QCR (QCRH) 10-Q 8 Nov 19 2019 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2019	Nov. 01, 2019
Document and Entity Information [Abstract]
Document Type	10-Q
Document Period End Date	Sep. 30, 2019
Entity Registrant Name	QCR HOLDINGS INC
Entity Current Reporting Status	Yes
Entity Filer Category	Accelerated Filer
Current Fiscal Year End Date	--12-31
Entity Interactive Data Current	Yes
Entity Small Business	false
Entity Shell Company	false
Entity Emerging Growth Company	false
Entity Common Stock, Shares Outstanding (in shares)		15,794,839
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	Q3
Entity Central Index Key	0000906465
Amendment Flag	false

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Assets
Cash and due from banks	$ 91,671	$ 85,523
Federal funds sold	9,300	26,398
Interest-bearing deposits at financial institutions	187,963	133,198
Securities held to maturity, at amortized cost	343,477	401,913
Securities available for sale, at fair value	211,932	261,056
Total securities	555,409	662,969
Loans receivable held for sale	8,890	1,295
Loans/leases receivable held for investment	3,601,380	3,731,459
Gross loans/leases receivable	3,610,270	3,732,754
Less allowance for estimated losses on loans/leases	(36,116)	(39,847)
Net loans/leases receivable	3,574,154	3,692,907
Bank-owned life insurance	58,367	67,783
Premises and equipment, net	74,486	75,582
Restricted investment securities	24,562	25,689
Other real estate owned, net	4,248	9,378
Goodwill	77,748	77,832
Intangibles	15,529	17,450
Assets held for sale	465,547
Other assets	153,398	75,001
Total assets	5,292,382	4,949,710
Liabilities and Stockholders' Equity
Noninterest-bearing	782,232	791,102
Interest-bearing	3,020,009	3,185,929
Total deposits	3,802,241	3,977,031
Short-term borrowings	18,526	28,774
Federal Home Loan Bank advances	195,800	266,492
Other borrowings		67,250
Subordinated notes	68,334	4,782
Junior subordinated debentures	37,797	37,670
Liabilities held for sale	470,530
Other liabilities	179,411	94,573
Total liabilities	4,772,639	4,476,572
Stockholders' Equity:
Preferred stock, $1 par value; shares authorized 250,000 September 2019 and December 2018 - no shares issued or outstanding
Common stock, $1 par value; shares authorized 20,000,000 September 2019 - 15,790,462 shares issued and outstanding December 2018 - 15,718,208 shares issued and outstanding	15,790	15,718
Additional paid-in capital	273,475	270,761
Retained earnings	230,892	192,203
Accumulated other comprehensive income (loss):
Securities available for sale	3,832	(4,268)
Derivatives	(4,246)	(1,276)
Total stockholders' equity	519,743	473,138
Total liabilities and stockholders' equity	$ 5,292,382	$ 4,949,710

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parentheticals) - $ / shares	Sep. 30, 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)	15,790,462	15,718,208
Common stock, outstanding (in shares)	15,790,462	15,718,208

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Interest and dividend income:
Loans/leases, including fees	$ 50,406	$ 44,034	$ 143,488	$ 113,655
Securities:
Taxable	1,682	1,522	5,026	4,671
Nontaxable	3,443	3,517	10,461	10,101
Interest-bearing deposits at financial institutions	951	324	3,042	749
Restricted investment securities	293	329	891	776
Federal funds sold	42	105	191	223
Total interest and dividend income	56,817	49,831	163,099	130,175
Interest expense:
Deposits	13,394	8,723	39,697	20,132
Short-term borrowings	97	78	275	186
Federal Home Loan Bank advances	1,023	1,422	2,685	3,637
Other borrowings		705	512	1,875
Subordinated notes	1,003	70	2,561	70
Junior subordinated debentures	581	519	1,729	1,474
Total interest expense	16,098	11,517	47,459	27,374
Net interest income	40,719	38,314	115,640	102,801
Provision for loan/lease losses	2,012	6,206	6,087	11,046
Net interest income after provision for loan/lease losses	38,707	32,108	109,553	91,755
Noninterest income:
Revenue	76,723	58,640	212,063	156,437
Gains on sales of residential real estate loans, net	890	337	1,748	539
Gains on sales of government guaranteed portions of loans, net	519	46	589	405
Swap fee income	9,797	1,110	20,886	3,718
Securities losses, net	(3)		(56)
Earnings on bank-owned life insurance	489	474	1,441	1,292
Other	1,204	890	3,562	2,822
Total noninterest income	19,906	8,809	48,964	26,262
Noninterest expense:
Salaries and employee benefits	24,215	17,433	67,843	49,215
Occupancy and equipment expense	3,860	3,318	11,087	9,517
Professional and data processing fees	4,030	2,396	9,811	8,016
Acquisition costs		1,292		1,799
Post-acquisition compensation, transition and integration costs	884	494	1,727	659
FDIC insurance, other insurance and regulatory fees	542	933	2,432	2,529
Loan/lease expense	221	369	748	920
Net cost of (income from) and gains/losses on operations of other real estate	2,078	(50)	3,557	11
Advertising and marketing	1,056	984	2,878	2,430
Bank service charges	502	462	1,494	1,368
Losses on debt extinguishment, net	148		148
Correspondent banking expense	209	205	619	614
Amortization of intangibles	560	542	1,706	1,151
Other	1,640	2,122	4,891	4,504
Total noninterest expense	39,945	30,500	108,941	82,733
Net income before income taxes	18,668	10,417	49,576	35,284
Federal and state income tax expense	3,573	1,608	8,059	5,480
Net income	$ 15,095	$ 8,809	$ 41,517	$ 29,804
Basic earnings per common share (in dollars per share)	$ 0.96	$ 0.56	$ 2.64	$ 2.06
Diluted earnings per common share (in dollars per share)	$ 0.94	$ 0.55	$ 2.60	$ 2.02
Weighted average common shares outstanding (in shares)	15,739,430	15,625,123	15,715,788	14,477,783
Weighted average common and common equivalent shares outstanding (in shares)	15,976,742	15,922,324	15,946,020	14,786,777
Cash dividends declared per common share (in dollars per share)	$ 0.06	$ 0.06	$ 0.18	$ 0.18
Trust department fees
Noninterest income:
Revenue	$ 2,340	$ 2,196	$ 7,194	$ 6,491
Investment advisory and management services
Noninterest income:
Revenue	1,782	1,059	5,406	3,069
Deposit service fees
Noninterest income:
Revenue	1,813	1,656	5,025	4,797
Debit card fees
Noninterest income:
Revenue	886	846	2,591	2,456
Correspondent banking fees
Noninterest income:
Revenue	$ 189	$ 195	$ 578	$ 673

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Net income	$ 15,095	$ 8,809	$ 41,517	$ 29,804
Other comprehensive income (loss):
Unrealized holding gains (losses) arising during the period before tax	1,827	(1,652)	10,639	(8,531)
Less reclassification adjustment for losses included in net income before tax	(3)		(56)
Unrealized gains (losses) on securities available for sale	1,830	(1,652)	10,695	(7,676)
Unrealized holding losses arising during the period before tax	(1,159)	577	(4,101)	404
Less reclassification adjustment for caplet amortization before tax		(187)	(291)	(90)
Unrealized gains (losses) on derivatives	(1,159)	764	(3,810)	494
Unrealized holding gains (losses) arising during the period before tax on securities held for sale	48		48
Unrealized holding losses arising during the period before tax on derivatives held for sale	(31)		(31)
Less reclassification adjustment for caplet amortization before tax	(80)		(80)
Unrealized gains (losses) on assets held for sale	97		97
Other comprehensive income (loss), before tax	768	(888)	6,982	(7,182)
Tax expense (benefit)	224	(276)	1,852	(2,034)
Other comprehensive income (loss), net of tax	544	(612)	5,130	(5,148)
Comprehensive income	$ 15,639	$ 8,197	$ 46,647	24,656
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 | 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, 2017	13,918	189,077	151,963	(1,671)	353,287
Net income					29,804
Other comprehensive income (loss), net of tax					(5,148)
Balance at Sep. 30, 2018	15,674	269,373	179,826	(7,486)	457,387
Balance at Mar. 31, 2018	13,937	189,685	162,346	(5,540)	360,428
Net income			10,445		10,445
Other comprehensive income (loss), net of tax				(1,334)	(1,334)
Common cash dividends declared			(836)		(836)
Issuance of shares of common stock as a result of stock purchased under the Employee Stock Purchase Plan	6	215			221
Issuance of shares of common stock as a result of stock options exercised	26	362			388
Stock-based compensation expense		292			292
Restricted stock awards - shares of common stock	4	(4)
Exchange of shares of common stock in connection with payroll taxes for restricted stock and in connection with stock options exercised	1	(17)			(16)
Balance at Jun. 30, 2018	13,974	190,533	171,955	(6,874)	369,588
Net income			8,809		8,809
Other comprehensive income (loss), net of tax				(612)	(612)
Common cash dividends declared			(938)		(938)
Issuance of shares of common stock as a result of the merger, net of issuance cost	1,699	78,832			80,531
Issuance of shares of common stock as a result of stock purchased under the Employee Stock Purchase Plan	4	120			124
Issuance of shares of common stock as a result of stock options exercised	2	32			34
Stock-based compensation expense		319			319
Restricted stock awards - shares of common stock	5	(5)
Exchange of shares of common stock in connection with payroll taxes for restricted stock and in connection with stock options exercised	(10)	(458)			(468)
Balance at Sep. 30, 2018	15,674	269,373	179,826	(7,486)	457,387
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
Balance at Dec. 31, 2018	15,718	270,761	192,203	(5,544)	473,138
Net income					41,517
Other comprehensive income (loss), net of tax					5,130
Balance at Sep. 30, 2019	15,790	273,475	230,892	(414)	519,743
Balance at Mar. 31, 2019	15,755	271,673	204,179	(3,200)	488,407
Net income			13,504		13,504
Other comprehensive income (loss), net of tax				2,242	2,242
Common cash dividends declared			(942)		(942)
Issuance of shares of common stock as a result of stock purchased under the Employee Stock Purchase Plan	11	323			334
Issuance of shares of common stock as a result of stock options exercised	3	41			44
Stock-based compensation expense		719			719
Restricted stock awards - shares of common stock	5	(5)
Exchange of shares of common stock in connection with payroll taxes for restricted stock and in connection with stock options exercised	(1)	(7)			(8)
Balance at Jun. 30, 2019	15,773	272,744	216,741	(958)	504,300
Net income			15,095		15,095
Other comprehensive income (loss), net of tax				544	544
Common cash dividends declared			(944)		(944)
Issuance of shares of common stock as a result of stock purchased under the Employee Stock Purchase Plan	6	187			193
Issuance of shares of common stock as a result of stock options exercised	12	144			156
Stock-based compensation expense		428			428
Exchange of shares of common stock in connection with payroll taxes for restricted stock and in connection with stock options exercised	(1)	(28)			(29)
Balance at Sep. 30, 2019	$ 15,790	$ 273,475	$ 230,892	$ (414)	$ 519,743

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parentheticals) - USD ($)	3 Months Ended
	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Sep. 30, 2018	Jun. 30, 2018	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	$ 0.06	$ 0.06	$ 0.06	$ 0.06
Issuance of shares of common stock as a result of stock purchased under the Employee Stock Purchase Plan (in shares)	5,674	11,346	4,446	3,205	5,728	2,669
Issuance of shares of common stock as s result of stock options exercised (in shares)	12,438	2,414	25,238	1,754	26,641	13,074
Restricted stock awards (in shares)		4,769	12,719	5,300	3,972	6,860
Exchange of shares of common stock in connection with stock options exercised and restricted stock vested (in shares)	589	1,032	5,169	9,853	642	3,814
Common Stock [Member] | Springfield Bancshares
Issuance of shares of common stock, net of issuance costs				$ 106,237
Issuance of common stock, net of issuance costs, shares (in shares)				1,699,414

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018	Dec. 31, 2018
CASH FLOWS FROM OPERATING ACTIVITIES
Net income			$ 41,517	$ 29,804
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation			3,889	3,257
Provision for loan/lease losses	$ 2,012	$ 6,206	6,087	11,046
Stock-based compensation expense			1,869	1,106
Deferred compensation expense accrued			2,087	1,453
Losses on other real estate owned, net			3,205	49
Amortization of premiums on securities, net			1,339	1,201
Securities losses, net			56
Loans originated for sale			(104,824)	(39,923)
Proceeds on sales of loans			97,916	38,954
Gains on sales of residential real estate loans	(890)	(337)	(1,748)	(539)
Gains on sales of government guaranteed portions of loans	(519)	(46)	(589)	(405)
Losses on debt extinguishment, net	148		148
Gains on sales of premises and equipment			(67)
Amortization of intangibles	560	542	1,706	1,151
Accretion of acquisition fair value adjustments, net			(3,413)	(2,951)
Increase in cash value of bank-owned life insurance			(1,441)	(1,292)
Increase in other assets			(1,953)	(8,293)
Increase in other liabilities			336	2,254
Net cash provided by operating activities			46,120	36,872
CASH FLOWS FROM INVESTING ACTIVITIES
Net decrease (increase) in federal funds sold			17,098	(2,873)
Net decrease (increase) in interest-bearing deposits at financial institutions			(57,180)	22,099
Proceeds from sales of other real estate owned			840	1,288
Activity in securities portfolio:
Purchases			(28,119)	(66,420)
Calls, maturities and redemptions			9,074	22,915
Paydowns			36,649	36,279
Sales			33,128	1,938
Activity in restricted investment securities:
Purchases			(5,682)	(5,352)
Redemptions			5,006	109
Net increase in loans/leases originated and held for investment			(237,286)	(208,738)
Purchase of premises and equipment			(8,755)	(7,112)
Proceeds from sales of premises and equipment			146
Net cash paid for acquisition				(3,747)
Net cash (used in) investing activities			(235,081)	(209,614)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposit accounts			276,960	82,309
Net decrease in short-term borrowings			(9,091)	(2,207)
Activity in Federal Home Loan Bank advances:
Term advances			25,000
Calls and maturities			(35,000)	(27,000)
Net change in short-term and overnight advances			(15,965)	120,330
Prepayments	(30,200)		(30,228)
Activity in other borrowings:
Proceeds from other borrowings				9,000
Calls, maturities and scheduled principal payments			(11,937)	(10,613)
Prepayments			(46,313)
Paydown of revolving line of credit			(9,000)
Proceeds from subordinated notes			63,393
Payment of cash dividends on common stock			(2,822)	(2,362)
Proceeds from issuance of common stock, net			1,143	970
Net cash provided by financing activities			206,140	170,427
Net increase (decrease) in cash and due from banks			17,179	(2,315)
Cash and due from banks, beginning			85,523	75,722	$ 75,722
Cash and due from banks, ending	102,702	73,407	102,702	73,407	85,523
Cash and due from banks	91,671	73,407	91,671	73,407	$ 85,523
Cash included in assets held for sale	$ 11,031		11,031
Supplemental disclosure of cash flow information, cash payments (receipts) for:
Interest			45,826	23,102
Income/franchise taxes			769	1,100
Supplemental schedule of noncash investing activities:
Change in accumulated other comprehensive income, unrealized gains on securities available for sale and derivative instruments, net			5,130	(5,148)
Exchange of shares of common stock in connection with payroll taxes for restricted stock and in connection with stock options exercised			(189)	(662)
Transfers of loans to other real estate owned			1,049	46
Increase (decrease) in the fair value of back-to-back interest rate swap assets and liabilities			80,760	(2,441)
Dividends payable			$ 944	938
Transfer of equity securities from securities available for sale to other assets at fair value				2,614
Fair value of assets acquired:
Cash and due from banks		4,587		4,587
Interest-bearing deposits at financial institutions		62,925		62,925
Securities		4,845		4,845
Loans receivable, net		477,337		477,337
Bank-owned life insurance		7,092		7,092
Premises and equipment, net		6,092		6,092
Restricted investment securities		3,654		3,654
Intangibles		8,209		8,209
Other assets		988		988
Total assets acquired		575,729		575,729
Fair value of liabilities assumed:
Deposits		439,580		439,580
Short-term borrowings		1,144		1,144
FHLB advances		73,610		73,610
Other borrowings		9,544		9,544
Other liabilities		8,408		8,408
Total liabilities assumed		532,286		532,286
Net assets acquired		$ 43,443		43,443
Consideration paid:
Cash paid				8,334
Common stock				80,637
Total consideration paid				88,971
Goodwill				45,528
Springfield Bancshares
Consideration paid:
Cash paid				$ 3,747

NOTE 1 - SUMMARY OF SIGNIFICANT

NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	9 Months Ended
	Sep. 30, 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 September 30, 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 Guaranty: Guaranty Bankshares, Ltd. AOCI: Accumulated other comprehensive income (loss) Guaranty Bank: Guaranty Bank and Trust Company AFS: Available for sale HTM: Held to maturity ASC: Accounting Standards Codification IB&T: Illinois Bank & Trust ASU: Accounting Standards Update m2: m2 Lease Funds, LLC Bates Companies: Bates Financial Advisors, Inc., Bates NIM: Net interest margin Financial Services, Inc., Bates Securities, Inc. and NPA: Nonperforming asset Bates Financial Group, Inc. NPL: Nonperforming loan BOLI: Bank-owned life insurance OREO: Other real estate owned Caps: Interest rate cap derivatives OTTI: Other-than-temporary impairment CDI: Core deposit intangible PCI: Purchased credit impaired Community National: Community National Bancorporation Provision: Provision for loan/lease losses CRBT: Cedar Rapids Bank & Trust Company QCBT: Quad City Bank & Trust Company CRE: Commercial real estate RB&T: Rockford Bank & Trust Company CSB: Community State Bank ROAA: Return on Average Assets C&I: Commercial and industrial SBA: U.S. Small Business Administration EPS: Earnings per share SEC: Securities and Exchange Commission Exchange Act: Securities Exchange Act of 1934, as SFC Bank: Springfield First Community Bank amended Springfield Bancshares: Springfield Bancshares, Inc. FASB: Financial Accounting Standards Board TA: Tangible assets FDIC: Federal Deposit Insurance Corporation TCE: Tangible common equity FHLB: Federal Home Loan Bank TDRs: Troubled debt restructurings FRB: Federal Reserve Bank of Chicago TEY: Tax equivalent yield GAAP: Generally Accepted Accounting Principles The Company: QCR Holdings, Inc. 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 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. On August 13, 2019, the Company entered into a definitive agreement to sell certain assets and liabilities of RB&T, a wholly-owned subsidiary headquartered in Rockford, Illinois, to IB&T, a wholly-owned subsidiary of Heartland Financial USA, Inc. Under the terms of the agreement, IB&T will acquire certain assets and assume certain liabilities for a cash payment. The transaction is subject to approval by federal and state bank regulators and to customary closing conditions. The transaction is expected to close in the fourth quarter of 2019. The assets and liabilities that will be sold are classified as held for sale on the Consolidated Balance Sheet and corresponding footnotes. See Note 2 to the Company’s Consolidated Financial Statements for additional information about the sale. 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 - ASSETS AND LIABILITIES

