QCR (QCRH) 10-K 13 Mar 20 2019 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2019	Feb. 28, 2020	Jun. 30, 2019
Document and Entity Information [Abstract]
Document Type	10-K
Document Period End Date	Dec. 31, 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 Voluntary Filers	No
Entity Interactive Data Current	Yes
Entity Small Business	false
Entity Shell Company	false
Entity Emerging Growth Company	false
Entity Public Float			$ 522,033,613
Entity Common Stock, Shares Outstanding (in shares)		15,867,838
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	FY
Entity Well-known Seasoned Issuer	No
Entity Central Index Key	0000906465
Amendment Flag	false

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Assets
Cash and due from banks	$ 76,254	$ 85,523
Federal funds sold	9,800	26,398
Interest-bearing deposits at financial institutions	147,891	133,198
Securities held to maturity, at amortized cost	400,646	401,913
Securities available for sale, at fair value	210,695	261,056
Total securities	611,341	662,969
Loans receivable held for sale	3,673	1,295
Loans/leases receivable held for investment	3,686,532	3,731,459
Gross loans/leases receivable	3,690,205	3,732,754
Less allowance for estimated losses on loans/leases	(36,001)	(39,847)
Net loans/leases receivable	3,654,204	3,692,907
Bank-owned life insurance	58,834	67,783
Premises and equipment, net	73,859	75,582
Restricted investment securities	23,252	25,689
Other real estate owned, net	4,129	9,378
Goodwill	74,748	77,832
Intangibles	14,970	17,450
Assets held for sale	11,966
Other assets	147,802	75,001
Total assets	4,909,050	4,949,710
Liabilities and Stockholders' Equity
Noninterest-bearing	777,224	791,102
Interest-bearing	3,133,827	3,185,929
Total deposits	3,911,051	3,977,031
Short-term borrowings	13,423	28,774
Federal Home Loan Bank advances	159,300	266,492
Other borrowings		67,250
Subordinated notes	68,394	4,782
Junior subordinated debentures	37,838	37,670
Liabilities held for sale	5,003
Other liabilities	178,690	94,573
Total liabilities	4,373,699	4,476,572
Stockholders' Equity:
Preferred stock, $1 par value; shares authorized 250,000 December 2019 and December 2018 - no shares issued or outstanding
Common stock, $1 par value; shares authorized 20,000,000 December 2019 - 15,828,098 shares issued and outstanding December 2018 - 15,718,208 shares issued and outstanding	15,828	15,718
Additional paid-in capital	274,785	270,761
Retained earnings	245,836	192,203
Accumulated other comprehensive income (loss):
Securities available for sale	2,817	(4,268)
Derivatives	(3,915)	(1,276)
Total stockholders' equity	535,351	473,138
Total liabilities and stockholders' equity	$ 4,909,050	$ 4,949,710

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parentheticals) - $ / shares	Dec. 31, 2019	Dec. 31, 2018
Statement of Financial Position [Abstract]
Preferred stock, par value (in dollars per share)	$ 1	$ 1
Preferred stock, authorized (in shares)	250,000	250,000
Preferred stock, issued (in shares)	0	0
Preferred stock, outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock, authorized (in shares)	20,000,000	20,000,000
Common stock, issued (in shares)	15,828,098	15,718,208
Common stock, outstanding (in shares)	15,828,098	15,718,208

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Interest and dividend income:
Loans/leases, including fees	$ 190,324	$ 160,160	$ 117,465
Securities:
Taxable	6,607	6,353	5,145
Nontaxable	13,858	13,668	11,253
Interest-bearing deposits at financial institutions	3,910	1,267	874
Restricted investment securities	1,174	1,093	631
Federal funds sold	203	338	149
Total interest and dividend income	216,076	182,879	135,517
Interest expense:
Deposits	50,875	30,675	13,012
Short-term borrowings	363	271	114
Federal Home Loan Bank advances	2,894	4,193	1,981
Other borrowings	513	3,207	2,879
Subordinated notes	3,564	139
Junior subordinated debentures	2,308	1,999	1,466
Total interest expense	60,517	40,484	19,452
Net interest income	155,559	142,395	116,065
Provision for loan/lease losses	7,066	12,658	8,470
Net interest income after provision for loan/lease losses	148,493	129,737	107,595
Noninterest income:
Revenue	294,844	224,420	165,999
Gains on sales of residential real estate loans, net	2,571	901	409
Gains on sales of government guaranteed portions of loans, net	748	405	1,164
Swap fee income	28,295	10,787	3,095
Securities losses, net	(30)		(88)
Earnings on bank-owned life insurance	1,973	1,632	1,802
Gain on sale of assets and liabilities of subsidiary	12,286
Other	5,429	3,848	3,265
Total noninterest income	78,768	41,541	30,482
Noninterest expense:
Salaries and employee benefits	92,063	68,994	55,722
Occupancy and equipment expense	15,106	12,884	10,938
Professional and data processing fees	13,381	11,452	10,757
Acquisition costs		1,795	1,069
Post-acquisition compensation, transition and integration costs	3,582	2,086	4,310
Disposition costs	3,325
FDIC insurance, other insurance and regulatory fees	2,955	3,594	2,752
Loan/lease expense	1,097	1,544	1,164
Net cost of and gains/losses on operations of other real estate	3,789	2,489	2
Advertising and marketing	4,548	3,552	2,625
Bank service charges	2,009	1,838	1,771
Loss on debt extinguishment, net	436
Correspondent banking expense	836	821	807
Amortization of intangibles	2,266	1,692	1,001
Goodwill impairment	3,000
Other	6,841	6,402	4,506
Total noninterest expense	155,234	119,143	97,424
Net income before income taxes	72,027	52,135	40,653
Federal and state income tax expense (benefit)	14,619	9,015	4,946
Net income	$ 57,408	$ 43,120	$ 35,707
Basic earnings per common share (in dollars per share)	$ 3.65	$ 2.92	$ 2.68
Diluted earnings per common share (in dollars per share)	$ 3.60	$ 2.86	$ 2.61
Weighted average common shares outstanding (in shares)	15,730,016	14,768,687	13,325,128
Weighted average common and common equivalent shares outstanding (in shares)	15,967,775	15,064,730	13,680,472
Cash dividends declared per common share (in dollars per share)	$ 0.24	$ 0.24	$ 0.20
Trust department fees
Noninterest income:
Revenue	$ 9,559	$ 8,707	$ 7,188
Investment advisory and management fees
Noninterest income:
Revenue	6,995	4,726	3,870
Deposit service fees
Noninterest income:
Revenue	6,812	6,420	5,919
Debit card fees
Noninterest income:
Revenue	3,357	3,263	2,942
Correspondent banking fees
Noninterest income:
Revenue	$ 773	$ 852	$ 916

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Net income	$ 57,408	$ 43,120	$ 35,707
Other comprehensive income (loss):
Unrealized holding gains (losses) arising during the period before tax	8,761	(4,464)	1,257
Less reclassification adjustment for losses included in net income before tax	(30)		(88)
Unrealized gains (losses) on securities available for sale	8,791	(3,609)	1,345
Unrealized holding losses arising during the period before tax	(3,806)	(1,199)	(70)
Less reclassification adjustment for caplet amortization before tax		(602)	(485)
Unrealized losses on derivatives	(3,806)	(597)	415
Unrealized holding gains arising during the period before tax on securities held for sale	587
Less realized holding gains on securities sold	(61)
Unrealized holding losses arising during the period before tax on derivatives held for sale	(446)
Less reclassification adjustment for caplet amortization before tax	422
Less realized holding losses on derivatives sold	392
Unrealized gains (losses) on assets held for sale	894
Other comprehensive income (loss), before tax	5,879	(4,206)	1,760
Tax expense (benefit)	1,433	(1,000)	668
Other comprehensive income (loss), net of tax	4,446	(3,206)	1,092
Comprehensive income	$ 61,854	39,914	$ 36,799
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]Springfield Bancshares	Common Stock [Member]Bates Companies [Member]	Common Stock [Member]Guaranty Bank and Trust Company [Member]	Common Stock [Member]	Additional Paid-in Capital [Member]Springfield Bancshares	Additional Paid-in Capital [Member]Bates Companies [Member]	Additional Paid-in Capital [Member]Guaranty Bank and Trust Company [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Springfield Bancshares	Bates Companies [Member]	Guaranty Bank and Trust Company [Member]	Total
Balance at Dec. 31, 2016				$ 13,107				$ 156,777	$ 118,617	$ (2,460)				$ 286,041
Net income									35,707					35,707
Other comprehensive income (loss), net of tax										1,092				1,092
Reclassification of certain tax effects from accumulated other comprehensive income									303	(303)
Common cash dividends declared									(2,665)					(2,665)
Issuance of shares of common stock as a result of the acquisition, net of issuance cost			$ 679				$ 30,063						$ 30,742
Issuance of shares of common stock as a result of stock purchased under the Employee Stock Purchase Plan				13				455						468
Issuance of shares of common stock as a result of stock options exercised				114				1,611						1,725
Stock-based compensation expense								1,187						1,187
Restricted stock awards - shares of common stock				28				(28)
Exchange of shares of common stock in connection with payroll taxes for restricted stock and in connection with stock options exercised				(23)				(987)						(1,010)
Balance at Dec. 31, 2017				13,918				189,078	151,962	(1,671)				353,287
Net income									43,120					43,120
Other comprehensive income (loss), net of tax										(3,206)				(3,206)
Impact of adoption of ASU 2016-01									667	(667)
Common cash dividends declared									(3,546)					(3,546)
Issuance of shares of common stock as a result of the acquisition, net of issuance cost	$ 1,699	$ 24			$ 78,832	$ 976					$ 80,531	$ 1,000
Issuance of shares of common stock as a result of stock purchased under the Employee Stock Purchase Plan				15				576						591
Issuance of shares of common stock as a result of stock options exercised				60				734						794
Stock-based compensation expense								1,443						1,443
Restricted stock awards - shares of common stock				23				(23)
Exchange of shares of common stock in connection with payroll taxes for restricted stock and in connection with stock options exercised				(21)				(855)						(876)
Balance at Dec. 31, 2018				15,718				270,761	192,203	(5,544)				473,138
Net income									57,408					57,408
Other comprehensive income (loss), net of tax										4,446				4,446
Common cash dividends declared									(3,775)					(3,775)
Issuance of shares of common stock as a result of the acquisition, net of issuance cost		$ 9				$ 390						$ 399
Issuance of shares of common stock as a result of stock purchased under the Employee Stock Purchase Plan				29				779						808
Issuance of shares of common stock as a result of stock options exercised				59				660						719
Stock-based compensation expense								2,469						2,469
Restricted stock awards - shares of common stock				20				(63)						(43)
Exchange of shares of common stock in connection with payroll taxes for restricted stock and in connection with stock options exercised				(7)				(211)						(218)
Balance at Dec. 31, 2019				$ 15,828				$ 274,785	$ 245,836	$ (1,098)				$ 535,351

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parentheticals) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Cash dividends declared per common share (in dollars per share)	$ 0.24	$ 0.24	$ 0.20
Issuance of shares of common stock as a result of stock purchased under the Employee Stock Purchase Plan (in shares)	28,775
Issuance of shares of common stock as s result of stock options exercised (in shares)	59,393	60,127	114,100
Exchange of shares of common stock in connection with stock options exercised and restricted stock vested (in shares)	7,547
Bates Companies [Member]
Issuance of common stock, net of issuance costs, shares (in shares)		23,501
Retained Earnings [Member]
Cash dividends declared per common share (in dollars per share)	$ 0.24	$ 0.24	$ 0.20
Common Stock [Member]
Issuance of shares of common stock as a result of stock purchased under the Employee Stock Purchase Plan (in shares)		15,528	13,318
Issuance of shares of common stock as s result of stock options exercised (in shares)	59,393		114,100
Restricted stock awards (in shares)	19,869	22,660	28,289
Exchange of shares of common stock in connection with stock options exercised and restricted stock vested (in shares)		21,190	23,054
Common Stock [Member] | Guaranty Bank and Trust Company [Member]
Issuance of shares of common stock, net of issuance costs			$ 138,071
Issuance of shares of common stock as a result of the acquisition, net of issuance cost (in shares)			678,000
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
Common Stock [Member] | Bates Companies [Member]
Issuance of common stock, net of issuance costs, shares (in shares)	9,400
Issuance of shares of common stock as a result of the acquisition, net of issuance cost (in shares)		23,501

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	3 Months Ended		12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
CASH FLOWS FROM OPERATING ACTIVITIES
Net income			$ 57,408,000	$ 43,120,000	$ 35,707,000
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation			5,225,000	4,451,000	3,949,000
Provision for loan/lease losses	$ 979,000	$ 1,612,000	7,066,000	12,658,000	8,470,000
Deferred income taxes			6,364,000	6,292,000	(6,030,000)
Stock-based compensation expense			2,469,000	1,443,000	1,187,000
Deferred compensation expense accrued			2,773,000	1,824,000	1,426,000
Losses on other real estate owned, net			3,361,000	2,585,000	(151,000)
Amortization of premiums on securities, net			1,561,000	1,614,000	1,839,000
Securities losses, net			30,000		88,000
Loans originated for sale			(151,692,000)	(57,698,000)	(49,579,000)
Proceeds on sales of loans			152,633,000	58,353,000	51,642,000
Gains on sales of residential real estate loans			(2,571,000)	(901,000)	(409,000)
Gains on sales of government guaranteed portions of loans			(748,000)	(405,000)	(1,164,000)
Loss on debt extinguishment, net			436,000
Gains on sales of premises and equipment			753,000
Amortization of intangibles			2,266,000	1,692,000	1,001,000
Accretion of acquisition fair value adjustments, net			(4,344,000)	(5,527,000)	(4,941,000)
Increase in cash value of bank-owned life insurance			(1,973,000)	(1,632,000)	(1,802,000)
Gain on sale of assets and liabilities of subsidiary			(12,286,000)
Goodwill impairment			3,000,000
Decrease (increase) in other assets			(19,152,000)	(11,137,000)	726,000
Increase (decrease) in other liabilities			23,915,000	7,539,000	(8,246,000)
Net cash provided by operating activities			76,494,000	64,271,000	33,713,000
CASH FLOWS FROM INVESTING ACTIVITIES
Net decrease (increase) in federal funds sold			16,598,000	3,799,000	(7,940,000)
Net decrease (increase) in interest-bearing deposits at financial institutions			(69,984,000)	(14,508,000)	12,138,000
Proceeds from sales of other real estate owned			840,000	2,539,000	1,138,000
Activity in securities portfolio:
Purchases			(71,963,000)	(84,045,000)	(179,786,000)
Calls, maturities and redemptions			25,193,000	23,931,000	43,010,000
Paydowns			50,830,000	44,287,000	38,496,000
Sales			30,055,000	1,938,000	71,092,000
Activity in restricted investment securities:
Purchases			(5,859,000)	(5,409,000)	(4,824,000)
Redemptions			7,621,000	3,157,000	515,000
Net increase in loans/leases originated and held for investment			(320,368,000)	(292,697,000)	(375,226,000)
Purchase of premises and equipment			(12,429,000)	(11,457,000)	(5,761,000)
Proceeds from sales of premises and equipment			2,562,000
Purchase of interest rate caps			(4,347,000)
Net cash received for sale of assets and liabilities of subsidiary			42,587,000
Net cash paid for acquisition				(5,183,000)	(3,369,000)
Net cash (used in) investing activities			(308,664,000)	(333,648,000)	(410,517,000)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposit accounts			335,580,000	271,266,000	385,082,000
Net increase (decrease) in short-term borrowings			(14,193,000)	13,638,000	(39,080,000)
Activity in Federal Home Loan Bank advances:
Term advances			25,000,000	15,080,000	1,600,000
Calls and maturities			(35,000,000)	(40,000,000)	(8,000,000)
Net change in short-term and overnight advances			(52,465,000)	24,765,000	60,900,000
Prepayments			(30,323,000)		(4,108,000)
Activity in other borrowings:
Proceeds from other borrowings				9,000,000	7,000,000
Calls, maturities and scheduled principal payments			(11,937,000)	(12,550,000)	(21,000,000)
Prepayments			(46,313,000)
Paydown of revolving line of credit			(9,000,000)
Proceeds from subordinated notes			63,393,000
Payment of cash dividends on common stock			(3,767,000)	(3,300,000)	(2,494,000)
Proceeds from issuance of common stock, net			1,926,000	1,279,000	2,056,000
Net cash provided by financing activities			222,901,000	279,178,000	381,956,000
Net increase (decrease) in cash and due from banks			(9,269,000)	9,801,000	5,152,000
Cash and due from banks, beginning			85,523,000	75,722,000	70,570,000
Cash and due from banks, ending	76,254,000	85,523,000	76,254,000	85,523,000	75,722,000
Cash and due from banks	76,254,000	85,523,000	76,254,000	85,523,000
Supplemental disclosure of cash flow information, cash payments (receipts) for:
Interest			59,292,000	38,782,000	19,054,000
Income/franchise taxes			2,719,000	30,000	13,040,000
Supplemental schedule of noncash investing activities:
Change in accumulated other comprehensive income, unrealized gains on securities available for sale and derivative instruments, net			4,446,000	(3,206,000)	1,092,000
Exchange of shares of common stock in connection with payroll taxes for restricted stock and in connection with stock options exercised			(218,000)	(877,000)	(1,010,000)
Transfers of loans to other real estate owned			1,086,000	943,000	9,023,000
Increase (decrease) in the fair value of back-to-back interest rate swap assets and liabilities			62,483,000	17,798,000	2,059,000
Dividends payable			947,000	939,000	693,000
Transfer of equity securities from securities available for sale to other assets at fair value				2,614,000
Assets Sold:
Total assets sold	11,966,000		11,966,000
Liabilities Sold:
Total liabilities sold	5,003,000		5,003,000
Gain on sale of certain assets and certain liabilities of RB&T:			12,286,000
Fair value of assets acquired:
Cash and due from banks		4,651,000		4,651,000	4,435,000
Interest-bearing deposits at financial institutions		62,924,000		62,924,000	3,954,000
Securities available for sale, at fair value		4,845,000		4,845,000	49,703,000
Loans/leases receivable held for investment, net		477,337,000		477,337,000	192,518,000
Bank-owned life insurance		7,092,000		7,092,000
Premises and equipment, net		6,092,000		6,092,000	4,808,000
Restricted investment securities		3,654,000		3,654,000	477,000
Intangibles		10,064,000		10,064,000	2,698,000
Other assets		2,255,000		2,255,000	998,000
Total assets sold		578,914,000		578,914,000	259,591,000
Fair value of liabilities assumed:
Deposits		439,579,000		439,579,000	212,468,000
Short-term borrowings		1,143,000		1,143,000	13,102,000
FHLB advances		74,540,000		74,540,000	4,108,000
Other borrowings		9,544,000		9,544,000
Junior subordinated debentures					3,857,000
Other liabilities		8,878,000		8,878,000	2,596,000
Total liabilities assumed		533,684,000		533,684,000	236,131,000
Net assets acquired		$ 45,230,000		45,230,000	23,460,000
Consideration paid:
Cash paid				9,834,000	7,803,000
Promissory note				1,500,000
Contingent commitment				2,000,000
Common stock				81,637,000	30,880,000
Total consideration paid				94,971,000	38,683,000
Goodwill				49,741,000	15,223,000
RB&T
Adjustments to reconcile net income to net cash provided by operating activities:
Gain on sale of assets and liabilities of subsidiary			(12,286,000)
Activity in restricted investment securities:
Net cash received for sale of assets and liabilities of subsidiary			42,587,000
Supplemental schedule of noncash investing activities:
Cash proceeds	46,560,000		46,560,000
Assets Sold:
Cash and due from banks	3,973,000		3,973,000
Interest-bearing deposits at financial institutions	55,291,000		55,291,000
Securities held to maturity, at amortized cost	3,243,000		3,243,000
Securities available for sale, at fair value	21,874,000		21,874,000
Loans/leases receivable held for investment, net	357,931,000		357,931,000
Premises and equipment, net	5,612,000		5,612,000
Restricted investment securities	675,000		675,000
Other real estate owned, net	2,134,000		2,134,000
Other assets	3,228,000		3,228,000
Total assets sold	453,961,000		453,961,000
Liabilities Sold:
Noninterest-bearing deposits	69,802,000		69,802,000
Interest-bearing deposits	331,486,000		331,486,000
Short-term borrowings	1,158,000		1,158,000
Federal Home Loan Bank advances	15,000,000		15,000,000
Other liabilities	2,241,000		2,241,000
Total liabilities sold	$ 419,687,000		419,687,000
Gain on sale of certain assets and certain liabilities of RB&T:			12,286,000
Springfield Bancshares
Consideration paid:
Cash paid				3,747,209
Goodwill				45,975,000
Guaranty Bank [Member]
Consideration paid:
Cash paid					3,368,909
Goodwill					$ 15,223,000
Bates Companies [Member]
Adjustments to reconcile net income to net cash provided by operating activities:
Goodwill impairment			$ 3,000,000
Consideration paid:
Cash paid				1,435,595
Goodwill				$ 3,766,000

