Allowance (dollars in thousands) Impaired Loans/Leases with No Specific Allowance Recorded: C&I $ 1,846 $ 4,540 $ — CRE Owner-Occupied CRE 106 106 — Commercial Construction, Land Development, and Other Land 507 507 — Other Non Owner-Occupied CRE 1,804 1,804 — Direct Financing Leases 1,929 1,929 — Residential Real Estate 984 1,058 — Installment and Other Consumer 762 762 — $ 7,938 $ 10,706 $ — Impaired Loans/Leases with Specific Allowance Recorded: C&I $ 2,653 $ 2,653 $ 973 CRE Owner-Occupied CRE 304 660 39 Commercial Construction, Land Development, and Other Land 149 149 33 Other Non Owner-Occupied CRE 7,577 7,577 2,052 Direct Financing Leases 320 320 194 Residential Real Estate 1,126 1,126 257 Installment and Other Consumer 136 136 111 $ 12,265 $ 12,621 $ 3,659 Total Impaired Loans/Leases: C&I $ 4,499 $ 7,193 $ 973 CRE Owner-Occupied CRE 410 766 39 Commercial Construction, Land Development, and Other Land 656 656 33 Other Non Owner-Occupied CRE 9,381 9,381 2,052 Direct Financing Leases 2,249 2,249 194 Residential Real Estate 2,110 2,184 257 Installment and Other Consumer 898 898 111 $ 20,203 $ 23,327 $ 3,659
Financing receivable credit quality indicators	As of March 31, 2019 CRE Non-Owner Occupied Commercial Construction, Land Owner-Occupied Development, As a % of Internally Assigned Risk Rating C&I CRE and Other Land Other CRE Total Total (dollars in thousands) Pass (Ratings 1 through 5) $ 1,333,088 $ 481,630 $ 263,078 $ 1,011,063 $ 3,088,859 97.83 % Special Mention (Rating 6) 17,813 4,721 65 2,170 24,769 0.78 % Substandard (Rating 7) 15,578 2,476 4,687 20,955 43,696 1.38 % Doubtful (Rating 8) — — — — — — % $ 1,366,479 $ 488,827 $ 267,830 $ 1,034,188 $ 3,157,324 100.00 % As of December 31, 2018 CRE Non-Owner Occupied Commercial Construction, Land Owner-Occupied Development, As a % of Internally Assigned Risk Rating C&I CRE and Other Land Other CRE Total Total (dollars in thousands) Pass (Ratings 1 through 5) $ 1,294,418 $ 487,949 $ 230,473 $ 1,008,626 $ 3,021,466 97.72 % Special Mention (Rating 6) 23,302 9,599 3,848 5,309 42,058 1.36 % Substandard (Rating 7) 8,286 3,106 2,466 14,735 28,593 0.92 % Doubtful (Rating 8) — — — — — — % $ 1,326,006 $ 500,654 $ 236,787 $ 1,028,670 $ 3,092,118 100.00 %
Financing receivable credit quality indicators performance status	As of March 31, 2019 Direct Financing Residential Real Installment and As a % of Delinquency Status * C&I Leases Estate Other Consumer Total Total (dollars in thousands) Performing $ 112,371 $ 106,642 $ 286,822 $ 122,374 $ 628,209 99.26 % Nonperforming 397 1,901 1,680 713 4,691 0.74 % $ 112,768 $ 108,543 $ 288,502 $ 123,087 $ 632,900 100.00 % As of December 31, 2018 Direct Financing Residential Real Installment and As a % of Delinquency Status * C&I Leases Estate Other Consumer Total Total (dollars in thousands) Performing $ 102,713 $ 116,097 $ 288,827 $ 118,714 $ 626,351 99.18 % Nonperforming 691 1,872 1,932 667 5,162 0.82 % $ 103,404 $ 117,969 $ 290,759 $ 119,381 $ 631,513 100.00 % * Performing = loans/leases accruing and less than 90 days past due. Nonperforming = loans/leases on nonaccrual, accruing loans/leases that are greater than or equal to 90 days past due, and accruing TDRs.
Number and recorded investment of TDRs, by type of concession	For the three months ended March 31, 2019 Pre- Post- Modification Modification Number of Recorded Recorded Specific Classes of Loans/Leases Loans / Leases Investment Investment Allowance (dollars in thousands) CONCESSION - Significant Payment Delay Direct Financing Leases 4 122,126 122,126 — 4 $ 122,126 $ 122,126 $ — For the three months ended March 31, 2018 Pre- Post- Modification Modification Number of Recorded Recorded Specific Classes of Loans/Leases Loans/Leases Investment Investment Allowance (dollars in thousands) CONCESSION - Significant Payment Delay Residential Real Estate 1 $ 46 $ 46 $ — Direct Financing Leases 2 48 48 — 3 $ 94 $ 94 $ —

NOTE 4 - DERIVATIVES (Tables)

NOTE 4 - DERIVATIVES (Tables)	3 Months Ended
	Mar. 31, 2019
Notes Tables
Derivatives Not Designated as Hedging Instruments [Table Text Block]	March 31, 2019 December 31, 2018 Notional Amount Estimated Fair Value Notional Amount Estimated Fair Value (dollars in thousands) Non-Hedging Interest Rate Derivatives Assets: Interest rate swap contracts $ $ $ $ Non-Hedging Interest Rate Derivatives Liabilities: Interest rate swap contracts $ $ $ $
Interest rate cap
Notes Tables
Schedule of Derivative Instruments in Statement of Financial Position, Fair Value [Table Text Block]	Balance Sheet 1-Month LIBOR Fair Value as of Hedged Instrument Effective Date Maturity Date Location Notional Amount Strike Rate March 31, 2019 December 31, 2018 (dollars in thousands) 1-month FHLB Advance 6/3/2014 6/5/2019 Other Assets $ % $ 56 $ 117 1-month FHLB Advance 6/5/2014 6/5/2021 Other Assets % 241 342 $ $ 297 $ 459
Interest rate swap
Notes Tables
Schedule of Derivative Instruments in Statement of Financial Position, Fair Value [Table Text Block]	Balance Sheet Fair Value as of Hedged Instrument Effective Date Maturity Date Location Notional Amount Receive Rate Pay Rate March 31, 2019 December 31, 2018 (dollars in thousands) QCR Holdings Statutory Trust II 9/30/2018 9/30/2028 Other Liabilities $ % % $ (557) $ (298) QCR Holdings Statutory Trust III 9/30/2018 9/30/2028 Other Liabilities % % (445) (239) QCR Holdings Statutory Trust V 7/7/2018 7/7/2028 Other Liabilities % % (540) (288) Community National Statutory Trust II 9/20/2018 9/20/2028 Other Liabilities % % (166) (89) Community National Statutory Trust III 9/15//2018 9/15/2028 Other Liabilities % % (194) (104) Guaranty Bankshares Statutory Trust I 9/15/2018 9/15/2028 Other Liabilities % % (249) (133) $ % % $ (2,151) $ (1,151)

NOTE 6 - EARNINGS PER SHARE (Ta

NOTE 6 - EARNINGS PER SHARE (Tables)	3 Months Ended
	Mar. 31, 2019
Earnings Per Share
Schedule of computation of earnings per share on a basic and diluted basis	Three months ended March 31, 2019 2018 (dollars in thousands, except share data) Net income $ 12,918 $ 10,550 Basic EPS $ 0.82 $ 0.76 Diluted EPS $ 0.81 $ 0.74 Weighted average common shares outstanding 15,693,345 13,888,661 Weighted average common shares issuable upon exercise of stock options and under the employee stock purchase plan 229,595 316,923 Weighted average common and common equivalent shares outstanding 15,922,940 14,205,584

NOTE 7 - FAIR VALUE (Tables)

NOTE 7 - FAIR VALUE (Tables)	3 Months Ended
	Mar. 31, 2019
Notes Tables
Fair Value Measurements, Recurring and Nonrecurring [Table Text Block]	Fair Value Measurements at Reporting Date Using Quoted Prices Significant in Active Other Significant Markets for Observable Unobservable Identical Assets Inputs Inputs Fair Value (Level 1) (Level 2) (Level 3) (dollars in thousands) March 31, 2019: Securities AFS: U.S. govt. sponsored agency securities $ 35,843 $ — $ 35,843 $ — Residential mortgage-backed and related securities 161,692 — 161,692 — Municipal securities 56,124 — 56,124 — Other securities 6,788 — 6,788 — Interest rate caps 297 — 297 — Interest rate swaps - assets 36,078 — 36,078 — Total assets measured at fair value $ 296,822 $ — $ 296,822 $ — Interest rate swaps - liabilities $ 38,229 $ — $ 38,229 $ — Total liabilities measured at fair value $ 38,229 $ — $ 38,229 $ — December 31, 2018: Securities AFS: U.S. govt. sponsored agency securities $ 36,411 $ — $ 36,411 $ — Residential mortgage-backed and related securities 159,249 — 159,249 — Municipal securities 58,546 — 58,546 — Other securities 6,850 — 6,850 — Interest rate caps 459 — 459 — Interest rate swaps - assets 22,196 — 22,196 — Total assets measured at fair value $ 283,711 $ — $ 283,711 $ — Interest rate swaps - liabilities $ 23,347 $ — $ 23,347 $ — Total liabilities measured at fair value $ 23,347 $ — $ 23,347 $ — Fair Value Measurements at Reporting Date Using Quoted Prices Significant in Active Other Significant Markets for Observable Unobservable Identical Assets Inputs Inputs Fair Value Level 1 Level 2 Level 3 (dollars in thousands) March 31, 2019: Impaired loans/leases $ 8,665 $ — $ — $ 8,665 OREO 9,838 — — 9,838 $ 18,503 $ — $ — $ 18,503 December 31, 2018: Impaired loans/leases $ 9,657 $ — $ — $ 9,657 OREO 10,128 — — 10,128 $ 19,785 $ — $ — $ 19,785
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Table Text Block]	Quantitative Information about Level Fair Value Measurements Fair Value Fair Value March 31, December 31, 2019 2018 Valuation Technique Unobservable Input Range (dollars in thousands) Impaired loans/leases $ 8,665 $ 9,657 Appraisal of collateral Appraisal adjustments % to % OREO 9,838 10,128 Appraisal of collateral Appraisal adjustments % to %
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	Fair Value As of March 31, 2019 As of December 31, 2018 Hierarchy Carrying Estimated Carrying Estimated Level Value Fair Value Value Fair Value (dollars in thousands) Cash and due from banks Level 1 $ 76,527 $ 76,527 $ 85,523 $ 85,523 Federal funds sold Level 2 1,872 1,872 26,398 26,398 Interest-bearing deposits at financial institutions Level 2 214,160 214,160 133,198 133,198 Investment securities: HTM Level 2 395,302 406,371 401,913 400,771 AFS See Previous Table 260,447 260,447 261,056 261,056 Loans/leases receivable, net Level 3 8,023 8,665 8,942 9,657 Loans/leases receivable, net Level 2 3,750,245 3,711,945 3,683,965 3,639,329 Interest rate caps Level 2 297 297 459 459 Interest rate swaps - assets Level 2 36,078 36,078 22,196 22,196 Deposits: Nonmaturity deposits Level 2 3,159,581 3,159,581 3,002,327 3,002,327 Time deposits Level 2 1,034,639 1,025,570 974,704 968,906 Short-term borrowings Level 2 15,886 15,886 28,774 28,774 FHLB advances Level 2 126,180 126,273 266,492 265,926 Other borrowings Level 2 35,000 35,954 67,250 67,770 Subordinated notes Level 2 68,215 68,379 4,782 4,933 Junior subordinated debentures Level 2 37,713 30,366 37,670 29,992 Interest rate swaps - liabilities Level 2 38,229 38,229 23,347 23,347