NOTE 2 - ASSETS AND LIABILITIES HELD FOR SALE	9 Months Ended
	Sep. 30, 2019
ASSETS AND LIABILITIES HELD FOR SALE
ASSETS AND LIABILITIES HELD FOR SALE	NOTE 2 – ASSETS AND LIABILITIES HELD FOR SALE On August 13, 2019, the Company and RB&T entered into a Purchase and Assumption Agreement (the Agreement) to sell certain assets and liabilities of RB&T, a wholly-owned subsidiary headquartered in Rockford, Illinois, to IB&T, a wholly-owned subsidiary of Heartland Financial USA, Inc. Under the terms of the Agreement, IB&T will acquire certain assets and assume certain liabilities of RB&T for a cash payment. The actual cash payment amount will be determined substantially by the following formula: (i) the “Purchase Price Premium”, plus (ii) the aggregate net book value of the acquired assets, minus (iii) the aggregate book value of the assumed liabilities. The Purchase Price Premium is equal to: (a) 8% of RB&T’s tangible assets, multiplied by (b) 0.345. Based on RB&T’s balance sheet as of September 30, 2019, the Purchase Price Premium would be $14.2 million and the total payment by IB&T to the Company would be $59.7 million. The transaction is subject to approval by federal and state bank regulators and to customary closing conditions. The transaction is expected to close in the fourth quarter of 2019. Assets and liabilities of RB&T classified as held for sale are summarized as follows as of September 30, 2019: As of September 30, 2019 (dollars in thousands) ASSETS Cash and cash equivalents $ 13,446 Securities 66,009 Loans, net 362,011 Other assets 24,081 Assets held for sale $ 465,547 LIABILIITES Deposits $ 451,546 Borrowings 16,157 Other liabilities 2,827 Liabilities held for sale $ 470,530

NOTE 3 - INVESTMENT SECURITIES

NOTE 3 - INVESTMENT SECURITIES	9 Months Ended
	Sep. 30, 2019
Notes to Financial Statements
INVESTMENT SECURITIES	NOTE 3 – INVESTMENT SECURITIES The amortized cost and fair value of investment securities as of September 30, 2019 and December 31, 2018 are summarized as follows: Gross Gross Amortized Unrealized Unrealized Fair Cost Gains (Losses) Value (dollars in thousands) September 30, 2019: Securities HTM: Municipal securities $ 342,427 $ 20,122 $ (119) $ 362,430 Other securities 1,050 — (6) 1,044 $ 343,477 $ 20,122 $ (125) $ 363,474 Securities AFS: U.S. govt. sponsored agency securities $ 20,861 $ 470 $ (63) $ 21,268 Residential mortgage-backed and related securities 121,118 2,962 (200) 123,880 Municipal securities 47,259 1,653 (10) 48,902 Other securities 17,711 172 (1) 17,882 $ 206,949 $ 5,257 $ (274) $ 211,932 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 September 30, 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) September 30, 2019: Securities HTM: Municipal securities $ 1,037 $ (1) $ 7,839 $ (118) $ 8,876 $ (119) Other securities 1,044 (6) — — 1,044 (6) $ 2,081 $ (7) $ 7,839 $ (118) $ 9,920 $ (125) Securities AFS: U.S. govt. sponsored agency securities $ 1,618 $ (1) $ 2,318 $ (62) $ 3,936 $ (63) Residential mortgage-backed and related securities 1,194 (1) 20,376 (199) 21,570 (200) Municipal securities 1,686 (3) 723 (7) 2,409 (10) Other securities 248 (1) — — 248 (1) $ 4,746 $ (6) $ 23,417 $ (268) $ 28,163 $ (274) 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 September 30, 2019, the investment portfolio included 510 securities. Of this number, 31 securities were in an unrealized loss position. The aggregate losses of these securities totaled approximately 0.1% of the total amortized cost of the portfolio. Of these 31 securities, 21 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 or nine months ended September 30, 2019 and 2018. All sales of securities for the three and nine months ended September 30, 2019 and September 30, 2018 were securities identified as AFS. Information on proceeds received, as well as pre-tax gross gains and losses from sales on those securities are as follows: Three Months Ended Nine Months Ended September 30, 2019 September 30, 2018 September 30, 2019 September 30, 2018 (dollars in thousands) Proceeds from sales of securities $ 23,364 $ 1,938 $ 28,025 $ 1,938 Gross gains from sales of securities 143 — 150 — Gross losses from sales of securities (146) — (206) — The amortized cost and fair value of securities as of September 30, 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 $ 2,946 $ 2,954 Due after one year through five years 31,055 31,689 Due after five years 309,476 328,831 $ 343,477 $ 363,474 Securities AFS: Due in one year or less $ 1,084 $ 1,088 Due after one year through five years 17,157 17,384 Due after five years 67,590 69,580 85,831 88,052 Residential mortgage-backed and related securities 121,118 123,880 $ 206,949 $ 211,932 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 $ 176,339 $ 181,785 Securities AFS: Municipal securities 40,262 41,646 Other securities 6,504 6,677 $ 46,766 $ 48,323 As of September 30, 2019, the Company's municipal securities portfolios were comprised of general obligation bonds issued by 91 issuers with fair values totaling $76.1 million and revenue bonds issued by 148 issuers, primarily consisting of states, counties, towns, villages and school districts with fair values totaling $335.2 million. The Company held investments in general obligation bonds in 23 states, including six states in which the aggregate fair value exceeded $5.0 million. The Company held investments in revenue bonds in 17 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 September 30, 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 four held for investment charters, whose investment policies set forth limits for various subcategories within the municipal securities portfolio. Each charter is monitored individually, and as of September 30, 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 September 30, 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 4 - LOANS_LEASES RECEIVABL

NOTE 4 - LOANS/LEASES RECEIVABLE	9 Months Ended
	Sep. 30, 2019
Notes to Financial Statements
LOANS/LEASES RECEIVABLE	NOTE 4 – LOANS/LEASES RECEIVABLE The composition of the loan/lease portfolio as of September 30, 2019 and December 31, 2018 is presented as follows: As of September 30, As of December 31, 2019 2018 (dollars in thousands) C&I loans * $ 1,469,978 $ 1,429,410 CRE loans Owner-occupied CRE 441,122 500,654 Commercial construction, land development, and other land 369,123 236,787 Other non owner-occupied CRE 877,677 1,028,670 1,687,922 1,766,111 Direct financing leases ** 92,307 117,969 Residential real estate loans *** 245,667 290,759 Installment and other consumer loans 106,540 119,381 3,602,414 3,723,630 Plus deferred loan/lease origination costs, net of fees 7,856 9,124 3,610,270 3,732,754 Less allowance (36,116) (39,847) $ 3,574,154 $ 3,692,907 ** Direct financing leases: Net minimum lease payments to be received $ 101,869 $ 130,371 Estimated unguaranteed residual values of leased assets 547 828 Unearned lease/residual income (10,109) (13,230) 92,307 117,969 Plus deferred lease origination costs, net of fees 2,153 3,642 94,460 121,611 Less allowance (1,302) (1,792) $ 93,158 $ 119,819 * Includes equipment financing agreements outstanding at m2, totaling $131.0 million and $103.4 million as of September 30, 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 and nine months ended September 30, 2019 and 2018. *** Includes residential real estate loans held for sale totaling $8.9 million and $1.3 million as of September 30, 2019 and December 31, 2018, respectively. Changes in accretable yield for acquired loans were as follows: Three months ended September 30, 2019 Nine months ended September 30, 2019 PCI Performing PCI Performing Loans Loans Total Loans Loans Total (dollars in thousands) Balance at the beginning of the period $ (151) $ (8,489) $ (8,640) $ (667) $ (10,127) $ (10,794) Reclassification of nonaccretable discount to accretable — — — (159) — (159) Accretion recognized 94 1,344 1,438 769 2,982 3,751 Balance at the end of the period $ (57) $ (7,145) $ (7,202) $ (57) $ (7,145) $ (7,202) Three months ended September 30, 2018 Nine months ended September 30, 2018 PCI Performing PCI Performing Loans Loans Total Loans Loans Total (dollars in thousands) Balance at the beginning of the period $ (142) $ (5,051) $ (5,193) $ (191) $ (6,280) $ (6,471) Discount added at acquisition (293) (7,800) (8,093) (293) (7,800) (8,093) Reclassification of nonaccretable discount to accretable (892) — (892) (892) — (892) Accretion recognized 269 1,579 1,848 318 2,808 3,126 Balance at the end of the period $ (1,058) $ (11,272) $ (12,330) $ (1,058) $ (11,272) $ (12,330) The aging of the loan/lease portfolio by classes of loans/leases as of September 30, 2019 and December 31, 2018 is presented as follows: As of September 30, 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 $ 1,466,347 $ 2,067 $ 246 $ — $ 1,318 $ 1,469,978 CRE Owner-Occupied CRE 440,668 276 — — 178 441,122 Commercial Construction, Land Development, and Other Land 368,422 701 — — — 369,123 Other Non Owner-Occupied CRE 872,591 1,491 — — 3,595 877,677 Direct Financing Leases 89,776 816 318 — 1,397 92,307 Residential Real Estate 243,785 58 704 — 1,120 245,667 Installment and Other Consumer 105,580 337 — — 623 106,540 $ 3,587,169 $ 5,746 $ 1,268 $ — $ 8,231 $ 3,602,414 As a percentage of total loan/lease portfolio 99.58 % 0.16 % 0.04 % — % 0.22 % 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 September 30, 2019 and December 31, 2018 are presented as follows: As of September 30, 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 $ — $ 1,318 $ 565 $ 1,883 20.94 % CRE Owner-Occupied CRE — 178 — 178 1.98 % Commercial Construction, Land Development, and Other Land — — — — - % Other Non Owner-Occupied CRE — 3,595 — 3,595 39.97 % Direct Financing Leases — 1,397 198 1,595 17.73 % Residential Real Estate — 1,120 — 1,120 12.45 % Installment and Other Consumer — 623 — 623 6.93 % $ — $ 8,231 $ 763 $ 8,994 100.00 % * Nonaccrual loans/leases included $932 thousand of TDRs, including $26 thousand in C&I loans, $513 thousand in CRE loans, $304 thousand in direct financing leases, $32 thousand in residential real estate loans, and $57 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 and nine months ended September 30, 2019 and 2018, respectively, are presented as follows: Three Months Ended September 30, 2019 Direct Financing Residential Real Installment and C&I CRE Leases Estate Other Consumer Total (dollars in thousands) Balance, beginning $ 18,248 $ 17,363 $ 1,459 $ 2,582 $ 1,452 $ 41,104 Reclassification of allowance related to held for sale assets (2,814) (2,392) — (628) (288) (6,122) Provisions (credits) charged to expense * 998 220 80 241 45 1,584 Loans/leases charged off (349) — (351) (37) (4) (741) Recoveries on loans/leases previously charged off 68 100 114 — 9 291 Balance, ending $ 16,151 $ 15,291 $ 1,302 $ 2,158 $ 1,214 $ 36,116 Three Months Ended September 30, 2018 Direct Financing Residential Real Installment and C&I CRE Leases Estate Other Consumer Total (dollars in thousands) Balance, beginning $ 15,234 $ 15,819 $ 2,724 $ 2,433 $ 1,335 $ 37,545 Provisions (credits) charged to expense 3,699 2,254 125 132 (4) 6,206 Loans/leases charged off (87) (387) (428) (58) (31) (991) Recoveries on loans/leases previously charged off 71 30 211 — 5 317 Balance, ending $ 18,917 $ 17,716 $ 2,632 $ 2,507 $ 1,305 $ 43,077 Nine Months Ended September 30, 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 Reclassification of allowance related to held for sale assets (2,814) (2,392) — (628) (288) (6,122) Provisions charged to expense * 3,120 1,168 856 309 206 5,659 Loans/leases charged off (876) (1,369) (1,501) (109) (99) (3,953) Recoveries on loans/leases previously charged off 300 164 155 31 36 685 Balance, ending $ 16,151 $ 15,291 $ 1,302 $ 2,158 $ 1,214 $ 36,116 Nine Months Ended September 30, 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 $ 1,221 $ 34,355 Provisions charged to expense 5,284 4,091 1,418 150 104 11,046 Loans/leases charged off (911) (388) (1,506) (110) (36) (2,951) Recoveries on loans/leases previously charged off 221 50 338 1 16 626 Balance, ending $ 18,917 $ 17,716 $ 2,632 $ 2,507 $ 1,305 $ 43,077 *Excludes provision related to loans included in assets held for sale of $428 thousand for the three and nine months ended September 30, 2019. The allowance by impairment evaluation and by portfolio segment as of September 30, 2019 and December 31, 2018 is presented as follows: As of September 30, 2019 Direct Financing Residential Real Installment and C&I CRE Leases Estate Other Consumer Total (dollars in thousands) Allowance for impaired loans/leases $ 160 $ 374 $ 59 $ 27 $ 84 $ 704 Allowance for nonimpaired loans/leases 15,991 14,917 1,243 2,131 1,130 35,412 $ 16,151 $ 15,291 $ 1,302 $ 2,158 $ 1,214 $ 36,116 Impaired loans/leases $ 1,764 $ 4,148 $ 1,581 $ 1,062 $ 623 $ 9,178 Nonimpaired loans/leases 1,468,214 1,683,774 90,726 244,605 105,917 3,593,236 $ 1,469,978 $ 1,687,922 $ 92,307 $ 245,667 $ 106,540 $ 3,602,414 Allowance as a percentage of impaired loans/leases 9.07 % 9.02 % 3.73 % 2.54 % 13.48 % 7.67 % Allowance as a percentage of nonimpaired loans/leases 1.09 % 0.89 % 1.37 % 0.87 % 1.07 % 0.99 % Total allowance as a percentage of total loans/leases 1.10 % 0.91 % 1.41 % 0.88 % 1.14 % 1.00 % 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 nine months ended September 30, 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 $ 1,545 $ 1,585 $ — $ 1,026 $ 18 $ 18 CRE Owner-Occupied CRE 40 56 — 21 — — Commercial Construction, Land Development, and Other Land — — — — — — Other Non Owner-Occupied CRE 733 733 — 751 22 22 Direct Financing Leases 1,440 1,440 — 1,246 19 19 Residential Real Estate 648 764 — 522 — — Installment and Other Consumer 539 539 — 510 — — $ 4,945 $ 5,117 $ — $ 4,076 $ 59 $ 59 Impaired Loans/Leases with Specific Allowance Recorded: C&I $ 219 $ 219 $ 160 $ 102 $ — $ — CRE Owner-Occupied CRE 121 121 18 127 — — Commercial Construction, Land Development, and Other Land — — — — — — Other Non Owner-Occupied CRE 3,254 3,254 356 1,995 — — Direct Financing Leases 141 141 59 108 2 2 Residential Real Estate 414 414 27 381 — — Installment and Other Consumer 84 84 84 57 — — $ 4,233 $ 4,233 $ 704 $ 2,770 $ 2 $ 2 Total Impaired Loans/Leases: C&I $ 1,764 $ 1,804 $ 160 $ 1,128 $ 18 $ 18 CRE Owner-Occupied CRE 161 177 18 148 — — Commercial Construction, Land Development, and Other Land — — — — — — Other Non Owner-Occupied CRE 3,987 3,987 356 2,746 22 22 Direct Financing Leases 1,581 1,581 59 1,354 21 21 Residential Real Estate 1,062 1,178 27 903 — — Installment and Other Consumer 623 623 84 567 — — $ 9,178 $ 9,350 $ 704 $ 6,846 $ 61 $ 61 Loans/leases, by classes of financing receivable, considered to be impaired as of and for the three months ended September 30, 2019 and 2018, respectively are presented as follows: Three Months Ended September 30, 2019 Three Months Ended September 30, 2018 Interest Income Interest Income Average Recognized for Average Recognized for Recorded Interest Income Cash Payments Recorded Interest Income Cash Payments Classes of Loans/Leases Investment Recognized Received Investment Recognized Received (dollars in thousands) Impaired Loans/Leases with No Specific Allowance Recorded: C&I $ 1,433 $ 6 $ 6 $ 2,795 $ 17 $ 17 CRE Owner-Occupied CRE 42 — — 289 — — Commercial Construction, Land Development, and Other Land — — — — — — Other Non Owner-Occupied CRE 739 7 7 1,009 9 9 Direct Financing Leases 1,359 6 6 1,780 3 3 Residential Real Estate 540 — — 666 — — Installment and Other Consumer 543 — — 115 — — $ 4,656 $ 19 $ 19 $ 6,654 $ 29 $ 29 Impaired Loans/Leases with Specific Allowance Recorded: C&I $ 141 $ — $ — $ 3,401 $ 2 $ 2 CRE Owner-Occupied CRE 123 — — 141 — — Commercial Construction, Land Development, and Other Land — — — 5,484 — — Other Non Owner-Occupied CRE 3,254 — — 3,848 8 8 Direct Financing Leases 120 — — 558 — — Residential Real Estate 390 — — 461 3 3 Installment and Other Consumer 84 — — 113 — — $ 4,112 $ — $ — $ 14,006 $ 13 $ 13 Total Impaired Loans/Leases: C&I $ 1,574 $ 6 $ 6 $ 6,196 $ 19 $ 19 CRE Owner-Occupied CRE 165 — — 430 — — Commercial Construction, Land Development, and Other Land — — — 5,484 — — Other Non Owner-Occupied CRE 3,993 7 7 4,857 17 17 Direct Financing Leases 1,479 6 6 2,338 3 3 Residential Real Estate 930 — — 1,127 3 3 Installment and Other Consumer 627 — — 228 — — $ 8,768 $ 19 $ 19 $ 20,660 $ 42 $ 42 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 September 30, 2019 and December 31, 2018: As of September 30, 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) $ 1,306,314 $ 435,761 $ 368,659 $ 861,561 $ 2,972,295 98.19 % Special Mention (Rating 6) 14,043 2,888 40 6,224 23,195 0.77 % Substandard (Rating 7) 18,597 2,473 424 9,892 31,386 1.04 % Doubtful (Rating 8) — — — — — — % $ 1,338,954 $ 441,122 $ 369,123 $ 877,677 $ 3,026,876 100.00 % As of September 30, 2019 Direct Financing Residential Real Installment and As a % of Delinquency Status * C&I Leases Estate Other Consumer Total Total (dollars in thousands) Performing $ 130,291 $ 90,712 $ 244,547 $ 105,917 $ 571,467 99.29 % Nonperforming 733 1,595 1,120 623 4,071 0.71 % $ 131,024 $ 92,307 $ 245,667 $ 106,540 $ 575,538 100.00 % 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 September 30, 2019 and December 31, 2018, TDRs totaled $1.7 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 and nine months ended September 30, 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 September 30, 2019 For the three months ended September 30, 2018 Pre- Post- Pre- Post- Modification Modification Modification Modification Number of Recorded Recorded Specific Number of Recorded Recorded Specific Classes of Loans/Leases Loans / Leases Investment Investment Allowance Loans / Leases Investment Investment Allowance (dollars in thousands) CONCESSION - Significant Payment Delay C&I — $ — $ — $ — 1 $ 274 $ 274 $ 274 Other Non Owner-Occupied CRE — — — — 2 981 981 60 Direct Financing Leases 3 116 116 — 2 44 44 — 3 $ 116 $ 116 $ — 5 $ 1,299 $ 1,299 $ 334 CONCESSION - Extension of Maturity Installment and Other Consumer 1 56 56 56 — — — — 1 $ 56 $ 56 $ 56 — $ — $ — $ — TOTAL 4 $ 172 $ 172 $ 56 5 $ 1,299 $ 1,299 $ 334 For the nine months ended September 30, 2019 For the nine months ended September 30, 2018 Pre- Post- Pre- Post- Modification Modification Modification Modification Number of Recorded Recorded Specific Number of Recorded Recorded Specific Classes of Loans/Leases Loans/Leases Investment Investment Allowance Loans/Leases Investment Investment Allowance (dollars in thousands) CONCESSION - Significant Payment Delay C&I 1 $ 19 $ 19 $ — 1 $ 274 $ 274 $ 274 Other Non Owner-Occupied CRE — — — — 2 981 981 60 Residential Real Estate — — — — 1 46 46 — Direct Financing Leases 6 219 219 20 4 92 92 — 7 $ 238 $ 238 $ 20 8 $ 1,393 $ 1,393 $ 334 CONCESSION - Forgiveness of Principal C&I 1 $ 587 $ 537 $ — — $ — $ — $ — 1 $ 587 $ 537 $ — — $ — $ — $ — CONCESSION - Extension of Maturity Other Non Owner-Occupied CRE — $ — $ — $ — 2 $ 2,976 $ 2,976 $ 816 Installment and Other Consumer 1 56 56 56 Direct Financing Leases — — — — 1 35 35 — 1 $ 56 $ 56 $ 56 3 $ 3,011 $ 3,011 $ 816 TOTAL 9 $ 881 $ 831 $ 76 11 $ 4,404 $ 4,404 $ 1,150 Of the loans restructured during the nine months ended September 30, 2019, three with post-modification recorded balances of $121 thousand were on nonaccrual. Of the loans restructured during the nine months ended September 30, 2018, four with a post-modification recorded balance of $1.3 million was on nonaccrual. For the nine months ended September 30, 2019, two 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. These TDRs were related to one customer whose leases were restructured in the first quarter of 2019 with pre-modification balances totaling $66 thousand. For the three and nine months ended September 30, 2018, two 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. These TDRs were related to customers whose loans were restructured in the third quarter of 2018 with pre-modification balances totaling $774 thousand. Not included in the table above, the Company had three TDRs that were restructured and charged off for the nine months ended September 30, 2019, totaling $108 thousand. The Company had nine TDRs that were restructured and charged off for the nine months ended September 30, 2018, totaling $577 thousand.