Note 1 - Nature of Business and

Note 1 - Nature of Business and Significant Accounting Policies	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Nature of Business and Significant Accounting Policies	Note 1. Nature of Business and Significant Accounting Policies Basis of presentation: The acronyms and abbreviations identified below are used in the Notes to the Consolidated Financial Statements, as well as in the other sections of this Annual Report on Form 10‑K (including appendices). It may be helpful to refer back to this page as you read this report. Allowance: Allowance for estimated losses on loans/leases HTM: Held to maturity AOCI: Accumulated other comprehensive income (loss) IB&T: Illinois Bank & Trust AFS: Available for sale IDFPR: Illinois Department of Financial & Professional ASC: Accounting Standards Codification Regulation ASC 805: Business Combination Standard Iowa Superintendent: Iowa Superintendent of Banking ASU: Accounting Standards Update Bates Companies: Bates Financial Advisors, Inc., Bates LCR: Liquidity Coverage Ratio LIBOR: London Inter-Bank Offered Rate Financial Services, Inc., Bates Securities, Inc. and Batess m2: m2 Lease Funds, LLC Financial Group, Inc. MD&A: Management’s Discussion & Analysis BBA: British Bankers’ Association. Missouri Division of Finance: Missouri Department of BHCA: Bank Holding Company Act of 1956 Commerce and Insurance BOLI: Bank-owned life insurance MSA: Metropolitan Statistical Area Caps: Interest rate cap derivatives NIM: Net interest margin CECL: Current Expected Credit Losses NPA: Nonperforming asset CFPB: Bureau of Consumer Financial Protection NPL: Nonperforming loan NSFR: Net Stable Funding Ratio CDI: Core deposit intangible OREO: Other real estate owned Community National: Community National Bancorporation OTTI: Other-than-temporary impairment CNB: Community National Bank PCAOB: Public Company Accounting Oversight Board CRA: Community Reinvestment Act PCI: Purchased credit impaired CRBT: Cedar Rapids Bank & Trust Company Provision: Provision for loan/lease losses CRE: Commercial real estate PUD LOC: Public Unit Deposit Letter of Credit CRE Guidance: Interagency Concentrations in Commercial QCBT: Quad City Bank & Trust Company Real Estate Lending, Sound Risk Management Practices QCIA: Quad Cities Investment Advisors guidance RB&T: Rockford Bank & Trust Company CSB: Community State Bank ROAA: Return on Average Assets C&I: Commercial and industrial ROACE: Return on Average Common Equity Dodd-Frank Act: Dodd-Frank Wall Street Reform and ROAE: Return on Average Equity Consumer Protection Act SBA: U.S. Small Business Administration DGCL: Delaware General Corporation Law SEC: Securities and Exchange Commission DIF: Deposit Insurance Fund SFC Bank: Springfield First Community Bank EPS: Earnings per share SERPs: Supplemental Executive Retirement Plans Exchange Act: Securities Exchange Act of 1934, as Springfield Bancshares: Springfield Bancshares, Inc. amended TA: Tangible assets FASB: Financial Accounting Standards Board Tax Act: Tax Cuts and Jobs Act FDIC: Federal Deposit Insurance Corporation TCE: Tangible common equity Federal Reserve: Board of Governors of the Federal Reserve TDRs: Troubled debt restructurings System TEY: Tax equivalent yield FHLB: Federal Home Loan Bank The Company: QCR Holdings, Inc. FICO: Financing Corporation Treasury: U.S. Department of the Treasury FRB: Federal Reserve Bank of Chicago USA Patriot Act: Uniting and Strengthening America by FTEs: Full-time equivalents Providing Appropriate Tools Required to Intercept GAAP: Generally Accepted Accounting Principles and Obstruct Terrorism Act of 2001 Guaranty: Guaranty Bankshares, Ltd. USDA: U.S. Department of Agriculture Guaranty Bank: Guaranty Bank and Trust Company Note 1. Nature of Business and Significant Account Policies (continued) Nature of business: QCR Holdings, Inc. is a bank holding company that has elected to operate as a financial holding company under the BHCA. The Company provides bank and bank-related services through its banking subsidiaries, QCBT, CRBT, CSB and SFC Bank. The Company also engages in direct financing lease contracts through its wholly-owned equity investment by QCBT in m2, headquartered in Milwaukee, Wisconsin. The Company also engages in wealth management services through its banking subsidiaries and its subsidiary, the Bates Companies, headquartered in Rockford, Illinois. On November 30, 2019, the Company sold substantially all of the assets and transferred substantially all of the deposits and certain other liabilities of the Company’s wholly-owned subsidiary, RB&T. On October 1, 2018, the Company acquired the Bates Companies, headquartered in Rockford, Illinois. On July 1, 2018, the Company merged with Springfield Bancshares, the holding company of SFC Bank, headquartered in Springfield, Missouri. On October 1, 2017 the Company acquired Guaranty Bank, headquartered in Cedar Rapids, Iowa, from Guaranty. On December 2, 2017, the Company merged Guaranty Bank with and into CRBT, with CRBT as the surviving bank. The financial results of RB&T prior to its sale are included in this report. The financial results of acquired/merged entities for the periods since acquisition/merger are included in this report. See Note 2 to the Consolidated Financial Statements for additional information. QCBT is a commercial bank that serves the Iowa and Illinois Quad Cities and adjacent communities. CRBT is a commercial bank that serves Cedar Rapids, Iowa, and adjacent communities including Cedar Falls and Waterloo, Iowa. CSB is a commercial bank that serves Des Moines, Iowa, and adjacent communities. SFC Bank is a commercial bank that serves Springfield, Missouri. QCBT, CRBT, and CSB are chartered and regulated under the laws of the state of Iowa. SFC Bank is chartered and regulated under the laws of the state of Missouri. All four subsidiary banks are insured and subject to regulation by the FDIC. All four subsidiary bank are members of and regulated by the Federal Reserve System. The remaining subsidiaries of the Company consist of six non-consolidated subsidiaries formed for the issuance of trust preferred securities. See Note 13 for a listing of these subsidiaries and additional information. Significant accounting policies: Accounting estimates : The preparation of financial statements, in conformity with GAAP, requires management to make estimates and assumptions that affect the reported amount of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance, OTTI of securities, impairment of goodwill, the fair value of financial instruments, and the fair value of assets acquired/liabilities assumed in a business combination. Principles of consolidation : The accompanying Consolidated Financial Statements include the accounts of the Company and its subsidiaries, except those six subsidiaries formed for the issuance of trust preferred securities which do not meet the criteria for consolidation. See Note 13 for a detailed listing of these subsidiaries. All material intercompany accounts and transactions have been eliminated in consolidation. Note 1. Nature of Business and Significant Account Policies (continued) Presentation of cash flows : For purposes of reporting cash flows, cash and due from banks include cash on hand and noninterest bearing amounts due from banks. Cash flows from federal funds sold, interest bearing deposits at financial institutions, loans/leases, deposits, short-term borrowings and overnight and short-term FHLB advances are treated as net increases or decreases. Cash and due from banks : The subsidiary banks are required by federal banking regulations to maintain certain cash and due from bank reserves. The reserve requirement was approximately $38,060,000 and $33,372,000 as of December 31, 2019 and 2018, respectively. Investment securities : Investment securities HTM are those debt securities that the Company has the ability and intent to hold until maturity regardless of changes in market conditions, liquidity needs, or changes in general economic conditions. Such securities are carried at cost adjusted for amortization of premiums and accretion of discounts. If the ability or intent to hold to maturity is not present for certain specified securities, such securities are considered AFS as the Company intends to hold them for an indefinite period of time but not necessarily to maturity. Any decision to sell a security classified as AFS would be based on various factors, including movements in interest rates, changes in the maturity mix of the Company’s assets and liabilities, liquidity needs, regulatory capital considerations, and other factors. Securities AFS are carried at fair value. Unrealized gains or losses, net of taxes, are reported as increases or decreases in AOCI. Realized gains or losses, determined on the basis of the cost of specific securities sold, are included in earnings. All debt securities are evaluated to determine whether declines in fair value below their amortized cost are other-than-temporary. In estimating OTTI losses on debt securities, management considers a number of factors including, but not limited to, (1) the length of time and extent to which the fair value has been less than amortized cost, (2) the financial condition and near-term prospects of the issuer, (3) the current market conditions, and (4) the lack of intent of the Company to sell the security prior to recovery and whether it is not more-likely-than-not that it will be required to sell the security prior to recovery. If the Company lacks the intent to sell the debt security, and it is not more-likely-than-not the entity will be required to sell the security before recovery of its amortized cost basis, the Company will recognize the credit component of an OTTI of a debt security in earnings and the remaining portion in other comprehensive income. For held to maturity debt securities, the amount of an OTTI recorded in other comprehensive income for the noncredit portion would be amortized prospectively over the remaining life of the security on the basis of the timing of future estimated cash flows of the security. Loans receivable, held for sale : Residential real estate loans which are originated and intended for resale in the secondary market in the foreseeable future are classified as held for sale. These loans are carried at the lower of cost or estimated market value in the aggregate. As assets specifically acquired for resale, the origination of, disposition of, and gain/loss on these loans are classified as operating activities in the statement of cash flows. Loans receivable, held for investment : Loans that management has the intent and ability to hold for the foreseeable future, or until pay-off or maturity occurs, are classified as held for investment. These loans are stated at the amount of unpaid principal adjusted for charge-offs, the allowance, and any deferred fees and/or costs on originated loans. Interest is credited to earnings as earned based on the principal amount outstanding. Deferred direct loan origination fees and/or costs are amortized as an adjustment of the related loan’s yield. As assets held for and used in the Note 1. Nature of Business and Significant Account Policies (continued) production of services, the origination and collection of these loans are classified as investing activities in the statement of cash flows. The Company discloses the allowance for credit losses (also known as the allowance) by portfolio segment, and credit quality information, impaired financing receivables, nonaccrual status, and TDRs by class of financing receivable. A portfolio segment is the level at which the Company develops and documents a systematic methodology to determine its allowance for credit losses. A class of financing receivable is a further disaggregation of a portfolio segment based on risk characteristics and the Company’s method for monitoring and assessing credit risk. See the following information and Note 4. The Company’s portfolio segments are as follows: · C&I · CRE · Residential real estate · Installment and other consumer Direct financing leases are considered a segment within the overall loan/lease portfolio. The Company’s classes of loans receivable are as follows: · C&I · Owner-occupied CRE · Commercial construction, land development, and other land loans that are not owner-occupied CRE · Other non-owner-occupied CRE · Residential real estate · Installment and other consumer Direct financing leases are considered a class of financing receivable within the overall loan/lease portfolio. The accounting policies for direct financing leases are disclosed below. Generally, for all classes of loans receivable, loans are considered past due when contractual payments are delinquent for 31 days or greater. For all classes of loans receivable, loans will generally be placed on nonaccrual status when the loan has become 90 days past due (unless the loan is well secured and in the process of collection); or if any of the following conditions exist: · It becomes evident that the borrower will not make payments, or will not or cannot meet the terms for renewal of a matured loan; · When full repayment of principal and interest is not expected; · When the loan is graded “doubtful”; · When the borrower files bankruptcy and an approved plan of reorganization or liquidation is not anticipated in the near future; or · When foreclosure action is initiated. Note 1. Nature of Business and Significant Account Policies (continued) When a loan is placed on nonaccrual status, income recognition is ceased. Previously recorded but uncollected amounts of interest on nonaccrual loans are reversed at the time the loan is placed on nonaccrual status. Generally, cash collected on nonaccrual loans is applied to principal. Should full collection of principal be expected, cash collected on nonaccrual loans can be recognized as interest income. For all classes of loans receivable, nonaccrual loans may be restored to accrual status provided the following criteria are met: · The loan is current, and all principal and interest amounts contractually due have been made; · All principal and interest amounts contractually due, including past due payments, are reasonably assured of repayment within a reasonable period; and · There is a period of minimum repayment performance, as follows, by the borrower in accordance with contractual terms: o Six months of repayment performance for contractual monthly payments, or o One year of repayment performance for contractual quarterly or semi-annual payments. Direct finance leases receivable, held for investment : The Company leases machinery and equipment to customers under leases that qualify as direct financing leases for financial reporting and as operating leases for income tax purposes. Under the direct financing method of accounting, the minimum lease payments to be received under the lease contract, together with the estimated unguaranteed residual values (approximately 3% to 25% of the cost of the related equipment), are recorded as lease receivables when the lease is signed and the lease property delivered to the customer. The excess of the minimum lease payments and residual values over the cost of the equipment is recorded as unearned lease income. Unearned lease income is recognized over the term of the lease on a basis that results in an approximate level rate of return on the unrecovered lease investment. Lease income is recognized on the interest method. Residual value is the estimated fair market value of the equipment on lease at lease termination. In estimating the equipment’s fair value at lease termination, the Company relies on historical experience by equipment type and manufacturer and, where available, valuations by independent appraisers, adjusted for known trends. The Company’s estimates are reviewed continuously to ensure reasonableness; however, the amounts the Company will ultimately realize could differ from the estimated amounts. If the review results in a lower estimate than had been previously established, a determination is made as to whether the decline in estimated residual value is other-than-temporary. If the decline in estimated unguaranteed residual value is judged to be other-than-temporary, the accounting for the transaction is revised using the changed estimate. The resulting reduction in the investment is recognized as a loss in the period in which the estimate is changed. An upward adjustment of the estimated residual value is not recorded. The policies for delinquency and nonaccrual for direct financing leases are materially consistent with those described above for all classes of loan receivables. The Company defers and amortizes fees and certain incremental direct costs over the contractual term of the lease as an adjustment to the yield. In periods prior to and including December 31, 2018, these initial direct leasing costs approximated 5.5% of the leased asset’s cost. With the adoption of ASU 2016-02 on January 1, 2019, a portion of these costs were expensed instead of deferred. Initial direct leasing costs were 3.9% of the leased asset’s cost in 2019. The unamortized direct costs are recorded as a reduction of unearned lease income. Note 1. Nature of Business and Significant Account Policies (continued) TDRs : TDRs exist when the Company, for economic or legal reasons related to the borrower’s/lessee’s financial difficulties, grants a concession (either imposed by court order, law, or agreement between the borrower/lessee and the Company) to the borrower/lessee that it would not otherwise consider. The Company attempts to maximize its recovery of the balances of the loans/leases through these various concessionary restructurings. The following criteria, related to granting a concession, together or separately, create a TDR: · A modification of terms of a debt such as one or a combination of: o The reduction of the stated interest rate to a rate lower than the current market rate for new debt with similar risk. o The extension of the maturity date or dates at a stated interest rate lower than the current market rate for new debt with similar risk. o The reduction of the face amount or maturity amount of the debt as stated in the instrument or other agreement. o The reduction of accrued interest. · A transfer from the borrower/lessee to the Company of receivables from third parties, real estate, other assets, or an equity position in the borrower to fully or partially satisfy a loan. · The issuance or other granting of an equity position to the Company to fully or partially satisfy a debt unless the equity position is granted pursuant to existing terms for converting the debt into an equity position. Allowance : For all portfolio segments, the allowance is established as losses are estimated to have occurred through a provision that is charged to earnings. Loan/lease losses, for all portfolio segments, are charged against the allowance when management believes the uncollectability of a loan/lease balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. For all portfolio segments, the allowance is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans/leases in light of historical experience, the nature and volume of the loan/lease portfolio, adverse situations that may affect the borrower’s/lessee’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. The loan/lease portfolio is reviewed and analyzed quarterly with specific detailed reviews completed on all credits risk-rated less than “fair quality” and carrying aggregate exposure in excess of $250 thousand. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. A discussion of the risk characteristics and the allowance by each portfolio segment follows: For C&I loans, the Company focuses on small and mid-sized businesses with primary operations as wholesalers, manufacturers, building contractors, business services companies, other banks, and retailers. The Company provides a wide range of C&I loans, including lines of credit for working capital and operational purposes, and term loans for the acquisition of facilities, equipment and other purposes. Approval is generally based on the following factors: · Ability and stability of current management of the borrower; · Stable earnings with positive financial trends; · Sufficient cash flow to support debt repayment; · Earnings projections based on reasonable assumptions; · Financial strength of the industry and business; and · Value and marketability of collateral. Note 1. Nature of Business and Significant Account Policies (continued) Collateral for C&I loans generally includes accounts receivable, inventory, equipment and real estate. The Company’s lending policy specifies approved collateral types and corresponding maximum advance percentages. The value of collateral pledged on loans must exceed the loan amount by a margin sufficient to absorb potential erosion of its value in the event of foreclosure and cover the loan amount plus costs incurred to convert it to cash. The Company’s lending policy specifies maximum term limits for C&I loans. For term loans, the maximum term is generally 7 years with average terms ranging from 3 to 5 years. For low-income housing tax credit permanent loans, the maximum term is generally up to 20 years. For lines of credit, the maximum term is generally 365 days. In addition, the Company often takes personal guarantees or cosigners to help assure repayment. Loans may be made on an unsecured basis if warranted by the overall financial condition of the borrower. CRE loans are subject to underwriting standards and processes similar to C&I loans, in addition to those standards and processes specific to real estate loans. Collateral for CRE loans generally includes the underlying real estate and improvements, and may include additional assets of the borrower. The Company’s lending policy specifies maximum loan-to-value limits based on the category of CRE (CRE loans on improved property, raw land, land development, and commercial construction). These limits are the same limits established by regulatory authorities. The Company’s lending policy also includes guidelines for real estate appraisals, including minimum appraisal standards based on certain transactions. In addition, the Company often takes personal guarantees to help assure repayment. In addition, management tracks the level of owner-occupied CRE loans versus non-owner occupied loans. Owner-occupied loans are generally considered to have less risk. As of December 31, 2019 and 2018, approximately 26% and 28%, respectively, of the CRE loan portfolio was owner-occupied. The Company’s lending policy incorporates regulatory guidelines which stipulate that non-owner occupied CRE lending in excess of 300% of total risk-based capital, and construction, land development, and other land loans in excess of 100% of total risk-based capital warrant the use of heightened risk management practices. As of December 31, 2019 and 2018, QCBT and CRBT were in compliance with these limits. Although CSB’s and SFC Bank’s loan portfolio have historically been real estate dominated and the real estate portfolio levels at each bank exceed these policy limits, a Credit Risk Committee has been established to routinely monitor its real estate loan portfolio. CSB’s real estate levels, while still elevated at December 31, 2019, have declined since December 31, 2018. In some instances for all loans/leases, it may be appropriate to originate or purchase loans/leases that are exceptions to the guidelines and limits established within the Company’s lending policy described above and below. In general, exceptions to the lending policy do not significantly deviate from the guidelines and limits established within the Company’s lending policy and, if there are exceptions, they are clearly noted as such and specifically identified in loan/lease approval documents. For C&I and CRE loans, the allowance consists of specific and general components. The specific component relates to loans that are classified as impaired, as defined below. For those loans that are classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan are lower than the carrying value of that loan. Note 1. Nature of Business and Significant Account Policies (continued) For C&I loans and all classes of CRE loans, a loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal and interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a case-by-case basis by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent. The general component consists of quantitative and qualitative factors and covers non-impaired loans. The quantitative factors are based on historical charge-off experience and expected loss given default derived from the Company’s internal risk rating process. See below for a detailed description of the Company’s internal risk rating scale. The qualitative factors are determined based on an assessment of internal and/or external influences on credit quality that are not fully reflected in the historical loss or risk rating data. For C&I and CRE loans, the Company utilizes the following internal risk rating scale: 1. Highest Quality (Pass) – loans of the highest quality with no credit risk, including those fully secured by subsidiary bank certificates of deposit and U.S. government securities. 2. Superior Quality (Pass) – loans with very strong credit quality. Borrowers have exceptionally strong earnings, liquidity, capital, cash flow coverage, and management ability. Includes loans secured by high quality marketable securities, certificates of deposit from other institutions, and cash value of life insurance. Also includes loans supported by U.S. government, state, or municipal guarantees. 3. Satisfactory Quality (Pass) – loans with satisfactory credit quality. Established borrowers with satisfactory financial condition, including credit quality, earnings, liquidity, capital and cash flow coverage. Management is capable and experienced. Collateral coverage and guarantor support, if applicable, are more than adequate. Includes loans secured by personal assets and business assets, including equipment, accounts receivable, inventory, and real estate. 4. Fair Quality (Pass) – loans with moderate but still acceptable credit quality. The primary repayment source remains adequate; however, management’s ability to maintain consistent profitability is unproven or uncertain. Borrowers exhibit acceptable leverage and liquidity. May include new businesses with inexperienced management or unproven performance records in relation to peer, or borrowers operating in highly cyclical or declining industries. 5. Early Warning (Pass) – loans where the borrowers have generally performed as agreed, however unfavorable financial trends exist or are anticipated. Earnings may be erratic, with marginal cash flow or declining sales. Borrowers reflect leveraged financial condition and/or marginal liquidity. Management may be new and a track record of performance has yet to be developed. Financial information may be incomplete, and reliance on secondary repayment sources may be increasing. Note 1. Nature of Business and Significant Account Policies (continued) 6. Special Mention – loans where the borrowers exhibit credit weaknesses or unfavorable financial trends requiring close monitoring. Weaknesses and adverse trends are more pronounced than Early Warning loans, and if left uncorrected, may jeopardize repayment according to the contractual terms. Currently, no loss of principal or interest is expected. Borrowers in this category have deteriorated to the point that it would be difficult to refinance with another lender. Special Mention should be assigned to borrowers in turnaround situations. This rating is intended as a transitional rating, therefore, it is generally not assigned to a borrower for a period of more than one year. 7. Substandard – loans which are inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if applicable. These loans have a well-defined weakness or weaknesses which jeopardize repayment according to the contractual terms. There is distinct loss potential if the weaknesses are not corrected. Includes loans with insufficient cash flow coverage which are collateral dependent, other real estate owned, and repossessed assets. 8. Doubtful – loans which have all the weaknesses inherent in a Substandard loan, with the added characteristic that existing weaknesses make full principal collection, on the basis of current facts, conditions and values, highly doubtful. The possibility of loss is extremely high, but because of pending factors, recognition of a loss is deferred until a more exact status can be determined. All doubtful loans will be placed on non-accrual, with all payments, including principal and interest, applied to principal reduction The Company has certain loans risk-rated 7 (substandard), which are not classified as impaired based on the facts of the credit. For these non-impaired and risk-rated 7 loans, the Company does not follow the same allowance methodology as it does for all other non-impaired, collectively evaluated loans. Rather, the Company performs a more detailed analysis including evaluation of the cash flow and collateral valuations. Based upon this evaluation, an estimate of the probable loss in this portfolio is collectively evaluated under ASC 450‑20. These non-impaired risk-rated 7 loans exist primarily in the C&I and CRE segments. For term C&I and CRE loans greater than $1,000,000, a loan review is required within 15 months of the most recent credit review. The review is completed in enough detail to, at a minimum, validate the risk rating. Additionally, the review shall include an analysis of debt service requirements, covenant compliance, if applicable, and collateral adequacy. The frequency of the review is generally accelerated for loans with poor risk ratings. The Company’s Loan Quality area performs a documentation review of a sampling of C&I and CRE loans, the primary purpose of which is to ensure the credit is properly documented and closed in accordance with approval authorities and conditions. A review is also performed by the Company’s Internal Audit Department of a sampling of C&I and CRE loans for proper documentation, according to an approved schedule. Validation of the risk rating is also part of Internal Audit’s review (performed by Internal Loan Review). Additionally, over the past several years, the Company has contracted an independent outside third party to review a sampling of C&I and CRE loans. Validation of the risk rating is part of this review as well. The Company leases machinery and equipment to C&I customers under direct financing leases. All lease requests are subject to the credit requirements and criteria as set forth in the lending/leasing policy. In all cases, a formal independent credit analysis of the lessee is performed. For direct financing leases, the allowance consists of specific and general components. Note 1. Nature of Business and Significant Account Policies (continued) The specific component relates to leases that are classified as imp

Note 2 - Sales_Mergers_Acquisit

Note 2 - Sales/Mergers/Acquisitions	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Sales/Mergers/Acquisitions	Note 2. Sales/Mergers/Acquisitions Sale of Assets and Liabilities of Rockford Bank & Trust On November 30, 2019, the Company sold substantially all of the assets and transferred substantially all of the deposits and certain other liabilities of the Company’s wholly-owned subsidiary, RB&T, to IB&T, a wholly-owned subsidiary of Heartland Financial USA, Inc., for a cash payment. The cash payment amount was 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. The Purchase Price Premium totaled $12.5 million and the total payment by IB&T to the Company at closing was $46.6 million. Note 2. Sales/Mergers/Acquisitions (continued) Assets and liabilities of RB&T sold are summarized as follows as of the date of closing: As of November 30, 2019 (dollars in thousands) ASSETS Cash and due from banks $ 3,973 Interest-bearing deposits at financial institutions 55,291 Securities held to maturity, at amortized cost 3,243 Securities available for sale, at fair value 21,874 Loans/leases receivable held for investment, net 357,931 Premises and equipment, net 5,612 Restricted investment securities 675 Other real estate owned, net 2,134 Other assets 3,228 Total assets sold $ 453,961 LIABILITIES Noninterest-bearing deposits $ 69,802 Interest-bearing deposits 331,486 Short-term borrowings 1,158 Federal Home Loan Bank advances 15,000 Other liabilities 2,241 Total liabilities sold $ 419,687 Net assets sold $ 34,274 Cash consideration received $ 46,560 Gain on sale of assets and liabilities $ 12,286 The Company retained certain assets, mainly comprised of BOLI, and certain liabilities, mainly comprised of deferred compensation and income tax accruals. These assets and liabilities totaling $12.0 million and $5.0 million, respectively, as of December 31, 2019, are expected to be liquidated by June 30, 2020 and are included within assets and liabilities held for sale on the consolidated balance sheets. Disposition costs related to the sale totaled $3.3 million and were comprised primarily of legal and accounting costs, costs in connection with the disposal of fixed assets and prepaids, personnel costs and IT deconversion costs related to the sale of RB&T. General – Mergers/Acquisitions The narrative in this subsection applies to all mergers and acquisitions detailed throughout this footnote. Loans acquired in a business combination are recorded and initially measured at their estimated fair value as of the acquisition date. Credit discounts are included in the determination of fair value. A third party valuation consultant assisted with the determination of fair value. Purchased loans are segregated into two categories: PCI loans and non-PCI (performing) loans. PCI loans are accounted for in accordance with ASC 310‑30, as they display significant credit deterioration since origination and it is probable, as of the acquisition date, that the Company will be unable to collect all contractually required payments from the borrower. Performing loans are accounted for in accordance with ASC 310‑20, as these loans do not have evidence of significant credit deterioration since origination and it is probable that the contractually required payments will be received from the borrower. For PCI loans, the difference between the contractually required payments at acquisition and the cash flows expected to be collected is referred to as the non-accretable discount. Further, any excess cash flows expected at acquisition over the estimated fair value is referred to as the accretable yield and is recognized in interest income over the expected Note 2. Sales/Mergers/Acquisitions (continued) remaining life of the loan. Subsequent to the purchase date, increases in cash flows over those expected at the purchase date are recognized as interest income prospectively. The present value of any decreases in expected cash flows after the purchase date is recognized by recording an allowance for loan and lease losses and provision for loan losses. For performing loans, the difference between the estimated fair value of the loans and the principal balance outstanding is accreted over the remaining life of the loans. Bates Companies On October 1, 2018, the Company acquired the Bates Companies, headquartered in Rockford, Illinois. The acquisition enhanced the wealth management services of the Company by adding approximately $704 million of assets under management at acquisition. In the acquisition, the Company acquired 100% of the Bates Companies’ outstanding common stock for aggregate consideration of $3.0 million cash and up to $3.0 million of the Company’s common stock. Of the total cash consideration, $1.5 million in cash was paid at closing funded through operating cash. The additional $1.5 million was recorded as a promissory note and will be repaid in five equal, annual installments of $300,000 each on the first through fifth anniversaries of the closing date. Interest will be paid at a rate of 2.18% per annum, based on the applicable federal rate as of the closing date. This $1.5 million promissory note is included in Other Liabilities on the Consolidated Balance Sheet. Additionally, in a private placement exempt from registration with the SEC, the Company issued 23,501 shares of Company stock in December 2018. Assuming all future performance based targets are met, total stock consideration can reach $3.0 million, which would result in the Company issuing approximately 47,003 additional common shares based on the 10-day volume weighted average of the closing stock price of the Company ending five days prior to closing. The contingent consideration for the additional common shares, totaling $2.0 million, as of December 31, 2018, is included in Other Liabilities on the Consolidated Balance Sheet. Required performance targets were met during 2019 and the Company issued 9,400 shares of common stock in December 2019 as described above. During 2018, the Company incurred $394 thousand of expenses related to the acquisition, comprised primarily of legal and accounting costs. The Company recorded a customer list intangible totaling $1.6 million which is the portion of the acquisition purchase price which represents the value assigned to the existing customer base. The customer list intangible has a finite life and is amortized over the estimated useful life of the customer base. The Company recorded goodwill totaling $3.7 million which is the excess of the consideration paid over the fair value of the net assets acquired. This goodwill is not deductible for tax purposes. See Note 6 to the Consolidated Financial Statements for additional information. The Company accounted for the business combination under the acquisition method of accounting in accordance with ASC 805. The Company recognized the full fair value of the assets acquired and liabilities assumed at the acquisition date, net of applicable income tax effects. The Company considers all purchase accounting adjustments as provisional and fair values are subject to refinement for up to one year after the closing date. Note 2. Sales/Mergers/Acquisitions (continued) Unaudited pro forma combined operating results for the years ended December 31, 2018 and 2017, giving effect to the Bates Companies acquisition as if it had occurred as of January 1, 2017, are as follows: For the Year Ended December 31, 2018 2017 (dollars in thousands, except per share data) Net interest income $ 142,368 $ 116,029 Noninterest income $ 44,455 $ 33,044 Net income $ 44,032 $ 35,627 Earnings per common share: Basic $ 2.98 $ 2.67 Diluted $ 2.92 $ 2.60 The pro forma results do not purport to be indicative of the results of operations that actually would have resulted had the acquisition occurred on January 1, 2017 or of future results of operations of the consolidated entities. Springfield Bancshares, Inc. On July 1, 2018, the Company merged with Springfield Bancshares, the holding company of SFC Bank, headquartered in Springfield, Missouri. The Company acquired 100% of Springfield Bancshares common stock in the merger. SFC Bank is a Missouri-chartered bank that operates one location in the Springfield, Missouri market. As a result of the transaction, SFC Bank became an independent charter of the Company. The merger with Springfield Bancshares allowed the Company to enter the Springfield, Missouri market which is consistent with the Company’s strategic plan to selectively acquire other high-performing financial institutions in vibrant mid-sized metropolitan markets with a high concentration of commercial clients. Financial metrics related to the transaction were favorable, as measured by EPS and ROAA accretion. Stockholders of Springfield Bancshares received 0.3060 shares of the Company’s common stock and $1.50 in cash in exchange for each common share of Springfield Bancshares held. On June 29, 2018, the last trading date before the closing, the Company’s common stock closed at $47.45, resulting in stock consideration valued at $80.6 million and total consideration paid by the Company of $89.0 million. To help fund the cash portion of the purchase price, on June 29, 2018, the Company borrowed $4.1 million on its existing $10.0 million revolving line of credit. The Company also borrowed $4.9 million on this same revolving line of credit to fund the repayment of certain debt assumed in the merger shortly after closing. This note is included within Other Borrowings on the Consolidated Balance Sheets. The remaining cash consideration paid to the shareholders of Springfield Bancshares came from operating cash. The Company accounted for the business combination under the acquisition method of accounting in accordance with ASC 805. The Company recognized the full fair value of the assets acquired and liabilities assumed at the merger date, net of applicable income tax effects. The Company considers all purchase accounting adjustments as provisional and fair values are subject to refinement for up to one year after the closing date. The excess of the consideration paid over the fair value of the net assets acquired is recorded as goodwill. This goodwill is not deductible for tax purposes. During the fourth quarter of 2018, various measurement period adjustments were made. The result of these adjustments was an increase to goodwill of $447 thousand. Note 2. Sales/Mergers/Acquisitions (continued) The fair values of the assets acquired and liabilities assumed, after measurement period adjustments to date, including the consideration paid and resulting goodwill is as follows. As of July 1, 2018 (dollars in thousands) ASSETS Cash and due from banks $ 4,586 Interest-bearing deposits at financial institutions 62,924 Securities 4,845 Loans/leases receivable, net 477,337 Bank-owned life insurance 7,092 Premises and equipment 6,092 Restricted investment securities 3,654 Intangibles 8,209 Other assets 1,471 Total assets acquired $ 576,210 LIABILITIES Deposits $ 439,579 Short-term borrowings 1,143 FHLB advances 74,539 Other borrowings 9,544 Other liabilities 8,409 Total liabilities assumed $ 533,214 Net assets acquired $ 42,996 CONSIDERATION PAID: Cash $ 8,334 Common stock 80,637 Total consideration paid $ 88,971 Goodwill $ 45,975 The following table presents the purchased loans as of the merger date: PCI Performing Loans Loans Total (dollars in thousands) Contractually required principal payments $ 7,553 $ 479,440 $ 486,993 Nonaccretable discount (1,563) — (1,563) Principal cash flows expected to be collected $ 5,990 $ 479,440 $ 485,430 Accretable discount (293) (7,800) (8,093) Fair Value of acquired loans $ 5,697 $ 471,640 $ 477,337 Changes in accretable yield for the loans acquired are as follows: Year ended December 31, 2019 PCI Performing Loans Loans Total (dollars in thousands) Balance at the beginning of the period $ (659) $ (5,849) $ (6,508) Reclassification of nonaccretable discount to accretable (159) — (159) Accretion recognized 767 2,325 3,092 Balance at the end of the period $ (51) $ (3,524) $ (3,575) For the year ended December 31, 2018 PCI Performing Loans Loans Total Balance at the beginning of the period $ — $ — $ — Discount added at acquisition (293) (7,800) (8,093) Reclassification of nonaccretable discount to accretable (892) — (892) Accretion recognized 526 1,951 2,477 Balance at the end of the period $ (659) $ (5,849) $ (6,508) Note 2. Sales/Mergers/Acquisitions (continued) During 2019, there was no nonaccretable discount that was recognized due to the repayment of PCI loans. However, $159 thousand of nonaccretable discount was reclassified to accretable due to significant improvement on one specific credit subsequent to the merger date. Of this amount, $153 thousand was accreted to income in 2019, while the remainder will be accreted over the next 8 months, which is the remaining contractual life of the loan. During 2018, there was no nonaccretable discount that was recognized due to the repayment of PCI loans. However, $892 thousand of nonaccretable discount was reclassified to accretable during the third quarter of 2018 due to significant improvement on one specific credit subsequent to the merger date. Of this amount, $396 thousand was accreted to income in 2018, while the remainder will be accreted over the next 8 months, which is the remaining contractual life of the loan. Premises and equipment acquired with a fair value of $6.1 million includes one branch location. The fair value was determined with the assistance of a third party appraiser. The buildings and building write-ups will be recognized in depreciation expense over 39 years. The Company recorded a core deposit intangible totaling $8.2 million which is the portion of the merger purchase price which represents the value assigned to the existing deposit base. The core deposit intangible has a finite life and is amortized using an accelerated method over the estimated useful life of the deposits (estimated to be ten years). See Note 6 to the Consolidated Financial Statements for additional information. FHLB advances and other borrowings assumed with a fair value of $84.1 million included $40.0 million in overnight FHLB advances, $34.5 million of FHLB term advances, $4.7 million in subordinated debentures and a $4.8 million bank stock loan. The $4.8 million bank stock loan was paid off immediately after the merger date on July 2, 2018, at its book value. See Note 10 and 11 to the Consolidated Financial Statements for additional information. During 2018, the Company incurred $1.4 million of expenses related to the merger comprised primarily of legal, accounting, and investment banking costs. These costs are presented on their own line within the consolidated statements of income. SFC Bank results are included in the consolidated statements of income effective on the merger date. For the period July 1, 2018 to December 31, 2018, SFC Bank reported revenues of $15.2 million and net income of $4.8 million, which included $391 thousand of after tax post-acquisition, compensation, transition and integration costs. Unaudited pro forma combined operating results for the years ended December 31, 2018 and 2017, giving effect to the merger with Springfield Bancshares as if it had occurred as of January 1, 2017, are as follows: For the Year Ended December 31, 2018 2017 (dollars in thousands, except per share data) Net interest income $ 153,229 $ 136,190 Noninterest income $ 42,538 $ 32,395 Net income $ 49,542 $ 42,316 Earnings per common share: Basic $ 3.17 $ 2.82 Diluted $ 3.11 $ 2.75 The pro forma results do not purport to be indicative of the results of operations that actually would have resulted had the merger occurred on January 1, 2017 or of future results of operations of the consolidated entities. Note 2. Sales/Mergers/Acquisitions (continued) Guaranty Bank and Trust On October 1, 2017 the Company acquired Guaranty Bank, headquartered in Cedar Rapids, Iowa, from Guaranty. Guaranty Bank is an Iowa-chartered bank that operates five banking locations throughout the Cedar Rapids metropolitan area. The acquisition of Guaranty Bank allowed the Company to grow its market share in the Cedar Rapids market. Guaranty Bank has a strong core deposit base and retail franchise. Although Guaranty already had strong earnings, the Company has identified several opportunities for enhanced future earnings performance. Lastly, financial metrics related to the transaction were favorable, as measured by EPS accretion, ROAA accretion and earn back of tangible book value dilution. In the acquisition, the Company acquired 100% of Guaranty Bank’s outstanding common stock and purchased certain assets and assumed certain liabilities of Guaranty for aggregate consideration consisting of 79% QCR Holdings common stock (678,670 shares) and 21% cash ($7.8 million). On September 29, 2017, the last trading date before the closing, the Company’s common stock closed at $45.50, resulting in stock consideration valued at $30.9 million and total consideration paid by the Company of $38.7 million. To help fund the cash portion of the purchase price, on September 27, 2017, the Company executed a $7.0 million four-year term note with principal and interest due quarterly. See further information in Note 11. This note is included within other borrowings on the December 31, 2017 Consolidated Balance Sheets. The remaining cash consideration paid to Guaranty came from operating cash. The Company accounted for the business combination under the acquisition method of accounting in accordance with ASC 805. The Company recognized the full fair value of the assets acquired and liabilities assumed at the acquisition date, net of applicable income tax effects. The Company considers all purchase accounting adjustments to be finalized. The excess of the consideration paid over the fair value of the net assets acquired is recorded as goodwill. This goodwill is deductible over 15 years for tax purposes. The Company has several areas of specialization, including government guaranteed lending, C&I lending, interest rate swaps, leasing, wealth management, private banking and municipal bond offerings that will be offered in this expanded market, increasing future earnings potential. Guaranty Bank has a strong core deposit base. There is also value added to the Company through having an expanded footprint in a market that has strong growth potential. The experience and value of the personnel at Guaranty Bank and their knowledge of the expanded market is also beneficial. On December 2, 2017, the Company merged Guaranty Bank with and into CRBT, with CRBT as the surviving bank. As part of the merger, the Guaranty Bank branches located at 302 3 rd Avenue SE, Cedar Rapids, Iowa and 1819 42 nd Street NE, Cedar Rapids, Iowa, permanently closed. The three remaining Guaranty Bank branches have become banking offices of CRBT. Note 2. Sales/Mergers/Acquisitions (continued) The fair values of the assets acquired and liabilities assumed including the consideration paid and resulting goodwill is as follows: As of October 1, 2017 (dollars in thousands) ASSETS Cash and due from banks $ 4,435 Interest-bearing deposits at financial institutions 3,954 Securities 49,703 Loans/leases receivable, net 192,518 Premises and equipment 4,808 Restricted investment securities 477 Core deposit intangible 2,698 Other assets 998 Total assets acquired $ 259,591 LIABILITIES Deposits $ 212,468 Short-term borrowings 13,102 FHLB advances 4,108 Junior subordinated debentures 3,857 Other liabilities 2,596 Total liabilities assumed $ 236,131 Net assets acquired $ 23,460 CONSIDERATION PAID: Cash $ 7,803 Common stock 30,880 Total consideration paid $ 38,683 Goodwill $ 15,223 The following table presents the purchased loans as of the acquisition date: PCI Performing Loans Loans Total (dollars in thousands) Contractually required principal payments $ 3,126 $ 192,983 $ 196,109 Nonaccretable discount (1,147) — (1,147) Principal cash flows expected to be collected $ 1,979 $ 192,983 $ 194,962 Accretable discount (220) (2,224) (2,444) Fair Value of acquired loans $ 1,759 $ 190,759 $ 192,518 Note 2. Sales/Mergers/Acquisitions (continued) Changes in accretable yield for the loans acquired are as follows: For the year ended December 31, 2019 PCI Performing Loans Loans Total (dollars in thousands) Balance at the beginning of the period $ (8) $ (1,613) $ (1,621) Reclassification of nonaccretable discount to accretable (5) — (5) Accretion recognized 7 518 525 Balance at the end of the period $ (6) $ (1,095) $ (1,101) For the year ended December 31, 2018 PCI Performing Loans Loans Total (dollars in thousands) Balance at the beginning of the period $ (166) $ (2,197) $ (2,363) Accretion recognized 158 584 742 Balance at the end of the period $ (8) $ (1,613) $ (1,621) For the year ended December 31, 2017 PCI Performing Loans Loans Total (dollars in thousands) Balance at the beginning of the period $ (220) $ (2,224) $ (2,444) Accretion recognized 54 27 81 Balance at the end of the period $ (166) $ (2,197) $ (2,363) During 2018 and 2017, there was also $137 thousand and $158 thousand, respectively, of nonaccretable discount that was recognized due to the repayment of PCI loans. Premises and equipment acquired with a fair value of $4.8 million includes five branch locations with a fair value of $4.6 million. The fair value was determined with the assistance of a third party appraiser. The buildings and related fair value adjustments will be recognized in depreciation expense over 39 years. The Company recorded a core deposit intangible totaling $2.7 million which is the portion of the acquisition purchase price which represents the value assigned to the existing deposit base. The core deposit intangible has a finite life and is amortized using an accelerated method over the estimated useful life of the deposits (estimated to be ten years). See Note 6 to the Consolidated Financial Statements for additional information. During 2017, the Company incurred $805 thousand of expenses related to the acquisition, comprised primarily of legal, accounting and investment banking costs. These acquisition costs are presented on their own line within the consolidated statements of income. Also during 2017, the Company incurred $3.1 million of post-acquisition expenses, comprised primarily of personnel costs, IT integration, and conversion costs. Guaranty Bank results are included in the consolidated statements of income effective on the acquisition date. Note 2. Sales/Mergers/Acquisitions (continued) Unaudited pro forma combined operating results for the years ended December 31, 2017 and 2016, giving effect to the Guaranty Bank acquisition as if it had occurred as of January 1, 2016, are as follows: Year Ended December 31, 2017 2016 (dollars in thousands, except per share data) Net interest income $ 122,923 $ 102,902 Noninterest income $ 32,703 $ 34,238 Net income $ 38,728 $ 27,103 Earnings per common share: Basic $ 2.80 $ 2.05 Diluted $ 2.73 $ 2.02 The pro forma results do not purport to be indicative of the results of operations that actually would have resulted had the acquisition occurred on January 1, 2016 or of future results of operations of the consolidated entities.