NOTE 8 - BUSINESS SEGMENT INF_2

NOTE 8 - BUSINESS SEGMENT INFORMATION (Tables)	3 Months Ended
	Mar. 31, 2019
Notes Tables
Schedule of Segment Reporting Information, by Segment [Table Text Block]	Commercial Banking Wealth Intercompany Consolidated QCBT CRBT CSB SFC Bank RB&T Management All other Eliminations Total (dollars in thousands) Three Months Ended March 31, 2019 Total revenue $ 18,544 $ 19,244 $ 9,270 $ 7,288 $ 5,596 $ 4,229 $ 14,582 $ (14,658) $ 64,095 Net interest income 12,139 10,407 6,966 5,227 3,428 — (1,259) — 36,908 Provision 1,020 425 150 500 39 — — — 2,134 Net income (loss) 4,185 5,100 2,157 1,653 517 1,158 12,598 (14,450) 12,918 Goodwill 3,223 14,980 9,888 45,975 — — 3,806 — 77,872 Intangibles — 3,061 4,501 7,501 — — 1,855 — 16,918 Total assets 1,660,374 1,446,637 785,076 638,542 513,045 — 624,420 (601,432) 5,066,662 Three Months Ended March 31, 2018 Total revenue $ 15,808 $ 15,997 $ 8,163 $ — $ 4,998 $ 3,189 $ 12,533 $ (12,600) $ 48,087 Net interest income 12,120 10,836 6,744 — 3,465 — (762) — 32,403 Provision 1,120 602 576 — 242 — — — 2,540 Net income (loss) 4,458 4,617 1,869 — 741 771 10,514 (12,420) 10,550 Goodwill 3,223 15,223 9,888 — — — — — 28,334 Intangibles — 3,567 5,207 — — — — — 8,774 Total assets 1,526,829 1,331,209 696,979 — 468,112 — 447,592 (444,407) 4,026,314

NOTE 9 - REGULATORY CAPITAL R_2

NOTE 9 - REGULATORY CAPITAL REQUIREMENTS (Tables)	3 Months Ended
	Mar. 31, 2019
Notes Tables
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	For Capital To Be Well Adequacy Purposes Capitalized Under For Capital With Capital Prompt Corrective Actual Adequacy Purposes Conservation Buffer* Action Provisions Amount Ratio Amount Ratio Amount Ratio Amount Ratio As of March 31, 2019: Company: Total risk-based capital $ 538,030 12.26 % $ 351,173 > 8.00 % $ 460,914 > 10.50 % $ 438,966 > 10.00 % Tier 1 risk-based capital 433,453 9.87 % 263,379 > 6.00 373,121 > 8.50 351,173 > 8.00 Tier 1 leverage 433,453 8.90 % 194,905 > 4.00 194,905 > 4.00 243,632 > 5.00 Common equity Tier 1 395,740 9.02 % 197,535 > 4.50 307,276 > 7.00 295,328 > 6.50 Quad City Bank & Trust: Total risk-based capital $ 166,864 11.59 % $ 115,131 > 8.00 % $ 151,110 > 10.50 % $ 143,914 > 10.00 % Tier 1 risk-based capital 153,375 10.66 % 86,349 > 6.00 122,327 > 8.50 115,131 > 8.00 Tier 1 leverage 153,375 9.21 % 66,621 > 4.00 66,621 > 4.00 83,277 > 5.00 Common equity Tier 1 153,375 10.66 % 64,761 > 4.50 100,740 > 7.00 93,544 > 6.50 Cedar Rapids Bank & Trust: Total risk-based capital $ 152,230 11.59 % $ 105,103 > 8.00 % $ 137,947 > 10.50 % $ 131,379 > 10.00 % Tier 1 risk-based capital 139,406 10.61 % 78,827 > 6.00 111,672 > 8.50 105,103 > 8.00 Tier 1 leverage 139,406 10.03 % 55,617 > 4.00 55,617 > 4.00 69,521 > 5.00 Common equity Tier 1 139,406 10.61 % 59,120 > 4.50 91,965 > 7.00 85,396 > 6.50 Community State Bank: Total risk-based capital $ 82,640 12.23 % $ 54,069 > 8.00 % $ 70,966 > 10.50 % $ 67,587 > 10.00 % Tier 1 risk-based capital 76,329 11.29 % 40,552 > 6.00 57,449 > 8.50 54,069 > 8.00 Tier 1 leverage 76,329 9.97 % 30,630 > 4.00 30,630 > 4.00 38,287 > 5.00 Common equity Tier 1 76,329 11.29 % 30,414 > 4.50 47,311 > 7.00 43,931 > 6.50 Springfield First Community Bank: Total risk-based capital $ 62,958 13.04 % $ 38,639 > 8.00 % $ 50,713 > 10.50 % $ 48,298 > 10.00 % Tier 1 risk-based capital 56,666 11.73 % 28,979 > 6.00 41,053 > 8.50 38,639 > 8.00 Tier 1 leverage 56,666 10.36 % 21,883 > 4.00 21,883 > 4.00 27,353 > 5.00 Common equity Tier 1 56,666 11.73 % 21,734 > 4.50 33,809 > 7.00 31,394 > 6.50 Rockford Bank & Trust: Total risk-based capital $ 51,286 10.93 % $ 37,530 > 8.00 % $ 49,259 > 10.50 % $ 46,913 > 10.00 % Tier 1 risk-based capital 45,408 9.68 % 28,148 > 6.00 39,876 > 8.50 37,530 > 8.00 Tier 1 leverage 45,408 8.84 % 20,544 > 4.00 20,544 > 4.00 25,681 > 5.00 Common equity Tier 1 45,408 9.68 % 21,111 > 4.50 32,839 > 7.00 30,494 > 6.50 For Capital To Be Well Adequacy Purposes Capitalized Under For Capital With Capital Prompt Corrective Actual Adequacy Purposes Conservation Buffer Action Provisions Amount Ratio Amount Ratio Amount Ratio Amount Ratio As of December 31, 2018: Company: Total risk-based capital $ 460,416 10.69 % $ 344,551 > 8.00 % $ 425,305 > 9.875 % $ 430,689 > 10.00 % Tier 1 risk-based capital 420,569 9.77 % 258,413 > 6.00 339,168 > 7.875 344,551 > 8.00 Tier 1 leverage 420,569 8.87 % 189,858 > 4.00 189,858 > 4.000 237,322 > 5.00 Common equity Tier 1 382,899 8.89 % 193,810 > 4.50 274,564 > 6.375 279,948 > 6.50 Quad City Bank & Trust: Total risk-based capital $ 162,009 11.38 % $ 113,900 > 8.00 % $ 140,596 > 9.875 % $ 142,376 > 10.00 % Tier 1 risk-based capital 148,529 10.43 % 85,425 > 6.00 112,121 > 7.875 113,900 > 8.00 Tier 1 leverage 148,529 9.04 % 65,744 > 4.00 65,744 > 4.000 82,180 > 5.00 Common equity Tier 1 148,529 10.43 % 64,069 > 4.50 90,764 > 6.375 92,544 > 6.50 Cedar Rapids Bank & Trust: Total risk-based capital $ 146,292 11.55 % $ 101,310 > 8.00 % $ 125,054 > 9.875 % $ 126,637 > 10.00 % Tier 1 risk-based capital 133,982 10.58 % 75,982 > 6.00 99,727 > 7.875 101,310 > 8.00 Tier 1 leverage 133,982 9.98 % 53,682 > 4.00 53,682 > 4.000 67,103 > 5.00 Common equity Tier 1 133,982 10.58 % 56,987 > 4.50 80,731 > 6.375 82,314 > 6.50 Community State Bank: Total risk-based capital $ 75,233 11.24 % $ 53,567 > 8.00 % $ 66,122 > 9.875 % $ 66,959 > 10.00 % Tier 1 risk-based capital 69,101 10.32 % 40,175 > 6.00 52,730 > 7.875 53,567 > 8.00 Tier 1 leverage 69,101 9.19 % 30,070 > 4.00 30,070 > 4.000 37,588 > 5.00 Common equity Tier 1 69,101 10.32 % 30,131 > 4.50 42,686 > 6.375 43,523 > 6.50 Springfield First Community Bank: Total risk-based capital $ 57,051 12.24 % $ 37,278 > 8.00 % $ 46,016 > 9.875 % $ 46,598 > 10.00 % Tier 1 risk-based capital 51,279 11.00 % 27,959 > 6.00 36,696 > 7.875 37,278 > 8.00 Tier 1 leverage 51,279 9.39 % 21,849 > 4.00 21,849 > 4.000 27,312 > 5.00 Common equity Tier 1 51,279 11.00 % 20,969 > 4.50 29,706 > 6.375 30,289 > 6.50 Rockford Bank & Trust: Total risk-based capital $ 50,648 10.89 % $ 37,208 > 8.00 % $ 45,929 > 9.875 % $ 46,511 > 10.00 % Tier 1 risk-based capital 44,821 9.64 % 27,906 > 6.00 36,627 > 7.875 37,208 > 8.00 Tier 1 leverage 44,821 8.93 % 20,081 > 4.00 20,081 > 4.000 25,101 > 5.00 Common equity Tier 1 44,821 9.64 % 20,930 > 4.50 29,650 > 6.375 30,232 > 6.50 * March 31, 2019 minimums reflect the fully phased-in ratios (including the capital conservation buffer).

NOTE 1 - SUMMARY OF SIGNIFICA_3

NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details)	Mar. 31, 2019subsidiary
Summary of Significant Accounting Policies
Number of subsidiaries commercial banks	5

NOTE 2 - INVESTMENT SECURITIE_2

NOTE 2 - INVESTMENT SECURITIES (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2019USD ($)stateitem	Mar. 31, 2018USD ($)	Dec. 31, 2018USD ($)stateitem
Number of securities | item	606
Available-for-sale, unrealized loss positions, qualitative disclosure, number of positions | item	182
Aggregate losses of securities (as a percent)	0.40%
Available-for-sale, unrealized loss positions, qualitative disclosure, number of positions, greater than or equal to one year | item	170
Other than temporary impairment losses, investments | $	$ 0	$ 0
Sale of securities | $	$ 0	$ 0
Number Of Charters Owning Municipal Securities | item	5
Municipal Bonds | General Obligation Bonds
Number of issuers | item	106		110
Other investments | $	$ 86,000		$ 86,400
Number of states holding investments | state	25		26
Municipal Bonds | General Obligation Bonds | Minimum
Other investments | $	$ 5,000		$ 5,000
Municipal Bonds | General Obligation Bonds | Aggregate Fair Value Exceeding 5 Million [Member]
Number of states holding investments | state	6		6
Municipal Bonds | Revenue Bonds
Number of issuers | item	161		160
Other investments | $	$ 375,400		$ 371,900
Number of states holding investments	19		19
Municipal Bonds | Revenue Bonds | Minimum
Other investments | $	$ 5,000		$ 5,000
Municipal Bonds | Revenue Bonds | Aggregate Fair Value Exceeding 5 Million [Member]
Number of states holding investments	7		7