NOTE 5 - DERIVATIVES

NOTE 5 - DERIVATIVES	9 Months Ended
	Sep. 30, 2019
Notes to Financial Statements
Derivatives and Hedging Activities	NOTE 5 – DERIVATIVES The Company uses interest rate swap instruments to manage interest rate risk related to the variability of interest payments due to changes in interest rates. 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 three-month LIBOR, and the interest rate swaps utilize three-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 September 30, 2019 December 31, 2018 (dollars in thousands) QCR Holdings Statutory Trust II 9/30/2018 9/30/2028 Other Liabilities $ 4.95 % % $ (1,265) $ (298) QCR Holdings Statutory Trust III 9/30/2018 9/30/2028 Other Liabilities 4.95 % % (1,012) (239) QCR Holdings Statutory Trust V 7/7/2018 7/7/2028 Other Liabilities 3.85 % % (1,229) (288) Community National Statutory Trust II 9/20/2018 9/20/2028 Other Liabilities 4.33 % % (378) (89) Community National Statutory Trust III 9/15//2018 9/15/2028 Other Liabilities 3.87 % % (441) (104) Guaranty Bankshares Statutory Trust I 9/15/2018 9/15/2028 Other Liabilities 3.87 % % (566) (133) $ 4.40 % % $ (4,891) $ (1,151) Changes in fair values of derivatives designated as cash flow hedges 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 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. September 30, 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 $ 694,928 $ 102,956 $ $ Non-Hedging Interest Rate Derivatives Liabilities: Interest rate swap contracts $ 694,928 $ 102,956 $ $ Swap fee income totaled $20.9 million and $3.7 million for the nine months ended September 30, 2019 and 2018, respectively. Swap fee income totaled $10.6 million for the year ended December 31, 2018.

NOTE 6 - BORROWINGS

NOTE 6 - BORROWINGS	9 Months Ended
	Sep. 30, 2019
BORROWINGS
BORROWINGS	NOTE 6 –BORROWINGS 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 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 $1.5 million at September 30, 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 or other strategic opportunities that may arise in the future. In the second quarter of 2019, the Company renewed its revolving line of credit. At renewal, the line amount was increased from $10.0 million to $20.0 million. The interest on the revolving line of credit is calculated at the effective LIBOR rate plus 2.25% per annum (4.34% at September 30, 2019). Prior to the renewal, the interest on the revolving line of credit was calculated at the effective LIBOR rate plus 2.50% per annum. The collateral on the revolving line of credit is 100% of the outstanding capital stock of the Company’s bank subsidiaries. The outstanding balance on the revolving line of credit was $0 and $9.0 million at September 30, 2019 and December 31, 2018, respectively. The Company prepaid $30.2 million of FHLB term advances in the third quarter of 2019 using excess funds generated by strong deposit growth. The term advances had original maturities from February 2020 to October 2021 with rates ranging from 1.50% to 2.97%. The Company prepaid two wholesale structured repurchase agreements in the second quarter of 2019 using excess funds generated by strong deposit growth. The first wholesale structured repurchase agreement totaled $5.0 million and had original maturity date of March 13, 2020 with a rate of 2.58%. The second wholesale structured repurchase agreement totaled $20.0 million and had an original maturity of June 13, 2020 with a rate of 2.46%. In addition, wholesale structured repurchase agreements totaling $10.0 million matured in the second quarter of 2019. The wholesale structured repurchase agreements were utilized as an alternative funding source to FHLB advances and customer deposits. Wholesale structured repurchase agreements were collateralized by certain U.S. government agency securities and residential mortgage backed and related securities.

NOTE 7 - EARNINGS PER SHARE

NOTE 7 - EARNINGS PER SHARE	9 Months Ended
	Sep. 30, 2019
Notes to Financial Statements
Earnings Per Share [Text Block]	NOTE 7 - EARNINGS PER SHARE The following information was used in the computation of EPS on a basic and diluted basis: Three months ended Nine months ended September 30, September 30, 2019 2018 2019 2018 (dollars in thousands, except share data) Net income $ 15,095 $ 8,809 $ 41,517 $ 29,804 Basic EPS $ 0.96 $ 0.56 $ 2.64 $ 2.06 Diluted EPS $ 0.94 $ 0.55 $ 2.60 $ 2.02 Weighted average common shares outstanding 15,739,430 15,625,123 15,715,788 14,477,783 Weighted average common shares issuable upon exercise of stock options and under the employee stock purchase plan 237,312 297,201 230,232 308,994 Weighted average common and common equivalent shares outstanding 15,976,742 15,922,324 15,946,020 14,786,777

NOTE 8 - FAIR VALUE

NOTE 8 - FAIR VALUE	9 Months Ended
	Sep. 30, 2019
Fair Value.
FAIR VALUE	NOTE 8 – 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 September 30, 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) September 30, 2019: Securities AFS: U.S. govt. sponsored agency securities $ 21,268 $ — $ 21,268 $ — Residential mortgage-backed and related securities 123,880 — 123,880 — Municipal securities 48,902 — 48,902 — Other securities 17,882 — 17,882 — Interest rate swaps - assets 102,956 — 102,956 — Total assets measured at fair value $ 314,888 $ — $ 314,888 $ — Interest rate swaps - liabilities $ 107,847 $ — $ 107,847 $ — Total liabilities measured at fair value $ 107,847 $ — $ 107,847 $ — 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 swaps - assets 22,196 — 22,196 — Total assets measured at fair value $ 283,252 $ — $ 283,252 $ — 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 and nine months ended September 30, 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 swaps are executed for select commercial customers. The interest rate swaps are further described in Note 5 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 5 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 September 30, 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) September 30, 2019: Impaired loans/leases $ 3,839 $ — $ — $ 3,839 OREO 4,588 — — 4,588 $ 8,427 $ — $ — $ 8,427 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 September 30, December 31, 2019 2018 Valuation Technique Unobservable Input Range (dollars in thousands) Impaired loans/leases $ 3,839 $ 9,657 Appraisal of collateral Appraisal adjustments % to % OREO 4,588 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 and nine months ended September 30, 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 September 30, 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 $ 91,671 $ 91,671 $ 85,523 $ 85,523 Federal funds sold Level 2 9,300 9,300 26,398 26,398 Interest-bearing deposits at financial institutions Level 2 187,963 187,963 133,198 133,198 Investment securities: HTM Level 2 343,477 363,474 401,913 400,770 AFS * 211,932 211,932 261,056 261,056 Loans/leases receivable, net Level 3 3,555 3,839 8,942 9,657 Loans/leases receivable, net Level 2 3,570,599 3,495,905 3,683,965 3,639,329 Interest rate caps Level 2 — — 459 459 Interest rate swaps - assets Level 2 102,956 102,956 22,196 22,196 Assets held for sale: Cash and cash equivalents Level 2 13,446 13,446 — — Securities Level 2 66,009 68,389 — — Loans, net Level 2 362,011 354,438 — — Deposits: Nonmaturity deposits Level 2 3,050,033 3,050,033 3,002,327 3,002,327 Time deposits Level 2 752,208 748,305 974,704 968,906 Short-term borrowings Level 2 18,526 18,526 28,774 28,774 FHLB advances Level 2 195,800 195,697 266,492 265,926 Other borrowings Level 2 — — 67,250 67,770 Subordinated notes Level 2 68,334 68,521 4,782 4,933 Junior subordinated debentures Level 2 37,797 30,494 37,670 29,992 Interest rate swaps - liabilities Level 2 107,847 107,847 23,347 23,347 Liabilities hed for sale: Deposits Level 2 451,546 447,869 — — Borrowings Level 2 16,157 16,149 — — *See previous table in Note 8 .

NOTE 9 - BUSINESS SEGMENT INFOR

NOTE 9 - BUSINESS SEGMENT INFORMATION	9 Months Ended
	Sep. 30, 2019
Notes to Financial Statements
BUSINESS SEGMENT INFORMATION	NOTE 9 – 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 four held for investment subsidiary banks wholly owned by the Company: QCBT, CRBT, CSB, and SFC Bank. 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, asset management, investment management and advisory services offered at the Company's four 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 as well as the corporate operations of the parent company. This segment also includes the results of segments classified as held for sale. Selected financial information on the Company's business segments is presented as follows as of and for the three and nine months ended September 30, 2019 and 2018. Commercial Banking Wealth Intercompany Consolidated QCBT CRBT CSB SFC Bank Management All other Eliminations Total (dollars in thousands) Three Months Ended September 30, 2019 Total revenue $ 21,230 $ 25,707 $ 11,596 $ 8,351 $ 4,122 $ 27,753 $ (22,036) $ 76,723 Net interest income 13,357 11,478 8,894 5,056 — 1,934 — 40,719 Provision 948 150 150 276 — 488 — 2,012 Net income (loss) 4,870 7,900 3,482 2,116 926 15,081 (19,280) 15,095 Goodwill 3,223 14,980 9,888 45,975 — 3,682 — 77,748 Intangibles — 2,810 4,154 7,034 — 1,531 — 15,529 Total assets 1,642,950 1,592,896 801,596 693,898 — 1,180,872 (619,830) 5,292,382 Three Months Ended September 30, 2018 Total revenue $ 17,322 $ 16,800 $ 8,889 $ 7,360 $ 3,255 $ 17,721 $ (12,707) $ 58,640 Net interest income 12,218 10,833 7,101 5,701 — 2,456 5 38,314 Provision 409 453 20 475 — 4,849 — 6,206 Net income (loss) from continuing operations 4,827 4,869 2,533 2,198 768 6,081 (12,467) 8,809 Goodwill 3,223 14,979 9,888 45,528 — — — 73,618 Intangibles — 3,313 4,852 7,972 — — — 16,137 Total assets 1,579,327 1,354,293 734,536 623,520 — 1,038,405 (537,349) 4,792,732 Nine Months Ended September 30, 2019 Total revenue $ 60,148 $ 68,526 $ 30,596 $ 23,396 $ 12,599 $ 71,361 $ (54,563) $ 212,063 Net interest income 38,129 32,671 23,154 15,707 — 5,979 — 115,640 Provision for loan/lease losses 2,941 875 451 1,261 — 559 — 6,087 Net income (loss) 13,560 19,928 7,845 5,848 2,667 42,566 (50,897) 41,517 Goodwill 3,223 14,980 9,888 45,975 — 3,682 — 77,748 Intangibles — 2,810 4,154 7,034 — 1,531 — 15,529 Total assets 1,642,950 1,592,896 801,596 693,898 — 1,180,872 (619,830) 5,292,382 Nine Months Ended September 30, 2018 Total revenue $ 49,812 $ 49,301 $ 25,459 $ 7,360 $ 9,560 $ 53,395 $ (38,450) $ 156,437 Net interest income 36,629 32,149 20,579 5,701 — 7,738 5 102,801 Provision for loan/lease losses 2,784 1,682 817 475 — 5,288 — 11,046 Net income (loss) from continuing operations 13,796 14,191 6,560 2,197 2,336 28,556 (37,832) 29,804 Goodwill 3,223 14,979 9,888 45,528 — — — 73,618 Intangibles — 3,313 4,852 7,972 — — — 16,137 Total assets 1,579,327 1,354,293 734,536 623,520 — 1,038,405 (537,349) 4,792,732

NOTE 10 - REGULATORY CAPITAL RE

NOTE 10 - REGULATORY CAPITAL REQUIREMENTS	9 Months Ended
	Sep. 30, 2019
Notes to Financial Statements
REGULATORY CAPITAL REQUIREMENTS	NOTE 10 – 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 September 30, 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 September 30, 2019 and December 31, 2018 are presented in the following table (dollars in thousands). As of September 30, 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 September 30, 2019: Company: Total risk-based capital $ 567,977 12.22 % $ 371,904 > 8.00 % $ 488,124 > 10.50 % $ 464,880 > 10.00 % Tier 1 risk-based capital 461,899 9.94 278,928 > 6.00 395,148 > 8.50 371,904 > 8.00 Tier 1 leverage 461,899 9.02 204,868 > 4.00 204,868 > 4.00 256,085 > 5.00 Common equity Tier 1 424,102 9.12 209,196 > 4.50 325,416 > 7.00 302,172 > 6.50 Quad City Bank & Trust: Total risk-based capital $ 177,834 11.72 % $ 121,345 > 8.00 % $ 159,265 > 10.50 % $ 151,681 > 10.00 % Tier 1 risk-based capital 163,998 10.81 91,009 > 6.00 128,929 > 8.50 121,345 > 8.00 Tier 1 leverage 163,998 9.85 66,604 > 4.00 66,604 > 4.00 83,255 > 5.00 Common equity Tier 1 163,998 10.81 68,257 > 4.50 106,177 > 7.00 98,593 > 6.50 Cedar Rapids Bank & Trust: Total risk-based capital $ 168,158 11.64 % $ 115,524 > 8.00 % $ 151,625 > 10.50 % $ 144,405 > 10.00 % Tier 1 risk-based capital 154,769 10.72 86,643 > 6.00 122,744 > 8.50 115,524 > 8.00 Tier 1 leverage 154,769 9.99 61,993 > 4.00 61,993 > 4.00 77,491 > 5.00 Common equity Tier 1 154,769 10.72 64,982 > 4.50 101,083 > 7.00 93,863 > 6.50 Community State Bank: Total risk-based capital $ 89,088 12.92 % $ 55,147 > 8.00 % $ 72,380 > 10.50 % $ 68,933 > 10.00 % Tier 1 risk-based capital 82,399 11.95 41,360 > 6.00 58,593 > 8.50 55,147 > 8.00 Tier 1 leverage 82,399 10.35 31,846 > 4.00 31,846 > 4.00 39,808 > 5.00 Common equity Tier 1 82,399 11.95 31,020 > 4.50 48,253 > 7.00 44,807 > 6.50 Springfield First Community Bank: Total risk-based capital $ 68,371 13.16 % $ 41,561 > 8.00 % $ 54,549 > 10.50 % $ 51,951 > 10.00 % Tier 1 risk-based capital 61,328 11.80 31,171 > 6.00 44,159 > 8.50 41,561 > 8.00 Tier 1 leverage 61,328 9.67 25,375 > 4.00 25,375 > 4.00 31,719 > 5.00 Common equity Tier 1 61,328 11.80 23,378 > 4.50 36,366 > 7.00 33,768 > 6.50 * September 30, 2019 minimums reflect the fully phased-in ratios (including the capital conservation buffer). 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

NOTE 1 - SUMMARY OF SIGNIFICA_2

NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	9 Months Ended
	Sep. 30, 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 September 30, 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 Guaranty: Guaranty Bankshares, Ltd. AOCI: Accumulated other comprehensive income (loss) Guaranty Bank: Guaranty Bank and Trust Company AFS: Available for sale HTM: Held to maturity ASC: Accounting Standards Codification IB&T: Illinois Bank & Trust ASU: Accounting Standards Update m2: m2 Lease Funds, LLC Bates Companies: Bates Financial Advisors, Inc., Bates NIM: Net interest margin Financial Services, Inc., Bates Securities, Inc. and NPA: Nonperforming asset Bates Financial Group, Inc. NPL: Nonperforming loan BOLI: Bank-owned life insurance OREO: Other real estate owned Caps: Interest rate cap derivatives OTTI: Other-than-temporary impairment CDI: Core deposit intangible PCI: Purchased credit impaired Community National: Community National Bancorporation Provision: Provision for loan/lease losses CRBT: Cedar Rapids Bank & Trust Company QCBT: Quad City Bank & Trust Company CRE: Commercial real estate RB&T: Rockford Bank & Trust Company CSB: Community State Bank ROAA: Return on Average Assets C&I: Commercial and industrial SBA: U.S. Small Business Administration EPS: Earnings per share SEC: Securities and Exchange Commission Exchange Act: Securities Exchange Act of 1934, as SFC Bank: Springfield First Community Bank amended Springfield Bancshares: Springfield Bancshares, Inc. FASB: Financial Accounting Standards Board TA: Tangible assets FDIC: Federal Deposit Insurance Corporation TCE: Tangible common equity FHLB: Federal Home Loan Bank TDRs: Troubled debt restructurings FRB: Federal Reserve Bank of Chicago TEY: Tax equivalent yield GAAP: Generally Accepted Accounting Principles The Company: QCR Holdings, Inc. 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 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. On August 13, 2019, the Company entered into a definitive agreement to sell certain assets and liabilities of RB&T, a wholly-owned subsidiary headquartered in Rockford, Illinois, to IB&T, a wholly-owned subsidiary of Heartland Financial USA, Inc. Under the terms of the agreement, IB&T will acquire certain assets and assume certain liabilities for a cash payment. The transaction is subject to approval by federal and state bank regulators and to customary closing conditions. The transaction is expected to close in the fourth quarter of 2019. The assets and liabilities that will be sold are classified as held for sale on the Consolidated Balance Sheet and corresponding footnotes. See Note 2 to the Company’s Consolidated Financial Statements for additional information about the sale.
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 - ASSETS AND LIABILITI_2

NOTE 2 - ASSETS AND LIABILITIES HELD FOR SALE (Tables)	9 Months Ended
	Sep. 30, 2019
ASSETS AND LIABILITIES HELD FOR SALE
Schedule of assets and liabilities classified as held for sale	As of September 30, 2019 (dollars in thousands) ASSETS Cash and cash equivalents $ 13,446 Securities 66,009 Loans, net 362,011 Other assets 24,081 Assets held for sale $ 465,547 LIABILIITES Deposits $ 451,546 Borrowings 16,157 Other liabilities 2,827 Liabilities held for sale $ 470,530