Note 3 - Investment Securities

Note 3 - Investment Securities	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Investment Securities	Note 3. Investment Securities The amortized cost and fair value of investment securities as of December 31, 2019 and 2018 are summarized as follows: Gross Gross Amortized Unrealized Unrealized Fair Cost Gains (Losses) Value (dollars in thousands) December 31, 2019: Securities HTM: Municipal securities $ 399,596 $ 26,042 $ (143) $ 425,495 Other securities 1,050 — — 1,050 $ 400,646 $ 26,042 $ (143) $ 426,545 Securities AFS: U.S. govt. sponsored agency securities $ 19,872 $ 283 $ (77) $ 20,078 Residential mortgage-backed and related securities 118,724 2,045 (182) 120,587 Municipal securities 46,659 1,602 (4) 48,257 Other securities 21,707 138 (72) 21,773 $ 206,962 $ 4,068 $ (335) $ 210,695 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 Note 3. Investment Securities (continued) The Company’s HTM municipal securities consist largely of private issues of municipal debt. The municipalities are located primarily 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 commercial 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 December 31, 2019 and 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) December 31, 2019: Securities HTM: Municipal securities $ 509 $ (1) $ 10,047 $ (142) $ 10,556 $ (143) Other securities 550 — — — 550 — $ 1,059 $ (1) $ 10,047 $ (142) $ 11,106 $ (143) Securities AFS: U.S. govt. sponsored agency securities $ 1,431 $ (21) $ 2,117 $ (56) $ 3,548 $ (77) Residential mortgage-backed and related securities 2,263 (17) 17,862 (165) 20,125 (182) Municipal securities — — 724 (4) 724 (4) Other securities 17,135 (72) — — 17,135 (72) $ 20,829 $ (110) $ 20,703 $ (225) $ 41,532 $ (335) 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 December 31, 2019, the investment portfolio included 541 securities. Of this number, 35 securities were in an unrealized loss position. The aggregate losses of these securities totaled approximately 0.1% of the total aggregate amortized cost. Of these 35 securities, 20 securities had an unrealized loss for 12 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 years ended December 31, 2019, 2018 or 2017. Note 3. Investment Securities (continued) All sales of securities for the years ended December 31, 2019, 2018 and 2017, respectively, were from securities identified as AFS. Information on proceeds received, as well as the gains and losses from the sale of those securities are as follows: 2019 2018 2017 (dollars in thousands) Proceeds from sales of securities $ 30,055 $ 1,938 $ 71,092 Gross gains from sales of securities 176 — 67 Gross losses from sales of securities (206) — (155) The amortized cost and fair value of securities as of December 31, 2019, by contractual maturity are shown below. Expected maturities of mortgage-backed and related securities may differ from contractual maturities because the mortgages underlying the securities may be called or prepaid without any penalties. Therefore, these securities are not included in the maturity categories in the following summary. Amortized Cost Fair Value (dollars in thousands) Securities HTM: Due in one year or less $ 3,220 $ 3,234 Due after one year through five years 33,088 33,865 Due after five years 364,338 389,446 $ 400,646 $ 426,545 Securities AFS: Due in one year or less $ 1,084 $ 1,084 Due after one year through five years 17,089 17,320 Due after five years 70,065 71,704 88,238 90,108 Residential mortgage-backed and related securities 118,724 120,587 $ 206,962 $ 210,695 Portions of the U.S. government sponsored agencies and municipal securities contain call options, at the discretion of the issuer, to terminate the security at predetermined dates prior to the stated maturity, summarized as follows: Amortized Cost Fair Value (dollars in thousands) Securities HTM: Municipal securities $ 182,653 $ 186,631 Securities AFS: Municipal securities 39,674 40,990 Other securities 4,500 4,638 $ 44,174 $ 45,628 Note 3. Investment Securities (continued) As of December 31, 2019 and 2018, investment securities with a carrying value of $1 13.3 million and $10 0.9 million, respectively, were pledged on FHLB advances, customer and wholesale repurchase agreements, derivative liabilities and for other purposes as required or permitted by law. As of December 31, 2019, the Company’s municipal securities portfolios were comprised of general obligation bonds issued by 93 issuers with fair values totaling $ 77.2 million and revenue bonds issued by 154 issuers, primarily consisting of states, counties, towns, villages and school districts with fair values totaling $396.6 million. The Company held investments in general obligation bonds in 22 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 6 states in which the aggregate fair value exceeded $5.0 million. The Company held investments in revenue bonds in 19 states, including 7 states in which the aggregate fair value exceeded $5.0 million. As of December 31, 2019 and 2018, the Company held revenue bonds of one single issuer, located in Ohio, the aggregate book or market value of which 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 risk rating of 2, indicating very high quality. Additionally, many of these bonds are funding essential municipal services (water, sewer, education, medical facilities). The Company’s municipal securities are owned by each of the four charters, whose investment policies set forth limits for various subcategories within the municipal securities portfolio. Each charter is monitored individually and as of December 31, 2019, all were well-within policy limitations approved by the board of directors. Policy limits are calculated as a percentage of total risk-based capital. As of December 31, 2019, the Company’s standard monitoring of its municipal securities portfolio had not uncovered any facts or circumstances resulting in significantly different credits 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	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Loans/Leases Receivable	Note 4. Loans/Leases Receivable The composition of the loan/lease portfolio as of December 31, 2019 and 2018 is presented as follows: 2019 2018 (dollars in thousands) C&I loans * $ 1,507,825 $ 1,429,410 CRE loans Owner-occupied CRE 443,989 500,654 Commercial construction, land development, and other land 378,797 236,787 Other non owner-occupied CRE 913,610 1,028,670 1,736,396 1,766,111 Direct financing leases ** 87,869 117,969 Residential real estate loans *** 239,904 290,759 Installment and other consumer loans 109,352 119,381 3,681,346 3,723,630 Plus deferred loan/lease origination costs, net of fees 8,859 9,124 3,690,205 3,732,754 Less allowance (36,001) (39,847) $ 3,654,204 $ 3,692,907 ** Direct financing leases: Net minimum lease payments to be received $ 97,025 $ 130,371 Estimated unguaranteed residual values of leased assets 547 828 Unearned lease/residual income (9,703) (13,230) 87,869 117,969 Plus deferred lease origination costs, net of fees 1,892 3,642 89,761 121,611 Less allowance (1,464) (1,792) $ 88,297 $ 119,819 * Includes equipme nt financing agreements outstanding at m2, totaling $ 142.0 million and $103.4 million as of December 31, 2019 and 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 and 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. At December 31, 2019, the Company had six leases remaining with residual values totaling $ 547 thousand that were not protected with a lease end options rider. At December 31, 2018, the Company had nine leases remaining with residual values totaling approximately $828 thousand that were not protected with a lease end options rider. Management has performed specific evaluations of these unguaranteed residual values and determined that the valuations are appropriate. There were no losses related to unguaranteed residual values during the years ended December 31, 2019, 2018, and 2017. ***Includes residential real estate loans held for sale totaling $ 3.7 million and $1.3 million as of December 31, 2019 and 2018, respectively. Note 4. Loans/Leases Receivable (continued) Changes in accretable yield for the loans acquired in the mergers and acquisitions are as follows: For the year ended December 31, 2019 PCI Performing Loans Loans Total (dollars in thousands) Balance at the beginning of the period $ (667) $ (10,127) $ (10,794) Reclassification of nonaccretable discount to accretable (275) — (275) Accretion recognized 885 3,749 4,634 Balance at the end of the period $ (57) $ (6,378) $ (6,435) For the year ended December 31, 2018 PCI Performing Loans Loans Total (dollars in thousands) Balance at the beginning of the period $ (191) $ (6,280) $ (6,471) Discount added at acquisition (293) (7,800) (8,093) Reclassification of nonaccretable discount to accretable (892) (470) (1,362) Accretion recognized 709 4,423 5,132 Balance at the end of the period $ (667) $ (10,127) $ (10,794) For the year ended December 31, 2017 PCI Performing Loans Loans Total (dollars in thousands) Balance at the beginning of the period $ (194) $ (9,116) $ (9,310) Discount added at acquisition (220) (2,224) (2,444) Accretion recognized 223 5,060 5,283 Balance at the end of the period $ (191) $ (6,280) $ (6,471) Note 4. Loans/Leases Receivable (continued) The aging of the loan/lease portfolio by classes of loans/leases as of December 31, 2019 and 2018 is presented as follows: 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 $ 1,499,891 $ 6,126 $ 572 $ — $ 1,236 $ 1,507,825 CRE Owner-Occupied CRE 443,707 177 71 — 34 443,989 Commercial Construction, Land Development, and Other Land 375,940 2,857 — — — 378,797 Other Non Owner-Occupied CRE 909,684 73 — — 3,853 913,610 Direct Financing Leases 85,636 463 253 — 1,517 87,869 Residential Real Estate 235,845 2,939 414 — 706 239,904 Installment and Other Consumer 108,750 3 10 33 556 109,352 $ 3,659,453 $ 12,638 $ 1,320 $ 33 $ 7,902 $ 3,681,346 As a percentage of total loan/lease portfolio 99.41 % 0.34 % 0.04 % 0.00 % 0.21 % 100.00 % 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 % Note 4. Loans/Leases Receivable (continued) NPLs by classes of loans/leases as of December 31, 2019 and 2018 is presented as follows: 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 $ — $ 1,236 $ 646 $ 1,882 21.12 % CRE Owner-Occupied CRE — 34 — 34 0.38 % Commercial Construction, Land Development, and Other Land — — — — - % Other Non Owner-Occupied CRE — 3,853 — 3,853 43.22 % Direct Financing Leases — 1,517 333 1,850 20.75 % Residential Real Estate — 706 — 706 7.92 % Installment and Other Consumer 33 556 — 589 6.61 % $ 33 $ 7,902 $ 979 $ 8,914 100.00 % * At December 31, 2019, nonaccrual loans/leases included $747 thousand of TDRs, including $98 thousand in C&I loans, $269 thousand in CRE loans, $294 t housand in direct financing leases, $31 thousand in residential real estate loans, and $55 thousand in installment loans. 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 2,985 8,507 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 $ 3,659 $ 18,551 100.00 % * At 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. ** At December 31, 2018, 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. Note 4. Loans/Leases Receivable (continued) Changes in the allowance by portfolio segment for the years ended December 31, 2019, 2018, and 2017 are presented as follows: Year Ended December 31, 2019 Direct Financing Residential Real Installment and C&I CRE Leases Estate Other Consumer Total (dollars in thousands) Balance, beginning $ 16,420 $ 17,719 $ 1,792 $ 2,557 $ 1,359 $ 39,847 Reclassification of allowance related to held for sale loans (2,814) (2,392) — (628) (288) (6,122) Provisions charged to expense * 3,666 1,566 1,129 163 114 6,638 Loans/leases charged off (1,476) (1,722) (1,647) (191) (98) (5,134) Recoveries on loans/leases previously charged off 276 208 190 47 51 772 Balance, ending $ 16,072 $ 15,379 $ 1,464 $ 1,948 $ 1,138 $ 36,001 *Excludes provision related to loans included in assets held for sale during the year of $428 thousand for the year ending December 31, 2019. Year Ended December 31, 2018 Direct Financing Residential Real Installment and C&I CRE Leases Estate Other Consumer Total (dollars in thousands) Balance, beginning $ 14,323 $ 13,963 $ 2,382 $ 2,466 $ 1,222 $ 34,356 Provisions charged to expense 7,161 4,094 1,068 193 142 12,658 Loans/leases charged off (5,359) (387) (2,002) (127) (44) (7,919) Recoveries on loans/leases previously charged off 295 49 344 25 39 752 Balance, ending $ 16,420 $ 17,719 $ 1,792 $ 2,557 $ 1,359 $ 39,847 Year Ended December 31, 2017 Direct Financing Residential Real Installment and C&I CRE Leases Estate Other Consumer Total (dollars in thousands) Balance, beginning $ 12,545 $ 11,671 $ 3,112 $ 2,342 $ 1,087 $ 30,757 Provisions charged to expense 2,736 4,044 1,370 197 123 8,470 Loans/leases charged off (1,150) (1,795) (2,285) (102) (41) (5,373) Recoveries on loans/leases previously charged off 192 43 185 29 53 502 Balance, ending $ 14,323 $ 13,963 $ 2,382 $ 2,466 $ 1,222 $ 34,356 Note 4. Loans/Leases Receivable (continued): The allowance by impairment evaluation and by portfolio segment as of December 31, 2019 and 2018 is presented as follows: 2019 Direct Financing Residential Real Installment and C&I CRE Leases Estate Other Consumer Total (dollars in thousands) Allowance for impaired loans/leases $ 170 $ 125 $ 270 $ 15 $ 80 $ 660 Allowance for nonimpaired loans/leases 15,902 15,254 1,194 1,933 1,058 35,341 $ 16,072 $ 15,379 $ 1,464 $ 1,948 $ 1,138 $ 36,001 Impaired loans/leases $ 1,846 $ 3,585 $ 2,025 $ 649 $ 556 $ 8,661 Nonimpaired loans/leases 1,505,979 1,732,811 85,844 239,255 108,796 3,672,685 $ 1,507,825 $ 1,736,396 $ 87,869 $ 239,904 $ 109,352 $ 3,681,346 Allowance as a percentage of impaired loans/leases 9.21 % 3.49 % 13.33 % 2.31 % 14.39 % 7.62 % Allowance as a percentage of nonimpaired loans/leases 1.06 % 0.88 % 1.39 % 0.81 % 0.97 % 0.96 % Total allowance as a percentage of total loans/leases 1.07 % 0.89 % 1.67 % 0.81 % 1.04 % 0.98 % 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 % Note 4. Loans/Leases Receivable (continued) Loans/leases, by classes of financing receivable, considered to be impaired as of and for the years ended December 31, 2019, 2018, and 2017 are presented 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. 2019 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 $ 1,607 $ 1,647 $ — $ 970 $ 27 $ 27 CRE Owner-Occupied CRE 34 50 — 24 — — Commercial Construction, Land Development, and Other Land — — — — — — Other Non Owner-Occupied CRE 684 686 — 738 29 29 Direct Financing Leases 1,642 1,642 — 1,322 30 30 Residential Real Estate 469 614 — 481 — — Installment and Other Consumer 476 476 — 474 — — $ 4,912 $ 5,115 $ — $ 4,009 $ 86 $ 86 Impaired Loans/Leases with Specific Allowance Recorded: C&I $ 239 $ 239 $ 170 $ 124 $ — $ — CRE Owner-Occupied CRE — — — — — — Commercial Construction, Land Development, and Other Land — — — — — — Other Non Owner-Occupied CRE 2,867 2,867 125 1,958 — — Direct Financing Leases 383 383 270 196 2 2 Residential Real Estate 180 180 15 72 — — Installment and Other Consumer 80 80 80 62 — — $ 3,749 $ 3,749 $ 660 $ 2,412 $ 2 $ 2 Total Impaired Loans/Leases: C&I $ 1,846 $ 1,886 $ 170 $ 1,094 $ 27 $ 27 CRE Owner-Occupied CRE 34 50 — 24 — — Commercial Construction, Land Development, and Other Land — — — — — — Other Non Owner-Occupied CRE 3,551 3,553 125 2,696 29 29 Direct Financing Leases 2,025 2,025 270 1,518 32 32 Residential Real Estate 649 794 15 553 — — Installment and Other Consumer 556 556 80 536 — — $ 8,661 $ 8,864 $ 660 $ 6,421 $ 88 $ 88 Note 4. Loans/Leases Receivable (continued) 2018 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 $ 1,846 $ 4,540 $ — $ 2,346 $ 210 $ 210 CRE Owner-Occupied CRE 106 106 — 107 — — Commercial Construction, Land Development, and Other Land 507 507 — 101 — — Other Non Owner-Occupied CRE 1,804 1,804 — 540 — — Direct Financing Leases 1,929 1,929 — 2,193 60 60 Residential Real Estate 984 1,058 — 723 9 9 Installment and Other Consumer 762 762 — 198 — — $ 7,938 $ 10,706 $ — $ 6,208 $ 279 $ 279 Impaired Loans/Leases with Specific Allowance Recorded: C&I $ 2,653 $ 2,653 $ 973 $ 1,118 $ 43 $ 43 CRE Owner-Occupied CRE 304 660 39 177 — — Commercial Construction, Land Development, and Other Land 149 149 33 159 — — Other Non Owner-Occupied CRE 7,577 7,577 2,052 3,055 58 58 Direct Financing Leases 320 320 194 273 — — Residential Real Estate 1,126 1,126 257 553 12 12 Installment and Other Consumer 136 136 111 125 — — $ 12,265 $ 12,621 $ 3,659 $ 5,460 $ 113 $ 113 Total Impaired Loans/Leases: C&I $ 4,499 $ 7,193 $ 973 $ 3,464 $ 253 $ 253 CRE Owner-Occupied CRE 410 766 39 284 — — Commercial Construction, Land Development, and Other Land 656 656 33 260 — — Other Non Owner-Occupied CRE 9,381 9,381 2,052 3,595 58 58 Direct Financing Leases 2,249 2,249 194 2,466 60 60 Residential Real Estate 2,110 2,184 257 1,276 21 21 Installment and Other Consumer 898 898 111 323 — — $ 20,203 $ 23,327 $ 3,659 $ 11,668 $ 392 $ 392 Note 4. Loans/Leases Receivable (continued) 2017 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 $ 1,634 $ 1,645 $ — $ 1,406 $ 71 $ 71 CRE Owner-Occupied CRE 289 289 — 79 12 12 Commercial Construction, Land Development, and Other Land — — — — — — Other Non Owner-Occupied CRE 1,172 1,172 — 1,177 — — Direct Financing Leases 2,945 2,945 — 2,880 132 132 Residential Real Estate 943 1,018 — 686 1 1 Installment and Other Consumer 134 134 — 126 — — $ 7,117 $ 7,203 $ — $ 6,354 $ 216 $ 216 Impaired Loans/Leases with Specific Allowance Recorded: C&I $ 4,615 $ 4,618 $ 716 $ 4,584 $ 203 $ 203 CRE Owner-Occupied CRE 152 152 48 221 — — Commercial Construction, Land Development, and Other Land 4,844 4,844 1,379 4,448 — — Other Non Owner-Occupied CRE 72 72 2 45 — — Direct Financing Leases 725 725 504 625 — — Residential Real Estate 761 761 355 549 15 15 Installment and Other Consumer 68 68 39 41 1 1 $ 11,237 $ 11,240 $ 3,043 $ 10,513 $ 219 $ 219 Total Impaired Loans/Leases: C&I $ 6,249 $ 6,263 $ 716 $ 5,990 $ 274 $ 274 CRE Owner-Occupied CRE 441 441 48 300 12 12 Commercial Construction, Land Development, and Other Land 4,844 4,844 1,379 4,448 — — Other Non Owner-Occupied CRE 1,244 1,244 2 1,222 — — Direct Financing Leases 3,670 3,670 504 3,505 132 132 Residential Real Estate 1,704 1,779 355 1,235 16 16 Installment and Other Consumer 202 202 39 167 1 1 $ 18,354 $ 18,443 $ 3,043 $ 16,867 $ 435 $ 435 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 is 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. See Note 1 for further discussion on the Company’s risk ratings. Note 4. Loans/Leases Receivable (continued) For C&I equipment financing loans, 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 December 31, 2019 and 2018: 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) $ 1,334,446 $ 439,418 $ 378,572 $ 896,206 $ 3,048,642 98.28 % Special Mention (Rating 6) 12,962 3,044 41 3,905 19,952 0.64 % Substandard (Rating 7) 18,439 1,527 184 13,499 33,649 1.08 % Doubtful (Rating 8) — — — — — — % $ 1,365,847 $ 443,989 $ 378,797 $ 913,610 $ 3,102,243 100.00 % 2019 Direct Financing Residential Real Installment and As a % of Delinquency Status * C&I Leases Estate Other Consumer Total Total (dollars in thousands) Performing $ 140,992 $ 86,019 $ 239,198 $ 108,763 $ 574,972 99.29 % Nonperforming 986 1,850 706 589 4,131 0.71 % $ 141,978 $ 87,869 $ 239,904 $ 109,352 $ 579,103 100.00 % 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 % 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 troubled debt restructurings. Note 4. Loans/Leases Receivable (continued) TDRs totaled $ 1.7 million and $6.5 million as of December 31, 2019 and 2018, 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 years ended December 31, 2019 and 2018. The difference between the pre-modification recorded investment and the post-modification recorded investment would be any partial charge-offs at the time of restructuring. The specific allowance is as of December 31, 2019 and 2018, respectively. The following excludes any TDRs that were restructured and paid off or charged off in the same year. 2019 Pre- Post- Modification Modification Number of Recorded Recorded Specific Classes of Loans/Leases Loans / Leases Investment Investment Allowance (dollars in thousands) CONCESSION - Significant Payment Delay C&I 3 $ 112 $ 112 $ — Direct Financing Leases 10 388 388 35 13 $ 500 $ 500 $ 35 CONCESSION - Foregiveness of Principal C&I 1 $ 587 $ 537 $ — CONCESSION - Extension of Maturity Installment and Other Consumer 1 $ 56 $ 56 $ 54 TOTAL 15 $ 1,143 $ 1,093 $ 89 2018 Pre- Post- Modification Modification Number of Recorded Recorded Specific Classes of Loans/Leases Loans/Leases Investment Investment Allowance (dollars in thousands) CONCESSION - Significant Payment Delay C&I 5 $ 426 $ 426 $ 250 Other Non Owner-Occupied CRE 1 500 500 60 Residential Real Estate 1 46 46 — Direct Financing Leases 3 75 75 — 10 $ 1,047 $ 1,047 $ 310 CONCESSION - Extension of Maturity Other Non Owner-Occupied CRE 2 $ 2,976 $ 2,976 $ 1,492 Residential Real Estate 2 $ 100 $ 100 $ 8 4 $ 3,076 $ 3,076 $ 1,500 TOTAL 14 $ 4,123 $ 4,123 $ 1,810 Of the TDRs reported above, three with a post-modification recorded investment totaling $ 121 thousand were on nonaccrual as of December 31, 2019 and three with a post-modification recorded investment totaling $796 thousand were on nonaccrual as of December 31, 2018. For the year ended December 31, 2019, the Company had t wo TDRs totaling $66 thousand that redefaulted within 12 months subsequent to restructure, where default is defined as delinquency of 90 days or more and/or placement on nonaccrual status. For the year ended December 31, 2018, the Company had five TDRs totaling $399 thousand that redefaulted within 12 months subsequent to restructure, where default is defined as delinquency of 90 days or more and/or placement on nonaccrual status. Not included in the table above, the Company had one TDR that was restructured and charged off in 2019, totaling $52 thousand. There were 13 TDRs that were both restructured and charged off in 2018, totaling $896 thousand. Note 4. Loans/Leases Receivable (continued) Loans are made in the normal course of business to directors, executive officers, and their related interests. The terms of these loans, including interest rates and collateral, are similar to those prevailing for comparable transactions with other persons. An analysis of the changes in the aggregate committed amount of loans greater than or equal to $60,000 during the years ended December 31, 2019, 2018, and 2017, is as follows: 2019 2018 2017 (dollars in thousands) Balance, beginning $ 125,496 $ 66,442 $ 61,609 Net increase (decrease) due to change in related parties (12,161) 41,797 11,927 Advances 98,708 43,453 13,091 Repayments (99,213) (26,196) (20,185) Balance, ending $ 112,830 $ 125,496 $ 66,442 The Company’s loan portfolio includes a geographic concentration in the Midwest. Additionally, the loan portfolio includes a concentration of loans in certain industries as of December 31, 2019 and 2018 as follows: 2019 2018 Percentage of Percentage of Total Total Industry Name Balance Loans/Leases Balance Loans/Leases (dollars in thousands) Lessors of Residential Buildings $ 745,770 22 % $ 594,346 16 % Lessors of Non-Residential Buildings 574,058 17 % 632,534 17 % Administration of Urban Planning & Community & Rural Development 133,157 4 % 111,579 3 % Bank Holding Companies 92,185 3 % 75,601 2 % Concentrations within the leasing portfolio are monitored by equipment type – none of which represent a concentration within the total loans/leases portfolio. Within the leasing portfolio, diversification is spread among construction, manufacturing and the service industries. Geographically, the lease portfolio is diversified across all 50 states. No individual state represents a concentration within the total loan/lease portfolio.