NOTE 2 - INVESTMENT SECURITIE_3

NOTE 2 - INVESTMENT SECURITIES - Amortized Cost and Fair Value of Investment Securities (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Securities held to maturity:
Securities held to maturity, at amortized cost	$ 395,302	$ 401,913
Securities held to maturity, gross unrealized gains	13,126	5,661
Securities held to maturity, gross unrealized (losses)	(2,057)	(6,804)
Securities held to maturity, fair value	406,371	400,770
Securities available for sale:
Securities available for sale, amortized Cost	261,918	266,671
Securities available for sale, gross unrealized gains	1,163	501
Securities available for sale, gross unrealized (losses)	(2,634)	(6,116)
Securities available for sale, fair value	260,447	261,056
US States and Political Subdivisions Debt Securities
Securities held to maturity:
Securities held to maturity, at amortized cost	394,252	400,863
Securities held to maturity, gross unrealized gains	13,126	5,661
Securities held to maturity, gross unrealized (losses)	(2,056)	(6,803)
Securities held to maturity, fair value	405,322	399,721
Securities available for sale:
Securities available for sale, amortized Cost	55,585	59,069
Securities available for sale, gross unrealized gains	649	180
Securities available for sale, gross unrealized (losses)	(110)	(703)
Securities available for sale, fair value	56,124	58,546
US Government Agencies Debt Securities
Securities available for sale:
Securities available for sale, amortized Cost	36,141	37,150
Securities available for sale, gross unrealized gains	89	39
Securities available for sale, gross unrealized (losses)	(387)	(778)
Securities available for sale, fair value	35,843	36,411
Residential Mortgage Backed Securities
Securities available for sale:
Securities available for sale, amortized Cost	163,438	163,698
Securities available for sale, gross unrealized gains	351	182
Securities available for sale, gross unrealized (losses)	(2,097)	(4,631)
Securities available for sale, fair value	161,692	159,249
Other Securities
Securities held to maturity:
Securities held to maturity, at amortized cost	1,050	1,050
Securities held to maturity, gross unrealized (losses)	(1)	(1)
Securities held to maturity, fair value	1,049	1,049
Securities available for sale:
Securities available for sale, amortized Cost	6,754	6,754
Securities available for sale, gross unrealized gains	74	100
Securities available for sale, gross unrealized (losses)	(40)	(4)
Securities available for sale, fair value	$ 6,788	$ 6,850

NOTE 2 - INVESTMENT SECURITIE_4

NOTE 2 - INVESTMENT SECURITIES - Securities in a Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Securities held to maturity:
Securities held to maturity, less than 12 months, fair value	$ 8,722	$ 114,750
Securities held to maturity, less than 12 months, gross unrealized losses	(6)	(2,188)
Securities held to maturity, 12 months or more, fair value	64,594	69,412
Securities held to maturity, 12 months or more, gross unrealized losses	(2,051)	(4,616)
Securities held to maturity, fair value	73,316	184,162
Securities held to maturity, gross unrealized losses	(2,057)	(6,804)
Securities available for sale:
Securities available for sale, less than 12 months, fair value	9,177	46,980
Securities available for sale, less than 12 months, gross unrealized losses	(92)	(580)
Securities available for sale, 12 months or more, fair value	172,285	179,072
Securities available for sale, 12 months or more, gross unrealized losses	(2,542)	(5,536)
Securities available for sale, fair value	181,462	226,052
Securities available for sale, gross unrealized losses	(2,634)	(6,116)
US States and Political Subdivisions Debt Securities
Securities held to maturity:
Securities held to maturity, less than 12 months, fair value	8,722	114,201
Securities held to maturity, less than 12 months, gross unrealized losses	(6)	(2,187)
Securities held to maturity, 12 months or more, fair value	64,045	69,412
Securities held to maturity, 12 months or more, gross unrealized losses	(2,050)	(4,616)
Securities held to maturity, fair value	72,767	183,613
Securities held to maturity, gross unrealized losses	(2,056)	(6,803)
Securities available for sale:
Securities available for sale, less than 12 months, fair value		28,356
Securities available for sale, less than 12 months, gross unrealized losses		(394)
Securities available for sale, 12 months or more, fair value	12,804	15,932
Securities available for sale, 12 months or more, gross unrealized losses	(110)	(309)
Securities available for sale, fair value	12,804	44,288
Securities available for sale, gross unrealized losses	(110)	(703)
US Government Agencies Debt Securities
Securities available for sale:
Securities available for sale, less than 12 months, fair value	803	1,565
Securities available for sale, less than 12 months, gross unrealized losses	(9)	(34)
Securities available for sale, 12 months or more, fair value	29,973	29,605
Securities available for sale, 12 months or more, gross unrealized losses	(378)	(744)
Securities available for sale, fair value	30,776	31,170
Securities available for sale, gross unrealized losses	(387)	(778)
Residential Mortgage Backed Securities
Securities available for sale:
Securities available for sale, less than 12 months, fair value	4,160	12,810
Securities available for sale, less than 12 months, gross unrealized losses	(43)	(148)
Securities available for sale, 12 months or more, fair value	129,508	133,535
Securities available for sale, 12 months or more, gross unrealized losses	(2,054)	(4,483)
Securities available for sale, fair value	133,668	146,345
Securities available for sale, gross unrealized losses	(2,097)	(4,631)
Other Securities
Securities held to maturity:
Securities held to maturity, less than 12 months, fair value		549
Securities held to maturity, less than 12 months, gross unrealized losses		(1)
Securities held to maturity, 12 months or more, fair value	549
Securities held to maturity, 12 months or more, gross unrealized losses	(1)
Securities held to maturity, fair value	549	549
Securities held to maturity, gross unrealized losses	(1)	(1)
Securities available for sale:
Securities available for sale, less than 12 months, fair value	4,214	4,249
Securities available for sale, less than 12 months, gross unrealized losses	(40)	(4)
Securities available for sale, fair value	4,214	4,249
Securities available for sale, gross unrealized losses	$ (40)	$ (4)

NOTE 2 - INVESTMENT SECURITIE_5

NOTE 2 - INVESTMENT SECURITIES - Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Securities held to maturity:
Securities held to maturity, due in one year or less, amortized cost	$ 2,060
Securities held to maturity, due in one year or less, fair value	2,064
Securities held to maturity, due after one year through five years, amortized cost	28,228
Securities held to maturity, due after one year through five years, fair value	28,544
Securities held to maturity, due after five years, amortized cost	365,014
Securities held to maturity, due after five years, fair value	375,763
Securities held to maturity, amortized cost	395,302
Securities held to maturity, fair value	406,371	$ 400,770
Securities available for sale:
Securities available for sale, due in one year or less, amortized cost	1,375
Securities available for sale, Due in one year or less, fair value	1,387
Securities available for sale, due after one year through five years, amortized cost	52,247
Securities available for sale, Due after one year through five years, fair value	51,874
Securities available for sale, due after five years, amortized cost	44,858
Securities available for sale, Due after five years, fair value	45,494
Securities available for sale, single maturity, amortized cost	98,480
Securities available for sale, single maturity, fair value	98,755
Securities available for sale, amortized cost	261,918
Securities available for sale, fair value	260,447
Callable Securities [Member]
Securities available for sale:
Securities available for sale, callable, amortized cost	59,313
Securities available for sale, callable, fair value	59,654
US States and Political Subdivisions Debt Securities
Securities held to maturity:
Securities held to maturity, fair value	405,322	399,721
US States and Political Subdivisions Debt Securities | Callable Securities [Member]
Securities held to maturity:
Securities held to maturity, callable, amortized cost	205,929
Securities held to maturity, callable, fair value	209,592
Securities available for sale:
Securities available for sale, callable, amortized cost	47,809
Securities available for sale, callable, fair value	48,158
U.S. govt. sponsored agency securities | Callable Securities [Member]
Securities available for sale:
Securities available for sale, callable, amortized cost	4,999
Securities available for sale, callable, fair value	4,955
Residential Mortgage Backed Securities
Securities available for sale:
Securities available for sale, callable, amortized cost	163,438
Securities available for sale, callable, fair value	161,692
Other Securities
Securities held to maturity:
Securities held to maturity, fair value	1,049	$ 1,049
Other Securities | Callable Securities [Member]
Securities available for sale:
Securities available for sale, callable, amortized cost	6,505
Securities available for sale, callable, fair value	$ 6,541

NOTE 3 - LOANS_LEASES RECEIVA_3

NOTE 3 - LOANS/LEASES RECEIVABLE (Details)	3 Months Ended
	Mar. 31, 2019USD ($)item	Mar. 31, 2018USD ($)item	Sep. 30, 2017USD ($)	Jun. 30, 2017USD ($)	Dec. 31, 2018USD ($)
Loans and leases	$ 3,790,224,000				$ 3,723,630,000
Loans and leases receivable loss	0	$ 0
Nonaccrual Loans/Leases	13,406,000				14,260,000
Accruing TDRs	$ 5,300,000				6,500,000
Financing Receivable, Modifications, Subsequent Default, Number of Contracts | item	0	8
Financing Receivables, Impaired, Troubled Debt Restructuring, Write-down	$ 56,000	$ 95,000
Number of TDRs restructured and written off | item	2	2
Accruing Past Due 90 Days or More	$ 61,000				632,000
One Customer [Member]
Financing Receivable, Modifications, Subsequent Default, Number of Contracts | item		3
Financing Receivables, Impaired, Troubled Debt Restructuring, Write-down		$ 78,000
Other Customers [Member]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment			$ 378,000	$ 378,000
Nonaccrual [Member]
Nonaccrual Loans/Leases | item		1
Financing Receivable, Modifications, Post-Modification Recorded Investment		$ 46,000
Troubled Debt Restructurings [Member]
Nonaccrual Loans/Leases	1,500,000				2,300,000
Accruing Past Due 90 Days or More					496,000
Residential Portfolio Segment [Member]
Loans and leases	288,502,000				290,759,000
Loans Receivable Held-for-sale, Net, Not Part of Disposal Group, Mortgage	2,000,000				1,300,000
Nonaccrual Loans/Leases	1,680,000				1,743,000
Accruing Past Due 90 Days or More					89,000
Residential Portfolio Segment [Member] | Troubled Debt Restructurings [Member]
Nonaccrual Loans/Leases	291,000				344,000
Commercial Portfolio Segment [Member]
Loans and leases	1,479,247,000				1,429,410,000
Nonaccrual Loans/Leases	3,998,000				4,088,000
Accruing Past Due 90 Days or More					389,000
Commercial Portfolio Segment [Member] | Troubled Debt Restructurings [Member]
Nonaccrual Loans/Leases	249,000				265
Commercial Portfolio Segment [Member] | m2 Lease Funds, LLC [Member]
Loans and leases	112,800,000				103,400,000
Commercial Real Estate Portfolio Segment [Member]
Loans and leases	1,790,845,000				1,766,111,000
Commercial Real Estate Portfolio Segment [Member] | Troubled Debt Restructurings [Member]
Nonaccrual Loans/Leases	679,000				1,400,000
Accruing Past Due 90 Days or More					107,000
Finance Leases Portfolio Segment [Member]
Loans and leases	108,543,000				117,969,000
Nonaccrual Loans/Leases	1,745,000				1,761,000
Finance Leases Portfolio Segment [Member] | Troubled Debt Restructurings [Member]
Nonaccrual Loans/Leases	279,000				321,000
Consumer Portfolio Segment [Member]
Loans and leases	123,087,000				119,381,000
Nonaccrual Loans/Leases	651,000				611,000
Accruing Past Due 90 Days or More	61,000				47,000
Consumer Portfolio Segment [Member] | Troubled Debt Restructurings [Member]
Nonaccrual Loans/Leases	$ 3,000				$ 3,000

NOTE 3 - LOANS_LEASES RECEIVA_4

NOTE 3 - LOANS/LEASES RECEIVABLE - Composition of the Loan Lease Portfolio (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018	Dec. 31, 2017
Gross loans/leases receivable	$ 3,799,432	$ 3,732,754
Less allowance	(41,164)	(39,847)	$ (36,533)	$ (34,356)
Net loans/leases receivable	3,758,268	3,692,907
Plus deferred loan/lease origination costs, net of fees	9,208	9,124
Loans and leases	3,790,224	3,723,630
Commercial Portfolio Segment [Member]
Less allowance	(17,259)	(16,420)	(15,066)	(14,323)
Loans and leases	1,479,247	1,429,410
Commercial Real Estate Portfolio Segment [Member]
Less allowance	(18,303)	(17,719)	(14,938)	(13,963)
Loans and leases	1,790,845	1,766,111
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	488,827	500,654
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans and leases	267,830	236,787
Commercial Real Estate Portfolio Segment [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	1,034,188	1,028,670
Finance Leases Portfolio Segment [Member]
Net minimum lease payments to be received		130,371
Net minimum lease receivable	119,914
Estimated unguaranteed residual values of leased assets	745	828
Unearned lease/residual income	(12,116)	(13,230)
Gross loans/leases receivable	111,701	121,611
Less allowance	(1,606)	(1,792)	(2,730)	(2,382)
Net loans/leases receivable	110,095	119,819
Plus deferred loan/lease origination costs, net of fees	3,158	3,642
Loans and leases	108,543	117,969
Residential Portfolio Segment [Member]
Less allowance	(2,539)	(2,557)	(2,375)	(2,466)
Loans and leases	288,502	290,759
Consumer Portfolio Segment [Member]
Less allowance	(1,457)	(1,359)	$ (1,424)	$ (1,222)
Loans and leases	$ 123,087	$ 119,381