NOTE 3 - INVESTMENT SECURITIES

NOTE 3 - INVESTMENT SECURITIES (Tables)	9 Months Ended
	Sep. 30, 2019
Notes Tables
Amortized cost and fair value of investment securities	Gross Gross Amortized Unrealized Unrealized Fair Cost Gains (Losses) Value (dollars in thousands) September 30, 2019: Securities HTM: Municipal securities $ 342,427 $ 20,122 $ (119) $ 362,430 Other securities 1,050 — (6) 1,044 $ 343,477 $ 20,122 $ (125) $ 363,474 Securities AFS: U.S. govt. sponsored agency securities $ 20,861 $ 470 $ (63) $ 21,268 Residential mortgage-backed and related securities 121,118 2,962 (200) 123,880 Municipal securities 47,259 1,653 (10) 48,902 Other securities 17,711 172 (1) 17,882 $ 206,949 $ 5,257 $ (274) $ 211,932 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) September 30, 2019: Securities HTM: Municipal securities $ 1,037 $ (1) $ 7,839 $ (118) $ 8,876 $ (119) Other securities 1,044 (6) — — 1,044 (6) $ 2,081 $ (7) $ 7,839 $ (118) $ 9,920 $ (125) Securities AFS: U.S. govt. sponsored agency securities $ 1,618 $ (1) $ 2,318 $ (62) $ 3,936 $ (63) Residential mortgage-backed and related securities 1,194 (1) 20,376 (199) 21,570 (200) Municipal securities 1,686 (3) 723 (7) 2,409 (10) Other securities 248 (1) — — 248 (1) $ 4,746 $ (6) $ 23,417 $ (268) $ 28,163 $ (274) 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)
Realized gain (loss) on investments	Three Months Ended Nine Months Ended September 30, 2019 September 30, 2018 September 30, 2019 September 30, 2018 (dollars in thousands) Proceeds from sales of securities $ 23,364 $ 1,938 $ 28,025 $ 1,938 Gross gains from sales of securities 143 — 150 — Gross losses from sales of securities (146) — (206) —
Investments classified by maturity date	Amortized Cost Fair Value (dollars in thousands) Securities HTM: Due in one year or less $ 2,946 $ 2,954 Due after one year through five years 31,055 31,689 Due after five years 309,476 328,831 $ 343,477 $ 363,474 Securities AFS: Due in one year or less $ 1,084 $ 1,088 Due after one year through five years 17,157 17,384 Due after five years 67,590 69,580 85,831 88,052 Residential mortgage-backed and related securities 121,118 123,880 $ 206,949 $ 211,932
Schedule of investment in callable securities	Amortized Cost Fair Value (dollars in thousands) Securities HTM: Municipal securities $ 176,339 $ 181,785 Securities AFS: Municipal securities 40,262 41,646 Other securities 6,504 6,677 $ 46,766 $ 48,323

NOTE 4 - LOANS_LEASES RECEIVA_2

NOTE 4 - LOANS/LEASES RECEIVABLE (Tables)	9 Months Ended
	Sep. 30, 2019
Notes Tables
Composition of the loan/lease portfolio	As of September 30, As of December 31, 2019 2018 (dollars in thousands) C&I loans * $ 1,469,978 $ 1,429,410 CRE loans Owner-occupied CRE 441,122 500,654 Commercial construction, land development, and other land 369,123 236,787 Other non owner-occupied CRE 877,677 1,028,670 1,687,922 1,766,111 Direct financing leases ** 92,307 117,969 Residential real estate loans *** 245,667 290,759 Installment and other consumer loans 106,540 119,381 3,602,414 3,723,630 Plus deferred loan/lease origination costs, net of fees 7,856 9,124 3,610,270 3,732,754 Less allowance (36,116) (39,847) $ 3,574,154 $ 3,692,907 ** Direct financing leases: Net minimum lease payments to be received $ 101,869 $ 130,371 Estimated unguaranteed residual values of leased assets 547 828 Unearned lease/residual income (10,109) (13,230) 92,307 117,969 Plus deferred lease origination costs, net of fees 2,153 3,642 94,460 121,611 Less allowance (1,302) (1,792) $ 93,158 $ 119,819 * Includes equipment financing agreements outstanding at m2, totaling $131.0 million and $103.4 million as of September 30, 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 and nine months ended September 30, 2019 and 2018. *** Includes residential real estate loans held for sale totaling $8.9 million and $1.3 million as of September 30, 2019 and December 31, 2018, respectively.
Changes in accretable yield for acquired loans	Three months ended September 30, 2019 Nine months ended September 30, 2019 PCI Performing PCI Performing Loans Loans Total Loans Loans Total (dollars in thousands) Balance at the beginning of the period $ (151) $ (8,489) $ (8,640) $ (667) $ (10,127) $ (10,794) Reclassification of nonaccretable discount to accretable — — — (159) — (159) Accretion recognized 94 1,344 1,438 769 2,982 3,751 Balance at the end of the period $ (57) $ (7,145) $ (7,202) $ (57) $ (7,145) $ (7,202) Three months ended September 30, 2018 Nine months ended September 30, 2018 PCI Performing PCI Performing Loans Loans Total Loans Loans Total (dollars in thousands) Balance at the beginning of the period $ (142) $ (5,051) $ (5,193) $ (191) $ (6,280) $ (6,471) Discount added at acquisition (293) (7,800) (8,093) (293) (7,800) (8,093) Reclassification of nonaccretable discount to accretable (892) — (892) (892) — (892) Accretion recognized 269 1,579 1,848 318 2,808 3,126 Balance at the end of the period $ (1,058) $ (11,272) $ (12,330) $ (1,058) $ (11,272) $ (12,330)
Aging of the loan/lease portfolio by classes of loans/leases	As of September 30, 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 $ 1,466,347 $ 2,067 $ 246 $ — $ 1,318 $ 1,469,978 CRE Owner-Occupied CRE 440,668 276 — — 178 441,122 Commercial Construction, Land Development, and Other Land 368,422 701 — — — 369,123 Other Non Owner-Occupied CRE 872,591 1,491 — — 3,595 877,677 Direct Financing Leases 89,776 816 318 — 1,397 92,307 Residential Real Estate 243,785 58 704 — 1,120 245,667 Installment and Other Consumer 105,580 337 — — 623 106,540 $ 3,587,169 $ 5,746 $ 1,268 $ — $ 8,231 $ 3,602,414 As a percentage of total loan/lease portfolio 99.58 % 0.16 % 0.04 % — % 0.22 % 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 September 30, 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 $ — $ 1,318 $ 565 $ 1,883 20.94 % CRE Owner-Occupied CRE — 178 — 178 1.98 % Commercial Construction, Land Development, and Other Land — — — — - % Other Non Owner-Occupied CRE — 3,595 — 3,595 39.97 % Direct Financing Leases — 1,397 198 1,595 17.73 % Residential Real Estate — 1,120 — 1,120 12.45 % Installment and Other Consumer — 623 — 623 6.93 % $ — $ 8,231 $ 763 $ 8,994 100.00 % * Nonaccrual loans/leases included $932 thousand of TDRs, including $26 thousand in C&I loans, $513 thousand in CRE loans, $304 thousand in direct financing leases, $32 thousand in residential real estate loans, and $57 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 and nine months ended September 30, 2019 and 2018, respectively, are presented as follows: Three Months Ended September 30, 2019 Direct Financing Residential Real Installment and C&I CRE Leases Estate Other Consumer Total (dollars in thousands) Balance, beginning $ 18,248 $ 17,363 $ 1,459 $ 2,582 $ 1,452 $ 41,104 Reclassification of allowance related to held for sale assets (2,814) (2,392) — (628) (288) (6,122) Provisions (credits) charged to expense * 998 220 80 241 45 1,584 Loans/leases charged off (349) — (351) (37) (4) (741) Recoveries on loans/leases previously charged off 68 100 114 — 9 291 Balance, ending $ 16,151 $ 15,291 $ 1,302 $ 2,158 $ 1,214 $ 36,116 Three Months Ended September 30, 2018 Direct Financing Residential Real Installment and C&I CRE Leases Estate Other Consumer Total (dollars in thousands) Balance, beginning $ 15,234 $ 15,819 $ 2,724 $ 2,433 $ 1,335 $ 37,545 Provisions (credits) charged to expense 3,699 2,254 125 132 (4) 6,206 Loans/leases charged off (87) (387) (428) (58) (31) (991) Recoveries on loans/leases previously charged off 71 30 211 — 5 317 Balance, ending $ 18,917 $ 17,716 $ 2,632 $ 2,507 $ 1,305 $ 43,077 Nine Months Ended September 30, 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 Reclassification of allowance related to held for sale assets (2,814) (2,392) — (628) (288) (6,122) Provisions charged to expense * 3,120 1,168 856 309 206 5,659 Loans/leases charged off (876) (1,369) (1,501) (109) (99) (3,953) Recoveries on loans/leases previously charged off 300 164 155 31 36 685 Balance, ending $ 16,151 $ 15,291 $ 1,302 $ 2,158 $ 1,214 $ 36,116 Nine Months Ended September 30, 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 $ 1,221 $ 34,355 Provisions charged to expense 5,284 4,091 1,418 150 104 11,046 Loans/leases charged off (911) (388) (1,506) (110) (36) (2,951) Recoveries on loans/leases previously charged off 221 50 338 1 16 626 Balance, ending $ 18,917 $ 17,716 $ 2,632 $ 2,507 $ 1,305 $ 43,077 *Excludes provision related to loans included in assets held for sale of $428 thousand for the three and nine months ended September 30, 2019. The allowance by impairment evaluation and by portfolio segment as of September 30, 2019 and December 31, 2018 is presented as follows: As of September 30, 2019 Direct Financing Residential Real Installment and C&I CRE Leases Estate Other Consumer Total (dollars in thousands) Allowance for impaired loans/leases $ 160 $ 374 $ 59 $ 27 $ 84 $ 704 Allowance for nonimpaired loans/leases 15,991 14,917 1,243 2,131 1,130 35,412 $ 16,151 $ 15,291 $ 1,302 $ 2,158 $ 1,214 $ 36,116 Impaired loans/leases $ 1,764 $ 4,148 $ 1,581 $ 1,062 $ 623 $ 9,178 Nonimpaired loans/leases 1,468,214 1,683,774 90,726 244,605 105,917 3,593,236 $ 1,469,978 $ 1,687,922 $ 92,307 $ 245,667 $ 106,540 $ 3,602,414 Allowance as a percentage of impaired loans/leases 9.07 % 9.02 % 3.73 % 2.54 % 13.48 % 7.67 % Allowance as a percentage of nonimpaired loans/leases 1.09 % 0.89 % 1.37 % 0.87 % 1.07 % 0.99 % Total allowance as a percentage of total loans/leases 1.10 % 0.91 % 1.41 % 0.88 % 1.14 % 1.00 % 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 nine months ended September 30, 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 $ 1,545 $ 1,585 $ — $ 1,026 $ 18 $ 18 CRE Owner-Occupied CRE 40 56 — 21 — — Commercial Construction, Land Development, and Other Land — — — — — — Other Non Owner-Occupied CRE 733 733 — 751 22 22 Direct Financing Leases 1,440 1,440 — 1,246 19 19 Residential Real Estate 648 764 — 522 — — Installment and Other Consumer 539 539 — 510 — — $ 4,945 $ 5,117 $ — $ 4,076 $ 59 $ 59 Impaired Loans/Leases with Specific Allowance Recorded: C&I $ 219 $ 219 $ 160 $ 102 $ — $ — CRE Owner-Occupied CRE 121 121 18 127 — — Commercial Construction, Land Development, and Other Land — — — — — — Other Non Owner-Occupied CRE 3,254 3,254 356 1,995 — — Direct Financing Leases 141 141 59 108 2 2 Residential Real Estate 414 414 27 381 — — Installment and Other Consumer 84 84 84 57 — — $ 4,233 $ 4,233 $ 704 $ 2,770 $ 2 $ 2 Total Impaired Loans/Leases: C&I $ 1,764 $ 1,804 $ 160 $ 1,128 $ 18 $ 18 CRE Owner-Occupied CRE 161 177 18 148 — — Commercial Construction, Land Development, and Other Land — — — — — — Other Non Owner-Occupied CRE 3,987 3,987 356 2,746 22 22 Direct Financing Leases 1,581 1,581 59 1,354 21 21 Residential Real Estate 1,062 1,178 27 903 — — Installment and Other Consumer 623 623 84 567 — — $ 9,178 $ 9,350 $ 704 $ 6,846 $ 61 $ 61 Loans/leases, by classes of financing receivable, considered to be impaired as of and for the three months ended September 30, 2019 and 2018, respectively are presented as follows: Three Months Ended September 30, 2019 Three Months Ended September 30, 2018 Interest Income Interest Income Average Recognized for Average Recognized for Recorded Interest Income Cash Payments Recorded Interest Income Cash Payments Classes of Loans/Leases Investment Recognized Received Investment Recognized Received (dollars in thousands) Impaired Loans/Leases with No Specific Allowance Recorded: C&I $ 1,433 $ 6 $ 6 $ 2,795 $ 17 $ 17 CRE Owner-Occupied CRE 42 — — 289 — — Commercial Construction, Land Development, and Other Land — — — — — — Other Non Owner-Occupied CRE 739 7 7 1,009 9 9 Direct Financing Leases 1,359 6 6 1,780 3 3 Residential Real Estate 540 — — 666 — — Installment and Other Consumer 543 — — 115 — — $ 4,656 $ 19 $ 19 $ 6,654 $ 29 $ 29 Impaired Loans/Leases with Specific Allowance Recorded: C&I $ 141 $ — $ — $ 3,401 $ 2 $ 2 CRE Owner-Occupied CRE 123 — — 141 — — Commercial Construction, Land Development, and Other Land — — — 5,484 — — Other Non Owner-Occupied CRE 3,254 — — 3,848 8 8 Direct Financing Leases 120 — — 558 — — Residential Real Estate 390 — — 461 3 3 Installment and Other Consumer 84 — — 113 — — $ 4,112 $ — $ — $ 14,006 $ 13 $ 13 Total Impaired Loans/Leases: C&I $ 1,574 $ 6 $ 6 $ 6,196 $ 19 $ 19 CRE Owner-Occupied CRE 165 — — 430 — — Commercial Construction, Land Development, and Other Land — — — 5,484 — — Other Non Owner-Occupied CRE 3,993 7 7 4,857 17 17 Direct Financing Leases 1,479 6 6 2,338 3 3 Residential Real Estate 930 — — 1,127 3 3 Installment and Other Consumer 627 — — 228 — — $ 8,768 $ 19 $ 19 $ 20,660 $ 42 $ 42 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 September 30, 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) $ 1,306,314 $ 435,761 $ 368,659 $ 861,561 $ 2,972,295 98.19 % Special Mention (Rating 6) 14,043 2,888 40 6,224 23,195 0.77 % Substandard (Rating 7) 18,597 2,473 424 9,892 31,386 1.04 % Doubtful (Rating 8) — — — — — — % $ 1,338,954 $ 441,122 $ 369,123 $ 877,677 $ 3,026,876 100.00 % 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 %
Financing receivable credit quality indicators performance status	As of September 30, 2019 Direct Financing Residential Real Installment and As a % of Delinquency Status * C&I Leases Estate Other Consumer Total Total (dollars in thousands) Performing $ 130,291 $ 90,712 $ 244,547 $ 105,917 $ 571,467 99.29 % Nonperforming 733 1,595 1,120 623 4,071 0.71 % $ 131,024 $ 92,307 $ 245,667 $ 106,540 $ 575,538 100.00 % 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 September 30, 2019 For the three months ended September 30, 2018 Pre- Post- Pre- Post- Modification Modification Modification Modification Number of Recorded Recorded Specific Number of Recorded Recorded Specific Classes of Loans/Leases Loans / Leases Investment Investment Allowance Loans / Leases Investment Investment Allowance (dollars in thousands) CONCESSION - Significant Payment Delay C&I — $ — $ — $ — 1 $ 274 $ 274 $ 274 Other Non Owner-Occupied CRE — — — — 2 981 981 60 Direct Financing Leases 3 116 116 — 2 44 44 — 3 $ 116 $ 116 $ — 5 $ 1,299 $ 1,299 $ 334 CONCESSION - Extension of Maturity Installment and Other Consumer 1 56 56 56 — — — — 1 $ 56 $ 56 $ 56 — $ — $ — $ — TOTAL 4 $ 172 $ 172 $ 56 5 $ 1,299 $ 1,299 $ 334 For the nine months ended September 30, 2019 For the nine months ended September 30, 2018 Pre- Post- Pre- Post- Modification Modification Modification Modification Number of Recorded Recorded Specific Number of Recorded Recorded Specific Classes of Loans/Leases Loans/Leases Investment Investment Allowance Loans/Leases Investment Investment Allowance (dollars in thousands) CONCESSION - Significant Payment Delay C&I 1 $ 19 $ 19 $ — 1 $ 274 $ 274 $ 274 Other Non Owner-Occupied CRE — — — — 2 981 981 60 Residential Real Estate — — — — 1 46 46 — Direct Financing Leases 6 219 219 20 4 92 92 — 7 $ 238 $ 238 $ 20 8 $ 1,393 $ 1,393 $ 334 CONCESSION - Forgiveness of Principal C&I 1 $ 587 $ 537 $ — — $ — $ — $ — 1 $ 587 $ 537 $ — — $ — $ — $ — CONCESSION - Extension of Maturity Other Non Owner-Occupied CRE — $ — $ — $ — 2 $ 2,976 $ 2,976 $ 816 Installment and Other Consumer 1 56 56 56 Direct Financing Leases — — — — 1 35 35 — 1 $ 56 $ 56 $ 56 3 $ 3,011 $ 3,011 $ 816 TOTAL 9 $ 881 $ 831 $ 76 11 $ 4,404 $ 4,404 $ 1,150

NOTE 5 - DERIVATIVES (Tables)

NOTE 5 - DERIVATIVES (Tables)	9 Months Ended
	Sep. 30, 2019
Notes Tables
Derivatives Not Designated as Hedging Instruments [Table Text Block]	September 30, 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 $ 694,928 $ 102,956 $ $ Non-Hedging Interest Rate Derivatives Liabilities: Interest rate swap contracts $ 694,928 $ 102,956 $ $
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 September 30, 2019 December 31, 2018 (dollars in thousands) QCR Holdings Statutory Trust II 9/30/2018 9/30/2028 Other Liabilities $ 4.95 % % $ (1,265) $ (298) QCR Holdings Statutory Trust III 9/30/2018 9/30/2028 Other Liabilities 4.95 % % (1,012) (239) QCR Holdings Statutory Trust V 7/7/2018 7/7/2028 Other Liabilities 3.85 % % (1,229) (288) Community National Statutory Trust II 9/20/2018 9/20/2028 Other Liabilities 4.33 % % (378) (89) Community National Statutory Trust III 9/15//2018 9/15/2028 Other Liabilities 3.87 % % (441) (104) Guaranty Bankshares Statutory Trust I 9/15/2018 9/15/2028 Other Liabilities 3.87 % % (566) (133) $ 4.40 % % $ (4,891) $ (1,151)

NOTE 7 - EARNINGS PER SHARE (Ta

NOTE 7 - EARNINGS PER SHARE (Tables)	9 Months Ended
	Sep. 30, 2019
Earnings Per Share
Schedule of computation of earnings per share on a basic and diluted basis	Three months ended Nine months ended September 30, September 30, 2019 2018 2019 2018 (dollars in thousands, except share data) Net income $ 15,095 $ 8,809 $ 41,517 $ 29,804 Basic EPS $ 0.96 $ 0.56 $ 2.64 $ 2.06 Diluted EPS $ 0.94 $ 0.55 $ 2.60 $ 2.02 Weighted average common shares outstanding 15,739,430 15,625,123 15,715,788 14,477,783 Weighted average common shares issuable upon exercise of stock options and under the employee stock purchase plan 237,312 297,201 230,232 308,994 Weighted average common and common equivalent shares outstanding 15,976,742 15,922,324 15,946,020 14,786,777

NOTE 8 - FAIR VALUE (Tables)