Note 5 - Premises and Equipment

Note 5 - Premises and Equipment	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Premises and Equipment	Note 5. Premises and Equipment The following summarizes the components of premises and equipment as of December 31, 2019 and 2018: 2019 2018 (dollars in thousands) Land $ 13,632 $ 15,582 Buildings (useful lives 15 to 50 years) 66,070 64,299 Furniture and equipment (useful lives 3 to 10 years) 40,228 36,399 Premises and equipment 119,930 116,280 Less accumulated depreciation 46,071 40,698 Premises and equipment, net $ 73,859 $ 75,582 Note 5. Premises and Equipment (continued) As a lessee, the Company has entered into operating leases for certain branch locations. Total lease expenses were $732 thousand for the year ended December 31, 2019. At December 31, 2019, the Company’s Right of Use “(ROU)” assets (included in other assets on the consolidated balance sheets) and operating lease liabilities (included in other liabilities on the consolidated balance sheets) were both $1.9 million. No new ROU assets were capitalized during the year ended December 31, 2019. At December 31, 2019, the contractual maturities of operating lease liabilities were as follows: Amount Year ending December 31: (dollars in thousands) 2020 541 2021 327 2022 251 2023 200 2024 144 Thereafter 857 $ 2,320 As a lessor, the Company leases certain types of commercial vehicles and industrial equipment to its customers. The Company recognized lease-related revenue, primarily interest income from direct financing leases of $6.1 million for the year ended December 31, 2019. At December 31, 2019 the Company’s net investment in direct financing leases was $88.3 million. As of December 31, 2019, the contractual maturities of sales-type and direct financing lease receivables were as follows: Amount Year ending December 31: (dollars in thousands) 2020 12,123 2021 18,464 2022 23,520 2023 22,845 2024 16,065 Thereafter 4,008 Total lease payments receivable $ 97,025 Unguaranteed residual values 547 Unearned lease/residual income (9,703) $ 87,869 Plus deferred origination costs, net of fees 1,892 $ 89,761 Less allowance (1,464) Total lease payments receivable $ 88,297 The The

Note 6 - Goodwill and Intangibl

Note 6 - Goodwill and Intangibles	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Goodwill and Intangibles	Note 6. Goodwill and Intangibles The following table presents the changes in the carrying amount of goodwill for the years ended December 31, 2019, 2018 and 2017: 2019 2018 2017 (dollars in thousands) Balance at the beginning of period $ 77,832 $ 28,334 $ 13,111 Goodwill from merger with Springfield Bancshares — 45,975 — Goodwill from acquisition of Bates Companies — 3,766 — Goodwill from acquisition of Guaranty Bank — — 15,223 Goodwill from acquisition of Guaranty Bank - measurement period adjustment — (243) — Goodwill from acquisition of Bates Companies - measurement period adjustment (84) — — Goodwill impairment - Bates Companies (3,000) — — Balance at the end of period $ 74,748 $ 77,832 $ 28,334 The following table presents the goodwill by reportable segment: December 31, 2019 December 31, 2018 December 31, 2017 (dollars in thousands) Commercial banking: QCBT $ 3,223 $ 3,223 $ 3,223 CRBT 14,980 14,980 15,223 CSB 9,888 9,888 9,888 SFC Bank 45,975 45,975 — Other, Parent Company Only 682 3,766 — $ 74,748 $ 77,832 $ 28,334 As of November 30, 2019, the Company’s management performed an internal assessment of the goodwill for the Bates Companies reporting unit. As the Bates Companies is located in Rockford, Illinois, the Company had intended to achieve synergies and cross-selling opportunities that significantly enhanced the value of the Bates Companies. With the sale of the assets and liabilities of RB&T, which was the Company’s bank subsidiary located in Rockford, Illinois, the Company’s valuation analysis determined the value had declined and the goodwill was impaired. Specifically, the Company determined a goodwill impairment charge of $3 million was required for the Bates Companies. The Company used a combination of methods to determine the value and related goodwill impairment charge. The methods included prices of comparable businesses as well as recent discussions with existing wealth management providers in the surrounding Rockford market. Note 6. Goodwill and Intangibles (continued) The following table presents the changes in core deposit intangibles (included in Intangibles on the consolidated balance sheets) during the years ended December 31, 2019, 2018 and 2017: 2019 2018 2017 (dollars in thousands) Balance at the beginning of the period $ 15,595 $ 9,079 $ 7,381 Core deposit intangible from merger with Springfield Bancshares — 8,208 — Core deposit intangible from acquisition of Guaranty Bank — — 2,699 Amortization expense (2,129) (1,692) (1,001) Balance at the end of the period $ 13,466 $ 15,595 $ 9,079 Gross carrying amount $ 19,255 $ 19,255 $ 11,046 Accumulated amortization (5,789) (3,660) (1,967) Net book value $ 13,466 $ 15,595 $ 9,079 The following table presents the core deposit intangibles by reportable segment: December 31, 2019 December 31, 2018 December 31, 2017 (dollars in thousands) Commercial Banking: CRBT $ 2,684 $ 3,186 $ 3,694 CSB 3,980 4,675 5,385 SFC Bank 6,802 7,734 — $ 13,466 $ 15,595 $ 9,079 The following table presents the estimated amortization of the core deposit intangibles: Amount Years ending December 31, (dollars in thousands) 2020 $ 2,085 2021 2,032 2022 1,971 2023 1,776 2024 1,623 Thereafter 3,979 $ 13,466 The following table presents the changes in customer list intangible (included in Intangibles on the consolidated balance sheets) during the years ended December 31, 2019 and 2018: 2019 2018 (dollars in thousands) Balance at the beginning of period $ 1,855 $ — Customer list intangible from acquisition of Bates Companies — 1,855 Customer list intangible from acquisition of Bates Companies - measurement period adjustment (214) — Amortization (137) — Balance at the end of period 1,504 1,855 The customer list intangible relates to the Parent Company Only (“All Other”) reportable segment. Note 6. Goodwill and Intangibles (continued) The following table presents the estimated amortization of the customer list intangible: Amount Years ending December 31, (dollars in thousands) 2020 $ 109 2021 109 2022 109 2023 109 2024 109 Thereafter 959 $ 1,504

Note 7 - Derivatives and Hedgin

Note 7 - Derivatives and Hedging Activities	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Derivatives and Hedging Activities	Note 7. Derivatives and Hedging Activities The Company uses interest rate swap and cap instruments to manage interest rate risk related to the variability of interest payments due to changes in interest rates. The Company entered into interest rate caps in December 2019 to hedge against the risk of rising interest rates on liabilities. The liabilities consist of $375.0 million of deposits and the benchmark rates hedged vary at 1-month LIBOR, 3-month LIBOR and Prime. The Company entered into interest rate caps in June 2014 to hedge against the risk of rising interest rates on short-term liabilities. The short-term liabilities consisted of $30.0 million of 1-month FHLB advances, and the benchmark rate hedged was 1-month LIBOR. In 2019, short-term liabilities of $15 million matured, and the remaining short-term liabilities as well as caps were sold as part of the RB&T asset sale in the fourth quarter of 2019. The interest rate caps are designated as cash flow hedges in accordance with ASC 815. An initial premium of $4.3 million was paid upfront for the caps executed in 2019. The details of the interest rate caps are as follows: Balance Sheet Fair Value as of Hedged Item Effective Date Maturity Date Location Notional Amount Strike Rate December 31, 2019 December 31, 2018 (dollars in thousands) Deposits 1/1/2020 1/1/2023 Other Assets $ % $ 112 $ - Deposits 1/1/2020 1/1/2023 Other Assets 218 - Deposits 1/1/2020 1/1/2023 Other Assets 96 - Deposits 1/1/2020 1/1/2023 Other Assets 109 - Deposits 1/1/2020 1/1/2024 Other Assets 214 - Deposits 1/1/2020 1/1/2024 Other Assets 401 - Deposits 2/1/2020 2/1/2024 Other Assets 202 - Deposits 1/1/2020 1/1/2024 Other Assets 201 - Deposits 1/1/2020 1/1/2025 Other Assets 337 - Deposits 1/1/2020 1/1/2025 Other Assets 617 - Deposits 3/1/2020 3/1/2025 Other Assets 332 - Deposits 1/1/2020 1/1/2025 Other Assets 309 - 1-month FHLB Advance 6/3/2014 6/5/2019 Other Assets N/A - 117 1-month FHLB Advance 6/5/2014 6/5/2021 Other Assets N/A - 342 $ $ 3,148 $ 459 Note 7. Derivatives and Hedging Activities (continued) In June 2018, the Company entered into interest rate swaps to hedge against the risk of rising rates on its variable rate trust preferred securities. The variable rate trust preferred securities are tied to 3-month LIBOR, and the interest rate swaps utilize 3-month LIBOR, so the hedge is effective. The interest rate swaps are designated as cash flow hedges in accordance with ASC 815. The details of the interest rate swaps are as follows: Balance Sheet Fair Value as of Hedged Item Effective Date Maturity Date Location Notional Amount Receive Rate Pay Rate December 31, 2019 December 31, 2018 (dollars in thousands) QCR Holdings Statutory Trust II 9/30/2018 9/30/2028 Other Liabilities $ 4.79 % % $ (971) $ (298) QCR Holdings Statutory Trust III 9/30/2018 9/30/2028 Other Liabilities 4.79 % % (777) (239) QCR Holdings Statutory Trust V 7/7/2018 7/7/2028 Other Liabilities 3.54 % % (944) (288) Community National Statutory Trust II 9/20/2018 9/20/2028 Other Liabilities 4.08 % % (291) (89) Community National Statutory Trust III 9/15//2018 9/15/2028 Other Liabilities 3.64 % % (339) (104) Guaranty Bankshares Statutory Trust I 9/15/2018 9/15/2028 Other Liabilities 3.64 % % (436) (133) $ 4.18 % % $ (3,758) $ (1,151) Changes in the fair values of derivative financial instruments accounted for as cash flow hedges to the extent they are included in the assessment of effectiveness, are recorded as a component of AOCI. The following is a summary of how AOCI was impacted during the reporting periods: Year Ended December 31, 2019 December 31, 2018 (dollars in thousands) Unrealized loss at beginning of period, net of tax $ (1,276) $ (805) Amount reclassified from accumulated other comprehensive income to noninterest expense related to hedge ineffectiveness — 27 Amount reclassified from accumulated other comprehensive income to interest expense related to caplet amortization 422 575 Amount of loss recognized in other comprehensive income, net of tax (3,061) (1,073) Unrealized loss at end of period, net of tax $ (3,915) $ (1,276) 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 offsetting interest rate swap with a third party financial institution. Additionally, the Company receives an upfront fee from the counterparty, dependent upon the pricing that is recognized upon receipt from the counterparty. 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. The Company may be exposed to credit risk in the event of non-performance by the counterparties to its interest rate derivative agreements. The Company assesses the credit risk of its financial institution counterparties by monitoring publicly available credit rating and financial information. The Company manages dealer credit risk by entering into interest rate derivatives only with primary and highly rated counterparties, the use of ISDA master agreements, central clearing mechanisms and counterparty limits. The agreements contain bilateral collateral arrangements with the amount of collateral to be posted generally governed by the settlement value of outstanding swaps. The Company manages the risk of default by its borrower counterparties through its normal loan underwriting and credit monitoring policies and procedures. The Company does not currently anticipate any losses from failure of interest rate derivative counterparties to honor their obligations . Interest rate swaps that are not designated as hedging instruments are summarized as follows: December 31, 2019 December 31, 2018 Notional Amount Estimated Fair Value Notional Amount Estimated Fair Value (dollars in thousands) Non-Hedging Interest Rate Derivatives Assets: Interest rate swap contracts $ 787,221 $ 84,679 $ $ Non-Hedging Interest Rate Derivatives Liabilities: Interest rate swap contracts $ 787,221 $ 84,679 $ $ Note 7. Derivatives and Hedging Activities (continued) Swap fee income totaled $28.3 million, $10.8 million and $3.1 million for the years ended December 31, 2019, 2018, and 2017, respectively. The Company’s hedged interest rate swaps and non-hedged interest rate swaps are collateralized by investment securities with carrying values as follows: 2019 2018 (dollars in thousands) U.S govt. sponsored agency securities $ 3,541 $ — Municipal securities 22,924 — Residential mortgage-backed and related securities 72,090 — $ 98,555 $ — In addition to the pledged investment securities, the Company collateralized the interest rate swaps with cash totaling $10.0 million and $18.5 million as of December 31, 2019 and 2018, respectively.

Note 8 - Deposits

Note 8 - Deposits	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Deposits	Note 8. Deposits The aggregate amount of certificates of deposit, each with a minimum denomination of $250,000, was $448.6 million and $592.7 million as of December 31, 2019 and 2018, respectively. As of December 31, 2019, the scheduled maturities of certificates of deposit were as follows: Year ending December 31: (dollars in thousands) 2020 $ 523,631 2021 130,895 2022 50,299 2023 9,162 2024 12,269 Thereafter 69 $ 726,325 The Company has public entity interest-bearing demand deposits and certificates of deposit that are collateralized by investment securities with carrying values as follows: 2019 2018 (dollars in thousands) U.S. govt. sponsored agency securities $ 6,135 $ 980 Residential mortgage-backed and related securities 3,782 9,883 $ 9,917 $ 10,863 The Company had a $47.4 million PUD LOC with the FHLB of Des Moines for the purpose of providing additional collateral on public deposits as of December 31, 2019. As of December 31, 2018, the Company had a $80.8 million PUD LOC with the FHLB of Des Moines and a $11.0 million PUD LOC with the FHLB of Chicago. There were no amounts outstanding under these letters of credit as of December 31, 2019 or 2018.

Note 9 - Short-Term Borrowings

Note 9 - Short-Term Borrowings	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Short-Term Borrowings	Note 9. Short-Term Borrowings Short-term borrowings as of December 31, 2019 and 2018 are summarized as follows: 2019 2018 (dollars in thousands) Overnight repurchase agreements with customers $ 2,193 $ 2,084 Federal funds purchased 11,230 26,690 $ 13,423 $ 28,774 The Company’s overnight repurchase agreements with customers are collateralized by investment securities with carrying values as follows: 2019 2018 (dollars in thousands) U.S. govt. sponsored agency securities $ 1,964 $ 3,662 Residential mortgage-backed and related securities 1,456 20,654 Total securities pledged to overnight customer repurchase agreements 3,420 24,316 Less: overcollateralized position 1,227 22,232 $ 2,193 $ 2,084 Inherent in the overnight repurchase agreements is a risk that the fair value of the collateral pledged on the agreements could decline below the amount obligated under our customer repurchase agreements. The Company considers this risk minimal. The Company monitors balances daily to ensure that collateral is sufficient to meet obligations. Additionally, the Company maintains an overcollateralized position that is sufficient to cover any interest rate movements. The securities underlying the agreements as of December 31, 2019 and 2018 were under the Company’s control in safekeeping at third-party financial institutions. Information concerning overnight repurchase agreements with customers is summarized as follows as of December 31, 2019 and 2018: 2019 2018 (dollars in thousands) Average daily balance during the period $ 4,231 $ 7,831 Average daily interest rate during the period 0.73 % 0.38 % Maximum month-end balance during the period $ 4,177 $ 10,392 Weighted average rate as of end of period 1.00 % 0.90 % Note 9. Short-Term Borrowings (continued) Information concerning federal funds purchased is summarized as follows as of December 31, 2019 and 2018: 2019 2018 (dollars in thousands) Average daily balance during the period $ 12,594 $ 13,059 Average daily interest rate during the period 2.56 % 2.18 % Maximum month-end balance during the period $ 17,010 $ 32,330 Weighted average rate as of end of period 1.50 % 2.46 %

Note 10 - FHLB Advances

Note 10 - FHLB Advances	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
FHLB Advances	Note 10. FHLB Advances The subsidiary banks are members of the FHLB of Des Moines. Maturity and interest rate information on advances from the FHLB as of December 31, 2019 and 2018 is as follows: December 31, 2019 December 31, 2018 Weighted Weighted Average Average Interest Rate Interest Rate Amount Due at Year-End Amount Due at Year-End (dollars in thousands) Maturity: Year ending December 31: 2019 $ — — % $ 239,958 2.60 % 2020 110,900 1.73 11,484 1.74 2021 5,000 1.55 15,050 2.32 2022 23,400 1.73 — — 2023 20,000 1.84 — — Total FHLB advances $ 159,300 1.74 % $ 266,492 2.55 % The Company prepaid FHLB advances in 2019 using excess funds generated by strong deposit growth. The loss on the prepayment of the FHLB advances totaled $386 thousand. Advances are collateralized by loans of $1.1 billion and $1.3 billion as of December 31, 2019 and 2018, respectively, in aggregate. On pledged loans, the FHLB applies varying collateral maintenance levels from 125% to 333% based on the loan type. Advances are also collateralized by securities of $1.4 million and $26.9 million as of December 31, 2019 and 2018, respectively, in aggregate. The Company continues to pledge loans under blanket liens to provide off balance sheet liquidity. As of December 31, 2019 and included within the 2020 maturity grouping above are $109.3 million of short-term advances from the FHLB. These advances have maturities ranging from 1 day to 1 month. Short-term and overnight advances totaled $190.2 million as of December 31, 2018 and had maturities ranging from 1 day to 1 month. As of December 31, 2019 and 2018, the subsidiary banks held $11.7 million and $15.7 million, respectively, of FHLB stock, which is included in restricted investment securities on the consolidated balance sheet.

Note 11 - Other Borrowings and

Note 11 - Other Borrowings and Unused Lines of Credit	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Other Borrowings and Unused Lines of Credit	Note 11. Other Borrowings and Unused Lines of Credit Other borrowings as of December 31, 2019 and 2018 are summarized as follows: 2019 2018 (dollars in thousands) Wholesale structured repurchase agreements $ — $ 35,000 Term notes — 23,250 Revolving line of credit — 9,000 $ — $ 67,250 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 an 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%. The loss on the prepayment of the wholesale structured repurchase agreements totaled $50 thousand. In addition, wholesale 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 advanes and customer deposits. Wholesale structured repurchase agreements were collateralized by certain U.S. government agency securities and residential mortgage backed and related securities with carrying values as follows: 2019 2018 (dollars in thousands) U.S. govt. sponsored agency securities $ — $ — Residential mortgage-backed and related securities — 38,870 Total securities pledged to wholesale customer repurchase agreements — 38,870 Less: overcollateralized position — 3,870 $ — $ 35,000 The Company had two term notes totaling $23.3 million at December 31, 2018 with original maturity dates of December 31, 2021. Interest on the term notes were calculated at the effective LIBOR rate plus 3.00% per annum (5.52% at December 31, 2018). The collateral on both borrowings was the original stock certificates and stock powers of all bank subsidiaries. In February 2019, immediately following the subordinated note issuance, the Company repaid the term notes. 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 for which there is no outstanding balance as of December 31, 2019. Interest on the revolving line of credit is calculated at the effective LIBOR rate plus 2.25% per annum (4.01% at December 31, 2019). The collateral on the revolving line of credit is 100% of the outstanding capital stock of the Compnay’s bank subsidiaries. Note 11. Other Borrowings and Unused Lines of Credit (continued) Unused lines of credit of the subsidiary banks as of December 31, 2019 and 2018 are summarized as follows: 2019 2018 (dollars in thousands) Secured $ 45,342 $ 1,690 Unsecured 335,300 362,000 $ 380,642 $ 363,690 The Company pledges select C&I and CRE loans to the Federal Reserve Bank of Chicago for borrowing as part of the Borrower-In-Custody program.

Note 12 - Subordinated Notes

Note 12 - Subordinated Notes	12 Months Ended
	Dec. 31, 2019
Subordinated Notes
Subordinated Notes	Note 12. Subordinated Notes Subordinated notes as of December 31, 2019 and 2018 are summarized as follows: Amount Outstanding Interest Rate Amount Outstanding Interest Rate as of December 31, 2019 as of December 31, 2019 as of December 31, 2018 as of December 31, 2018 Maturity Date (dollars in thousands) Subordinated debenture dated 2/1/19 $ 65,000 5.375 % $ - N/A % 2/15/2029 Subordinated debenture dated 4/30/16 2,000 4.00 % 2,000 4.00 % 4/30/2026 Subordinated debenture dated 9/15/16 3,000 4.00 % 3,000 4.00 % 9/15/2026 Debt issuance costs (1,606) (218) Total Subordinated Debentures $ 68,394 $ 4,782 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 captial for the Company, are at a fixed rate of 5.375% per year until but excluding February 15, 2024. On this date, the interest 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 therafter 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 $1.6 million at December 31, 2019. Immediately following the issuance, the Company repaid term notes totaling $21.3 million and the outstanding balance of $9.0 million on its revolving line of credit. The Company intends to use the remaining net proceeds from this offering for general corporate purposes, including the pursuit of opportunistic acquisitions of similar or complementary financial service organizations, repaying indebtedness, financing investments and capital expeditures, repurchasing shares of the Company’s common stock, investing in the subsidiary banks or other strategic opportunities that may arise in the future. As part of the merger with Springfield Bancshares, the Company assumed two subordinated debentures with a fair value of $4.8 million. The interest rate on the subordinated debentures is fixed for the first five years of the term and then converts to floating for the remaining term, at a rate of Prime floating daily. The debentures may be called after a minimum of five years following issuance and at the prior approval of the appropriate regulatory agencies. These subordinated debentures are unsecured.

Note 13 - Junior Subordinated D

Note 13 - Junior Subordinated Debentures	12 Months Ended
	Dec. 31, 2019
Junior Subordinated Debentures
Junior Subordinated Debentures	Note 13. Junior subordinated debentures are summarized as of December 31, 2019 and 2018 as follows: 2019 2018 (dollars in thousands) Note Payable to QCR Holdings Capital Trust II $ 10,310 $ 10,310 Note Payable to QCR Holdings Capital Trust III 8,248 8,248 Note Payable to QCR Holdings Capital Trust V 10,310 10,310 Note Payable to Community National Trust II 3,093 3,093 Note Payable to Community National Trust III 3,609 3,609 Note Payable to Guaranty Bankshares Statutory Trust I* 4,640 4,640 Market Value Discount per ASC 805** (2,372) (2,540) $ 37,838 $ 37,670 * As part of the acquisition of Guaranty Bank, the Company assumed one junior subordinated debenture with a fair value of $3.9 million. ** Market value discount includes discount on junior subordinated debt acquired in 2013 as part of the purchase of Community National and junior subordinated debt acquired in 2017 as part of the purchase of Guaranty Bank. A schedule of the Company’s non-consolidated subsidiaries formed for the issuance of trust preferred securities, including the amounts outstanding as of December 31, 2019 and 2018, is as follows: Amount Amount Outstanding Outstanding December 31, December 31, Interest Rate as of Interest Rate as of Name Date Issued 2019 2018 Interest Rate December 31, 2019 December 31, 2018 (dollars in thousands) QCR Holdings Statutory Trust II* February 2004 $ 10,310 $ 10,310 2.85% over 3-month LIBOR 4.79 % 5.65 % QCR Holdings Statutory Trust III February 2004 8,248 8,248 2.85% over 3-month LIBOR 4.79 % 5.65 % QCR Holdings Statutory Trust V February 2006 10,310 10,310 1.55% over 3-month LIBOR 3.54 % 3.99 % Community National Statutory Trust II September 2004 3,093 3,093 2.17% over 3-month LIBOR 4.08 % 4.96 % Community National Statutory Trust III March 2007 3,609 3,609 1.75% over 3-month LIBOR 3.64 % 4.54 % Guaranty Bankshares Statutory Trust I May 2005 4,640 4,640 1.75% over 3-month LIBOR 3.64 % 4.54 % $ 40,210 $ 40,210 Weighted Average Rate % 4.94 % * Original amount issued for QCR Holdings Statutory Trust II was $12,372,000. Securities issued by all of the trusts listed above mature 30 years from the date of issuance, but all are currently callable at par at any time. Interest rate reset dates vary by Trust. The Company uses interest rate swaps for the purpose of hedging interest rate risk on the variable rate junior subordinated debt. See Note 7 to the Consolidated Financial Statements for the details of these instruments.

Note 14 - Federal and State Inc

Note 14 - Federal and State Income Taxes	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Federal and State Income Taxes	Note 14. Federal and State Income Taxes Federal and state income tax expense was comprised of the following components for the years ended December 31, 2019, 2018, and 2017: 2019 2018 2017 (dollars in thousands) Current $ 8,255 $ 2,723 $ 10,976 Deferred 6,364 6,292 (6,030) $ 14,619 $ 9,015 $ 4,946 A reconciliation of the expected federal income tax expense to the income tax expense included in the consolidated statements of income was as follows for the years ended December 31, 2019, 2018, and 2017: Year Ended December 31, 2019 2018 2017 % of % of % of Pretax Pretax Pretax Amount Income Amount Income Amount Income (dollars in thousands) Computed "expected" tax expense $ 15,126 21.0 % $ 10,948 21.0 % $ 14,229 35 % Tax exempt income, net (4,470) (6.2) (3,958) (7.6) (5,654) (13.9) Bank-owned life insurance (360) (0.5) (343) (0.6) (631) (1.5) State income taxes, net of federal benefit, current year 3,668 5.1 2,681 5.2 1,765 4.3 Change in unrecognized tax benefits (93) (0.1) (45) (0.1) (54) (0.1) Goodwill impairment 630 0.9 — — — — Intended liquidation of bank-owned life insurance 790 1.1 — — — — Tax credits (705) (1.0) (154) (0.3) (341) (0.8) Acquisition costs — — 227 0.4 — — Excess tax benefit on stock options exercised and restricted stock awards vested (287) (0.4) (425) (0.8) (1,220) (3.0) Re-measurement of deferred tax asset to incorporate newly enacted tax rates — — — — (2,919) (7.2) Other 320 0.4 84 0.1 (229) (0.6) Federal and state income tax expense $ 14,619 20.3 % $ 9,015 17.3 % $ 4,946 12.2 % Changes in the unrecognized tax benefits included in other liabilities are as follows for the years ended December 31, 2019 and 2018: 2019 2018 (dollars in thousands) Balance, beginning $ 1,249 $ 1,293 Impact of tax positions taken during current year 375 287 Gross increase (decrease) related to tax positions of prior years 44 (178) Reduction as a result of a lapse of the applicable statute of limitations (414) (153) Balance, ending $ 1,254 $ 1,249 Included in the unrecognized tax benefits liability at December 31, 2019 are potential benefits of approximately $1.1 million that, if recognized, would affect the effective tax rate. The liability for unrecognized tax benefits includes accrued interest for tax positions, which either do not meet the more-likely-than-not recognition threshold or where the tax benefit is measured at an amount less than the tax benefit claimed or expected to be claimed on an income tax return. At December 31, 2019 and 2018, accrued interest on uncertain tax positions was approximately $232 thousand and $205 thousand, respectively. Estimated interest related to the underpayment of income taxes is classified as a component of “income tax expense” in the statements of income. The Company’s federal income tax returns are open and subject to examination from the 2016 tax return year and later. Various state franchise and income tax returns are generally open from the 2015 and later tax return years based on individual state statutes of limitations. Note 14. Federal and State Income Taxes (continued) The net deferred tax liabilities consisted of the following as of December 31, 2019 and 2018: 2019 2018 (dollars in thousands) Deferred tax assets: Alternative minimum tax credits $ — $ 2,911 Historic tax credits 68 1,937 Net unrealized losses on securities available for sale and derivative instruments 126 1,687 Compensation 8,433 6,772 Loan/lease losses 11,332 9,549 Net operating loss carryforwards, federal and state 739 849 Other 605 53 21,303 23,758 Deferred tax liabilities: Premises and equipment 4,616 2,717 Equipment financing leases 16,252 18,329 Acquisition fair value adjustments 3,963 2,739 Intended liquidation of bank-owned life insurance 850 — Gain on sale of assets and liabilities of subsidiary 794 — Investment accretion 28 31 Deferred loan origination fees, net 704 482 Other 832 424 28,039 24,722 Net deferred tax liabilities $ (6,736) $ (964) At December 31, 2019, the Company had $3.5 million of federal tax net operating loss carryforwards which are set to expire in varying amounts between 2029 and 2033. At December 31, 2019, the Company had $2.1 million of state tax net operating loss carryforwards which are set to expire in varying amounts between 2023 and 2028. All of the federal tax net operating loss carryforwards and the state tax net operating loss carryforwards were acquired from Community National and CNB. The change in deferred income taxes was reflected in the Consolidated Financial Statements as follows for the years ended December 31, 2019, 2018, and 2017: 2019 2018 2017 (dollars in thousands) Provision for income taxes $ 6,364 $ 6,292 $ (6,030) Net deferred tax asset resulting from market value adjustments of acquisitions (381) (52) 243 Net deferred tax liabilities resulting from sale of bank subsidiary (1,644) — — Re-measurement of deferred tax asset to incorporate newly enacted tax rates — — 2,919 Statement of stockholders' equity- Other comprehensive income (loss) 1,433 (1,000) 668 $ 5,772 $ 5,240 $ (2,200) The Tax Act was enacted on December 22, 2017 and reduces the federal corporate tax rate from 35% to 21%. As a result, the Company revalued the deferred tax assets and liabilities to reflect the lower federal corporate tax rate, which resulted in the Company recognizing a benefit of $2.9 million in the fourth quarter of 2017. Additionally, while the Tax Act eliminated the corporate alternative minimum tax, it did preserve the alternative minimum tax credit and the usability.