NOTE 3 - LOANS_LEASES RECEIVA_5

NOTE 3 - LOANS/LEASES RECEIVABLE - Changes in Accretable Yield (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Balance at the beginning of the period	$ (10,324)	$ (6,471)
Accretion recognized	1,174	655
Balance at the end of the period	(9,150)	(5,816)
PCI Loans
Balance at the beginning of the period	(667)	(191)
Accretion recognized	348	34
Balance at the end of the period	(319)	(157)
Performing Loans
Balance at the beginning of the period	(9,656)	(6,280)
Accretion recognized	826	621
Balance at the end of the period	$ (8,830)	$ (5,659)

NOTE 3 - LOANS_LEASES RECEIVA_6

NOTE 3 - LOANS/LEASES RECEIVABLE - Aging of the Loan Lease Portfolio (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Current	$ 3,758,750	$ 3,698,177
Accruing Past Due 90 Days or More	61	632
Financing Receivable, Recorded Investment, Nonaccrual Status	13,406	14,260
Loans and leases	$ 3,790,224	$ 3,723,630
Current as a percentage of total loan/lease portfolio	99.18%	99.32%
Accruing past due 90 days or more as a percentage of total loan/lease portfolio	0.00%	0.02%
Nonaccrual Loans/Leases as a percentage of total loan/lease portfolio	0.35%	0.38%
Loans and leases as a percentage of total loan/lease portfolio	100.00%	100.00%
Financing Receivables, 30 to 59 Days Past Due [Member]
Past Due	$ 9,265	$ 9,053
Past due as a percentage of total loan/lease portfolio	0.24%	0.24%
Financing Receivables, 60 to 89 Days Past Due [Member]
Past Due	$ 8,742	$ 1,508
Past due as a percentage of total loan/lease portfolio	0.23%	0.04%
Commercial Portfolio Segment [Member]
Current	$ 1,466,599	$ 1,423,406
Accruing Past Due 90 Days or More		389
Financing Receivable, Recorded Investment, Nonaccrual Status	3,998	4,088
Loans and leases	1,479,247	1,429,410
Commercial Portfolio Segment [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Past Due	1,479	930
Commercial Portfolio Segment [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Past Due	7,171	597
Commercial Real Estate Portfolio Segment [Member]
Loans and leases	1,790,845	1,766,111
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Commercial Real Estate Loans [Member]
Current	487,774	500,138
Accruing Past Due 90 Days or More		107
Financing Receivable, Recorded Investment, Nonaccrual Status	202	216
Loans and leases	488,827	500,654
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Current	266,591	234,704
Financing Receivable, Recorded Investment, Nonaccrual Status	304	319
Loans and leases	267,830	236,787
Commercial Real Estate Portfolio Segment [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Current	1,028,663	1,022,664
Financing Receivable, Recorded Investment, Nonaccrual Status	4,826	5,522
Loans and leases	1,034,188	1,028,670
Commercial Real Estate Portfolio Segment [Member] | Financing Receivables, 30 to 59 Days Past Due [Member] | Owner Occupied Commercial Real Estate Loans [Member]
Past Due	238
Commercial Real Estate Portfolio Segment [Member] | Financing Receivables, 30 to 59 Days Past Due [Member] | Construction Loans [Member]
Past Due	699	1,764
Commercial Real Estate Portfolio Segment [Member] | Financing Receivables, 30 to 59 Days Past Due [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Past Due	299	484
Commercial Real Estate Portfolio Segment [Member] | Financing Receivables, 60 to 89 Days Past Due [Member] | Owner Occupied Commercial Real Estate Loans [Member]
Past Due	613	193
Commercial Real Estate Portfolio Segment [Member] | Financing Receivables, 60 to 89 Days Past Due [Member] | Construction Loans [Member]
Past Due	236
Commercial Real Estate Portfolio Segment [Member] | Financing Receivables, 60 to 89 Days Past Due [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Past Due	400
Finance Leases Portfolio Segment [Member]
Current	105,451	114,078
Financing Receivable, Recorded Investment, Nonaccrual Status	1,745	1,761
Loans and leases	108,543	117,969
Finance Leases Portfolio Segment [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Past Due	1,151	1,642
Finance Leases Portfolio Segment [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Past Due	196	488
Residential Portfolio Segment [Member]
Current	281,729	284,844
Accruing Past Due 90 Days or More		89
Financing Receivable, Recorded Investment, Nonaccrual Status	1,680	1,743
Loans and leases	288,502	290,759
Residential Portfolio Segment [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Past Due	4,993	3,877
Residential Portfolio Segment [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Past Due	100	206
Consumer Portfolio Segment [Member]
Current	121,943	118,343
Accruing Past Due 90 Days or More	61	47
Financing Receivable, Recorded Investment, Nonaccrual Status	651	611
Loans and leases	123,087	119,381
Consumer Portfolio Segment [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Past Due	406	356
Consumer Portfolio Segment [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Past Due	$ 26	$ 24

NOTE 3 - LOANS_LEASES RECEIVA_7

NOTE 3 - LOANS/LEASES RECEIVABLE - Loans Leases Nonperforming Loans Leases (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Accruing Past Due 90 Days or More	$ 61	$ 632
Nonaccrual Loans/Leases	13,406	14,260
Accruing TDRs	5,300	6,500
Loans and Leases Receivable, Net of Deferred Income	$ 3,790,224	$ 3,723,630
Percentage of Total NPLs	100.00%	100.00%
Nonperforming Financial Instruments [Member]
Accruing Past Due 90 Days or More	$ 61	$ 632
Nonaccrual Loans/Leases	13,406	14,260
Accruing TDRs	3,794	3,658
Loans and Leases Receivable, Net of Deferred Income	$ 17,261	$ 18,550
Percentage of Total NPLs	100.00%	100.00%
Commercial Portfolio Segment [Member]
Accruing Past Due 90 Days or More		$ 389
Nonaccrual Loans/Leases	$ 3,998	4,088
Loans and Leases Receivable, Net of Deferred Income	1,479,247	1,429,410
Commercial Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Accruing Past Due 90 Days or More		389
Nonaccrual Loans/Leases	3,998	4,088
Accruing TDRs	551	454
Loans and Leases Receivable, Net of Deferred Income	$ 4,549	$ 4,931
Percentage of Total NPLs	26.35%	26.58%
Commercial Real Estate Portfolio Segment [Member]
Loans and Leases Receivable, Net of Deferred Income	$ 1,790,845	$ 1,766,111
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Commercial Real Estate Loans [Member]
Accruing Past Due 90 Days or More		107
Nonaccrual Loans/Leases	202	216
Loans and Leases Receivable, Net of Deferred Income	488,827	500,654
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Nonaccrual Loans/Leases	304	319
Loans and Leases Receivable, Net of Deferred Income	267,830	236,787
Commercial Real Estate Portfolio Segment [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Nonaccrual Loans/Leases	4,826	5,522
Loans and Leases Receivable, Net of Deferred Income	1,034,188	1,028,670
Commercial Real Estate Portfolio Segment [Member] | Nonperforming Financial Instruments [Member] | Owner Occupied Commercial Real Estate Loans [Member]
Accruing Past Due 90 Days or More		107
Nonaccrual Loans/Leases	202	216
Accruing TDRs	104
Loans and Leases Receivable, Net of Deferred Income	$ 306	$ 323
Percentage of Total NPLs	1.77%	1.74%
Commercial Real Estate Portfolio Segment [Member] | Nonperforming Financial Instruments [Member] | Construction Loans [Member]
Nonaccrual Loans/Leases	$ 304	$ 319
Loans and Leases Receivable, Net of Deferred Income	$ 304	$ 319
Percentage of Total NPLs	1.76%	1.72%
Commercial Real Estate Portfolio Segment [Member] | Nonperforming Financial Instruments [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Nonaccrual Loans/Leases	$ 4,826	$ 5,522
Accruing TDRs	2,984	2,984
Loans and Leases Receivable, Net of Deferred Income	$ 7,810	$ 8,506
Percentage of Total NPLs	45.25%	45.86%
Finance Leases Portfolio Segment [Member]
Nonaccrual Loans/Leases	$ 1,745	$ 1,761
Loans and Leases Receivable, Net of Deferred Income	108,543	117,969
Finance Leases Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Nonaccrual Loans/Leases	1,745	1,761
Accruing TDRs	155	111
Loans and Leases Receivable, Net of Deferred Income	$ 1,900	$ 1,872
Percentage of Total NPLs	11.01%	10.09%
Residential Portfolio Segment [Member]
Accruing Past Due 90 Days or More		$ 89
Nonaccrual Loans/Leases	$ 1,680	1,743
Loans and Leases Receivable, Net of Deferred Income	288,502	290,759
Residential Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Accruing Past Due 90 Days or More		89
Nonaccrual Loans/Leases	1,680	1,743
Accruing TDRs		100
Loans and Leases Receivable, Net of Deferred Income	$ 1,680	$ 1,932
Percentage of Total NPLs	9.73%	10.41%
Consumer Portfolio Segment [Member]
Accruing Past Due 90 Days or More	$ 61	$ 47
Nonaccrual Loans/Leases	651	611
Loans and Leases Receivable, Net of Deferred Income	123,087	119,381
Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Accruing Past Due 90 Days or More	61	47
Nonaccrual Loans/Leases	651	611
Accruing TDRs		9
Loans and Leases Receivable, Net of Deferred Income	$ 712	$ 667
Percentage of Total NPLs	4.12%	3.60%