NOTE 8 - FAIR VALUE (Tables)	9 Months Ended
	Sep. 30, 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) September 30, 2019: Securities AFS: U.S. govt. sponsored agency securities $ 21,268 $ — $ 21,268 $ — Residential mortgage-backed and related securities 123,880 — 123,880 — Municipal securities 48,902 — 48,902 — Other securities 17,882 — 17,882 — Interest rate swaps - assets 102,956 — 102,956 — Total assets measured at fair value $ 314,888 $ — $ 314,888 $ — Interest rate swaps - liabilities $ 107,847 $ — $ 107,847 $ — Total liabilities measured at fair value $ 107,847 $ — $ 107,847 $ — 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 swaps - assets 22,196 — 22,196 — Total assets measured at fair value $ 283,252 $ — $ 283,252 $ — 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) September 30, 2019: Impaired loans/leases $ 3,839 $ — $ — $ 3,839 OREO 4,588 — — 4,588 $ 8,427 $ — $ — $ 8,427 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 September 30, December 31, 2019 2018 Valuation Technique Unobservable Input Range (dollars in thousands) Impaired loans/leases $ 3,839 $ 9,657 Appraisal of collateral Appraisal adjustments % to % OREO 4,588 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 September 30, 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 $ 91,671 $ 91,671 $ 85,523 $ 85,523 Federal funds sold Level 2 9,300 9,300 26,398 26,398 Interest-bearing deposits at financial institutions Level 2 187,963 187,963 133,198 133,198 Investment securities: HTM Level 2 343,477 363,474 401,913 400,770 AFS * 211,932 211,932 261,056 261,056 Loans/leases receivable, net Level 3 3,555 3,839 8,942 9,657 Loans/leases receivable, net Level 2 3,570,599 3,495,905 3,683,965 3,639,329 Interest rate caps Level 2 — — 459 459 Interest rate swaps - assets Level 2 102,956 102,956 22,196 22,196 Assets held for sale: Cash and cash equivalents Level 2 13,446 13,446 — — Securities Level 2 66,009 68,389 — — Loans, net Level 2 362,011 354,438 — — Deposits: Nonmaturity deposits Level 2 3,050,033 3,050,033 3,002,327 3,002,327 Time deposits Level 2 752,208 748,305 974,704 968,906 Short-term borrowings Level 2 18,526 18,526 28,774 28,774 FHLB advances Level 2 195,800 195,697 266,492 265,926 Other borrowings Level 2 — — 67,250 67,770 Subordinated notes Level 2 68,334 68,521 4,782 4,933 Junior subordinated debentures Level 2 37,797 30,494 37,670 29,992 Interest rate swaps - liabilities Level 2 107,847 107,847 23,347 23,347 Liabilities hed for sale: Deposits Level 2 451,546 447,869 — — Borrowings Level 2 16,157 16,149 — —

NOTE 9 - BUSINESS SEGMENT INF_2

NOTE 9 - BUSINESS SEGMENT INFORMATION (Tables)	9 Months Ended
	Sep. 30, 2019
Notes Tables
Schedule of Segment Reporting Information, by Segment [Table Text Block]	Commercial Banking Wealth Intercompany Consolidated QCBT CRBT CSB SFC Bank Management All other Eliminations Total (dollars in thousands) Three Months Ended September 30, 2019 Total revenue $ 21,230 $ 25,707 $ 11,596 $ 8,351 $ 4,122 $ 27,753 $ (22,036) $ 76,723 Net interest income 13,357 11,478 8,894 5,056 — 1,934 — 40,719 Provision 948 150 150 276 — 488 — 2,012 Net income (loss) 4,870 7,900 3,482 2,116 926 15,081 (19,280) 15,095 Goodwill 3,223 14,980 9,888 45,975 — 3,682 — 77,748 Intangibles — 2,810 4,154 7,034 — 1,531 — 15,529 Total assets 1,642,950 1,592,896 801,596 693,898 — 1,180,872 (619,830) 5,292,382 Three Months Ended September 30, 2018 Total revenue $ 17,322 $ 16,800 $ 8,889 $ 7,360 $ 3,255 $ 17,721 $ (12,707) $ 58,640 Net interest income 12,218 10,833 7,101 5,701 — 2,456 5 38,314 Provision 409 453 20 475 — 4,849 — 6,206 Net income (loss) from continuing operations 4,827 4,869 2,533 2,198 768 6,081 (12,467) 8,809 Goodwill 3,223 14,979 9,888 45,528 — — — 73,618 Intangibles — 3,313 4,852 7,972 — — — 16,137 Total assets 1,579,327 1,354,293 734,536 623,520 — 1,038,405 (537,349) 4,792,732 Nine Months Ended September 30, 2019 Total revenue $ 60,148 $ 68,526 $ 30,596 $ 23,396 $ 12,599 $ 71,361 $ (54,563) $ 212,063 Net interest income 38,129 32,671 23,154 15,707 — 5,979 — 115,640 Provision for loan/lease losses 2,941 875 451 1,261 — 559 — 6,087 Net income (loss) 13,560 19,928 7,845 5,848 2,667 42,566 (50,897) 41,517 Goodwill 3,223 14,980 9,888 45,975 — 3,682 — 77,748 Intangibles — 2,810 4,154 7,034 — 1,531 — 15,529 Total assets 1,642,950 1,592,896 801,596 693,898 — 1,180,872 (619,830) 5,292,382 Nine Months Ended September 30, 2018 Total revenue $ 49,812 $ 49,301 $ 25,459 $ 7,360 $ 9,560 $ 53,395 $ (38,450) $ 156,437 Net interest income 36,629 32,149 20,579 5,701 — 7,738 5 102,801 Provision for loan/lease losses 2,784 1,682 817 475 — 5,288 — 11,046 Net income (loss) from continuing operations 13,796 14,191 6,560 2,197 2,336 28,556 (37,832) 29,804 Goodwill 3,223 14,979 9,888 45,528 — — — 73,618 Intangibles — 3,313 4,852 7,972 — — — 16,137 Total assets 1,579,327 1,354,293 734,536 623,520 — 1,038,405 (537,349) 4,792,732

NOTE 10 - REGULATORY CAPITAL _2

NOTE 10 - REGULATORY CAPITAL REQUIREMENTS (Tables)	9 Months Ended
	Sep. 30, 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 September 30, 2019: Company: Total risk-based capital $ 567,977 12.22 % $ 371,904 > 8.00 % $ 488,124 > 10.50 % $ 464,880 > 10.00 % Tier 1 risk-based capital 461,899 9.94 278,928 > 6.00 395,148 > 8.50 371,904 > 8.00 Tier 1 leverage 461,899 9.02 204,868 > 4.00 204,868 > 4.00 256,085 > 5.00 Common equity Tier 1 424,102 9.12 209,196 > 4.50 325,416 > 7.00 302,172 > 6.50 Quad City Bank & Trust: Total risk-based capital $ 177,834 11.72 % $ 121,345 > 8.00 % $ 159,265 > 10.50 % $ 151,681 > 10.00 % Tier 1 risk-based capital 163,998 10.81 91,009 > 6.00 128,929 > 8.50 121,345 > 8.00 Tier 1 leverage 163,998 9.85 66,604 > 4.00 66,604 > 4.00 83,255 > 5.00 Common equity Tier 1 163,998 10.81 68,257 > 4.50 106,177 > 7.00 98,593 > 6.50 Cedar Rapids Bank & Trust: Total risk-based capital $ 168,158 11.64 % $ 115,524 > 8.00 % $ 151,625 > 10.50 % $ 144,405 > 10.00 % Tier 1 risk-based capital 154,769 10.72 86,643 > 6.00 122,744 > 8.50 115,524 > 8.00 Tier 1 leverage 154,769 9.99 61,993 > 4.00 61,993 > 4.00 77,491 > 5.00 Common equity Tier 1 154,769 10.72 64,982 > 4.50 101,083 > 7.00 93,863 > 6.50 Community State Bank: Total risk-based capital $ 89,088 12.92 % $ 55,147 > 8.00 % $ 72,380 > 10.50 % $ 68,933 > 10.00 % Tier 1 risk-based capital 82,399 11.95 41,360 > 6.00 58,593 > 8.50 55,147 > 8.00 Tier 1 leverage 82,399 10.35 31,846 > 4.00 31,846 > 4.00 39,808 > 5.00 Common equity Tier 1 82,399 11.95 31,020 > 4.50 48,253 > 7.00 44,807 > 6.50 Springfield First Community Bank: Total risk-based capital $ 68,371 13.16 % $ 41,561 > 8.00 % $ 54,549 > 10.50 % $ 51,951 > 10.00 % Tier 1 risk-based capital 61,328 11.80 31,171 > 6.00 44,159 > 8.50 41,561 > 8.00 Tier 1 leverage 61,328 9.67 25,375 > 4.00 25,375 > 4.00 31,719 > 5.00 Common equity Tier 1 61,328 11.80 23,378 > 4.50 36,366 > 7.00 33,768 > 6.50 * September 30, 2019 minimums reflect the fully phased-in ratios (including the capital conservation buffer). 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

NOTE 1 - SUMMARY OF SIGNIFICA_3

NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details)	Sep. 30, 2019subsidiary
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Number of subsidiaries commercial banks	5

NOTE 2 - ASSETS AND LIABILITI_3

NOTE 2 - ASSETS AND LIABILITIES HELD FOR SALE (Details) - USD ($) $ in Thousands	Aug. 13, 2019	Sep. 30, 2019
ASSETS
Assets held for sale		$ 465,547
LIABILITIES
Liabilities held for sale		470,530
Asset held-for-sale
ASSETS AND LIABILITIES HELD FOR SALE
Purchase price premium for intangible assets	8.00%
Asset held-for-sale | RB&T
ASSETS AND LIABILITIES HELD FOR SALE
Purchase price premium multiplied	0.345
Purchase price premium		14,200
Total payments		59,700
ASSETS
Cash and cash equivalents		13,446
Securities		66,009
Loans, net		362,011
Other assets		24,081
Assets held for sale		465,547
LIABILITIES
Deposits		451,546
Borrowings		16,157
Other liabilities		2,827
Liabilities held for sale		$ 470,530

NOTE 3 - INVESTMENT SECURITIE_2

NOTE 3 - INVESTMENT SECURITIES (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019USD ($)stateitem	Sep. 30, 2018USD ($)	Sep. 30, 2019USD ($)stateitem	Sep. 30, 2018USD ($)	Dec. 31, 2018USD ($)stateitem
Number of securities | item	510		510
Available-for-sale, unrealized loss positions, qualitative disclosure, number of positions | item	31		31
Aggregate losses of securities (as a percent)	0.10%		0.10%
Available-for-sale, unrealized loss positions, qualitative disclosure, number of positions, greater than or equal to one year | item	21		21
Other than temporary impairment losses, investments	$ 0	$ 0	$ 0	$ 0
Sale of securities	23,364	$ 1,938	28,025	$ 1,938
Gain on sale	$ 143		$ 150
Number Of Charters Owning Municipal Securities | item			4
Municipal Bonds | General Obligation Bonds
Number of issuers | item	91		91		110
Other investments	$ 76,100		$ 76,100		$ 86,400
Number of states holding investments | state	23		23		26
Municipal Bonds | General Obligation Bonds | Minimum
Other investments	$ 5,000		$ 5,000		$ 5,000
Municipal Bonds | General Obligation Bonds | Aggregate Fair Value Exceeding 5 Million [Member]
Number of states holding investments | state	6		6		6
Municipal Bonds | Revenue Bonds
Number of issuers | item	148		148		160
Other investments	$ 335,200		$ 335,200		$ 371,900
Number of states holding investments	17		17		19
Municipal Bonds | Revenue Bonds | Minimum
Other investments	$ 5,000		$ 5,000		$ 5,000
Municipal Bonds | Revenue Bonds | Aggregate Fair Value Exceeding 5 Million [Member]
Number of states holding investments	7		7		7

NOTE 3 - INVESTMENT SECURITIE_3

NOTE 3 - INVESTMENT SECURITIES - Amortized Cost and Fair Value of Investment Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Securities held to maturity:
Securities held to maturity, at amortized cost	$ 343,477	$ 401,913
Securities held to maturity, gross unrealized gains	20,122	5,661
Securities held to maturity, gross unrealized (losses)	(125)	(6,804)
Securities held to maturity, fair value	363,474	400,770
Securities available for sale:
Debt Securities, Available-for-sale, Amortized Cost	206,949	266,671
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	5,257	501
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	274	6,116
Securities available for sale, at fair value	211,932	261,056
Debt Securities, Available-for-sale	211,932	261,056
US States and Political Subdivisions Debt Securities
Securities held to maturity:
Securities held to maturity, at amortized cost	342,427	400,863
Securities held to maturity, gross unrealized gains	20,122	5,661
Securities held to maturity, gross unrealized (losses)	(119)	(6,803)
Securities held to maturity, fair value	362,430	399,721
Securities available for sale:
Debt Securities, Available-for-sale, Amortized Cost	47,259	59,069
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	1,653	180
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	10	703
Securities available for sale, at fair value	48,902	58,546
Debt Securities, Available-for-sale	48,902	58,546
US Government Agencies Debt Securities
Securities available for sale:
Debt Securities, Available-for-sale, Amortized Cost	20,861	37,150
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	470	39
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	63	778
Securities available for sale, at fair value	21,268	36,411
Debt Securities, Available-for-sale	21,268	36,411
Residential Mortgage Backed Securities
Securities available for sale:
Debt Securities, Available-for-sale, Amortized Cost	121,118	163,698
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	2,962	182
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	200	4,631
Securities available for sale, at fair value	123,880	159,249
Debt Securities, Available-for-sale	123,880	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)	(6)	(1)
Securities held to maturity, fair value	1,044	1,049
Securities available for sale:
Debt Securities, Available-for-sale, Amortized Cost	17,711	6,754
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	172	100
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	1	4
Securities available for sale, at fair value	17,882	6,850
Debt Securities, Available-for-sale	$ 17,882	$ 6,850

NOTE 3 - INVESTMENT SECURITIE_4

NOTE 3 - INVESTMENT SECURITIES - Securities in a Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Securities held to maturity:
Securities held to maturity, less than 12 months, fair value	$ 2,081	$ 114,750
Securities held to maturity, less than 12 months, gross unrealized losses	(7)	(2,188)
Securities held to maturity, 12 months or more, fair value	7,839	69,412
Securities held to maturity, 12 months or more, gross unrealized losses	(118)	(4,616)
Securities held to maturity, fair value	9,920	184,162
Securities held to maturity, gross unrealized losses	(125)	(6,804)
Securities available for sale:
Securities available for sale, less than 12 months, fair value	4,746	46,980
Securities available for sale, less than 12 months, gross unrealized losses	(6)	(580)
Securities available for sale, 12 months or more, fair value	23,417	179,072
Securities available for sale, 12 months or more, gross unrealized losses	(268)	(5,536)
Securities available for sale, fair value	28,163	226,052
Securities available for sale, gross unrealized losses	(274)	(6,116)
US States and Political Subdivisions Debt Securities
Securities held to maturity:
Securities held to maturity, less than 12 months, fair value	1,037	114,201
Securities held to maturity, less than 12 months, gross unrealized losses	(1)	(2,187)
Securities held to maturity, 12 months or more, fair value	7,839	69,412
Securities held to maturity, 12 months or more, gross unrealized losses	(118)	(4,616)
Securities held to maturity, fair value	8,876	183,613
Securities held to maturity, gross unrealized losses	(119)	(6,803)
Securities available for sale:
Securities available for sale, less than 12 months, fair value	1,686	28,356
Securities available for sale, less than 12 months, gross unrealized losses	(3)	(394)
Securities available for sale, 12 months or more, fair value	723	15,932
Securities available for sale, 12 months or more, gross unrealized losses	(7)	(309)
Securities available for sale, fair value	2,409	44,288
Securities available for sale, gross unrealized losses	(10)	(703)
US Government Agencies Debt Securities
Securities available for sale:
Securities available for sale, less than 12 months, fair value	1,618	1,565
Securities available for sale, less than 12 months, gross unrealized losses	(1)	(34)
Securities available for sale, 12 months or more, fair value	2,318	29,605
Securities available for sale, 12 months or more, gross unrealized losses	(62)	(744)
Securities available for sale, fair value	3,936	31,170
Securities available for sale, gross unrealized losses	(63)	(778)
Residential Mortgage Backed Securities
Securities available for sale:
Securities available for sale, less than 12 months, fair value	1,194	12,810
Securities available for sale, less than 12 months, gross unrealized losses	(1)	(148)
Securities available for sale, 12 months or more, fair value	20,376	133,535
Securities available for sale, 12 months or more, gross unrealized losses	(199)	(4,483)
Securities available for sale, fair value	21,570	146,345
Securities available for sale, gross unrealized losses	(200)	(4,631)
Other Securities
Securities held to maturity:
Securities held to maturity, less than 12 months, fair value	1,044	549
Securities held to maturity, less than 12 months, gross unrealized losses	(6)	(1)
Securities held to maturity, fair value	1,044	549
Securities held to maturity, gross unrealized losses	(6)	(1)
Securities available for sale:
Securities available for sale, less than 12 months, fair value	248	4,249
Securities available for sale, less than 12 months, gross unrealized losses	(1)	(4)
Securities available for sale, fair value	248	4,249
Securities available for sale, gross unrealized losses	$ (1)	$ (4)

NOTE 3 - INVESTMENT SECURITIE_5

NOTE 3 - INVESTMENT SECURITIES - Sales of Securities (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Investment Securities
Proceeds from sales of securities	$ 23,364	$ 1,938	$ 28,025	$ 1,938
Gain on Sale of Investments	143		150
Gross losses from sales of securities	$ (146)		$ (206)

NOTE 3 - INVESTMENT SECURITIE_6

NOTE 3 - INVESTMENT SECURITIES - Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Securities held to maturity:
Securities held to maturity, due in one year or less, amortized cost	$ 2,946
Securities held to maturity, due in one year or less, fair value	2,954
Securities held to maturity, due after one year through five years, amortized cost	31,055
Securities held to maturity, due after one year through five years, fair value	31,689
Securities held to maturity, due after five years, amortized cost	309,476
Securities held to maturity, due after five years, fair value	328,831
Securities held to maturity, amortized cost	343,477
Securities held to maturity, fair value	363,474	$ 400,770
Securities available for sale:
Securities available for sale, due in one year or less, amortized cost	1,084
Securities available for sale, Due in one year or less, fair value	1,088
Securities available for sale, due after one year through five years, amortized cost	17,157
Securities available for sale, Due after one year through five years, fair value	17,384
Securities available for sale, due after five years, amortized cost	67,590
Securities available for sale, Due after five years, fair value	69,580
Securities available for sale, single maturity, amortized cost	85,831
Securities available for sale, single maturity, fair value	88,052
Securities available for sale, amortized cost	206,949	266,671
Securities available for sale, fair value	211,932	261,056
Callable Securities [Member]
Securities available for sale:
Securities available for sale, callable, amortized cost	46,766
Securities available for sale, callable, fair value	48,323
US States and Political Subdivisions Debt Securities
Securities held to maturity:
Securities held to maturity, fair value	362,430	399,721
Securities available for sale:
Securities available for sale, amortized cost	47,259	59,069
Securities available for sale, fair value	48,902	58,546
US States and Political Subdivisions Debt Securities | Callable Securities [Member]
Securities held to maturity:
Securities held to maturity, callable, amortized cost	176,339
Securities held to maturity, callable, fair value	181,785
Securities available for sale:
Securities available for sale, callable, amortized cost	40,262
Securities available for sale, callable, fair value	41,646
Residential Mortgage Backed Securities
Securities available for sale:
Securities available for sale, amortized cost	121,118	163,698
Securities available for sale, fair value	123,880	159,249
Securities available for sale, callable, amortized cost	121,118
Securities available for sale, callable, fair value	123,880
Other Securities
Securities held to maturity:
Securities held to maturity, fair value	1,044	1,049
Securities available for sale:
Securities available for sale, amortized cost	17,711	6,754
Securities available for sale, fair value	17,882	$ 6,850
Other Securities | Callable Securities [Member]
Securities available for sale:
Securities available for sale, callable, amortized cost	6,504
Securities available for sale, callable, fair value	$ 6,677