Note 15 - Employee Benefit Plan

Note 15 - Employee Benefit Plans	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Employee Benefit Plans	Note 15. Employee Benefit Plans The Company has a profit sharing plan which includes a provision designed to qualify under Section 401(k) of the Internal Revenue Code of 1986, as amended, to allow for participant contributions. Substantially all employees who are at least 18 years of age are eligible to participate in the plan. The Company matches 100% of the first 3% of employee contributions, and 50% of the next 3% of employee contributions, up to a maximum amount of 4.5% of an employee’s compensation. Additionally, at its discretion, the Company may make additional contributions to the plan which are allocated to the accounts of participants in the plan based on relative compensation. There were no discretionary contributions for the years ended December 31, 2019, 2018 and 2017. Company matching contributions for the years ended December 31, 2019, 2018, and 2017 were as follows: 2019 2018 2017 (dollars in thousands) Matching contribution $ 2,443 $ 2,000 $ 1,663 The Company has entered into nonqualified supplemental executive retirement plans (SERPs) with certain executive officers. The SERPs allow certain executives to accumulate retirement benefits beyond those provided by the qualified retirement plan. Changes in the liability related to the SERPs, included in other liabilities, are as follows for the years ended December 31, 2019, 2018 and 2017: 2019 2018 2017 (dollars in thousands) Balance, beginning $ 4,623 $ 4,330 $ 4,093 Expense accrued 701 457 401 Cash payments made (164) (164) (164) Balance, ending $ 5,160 $ 4,623 $ 4,330 The Company has entered into deferred compensation agreements with certain executive officers. Under the provisions of the agreements, the officers may defer compensation and the Company matches the deferral up to certain maximums. The Company’s matching contribution varies by officer and is a maximum of between $8 thousand and $25 thousand annually as set forth in each officer’s participation agreement. Interest on the deferred amounts is earned at The Wall Street Journal ’s prime rate subject to a minimum of 4% and a maximum of 12% with such limits differing by officer. The Company has also entered into deferred compensation agreements with certain other officers. Under the provisions of the agreements, the officers may defer compensation and the Company matches the deferral up to certain maximums. The Company’s matching contribution differs by officer and is a maximum between 4% and 10% of the officer’s compensation. Interest on the deferred amounts is earned at The Wall Street Journal ’s prime rate plus one percentage point, and has a minimum of 4% and shall not exceed 8%. Upon retirement, the officer will receive the deferral balance in 180 equal monthly installments. As of December 31, 2019 and 2018, the liability related to the agreements totaled $19.5 million and $15.0 million, respectively. Note 15. Employee Benefit Plans (continued) Changes in the deferred compensation agreements, included in other liabilities, are as follows for the years ended December 31, 2019, 2018, and 2017: 2019 2018 2017 (dollars in thousands) Balance, beginning $ 15,029 $ 12,347 $ 10,455 Employee deferrals 2,474 1,407 933 Company match and interest 2,072 1,367 1,025 Cash payments made (101) (92) (66) Balance, ending $ 19,474 $ 15,029 $ 12,347

Note 16 - Stock-Based Compensat

Note 16 - Stock-Based Compensation	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Stock-Based Compensation	Note 16. Stock-Based Compensation The Company’s Board of Directors adopted in January 2008, and the stockholders approved in May 2008, the QCR Holdings, Inc. 2008 Equity Incentive Plan (“2008 Equity Incentive Plan”). The Company’s Board of Directors adopted in February 2010, and the stockholders approved in May 2010, the QCR Holdings, Inc. 2010 Equity Incentive Plan (“2010 Equity Incentive Plan”). The Company’s Board of Directors adopted in February 2013, and the stockholders approved in May 2013, the QCR Holdings, Inc. 2013 Equity Incentive Plan (“2013 Equity Incentive Plan”). The Company’s Board of Directors adopted in February 2016, and the stockholders approved in May 2016, the QCR Holdings, Inc. 2016 Equity Incentive Plan (“2016 Equity Incentive Plan”). Up to 250,000, 350,000, 350,000, and 400,000 shares of common stock, respectively, may be issued to employees and directors of the Company and its subsidiaries pursuant to equity incentive awards granted under these plans. The 2008 Equity Incentive Plan, the 2010 Equity Incentive Plan, the 2013 Equity Incentive Plan, and the 2016 Equity Incentive Plan (collectively, the “Equity Plans”) are administered by the Compensation Committee of the Board of Directors (the “Committee”). As of December 31, 2019, there were 219,305 remaining shares of common stock available for the grant of future awards under the Equity Plans; however, such future awards may be granted only under the 2016 Equity Incentive Plan. The number and exercise price of options granted under the Equity Plans are determined by the Committee at the time the option is granted. In no event can the exercise price be less than the value of the common stock at the date of the grant for stock options. All options have a 10‑year life and will vest and become exercisable from 3‑to‑7 years after the date of the grant. Stock-based compensation expense was reflected in the Consolidated Financial Statements as follows for the years ended December 31, 2019, 2018, and 2017. 2019 2018 2017 (dollars in thousands) Stock options $ 475 $ 472 $ 554 Restricted stock awards 1,850 857 553 Stock purchase plan 144 114 80 $ 2,469 $ 1,443 $ 1,187 Note 16. Stock-Based Compensastion (continued) Stock options: A summary of the stock option plans as of December 31, 2019, 2018, and 2017 and changes during the years then ended is presented below: December 31, 2019 2018 2017 Weighted Weighted Weighted Average Average Average Exercise Exercise Exercise Shares Price Shares Price Shares Price Outstanding, beginning 469,572 $ 18.52 513,554 $ 17.13 587,961 $ 14.83 Granted 20,200 36.00 16,315 44.02 43,250 43.86 Exercised (59,393) 12.11 (60,127) 13.56 (114,100) 15.12 Forfeited (3,466) 31.59 (170) 16.81 (3,557) 26.74 Outstanding, ending 426,913 20.14 469,572 18.52 513,554 17.13 Exercisable, ending 365,084 358,270 354,269 Weighted average fair value per option granted $ 11.29 $ 14.68 $ 14.75 A further summary of options outstanding as of December 31, 2019 is presented below: Options Outstanding Weighted Options Exercisable Average Weighted Weighted Remaining Average Average Range of Number Contractual Exercise Number Exercise Exercise Prices Outstanding Life Price Exercisable Price $7.99 to $8.93 18,405 1.11 $ 8.10 18,405 $ 8.10 $9.00 to $9.30 88,490 1.47 9.21 88,490 9.21 $15.50 to $15.65 67,541 3.24 15.64 66,741 15.64 $17.10 to $18.00 115,645 4.56 17.31 114,633 17.30 $21.71 to $22.64 59,905 6.08 22.63 46,309 22.63 $36.00 to $48.50 76,927 7.91 41.84 30,506 43.73 426,913 365,084 Restricted stock awards: A summary of changes in the Company’s nonvested restricted stock, restricted stock unit and performance stock unit awards as of December 31, 2019, 2018 and 2017 is presented below: December 31, 2019 2018 2017 Outstanding, beginning 64,099 46,389 39,438 Granted* 85,961 37,315 28,289 Released (37,624) (19,605) (21,338) Forfeited (5,610) — — Outstanding, ending 106,826 64,099 46,389 Weighted average fair value per share granted $ 20.14 $ 43.50 $ 44.44 * At December 31, 2019, includes 18,634 shares of restricted stock, 49,269 restricted stock units and 18,058 performance share units. At December 31, 2018, includes 22,660 shares of restricted stock and 14,655 restricted stock units. At December 31, 2017, includes 28,289 shares of restricted stock. Note 16. Stock-Based Compensation (continued) The total grant value of restricted stock and restricted stock unit awards that were released during the years ended December 31, 2019, 2018 and 2017 was $1.3 million, $622 thousand and $509 thousand, respectively. Stock purchase plan: The Company’s Board of Directors and its stockholders adopted in October 2002 the QCR Holdings, Inc. Employee Stock Purchase Plan (the “Purchase Plan”). On May 2, 2012, the Company’s stockholders approved a complete amendment and restatement of the Purchase Plan. As of January 1, 2019, there were 128,320 shares of common stock available for issuance under the Purchase Plan. For each six-month offering period, the Board of Directors will determine how many of the total number of available shares will be offered. The purchase price is the lesser of 85% of the fair market value at the date of the grant or the investment date. The investment date, as established by the Board of Directors, is the date common stock is purchased after the end of each calendar quarter during an offering period. The maximum dollar amount any one participant can elect to contribute in an offering period is $10 thousand. Additionally, the maximum percentage that any one participant can elect to contribute is 15% of his or her compensation for the year ended December 31, 2019. The maximum percentage that any one participant could elect to contributes was 10% of his or her compensation for the years ended December 31, 2018 and 2017. Information for the stock purchase plan for the years ended December 31, 2019, 2018, and 2017 is presented below: 2019 2018 2017 Shares granted 29,882 17,305 12,414 Shares purchased 28,775 15,528 13,318 Weighted average fair value per share granted $ 4.81 $ 6.63 $ 6.42

Note 17 - Regulatory Capital Re

Note 17 - Regulatory Capital Requirements and Restrictions on Dividends.	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Regulatory Capital Requirements and Restrictions on Dividends	Note 17. Regulatory Capital Requirements and Restrictions on Dividends 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 December 31, 2019 and 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 December 31, 2019 and 2018 are also presented in the following table (dollars in thousands). As of December 31, 2019 and 2018, the subsidiary banks met the requirements to be “well capitalized”. Note 17. Regulatory Capital Requirements and Restrictions on Dividends (continued) 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, 2019: Company: Total risk-based capital $ 581,234 13.33 % $ 348,937 > 8.00 % $ 457,980 > 10.50 % $ 436,171 > 10.00 % Tier 1 risk-based capital 481,702 11.04 261,703 > 6.00 370,746 > 8.50 348,937 > 8.00 Tier 1 leverage 481,702 9.53 202,207 > 4.00 202,207 > 4.00 252,758 > 5.00 Common equity Tier 1 443,864 10.18 196,277 > 4.50 305,320 > 7.00 283,511 > 6.50 Quad City Bank & Trust: Total risk-based capital $ 183,855 11.83 % $ 124,362 > 8.00 % $ 163,225 > 10.50 % $ 155,452 > 10.00 % Tier 1 risk-based capital 170,137 10.94 93,271 > 6.00 132,134 > 8.50 124,362 > 8.00 Tier 1 leverage 170,137 9.94 68,479 > 4.00 68,479 > 4.00 85,598 > 5.00 Common equity Tier 1 170,137 10.94 69,953 > 4.50 108,817 > 7.00 101,044 > 6.50 Cedar Rapids Bank & Trust: Total risk-based capital $ 175,498 11.90 % $ 117,953 > 8.00 % $ 154,813 > 10.50 % $ 147,441 > 10.00 % Tier 1 risk-based capital 162,127 11.00 88,465 > 6.00 125,325 > 8.50 117,953 > 8.00 Tier 1 leverage 162,127 10.41 62,286 > 4.00 62,286 > 4.00 77,857 > 5.00 Common equity Tier 1 162,127 11.00 66,349 > 4.50 103,209 > 7.00 95,837 > 6.50 Community State Bank: Total risk-based capital $ 92,095 12.32 % $ 59,813 > 8.00 % $ 78,504 > 10.50 % $ 74,766 > 10.00 % Tier 1 risk-based capital 85,437 11.43 44,860 > 6.00 63,551 > 8.50 59,813 > 8.00 Tier 1 leverage 85,437 10.39 32,902 > 4.00 32,902 > 4.00 41,128 > 5.00 Common equity Tier 1 85,437 11.43 33,645 > 4.50 52,336 > 7.00 48,598 > 6.50 Springfield First Community Bank: Total risk-based capital $ 71,074 12.72 % $ 44,704 > 8.00 % $ 58,674 > 10.50 % $ 55,880 > 10.00 % Tier 1 risk-based capital 63,956 11.45 33,528 > 6.00 47,498 > 8.50 44,704 > 8.00 Tier 1 leverage 63,956 9.70 26,379 > 4.00 26,379 > 4.00 32,974 > 5.00 Common equity Tier 1 63,956 11.45 25,146 > 4.50 39,116 > 7.00 36,322 > 6.50 For Capital To Be Well Adequacy Purposes Capitalized Under For Capital With Capital Prompt Corrective Actual Adequacy Purposes Conservation Buffer Action Provisions Amount Ratio Amount Ratio Amount Ratio Amount Ratio As of December 31, 2018: Company: Total risk-based capital $ 460,416 10.69 % $ 344,551 > 8.00 % $ 425,305 > 9.875 % $ 430,689 > 10.00 % Tier 1 risk-based capital 420,569 9.77 258,413 > 6.00 339,168 > 7.875 344,551 > 8.00 Tier 1 leverage 420,569 8.87 189,858 > 4.00 189,858 > 4.000 237,322 > 5.00 Common equity Tier 1 382,899 8.89 193,810 > 4.50 274,564 > 6.375 279,948 > 6.50 Quad City Bank & Trust: Total risk-based capital $ 162,009 11.38 % $ 113,900 > 8.00 % $ 140,596 > 9.875 % $ 142,376 > 10.00 % Tier 1 risk-based capital 148,529 10.43 85,425 > 6.00 112,121 > 7.875 113,900 > 8.00 Tier 1 leverage 148,529 9.04 65,744 > 4.00 65,744 > 4.000 82,180 > 5.00 Common equity Tier 1 148,529 10.43 64,069 > 4.50 90,764 > 6.375 92,544 > 6.50 Cedar Rapids Bank & Trust: Total risk-based capital $ 146,292 11.55 % $ 101,310 > 8.00 % $ 125,054 > 9.875 % $ 126,637 > 10.00 % Tier 1 risk-based capital 133,982 10.58 75,982 > 6.00 99,727 > 7.875 101,310 > 8.00 Tier 1 leverage 133,982 9.98 53,682 > 4.00 53,682 > 4.000 67,103 > 5.00 Common equity Tier 1 133,982 10.58 56,987 > 4.50 80,731 > 6.375 82,314 > 6.50 Community State Bank: Total risk-based capital $ 75,233 11.24 % $ 53,567 > 8.00 % $ 66,122 > 9.875 % $ 66,959 > 10.00 % Tier 1 risk-based capital 69,101 10.32 40,175 > 6.00 52,730 > 7.875 53,567 > 8.00 Tier 1 leverage 69,101 9.19 30,070 > 4.00 30,070 > 4.000 37,588 > 5.00 Common equity Tier 1 69,101 10.32 30,131 > 4.50 42,686 > 6.375 43,523 > 6.50 Springfield First Community Bank: Total risk-based capital $ 57,051 12.24 % $ 37,278 > 8.00 % $ 46,016 > 9.875 % $ 46,598 > 10.00 % Tier 1 risk-based capital 51,279 11.00 27,959 > 6.00 36,696 > 7.875 37,278 > 8.00 Tier 1 leverage 51,279 9.39 21,849 > 4.00 21,849 > 4.000 27,312 > 5.00 Common equity Tier 1 51,279 11.00 20,969 > 4.50 29,706 > 6.375 30,289 > 6.50 Rockford Bank & Trust Total risk-based capital $ 50,648 10.89 % $ 37,208 > 8.00 % $ 45,929 > 9.875 % $ 46,511 > 10.00 % Tier 1 risk-based capital 44,821 9.64 27,906 > 6.00 36,627 > 7.875 37,208 > 8.00 Tier 1 leverage 44,821 8.93 20,081 > 4.00 20,081 > 4.000 25,101 > 5.00 Common equity Tier 1 44,821 9.64 20,930 > 4.50 29,650 > 6.375 30,232 > 6.50 * December 31, 2019 minimums reflect the fully phased-in ratios (including the capital conservation buffer). Note 17. Regulatory Capital Requirements and Restrictions on Dividends (continued) The Company’s ability to pay dividends to its stockholders may be affected by both general corporate law considerations and policies of the Federal Reserve applicable to bank holding companies. The payment of dividends by any financial institution or its holding company is affected by the requirement to maintain adequate capital pursuant to applicable capital adequacy guidelines and regulations, and a financial institution generally is prohibited from paying any dividends if, following payment thereof, the institution would be undercapitalized. Notwithstanding the availability of funds for dividends, however, the Federal Reserve may prohibit the payment of any dividends by the subsidiary banks if the Federal Reserve determines such payment would constitute an unsafe or unsound practice. The Company also has certain contractual restrictions on its ability to pay dividends. The Company has issued junior subordinated debentures in four private placements and assumed three issues of junior subordinated debentures in connection with the acquisitions. Under the terms of the debentures, the Company may be prohibited, under certain circumstances, from paying dividends on shares of its common stock. These circumstances did not exist at December 31, 2019 or 2018. In February 2019, the Company completed a subordinated notes offering. See Note 12 of the Consolidated Financial Statements for further information on this subordinated notes offering. On February 18, 2020, the Company announced a share repurchase program, permitting the repurchase of up to 800,000 shares of its outstanding common stock, or approximately 5% of the outstanding shares as of December 31, 2019. The repurchase program permits shares to be repurchased in open market or private transactions, through block trades, and pursuant to any trading plan that may be adopted in accordance with Rules 10b5-1 and 10b-18 of the SEC. The timing, manner, price and amount of any repurchases will be determined by the Company in its discretion and will be subject to economic and market conditions, stock price, applicable legal requiremets and other factors. The repurchase program does not obligate the Company to purchase any particular number of shares.

Note 18 - Earnings per Share

Note 18 - Earnings per Share	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Earnings per Share	Note 18. Earnings per Share The following information was used in the computation of basic and diluted EPS for the years ended December 31, 2019, 2018, and 2017: 2019 2018 2017 (dollars in thousands, except per share data) Net income $ 57,408 $ 43,120 $ 35,707 Basic EPS $ $ $ Diluted EPS $ $ $ Weighted average common shares outstanding* 15,730,016 14,768,687 13,325,128 Weighted average common shares issuable upon exercise of stock options and under the employee stock purchase plan 237,759 296,043 355,344 Weighted average common and common equivalent shares outstanding** 15,967,775 15,064,730 13,680,472 * The increase in weighted average common shares outstanding from 2017 to 2018 and 2019 was primarily due to the common stock issuances that occurred in conjunction with the Springfield Bancshares merger and Guaranty Bank acquisition . ** Excludes anti-dilutive shares of 80,437, 91,954 and 49,919 at December 31, 2019, 2018 and 2017, respectively .

Note 19 - Commitments and Conti

Note 19 - Commitments and Contingencies	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Commitments and Contingencies	Note 19. Commitments and Contingencies In the normal course of business, the subsidiary banks make various commitments and incur certain contingent liabilities that are not presented in the accompanying Consolidated Financial Statements. The commitments and contingent liabilities include various guarantees, commitments to extend credit, and standby letters of credit. Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The subsidiary banks evaluate each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the subsidiary banks upon extension of credit, is based upon management’s credit evaluation of the counterparty. Collateral held varies but may include accounts receivable, marketable securities, inventory, property, plant and equipment, and income-producing commercial properties. Standby letters of credit are conditional commitments issued by the subsidiary banks to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements and, generally, have terms of one year or less. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. The subsidiary banks hold collateral, as described above, supporting those commitments if deemed necessary. In the event the customer does not perform in accordance with the terms of the agreement with the third party, the subsidiary banks would be required to fund the commitments. The maximum potential amount of future payments the subsidiary banks could be required to make is represented by the contractual amount. If the commitment is funded, the subsidiary banks would be entitled to seek recovery from the customer. At December 31, 2019 and 2018, no amounts had been recorded as liabilities for the subsidiary banks’ potential obligations under these guarantees. As of December 31, 2019 and 2018, commitments to extend credit aggregated $1.2 billion. As of December 31, 2019 and 2018, standby letters of credit aggregated $23.8 million and $20.3 million, respectively. Management does not expect that all of these commitments will be funded. The Company has also executed contracts for the sale of mortgage loans in the secondary market in the amount of $3.7 million and $1.3 million as of December 31, 2019 and 2018, respectively. These amounts are included in loans held for sale at the respective balance sheet dates. Residential mortgage loans sold to investors in the secondary market are sold with varying recourse provisions. Essentially, all loan sales agreements require the repurchase of a mortgage loan by the seller in situations such as breach of representation, warranty, or covenant, untimely document delivery, false or misleading statements, failure to obtain certain certificates of insurance, unmarketability, etc. Certain loan sales agreements contain repurchase requirements based on payment-related defects that are defined in terms of the number of days/months since the purchase, the sequence number of the payment, and/or the number of days of payment delinquency. Based on the specific terms stated in the agreements of investors purchasing residential mortgage loans from the Company’s subsidiary banks, the Company had $24.5 million and $12.4 million of sold residential mortgage loans with recourse provisions still in effect at December 31, 2019 and 2018, respectively. The subsidiary banks did not repurchase any loans from secondary market investors under the terms of loans sales agreements during the years ended December 31, 2019, 2018, and 2017. In the opinion of management, the risk of recourse and the subsequent requirement of loan repurchase to the subsidiary banks is not significant, and accordingly no liabilities have been established related to such. Note 19. Commitments and Contingencies (continued) Aside from cash on-hand and in-vault, the majority of the Company’s cash is maintained at upstream correspondent banks. The total amount of cash on deposit, certificates of deposit, and federal funds sold exceeded federal insured limits by approximately $34.6 million and $52.6 million as of December 31, 2019 and 2018, respectively. In the opinion of management, no material risk of loss exists due to the financial condition of the upstream correspondent banks.

Note 20 - Quarterly Results of

Note 20 - Quarterly Results of Operations (Unaudited)	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Quarterly Results of Operations (Unaudited)	Note 20. Quarterly Results of Operations (Unaudited) Year Ended December 31, 2019 March June September December 2019 2019 2019 2019 (dollars in thousands) Total interest income $ 52,101 $ 54,181 $ 56,817 $ 52,977 Total interest expense 15,193 16,168 16,098 13,058 Net interest income 36,908 38,013 40,719 39,919 Provision for loan/lease losses 2,134 1,941 2,012 979 Noninterest income 11,992 17,065 19,906 29,805 Noninterest expense 32,435 36,560 39,945 46,294 Income before taxes 14,331 16,577 18,668 22,451 Federal and state income tax expense (benefit) 1,413 3,073 3,573 6,560 Net income $ 12,918 $ 13,504 $ 15,095 $ 15,891 EPS: Basic $ $ $ $ Diluted $ $ $ $ Year Ended December 31, 2018 March June September December 2018 2018 2018 2018 (dollars in thousands) Total interest income $ 39,546 $ 40,799 $ 49,830 $ 52,704 Total interest expense 7,143 8,714 11,516 13,109 Net interest income 32,403 32,085 38,314 39,595 Provision for loan/lease losses 2,540 2,301 6,206 1,612 Noninterest income 8,541 8,912 8,809 15,278 Noninterest expense 25,863 26,370 30,500 36,410 Income before taxes 12,541 12,326 10,417 16,851 Federal and state income tax expense 1,991 1,881 1,608 3,535 Net income $ 10,550 $ 10,445 $ 8,809 $ 13,316 EPS: Basic $ $ $ $ Diluted $ $ $ $

Note 21 - Parent Company Only F

Note 21 - Parent Company Only Financial Statements	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Parent Company Only Financial Statements	Note 21. Parent Company Only Financial Statements The following is condensed financial information of QCR Holdings, Inc. (parent company only): Condensed Balance Sheets 2019 2018 (dollars in thousands) Assets Cash and due from banks $ 59,529 $ 6,606 Interest-bearing deposits at financial institutions 5,601 1,001 Investment in bank subsidiaries 570,698 532,164 Investment in nonbank subsidiaries 13,239 4,880 Premises and equipment, net 9,424 6,956 Goodwill 682 3,766 Intangibles 1,503 1,855 Other assets 15,150 14,794 Total assets $ 675,826 $ 572,022 Liabilities and Stockholders' Equity Liabilities: Other borrowings $ — $ 32,250 Subordinated notes 63,531 — Junior subordinated debentures 37,838 37,670 Other liabilities 39,106 28,964 Total liabilities 140,475 98,884 Stockholders' Equity: Common stock 15,828 15,718 Additional paid-in capital 274,785 270,761 Retained earnings 245,836 192,203 Accumulated other comprehensive loss (1,098) (5,544) Total stockholders' equity 535,351 473,138 Total liabilities and stockholders' equity $ 675,826 $ 572,022 Note 21. Parent Company Only Financial Statements (continued) Condensed Statements of Income 2019 2018 2017 (dollars in thousands) Total interest income $ 77 $ 88 $ 13 Equity in net income of bank subsidiaries 69,966 55,209 45,104 Equity in net income of nonbank subsidiaries 6,797 (436) 75 Securities gains — — 6 Other 314 (322) 3 Total income 77,154 54,539 45,201 Interest expense 5,836 3,637 2,658 Salaries and employee benefits 8,739 6,598 5,022 Professional fees 1,545 1,872 1,345 Acquisition costs — 1,654 1,069 Post-acquisition compensation, transition and integration costs 3,171 165 3,151 Disposition costs 1,606 — — Goodwill impairment 3,000 — — Other 2,147 1,026 1,134 Total expenses 26,044 14,952 14,379 Income before income tax benefit 51,110 39,587 30,822 Income tax benefit 6,298 3,533 4,885 Net income $ 57,408 $ 43,120 $ 35,707 Note 21. Parent Company Only Financial Statements (continued) Condensed Statements of Cash Flows 2019 2018 2017 (dollars in thousands) Cash Flows from Operating Activities: Net income $ 57,408 $ 43,120 $ 35,707 Adjustments to reconcile net income to net cash provided by operating activities: Earnings of bank subsidiaries (69,966) (55,209) (45,104) Earnings (losses) of nonbank subsidiaries (6,797) 436 (75) Distributions from bank subsidiaries — 34,500 21,000 Distributions from nonbank subsidiaries 45,058 63 39 Accretion of acquisition fair value adjustments 305 183 149 Depreciation 327 249 225 Stock-based compensation expense 2,469 1,443 1,187 Securities gains, net — — (6) Goodwill impairment 3,000 — — Decrease (increase) in other assets 26 2,232 (969) (Decrease) increase in other liabilities 7,814 (7,226) (6,919) Net cash provided by operating activities 39,644 19,791 5,234 Cash Flows from Investing Activities: Net increase (decrease) in interest-bearing deposits at financial institutions (4,600) (1,000) — Activity in securities portfolio: Calls, maturities and redemptions — — 6 Sales — — 32 Capital infusion, bank subsidiaries (8,600) (3,500) — Capital infusion, non-bank subsidiaries (100) — — Net cash paid for acquisitions — (5,183) (3,369) Purchase of premises and equipment (2,861) (2,257) (69) Net cash (used in) investing activities (16,161) (11,940) (3,400) Cash Flows from Financing Activities: Activity in other borrowings: Proceeds from other borrowings — 9,000 7,000 Paydown on revolving line of credit (9,000) — — Prepayments (21,313) — — Calls, maturities and scheduled payments (1,799) (12,550) (11,000) Proceeds from subordinated notes 63,393 — — Payment of cash dividends on common and preferred stock (3,767) (3,300) (2,494) Proceeds from issuance of common stock, net 1,926 1,279 2,056 Net cash provided by (used in) financing activities 29,440 (5,571) (4,438) Net increase (decrease) in cash and due from banks 52,923 2,280 (2,604) Cash and due from banks: Beginning 6,606 4,326 6,930 Ending $ 59,529 $ 6,606 $ 4,326