NOTE 3 - LOANS_LEASES RECEIVA_8

NOTE 3 - LOANS/LEASES RECEIVABLE - Allowance for Estimated Losses on Loans Leases (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2019	Dec. 31, 2018
Balance	$ 39,847	$ 34,356
Provision for loan/lease losses	2,134	2,540
Loans/leases charged off	(1,060)	(436)
Recoveries on loans/leases previously charged off	243	73
Balance	41,164	36,533
Allowance for impaired loans/leases			$ 3,439	$ 3,659
Allowance for nonimpaired loans/leases			37,725	36,188
Less allowance for estimated losses on loans/leases	39,847	34,356	41,164	39,847
Impaired loans/leases			19,259	20,203
Nonimpaired loans/leases			3,770,965	3,703,427
Loans and leases			$ 3,790,224	$ 3,723,630
Allowance as a percentage of impaired loans/leases			17.86%	18.11%
Allowance as a percentage of nonimpaired loans/leases			1.00%	0.98%
Total allowance as a percentage of total loans/leases			1.08%	1.07%
Commercial Portfolio Segment [Member]
Balance	16,420	14,323
Provision for loan/lease losses	1,007	808
Loans/leases charged off	(334)	(95)
Recoveries on loans/leases previously charged off	166	30
Balance	17,259	15,066
Allowance for impaired loans/leases			$ 841	$ 973
Allowance for nonimpaired loans/leases			16,418	15,447
Less allowance for estimated losses on loans/leases	16,420	14,323	17,259	16,420
Impaired loans/leases			4,301	4,499
Nonimpaired loans/leases			1,474,946	1,424,911
Loans and leases			$ 1,479,247	$ 1,429,410
Allowance as a percentage of impaired loans/leases			19.55%	21.62%
Allowance as a percentage of nonimpaired loans/leases			1.11%	1.08%
Total allowance as a percentage of total loans/leases			1.17%	1.15%
Commercial Real Estate Portfolio Segment [Member]
Balance	17,719	13,963
Provision for loan/lease losses	534	965
Recoveries on loans/leases previously charged off	50	10
Balance	18,303	14,938
Allowance for impaired loans/leases			$ 2,113	$ 2,124
Allowance for nonimpaired loans/leases			16,190	15,595
Less allowance for estimated losses on loans/leases	17,719	13,963	18,303	17,719
Impaired loans/leases			10,155	10,447
Nonimpaired loans/leases			1,780,690	1,755,664
Loans and leases			$ 1,790,845	$ 1,766,111
Allowance as a percentage of impaired loans/leases			20.81%	20.33%
Allowance as a percentage of nonimpaired loans/leases			0.91%	0.89%
Total allowance as a percentage of total loans/leases			1.02%	1.00%
Finance Leases Portfolio Segment [Member]
Balance	1,792	2,382
Provision for loan/lease losses	445	605
Loans/leases charged off	(652)	(284)
Recoveries on loans/leases previously charged off	21	27
Balance	1,606	2,730
Allowance for impaired loans/leases			$ 142	$ 194
Allowance for nonimpaired loans/leases			1,464	1,598
Less allowance for estimated losses on loans/leases	1,792	2,382	1,606	1,792
Impaired loans/leases			2,185	2,249
Nonimpaired loans/leases			106,358	115,720
Loans and leases			$ 108,543	$ 117,969
Allowance as a percentage of impaired loans/leases			6.50%	8.63%
Allowance as a percentage of nonimpaired loans/leases			1.38%	1.38%
Total allowance as a percentage of total loans/leases			1.48%	1.52%
Residential Portfolio Segment [Member]
Balance	2,557	2,466
Provision for loan/lease losses	(18)	(39)
Loans/leases charged off		(52)
Balance	2,539	2,375
Allowance for impaired loans/leases			$ 236	$ 257
Allowance for nonimpaired loans/leases			2,303	2,300
Less allowance for estimated losses on loans/leases	2,557	2,466	2,539	2,557
Impaired loans/leases			1,693	2,110
Nonimpaired loans/leases			286,809	288,649
Loans and leases			$ 288,502	$ 290,759
Allowance as a percentage of impaired loans/leases			13.94%	12.18%
Allowance as a percentage of nonimpaired loans/leases			0.80%	0.80%
Total allowance as a percentage of total loans/leases			0.88%	0.88%
Consumer Portfolio Segment [Member]
Balance	1,359	1,222
Provision for loan/lease losses	166	201
Loans/leases charged off	(74)	(5)
Recoveries on loans/leases previously charged off	6	6
Balance	1,457	1,424
Allowance for impaired loans/leases			$ 107	$ 111
Allowance for nonimpaired loans/leases			1,350	1,248
Less allowance for estimated losses on loans/leases	$ 1,359	$ 1,222	1,457	1,359
Impaired loans/leases			925	898
Nonimpaired loans/leases			122,162	118,483
Loans and leases			$ 123,087	$ 119,381
Allowance as a percentage of impaired loans/leases			11.57%	12.38%
Allowance as a percentage of nonimpaired loans/leases			1.11%	1.05%
Total allowance as a percentage of total loans/leases			1.18%	1.14%

NOTE 3 - LOANS_LEASES RECEIVA_9

NOTE 3 - LOANS/LEASES RECEIVABLE - Impaired Loans Leases (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Recorded investment with no specific allowance recorded	$ 7,966	$ 9,536	$ 7,938
Unpaid principal balance with no specific allowance recorded	8,084	9,625	10,706
Average recorded investment with no specific allowance recorded	7,914	10,183
Interest income recognized with no specific allowance recorded	72	87
Interest income recognized for cash payments received with no specific allowance recorded	72	87
Recorded investment with specific allowance recorded	11,293	8,271	12,265
Unpaid principal balance with specific allowance recorded	11,650	8,294	12,621
Related allowance	3,439	3,227	3,659
Average recorded investment with specific allowance recorded	11,157	7,747
Interest income recognized with specific allowance recorded	58	5
Interest income recognized for cash payments received with specific allowance recorded	58	5
Recorded investment	19,259	17,807	20,203
Unpaid principal balance	19,734	17,919	23,327
Related allowance	3,439	3,227	3,659
Average recorded investment	19,071	17,930
Interest income recognized	130	92
Interest income recognized for cash payments received	130	92
Commercial Portfolio Segment [Member]
Recorded investment with no specific allowance recorded	2,256	5,039	1,846
Unpaid principal balance with no specific allowance recorded	2,300	5,053	4,540
Average recorded investment with no specific allowance recorded	2,124	5,298
Interest income recognized with no specific allowance recorded	23	75
Interest income recognized for cash payments received with no specific allowance recorded	23	75
Recorded investment with specific allowance recorded	2,045	958	2,653
Unpaid principal balance with specific allowance recorded	2,045	958	2,653
Related allowance	841	567	973
Average recorded investment with specific allowance recorded	1,946	825
Interest income recognized with specific allowance recorded	9	2
Interest income recognized for cash payments received with specific allowance recorded	9	2
Recorded investment	4,301	5,997	4,499
Unpaid principal balance	4,345	6,011	7,193
Related allowance	841	567	973
Average recorded investment	4,070	6,123
Interest income recognized	32	77
Interest income recognized for cash payments received	32	77
Commercial Portfolio Segment [Member] | Construction Loans [Member]
Recorded investment with specific allowance recorded		5,430
Unpaid principal balance with specific allowance recorded		5,430
Related allowance		1,627
Average recorded investment with specific allowance recorded		5,137
Related allowance		1,627
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Commercial Real Estate Loans [Member]
Recorded investment with no specific allowance recorded	104	289	106
Unpaid principal balance with no specific allowance recorded	104	289	106
Average recorded investment with no specific allowance recorded	106	289
Interest income recognized with no specific allowance recorded	6	6
Interest income recognized for cash payments received with no specific allowance recorded	6	6
Recorded investment with specific allowance recorded	289	148	304
Unpaid principal balance with specific allowance recorded	646	148	660
Related allowance	33	44	39
Average recorded investment with specific allowance recorded	297	150
Recorded investment	393	437	410
Unpaid principal balance	750	437	766
Related allowance	33	44	39
Average recorded investment	403	439
Interest income recognized	6	6
Interest income recognized for cash payments received	6	6
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Recorded investment with no specific allowance recorded	500		507
Unpaid principal balance with no specific allowance recorded	500		507
Average recorded investment with no specific allowance recorded	503
Interest income recognized with no specific allowance recorded	7
Interest income recognized for cash payments received with no specific allowance recorded	7
Recorded investment with specific allowance recorded	144		149
Unpaid principal balance with specific allowance recorded	144		149
Related allowance	28	1,627	33
Average recorded investment with specific allowance recorded	146
Recorded investment	644	5,430	656
Unpaid principal balance	644	5,430	656
Related allowance	28	1,627	33
Average recorded investment	649	5,137
Interest income recognized	7
Interest income recognized for cash payments received	7
Commercial Real Estate Portfolio Segment [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Recorded investment with no specific allowance recorded	1,675	1,227	1,804
Unpaid principal balance with no specific allowance recorded	1,675	1,227	1,804
Average recorded investment with no specific allowance recorded	1,687	1,236
Interest income recognized with no specific allowance recorded	22
Interest income recognized for cash payments received with no specific allowance recorded	22
Recorded investment with specific allowance recorded	7,443		7,577
Unpaid principal balance with specific allowance recorded	7,443		7,577
Related allowance	2,052		2,052
Average recorded investment with specific allowance recorded	7,510
Interest income recognized with specific allowance recorded	48
Interest income recognized for cash payments received with specific allowance recorded	48
Recorded investment	9,118	1,227	9,381
Unpaid principal balance	9,118	1,227	9,381
Related allowance	2,052		2,052
Average recorded investment	9,197	1,236
Interest income recognized	70
Interest income recognized for cash payments received	70
Finance Leases Portfolio Segment [Member]
Recorded investment with no specific allowance recorded	1,948	1,928	1,929
Unpaid principal balance with no specific allowance recorded	1,948	1,928	1,929
Average recorded investment with no specific allowance recorded	2,011	2,356
Interest income recognized with no specific allowance recorded	11	6
Interest income recognized for cash payments received with no specific allowance recorded	11	6
Recorded investment with specific allowance recorded	237	1,048	320
Unpaid principal balance with specific allowance recorded	237	1,048	320
Related allowance	142	628	194
Average recorded investment with specific allowance recorded	206	963
Recorded investment	2,185	2,976	2,249
Unpaid principal balance	2,185	2,976	2,249
Related allowance	142	628	194
Average recorded investment	2,217	3,319
Interest income recognized	11	6
Interest income recognized for cash payments received	11	6
Residential Portfolio Segment [Member]
Recorded investment with no specific allowance recorded	705	912	984
Unpaid principal balance with no specific allowance recorded	779	987	1,058
Average recorded investment with no specific allowance recorded	713	884
Recorded investment with specific allowance recorded	988	547	1,126
Unpaid principal balance with specific allowance recorded	988	570	1,126
Related allowance	236	249	257
Average recorded investment with specific allowance recorded	915	544
Interest income recognized with specific allowance recorded	1	3
Interest income recognized for cash payments received with specific allowance recorded	1	3
Recorded investment	1,693	1,459	2,110
Unpaid principal balance	1,767	1,557	2,184
Related allowance	236	249	257
Average recorded investment	1,628	1,428
Interest income recognized	1	3
Interest income recognized for cash payments received	1	3
Consumer Portfolio Segment [Member]
Recorded investment with no specific allowance recorded	778	141	762
Unpaid principal balance with no specific allowance recorded	778	141	762
Average recorded investment with no specific allowance recorded	770	120
Interest income recognized with no specific allowance recorded	3
Interest income recognized for cash payments received with no specific allowance recorded	3
Recorded investment with specific allowance recorded	147	140	136
Unpaid principal balance with specific allowance recorded	147	140	136
Related allowance	107	112	111
Average recorded investment with specific allowance recorded	137	128
Recorded investment	925	281	898
Unpaid principal balance	925	281	898
Related allowance	107	112	$ 111
Average recorded investment	907	$ 248
Interest income recognized	3
Interest income recognized for cash payments received	$ 3