NOTE 4 - LOANS_LEASES RECEIVA_3

NOTE 4 - LOANS/LEASES RECEIVABLE (Details) $ in Thousands	3 Months Ended			9 Months Ended
	Sep. 30, 2019USD ($)item	Mar. 31, 2019USD ($)	Sep. 30, 2018USD ($)item	Sep. 30, 2019USD ($)item	Sep. 30, 2018USD ($)item	Dec. 31, 2018USD ($)
Loans and leases	$ 3,602,414			$ 3,602,414		$ 3,723,630
Loans receivable held for sale	8,890			8,890		1,295
Loans and leases receivable loss	0		$ 0	0	$ 0
Nonaccrual Loans/Leases	8,231			8,231		14,260
Accruing TDRs	$ 1,700			$ 1,700		6,500
Nonaccrual Loans/Leases	4		5	9	11
Financing Receivable, Modifications, Post-Modification Recorded Investment	$ 172		$ 1,299	$ 831	$ 4,404
Financing Receivable, Modifications, Subsequent Default, Number of Contracts | item			2	2	2
Financing Receivables, Impaired, Troubled Debt Restructuring, Write-down				$ 108	$ 577
Number of TDRs restructured and written off | item	3		9	3	9
Accruing Past Due 90 Days or More						632
One Customer [Member]
Financing Receivable, Modifications, Post-Modification Recorded Investment		$ 66
Other Customers [Member]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment			$ 774
Nonaccrual [Member]
Nonaccrual Loans/Leases | item					4
Financing Receivable, Modifications, Post-Modification Recorded Investment				$ 121	$ 1,300
Financing Receivable, Modifications, Subsequent Default, Number of Contracts | item				3
Troubled Debt Restructurings [Member]
Nonaccrual Loans/Leases	$ 932,000			$ 932,000		2,300
Accruing Past Due 90 Days or More						496
Residential Portfolio Segment [Member]
Loans and leases	245,667			245,667		290,759
Loans receivable held for sale	8,900			8,900		1,300
Nonaccrual Loans/Leases	1,120			1,120		1,743
Accruing Past Due 90 Days or More						89
Residential Portfolio Segment [Member] | Troubled Debt Restructurings [Member]
Nonaccrual Loans/Leases	32			32		344
Commercial Portfolio Segment [Member]
Loans and leases	1,469,978			1,469,978		1,429,410
Nonaccrual Loans/Leases	1,318			1,318		4,088
Accruing Past Due 90 Days or More						389
Commercial Portfolio Segment [Member] | Troubled Debt Restructurings [Member]
Nonaccrual Loans/Leases	26			26		265
Accruing Past Due 90 Days or More						389
Commercial Portfolio Segment [Member] | m2 Lease Funds, LLC [Member]
Loans and leases	131,000			131,000		103,400
Commercial Real Estate Portfolio Segment [Member]
Loans and leases	1,687,922			1,687,922		1,766,111
Commercial Real Estate Portfolio Segment [Member] | Troubled Debt Restructurings [Member]
Nonaccrual Loans/Leases	513,000			513,000		1,400
Accruing Past Due 90 Days or More						107
Finance Leases Portfolio Segment [Member]
Loans and leases	92,307			92,307		117,969
Nonaccrual Loans/Leases	1,397			1,397		1,761
Finance Leases Portfolio Segment [Member] | Troubled Debt Restructurings [Member]
Nonaccrual Loans/Leases	304			304		321
Consumer Portfolio Segment [Member]
Loans and leases	106,540			106,540		119,381
Nonaccrual Loans/Leases	623			623		611
Accruing Past Due 90 Days or More						47
Consumer Portfolio Segment [Member] | Troubled Debt Restructurings [Member]
Nonaccrual Loans/Leases	$ 57			$ 57		$ 3

NOTE 4 - LOANS_LEASES RECEIVA_4

NOTE 4 - LOANS/LEASES RECEIVABLE - Composition of the Loan Lease Portfolio (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Jun. 30, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Dec. 31, 2017
Gross loans/leases receivable	$ 3,610,270		$ 3,732,754
Less allowance	(36,116)	$ (41,104)	(39,847)	$ (43,077)	$ (37,545)	$ (34,355)
Net loans/leases receivable	3,574,154		3,692,907
Plus deferred loan/lease origination costs, net of fees	7,856		9,124
Loans and leases receivable	3,602,414		3,723,630
Commercial Portfolio Segment [Member]
Less allowance	(16,151)	(18,248)	(16,420)	(18,917)	(15,234)	(14,323)
Loans and leases receivable	1,469,978		1,429,410
Commercial Real Estate Portfolio Segment [Member]
Less allowance	(15,291)	(17,363)	(17,719)	(17,716)	(15,819)	(13,963)
Loans and leases receivable	1,687,922		1,766,111
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Commercial Real Estate Loans [Member]
Loans and leases receivable	441,122		500,654
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans and leases receivable	369,123		236,787
Commercial Real Estate Portfolio Segment [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Loans and leases receivable	877,677		1,028,670
Finance Leases Portfolio Segment [Member]
Net minimum lease payments to be received			130,371
Net minimum lease receivable	101,869
Estimated unguaranteed residual values of leased assets	547		828
Unearned lease/residual income	(10,109)		(13,230)
Gross loans/leases receivable	94,460		121,611
Less allowance	(1,302)	(1,459)	(1,792)	(2,632)	(2,724)	(2,382)
Net loans/leases receivable	93,158		119,819
Plus deferred loan/lease origination costs, net of fees	2,153		3,642
Loans and leases receivable	92,307		117,969
Residential Portfolio Segment [Member]
Less allowance	(2,158)	(2,582)	(2,557)	(2,507)	(2,433)	(2,466)
Loans and leases receivable	245,667		290,759
Consumer Portfolio Segment [Member]
Less allowance	(1,214)	$ (1,452)	(1,359)	$ (1,305)	$ (1,335)	$ (1,221)
Loans and leases receivable	$ 106,540		$ 119,381

NOTE 4 - LOANS_LEASES RECEIVA_5

NOTE 4 - LOANS/LEASES RECEIVABLE - Changes in Accretable Yield (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Balance at the beginning of the period	$ (8,640)	$ (5,193)	$ (10,794)	$ (6,471)
Discount added at acquisition		(8,093)		(8,093)
Reclassification of nonaccretable discount to accretable		(892)	(159)	(892)
Accretion recognized	1,438	1,848	3,751	3,126
Balance at the end of the period	(7,202)	(12,330)	(7,202)	(12,330)
PCI Loans
Balance at the beginning of the period	(151)	(142)	(667)	(191)
Discount added at acquisition		(293)		(293)
Reclassification of nonaccretable discount to accretable		(892)	(159)	(892)
Accretion recognized	94	269	769	318
Balance at the end of the period	(57)	(1,058)	(57)	(1,058)
Performing Loans
Balance at the beginning of the period	(8,489)	(5,051)	(10,127)	(6,280)
Discount added at acquisition		(7,800)		(7,800)
Accretion recognized	1,344	1,579	2,982	2,808
Balance at the end of the period	$ (7,145)	$ (11,272)	$ (7,145)	$ (11,272)

NOTE 4 - LOANS_LEASES RECEIVA_6

NOTE 4 - LOANS/LEASES RECEIVABLE - Aging of the Loan Lease Portfolio (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Current	$ 3,587,169	$ 3,698,177
Accruing Past Due 90 Days or More		632
Financing Receivable, Recorded Investment, Nonaccrual Status	8,231	14,260
Loans and leases	$ 3,602,414	$ 3,723,630
Current as a percentage of total loan/lease portfolio	99.58%	99.32%
Accruing past due 90 days or more as a percentage of total loan/lease portfolio		0.02%
Nonaccrual Loans/Leases as a percentage of total loan/lease portfolio	0.22%	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	$ 5,746	$ 9,053
Past due as a percentage of total loan/lease portfolio	0.16%	0.24%
Financing Receivables, 60 to 89 Days Past Due [Member]
Past Due	$ 1,268	$ 1,508
Past due as a percentage of total loan/lease portfolio	0.04%	0.04%
Commercial Portfolio Segment [Member]
Current	$ 1,466,347	$ 1,423,406
Accruing Past Due 90 Days or More		389
Financing Receivable, Recorded Investment, Nonaccrual Status	1,318	4,088
Loans and leases	1,469,978	1,429,410
Commercial Portfolio Segment [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Past Due	2,067	930
Commercial Portfolio Segment [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Past Due	246	597
Commercial Real Estate Portfolio Segment [Member]
Loans and leases	1,687,922	1,766,111
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Commercial Real Estate Loans [Member]
Current	440,668	500,138
Accruing Past Due 90 Days or More		107
Financing Receivable, Recorded Investment, Nonaccrual Status	178	216
Loans and leases	441,122	500,654
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Current	368,422	234,704
Financing Receivable, Recorded Investment, Nonaccrual Status		319
Loans and leases	369,123	236,787
Commercial Real Estate Portfolio Segment [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Current	872,591	1,022,664
Financing Receivable, Recorded Investment, Nonaccrual Status	3,595	5,522
Loans and leases	877,677	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	276
Commercial Real Estate Portfolio Segment [Member] | Financing Receivables, 30 to 59 Days Past Due [Member] | Construction Loans [Member]
Past Due	701	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	1,491	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		193
Finance Leases Portfolio Segment [Member]
Current	89,776	114,078
Financing Receivable, Recorded Investment, Nonaccrual Status	1,397	1,761
Loans and leases	92,307	117,969
Finance Leases Portfolio Segment [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Past Due	816	1,642
Finance Leases Portfolio Segment [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Past Due	318	488
Residential Portfolio Segment [Member]
Current	243,785	284,844
Accruing Past Due 90 Days or More		89
Financing Receivable, Recorded Investment, Nonaccrual Status	1,120	1,743
Loans and leases	245,667	290,759
Residential Portfolio Segment [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Past Due	58	3,877
Residential Portfolio Segment [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Past Due	704	206
Consumer Portfolio Segment [Member]
Current	105,580	118,343
Accruing Past Due 90 Days or More		47
Financing Receivable, Recorded Investment, Nonaccrual Status	623	611
Loans and leases	106,540	119,381
Consumer Portfolio Segment [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Past Due	$ 337	356
Consumer Portfolio Segment [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Past Due		$ 24

NOTE 4 - LOANS_LEASES RECEIVA_7

NOTE 4 - LOANS/LEASES RECEIVABLE - Loans Leases Nonperforming Loans Leases (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Accruing Past Due 90 Days or More		$ 632
Nonaccrual Loans/Leases	$ 8,231	14,260
Accruing TDRs	1,700	6,500
Loans and Leases Receivable, Net of Deferred Income	$ 3,602,414	$ 3,723,630
Percentage of Total NPLs	100.00%	100.00%
Nonperforming Financial Instruments [Member]
Accruing Past Due 90 Days or More		$ 632
Nonaccrual Loans/Leases	$ 8,231	14,260
Accruing TDRs	763	3,658
Loans and Leases Receivable, Net of Deferred Income	$ 8,994	$ 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	$ 1,318	4,088
Loans and Leases Receivable, Net of Deferred Income	1,469,978	1,429,410
Commercial Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Accruing Past Due 90 Days or More		389
Nonaccrual Loans/Leases	1,318	4,088
Accruing TDRs	565	454
Loans and Leases Receivable, Net of Deferred Income	$ 1,883	$ 4,931
Percentage of Total NPLs	20.94%	26.58%
Commercial Real Estate Portfolio Segment [Member]
Loans and Leases Receivable, Net of Deferred Income	$ 1,687,922	$ 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	178	216
Loans and Leases Receivable, Net of Deferred Income	441,122	500,654
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Nonaccrual Loans/Leases		319
Loans and Leases Receivable, Net of Deferred Income	369,123	236,787
Commercial Real Estate Portfolio Segment [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Nonaccrual Loans/Leases	3,595	5,522
Loans and Leases Receivable, Net of Deferred Income	877,677	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	178	216
Loans and Leases Receivable, Net of Deferred Income	$ 178	$ 323
Percentage of Total NPLs	1.98%	1.74%
Commercial Real Estate Portfolio Segment [Member] | Nonperforming Financial Instruments [Member] | Construction Loans [Member]
Nonaccrual Loans/Leases		$ 319
Loans and Leases Receivable, Net of Deferred Income		$ 319
Percentage of Total NPLs		1.72%
Commercial Real Estate Portfolio Segment [Member] | Nonperforming Financial Instruments [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Nonaccrual Loans/Leases	$ 3,595	$ 5,522
Accruing TDRs		2,984
Loans and Leases Receivable, Net of Deferred Income	$ 3,595	$ 8,506
Percentage of Total NPLs	39.97%	45.86%
Finance Leases Portfolio Segment [Member]
Nonaccrual Loans/Leases	$ 1,397	$ 1,761
Loans and Leases Receivable, Net of Deferred Income	92,307	117,969
Finance Leases Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Nonaccrual Loans/Leases	1,397	1,761
Accruing TDRs	198	111
Loans and Leases Receivable, Net of Deferred Income	$ 1,595	$ 1,872
Percentage of Total NPLs	17.73%	10.09%
Residential Portfolio Segment [Member]
Accruing Past Due 90 Days or More		$ 89
Nonaccrual Loans/Leases	$ 1,120	1,743
Loans and Leases Receivable, Net of Deferred Income	245,667	290,759
Residential Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Accruing Past Due 90 Days or More		89
Nonaccrual Loans/Leases	1,120	1,743
Accruing TDRs		100
Loans and Leases Receivable, Net of Deferred Income	$ 1,120	$ 1,932
Percentage of Total NPLs	12.45%	10.41%
Consumer Portfolio Segment [Member]
Accruing Past Due 90 Days or More		$ 47
Nonaccrual Loans/Leases	$ 623	611
Loans and Leases Receivable, Net of Deferred Income	106,540	119,381
Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Accruing Past Due 90 Days or More		47
Nonaccrual Loans/Leases	623	611
Accruing TDRs		9
Loans and Leases Receivable, Net of Deferred Income	$ 623	$ 667
Percentage of Total NPLs	6.93%	3.60%

NOTE 4 - LOANS_LEASES RECEIVA_8

NOTE 4 - LOANS/LEASES RECEIVABLE - Allowance for Estimated Losses on Loans Leases (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Dec. 31, 2018
Balance	$ 41,104	$ 37,545	$ 39,847	$ 34,355
Provision for loan/lease losses	2,012	6,206	6,087	11,046
Reclassification of allowance for loans and leases relating to assets held for sale.	(6,122)		(6,122)
Loans/leases charged off	(741)	(991)	(3,953)	(2,951)
Recoveries on loans/leases previously charged off	291	317	685	626
Balance	36,116	43,077	36,116	43,077
Provision for assets held for sale	428		428
Allowance for impaired loans/leases					$ 704	$ 3,659
Allowance for nonimpaired loans/leases					35,412	36,188
Less allowance for estimated losses on loans/leases	41,104	37,545	39,847	34,355	36,116	39,847
Impaired loans/leases					9,178	20,203
Nonimpaired loans/leases					3,593,236	3,703,427
Loans and leases					$ 3,602,414	$ 3,723,630
Allowance as a percentage of impaired loans/leases					7.67%	18.11%
Allowance as a percentage of nonimpaired loans/leases					0.99%	0.98%
Total allowance as a percentage of total loans/leases					1.00%	1.07%
Provision For Loan Lease And Other Losses Excluding Provision Related To Loans Assets Held For Sale
Provision for loan/lease losses	1,584		5,659
Commercial Portfolio Segment [Member]
Balance	18,248	15,234	16,420	14,323
Provision for loan/lease losses		3,699		5,284
Reclassification of allowance for loans and leases relating to assets held for sale.	(2,814)		(2,814)
Loans/leases charged off	(349)	(87)	(876)	(911)
Recoveries on loans/leases previously charged off	68	71	300	221
Balance	16,151	18,917	16,151	18,917
Allowance for impaired loans/leases					$ 160	$ 973
Allowance for nonimpaired loans/leases					15,991	15,447
Less allowance for estimated losses on loans/leases	18,248	15,234	16,420	14,323	16,151	16,420
Impaired loans/leases					1,764	4,499
Nonimpaired loans/leases					1,468,214	1,424,911
Loans and leases					$ 1,469,978	$ 1,429,410
Allowance as a percentage of impaired loans/leases					9.07%	21.62%
Allowance as a percentage of nonimpaired loans/leases					1.09%	1.08%
Total allowance as a percentage of total loans/leases					1.10%	1.15%
Commercial Portfolio Segment [Member] | Provision For Loan Lease And Other Losses Excluding Provision Related To Loans Assets Held For Sale
Provision for loan/lease losses	998		3,120
Commercial Real Estate Portfolio Segment [Member]
Balance	17,363	15,819	17,719	13,963
Provision for loan/lease losses		2,254		4,091
Reclassification of allowance for loans and leases relating to assets held for sale.	(2,392)		(2,392)
Loans/leases charged off		(387)	(1,369)	(388)
Recoveries on loans/leases previously charged off	100	30	164	50
Balance	15,291	17,716	15,291	17,716
Allowance for impaired loans/leases					$ 374	$ 2,124
Allowance for nonimpaired loans/leases					14,917	15,595
Less allowance for estimated losses on loans/leases	17,363	15,819	17,719	13,963	15,291	17,719
Impaired loans/leases					4,148	10,447
Nonimpaired loans/leases					1,683,774	1,755,664
Loans and leases					$ 1,687,922	$ 1,766,111
Allowance as a percentage of impaired loans/leases					9.02%	20.33%
Allowance as a percentage of nonimpaired loans/leases					0.89%	0.89%
Total allowance as a percentage of total loans/leases					0.91%	1.00%
Commercial Real Estate Portfolio Segment [Member] | Provision For Loan Lease And Other Losses Excluding Provision Related To Loans Assets Held For Sale
Provision for loan/lease losses	220		1,168
Finance Leases Portfolio Segment [Member]
Balance	1,459	2,724	1,792	2,382
Provision for loan/lease losses		125		1,418
Loans/leases charged off	(351)	(428)	(1,501)	(1,506)
Recoveries on loans/leases previously charged off	114	211	155	338
Balance	1,302	2,632	1,302	2,632
Allowance for impaired loans/leases					$ 59	$ 194
Allowance for nonimpaired loans/leases					1,243	1,598
Less allowance for estimated losses on loans/leases	1,459	2,724	1,792	2,382	1,302	1,792
Impaired loans/leases					1,581	2,249
Nonimpaired loans/leases					90,726	115,720
Loans and leases					$ 92,307	$ 117,969
Allowance as a percentage of impaired loans/leases					3.73%	8.63%
Allowance as a percentage of nonimpaired loans/leases					1.37%	1.38%
Total allowance as a percentage of total loans/leases					1.41%	1.52%
Finance Leases Portfolio Segment [Member] | Provision For Loan Lease And Other Losses Excluding Provision Related To Loans Assets Held For Sale
Provision for loan/lease losses	80		856
Residential Portfolio Segment [Member]
Balance	2,582	2,433	2,557	2,466
Provision for loan/lease losses		132		150
Reclassification of allowance for loans and leases relating to assets held for sale.	(628)		(628)
Loans/leases charged off	(37)	(58)	(109)	(110)
Recoveries on loans/leases previously charged off			31	1
Balance	2,158	2,507	2,158	2,507
Allowance for impaired loans/leases					$ 27	$ 257
Allowance for nonimpaired loans/leases					2,131	2,300
Less allowance for estimated losses on loans/leases	2,582	2,433	2,557	2,466	2,158	2,557
Impaired loans/leases					1,062	2,110
Nonimpaired loans/leases					244,605	288,649
Loans and leases					$ 245,667	$ 290,759
Allowance as a percentage of impaired loans/leases					2.54%	12.18%
Allowance as a percentage of nonimpaired loans/leases					0.87%	0.80%
Total allowance as a percentage of total loans/leases					0.88%	0.88%
Residential Portfolio Segment [Member] | Provision For Loan Lease And Other Losses Excluding Provision Related To Loans Assets Held For Sale
Provision for loan/lease losses	241		309
Consumer Portfolio Segment [Member]
Balance	1,452	1,335	1,359	1,221
Provision for loan/lease losses		(4)		104
Reclassification of allowance for loans and leases relating to assets held for sale.	(288)		(288)
Loans/leases charged off	(4)	(31)	(99)	(36)
Recoveries on loans/leases previously charged off	9	5	36	16
Balance	1,214	1,305	1,214	1,305
Allowance for impaired loans/leases					$ 84	$ 111
Allowance for nonimpaired loans/leases					1,130	1,248
Less allowance for estimated losses on loans/leases	1,452	$ 1,335	1,359	$ 1,221	1,214	1,359
Impaired loans/leases					623	898
Nonimpaired loans/leases					105,917	118,483
Loans and leases					$ 106,540	$ 119,381
Allowance as a percentage of impaired loans/leases					13.48%	12.38%
Allowance as a percentage of nonimpaired loans/leases					1.07%	1.05%
Total allowance as a percentage of total loans/leases					1.14%	1.14%
Consumer Portfolio Segment [Member] | Provision For Loan Lease And Other Losses Excluding Provision Related To Loans Assets Held For Sale
Provision for loan/lease losses	$ 45		$ 206