Note 22 - Fair Value

Note 22 - Fair Value	12 Months Ended
	Dec. 31, 2019
Fair Value
Fair Value	Note 22. Fair Value Accounting guidance on fair value measurements 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 measured at fair value on a recurring basis comprised the following at December 31, 2019 and 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) December 31, 2019: Securities AFS: U.S. govt. sponsored agency securities $ 20,078 $ — $ 20,078 $ — Residential mortgage-backed and related securities 120,587 — 120,587 — Municipal securities 48,257 — 48,257 — Other securities 21,773 — 21,773 — Interest rate caps 3,148 — 3,148 — Interest rate swaps - assets 84,679 — 84,679 — Total assets measured at fair value $ 298,522 $ — $ 298,522 $ — Interest rate swaps - liabilities $ 88,437 $ — $ 88,437 $ — Total liabilities measured at fair value $ 88,437 $ — $ 88,437 $ — December 31, 2018: Securities AFS: U.S. govt. sponsored agency securities $ 36,411 $ — $ 36,411 $ — Residential mortgage-backed and related securities 159,249 — 159,249 — Municipal securities 58,546 — 58,546 — Other securities 6,850 — 6,850 — Interest rate caps 459 — 459 — Interest rate swaps - assets 22,196 — 22,196 — Total assets measured at fair value $ 283,711 $ — $ 283,711 $ — Interest rate swaps - liabilities $ 23,347 $ — $ 23,347 $ — Total liabilities measured at fair value $ 23,347 $ — $ 23,347 $ — There were no transfers of assets or liabilities between Levels 1, 2, and 3 of the fair value hierarchy during the years ended December 31, 2019 or 2018. The remainder of the securities available for sale 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). Note 22. Fair Value (continued) Interest rate caps are used for the purpose of hedging interest rate risk. See Note 7 to the Consolidated Financial Statements for the details of these instruments. The fair values are determined by pricing models that consider observable market data for derivative instruments with similar structures (Level 2 inputs). Interest rate swaps are used for the purpose of hedging interest rate risk on junior subordinated debt. See Note 7 to the Consolidated Financial Statements for the details of these instruments. 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 executed for select commercial customers. See Note 7 to the Consolidated Financial Statements for the detail of these instruments. The fair values are determined by comparing the contractual 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 comprised the following at December 31, 2019 and 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) December 31, 2019: Impaired loans/leases $ 3,394 $ — $ — $ 3,394 OREO 4,459 — — 4,459 $ 7,853 $ — $ — $ 7,853 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 a 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 may be 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. Other real estate owned 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 a 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. Note 22. Fair Value (continued) 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 December 31, December 31, 2019 2018 Valuation Technique Unobservable Input Range (dollars in thousands) Impaired loans/leases $ 3,394 $ 9,657 Appraisal of collateral Appraisal adjustments % to % OREO 4,459 10,128 Appraisal of collateral Appraisal adjustments % to % For impaired loans/leases and other real estate owned, 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 measured at fair value during the years ended December 31, 2019 or 2018. The following table presents the carrying values and estimated fair values of financial assets and liabilities carried on the Company’s consolidated balance sheet, 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 December 31, 2019 As of December 31, 2018 Hierarchy Carrying Estimated Carrying Estimated Level Value Fair Value Value Fair Value (dollars in thousands) Cash and due from banks Level 1 $ 76,254 $ 76,254 $ 85,523 $ 85,523 Federal funds sold Level 2 9,800 9,800 26,398 26,398 Interest-bearing deposits at financial institutions Level 2 147,891 147,891 133,198 133,198 Investment securities: HTM Level 2 400,646 426,545 401,913 400,770 AFS * 210,695 210,695 261,056 261,056 Loans/leases receivable, net Level 3 3,143 3,394 8,942 9,657 Loans/leases receivable, net Level 2 3,651,061 3,606,520 3,683,965 3,639,329 Interest rate caps Level 2 3,148 3,148 459 459 Interest rate swaps - assets Level 2 84,679 84,679 22,196 22,196 Deposits: Nonmaturity deposits Level 2 3,184,726 3,184,726 3,002,327 3,002,327 Time deposits Level 2 726,325 742,444 974,704 968,906 Short-term borrowings Level 2 13,423 13,423 28,774 28,774 FHLB advances Level 2 159,300 159,193 266,492 265,926 Other borrowings Level 2 — — 67,250 67,770 Subordinated notes Level 2 68,394 68,563 4,782 4,933 Junior subordinated debentures Level 2 37,838 30,477 37,670 29,992 Interest rate swaps - liabilities Level 2 88,437 88,437 23,347 23,347

Note 23 - Business Segment Info

Note 23 - Business Segment Information	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Business Segment Information	Note 23. 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 which are the f our subsidiary banks wholly-owned by the Company: QCBT, CRBT, CSB and SFC Bank. Each of these secondary segments offer similar products and services, but are 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 trust and asset management and investment management and advisory services offered at the Company’s three subsidiary banks 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 corporate operations of the parent and operations of all other consolidated subsidiaries and/or defined operating segments that fall below the segment reporting thresholds. The financial results for RB&T prior to the sale of the majority of its assets and liabilities at November 30, 2019 are also included in the Company’s All Other segment as are the assets held for sale at December 31, 2019. Selected financial information on the Company’s business segments, with all intercompany accounts and transactions eliminated, is presented as follows as of and for the years ended December 31, 2019, 2018, and 2017: Commercial Banking Wealth Intercompany Consolidated QCBT CRBT* CSB SFC Bank Management All other* Eliminations Total (dollars in thousands) Twelve Months Ended December 31, 2019 Total revenue $ 79,418 $ 93,147 $ 41,589 $ 31,569 $ 16,553 $ 32,791 $ (223) $ 294,844 Net interest income 52,097 44,310 31,370 21,422 — 6,360 — 155,559 Provision 3,433 1,080 679 1,315 — 559 — 7,066 Net income (loss) from continuing operations 19,006 26,940 10,824 8,243 3,567 (11,172) — 57,408 Goodwill 3,223 14,980 9,888 45,975 — 682 — 74,748 Intangibles — 2,684 3,980 6,802 — 1,504 — 14,970 Total assets 1,682,477 1,572,324 853,834 748,753 — 116,968 (65,306) 4,909,050 Twelve Months Ended December 31, 2018 Total revenue $ 69,691 $ 69,864 $ 36,069 $ 15,152 $ 13,433 $ 21,082 $ (871) $ 224,420 Net interest income 48,682 43,038 28,763 11,835 — 10,077 — 142,395 Provision 3,693 1,833 1,523 990 — 4,619 — 12,658 Net income (loss) from continuing operations 18,347 20,044 8,389 4,816 2,952 (11,428) — 43,120 Goodwill 3,223 14,980 9,888 45,975 — 3,766 — 77,832 Intangibles — 3,186 4,675 7,735 — 1,854 — 17,450 Total assets 1,623,369 1,379,222 785,364 632,849 — 555,293 (26,387) 4,949,710 Twelve Months Ended December 31, 2017 Total revenue $ 58,056 $ 45,367 $ 31,944 $ — $ 11,058 $ 20,074 $ (500) $ 165,999 Net interest income 46,407 31,042 27,021 — — 11,595 — 116,065 Provision for loan/lease losses 3,909 1,050 2,783 — — 728 — 8,470 Net income (loss) 22,095 10,712 7,048 — 2,241 (6,389) — 35,707 Goodwill 3,223 15,223 9,888 — — — — 28,334 Intangibles — 3,694 5,385 — — — — 9,079 Total assets 1,541,778 1,307,377 670,516 — — 489,918 (26,924) 3,982,665 * Includes financial results for Guaranty Bank for the period from October 1, 2017 through December 2, 2017, when Guaranty Bank was merged into CRBT and financial results for RB&T for the years 2017, 2018 and the period from January 1, 2019 through November 30, 2019, prior to the sale of the majority of its assets and liabilities.

Note 1 - Nature of Business a_2

Note 1 - Nature of Business and Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2019
Accounting Policies
Basis of presentation	Basis of presentation: The acronyms and abbreviations identified below are used in the Notes to the Consolidated Financial Statements, as well as in the other sections of this Annual Report on Form 10‑K (including appendices). It may be helpful to refer back to this page as you read this report. Allowance: Allowance for estimated losses on loans/leases HTM: Held to maturity AOCI: Accumulated other comprehensive income (loss) IB&T: Illinois Bank & Trust AFS: Available for sale IDFPR: Illinois Department of Financial & Professional ASC: Accounting Standards Codification Regulation ASC 805: Business Combination Standard Iowa Superintendent: Iowa Superintendent of Banking ASU: Accounting Standards Update Bates Companies: Bates Financial Advisors, Inc., Bates LCR: Liquidity Coverage Ratio LIBOR: London Inter-Bank Offered Rate Financial Services, Inc., Bates Securities, Inc. and Batess m2: m2 Lease Funds, LLC Financial Group, Inc. MD&A: Management’s Discussion & Analysis BBA: British Bankers’ Association. Missouri Division of Finance: Missouri Department of BHCA: Bank Holding Company Act of 1956 Commerce and Insurance BOLI: Bank-owned life insurance MSA: Metropolitan Statistical Area Caps: Interest rate cap derivatives NIM: Net interest margin CECL: Current Expected Credit Losses NPA: Nonperforming asset CFPB: Bureau of Consumer Financial Protection NPL: Nonperforming loan NSFR: Net Stable Funding Ratio CDI: Core deposit intangible OREO: Other real estate owned Community National: Community National Bancorporation OTTI: Other-than-temporary impairment CNB: Community National Bank PCAOB: Public Company Accounting Oversight Board CRA: Community Reinvestment Act PCI: Purchased credit impaired CRBT: Cedar Rapids Bank & Trust Company Provision: Provision for loan/lease losses CRE: Commercial real estate PUD LOC: Public Unit Deposit Letter of Credit CRE Guidance: Interagency Concentrations in Commercial QCBT: Quad City Bank & Trust Company Real Estate Lending, Sound Risk Management Practices QCIA: Quad Cities Investment Advisors guidance RB&T: Rockford Bank & Trust Company CSB: Community State Bank ROAA: Return on Average Assets C&I: Commercial and industrial ROACE: Return on Average Common Equity Dodd-Frank Act: Dodd-Frank Wall Street Reform and ROAE: Return on Average Equity Consumer Protection Act SBA: U.S. Small Business Administration DGCL: Delaware General Corporation Law SEC: Securities and Exchange Commission DIF: Deposit Insurance Fund SFC Bank: Springfield First Community Bank EPS: Earnings per share SERPs: Supplemental Executive Retirement Plans Exchange Act: Securities Exchange Act of 1934, as Springfield Bancshares: Springfield Bancshares, Inc. amended TA: Tangible assets FASB: Financial Accounting Standards Board Tax Act: Tax Cuts and Jobs Act FDIC: Federal Deposit Insurance Corporation TCE: Tangible common equity Federal Reserve: Board of Governors of the Federal Reserve TDRs: Troubled debt restructurings System TEY: Tax equivalent yield FHLB: Federal Home Loan Bank The Company: QCR Holdings, Inc. FICO: Financing Corporation Treasury: U.S. Department of the Treasury FRB: Federal Reserve Bank of Chicago USA Patriot Act: Uniting and Strengthening America by FTEs: Full-time equivalents Providing Appropriate Tools Required to Intercept GAAP: Generally Accepted Accounting Principles and Obstruct Terrorism Act of 2001 Guaranty: Guaranty Bankshares, Ltd. USDA: U.S. Department of Agriculture Guaranty Bank: Guaranty Bank and Trust Company
Accounting estimates	Accounting estimates : The preparation of financial statements, in conformity with GAAP, requires management to make estimates and assumptions that affect the reported amount of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance, OTTI of securities, impairment of goodwill, the fair value of financial instruments, and the fair value of assets acquired/liabilities assumed in a business combination.
Principles of consolidation	Principles of consolidation : The accompanying Consolidated Financial Statements include the accounts of the Company and its subsidiaries, except those six subsidiaries formed for the issuance of trust preferred securities which do not meet the criteria for consolidation. See Note 13 for a detailed listing of these subsidiaries. All material intercompany accounts and transactions have been eliminated in consolidation.
Presentation of cash flows	Presentation of cash flows : For purposes of reporting cash flows, cash and due from banks include cash on hand and noninterest bearing amounts due from banks. Cash flows from federal funds sold, interest bearing deposits at financial institutions, loans/leases, deposits, short-term borrowings and overnight and short-term FHLB advances are treated as net increases or decreases. Cash and due from banks : The subsidiary banks are required by federal banking regulations to maintain certain cash and due from bank reserves. The reserve requirement was approximately $38,060,000 and $33,372,000 as of December 31, 2019 and 2018, respectively.
Investment securities	Investment securities : Investment securities HTM are those debt securities that the Company has the ability and intent to hold until maturity regardless of changes in market conditions, liquidity needs, or changes in general economic conditions. Such securities are carried at cost adjusted for amortization of premiums and accretion of discounts. If the ability or intent to hold to maturity is not present for certain specified securities, such securities are considered AFS as the Company intends to hold them for an indefinite period of time but not necessarily to maturity. Any decision to sell a security classified as AFS would be based on various factors, including movements in interest rates, changes in the maturity mix of the Company’s assets and liabilities, liquidity needs, regulatory capital considerations, and other factors. Securities AFS are carried at fair value. Unrealized gains or losses, net of taxes, are reported as increases or decreases in AOCI. Realized gains or losses, determined on the basis of the cost of specific securities sold, are included in earnings. All debt securities are evaluated to determine whether declines in fair value below their amortized cost are other-than-temporary. In estimating OTTI losses on debt securities, management considers a number of factors including, but not limited to, (1) the length of time and extent to which the fair value has been less than amortized cost, (2) the financial condition and near-term prospects of the issuer, (3) the current market conditions, and (4) the lack of intent of the Company to sell the security prior to recovery and whether it is not more-likely-than-not that it will be required to sell the security prior to recovery. If the Company lacks the intent to sell the debt security, and it is not more-likely-than-not the entity will be required to sell the security before recovery of its amortized cost basis, the Company will recognize the credit component of an OTTI of a debt security in earnings and the remaining portion in other comprehensive income. For held to maturity debt securities, the amount of an OTTI recorded in other comprehensive income for the noncredit portion would be amortized prospectively over the remaining life of the security on the basis of the timing of future estimated cash flows of the security.
Loans receivable, held for sale	Loans receivable, held for sale : Residential real estate loans which are originated and intended for resale in the secondary market in the foreseeable future are classified as held for sale. These loans are carried at the lower of cost or estimated market value in the aggregate. As assets specifically acquired for resale, the origination of, disposition of, and gain/loss on these loans are classified as operating activities in the statement of cash flows.
Loans receivable, held for investment	Loans receivable, held for investment : Loans that management has the intent and ability to hold for the foreseeable future, or until pay-off or maturity occurs, are classified as held for investment. These loans are stated at the amount of unpaid principal adjusted for charge-offs, the allowance, and any deferred fees and/or costs on originated loans. Interest is credited to earnings as earned based on the principal amount outstanding. Deferred direct loan origination fees and/or costs are amortized as an adjustment of the related loan’s yield. As assets held for and used in the Note 1. Nature of Business and Significant Account Policies (continued) production of services, the origination and collection of these loans are classified as investing activities in the statement of cash flows. The Company discloses the allowance for credit losses (also known as the allowance) by portfolio segment, and credit quality information, impaired financing receivables, nonaccrual status, and TDRs by class of financing receivable. A portfolio segment is the level at which the Company develops and documents a systematic methodology to determine its allowance for credit losses. A class of financing receivable is a further disaggregation of a portfolio segment based on risk characteristics and the Company’s method for monitoring and assessing credit risk. See the following information and Note 4. The Company’s portfolio segments are as follows: · C&I · CRE · Residential real estate · Installment and other consumer Direct financing leases are considered a segment within the overall loan/lease portfolio. The Company’s classes of loans receivable are as follows: · C&I · Owner-occupied CRE · Commercial construction, land development, and other land loans that are not owner-occupied CRE · Other non-owner-occupied CRE · Residential real estate · Installment and other consumer Direct financing leases are considered a class of financing receivable within the overall loan/lease portfolio. The accounting policies for direct financing leases are disclosed below. Generally, for all classes of loans receivable, loans are considered past due when contractual payments are delinquent for 31 days or greater. For all classes of loans receivable, loans will generally be placed on nonaccrual status when the loan has become 90 days past due (unless the loan is well secured and in the process of collection); or if any of the following conditions exist: · It becomes evident that the borrower will not make payments, or will not or cannot meet the terms for renewal of a matured loan; · When full repayment of principal and interest is not expected; · When the loan is graded “doubtful”; · When the borrower files bankruptcy and an approved plan of reorganization or liquidation is not anticipated in the near future; or · When foreclosure action is initiated. Note 1. Nature of Business and Significant Account Policies (continued) When a loan is placed on nonaccrual status, income recognition is ceased. Previously recorded but uncollected amounts of interest on nonaccrual loans are reversed at the time the loan is placed on nonaccrual status. Generally, cash collected on nonaccrual loans is applied to principal. Should full collection of principal be expected, cash collected on nonaccrual loans can be recognized as interest income. For all classes of loans receivable, nonaccrual loans may be restored to accrual status provided the following criteria are met: · The loan is current, and all principal and interest amounts contractually due have been made; · All principal and interest amounts contractually due, including past due payments, are reasonably assured of repayment within a reasonable period; and · There is a period of minimum repayment performance, as follows, by the borrower in accordance with contractual terms: o Six months of repayment performance for contractual monthly payments, or o One year of repayment performance for contractual quarterly or semi-annual payments. Direct finance leases receivable, held for investment : The Company leases machinery and equipment to customers under leases that qualify as direct financing leases for financial reporting and as operating leases for income tax purposes. Under the direct financing method of accounting, the minimum lease payments to be received under the lease contract, together with the estimated unguaranteed residual values (approximately 3% to 25% of the cost of the related equipment), are recorded as lease receivables when the lease is signed and the lease property delivered to the customer. The excess of the minimum lease payments and residual values over the cost of the equipment is recorded as unearned lease income. Unearned lease income is recognized over the term of the lease on a basis that results in an approximate level rate of return on the unrecovered lease investment. Lease income is recognized on the interest method. Residual value is the estimated fair market value of the equipment on lease at lease termination. In estimating the equipment’s fair value at lease termination, the Company relies on historical experience by equipment type and manufacturer and, where available, valuations by independent appraisers, adjusted for known trends. The Company’s estimates are reviewed continuously to ensure reasonableness; however, the amounts the Company will ultimately realize could differ from the estimated amounts. If the review results in a lower estimate than had been previously established, a determination is made as to whether the decline in estimated residual value is other-than-temporary. If the decline in estimated unguaranteed residual value is judged to be other-than-temporary, the accounting for the transaction is revised using the changed estimate. The resulting reduction in the investment is recognized as a loss in the period in which the estimate is changed. An upward adjustment of the estimated residual value is not recorded. The policies for delinquency and nonaccrual for direct financing leases are materially consistent with those described above for all classes of loan receivables. The Company defers and amortizes fees and certain incremental direct costs over the contractual term of the lease as an adjustment to the yield. In periods prior to and including December 31, 2018, these initial direct leasing costs approximated 5.5% of the leased asset’s cost. With the adoption of ASU 2016-02 on January 1, 2019, a portion of these costs were expensed instead of deferred. Initial direct leasing costs were 3.9% of the leased asset’s cost in 2019. The unamortized direct costs are recorded as a reduction of unearned lease income.
Troubled debt restructuring	TDRs : TDRs exist when the Company, for economic or legal reasons related to the borrower’s/lessee’s financial difficulties, grants a concession (either imposed by court order, law, or agreement between the borrower/lessee and the Company) to the borrower/lessee that it would not otherwise consider. The Company attempts to maximize its recovery of the balances of the loans/leases through these various concessionary restructurings. The following criteria, related to granting a concession, together or separately, create a TDR: · A modification of terms of a debt such as one or a combination of: o The reduction of the stated interest rate to a rate lower than the current market rate for new debt with similar risk. o The extension of the maturity date or dates at a stated interest rate lower than the current market rate for new debt with similar risk. o The reduction of the face amount or maturity amount of the debt as stated in the instrument or other agreement. o The reduction of accrued interest. · A transfer from the borrower/lessee to the Company of receivables from third parties, real estate, other assets, or an equity position in the borrower to fully or partially satisfy a loan. · The issuance or other granting of an equity position to the Company to fully or partially satisfy a debt unless the equity position is granted pursuant to existing terms for converting the debt into an equity position.
Allowance	Allowance : For all portfolio segments, the allowance is established as losses are estimated to have occurred through a provision that is charged to earnings. Loan/lease losses, for all portfolio segments, are charged against the allowance when management believes the uncollectability of a loan/lease balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. For all portfolio segments, the allowance is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans/leases in light of historical experience, the nature and volume of the loan/lease portfolio, adverse situations that may affect the borrower’s/lessee’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. The loan/lease portfolio is reviewed and analyzed quarterly with specific detailed reviews completed on all credits risk-rated less than “fair quality” and carrying aggregate exposure in excess of $250 thousand. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. A discussion of the risk characteristics and the allowance by each portfolio segment follows: For C&I loans, the Company focuses on small and mid-sized businesses with primary operations as wholesalers, manufacturers, building contractors, business services companies, other banks, and retailers. The Company provides a wide range of C&I loans, including lines of credit for working capital and operational purposes, and term loans for the acquisition of facilities, equipment and other purposes. Approval is generally based on the following factors: · Ability and stability of current management of the borrower; · Stable earnings with positive financial trends; · Sufficient cash flow to support debt repayment; · Earnings projections based on reasonable assumptions; · Financial strength of the industry and business; and · Value and marketability of collateral. Note 1. Nature of Business and Significant Account Policies (continued) Collateral for C&I loans generally includes accounts receivable, inventory, equipment and real estate. The Company’s lending policy specifies approved collateral types and corresponding maximum advance percentages. The value of collateral pledged on loans must exceed the loan amount by a margin sufficient to absorb potential erosion of its value in the event of foreclosure and cover the loan amount plus costs incurred to convert it to cash. The Company’s lending policy specifies maximum term limits for C&I loans. For term loans, the maximum term is generally 7 years with average terms ranging from 3 to 5 years. For low-income housing tax credit permanent loans, the maximum term is generally up to 20 years. For lines of credit, the maximum term is generally 365 days. In addition, the Company often takes personal guarantees or cosigners to help assure repayment. Loans may be made on an unsecured basis if warranted by the overall financial condition of the borrower. CRE loans are subject to underwriting standards and processes similar to C&I loans, in addition to those standards and processes specific to real estate loans. Collateral for CRE loans generally includes the underlying real estate and improvements, and may include additional assets of the borrower. The Company’s lending policy specifies maximum loan-to-value limits based on the category of CRE (CRE loans on improved property, raw land, land development, and commercial construction). These limits are the same limits established by regulatory authorities. The Company’s lending policy also includes guidelines for real estate appraisals, including minimum appraisal standards based on certain transactions. In addition, the Company often takes personal guarantees to help assure repayment. In addition, management tracks the level of owner-occupied CRE loans versus non-owner occupied loans. Owner-occupied loans are generally considered to have less risk. As of December 31, 2019 and 2018, approximately 26% and 28%, respectively, of the CRE loan portfolio was owner-occupied. The Company’s lending policy incorporates regulatory guidelines which stipulate that non-owner occupied CRE lending in excess of 300% of total risk-based capital, and construction, land development, and other land loans in excess of 100% of total risk-based capital warrant the use of heightened risk management practices. As of December 31, 2019 and 2018, QCBT and CRBT were in compliance with these limits. Although CSB’s and SFC Bank’s loan portfolio have historically been real estate dominated and the real estate portfolio levels at each bank exceed these policy limits, a Credit Risk Committee has been established to routinely monitor its real estate loan portfolio. CSB’s real estate levels, while still elevated at December 31, 2019, have declined since December 31, 2018. In some instances for all loans/leases, it may be appropriate to originate or purchase loans/leases that are exceptions to the guidelines and limits established within the Company’s lending policy described above and below. In general, exceptions to the lending policy do not significantly deviate from the guidelines and limits established within the Company’s lending policy and, if there are exceptions, they are clearly noted as such and specifically identified in loan/lease approval documents. For C&I and CRE loans, the allowance consists of specific and general components. The specific component relates to loans that are classified as impaired, as defined below. For those loans that are classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan are lower than the carrying value of that loan. Note 1. Nature of Business and Significant Account Policies (continued) For C&I loans and all classes of CRE loans, a loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal and interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a case-by-case basis by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent. The general component consists of quantitative and qualitative factors and covers non-impaired loans. The quantitative factors are based on historical charge-off experience and expected loss given default derived from the Company’s internal risk rating process. See below for a detailed description of the Company’s internal risk rating scale. The qualitative factors are determined based on an assessment of internal and/or external influences on credit quality that are not fully reflected in the historical loss or risk rating data. For C&I and CRE loans, the Company utilizes the following internal risk rating scale: 1. Highest Quality (Pass) – loans of the highest quality with no credit risk, including those fully secured by subsidiary bank certificates of deposit and U.S. government securities. 2. Superior Quality (Pass) – loans with very strong credit quality. Borrowers have exceptionally strong earnings, liquidity, capital, cash flow coverage, and management ability. Includes loans secured by high quality marketable securities, certificates of deposit from other institutions, and cash value of life insurance. Also includes loans supported by U.S. government, state, or municipal guarantees. 3. Satisfactory Quality (Pass) – loans with satisfactory credit quality. Established borrowers with satisfactory financial condition, including credit quality, earnings, liquidity, capital and cash flow coverage. Management is capable and experienced. Collateral coverage and guarantor support, if applicable, are more than adequate. Includes loans secured by personal assets and business assets, including equipment, accounts receivable, inventory, and real estate. 4. Fair Quality (Pass) – loans with moderate but still acceptable credit quality. The primary repayment source remains adequate; however, management’s ability to maintain consistent profitability is unproven or uncertain. Borrowers exhibit acceptable leverage and liquidity. May include new businesses with inexperienced management or unproven performance records in relation to peer, or borrowers operating in highly cyclical or declining industries. 5. Early Warning (Pass) – loans where the borrowers have generally performed as agreed, however unfavorable financial trends exist or are anticipated. Earnings may be erratic, with marginal cash flow or declining sales. Borrowers reflect leveraged financial condition and/or marginal liquidity. Management may be new and a track record of performance has yet to be developed. Financial information may be incomplete, and reliance on secondary repayment sources may be increasing. Note 1. Nature of Business and Significant Account Policies (continued) 6. Special Mention – loans where the borrowers exhibit credit weaknesses or unfavorable financial trends requiring close monitoring. Weaknesses and adverse trends are more pronounced than Early Warning loans, and if left uncorrected, may jeopardize repayment according to the contractual terms. Currently, no loss of principal or interest is expected. Borrowers in this category have deteriorated to the point that it would be difficult to refinance with another lender. Special Mention should be assigned to borrowers in turnaround situations. This rating is intended as a transitional rating, therefore, it is generally not assigned to a borrower for a period of more than one year. 7. Substandard – loans which are inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if applicable. These loans have a well-defined weakness or weaknesses which jeopardize repayment according to the contractual terms. There is distinct loss potential if the weaknesses are not corrected. Includes loans with insufficient cash flow coverage which are collateral dependent, other real estate owned, and repossessed assets. 8. Doubtful – loans which have all the weaknesses inherent in a Substandard loan, with the added characteristic that existing weaknesses make full principal collection, on the basis of current facts, conditions and values, highly doubtful. The possibility of loss is extremely high, but because of pending factors, recognition of a loss is deferred until a more exact status can be determined. All doubtful loans will be placed on non-accrual, with all payments, including principal and interest, applied to principal reduction The Company has certain loans risk-rated 7 (substandard), which are not classified as impaired based on the facts of the credit. For these non-impaired and risk-rated 7 loans, the Company does not follow the same allowance methodology as it does for all other non-impaired, collectively evaluated loans. Rather, the Company performs a more detailed analysis including evaluation of the cash flow and collateral valuations. Based upon this evaluation, an estimate of the probable loss in this portfolio is collectively evaluated under ASC 450‑20. These non-impaired risk-rated 7 loans exist primarily in the C&I and CRE segments. For term C&I and CRE loans greater than $1,000,000, a loan review is required within 15 months of the most recent credit review. The review is completed in enough detail to, at a minimum, validate the risk rating. Additionally, the review shall include an analysis of debt service requirements, covenant compliance, if applicable, and collateral adequacy. The frequency of the review is generally accelerated for loans with poor risk ratings. The Company’s Loan Quality area performs a documentation review of a sampling of C&I and CRE loans, the primary purpose of which is to ensure the credit is properly documented and closed in accordance with approval authorities and conditions. A review is also performed by the Company’s Internal Audit Department of a sampling of C&I and CRE loans for proper documentation, according to an approved schedule. Validation of the risk rating is also part of Internal Audit’s review (performed by Internal Loan Review). Additionally, over the past several years, the Company has contracted an independent outside third party to review a sampling of C&I and CRE loans. Validation of the risk rating is part of this review as well. The Company leases machinery and equipment to C&I customers under direct financing leases. All lease requests are subject to the credit requirements and criteria as set forth in the lending/leasing policy. In all cases, a formal independent credit analysis of the lessee is performed. For direct financing leases, the allowance consists of specific and general components. Note 1. Nature of Business and Significant Account Policies (continued) The specific component relates to leases that are classified as impaired, as defined for commercial loans above. For those leases that are classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired lease is lower than the carrying value of that lease. The general component consists of quantitative and qualitative factors and covers nonimpaired leases. The quantitative factors are based on historical charge-off experience for the entire lease portfolio. The qualitative factors are determined based on an assessment of internal and/or external influences on credit quality that are not fully reflected in the historical loss data. Generally, the Company’s residential real estate loans conform to the underwriting requirements of Freddie Mac and Fannie Mae to allow the subsidiary banks to resell loans in the secondary market. The subsidiary banks structure most loans that will not conform to those underwriting requirements as adjustable rate mortgages that mature or adjust in one to five years or fixed rate mortgages that mature in 15 years, and then retain these loans in their portfolios. Servicing rights are not presently retained on the loans sold in the secondary market. The Company’s lending policy establishes minimum appraisal and other credit guidelines. The Company provides many types of installment and other consumer loans including motor vehicle, home improvement, home equity, signature loans and small personal credit lines. The Company’s lending policy addresses specific credit guidelines by consumer loan type. For residential real estate loans, and installment and other consumer loans, these large groups of smaller balance homogenous loans are collectively evaluated for impairment. The Company applies a quantitative factor based on historical charge-off experience in total for each of these segments. Accordingly, the Company generally does not separately identify individual residential real estate loans, and/or installment or other consumer loans for impairment disclosures, unless such loans are the subject of a restructuring agreement due to financial difficulties of the borrower. TDRs are considered impaired loans/leases and are subject to the same allowance methodology as described above for impaired loans/leases by portfolio segment. Once a loan is classified as a TDR, it will remain a TDR until the loan is paid off, charged off, moved to OREO or restructured into a new note without a concession. TDR status may also be removed if the TDR was restructured in a prior calendar year, is current, accruing interest and shows sustained performance.
Credit related financial instruments	Credit related financial instruments : In the ordinary course of business, the Company has entered into commitments to extend credit and standby letters of credit. Such financial instruments are recorded when they are funded.
Transfers of financial assets	Transfers of financial assets : Transfers of financial assets are accounted for as sales only when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when: (1) the assets have been isolated from the Company, (2) the transferee obtains the right to pledge or exchange the assets it received, and no condition both constrains the transferee from taking advantage of its right to pledge or exchange and provides more than a modest benefit to the transferor, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity or the ability to unilaterally cause the holder to return specific assets. In addition, for transfers of a portion of financial assets (for example, participations of loan receivables), the transfer must meet the definition of a “participating interest” in order to account for the transfer as a sale. Following are the characteristics of a “participating interest”: · Pro-rata ownership in an entire financial asset. Note 1. Nature of Business and Significant Account Policies (continued) · From the date of the transfer, all cash flows received from entire financial assets are divided proportionately among the participating interest holders in an amount equal to their share of ownership. · The rights of each participating interest holder have the same priority, and no participating interest holder’s interest is subordinated to the interest of another participating interest holder. That is, no participating interest holder is entitled to receive cash before any other participating interest holder under its contractual rights as a participating interest holder. · No party has the right to pledge or exchange the entire financial asset unless all participating interest holders agree to pledge or exchange the entire financial asset.
Bank owned life insurance	BOLI : BOLI is carried at cash surrender value with increases/decreases reflected as income/expense in the statement of income.
Premises and equipment	Premises and equipment : Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed primarily by the straight-line method over the estimated useful lives of the assets.
Restricted investment securities	Restricted investment securities : Restricted investment securities represent FHLB and FRB common stock. The stock is carried at cost. These equity securities are “restricted” in that they can only be sold back to the respective institution or another member institution at par. Therefore, they are less liquid than other tradable equity securities. The Company views its investment in restricted stock as a long-term investment. Accordingly, when evaluating for impairment, the value is determined based on the ultimate recovery of the par value, rather than recognizing temporary declines in value. There have been no other-than-temporary write-downs recorded on these securities.
Real estate	OREO : Real estate acquired through, or in lieu of, loan foreclosures, is held for sale and initially recorded at fair value less costs to sell, establishing a new cost basis. Any writedown to fair value taken at the time of foreclosure is charged to the allowance. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less costs to sell. Subsequent write-downs to fair value are charged to earnings.
Repossessed assets	Repossessed assets : Equipment or other non-real estate property acquired through, or in lieu of foreclosure, is held for sale and initially recorded at fair value less costs to sell. Repos sessed assets are included in other assets on the consolidated balance sheets.
Goodwill	Goodwill : The Company has recorded goodwill from various business combinations. The goodwill is not being amortized, but is evaluated at least annually for impairment. In 2019 and prior years, the goodwill evaluation was performed as of September 30 th . In 2019, that September 30 th evaluation was then reassessed at November 30 th to facilitate a change in the annual impairment testing date going forward. In future years, the annual evaluation will be performed as of November 30 th . An impairment charge is recognized when the calculated fair value of the reporting unit, including goodwill, is less than its carrying amount. The Company engaged an external specialist to assess the goodwill at the reporting unit level for the Banks in 2019. As of November 30, 2019, the Company performed an internal assessment of the goodwill for the Bates Companies reporting unit. As a result of this internal assessment, the Company determined an impairment charge of $3 million was required for the Bates Companies reporting unit. See further discussion in Note 6. Based upon internal assessments, there was no impairment recognized during 2018 and 2017.
Core deposit intangible	Core deposit intangible : The Company has recorded a core deposit intangible from historical acquisitions including CNB, CSB and Guaranty Bank, and from its merger with Springfield Bancshares. The core deposit intangible was the portion of the acquisition purchase price which represented the value assigned to the existing deposit base at Note 1. Nature of Business and Significant Account Policies (continued) acquisition. See Notes 2 and 6 to the Consolidated Financial Statements for additional information. The core deposit intangibles have a finite life and are amortized over the estimated useful life of the deposits (estimated to be ten years). Customer list intangible : The Company has recorded a customer list intangible from the Bates Companies acquisition. The customer list intangible was the portion of the acquisition purchase price which represented the value assigned to the existing customer base at acquisition. See Notes 2 and 6 to the Consolidated Financial Statements for addition information. The customer list intangible has a finite life and will be amortized over the estimated useful life (estimated to be fifteen years). Assets and liabilities held for sale : Assets
Swap transactions	Swap transactions : The Company offers a loan swap program to certain commercial loan customers. Through this program, the Company originates a variable rate loan with the customer. The Company and the swap customer will then enter into a fixed interest rate swap. Separately, an identical offsetting swap is entered into by the Company with a counterparty. These “back-to-back” swap arrangements are intended to offset each other and allow the Company to book a variable rate loan, while providing the customer with a contract for fixed interest payments. In these arrangements, the Company’s net cash flow is equal to the interest income received from the variable rate loan originated with the customer. These customer swaps are not designated as hedging instruments and are recorded at fair value in other assets and other liabilities. Additionally, the Company receives an upfront fee from the counterparty, dependent upon the pricing that is recognized upon receipt from the counterparty.
Derivatives and hedging activities	Derivatives and hedging activities : The Company enters into derivative financial instruments as part of its strategy to manage its exposure to changes in interest rates. Derivative instruments represent contracts between parties that result in one party delivering cash to the other party based on a notional amount and an underlying index (such as a rate, security price or price index) as specified in the contract. The amount of cash delivered from one party to the other is determined based on the interaction of the notional amount of the contract with the underlying index. The derivative financial instruments currently used by the Company to manage its exposure to interest rate risk include: (1) interest rate lock commitments provided to customers to fund certain mortgage loans to be sold into the secondary market (although this type of derivative is negligible); (2) interest rate caps to manage the interest rate risk of certain variable rate deposits and short-term fixed rate liabilities; and (3) interest rate swaps on variable rate trust preferred securities.
Preferred stock	Preferred stock : The Company currently has 250,000 shares of preferred stock authorized, but none outstanding as of December 31, 2019 and 2018. Should the Company have preferred stock outstanding in the future, dividends declared on those shares would be deducted from net income to arrive at net income available to common stockholders. Net income available to common stockholders would then be used in the earnings per share computation
Stock-based compensation plans	Stock-based compensation plans: The Company accounts for stock-based compensation with measurement of compensation cost for all stock-based awards at fair value on the grant date and recognition of compensation over the requisite service period for awards expected to vest. As discussed in Note 16, during the years ended December 31, 2019, 2018, and 2017, the Company recognized stock-based compensation expense for the grant-date fair value of stock based awards that are expected to vest over the requisite service period of $2. 5 million, $1.4 million and $1.2 million, respectively. As required, management made an estimate of expected forfeitures and is recognizing compensation costs only for those equity awards expected to vest. The Company uses the Black-Scholes option pricing model to estimate the fair value of stock option grants with the following assumptions for the indicated periods: 2019 2018 2017 Dividend yield 0.67% 0.45% to 0.48% 0.36% to 0.47% Expected volatility 28.28% 29.51% to 29.59% 29.64% to 29.95% Risk-free interest rate 2.90% 2.60% to 2.94% 2.50% to 2.81% Expected life of option grants 6.25 years 6 years 6 years Weighted-average grant date fair value $ 11.29 $ 14.68 $ 14.75 The Company also uses the Black-Scholes option pricing model to estimate the fair value of stock purchase grants with the following assumptions for the indicated periods: 2019 2018 2017 Dividend yield 0.69% to 0.75% 0.37% to 0.51% 0.37% to 0.42% Expected volatility 20.15% to 21.06% 20.90% to 21.40% 19.80% to 19.86% Risk-free interest rate 2.02 % to 2.46% 1.59% to 2.22% 0.67% to 1.18% Expected life of purchase grants 3 to 6 months 3 to 6 months 3 to 6 months Weighted-average grant date fair value $ 4.81 $ 6.63 $ 6.42 The fair value is amortized on a straight-line basis over the vesting periods of the grants and will be adjusted for subsequent changes in estimated forfeitures. The expected dividend yield assumption is based on the Company’s current expectations about its anticipated dividend policy. Expected volatility is based on historical volatility of the Company’s common stock price. The risk-free interest rate for periods within the contractual life of the option or purchase is based on the U.S. Treasury yield curve in effect at the time of the grant. The expected life of the option and purchase grants is derived using the “simplified” method and represents the period of time that options and purchases are expected to be outstanding. Historical data is used to estimate forfeitures used in the model. Two separate groups of employees (employees subject to broad based grants, and executive employees and directors) are used. As of December 31, 2019, there was $475 thousand of unrecognized compensation cost related to stock options granted, which is expected to be recognized over a weighted average period of 1.54 years. The aggregate intrinsic value is calculated as the difference between the exercise price of the underlying awards and the quoted price of the Company’s common stock for the 394,592 options that were in-the-money at December 31, 2019. The aggregate intrinsic value at December 31, 2019 was $10.2 million on options outstanding and $9.7 million on options exercisable. During the years ended December 31, 2019, 2018 and 2017, the aggregate intrinsic value of Note 1. Nature of Business and Significant Account Policies (continued) options exercised under the Company’s Equity Plans was $303 thousand, $365 thousand, and $1.0 million, respectively, and determined as of the date of the option exercise. Restricted stock awards granted may not be sold or otherwise transferred until the service periods have lapsed. During the vesting periods, participants have voting rights and receive dividends. Upon termination of employment, common shares upon which the service periods have not lapsed must be returned to the Company. All restricted share awards are classified as equity awards. The grant-date fair value of equity-classified restricted stock awards is amortized as compensation expense on a straight-line basis over the period restrictions lapse. As of December 31, 2019, there was $3.1 million of unrecognized compensation cost related to nonvested restricted stock awards expected to be recognized over a period of 2.2 years.
Income taxes	Income taxes : The Company files its tax return on a consolidated basis with its subsidiaries. The entities follow the direct reimbursement method of accounting for income taxes under which income taxes or credits which result from the inclusion of the subsidiaries in the consolidated tax return are paid to or received from the parent company. Deferred income taxes are provided under the liability method whereby deferred tax assets are recognized for deductible temporary differences and net operating loss and tax credit carryforwards and deferred tax liabilities are recognized for taxable temporary differences. Temporary differences are the differences between the reported amounts of assets and liabilities and their tax basis. Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that some or all of the deferred tax assets will not be realized. Deferred tax assets and liabilities are adjusted for the effects of changes in tax laws and rates on the date of enactment. When tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while others are subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, management believes it is more likely than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the more likely than not recognition threshold are measured as the largest amount of tax benefit that is more than 50 percent likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the accompanying balance sheet along with any associated interest and penalties that would be payable to the taxing authorities upon examination. Interest and penalties associated with unrecognized tax benefits are classified as additional income taxes in the statements of income.
Trust assets	Trust assets : Trust assets held by the subsidiary banks in a fiduciary, agency, or custodial capacity for their customers, other than cash on deposit at the subsidiary banks, are not included in the accompanying Consolidated Financial Statements since such items are not assets of the subsidiary banks.
Earnings per share	Earnings per share : See Note 18 for a complete description and calculation of basic and diluted earnings per share.
Revenue Recognition	Revenue Recognition: As of January 1, 2018, the Company adopted ASU 2014‑09 using the modified retrospective approach. The adoption of the guidance had no material impact on the measurement or recognition of revenue as Note 1. Nature of Business and Significant Account Policies (continued) approximately 89% of the Company's revenue (based on 2017 audited financial results) is outside the scope of this guidance; however, additional disclosures have been added in accordance with the ASU. Descriptions of our revenue-generating contracts with customers that are within the scope of ASU 2014‑09, which are presented in our income statements as components of non-interest income are as follows: Trust department and Investment advisory and management fees : This is a contract between the Company and its customers for fiduciary and/or investment administration services on trust and brokerage accounts. Trust services and brokerage fee income is determined as a percentage of assets under management and is recognized over the period the underlying trust account is serviced. Such contracts are generally cancellable at any time, with the customer subject to a pro-rated fee in the month of termination. Deposit service fees : The deposit contract obligates the Company to serve as a custodian of the customer's deposited funds and is generally terminable at will by either party. The contract permits the customer to access the funds on deposit and request additional services related to the deposit account. Deposit account related fees, including analysis charges, overdraft/nonsufficient fund charges, service charges, debit card usage fees, overdraft fees and wire transfer fees are within the scope of the guidance; however, revenue recognition practices did not change under the guidance, as deposit agreements are considered day-to-day contracts. Income for deposit accounts is recognized over the statement cycle period (typically on a monthly basis) or at the time the service is provided, if additional services are requested. Correspondent banking fees: A contract between the Company and its correspondent banks for corresponding banking services. This line of business provides a strong source of noninterest bearing and interest bearing deposits, fee income, high-quality loan participations and bank stock loans. Correspondent banking fee income is tied to transaction activity and revenue is recognized monthly as earned for services provided.
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.
New Accounting Pronouncement	New Accounting Prounouncement: 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 was effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. The standard was adopted by the Company on January 1, 2019 and had no 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 cost (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. The Company has developed a CECL allowance model which calculates reserves over the life of the loan and is largely driven by portfolio characteristics, risk-grading, economic outlook, and other key methodology assumptions. Those assumptions are based upon the existing probability of default and loss given default framework. The Company will utilize economic and other forecasts over a four quarter reasonable and Note 1. Nature of Business and Significant Account Policies (continued) supportable forecast period. In the beginning of the second year, the Company will fully revert back to average historical losses. The Company’s credit administration team will periodically refine the model as needed. The Company expects to incur an increase of 5-20% of the December 31, 2019 allowance for estimated losses on loans/leases and the after-tax charge will result in a decrease to the opening stockholders' equity balance as of January 1, 2020. A majority of the increase to the allowance is the result of economic uncertainty and unfunded commitments. The Company anticipates increases in the allowance for credit losses on longer dated portfolios and decreases in the shorter dated portfolios. The Company is in the process of finalizing the review of the most recent model run as of the implementation date and finalizing assumptions including qualitative adjustments and economic forecasts. 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. The Company early adopted ASU 2017-04 effective for the period beginning January 1, 2019. In August 2017, the FASB issued ASU 2017-12, Derivatives and Hedging (Topic 815) . ASU 2017-12 is intended to simplify and expand the eligible hedging strategies for financial and nonfinancial risks and enhance the transparency of how hedging results are presented and disclosed. The new standard provides partial relief on the timing of certain aspects of hedge documentation and eliminates the requirement to recognize hedge ineffectiveness separately in earnings. The standard was adopted by the Company on January 1, 2019 and had no significant impact on the Company’s Consolidated Financial Statements.