NOTE 3 - LOANS_LEASES RECEIV_10

NOTE 3 - LOANS/LEASES RECEIVABLE - Loans by Internally Assigned Risk Rating (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Loans and leases	$ 3,790,224	$ 3,723,630
Commercial Portfolio Segment [Member]
Loans and leases	1,479,247	1,429,410
Commercial Portfolio Segment [Member] | Internally Assigned Risk Rating [Member]
Loans and leases	1,366,479	1,326,006
Commercial Portfolio Segment [Member] | Pass [Member]
Loans and leases	1,333,088	1,294,418
Commercial Portfolio Segment [Member] | Special Mention [Member]
Loans and leases	17,813	23,302
Commercial Portfolio Segment [Member] | Substandard [Member]
Loans and leases	15,578	8,286
Commercial Real Estate Portfolio Segment [Member]
Loans and leases	1,790,845	1,766,111
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	488,827	500,654
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans and leases	267,830	236,787
Commercial Real Estate Portfolio Segment [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	1,034,188	1,028,670
Commercial Real Estate Portfolio Segment [Member] | Internally Assigned Risk Rating [Member] | Owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	488,827	500,654
Commercial Real Estate Portfolio Segment [Member] | Internally Assigned Risk Rating [Member] | Construction Loans [Member]
Loans and leases	267,830	236,787
Commercial Real Estate Portfolio Segment [Member] | Internally Assigned Risk Rating [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	1,034,188	1,028,670
Commercial Real Estate Portfolio Segment [Member] | Pass [Member] | Owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	481,630	487,949
Commercial Real Estate Portfolio Segment [Member] | Pass [Member] | Construction Loans [Member]
Loans and leases	263,078	230,473
Commercial Real Estate Portfolio Segment [Member] | Pass [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	1,011,063	1,008,626
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member] | Owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	4,721	9,599
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member] | Construction Loans [Member]
Loans and leases	65	3,848
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	2,170	5,309
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	2,476	3,106
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Construction Loans [Member]
Loans and leases	4,687	2,466
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	20,955	14,735
Commercial and Commercial Real Estate Portfolio Segments [Member] | Internally Assigned Risk Rating [Member]
Loans and leases	$ 3,157,324	$ 3,092,117
As a % of Total	100.00%	100.00%
Commercial and Commercial Real Estate Portfolio Segments [Member] | Pass [Member]
Loans and leases	$ 3,088,859	$ 3,021,466
As a % of Total	97.83%	97.72%
Commercial and Commercial Real Estate Portfolio Segments [Member] | Special Mention [Member]
Loans and leases	$ 24,769	$ 42,058
As a % of Total	0.78%	1.36%
Commercial and Commercial Real Estate Portfolio Segments [Member] | Substandard [Member]
Loans and leases	$ 43,696	$ 28,593
As a % of Total	1.38%	0.92%

NOTE 3 - LOANS_LEASES RECEIV_11

NOTE 3 - LOANS/LEASES RECEIVABLE - Leases By Delinquency Status (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Loans and leases	$ 3,790,224	$ 3,723,630
Nonperforming Financial Instruments [Member]
Loans and leases	17,261	18,550
Commercial Lease Residential And Consumer Portfolio Segments [Member] | Delinquency Status [Member]
Loans and leases	632,900	631,513
Commercial Lease Residential And Consumer Portfolio Segments [Member] | Performing Less Than Ninety Days Past Due [Member}
Loans and leases	628,209	626,351
Commercial Lease Residential And Consumer Portfolio Segments [Member] | Non Performing Greater Than Ninety Days Past Due [Member]
Loans and leases	4,691	5,162
Commercial Portfolio Segment [Member]
Loans and leases	1,479,247	1,429,410
Commercial Portfolio Segment [Member] | Delinquency Status [Member]
Loans and leases	112,768	103,404
Commercial Portfolio Segment [Member] | Performing Less Than Ninety Days Past Due [Member}
Loans and leases	112,371	102,713
Commercial Portfolio Segment [Member] | Non Performing Greater Than Ninety Days Past Due [Member]
Loans and leases	397	691
Commercial Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Loans and leases	4,549	4,931
Finance Leases Portfolio Segment [Member]
Loans and leases	108,543	117,969
Finance Leases Portfolio Segment [Member] | Delinquency Status [Member]
Loans and leases	108,543	117,969
Finance Leases Portfolio Segment [Member] | Performing Less Than Ninety Days Past Due [Member}
Loans and leases	106,642	116,097
Finance Leases Portfolio Segment [Member] | Non Performing Greater Than Ninety Days Past Due [Member]
Loans and leases	1,901	1,872
Finance Leases Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Loans and leases	1,900	1,872
Residential Portfolio Segment [Member]
Loans and leases	288,502	290,759
Residential Portfolio Segment [Member] | Delinquency Status [Member]
Loans and leases	288,502	290,759
Residential Portfolio Segment [Member] | Performing Less Than Ninety Days Past Due [Member}
Loans and leases	286,822	288,827
Residential Portfolio Segment [Member] | Non Performing Greater Than Ninety Days Past Due [Member]
Loans and leases	1,680	1,932
Residential Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Loans and leases	1,680	1,932
Consumer Portfolio Segment [Member]
Loans and leases	123,087	119,381
Consumer Portfolio Segment [Member] | Delinquency Status [Member]
Loans and leases	123,087	119,381
Consumer Portfolio Segment [Member] | Performing Less Than Ninety Days Past Due [Member}
Loans and leases	122,374	118,714
Consumer Portfolio Segment [Member] | Non Performing Greater Than Ninety Days Past Due [Member]
Loans and leases	713	667
Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Loans and leases	$ 712	$ 667
Commercial and Commercial Real Estate Portfolio Segments [Member] | Delinquency Status [Member]
As a % of Total	100.00%	100.00%
Commercial and Commercial Real Estate Portfolio Segments [Member] | Performing Less Than Ninety Days Past Due [Member}
As a % of Total	99.26%	99.18%
Commercial and Commercial Real Estate Portfolio Segments [Member] | Non Performing Greater Than Ninety Days Past Due [Member]
As a % of Total	0.74%	0.82%

NOTE 3 - LOANS_LEASES RECEIV_12

NOTE 3 - LOANS/LEASES RECEIVABLE - Troubled Debt Restructurings (Details) - Payment Deferral [Member] $ in Thousands	3 Months Ended
	Mar. 31, 2019USD ($)loan	Mar. 31, 2018USD ($)loan
Number of Loans / Leases | loan	4	3
Pre-Modification Recorded Investment	$ 122,126	$ 94
Post-Modification Recorded Investment	$ 122,126	$ 94
Finance Leases Portfolio Segment [Member]
Number of Loans / Leases | loan	4	2
Pre-Modification Recorded Investment	$ 122,126	$ 48
Post-Modification Recorded Investment	$ 122,126	$ 48
Residential Portfolio Segment [Member]
Number of Loans / Leases | loan		1
Pre-Modification Recorded Investment		$ 46
Post-Modification Recorded Investment		$ 46

NOTE 4 - DERIVATIVES (Details)

NOTE 4 - DERIVATIVES (Details) $ in Millions	3 Months Ended
	Mar. 31, 2019USD ($)contract
Number of derivative instruments | contract	2
Interest rate cap | Cash Flow Hedging [Member]
Initial premium paid upfront for the two caps	$ 2.1
1-month FHLB Advance | Cash Flow Hedging [Member]
short-term liabilities	$ 30

NOTE 4 - DERIVATIVES - Summary

NOTE 4 - DERIVATIVES - Summary of Interest Rate Cap Derivatives (Details) - Designated as Hedging Instrument [Member] - Cash Flow Hedging [Member] - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Interest rate cap | Other Assets [Member]
Notional Amount	$ 30,000
Fair Value - Asset	297	$ 459
Interest rate swap | Other Liabilities.
Notional Amount	39,000
Maturity Of 2019 | Other Assets [Member]
Notional Amount	15,000
Fair Value - Asset	$ 56	117
Maturity Of 2019 | Other Assets [Member] | London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	0.94%
Maturity Of 2021 | Other Assets [Member]
Notional Amount	$ 15,000
Fair Value - Asset	$ 241	$ 342
Maturity Of 2021 | Other Assets [Member] | London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.44%

NOTE 4 - DERIVATIVES - Summar_2

NOTE 4 - DERIVATIVES - Summary of Interest Rate Swaps Derivatives (Details) - Designated as Hedging Instrument [Member] - Other Liabilities. - Cash Flow Hedging [Member] - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Dec. 31, 2018
Interest rate swap
Notional Amount	$ 39,000
Fair Value - Liability	$ (2,151)	$ (1,151)
Receive Rate	4.89%
Pay Rate	5.24%
QCR Holdings Statutory Trust II
Notional Amount	$ 10,000
Fair Value - Liability	$ (557)	(298)
Receive Rate	5.44%
Pay Rate	5.85%
QCR Holdings Statutory Trust III
Notional Amount	$ 8,000
Fair Value - Liability	$ (445)	(239)
Receive Rate	5.44%
Pay Rate	5.85%
QCR Holdings Statutory Trust V
Notional Amount	$ 10,000
Fair Value - Liability	$ (540)	(288)
Receive Rate	4.34%
Pay Rate	4.54%
Community National Statutory Trust II
Notional Amount	$ 3,000
Fair Value - Liability	$ (166)	(89)
Receive Rate	4.80%
Pay Rate	5.17%
Community National Statutory Trust III
Notional Amount	$ 3,500
Fair Value - Liability	$ (194)	(104)
Receive Rate	4.36%
Pay Rate	4.75%
Guaranty Bankshares Statutory Trust I
Notional Amount	$ 4,500
Fair Value - Liability	$ (249)	$ (133)
Receive Rate	4.36%
Pay Rate	4.75%

NOTE 4 - DERIVATIVES - Signific

NOTE 4 - DERIVATIVES - Significantly Impact of operations (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Fee Income On Derivative Contracts	$ 3,200	$ 959	$ 10,800
Not Designated as Hedging Instrument [Member] | Interest rate swap
Derivative Asset, Notional Amount	490,780		445,022
Derivative Assets	36,078		22,196
Derivative Liability, Notional Amount	490,780		445,022
Derivative Liabilities	$ 36,078		$ 22,196

NOTE 5 - SUBORDINATED NOTES (De

NOTE 5 - SUBORDINATED NOTES (Details) - USD ($) $ in Thousands	Aug. 15, 2019	Feb. 12, 2019	Mar. 31, 2019
Debt Instrument [Line Items]
Net proceeds after deducting underwriting discount and estimated expenses		$ 63,400	$ 63,393
Fixed rate		5.375%
Fixed term	5 years
Unamortized debt issuance costs			1,600
Outstanding balance			$ 9,000
London Interbank Offered Rate (LIBOR)
Debt Instrument [Line Items]
Basis points		282.00%
Revolving line of credit
Debt Instrument [Line Items]
Outstanding balance		$ 9,000
Subordinated Notes Due February 15, 2029 [Member]
Debt Instrument [Line Items]
Aggregate principal amount		65,000
Term Notes Member
Debt Instrument [Line Items]
Repaid term notes		$ 21,300

NOTE 6 - EARNINGS PER SHARE - B

NOTE 6 - EARNINGS PER SHARE - Basic and Diluted (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Earnings Per Share
Net income	$ 12,918	$ 10,550
Basic earnings per common share (in dollars per share)	$ 0.82	$ 0.76
Diluted earnings per common share (in dollars per share)	$ 0.81	$ 0.74
Weighted average common shares outstanding (in shares)	15,693,345	13,888,661
Weighted average common shares issuable upon exercise of stock options and under the employee stock purchase plan** (in shares)	229,595	316,923
Weighted average common and common equivalent shares outstanding (in shares)	15,922,940	14,205,584

NOTE 7 - FAIR VALUE (Details)

NOTE 7 - FAIR VALUE (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Securities available for sale, fair value	$ 260,447	$ 261,056
Assets Fair Value	18,503	19,785
Fair Value, Inputs, Level 3 [Member]
Assets Fair Value	18,503	19,785
Fair Value, Measurements, Recurring [Member]
Assets Fair Value	296,822	283,711
Liabilities Fair Value	38,229	23,347
Fair Value, Measurements, Recurring [Member] | Interest rate cap
Interest rate	297	459
Fair Value, Measurements, Recurring [Member] | Interest rate swap
Interest rate	36,078	22,196
Derivative Liabilities	38,229	23,347
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Assets Fair Value	296,822	283,711
Liabilities Fair Value	38,229	23,347
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Interest rate cap
Interest rate	297	459
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Interest rate swap
Interest rate	36,078	22,196
Derivative Liabilities	38,229	23,347
US Government Agencies Debt Securities
Securities available for sale, fair value	35,843	36,411
US Government Agencies Debt Securities | Fair Value, Measurements, Recurring [Member]
Securities available for sale, fair value	35,843	36,411
US Government Agencies Debt Securities | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale, fair value	35,843	36,411
Residential Mortgage Backed Securities
Securities available for sale, fair value	161,692	159,249
Residential Mortgage Backed Securities | Fair Value, Measurements, Recurring [Member]
Securities available for sale, fair value	161,692	159,249
Residential Mortgage Backed Securities | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale, fair value	161,692	159,249
US States and Political Subdivisions Debt Securities
Securities available for sale, fair value	56,124	58,546
US States and Political Subdivisions Debt Securities | Fair Value, Measurements, Recurring [Member]
Securities available for sale, fair value	56,124	58,546
US States and Political Subdivisions Debt Securities | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale, fair value	56,124	58,546
Other Securities
Securities available for sale, fair value	6,788	6,850
Other Securities | Fair Value, Measurements, Recurring [Member]
Securities available for sale, fair value	6,788	6,850
Other Securities | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale, fair value	6,788	6,850
Impaired Loans Leases [Member]
Assets Fair Value	8,665	9,657
Impaired Loans Leases [Member] | Fair Value, Inputs, Level 3 [Member]
Assets Fair Value	8,665	9,657
Other Real Estate Owned [Member]
Assets Fair Value	9,838	10,128
Other Real Estate Owned [Member] | Fair Value, Inputs, Level 3 [Member]
Assets Fair Value	$ 9,838	$ 10,128