NOTE 4 - LOANS_LEASES RECEIVA_9

NOTE 4 - LOANS/LEASES RECEIVABLE - Impaired Loans Leases (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Dec. 31, 2018
Recorded investment with no specific allowance recorded	$ 4,945		$ 4,945	$ 7,938
Unpaid principal balance with no specific allowance recorded	5,117		5,117	10,706
Average recorded investment with no specific allowance recorded	4,656	$ 6,654	4,076
Interest income recognized with no specific allowance recorded	19	29	59
Interest income recognized for cash payments received with no specific allowance recorded	19	29	59
Recorded investment with specific allowance recorded	4,233		4,233	12,265
Unpaid principal balance with specific allowance recorded	4,233		4,233	12,621
Average recorded investment with specific allowance recorded	4,112	14,006	2,770
Interest income recognized with specific allowance recorded		13	2
Interest income recognized for cash payments received with specific allowance recorded		13	2
Recorded investment	9,178		9,178	20,203
Unpaid principal balance	9,350		9,350	23,327
Related allowance	704		704	3,659
Average recorded investment	8,768	20,660	6,846
Interest income recognized	19	42	61
Interest income recognized for cash payments received	19	42	61
Commercial Portfolio Segment [Member]
Recorded investment with no specific allowance recorded	1,545		1,545	1,846
Unpaid principal balance with no specific allowance recorded	1,585		1,585	4,540
Average recorded investment with no specific allowance recorded	1,433	2,795	1,026
Interest income recognized with no specific allowance recorded	6	17	18
Interest income recognized for cash payments received with no specific allowance recorded	6	17	18
Recorded investment with specific allowance recorded	219		219	2,653
Unpaid principal balance with specific allowance recorded	219		219	2,653
Average recorded investment with specific allowance recorded	141	3,401	102
Interest income recognized with specific allowance recorded		2
Interest income recognized for cash payments received with specific allowance recorded		2
Recorded investment	1,764		1,764	4,499
Unpaid principal balance	1,804		1,804	7,193
Related allowance	160		160	973
Average recorded investment	1,574	6,196	1,128
Interest income recognized	6	19	18
Interest income recognized for cash payments received	6	19	18
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Commercial Real Estate Loans [Member]
Recorded investment with no specific allowance recorded	40		40	106
Unpaid principal balance with no specific allowance recorded	56		56	106
Average recorded investment with no specific allowance recorded	42	289	21
Recorded investment with specific allowance recorded	121		121	304
Unpaid principal balance with specific allowance recorded	121		121	660
Average recorded investment with specific allowance recorded	123	141	127
Recorded investment	161		161	410
Unpaid principal balance	177		177	766
Related allowance	18		18	39
Average recorded investment	165	430	148
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Recorded investment with no specific allowance recorded				507
Unpaid principal balance with no specific allowance recorded				507
Recorded investment with specific allowance recorded				149
Unpaid principal balance with specific allowance recorded				149
Average recorded investment with specific allowance recorded		5,484
Recorded investment				656
Unpaid principal balance				656
Related allowance				33
Average recorded investment		5,484
Commercial Real Estate Portfolio Segment [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Recorded investment with no specific allowance recorded	733		733	1,804
Unpaid principal balance with no specific allowance recorded	733		733	1,804
Average recorded investment with no specific allowance recorded	739	1,009	751
Interest income recognized with no specific allowance recorded	7	9	22
Interest income recognized for cash payments received with no specific allowance recorded	7	9	22
Recorded investment with specific allowance recorded	3,254		3,254	7,577
Unpaid principal balance with specific allowance recorded	3,254		3,254	7,577
Average recorded investment with specific allowance recorded	3,254	3,848	1,995
Interest income recognized with specific allowance recorded		8
Interest income recognized for cash payments received with specific allowance recorded		8
Recorded investment	3,987		3,987	9,381
Unpaid principal balance	3,987		3,987	9,381
Related allowance	356		356	2,052
Average recorded investment	3,993	4,857	2,746
Interest income recognized	7	17	22
Interest income recognized for cash payments received	7	17	22
Finance Leases Portfolio Segment [Member]
Recorded investment with no specific allowance recorded	1,440		1,440	1,929
Unpaid principal balance with no specific allowance recorded	1,440		1,440	1,929
Average recorded investment with no specific allowance recorded	1,359	1,780	1,246
Interest income recognized with no specific allowance recorded	6	3	19
Interest income recognized for cash payments received with no specific allowance recorded	6	3	19
Recorded investment with specific allowance recorded	141		141	320
Unpaid principal balance with specific allowance recorded	141		141	320
Average recorded investment with specific allowance recorded	120	558	108
Interest income recognized with specific allowance recorded			2
Interest income recognized for cash payments received with specific allowance recorded			2
Recorded investment	1,581		1,581	2,249
Unpaid principal balance	1,581		1,581	2,249
Related allowance	59		59	194
Average recorded investment	1,479	2,338	1,354
Interest income recognized	6	3	21
Interest income recognized for cash payments received	6	3	21
Residential Portfolio Segment [Member]
Recorded investment with no specific allowance recorded	648		648	984
Unpaid principal balance with no specific allowance recorded	764		764	1,058
Average recorded investment with no specific allowance recorded	540	666	522
Recorded investment with specific allowance recorded	414		414	1,126
Unpaid principal balance with specific allowance recorded	414		414	1,126
Average recorded investment with specific allowance recorded	390	461	381
Interest income recognized with specific allowance recorded		3
Interest income recognized for cash payments received with specific allowance recorded		3
Recorded investment	1,062		1,062	2,110
Unpaid principal balance	1,178		1,178	2,184
Related allowance	27		27	257
Average recorded investment	930	1,127	903
Interest income recognized		3
Interest income recognized for cash payments received		3
Consumer Portfolio Segment [Member]
Recorded investment with no specific allowance recorded	539		539	762
Unpaid principal balance with no specific allowance recorded	539		539	762
Average recorded investment with no specific allowance recorded	543	115	510
Recorded investment with specific allowance recorded	84		84	136
Unpaid principal balance with specific allowance recorded	84		84	136
Average recorded investment with specific allowance recorded	84	113	57
Recorded investment	623		623	898
Unpaid principal balance	623		623	898
Related allowance	84		84	$ 111
Average recorded investment	$ 627	$ 228	$ 567

NOTE 4 - LOANS_LEASES RECEIV_10

NOTE 4 - LOANS/LEASES RECEIVABLE - Loans by Internally Assigned Risk Rating (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Loans and leases	$ 3,602,414	$ 3,723,630
Commercial Portfolio Segment [Member]
Loans and leases	1,469,978	1,429,410
Commercial Portfolio Segment [Member] | Internally Assigned Risk Rating [Member]
Loans and leases	1,338,954	1,326,006
Commercial Portfolio Segment [Member] | Pass [Member]
Loans and leases	1,306,314	1,294,418
Commercial Portfolio Segment [Member] | Special Mention [Member]
Loans and leases	14,043	23,302
Commercial Portfolio Segment [Member] | Substandard [Member]
Loans and leases	18,597	8,286
Commercial Real Estate Portfolio Segment [Member]
Loans and leases	1,687,922	1,766,111
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	441,122	500,654
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans and leases	369,123	236,787
Commercial Real Estate Portfolio Segment [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	877,677	1,028,670
Commercial Real Estate Portfolio Segment [Member] | Internally Assigned Risk Rating [Member] | Owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	441,122	500,654
Commercial Real Estate Portfolio Segment [Member] | Internally Assigned Risk Rating [Member] | Construction Loans [Member]
Loans and leases	369,123	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	877,677	1,028,670
Commercial Real Estate Portfolio Segment [Member] | Pass [Member] | Owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	435,761	487,949
Commercial Real Estate Portfolio Segment [Member] | Pass [Member] | Construction Loans [Member]
Loans and leases	368,659	230,473
Commercial Real Estate Portfolio Segment [Member] | Pass [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	861,561	1,008,626
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member] | Owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	2,888	9,599
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member] | Construction Loans [Member]
Loans and leases	40	3,848
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	6,224	5,309
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	2,473	3,106
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Construction Loans [Member]
Loans and leases	424	2,466
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	9,892	14,735
Commercial and Commercial Real Estate Portfolio Segments [Member] | Internally Assigned Risk Rating [Member]
Loans and leases	$ 3,026,876	$ 3,092,117
As a % of Total	100.00%	100.00%
Commercial and Commercial Real Estate Portfolio Segments [Member] | Pass [Member]
Loans and leases	$ 2,972,295	$ 3,021,466
As a % of Total	98.19%	97.72%
Commercial and Commercial Real Estate Portfolio Segments [Member] | Special Mention [Member]
Loans and leases	$ 23,195	$ 42,058
As a % of Total	0.77%	1.36%
Commercial and Commercial Real Estate Portfolio Segments [Member] | Substandard [Member]
Loans and leases	$ 31,386	$ 28,593
As a % of Total	1.04%	0.92%

NOTE 4 - LOANS_LEASES RECEIV_11

NOTE 4 - LOANS/LEASES RECEIVABLE - Leases By Delinquency Status (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Loans and leases	$ 3,602,414	$ 3,723,630
Nonperforming Financial Instruments [Member]
Loans and leases	8,994	18,550
Commercial Lease Residential And Consumer Portfolio Segments [Member] | Delinquency Status [Member]
Loans and leases	575,538	631,513
Commercial Lease Residential And Consumer Portfolio Segments [Member] | Performing Less Than Ninety Days Past Due [Member}
Loans and leases	571,467	626,351
Commercial Lease Residential And Consumer Portfolio Segments [Member] | Non Performing Greater Than Ninety Days Past Due [Member]
Loans and leases	4,071	5,162
Commercial Portfolio Segment [Member]
Loans and leases	1,469,978	1,429,410
Commercial Portfolio Segment [Member] | Delinquency Status [Member]
Loans and leases	131,024	103,404
Commercial Portfolio Segment [Member] | Performing Less Than Ninety Days Past Due [Member}
Loans and leases	130,291	102,713
Commercial Portfolio Segment [Member] | Non Performing Greater Than Ninety Days Past Due [Member]
Loans and leases	733	691
Commercial Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Loans and leases	1,883	4,931
Finance Leases Portfolio Segment [Member]
Loans and leases	92,307	117,969
Finance Leases Portfolio Segment [Member] | Delinquency Status [Member]
Loans and leases	92,307	117,969
Finance Leases Portfolio Segment [Member] | Performing Less Than Ninety Days Past Due [Member}
Loans and leases	90,712	116,097
Finance Leases Portfolio Segment [Member] | Non Performing Greater Than Ninety Days Past Due [Member]
Loans and leases	1,595	1,872
Finance Leases Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Loans and leases	1,595	1,872
Residential Portfolio Segment [Member]
Loans and leases	245,667	290,759
Residential Portfolio Segment [Member] | Delinquency Status [Member]
Loans and leases	245,667	290,759
Residential Portfolio Segment [Member] | Performing Less Than Ninety Days Past Due [Member}
Loans and leases	244,547	288,827
Residential Portfolio Segment [Member] | Non Performing Greater Than Ninety Days Past Due [Member]
Loans and leases	1,120	1,932
Residential Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Loans and leases	1,120	1,932
Consumer Portfolio Segment [Member]
Loans and leases	106,540	119,381
Consumer Portfolio Segment [Member] | Delinquency Status [Member]
Loans and leases	106,540	119,381
Consumer Portfolio Segment [Member] | Performing Less Than Ninety Days Past Due [Member}
Loans and leases	105,917	118,714
Consumer Portfolio Segment [Member] | Non Performing Greater Than Ninety Days Past Due [Member]
Loans and leases	623	667
Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Loans and leases	$ 623	$ 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	99.29%	99.18%
Commercial and Commercial Real Estate Portfolio Segments [Member] | Non Performing Greater Than Ninety Days Past Due [Member]
As a % of Total	0.71%	0.82%

NOTE 4 - LOANS_LEASES RECEIV_12

NOTE 4 - LOANS/LEASES RECEIVABLE - Troubled Debt Restructurings (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019USD ($)loan	Sep. 30, 2018USD ($)loan	Sep. 30, 2019USD ($)loan	Sep. 30, 2018USD ($)loan
Number of Loans / Leases	4	5	9	11
Pre-Modification Recorded Investment	$ 172	$ 1,299	$ 881	$ 4,404
Post-Modification Recorded Investment	172	1,299	831	4,404
Specific Allowance	$ 56	$ 334	$ 76	$ 1,150
Payment Deferral [Member]
Number of Loans / Leases | loan	3	5	7	8
Pre-Modification Recorded Investment	$ 116	$ 1,299	$ 238	$ 1,393
Post-Modification Recorded Investment	$ 116	1,299	238	1,393
Specific Allowance		$ 334	$ 20	$ 334
Payment Deferral [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Number of Loans / Leases | loan		2		2
Pre-Modification Recorded Investment		$ 981		$ 981
Post-Modification Recorded Investment		981		981
Specific Allowance		$ 60		$ 60
Extended Maturity [Member]
Number of Loans / Leases | loan	1		1	3
Pre-Modification Recorded Investment	$ 56		$ 56	$ 3,011
Post-Modification Recorded Investment	56		56	3,011
Specific Allowance	$ 56		$ 56	$ 816
Extended Maturity [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Number of Loans / Leases | loan				2
Pre-Modification Recorded Investment				$ 2,976
Post-Modification Recorded Investment				2,976
Specific Allowance				$ 816
Principal Forgiveness [Member]
Number of Loans / Leases | loan			1
Pre-Modification Recorded Investment			$ 587
Post-Modification Recorded Investment			$ 537
Finance Leases Portfolio Segment [Member] | Payment Deferral [Member]
Number of Loans / Leases | loan	3	2	6	4
Pre-Modification Recorded Investment	$ 116	$ 44	$ 219	$ 92
Post-Modification Recorded Investment	$ 116	$ 44	219	$ 92
Specific Allowance			$ 20
Finance Leases Portfolio Segment [Member] | Extended Maturity [Member]
Number of Loans / Leases | loan				1
Pre-Modification Recorded Investment				$ 35
Post-Modification Recorded Investment				$ 35
Commercial Portfolio Segment [Member] | Payment Deferral [Member]
Number of Loans / Leases | loan		1	1	1
Pre-Modification Recorded Investment		$ 274	$ 19	$ 274
Post-Modification Recorded Investment		274	$ 19	274
Specific Allowance		$ 274		$ 274
Commercial Portfolio Segment [Member] | Principal Forgiveness [Member]
Number of Loans / Leases | loan			1
Pre-Modification Recorded Investment			$ 587
Post-Modification Recorded Investment			$ 537
Residential Portfolio Segment [Member] | Payment Deferral [Member]
Number of Loans / Leases | loan				1
Pre-Modification Recorded Investment				$ 46
Post-Modification Recorded Investment				$ 46
Consumer Portfolio Segment [Member] | Extended Maturity [Member]
Number of Loans / Leases | loan	1		1
Pre-Modification Recorded Investment	$ 56		$ 56
Post-Modification Recorded Investment	56		56
Specific Allowance	$ 56		$ 56

NOTE 5 - DERIVATIVES - Summary

NOTE 5 - DERIVATIVES - Summary of Interest Rate Swaps Derivatives (Details) - Designated as Hedging Instrument [Member] - Other Liabilities. - Cash Flow Hedging [Member] - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2019	Dec. 31, 2018
Interest rate swap
Notional Amount	$ 39,000
Fair Value - Liability	$ (4,891)	$ (1,151)
Receive Rate	4.40%
Pay Rate	5.24%
QCR Holdings Statutory Trust II
Notional Amount	$ 10,000
Fair Value - Liability	$ (1,265)	(298)
Receive Rate	4.95%
Pay Rate	5.85%
QCR Holdings Statutory Trust III
Notional Amount	$ 8,000
Fair Value - Liability	$ (1,012)	(239)
Receive Rate	4.95%
Pay Rate	5.85%
QCR Holdings Statutory Trust V
Notional Amount	$ 10,000
Fair Value - Liability	$ (1,229)	(288)
Receive Rate	3.85%
Pay Rate	4.54%
Community National Statutory Trust II
Notional Amount	$ 3,000
Fair Value - Liability	$ (378)	(89)
Receive Rate	4.33%
Pay Rate	5.17%
Community National Statutory Trust III
Notional Amount	$ 3,500
Fair Value - Liability	$ (441)	(104)
Receive Rate	3.87%
Pay Rate	4.75%
Guaranty Bankshares Statutory Trust I
Notional Amount	$ 4,500
Fair Value - Liability	$ (566)	$ (133)
Receive Rate	3.87%
Pay Rate	4.75%

NOTE 5 - DERIVATIVES - Signific

NOTE 5 - DERIVATIVES - Significantly Impact of operations (Details) - USD ($) $ in Thousands	9 Months Ended		12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Dec. 31, 2018
Fee Income On Derivative Contracts	$ 20,900	$ 3,700	$ 10,600
Not Designated as Hedging Instrument [Member] | Interest rate swap
Derivative Asset, Notional Amount	694,928		445,022
Derivative Assets	102,956		22,196
Derivative Liability, Notional Amount	694,928		445,022
Derivative Liabilities	$ 102,956		$ 22,196

NOTE 6 - BORROWINGS (Details)

NOTE 6 - BORROWINGS (Details) - USD ($) $ in Thousands	Aug. 15, 2019	Feb. 12, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Sep. 30, 2019	Dec. 31, 2018
Debt Instrument [Line Items]
FHLB term advances			$ 30,200			$ 30,228
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			1,500			1,500
Losses on debt extinguishment, net			$ 148			148
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]
Line of credit				$ 20,000	$ 10,000
Fixed rate			4.34%			4.34%
Outstanding amount line of credit			$ 0			$ 0	$ 9,000
Outstanding balance		$ 9,000
Revolving line of credit | London Interbank Offered Rate (LIBOR)
Debt Instrument [Line Items]
Basis points				2.25%	2.50%
Minimum
Debt Instrument [Line Items]
Term advances for original maturities			1.50%			1.50%
Maximum
Debt Instrument [Line Items]
Term advances for original maturities			2.97%			2.97%
Subordinated Notes Due February 15, 2029 [Member]
Debt Instrument [Line Items]
Aggregate principal amount		65,000
Term Notes Member
Debt Instrument [Line Items]
Repayments of debt		$ 21,300
Wholesale structured repurchase agreements
Debt Instrument [Line Items]
Repayments of debt				$ 10,000
First wholesale structured repurchase agreements
Debt Instrument [Line Items]
Aggregate principal amount				$ 5,000
Fixed rate				2.58%
Second wholesale structured repurchase agreements
Debt Instrument [Line Items]
Aggregate principal amount				$ 20,000
Fixed rate				2.46%