Note 1 - Nature of Business a_3

Note 1 - Nature of Business and Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Fair value of stock option grants	2019 2018 2017 Dividend yield 0.67% 0.45% to 0.48% 0.36% to 0.47% Expected volatility 28.28% 29.51% to 29.59% 29.64% to 29.95% Risk-free interest rate 2.90% 2.60% to 2.94% 2.50% to 2.81% Expected life of option grants 6.25 years 6 years 6 years Weighted-average grant date fair value $ 11.29 $ 14.68 $ 14.75 2019 2018 2017 Dividend yield 0.69% to 0.75% 0.37% to 0.51% 0.37% to 0.42% Expected volatility 20.15% to 21.06% 20.90% to 21.40% 19.80% to 19.86% Risk-free interest rate 2.02 % to 2.46% 1.59% to 2.22% 0.67% to 1.18% Expected life of purchase grants 3 to 6 months 3 to 6 months 3 to 6 months Weighted-average grant date fair value $ 4.81 $ 6.63 $ 6.42

Note 2 - Sales_Mergers_Acquis_2

Note 2 - Sales/Mergers/Acquisitions (Tables)	12 Months Ended
	Dec. 31, 2019
Guaranty Bank and Trust Company [Member]
Notes Tables
Fair values of the assets acquired and liabilities assumed	As of October 1, 2017 (dollars in thousands) ASSETS Cash and due from banks $ 4,435 Interest-bearing deposits at financial institutions 3,954 Securities 49,703 Loans/leases receivable, net 192,518 Premises and equipment 4,808 Restricted investment securities 477 Core deposit intangible 2,698 Other assets 998 Total assets acquired $ 259,591 LIABILITIES Deposits $ 212,468 Short-term borrowings 13,102 FHLB advances 4,108 Junior subordinated debentures 3,857 Other liabilities 2,596 Total liabilities assumed $ 236,131 Net assets acquired $ 23,460 CONSIDERATION PAID: Cash $ 7,803 Common stock 30,880 Total consideration paid $ 38,683 Goodwill $ 15,223
Summary of purchased loans	PCI Performing Loans Loans Total (dollars in thousands) Contractually required principal payments $ 3,126 $ 192,983 $ 196,109 Nonaccretable discount (1,147) — (1,147) Principal cash flows expected to be collected $ 1,979 $ 192,983 $ 194,962 Accretable discount (220) (2,224) (2,444) Fair Value of acquired loans $ 1,759 $ 190,759 $ 192,518
Changes in accretable yield for acquired loans	For the year ended December 31, 2019 PCI Performing Loans Loans Total (dollars in thousands) Balance at the beginning of the period $ (8) $ (1,613) $ (1,621) Reclassification of nonaccretable discount to accretable (5) — (5) Accretion recognized 7 518 525 Balance at the end of the period $ (6) $ (1,095) $ (1,101) For the year ended December 31, 2018 PCI Performing Loans Loans Total (dollars in thousands) Balance at the beginning of the period $ (166) $ (2,197) $ (2,363) Accretion recognized 158 584 742 Balance at the end of the period $ (8) $ (1,613) $ (1,621) For the year ended December 31, 2017 PCI Performing Loans Loans Total (dollars in thousands) Balance at the beginning of the period $ (220) $ (2,224) $ (2,444) Accretion recognized 54 27 81 Balance at the end of the period $ (166) $ (2,197) $ (2,363)
Unaudited pro forma combined operating results	Year Ended December 31, 2017 2016 (dollars in thousands, except per share data) Net interest income $ 122,923 $ 102,902 Noninterest income $ 32,703 $ 34,238 Net income $ 38,728 $ 27,103 Earnings per common share: Basic $ 2.80 $ 2.05 Diluted $ 2.73 $ 2.02
SFC Bank
Notes Tables
Changes in accretable yield for acquired loans	Year ended December 31, 2019 PCI Performing Loans Loans Total (dollars in thousands) Balance at the beginning of the period $ (659) $ (5,849) $ (6,508) Reclassification of nonaccretable discount to accretable (159) — (159) Accretion recognized 767 2,325 3,092 Balance at the end of the period $ (51) $ (3,524) $ (3,575) For the year ended December 31, 2018 PCI Performing Loans Loans Total Balance at the beginning of the period $ — $ — $ — Discount added at acquisition (293) (7,800) (8,093) Reclassification of nonaccretable discount to accretable (892) — (892) Accretion recognized 526 1,951 2,477 Balance at the end of the period $ (659) $ (5,849) $ (6,508)
Unaudited pro forma combined operating results	For the Year Ended December 31, 2018 2017 (dollars in thousands, except per share data) Net interest income $ 153,229 $ 136,190 Noninterest income $ 42,538 $ 32,395 Net income $ 49,542 $ 42,316 Earnings per common share: Basic $ 3.17 $ 2.82 Diluted $ 3.11 $ 2.75
Bates Companies [Member]
Notes Tables
Fair values of the assets acquired and liabilities assumed	As of July 1, 2018 (dollars in thousands) ASSETS Cash and due from banks $ 4,586 Interest-bearing deposits at financial institutions 62,924 Securities 4,845 Loans/leases receivable, net 477,337 Bank-owned life insurance 7,092 Premises and equipment 6,092 Restricted investment securities 3,654 Intangibles 8,209 Other assets 1,471 Total assets acquired $ 576,210 LIABILITIES Deposits $ 439,579 Short-term borrowings 1,143 FHLB advances 74,539 Other borrowings 9,544 Other liabilities 8,409 Total liabilities assumed $ 533,214 Net assets acquired $ 42,996 CONSIDERATION PAID: Cash $ 8,334 Common stock 80,637 Total consideration paid $ 88,971 Goodwill $ 45,975
Summary of purchased loans	PCI Performing Loans Loans Total (dollars in thousands) Contractually required principal payments $ 7,553 $ 479,440 $ 486,993 Nonaccretable discount (1,563) — (1,563) Principal cash flows expected to be collected $ 5,990 $ 479,440 $ 485,430 Accretable discount (293) (7,800) (8,093) Fair Value of acquired loans $ 5,697 $ 471,640 $ 477,337
Changes in accretable yield for acquired loans	Year ended December 31, 2019 PCI Performing Loans Loans Total (dollars in thousands) Balance at the beginning of the period $ (659) $ (5,849) $ (6,508) Reclassification of nonaccretable discount to accretable (159) — (159) Accretion recognized 767 2,325 3,092 Balance at the end of the period $ (51) $ (3,524) $ (3,575)
Unaudited pro forma combined operating results	For the Year Ended December 31, 2018 2017 (dollars in thousands, except per share data) Net interest income $ 142,368 $ 116,029 Noninterest income $ 44,455 $ 33,044 Net income $ 44,032 $ 35,627 Earnings per common share: Basic $ 2.98 $ 2.67 Diluted $ 2.92 $ 2.60
RB&T
Notes Tables
Schedule of assets and liabilities of RB&T sold	As of November 30, 2019 (dollars in thousands) ASSETS Cash and due from banks $ 3,973 Interest-bearing deposits at financial institutions 55,291 Securities held to maturity, at amortized cost 3,243 Securities available for sale, at fair value 21,874 Loans/leases receivable held for investment, net 357,931 Premises and equipment, net 5,612 Restricted investment securities 675 Other real estate owned, net 2,134 Other assets 3,228 Total assets sold $ 453,961 LIABILITIES Noninterest-bearing deposits $ 69,802 Interest-bearing deposits 331,486 Short-term borrowings 1,158 Federal Home Loan Bank advances 15,000 Other liabilities 2,241 Total liabilities sold $ 419,687 Net assets sold $ 34,274 Cash consideration received $ 46,560 Gain on sale of assets and liabilities $ 12,286

Note 3 - Investment Securities

Note 3 - Investment Securities (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Amortized cost and fair value of investment securities	Gross Gross Amortized Unrealized Unrealized Fair Cost Gains (Losses) Value (dollars in thousands) December 31, 2019: Securities HTM: Municipal securities $ 399,596 $ 26,042 $ (143) $ 425,495 Other securities 1,050 — — 1,050 $ 400,646 $ 26,042 $ (143) $ 426,545 Securities AFS: U.S. govt. sponsored agency securities $ 19,872 $ 283 $ (77) $ 20,078 Residential mortgage-backed and related securities 118,724 2,045 (182) 120,587 Municipal securities 46,659 1,602 (4) 48,257 Other securities 21,707 138 (72) 21,773 $ 206,962 $ 4,068 $ (335) $ 210,695 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) December 31, 2019: Securities HTM: Municipal securities $ 509 $ (1) $ 10,047 $ (142) $ 10,556 $ (143) Other securities 550 — — — 550 — $ 1,059 $ (1) $ 10,047 $ (142) $ 11,106 $ (143) Securities AFS: U.S. govt. sponsored agency securities $ 1,431 $ (21) $ 2,117 $ (56) $ 3,548 $ (77) Residential mortgage-backed and related securities 2,263 (17) 17,862 (165) 20,125 (182) Municipal securities — — 724 (4) 724 (4) Other securities 17,135 (72) — — 17,135 (72) $ 20,829 $ (110) $ 20,703 $ (225) $ 41,532 $ (335) 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	2019 2018 2017 (dollars in thousands) Proceeds from sales of securities $ 30,055 $ 1,938 $ 71,092 Gross gains from sales of securities 176 — 67 Gross losses from sales of securities (206) — (155)
Investments classified by maturity date	Amortized Cost Fair Value (dollars in thousands) Securities HTM: Due in one year or less $ 3,220 $ 3,234 Due after one year through five years 33,088 33,865 Due after five years 364,338 389,446 $ 400,646 $ 426,545 Securities AFS: Due in one year or less $ 1,084 $ 1,084 Due after one year through five years 17,089 17,320 Due after five years 70,065 71,704 88,238 90,108 Residential mortgage-backed and related securities 118,724 120,587 $ 206,962 $ 210,695
Schedule of investment in callable securities	Amortized Cost Fair Value (dollars in thousands) Securities HTM: Municipal securities $ 182,653 $ 186,631 Securities AFS: Municipal securities 39,674 40,990 Other securities 4,500 4,638 $ 44,174 $ 45,628