NOTE 7 - FAIR VALUE - Quantitat

NOTE 7 - FAIR VALUE - Quantitative Information About Level Fair Value Measurements (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2019USD ($)item	Mar. 31, 2018USD ($)	Dec. 31, 2018USD ($)
Fair value	$ 18,503		$ 19,785
Transfers of assets or liabilities between Levels 1, 2 and 3	0	$ 0
Impaired Loans Leases [Member]
Fair value	$ 8,665		9,657
Valuation technique	qcrh:ValuationTechniqueAppraisalOfCollateralMember
Unobservable input	us-gaap:MeasurementInputAppraisedValueMember
Impaired Loans Leases [Member] | Minimum
Impaired loans/leases, measurement input | item	(10)
Impaired Loans Leases [Member] | Maximum
Impaired loans/leases, measurement input | item	(30)
Other Real Estate Owned [Member]
Fair value	$ 9,838		10,128
Valuation technique, OREO	qcrh:ValuationTechniqueAppraisalOfCollateralMember
Unobservable input, OREO	us-gaap:MeasurementInputAppraisedValueMember
Other Real Estate Owned [Member] | Minimum
OREO, measurement input | item	0
Other Real Estate Owned [Member] | Maximum
OREO, measurement input | item	(35)
Fair Value, Inputs, Level 3 [Member]
Fair value	$ 18,503		19,785
Fair Value, Inputs, Level 3 [Member] | Impaired Loans Leases [Member]
Fair value	8,665		9,657
Fair Value, Inputs, Level 3 [Member] | Other Real Estate Owned [Member]
Fair value	$ 9,838		$ 10,128

NOTE 7 - FAIR VALUE - Carrying

NOTE 7 - FAIR VALUE - Carrying Values and Estimated Fair Values of Financial Assets and Liabilities (Details) - USD ($) $ in Thousands	Feb. 12, 2019	Mar. 31, 2019	Dec. 31, 2018
Interest-bearing deposits at financial institutions		$ 214,160	$ 133,198
Securities held to maturity, fair value		406,371	400,770
Securities available for sale, fair value		260,447	261,056
Subordinated notes	$ 63,400	63,393
Fair Value, Inputs, Level 1 [Member] | Reported Value Measurement [Member]
Cash and due from banks		76,527	85,523
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value Measurement [Member]
Cash and due from banks		76,527	85,523
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member]
Federal funds sold		1,872	26,398
Securities held to maturity, fair value		395,302	401,913
Securities available for sale, fair value		260,447	261,056
Loans/leases receivable, net		3,750,245	3,683,965
Short-term borrowings		15,886	28,774
FHLB advances		126,180	266,492
Other borrowings		35,000	67,250
Subordinated notes		68,215	4,782
Junior subordinated debentures		37,713	37,670
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member] | Non-maturity Deposits [Member]
Deposits		3,159,581	3,002,327
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member] | Time Deposits [Member]
Deposits		1,034,639	974,704
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member] | Interest rate cap
Interest rate		297	459
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member] | Interest rate swap
Interest rate		36,078	22,196
Interest rate swaps - liabilities		38,229	23,347
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member] | Interest-bearing Deposits [Member]
Interest-bearing deposits at financial institutions		214,160	133,198
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member]
Federal funds sold		1,872	26,398
Securities held to maturity, fair value		406,371	400,771
Securities available for sale, fair value		260,447	261,056
Loans/leases receivable, net		3,711,945	3,639,329
Short-term borrowings		15,886	28,774
FHLB advances		126,273	265,926
Other borrowings		35,954	67,770
Subordinated notes		68,379	4,933
Junior subordinated debentures		30,366	29,992
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Non-maturity Deposits [Member]
Deposits		3,159,581	3,002,327
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Time Deposits [Member]
Deposits		1,025,570	968,906
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Interest rate cap
Interest rate		297	459
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Interest rate swap
Interest rate		36,078	22,196
Interest rate swaps - liabilities		38,229	23,347
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Interest-bearing Deposits [Member]
Interest-bearing deposits at financial institutions		214,160	133,198
Fair Value, Inputs, Level 3 [Member] | Reported Value Measurement [Member]
Loans/leases receivable, net		8,023	8,942
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value Measurement [Member]
Loans/leases receivable, net		$ 8,665	$ 9,657

NOTE 8 - BUSINESS SEGMENT INF_3

NOTE 8 - BUSINESS SEGMENT INFORMATION (Details) $ in Thousands	Mar. 31, 2019USD ($)subsidiary
Number of subsidiaries commercial banks	5
Commercial Banking Segment [Member]
Number of subsidiaries commercial banks	5
Wealth Management Segment [Member]
Number of subsidiaries commercial banks	5
Assets allocated | $	$ 0

NOTE 8 - BUSINESS SEGMENT INF_4

NOTE 8 - BUSINESS SEGMENT INFORMATION - Selected Financial Information on the Company's Business Segments (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Total revenue	$ 64,095	$ 48,087
Net interest income	36,908	32,403
Provision	2,134	2,540
Net income	12,918	10,550
Goodwill	77,872	28,334	$ 77,832
Core deposit intangible	16,918	8,774	17,450
Total assets	5,066,662	4,026,314	$ 4,949,710
Net income (loss)	12,918	10,550
Intersegment Eliminations [Member]
Total revenue	(14,658)	(12,600)
Net income	(14,450)	(12,420)
Total assets	(601,432)	(444,407)
Commercial Banking Segment [Member] | Quad City Bank and Trust Company [Member] | Operating Segments [Member]
Total revenue	18,544	15,808
Net interest income	12,139	12,120
Provision	1,020	1,120
Net income	4,185	4,458
Goodwill	3,223	3,223
Total assets	1,660,374	1,526,829
Commercial Banking Segment [Member] | Cedar Rapids Bank and Trust [Member] | Operating Segments [Member]
Total revenue	19,244	15,997
Net interest income	10,407	10,836
Provision	425	602
Net income	5,100	4,617
Goodwill	14,980	15,223
Core deposit intangible	3,061	3,567
Total assets	1,446,637	1,331,209
Commercial Banking Segment [Member] | Community State Bank [Member] | Operating Segments [Member]
Total revenue	9,270	8,163
Net interest income	6,966	6,744
Provision	150	576
Net income	2,157	1,869
Goodwill	9,888	9,888
Core deposit intangible	4,501	5,207
Total assets	785,076	696,979
Commercial Banking Segment [Member] | Rockford Bank and Trust [Member] | Operating Segments [Member]
Total revenue	5,596	4,998
Net interest income	3,428	3,465
Provision	39	242
Net income	517	741
Total assets	513,045	468,112
Commercial Banking Segment [Member] | SPRINGFIELD BANCSHARES, INC | Operating Segments [Member]
Total revenue	7,288
Net interest income	5,227
Provision	500
Net income	1,653
Goodwill	45,975
Core deposit intangible	7,501
Total assets	638,542
Wealth Management Segment [Member] | Operating Segments [Member]
Total revenue	4,229	3,189
Net income	1,158	771
Other Segments [Member] | Operating Segments [Member]
Total revenue	14,582	12,533
Net interest income	(1,259)	(762)
Net income	12,598	10,514
Goodwill	3,806
Core deposit intangible	1,855
Total assets	$ 624,420	$ 447,592