NOTE 7 - EARNINGS PER SHARE - B

NOTE 7 - EARNINGS PER SHARE - Basic and Diluted (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended						9 Months Ended
	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Sep. 30, 2019	Sep. 30, 2018
Earnings Per Share
Net income	$ 15,095	$ 13,504	$ 12,918	$ 8,809	$ 10,445	$ 10,550	$ 41,517	$ 29,804
Basic earnings per common share (in dollars per share)	$ 0.96			$ 0.56			$ 2.64	$ 2.06
Diluted earnings per common share (in dollars per share)	$ 0.94			$ 0.55			$ 2.60	$ 2.02
Weighted average common shares outstanding (in shares)	15,739,430			15,625,123			15,715,788	14,477,783
Weighted average common shares issuable upon exercise of stock options and under the employee stock purchase plan** (in shares)	237,312			297,201			230,232	308,994
Weighted average common and common equivalent shares outstanding (in shares)	15,976,742			15,922,324			15,946,020	14,786,777

NOTE 8 - FAIR VALUE (Details)

NOTE 8 - FAIR VALUE (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Securities available for sale, at fair value	$ 211,932	$ 261,056
Assets Fair Value	8,427	19,785
Fair Value, Inputs, Level 3 [Member]
Assets Fair Value	8,427	19,785
Fair Value, Measurements, Recurring [Member]
Assets Fair Value	314,888	283,252
Liabilities Fair Value	107,847	23,347
Fair Value, Measurements, Recurring [Member] | Interest rate swap
Interest rate	102,956	22,196
Derivative Liabilities	107,847	23,347
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Assets Fair Value	314,888	283,252
Liabilities Fair Value	107,847	23,347
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Interest rate swap
Interest rate	102,956	22,196
Derivative Liabilities	107,847	23,347
US Government Agencies Debt Securities
Securities available for sale, at fair value	21,268	36,411
US Government Agencies Debt Securities | Fair Value, Measurements, Recurring [Member]
Securities available for sale, at fair value	21,268	36,411
US Government Agencies Debt Securities | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value	21,268	36,411
Residential Mortgage Backed Securities
Securities available for sale, at fair value	123,880	159,249
Residential Mortgage Backed Securities | Fair Value, Measurements, Recurring [Member]
Securities available for sale, at fair value	123,880	159,249
Residential Mortgage Backed Securities | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value	123,880	159,249
US States and Political Subdivisions Debt Securities
Securities available for sale, at fair value	48,902	58,546
US States and Political Subdivisions Debt Securities | Fair Value, Measurements, Recurring [Member]
Securities available for sale, at fair value	48,902	58,546
US States and Political Subdivisions Debt Securities | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value	48,902	58,546
Other Securities
Securities available for sale, at fair value	17,882	6,850
Other Securities | Fair Value, Measurements, Recurring [Member]
Securities available for sale, at fair value	17,882	6,850
Other Securities | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value	17,882	6,850
Impaired Loans Leases [Member]
Assets Fair Value	3,839	9,657
Impaired Loans Leases [Member] | Fair Value, Inputs, Level 3 [Member]
Assets Fair Value	3,839	9,657
Other Real Estate Owned [Member]
Assets Fair Value	4,588	10,128
Other Real Estate Owned [Member] | Fair Value, Inputs, Level 3 [Member]
Assets Fair Value	$ 4,588	$ 10,128

NOTE 8 - FAIR VALUE - Quantitat

NOTE 8 - FAIR VALUE - Quantitative Information About Level Fair Value Measurements (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019USD ($)item	Sep. 30, 2018USD ($)	Sep. 30, 2019USD ($)item	Sep. 30, 2018USD ($)	Dec. 31, 2018USD ($)
Fair value	$ 8,427		$ 8,427		$ 19,785
Transfers of assets or liabilities between Levels 1, 2 and 3	0	$ 0	0	$ 0
Impaired Loans Leases [Member]
Fair value	$ 3,839		$ 3,839		9,657
Valuation technique	qcrh:ValuationTechniqueAppraisalOfCollateralMember		qcrh:ValuationTechniqueAppraisalOfCollateralMember
Unobservable input	us-gaap:MeasurementInputAppraisedValueMember		us-gaap:MeasurementInputAppraisedValueMember
Impaired Loans Leases [Member] | Minimum
Impaired loans/leases, measurement input | item	(10)		(10)
Impaired Loans Leases [Member] | Maximum
Impaired loans/leases, measurement input | item	(30)		(30)
Other Real Estate Owned [Member]
Fair value	$ 4,588		$ 4,588		10,128
Valuation technique, OREO	qcrh:ValuationTechniqueAppraisalOfCollateralMember		qcrh:ValuationTechniqueAppraisalOfCollateralMember
Unobservable input, OREO	us-gaap:MeasurementInputAppraisedValueMember		us-gaap:MeasurementInputAppraisedValueMember
Other Real Estate Owned [Member] | Minimum
OREO, measurement input | item	0		0
Other Real Estate Owned [Member] | Maximum
OREO, measurement input | item	(35)		(35)
Fair Value, Inputs, Level 3 [Member]
Fair value	$ 8,427		$ 8,427		19,785
Fair Value, Inputs, Level 3 [Member] | Impaired Loans Leases [Member]
Fair value	3,839		3,839		9,657
Fair Value, Inputs, Level 3 [Member] | Other Real Estate Owned [Member]
Fair value	$ 4,588		$ 4,588		$ 10,128

NOTE 8 - FAIR VALUE - Carrying

NOTE 8 - FAIR VALUE - Carrying Values and Estimated Fair Values of Financial Assets and Liabilities (Details) - USD ($) $ in Thousands	Feb. 12, 2019	Sep. 30, 2019	Dec. 31, 2018
Interest-bearing deposits at financial institutions		$ 187,963	$ 133,198
Securities held to maturity, fair value		363,474	400,770
Securities available for sale, at fair value		211,932	261,056
Subordinated notes	$ 63,400	63,393
Fair Value, Inputs, Level 1 [Member] | Reported Value Measurement [Member]
Cash and due from banks		91,671	85,523
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value Measurement [Member]
Cash and due from banks		91,671	85,523
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member]
Federal funds sold		9,300	26,398
Securities held to maturity, fair value		343,477	401,913
Securities available for sale, at fair value		211,932	261,056
Loans/leases receivable, net		3,570,599	3,683,965
Cash and cash equivalents		13,446
Securities		66,009
Loans, net		362,011
Short-term borrowings		18,526	28,774
FHLB advances		195,800	266,492
Other borrowings			67,250
Subordinated notes		68,334	4,782
Junior subordinated debentures		37,797	37,670
Deposits		451,546
Borrowings		16,157
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member] | Non-maturity Deposits [Member]
Deposits		3,050,033	3,002,327
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member] | Time Deposits [Member]
Deposits		752,208	974,704
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member] | Interest rate cap
Interest rate			459
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member] | Interest rate swap
Interest rate		102,956	22,196
Interest rate swaps - liabilities		107,847	23,347
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member] | Interest-bearing Deposits [Member]
Interest-bearing deposits at financial institutions		187,963	133,198
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member]
Federal funds sold		9,300	26,398
Securities held to maturity, fair value		363,474	400,770
Securities available for sale, at fair value		211,932	261,056
Loans/leases receivable, net		3,495,905	3,639,329
Cash and cash equivalents		13,446
Securities		68,389
Loans, net		354,438
Short-term borrowings		18,526	28,774
FHLB advances		195,697	265,926
Other borrowings			67,770
Subordinated notes		68,521	4,933
Junior subordinated debentures		30,494	29,992
Deposits		447,869
Borrowings		16,149
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Non-maturity Deposits [Member]
Deposits		3,050,033	3,002,327
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Time Deposits [Member]
Deposits		748,305	968,906
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Interest rate cap
Interest rate			459
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Interest rate swap
Interest rate		102,956	22,196
Interest rate swaps - liabilities		107,847	23,347
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Interest-bearing Deposits [Member]
Interest-bearing deposits at financial institutions		187,963	133,198
Fair Value, Inputs, Level 3 [Member] | Reported Value Measurement [Member]
Loans/leases receivable, net		3,555	8,942
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value Measurement [Member]
Loans/leases receivable, net		$ 3,839	$ 9,657

NOTE 9 - BUSINESS SEGMENT INF_3

NOTE 9 - BUSINESS SEGMENT INFORMATION (Details) $ in Thousands	Sep. 30, 2019USD ($)subsidiary
Number of subsidiaries commercial banks	5
Commercial Banking Segment [Member]
Number of subsidiaries commercial banks	4
Wealth Management Segment [Member]
Number of subsidiaries commercial banks	4
Assets allocated | $	$ 0

NOTE 9 - BUSINESS SEGMENT INF_4

NOTE 9 - BUSINESS SEGMENT INFORMATION - Selected Financial Information on the Company's Business Segments (Details) - USD ($) $ in Thousands	3 Months Ended						9 Months Ended
	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Sep. 30, 2019	Sep. 30, 2018	Dec. 31, 2018
Total revenue	$ 76,723			$ 58,640			$ 212,063	$ 156,437
Net interest income	40,719			38,314			115,640	102,801
Provision	2,012			6,206			6,087	11,046
Net income (loss)	15,095	$ 13,504	$ 12,918	8,809	$ 10,445	$ 10,550	41,517	29,804
Goodwill	77,748			73,618			77,748	73,618	$ 77,832
Intangibles	15,529			16,137			15,529	16,137	17,450
Total assets	5,292,382			4,792,732			5,292,382	4,792,732	$ 4,949,710
Intersegment Eliminations [Member]
Total revenue	(22,036)			(12,707)			(54,563)	(38,450)
Net interest income				5				5
Net income (loss)	(19,280)			(12,467)			(50,897)	(37,832)
Total assets	(619,830)			(537,349)			(619,830)	(537,349)
Commercial Banking Segment [Member] | Quad City Bank and Trust Company [Member] | Operating Segments [Member]
Total revenue	21,230			17,322			60,148	49,812
Net interest income	13,357			12,218			38,129	36,629
Provision	948			409			2,941	2,784
Net income (loss)	4,870			4,827			13,560	13,796
Goodwill	3,223			3,223			3,223	3,223
Total assets	1,642,950			1,579,327			1,642,950	1,579,327
Commercial Banking Segment [Member] | Cedar Rapids Bank and Trust [Member] | Operating Segments [Member]
Total revenue	25,707			16,800			68,526	49,301
Net interest income	11,478			10,833			32,671	32,149
Provision	150			453			875	1,682
Net income (loss)	7,900			4,869			19,928	14,191
Goodwill	14,980			14,979			14,980	14,979
Intangibles	2,810			3,313			2,810	3,313
Total assets	1,592,896			1,354,293			1,592,896	1,354,293
Commercial Banking Segment [Member] | Community State Bank [Member] | Operating Segments [Member]
Total revenue	11,596			8,889			30,596	25,459
Net interest income	8,894			7,101			23,154	20,579
Provision	150			20			451	817
Net income (loss)	3,482			2,533			7,845	6,560
Goodwill	9,888			9,888			9,888	9,888
Intangibles	4,154			4,852			4,154	4,852
Total assets	801,596			734,536			801,596	734,536
Commercial Banking Segment [Member] | SPRINGFIELD BANCSHARES, INC | Operating Segments [Member]
Total revenue	8,351			7,360			23,396	7,360
Net interest income	5,056			5,701			15,707	5,701
Provision	276			475			1,261	475
Net income (loss)	2,116			2,198			5,848	2,197
Goodwill	45,975			45,528			45,975	45,528
Intangibles	7,034			7,972			7,034	7,972
Total assets	693,898			623,520			693,898	623,520
Wealth Management Segment [Member] | Operating Segments [Member]
Total revenue	4,122			3,255			12,599	9,560
Net income (loss)	926			768			2,667	2,336
Other Segments [Member] | Operating Segments [Member]
Total revenue	27,753			17,721			71,361	53,395
Net interest income	1,934			2,456			5,979	7,738
Provision	488			4,849			559	5,288
Net income (loss)	15,081			6,081			42,566	28,556
Goodwill	3,682						3,682
Intangibles	1,531						1,531
Total assets	$ 1,180,872			$ 1,038,405			$ 1,180,872	$ 1,038,405

NOTE 10 - REGULATORY CAPITAL _3

NOTE 10 - REGULATORY CAPITAL REQUIREMENTS - Capital Requirements (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Total risk-based capital, actual, amount	$ 567,977	$ 460,416
Total risk-based capital, actual, ratio	12.22%	10.69%
Total risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 371,904	$ 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	$ 488,124	$ 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	$ 464,880	$ 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	$ 461,899	$ 420,569
Tier 1 risk-based capital, actual, ratio	9.94%	9.77%
Tier 1 risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 278,928	$ 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	$ 395,148	$ 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	$ 371,904	$ 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	$ 461,899	$ 420,569
Tier 1 leverage, actual, ratio	9.02%	8.87%
Tier 1 leverage for capital adequacy purposes, amount, without capital conservation buffer	$ 204,868	$ 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	$ 204,868	$ 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	$ 256,085	$ 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	$ 424,102	$ 382,899
Common equity Tier 1, actual ratio	9.12%	8.89%
Common equity Tier 1 for capital adequacy purposes, amount, without capital conservation buffer	$ 209,196	$ 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	$ 325,416	$ 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	$ 302,172	$ 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	$ 177,834	$ 162,009
Total risk-based capital, actual, ratio	11.72%	11.38%
Total risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 121,345	$ 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	$ 159,265	$ 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	$ 151,681	$ 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	$ 163,998	$ 148,529
Tier 1 risk-based capital, actual, ratio	10.81%	10.43%
Tier 1 risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 91,009	$ 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	$ 128,929	$ 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	$ 121,345	$ 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	$ 163,998	$ 148,529
Tier 1 leverage, actual, ratio	9.85%	9.04%
Tier 1 leverage for capital adequacy purposes, amount, without capital conservation buffer	$ 66,604	$ 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	$ 66,604	$ 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	$ 83,255	$ 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	$ 163,998	$ 148,529
Common equity Tier 1, actual ratio	10.81%	10.43%
Common equity Tier 1 for capital adequacy purposes, amount, without capital conservation buffer	$ 68,257	$ 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	$ 106,177	$ 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	$ 98,593	$ 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	$ 168,158	$ 146,292
Total risk-based capital, actual, ratio	11.64%	11.55%
Total risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 115,524	$ 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	$ 151,625	$ 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	$ 144,405	$ 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	$ 154,769	$ 133,982
Tier 1 risk-based capital, actual, ratio	10.72%	10.58%
Tier 1 risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 86,643	$ 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	$ 122,744	$ 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	$ 115,524	$ 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	$ 154,769	$ 133,982
Tier 1 leverage, actual, ratio	9.99%	9.98%
Tier 1 leverage for capital adequacy purposes, amount, without capital conservation buffer	$ 61,993	$ 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	$ 61,993	$ 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	$ 77,491	$ 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	$ 154,769	$ 133,982
Common equity Tier 1, actual ratio	10.72%	10.58%
Common equity Tier 1 for capital adequacy purposes, amount, without capital conservation buffer	$ 64,982	$ 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	$ 101,083	$ 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	$ 93,863	$ 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	$ 89,088	$ 75,233
Total risk-based capital, actual, ratio	12.92%	11.24%
Total risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 55,147	$ 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	$ 72,380	$ 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	$ 68,933	$ 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	$ 82,399	$ 69,101
Tier 1 risk-based capital, actual, ratio	11.95%	10.32%
Tier 1 risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 41,360	$ 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	$ 58,593	$ 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	$ 55,147	$ 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	$ 82,399	$ 69,101
Tier 1 leverage, actual, ratio	10.35%	9.19%
Tier 1 leverage for capital adequacy purposes, amount, without capital conservation buffer	$ 31,846	$ 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	$ 31,846	$ 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	$ 39,808	$ 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	$ 82,399	$ 69,101
Common equity Tier 1, actual ratio	11.95%	10.32%
Common equity Tier 1 for capital adequacy purposes, amount, without capital conservation buffer	$ 31,020	$ 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	$ 48,253	$ 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	$ 44,807	$ 43,523
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	$ 68,371	$ 57,051
Total risk-based capital, actual, ratio	13.16%	12.24%
Total risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 41,561	$ 37,278
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	$ 54,549	$ 46,016
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	$ 51,951	$ 46,598
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	$ 61,328	$ 51,279
Tier 1 risk-based capital, actual, ratio	11.80%	11.00%
Tier 1 risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 31,171	$ 27,959
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	$ 44,159	$ 36,696
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	$ 41,561	$ 37,278
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio	8.00%	8.00%
Tier 1 leverage, actual, amount	$ 61,328	$ 51,279
Tier 1 leverage, actual, ratio	9.67%	9.39%
Tier 1 leverage for capital adequacy purposes, amount, without capital conservation buffer	$ 25,375	$ 21,849
Tier 1 leverage for capital adequacy purposes, ratio, without capital conservation buffer	4.00%	4.00%
Tier 1 leverage for capital adequacy purposes, amount	$ 25,375	$ 21,849
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	$ 31,719	$ 27,312
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio	5.00%	5.00%
Common equity Tier 1, actual, amount	$ 61,328	$ 51,279
Common equity Tier 1, actual ratio	11.80%	11.00%
Common equity Tier 1 for capital adequacy purposes, amount, without capital conservation buffer	$ 23,378	$ 20,969
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	$ 36,366	$ 29,706
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	$ 33,768	$ 30,289
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		$ 50,648
Total risk-based capital, actual, ratio		10.89%
Total risk-based capital for capital adequacy purposes, amount, without capital conservation buffer		$ 37,208
Total risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer		8.00%
Total risk-based capital for capital adequacy purposes, amount		$ 45,929
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		$ 46,511
Total risk-based capital to be well capitalized under prompt corrective action provisions, ratio		10.00%
Tier 1 risk-based capital, actual, amount		$ 44,821
Tier 1 risk-based capital, actual, ratio		9.64%
Tier 1 risk-based capital for capital adequacy purposes, amount, without capital conservation buffer		$ 27,906
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		$ 36,627
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		$ 37,208
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio		8.00%
Tier 1 leverage, actual, amount		$ 44,821
Tier 1 leverage, actual, ratio		8.93%
Tier 1 leverage for capital adequacy purposes, amount, without capital conservation buffer		$ 20,081
Tier 1 leverage for capital adequacy purposes, ratio, without capital conservation buffer		4.00%
Tier 1 leverage for capital adequacy purposes, amount		$ 20,081
Tier 1 leverage for capital adequacy purposes, ratio		4.00%
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount		$ 25,101
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio		5.00%
Common equity Tier 1, actual, amount		$ 44,821
Common equity Tier 1, actual ratio		9.64%
Common equity Tier 1 for capital adequacy purposes, amount, without capital conservation buffer		$ 20,930
Common equity Tier 1 for capital adequacy purposes, ratio, without capital conservation buffer		4.50%
Common equity Tier 1 for capital adequacy purposes, amount		$ 29,650
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		$ 30,232
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio		6.50%