NOTE 9 - REGULATORY CAPITAL R_3

NOTE 9 - REGULATORY CAPITAL REQUIREMENTS - Capital Requirements (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Total risk-based capital, actual, amount	$ 538,030	$ 460,416
Total risk-based capital, actual, ratio	12.26%	10.69%
Total risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 351,173	$ 344,551
Total risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	8.00%	8.00%
Total risk-based capital for capital adequacy purposes, amount	$ 460,914	$ 425,305
Total risk-based capital for capital adequacy purposes, ratio	10.50%	9.875%
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 438,966	$ 430,689
Total risk-based capital to be well capitalized under prompt corrective action provisions, ratio	10.00%	10.00%
Tier 1 risk-based capital, actual, amount	$ 433,453	$ 420,569
Tier 1 risk-based capital, actual, ratio	9.87%	9.77%
Tier 1 risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 263,379	$ 258,413
Tier 1 risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	6.00%	6.00%
Tier 1 risk-based capital for capital adequacy purposes, amount	$ 373,121	$ 339,168
Tier 1 risk-based capital for capital adequacy purposes, ratio	8.50%	7.875%
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 351,173	$ 344,551
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio	8.00%	8.00%
Tier 1 leverage, actual, amount	$ 433,453	$ 420,569
Tier 1 leverage, actual, ratio	8.90%	8.87%
Tier 1 leverage for capital adequacy purposes, amount, without capital conservation buffer	$ 194,905	$ 189,858
Tier 1 leverage for capital adequacy purposes, ratio, without capital conservation buffer	4.00%	4.00%
Tier 1 leverage for capital adequacy purposes, amount	$ 194,905	$ 189,858
Tier 1 leverage for capital adequacy purposes, ratio	4.00%	4.00%
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount	$ 243,632	$ 237,322
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio	5.00%	5.00%
Common equity Tier 1, actual, amount	$ 395,740	$ 382,899
Common equity Tier 1, actual ratio	9.02%	8.89%
Common equity Tier 1 for capital adequacy purposes, amount, without capital conservation buffer	$ 197,535	$ 193,810
Common equity Tier 1 for capital adequacy purposes, ratio, without capital conservation buffer	4.50%	4.50%
Common equity Tier 1 for capital adequacy purposes, amount	$ 307,276	$ 274,564
Common equity Tier 1 for capital adequacy purposes, ratio	7.00%	6.375%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount	$ 295,328	$ 279,948
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio	6.50%	6.50%
Quad City Bank and Trust Company [Member]
Total risk-based capital, actual, amount	$ 166,864	$ 162,009
Total risk-based capital, actual, ratio	11.59%	11.38%
Total risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 115,131	$ 113,900
Total risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	8.00%	8.00%
Total risk-based capital for capital adequacy purposes, amount	$ 151,110	$ 140,596
Total risk-based capital for capital adequacy purposes, ratio	10.50%	9.875%
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 143,914	$ 142,376
Total risk-based capital to be well capitalized under prompt corrective action provisions, ratio	10.00%	10.00%
Tier 1 risk-based capital, actual, amount	$ 153,375	$ 148,529
Tier 1 risk-based capital, actual, ratio	10.66%	10.43%
Tier 1 risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 86,349	$ 85,425
Tier 1 risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	6.00%	6.00%
Tier 1 risk-based capital for capital adequacy purposes, amount	$ 122,327	$ 112,121
Tier 1 risk-based capital for capital adequacy purposes, ratio	8.50%	7.875%
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 115,131	$ 113,900
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio	8.00%	8.00%
Tier 1 leverage, actual, amount	$ 153,375	$ 148,529
Tier 1 leverage, actual, ratio	9.21%	9.04%
Tier 1 leverage for capital adequacy purposes, amount, without capital conservation buffer	$ 66,621	$ 65,744
Tier 1 leverage for capital adequacy purposes, ratio, without capital conservation buffer	4.00%	4.00%
Tier 1 leverage for capital adequacy purposes, amount	$ 66,621	$ 65,744
Tier 1 leverage for capital adequacy purposes, ratio	4.00%	4.00%
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount	$ 83,277	$ 82,180
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio	5.00%	5.00%
Common equity Tier 1, actual, amount	$ 153,375	$ 148,529
Common equity Tier 1, actual ratio	10.66%	10.43%
Common equity Tier 1 for capital adequacy purposes, amount, without capital conservation buffer	$ 64,761	$ 64,069
Common equity Tier 1 for capital adequacy purposes, ratio, without capital conservation buffer	4.50%	4.50%
Common equity Tier 1 for capital adequacy purposes, amount	$ 100,740	$ 90,764
Common equity Tier 1 for capital adequacy purposes, ratio	7.00%	6.375%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount	$ 93,544	$ 92,544
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio	6.50%	6.50%
Cedar Rapids Bank and Trust [Member]
Total risk-based capital, actual, amount	$ 152,230	$ 146,292
Total risk-based capital, actual, ratio	11.59%	11.55%
Total risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 105,103	$ 101,310
Total risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	8.00%	8.00%
Total risk-based capital for capital adequacy purposes, amount	$ 137,947	$ 125,054
Total risk-based capital for capital adequacy purposes, ratio	10.50%	9.875%
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 131,379	$ 126,637
Total risk-based capital to be well capitalized under prompt corrective action provisions, ratio	10.00%	10.00%
Tier 1 risk-based capital, actual, amount	$ 139,406	$ 133,982
Tier 1 risk-based capital, actual, ratio	10.61%	10.58%
Tier 1 risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 78,827	$ 75,982
Tier 1 risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	6.00%	6.00%
Tier 1 risk-based capital for capital adequacy purposes, amount	$ 111,672	$ 99,727
Tier 1 risk-based capital for capital adequacy purposes, ratio	8.50%	7.875%
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 105,103	$ 101,310
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio	8.00%	8.00%
Tier 1 leverage, actual, amount	$ 139,406	$ 133,982
Tier 1 leverage, actual, ratio	10.03%	9.98%
Tier 1 leverage for capital adequacy purposes, amount, without capital conservation buffer	$ 55,617	$ 53,682
Tier 1 leverage for capital adequacy purposes, ratio, without capital conservation buffer	4.00%	4.00%
Tier 1 leverage for capital adequacy purposes, amount	$ 55,617	$ 53,682
Tier 1 leverage for capital adequacy purposes, ratio	4.00%	4.00%
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount	$ 69,521	$ 67,103
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio	5.00%	5.00%
Common equity Tier 1, actual, amount	$ 139,406	$ 133,982
Common equity Tier 1, actual ratio	10.61%	10.58%
Common equity Tier 1 for capital adequacy purposes, amount, without capital conservation buffer	$ 59,120	$ 56,987
Common equity Tier 1 for capital adequacy purposes, ratio, without capital conservation buffer	4.50%	4.50%
Common equity Tier 1 for capital adequacy purposes, amount	$ 91,965	$ 80,731
Common equity Tier 1 for capital adequacy purposes, ratio	7.00%	6.375%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount	$ 85,396	$ 82,314
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio	6.50%	6.50%
Community State Bank [Member]
Total risk-based capital, actual, amount	$ 82,640	$ 75,233
Total risk-based capital, actual, ratio	12.23%	11.24%
Total risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 54,069	$ 53,567
Total risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	8.00%	8.00%
Total risk-based capital for capital adequacy purposes, amount	$ 70,966	$ 66,122
Total risk-based capital for capital adequacy purposes, ratio	10.50%	9.875%
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 67,587	$ 66,959
Total risk-based capital to be well capitalized under prompt corrective action provisions, ratio	10.00%	10.00%
Tier 1 risk-based capital, actual, amount	$ 76,329	$ 69,101
Tier 1 risk-based capital, actual, ratio	11.29%	10.32%
Tier 1 risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 40,552	$ 40,175
Tier 1 risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	6.00%	6.00%
Tier 1 risk-based capital for capital adequacy purposes, amount	$ 57,449	$ 52,730
Tier 1 risk-based capital for capital adequacy purposes, ratio	8.50%	7.875%
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 54,069	$ 53,567
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio	8.00%	8.00%
Tier 1 leverage, actual, amount	$ 76,329	$ 69,101
Tier 1 leverage, actual, ratio	9.97%	9.19%
Tier 1 leverage for capital adequacy purposes, amount, without capital conservation buffer	$ 30,630	$ 30,070
Tier 1 leverage for capital adequacy purposes, ratio, without capital conservation buffer	4.00%	4.00%
Tier 1 leverage for capital adequacy purposes, amount	$ 30,630	$ 30,070
Tier 1 leverage for capital adequacy purposes, ratio	4.00%	4.00%
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount	$ 38,287	$ 37,588
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio	5.00%	5.00%
Common equity Tier 1, actual, amount	$ 76,329	$ 69,101
Common equity Tier 1, actual ratio	11.29%	10.32%
Common equity Tier 1 for capital adequacy purposes, amount, without capital conservation buffer	$ 30,414	$ 30,131
Common equity Tier 1 for capital adequacy purposes, ratio, without capital conservation buffer	4.50%	4.50%
Common equity Tier 1 for capital adequacy purposes, amount	$ 47,311	$ 42,686
Common equity Tier 1 for capital adequacy purposes, ratio	7.00%	6.375%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount	$ 43,931	$ 43,523
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio	6.50%	6.50%
Rockford Bank and Trust [Member]
Total risk-based capital, actual, amount	$ 62,958
Total risk-based capital, actual, ratio	13.04%
Total risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 38,639
Total risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	8.00%
Total risk-based capital for capital adequacy purposes, amount	$ 50,713
Total risk-based capital for capital adequacy purposes, ratio	10.50%
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 48,298
Total risk-based capital to be well capitalized under prompt corrective action provisions, ratio	10.00%
Tier 1 risk-based capital, actual, amount	$ 56,666
Tier 1 risk-based capital, actual, ratio	11.73%
Tier 1 risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 28,979
Tier 1 risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	6.00%
Tier 1 risk-based capital for capital adequacy purposes, amount	$ 41,053
Tier 1 risk-based capital for capital adequacy purposes, ratio	8.50%
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 38,639
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio	8.00%
Tier 1 leverage, actual, amount	$ 56,666
Tier 1 leverage, actual, ratio	10.36%
Tier 1 leverage for capital adequacy purposes, amount, without capital conservation buffer	$ 21,883
Tier 1 leverage for capital adequacy purposes, ratio, without capital conservation buffer	4.00%
Tier 1 leverage for capital adequacy purposes, amount	$ 21,883
Tier 1 leverage for capital adequacy purposes, ratio	4.00%
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount	$ 27,353
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio	5.00%
Common equity Tier 1, actual, amount	$ 56,666
Common equity Tier 1, actual ratio	11.73%
Common equity Tier 1 for capital adequacy purposes, amount, without capital conservation buffer	$ 21,734
Common equity Tier 1 for capital adequacy purposes, ratio, without capital conservation buffer	4.50%
Common equity Tier 1 for capital adequacy purposes, amount	$ 33,809
Common equity Tier 1 for capital adequacy purposes, ratio	7.00%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount	$ 31,394
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio	6.50%
SPRINGFIELD BANCSHARES, INC
Total risk-based capital, actual, amount	$ 51,286	$ 50,648
Total risk-based capital, actual, ratio	10.93%	10.89%
Total risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 37,530	$ 37,208
Total risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	8.00%	8.00%
Total risk-based capital for capital adequacy purposes, amount	$ 49,259	$ 45,929
Total risk-based capital for capital adequacy purposes, ratio	10.50%	9.875%
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 46,913	$ 46,511
Total risk-based capital to be well capitalized under prompt corrective action provisions, ratio	10.00%	10.00%
Tier 1 risk-based capital, actual, amount	$ 45,408	$ 44,821
Tier 1 risk-based capital, actual, ratio	9.68%	9.64%
Tier 1 risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 28,148	$ 27,906
Tier 1 risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	6.00%	6.00%
Tier 1 risk-based capital for capital adequacy purposes, amount	$ 39,876	$ 36,627
Tier 1 risk-based capital for capital adequacy purposes, ratio	8.50%	7.875%
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 37,530	$ 37,208
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio	8.00%	8.00%
Tier 1 leverage, actual, amount	$ 45,408	$ 44,821
Tier 1 leverage, actual, ratio	8.84%	8.93%
Tier 1 leverage for capital adequacy purposes, amount, without capital conservation buffer	$ 20,544	$ 20,081
Tier 1 leverage for capital adequacy purposes, ratio, without capital conservation buffer	4.00%	4.00%
Tier 1 leverage for capital adequacy purposes, amount	$ 20,544	$ 20,081
Tier 1 leverage for capital adequacy purposes, ratio	4.00%	4.00%
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount	$ 25,681	$ 25,101
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio	5.00%	5.00%
Common equity Tier 1, actual, amount	$ 45,408	$ 44,821
Common equity Tier 1, actual ratio	9.68%	9.64%
Common equity Tier 1 for capital adequacy purposes, amount, without capital conservation buffer	$ 21,111	$ 20,930
Common equity Tier 1 for capital adequacy purposes, ratio, without capital conservation buffer	4.50%	4.50%
Common equity Tier 1 for capital adequacy purposes, amount	$ 32,839	$ 29,650
Common equity Tier 1 for capital adequacy purposes, ratio	7.00%	6.375%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount	$ 30,494	$ 30,232
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio	6.50%	6.50%
Springfield First Community Bank [Member]
Total risk-based capital, actual, amount		$ 57,051
Total risk-based capital, actual, ratio		12.24%
Total risk-based capital for capital adequacy purposes, amount, without capital conservation buffer		$ 37,278
Total risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer		8.00%
Total risk-based capital for capital adequacy purposes, amount		$ 46,016
Total risk-based capital for capital adequacy purposes, ratio		9.875%
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount		$ 46,598
Total risk-based capital to be well capitalized under prompt corrective action provisions, ratio		10.00%
Tier 1 risk-based capital, actual, amount		$ 51,279
Tier 1 risk-based capital, actual, ratio		11.00%
Tier 1 risk-based capital for capital adequacy purposes, amount, without capital conservation buffer		$ 27,959
Tier 1 risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer		6.00%
Tier 1 risk-based capital for capital adequacy purposes, amount		$ 36,696
Tier 1 risk-based capital for capital adequacy purposes, ratio		7.875%
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount		$ 37,278
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio		8.00%
Tier 1 leverage, actual, amount		$ 51,279
Tier 1 leverage, actual, ratio		9.39%
Tier 1 leverage for capital adequacy purposes, amount, without capital conservation buffer		$ 21,849
Tier 1 leverage for capital adequacy purposes, ratio, without capital conservation buffer		4.00%
Tier 1 leverage for capital adequacy purposes, amount		$ 21,849
Tier 1 leverage for capital adequacy purposes, ratio		4.00%
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount		$ 27,312
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio		5.00%
Common equity Tier 1, actual, amount		$ 51,279
Common equity Tier 1, actual ratio		11.00%
Common equity Tier 1 for capital adequacy purposes, amount, without capital conservation buffer		$ 20,969
Common equity Tier 1 for capital adequacy purposes, ratio, without capital conservation buffer		4.50%
Common equity Tier 1 for capital adequacy purposes, amount		$ 29,706
Common equity Tier 1 for capital adequacy purposes, ratio		6.375%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount		$ 30,289
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio		6.50%