Note 4 - Loans_Leases Receiva_2

Note 4 - Loans/Leases Receivable (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Composition of the loan/lease portfolio	2019 2018 (dollars in thousands) C&I loans * $ 1,507,825 $ 1,429,410 CRE loans Owner-occupied CRE 443,989 500,654 Commercial construction, land development, and other land 378,797 236,787 Other non owner-occupied CRE 913,610 1,028,670 1,736,396 1,766,111 Direct financing leases ** 87,869 117,969 Residential real estate loans *** 239,904 290,759 Installment and other consumer loans 109,352 119,381 3,681,346 3,723,630 Plus deferred loan/lease origination costs, net of fees 8,859 9,124 3,690,205 3,732,754 Less allowance (36,001) (39,847) $ 3,654,204 $ 3,692,907 ** Direct financing leases: Net minimum lease payments to be received $ 97,025 $ 130,371 Estimated unguaranteed residual values of leased assets 547 828 Unearned lease/residual income (9,703) (13,230) 87,869 117,969 Plus deferred lease origination costs, net of fees 1,892 3,642 89,761 121,611 Less allowance (1,464) (1,792) $ 88,297 $ 119,819 * Includes equipme nt financing agreements outstanding at m2, totaling $ 142.0 million and $103.4 million as of December 31, 2019 and 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 and 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. At December 31, 2019, the Company had six leases remaining with residual values totaling $ 547 thousand that were not protected with a lease end options rider. At December 31, 2018, the Company had nine leases remaining with residual values totaling approximately $828 thousand that were not protected with a lease end options rider. Management has performed specific evaluations of these unguaranteed residual values and determined that the valuations are appropriate. There were no losses related to unguaranteed residual values during the years ended December 31, 2019, 2018, and 2017. ***Includes residential real estate loans held for sale totaling $ 3.7 million and $1.3 million as of December 31, 2019 and 2018, respectively.
Changes in accretable yield for acquired loans	For the year ended December 31, 2019 PCI Performing Loans Loans Total (dollars in thousands) Balance at the beginning of the period $ (667) $ (10,127) $ (10,794) Reclassification of nonaccretable discount to accretable (275) — (275) Accretion recognized 885 3,749 4,634 Balance at the end of the period $ (57) $ (6,378) $ (6,435) For the year ended December 31, 2018 PCI Performing Loans Loans Total (dollars in thousands) Balance at the beginning of the period $ (191) $ (6,280) $ (6,471) Discount added at acquisition (293) (7,800) (8,093) Reclassification of nonaccretable discount to accretable (892) (470) (1,362) Accretion recognized 709 4,423 5,132 Balance at the end of the period $ (667) $ (10,127) $ (10,794) For the year ended December 31, 2017 PCI Performing Loans Loans Total (dollars in thousands) Balance at the beginning of the period $ (194) $ (9,116) $ (9,310) Discount added at acquisition (220) (2,224) (2,444) Accretion recognized 223 5,060 5,283 Balance at the end of the period $ (191) $ (6,280) $ (6,471)
Aging of the loan/lease portfolio by classes of loans/leases	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 $ 1,499,891 $ 6,126 $ 572 $ — $ 1,236 $ 1,507,825 CRE Owner-Occupied CRE 443,707 177 71 — 34 443,989 Commercial Construction, Land Development, and Other Land 375,940 2,857 — — — 378,797 Other Non Owner-Occupied CRE 909,684 73 — — 3,853 913,610 Direct Financing Leases 85,636 463 253 — 1,517 87,869 Residential Real Estate 235,845 2,939 414 — 706 239,904 Installment and Other Consumer 108,750 3 10 33 556 109,352 $ 3,659,453 $ 12,638 $ 1,320 $ 33 $ 7,902 $ 3,681,346 As a percentage of total loan/lease portfolio 99.41 % 0.34 % 0.04 % 0.00 % 0.21 % 100.00 % 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	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 $ — $ 1,236 $ 646 $ 1,882 21.12 % CRE Owner-Occupied CRE — 34 — 34 0.38 % Commercial Construction, Land Development, and Other Land — — — — - % Other Non Owner-Occupied CRE — 3,853 — 3,853 43.22 % Direct Financing Leases — 1,517 333 1,850 20.75 % Residential Real Estate — 706 — 706 7.92 % Installment and Other Consumer 33 556 — 589 6.61 % $ 33 $ 7,902 $ 979 $ 8,914 100.00 % * At December 31, 2019, nonaccrual loans/leases included $747 thousand of TDRs, including $98 thousand in C&I loans, $269 thousand in CRE loans, $294 t housand in direct financing leases, $31 thousand in residential real estate loans, and $55 thousand in installment loans. 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 2,985 8,507 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 $ 3,659 $ 18,551 100.00 % * At 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. ** At December 31, 2018, 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 years ended December 31, 2019, 2018, and 2017 are presented as follows: Year Ended December 31, 2019 Direct Financing Residential Real Installment and C&I CRE Leases Estate Other Consumer Total (dollars in thousands) Balance, beginning $ 16,420 $ 17,719 $ 1,792 $ 2,557 $ 1,359 $ 39,847 Reclassification of allowance related to held for sale loans (2,814) (2,392) — (628) (288) (6,122) Provisions charged to expense * 3,666 1,566 1,129 163 114 6,638 Loans/leases charged off (1,476) (1,722) (1,647) (191) (98) (5,134) Recoveries on loans/leases previously charged off 276 208 190 47 51 772 Balance, ending $ 16,072 $ 15,379 $ 1,464 $ 1,948 $ 1,138 $ 36,001 *Excludes provision related to loans included in assets held for sale during the year of $428 thousand for the year ending December 31, 2019. Year Ended December 31, 2018 Direct Financing Residential Real Installment and C&I CRE Leases Estate Other Consumer Total (dollars in thousands) Balance, beginning $ 14,323 $ 13,963 $ 2,382 $ 2,466 $ 1,222 $ 34,356 Provisions charged to expense 7,161 4,094 1,068 193 142 12,658 Loans/leases charged off (5,359) (387) (2,002) (127) (44) (7,919) Recoveries on loans/leases previously charged off 295 49 344 25 39 752 Balance, ending $ 16,420 $ 17,719 $ 1,792 $ 2,557 $ 1,359 $ 39,847 Year Ended December 31, 2017 Direct Financing Residential Real Installment and C&I CRE Leases Estate Other Consumer Total (dollars in thousands) Balance, beginning $ 12,545 $ 11,671 $ 3,112 $ 2,342 $ 1,087 $ 30,757 Provisions charged to expense 2,736 4,044 1,370 197 123 8,470 Loans/leases charged off (1,150) (1,795) (2,285) (102) (41) (5,373) Recoveries on loans/leases previously charged off 192 43 185 29 53 502 Balance, ending $ 14,323 $ 13,963 $ 2,382 $ 2,466 $ 1,222 $ 34,356 Note 4. Loans/Leases Receivable (continued): The allowance by impairment evaluation and by portfolio segment as of December 31, 2019 and 2018 is presented as follows: 2019 Direct Financing Residential Real Installment and C&I CRE Leases Estate Other Consumer Total (dollars in thousands) Allowance for impaired loans/leases $ 170 $ 125 $ 270 $ 15 $ 80 $ 660 Allowance for nonimpaired loans/leases 15,902 15,254 1,194 1,933 1,058 35,341 $ 16,072 $ 15,379 $ 1,464 $ 1,948 $ 1,138 $ 36,001 Impaired loans/leases $ 1,846 $ 3,585 $ 2,025 $ 649 $ 556 $ 8,661 Nonimpaired loans/leases 1,505,979 1,732,811 85,844 239,255 108,796 3,672,685 $ 1,507,825 $ 1,736,396 $ 87,869 $ 239,904 $ 109,352 $ 3,681,346 Allowance as a percentage of impaired loans/leases 9.21 % 3.49 % 13.33 % 2.31 % 14.39 % 7.62 % Allowance as a percentage of nonimpaired loans/leases 1.06 % 0.88 % 1.39 % 0.81 % 0.97 % 0.96 % Total allowance as a percentage of total loans/leases 1.07 % 0.89 % 1.67 % 0.81 % 1.04 % 0.98 % 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	2019 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 $ 1,607 $ 1,647 $ — $ 970 $ 27 $ 27 CRE Owner-Occupied CRE 34 50 — 24 — — Commercial Construction, Land Development, and Other Land — — — — — — Other Non Owner-Occupied CRE 684 686 — 738 29 29 Direct Financing Leases 1,642 1,642 — 1,322 30 30 Residential Real Estate 469 614 — 481 — — Installment and Other Consumer 476 476 — 474 — — $ 4,912 $ 5,115 $ — $ 4,009 $ 86 $ 86 Impaired Loans/Leases with Specific Allowance Recorded: C&I $ 239 $ 239 $ 170 $ 124 $ — $ — CRE Owner-Occupied CRE — — — — — — Commercial Construction, Land Development, and Other Land — — — — — — Other Non Owner-Occupied CRE 2,867 2,867 125 1,958 — — Direct Financing Leases 383 383 270 196 2 2 Residential Real Estate 180 180 15 72 — — Installment and Other Consumer 80 80 80 62 — — $ 3,749 $ 3,749 $ 660 $ 2,412 $ 2 $ 2 Total Impaired Loans/Leases: C&I $ 1,846 $ 1,886 $ 170 $ 1,094 $ 27 $ 27 CRE Owner-Occupied CRE 34 50 — 24 — — Commercial Construction, Land Development, and Other Land — — — — — — Other Non Owner-Occupied CRE 3,551 3,553 125 2,696 29 29 Direct Financing Leases 2,025 2,025 270 1,518 32 32 Residential Real Estate 649 794 15 553 — — Installment and Other Consumer 556 556 80 536 — — $ 8,661 $ 8,864 $ 660 $ 6,421 $ 88 $ 88 Note 4. Loans/Leases Receivable (continued) 2018 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 $ 1,846 $ 4,540 $ — $ 2,346 $ 210 $ 210 CRE Owner-Occupied CRE 106 106 — 107 — — Commercial Construction, Land Development, and Other Land 507 507 — 101 — — Other Non Owner-Occupied CRE 1,804 1,804 — 540 — — Direct Financing Leases 1,929 1,929 — 2,193 60 60 Residential Real Estate 984 1,058 — 723 9 9 Installment and Other Consumer 762 762 — 198 — — $ 7,938 $ 10,706 $ — $ 6,208 $ 279 $ 279 Impaired Loans/Leases with Specific Allowance Recorded: C&I $ 2,653 $ 2,653 $ 973 $ 1,118 $ 43 $ 43 CRE Owner-Occupied CRE 304 660 39 177 — — Commercial Construction, Land Development, and Other Land 149 149 33 159 — — Other Non Owner-Occupied CRE 7,577 7,577 2,052 3,055 58 58 Direct Financing Leases 320 320 194 273 — — Residential Real Estate 1,126 1,126 257 553 12 12 Installment and Other Consumer 136 136 111 125 — — $ 12,265 $ 12,621 $ 3,659 $ 5,460 $ 113 $ 113 Total Impaired Loans/Leases: C&I $ 4,499 $ 7,193 $ 973 $ 3,464 $ 253 $ 253 CRE Owner-Occupied CRE 410 766 39 284 — — Commercial Construction, Land Development, and Other Land 656 656 33 260 — — Other Non Owner-Occupied CRE 9,381 9,381 2,052 3,595 58 58 Direct Financing Leases 2,249 2,249 194 2,466 60 60 Residential Real Estate 2,110 2,184 257 1,276 21 21 Installment and Other Consumer 898 898 111 323 — — $ 20,203 $ 23,327 $ 3,659 $ 11,668 $ 392 $ 392 Note 4. Loans/Leases Receivable (continued) 2017 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 $ 1,634 $ 1,645 $ — $ 1,406 $ 71 $ 71 CRE Owner-Occupied CRE 289 289 — 79 12 12 Commercial Construction, Land Development, and Other Land — — — — — — Other Non Owner-Occupied CRE 1,172 1,172 — 1,177 — — Direct Financing Leases 2,945 2,945 — 2,880 132 132 Residential Real Estate 943 1,018 — 686 1 1 Installment and Other Consumer 134 134 — 126 — — $ 7,117 $ 7,203 $ — $ 6,354 $ 216 $ 216 Impaired Loans/Leases with Specific Allowance Recorded: C&I $ 4,615 $ 4,618 $ 716 $ 4,584 $ 203 $ 203 CRE Owner-Occupied CRE 152 152 48 221 — — Commercial Construction, Land Development, and Other Land 4,844 4,844 1,379 4,448 — — Other Non Owner-Occupied CRE 72 72 2 45 — — Direct Financing Leases 725 725 504 625 — — Residential Real Estate 761 761 355 549 15 15 Installment and Other Consumer 68 68 39 41 1 1 $ 11,237 $ 11,240 $ 3,043 $ 10,513 $ 219 $ 219 Total Impaired Loans/Leases: C&I $ 6,249 $ 6,263 $ 716 $ 5,990 $ 274 $ 274 CRE Owner-Occupied CRE 441 441 48 300 12 12 Commercial Construction, Land Development, and Other Land 4,844 4,844 1,379 4,448 — — Other Non Owner-Occupied CRE 1,244 1,244 2 1,222 — — Direct Financing Leases 3,670 3,670 504 3,505 132 132 Residential Real Estate 1,704 1,779 355 1,235 16 16 Installment and Other Consumer 202 202 39 167 1 1 $ 18,354 $ 18,443 $ 3,043 $ 16,867 $ 435 $ 435
Financing receivable credit quality indicators	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) $ 1,334,446 $ 439,418 $ 378,572 $ 896,206 $ 3,048,642 98.28 % Special Mention (Rating 6) 12,962 3,044 41 3,905 19,952 0.64 % Substandard (Rating 7) 18,439 1,527 184 13,499 33,649 1.08 % Doubtful (Rating 8) — — — — — — % $ 1,365,847 $ 443,989 $ 378,797 $ 913,610 $ 3,102,243 100.00 % 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	2019 Direct Financing Residential Real Installment and As a % of Delinquency Status * C&I Leases Estate Other Consumer Total Total (dollars in thousands) Performing $ 140,992 $ 86,019 $ 239,198 $ 108,763 $ 574,972 99.29 % Nonperforming 986 1,850 706 589 4,131 0.71 % $ 141,978 $ 87,869 $ 239,904 $ 109,352 $ 579,103 100.00 % 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 troubled debt restructurings.
Number and recorded investment of TDRs, by type of concession	2019 Pre- Post- Modification Modification Number of Recorded Recorded Specific Classes of Loans/Leases Loans / Leases Investment Investment Allowance (dollars in thousands) CONCESSION - Significant Payment Delay C&I 3 $ 112 $ 112 $ — Direct Financing Leases 10 388 388 35 13 $ 500 $ 500 $ 35 CONCESSION - Foregiveness of Principal C&I 1 $ 587 $ 537 $ — CONCESSION - Extension of Maturity Installment and Other Consumer 1 $ 56 $ 56 $ 54 TOTAL 15 $ 1,143 $ 1,093 $ 89 2018 Pre- Post- Modification Modification Number of Recorded Recorded Specific Classes of Loans/Leases Loans/Leases Investment Investment Allowance (dollars in thousands) CONCESSION - Significant Payment Delay C&I 5 $ 426 $ 426 $ 250 Other Non Owner-Occupied CRE 1 500 500 60 Residential Real Estate 1 46 46 — Direct Financing Leases 3 75 75 — 10 $ 1,047 $ 1,047 $ 310 CONCESSION - Extension of Maturity Other Non Owner-Occupied CRE 2 $ 2,976 $ 2,976 $ 1,492 Residential Real Estate 2 $ 100 $ 100 $ 8 4 $ 3,076 $ 3,076 $ 1,500 TOTAL 14 $ 4,123 $ 4,123 $ 1,810
Analysis of changes in aggregated amounts of loans	2019 2018 2017 (dollars in thousands) Balance, beginning $ 125,496 $ 66,442 $ 61,609 Net increase (decrease) due to change in related parties (12,161) 41,797 11,927 Advances 98,708 43,453 13,091 Repayments (99,213) (26,196) (20,185) Balance, ending $ 112,830 $ 125,496 $ 66,442
Loan concentration by segment	2019 2018 Percentage of Percentage of Total Total Industry Name Balance Loans/Leases Balance Loans/Leases (dollars in thousands) Lessors of Residential Buildings $ 745,770 22 % $ 594,346 16 % Lessors of Non-Residential Buildings 574,058 17 % 632,534 17 % Administration of Urban Planning & Community & Rural Development 133,157 4 % 111,579 3 % Bank Holding Companies 92,185 3 % 75,601 2 %

Note 5 - Premises and Equipme_2

Note 5 - Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Components of premises and equipment	2019 2018 (dollars in thousands) Land $ 13,632 $ 15,582 Buildings (useful lives 15 to 50 years) 66,070 64,299 Furniture and equipment (useful lives 3 to 10 years) 40,228 36,399 Premises and equipment 119,930 116,280 Less accumulated depreciation 46,071 40,698 Premises and equipment, net $ 73,859 $ 75,582
Maturities of operating lease liabilities	Amount Year ending December 31: (dollars in thousands) 2020 541 2021 327 2022 251 2023 200 2024 144 Thereafter 857 $ 2,320
Contractual maturities of sales-type and direct financing lease receivables	Amount Year ending December 31: (dollars in thousands) 2020 12,123 2021 18,464 2022 23,520 2023 22,845 2024 16,065 Thereafter 4,008 Total lease payments receivable $ 97,025 Unguaranteed residual values 547 Unearned lease/residual income (9,703) $ 87,869 Plus deferred origination costs, net of fees 1,892 $ 89,761 Less allowance (1,464) Total lease payments receivable $ 88,297

Note 6 - Goodwill and Intangi_2

Note 6 - Goodwill and Intangibles (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Changes in carrying amount of goodwill	2019 2018 2017 (dollars in thousands) Balance at the beginning of period $ 77,832 $ 28,334 $ 13,111 Goodwill from merger with Springfield Bancshares — 45,975 — Goodwill from acquisition of Bates Companies — 3,766 — Goodwill from acquisition of Guaranty Bank — — 15,223 Goodwill from acquisition of Guaranty Bank - measurement period adjustment — (243) — Goodwill from acquisition of Bates Companies - measurement period adjustment (84) — — Goodwill impairment - Bates Companies (3,000) — — Balance at the end of period $ 74,748 $ 77,832 $ 28,334
Schedule of goodwill by reportable segment	December 31, 2019 December 31, 2018 December 31, 2017 (dollars in thousands) Commercial banking: QCBT $ 3,223 $ 3,223 $ 3,223 CRBT 14,980 14,980 15,223 CSB 9,888 9,888 9,888 SFC Bank 45,975 45,975 — Other, Parent Company Only 682 3,766 — $ 74,748 $ 77,832 $ 28,334
Schedule of core deposit intangibles by reportable segment	December 31, 2019 December 31, 2018 December 31, 2017 (dollars in thousands) Commercial Banking: CRBT $ 2,684 $ 3,186 $ 3,694 CSB 3,980 4,675 5,385 SFC Bank 6,802 7,734 — $ 13,466 $ 15,595 $ 9,079
Core Deposits [Member]
Notes Tables
Changes in Intangibles	2019 2018 2017 (dollars in thousands) Balance at the beginning of the period $ 15,595 $ 9,079 $ 7,381 Core deposit intangible from merger with Springfield Bancshares — 8,208 — Core deposit intangible from acquisition of Guaranty Bank — — 2,699 Amortization expense (2,129) (1,692) (1,001) Balance at the end of the period $ 13,466 $ 15,595 $ 9,079 Gross carrying amount $ 19,255 $ 19,255 $ 11,046 Accumulated amortization (5,789) (3,660) (1,967) Net book value $ 13,466 $ 15,595 $ 9,079
Estimated amortization of intangible assets	Amount Years ending December 31, (dollars in thousands) 2020 $ 2,085 2021 2,032 2022 1,971 2023 1,776 2024 1,623 Thereafter 3,979 $ 13,466
Customer Lists [Member]
Notes Tables
Changes in Intangibles	2019 2018 (dollars in thousands) Balance at the beginning of period $ 1,855 $ — Customer list intangible from acquisition of Bates Companies — 1,855 Customer list intangible from acquisition of Bates Companies - measurement period adjustment (214) — Amortization (137) — Balance at the end of period 1,504 1,855
Estimated amortization of intangible assets	Amount Years ending December 31, (dollars in thousands) 2020 $ 109 2021 109 2022 109 2023 109 2024 109 Thereafter 959 $ 1,504

Note 7 - Derivatives and Hedg_2

Note 7 - Derivatives and Hedging Activities (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Summary of impact of AOCI	Year Ended December 31, 2019 December 31, 2018 (dollars in thousands) Unrealized loss at beginning of period, net of tax $ (1,276) $ (805) Amount reclassified from accumulated other comprehensive income to noninterest expense related to hedge ineffectiveness — 27 Amount reclassified from accumulated other comprehensive income to interest expense related to caplet amortization 422 575 Amount of loss recognized in other comprehensive income, net of tax (3,061) (1,073) Unrealized loss at end of period, net of tax $ (3,915) $ (1,276)
Changes in the fair value of the underlying derivative contracts	December 31, 2019 December 31, 2018 Notional Amount Estimated Fair Value Notional Amount Estimated Fair Value (dollars in thousands) Non-Hedging Interest Rate Derivatives Assets: Interest rate swap contracts $ 787,221 $ 84,679 $ $ Non-Hedging Interest Rate Derivatives Liabilities: Interest rate swap contracts $ 787,221 $ 84,679 $ $
Interest rate cap
Notes Tables
Schedule of interest rate caps	Balance Sheet Fair Value as of Hedged Item Effective Date Maturity Date Location Notional Amount Strike Rate December 31, 2019 December 31, 2018 (dollars in thousands) Deposits 1/1/2020 1/1/2023 Other Assets $ % $ 112 $ - Deposits 1/1/2020 1/1/2023 Other Assets 218 - Deposits 1/1/2020 1/1/2023 Other Assets 96 - Deposits 1/1/2020 1/1/2023 Other Assets 109 - Deposits 1/1/2020 1/1/2024 Other Assets 214 - Deposits 1/1/2020 1/1/2024 Other Assets 401 - Deposits 2/1/2020 2/1/2024 Other Assets 202 - Deposits 1/1/2020 1/1/2024 Other Assets 201 - Deposits 1/1/2020 1/1/2025 Other Assets 337 - Deposits 1/1/2020 1/1/2025 Other Assets 617 - Deposits 3/1/2020 3/1/2025 Other Assets 332 - Deposits 1/1/2020 1/1/2025 Other Assets 309 - 1-month FHLB Advance 6/3/2014 6/5/2019 Other Assets N/A - 117 1-month FHLB Advance 6/5/2014 6/5/2021 Other Assets N/A - 342 $ $ 3,148 $ 459
Interest rate swap
Notes Tables
Schedule of interest rate caps	Balance Sheet Fair Value as of Hedged Item Effective Date Maturity Date Location Notional Amount Receive Rate Pay Rate December 31, 2019 December 31, 2018 (dollars in thousands) QCR Holdings Statutory Trust II 9/30/2018 9/30/2028 Other Liabilities $ 4.79 % % $ (971) $ (298) QCR Holdings Statutory Trust III 9/30/2018 9/30/2028 Other Liabilities 4.79 % % (777) (239) QCR Holdings Statutory Trust V 7/7/2018 7/7/2028 Other Liabilities 3.54 % % (944) (288) Community National Statutory Trust II 9/20/2018 9/20/2028 Other Liabilities 4.08 % % (291) (89) Community National Statutory Trust III 9/15//2018 9/15/2028 Other Liabilities 3.64 % % (339) (104) Guaranty Bankshares Statutory Trust I 9/15/2018 9/15/2028 Other Liabilities 3.64 % % (436) (133) $ 4.18 % % $ (3,758) $ (1,151)

Note 8 - Deposits (Tables)

Note 8 - Deposits (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of maturities of certificates of deposit	Year ending December 31: (dollars in thousands) 2020 $ 523,631 2021 130,895 2022 50,299 2023 9,162 2024 12,269 Thereafter 69 $ 726,325
Schedules of collateralized investment securities	2019 2018 (dollars in thousands) U.S. govt. sponsored agency securities $ 6,135 $ 980 Residential mortgage-backed and related securities 3,782 9,883 $ 9,917 $ 10,863

Note 9 - Short-term Borrowings

Note 9 - Short-term Borrowings (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Short-term borrowings	2019 2018 (dollars in thousands) Overnight repurchase agreements with customers $ 2,193 $ 2,084 Federal funds purchased 11,230 26,690 $ 13,423 $ 28,774
Schedule of repurchase agreements	2019 2018 (dollars in thousands) Average daily balance during the period $ 4,231 $ 7,831 Average daily interest rate during the period 0.73 % 0.38 % Maximum month-end balance during the period $ 4,177 $ 10,392 Weighted average rate as of end of period 1.00 % 0.90 % 2019 2018 (dollars in thousands) Average daily balance during the period $ 12,594 $ 13,059 Average daily interest rate during the period 2.56 % 2.18 % Maximum month-end balance during the period $ 17,010 $ 32,330 Weighted average rate as of end of period 1.50 % 2.46 %
Securities Sold under Agreements to Repurchase [Member]
Notes Tables
Schedule of repurchase agreements collateralized by investment securities	2019 2018 (dollars in thousands) U.S. govt. sponsored agency securities $ 1,964 $ 3,662 Residential mortgage-backed and related securities 1,456 20,654 Total securities pledged to overnight customer repurchase agreements 3,420 24,316 Less: overcollateralized position 1,227 22,232 $ 2,193 $ 2,084

Note 10 - FHLB Advances (Tables

Note 10 - FHLB Advances (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of maturity and interest rate information on advances	December 31, 2019 December 31, 2018 Weighted Weighted Average Average Interest Rate Interest Rate Amount Due at Year-End Amount Due at Year-End (dollars in thousands) Maturity: Year ending December 31: 2019 $ — — % $ 239,958 2.60 % 2020 110,900 1.73 11,484 1.74 2021 5,000 1.55 15,050 2.32 2022 23,400 1.73 — — 2023 20,000 1.84 — — Total FHLB advances $ 159,300 1.74 % $ 266,492 2.55 %

Note 11 - Other Borrowings an_2

Note 11 - Other Borrowings and Unused Lines of Credit (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of other borrowings	2019 2018 (dollars in thousands) Wholesale structured repurchase agreements $ — $ 35,000 Term notes — 23,250 Revolving line of credit — 9,000 $ — $ 67,250
Schedule of wholesale repurchase agreements	2019 2018 (dollars in thousands) U.S. govt. sponsored agency securities $ — $ — Residential mortgage-backed and related securities — 38,870 Total securities pledged to wholesale customer repurchase agreements — 38,870 Less: overcollateralized position — 3,870 $ — $ 35,000
Wholesale structured repurchase agreements
Notes Tables
Schedule of unused line of credit	2019 2018 (dollars in thousands) Secured $ 45,342 $ 1,690 Unsecured 335,300 362,000 $ 380,642 $ 363,690

Note 12 - Subordinated Notes (T

Note 12 - Subordinated Notes (Tables)	12 Months Ended
	Dec. 31, 2019
Subordinated Notes
Summary of subordinated notes	Amount Outstanding Interest Rate Amount Outstanding Interest Rate as of December 31, 2019 as of December 31, 2019 as of December 31, 2018 as of December 31, 2018 Maturity Date (dollars in thousands) Subordinated debenture dated 2/1/19 $ 65,000 5.375 % $ - N/A % 2/15/2029 Subordinated debenture dated 4/30/16 2,000 4.00 % 2,000 4.00 % 4/30/2026 Subordinated debenture dated 9/15/16 3,000 4.00 % 3,000 4.00 % 9/15/2026 Debt issuance costs (1,606) (218) Total Subordinated Debentures $ 68,394 $ 4,782

Note 13 - Junior Subordinated_2

Note 13 - Junior Subordinated Debentures (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Summary of junior subordinated debentures	2019 2018 (dollars in thousands) Note Payable to QCR Holdings Capital Trust II $ 10,310 $ 10,310 Note Payable to QCR Holdings Capital Trust III 8,248 8,248 Note Payable to QCR Holdings Capital Trust V 10,310 10,310 Note Payable to Community National Trust II 3,093 3,093 Note Payable to Community National Trust III 3,609 3,609 Note Payable to Guaranty Bankshares Statutory Trust I* 4,640 4,640 Market Value Discount per ASC 805** (2,372) (2,540) $ 37,838 $ 37,670 * As part of the acquisition of Guaranty Bank, the Company assumed one junior subordinated debenture with a fair value of $3.9 million. ** Market value discount includes discount on junior subordinated debt acquired in 2013 as part of the purchase of Community National and junior subordinated debt acquired in 2017 as part of the purchase of Guaranty Bank.
Schedule of Company's non-consolidated subsidiaries formed for the issuance of trust preferred securities	Amount Amount Outstanding Outstanding December 31, December 31, Interest Rate as of Interest Rate as of Name Date Issued 2019 2018 Interest Rate December 31, 2019 December 31, 2018 (dollars in thousands) QCR Holdings Statutory Trust II* February 2004 $ 10,310 $ 10,310 2.85% over 3-month LIBOR 4.79 % 5.65 % QCR Holdings Statutory Trust III February 2004 8,248 8,248 2.85% over 3-month LIBOR 4.79 % 5.65 % QCR Holdings Statutory Trust V February 2006 10,310 10,310 1.55% over 3-month LIBOR 3.54 % 3.99 % Community National Statutory Trust II September 2004 3,093 3,093 2.17% over 3-month LIBOR 4.08 % 4.96 % Community National Statutory Trust III March 2007 3,609 3,609 1.75% over 3-month LIBOR 3.64 % 4.54 % Guaranty Bankshares Statutory Trust I May 2005 4,640 4,640 1.75% over 3-month LIBOR 3.64 % 4.54 % $ 40,210 $ 40,210 Weighted Average Rate % 4.94 % * Original amount issued for QCR Holdings Statutory Trust II was $12,372,000.

Note 14 - Federal and State I_2

Note 14 - Federal and State Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Federal and state income tax expense	2019 2018 2017 (dollars in thousands) Current $ 8,255 $ 2,723 $ 10,976 Deferred 6,364 6,292 (6,030) $ 14,619 $ 9,015 $ 4,946
Reconciliation of the expected federal income tax expense	Year Ended December 31, 2019 2018 2017 % of % of % of Pretax Pretax Pretax Amount Income Amount Income Amount Income (dollars in thousands) Computed "expected" tax expense $ 15,126 21.0 % $ 10,948 21.0 % $ 14,229 35 % Tax exempt income, net (4,470) (6.2) (3,958) (7.6) (5,654) (13.9) Bank-owned life insurance (360) (0.5) (343) (0.6) (631) (1.5) State income taxes, net of federal benefit, current year 3,668 5.1 2,681 5.2 1,765 4.3 Change in unrecognized tax benefits (93) (0.1) (45) (0.1) (54) (0.1) Goodwill impairment 630 0.9 — — — — Intended liquidation of bank-owned life insurance 790 1.1 — — — — Tax credits (705) (1.0) (154) (0.3) (341) (0.8) Acquisition costs — — 227 0.4 — — Excess tax benefit on stock options exercised and restricted stock awards vested (287) (0.4) (425) (0.8) (1,220) (3.0) Re-measurement of deferred tax asset to incorporate newly enacted tax rates — — — — (2,919) (7.2) Other 320 0.4 84 0.1 (229) (0.6) Federal and state income tax expense $ 14,619 20.3 % $ 9,015 17.3 % $ 4,946 12.2 %
Schedule of Unrecognized tax benefits	2019 2018 (dollars in thousands) Balance, beginning $ 1,249 $ 1,293 Impact of tax positions taken during current year 375 287 Gross increase (decrease) related to tax positions of prior years 44 (178) Reduction as a result of a lapse of the applicable statute of limitations (414) (153) Balance, ending $ 1,254 $ 1,249
Schedule of Deferred Tax Assets and Liabilities	2019 2018 (dollars in thousands) Deferred tax assets: Alternative minimum tax credits $ — $ 2,911 Historic tax credits 68 1,937 Net unrealized losses on securities available for sale and derivative instruments 126 1,687 Compensation 8,433 6,772 Loan/lease losses 11,332 9,549 Net operating loss carryforwards, federal and state 739 849 Other 605 53 21,303 23,758 Deferred tax liabilities: Premises and equipment 4,616 2,717 Equipment financing leases 16,252 18,329 Acquisition fair value adjustments 3,963 2,739 Intended liquidation of bank-owned life insurance 850 — Gain on sale of assets and liabilities of subsidiary 794 — Investment accretion 28 31 Deferred loan origination fees, net 704 482 Other 832 424 28,039 24,722 Net deferred tax liabilities $ (6,736) $ (964)
Change in deferred income taxes	2019 2018 2017 (dollars in thousands) Provision for income taxes $ 6,364 $ 6,292 $ (6,030) Net deferred tax asset resulting from market value adjustments of acquisitions (381) (52) 243 Net deferred tax liabilities resulting from sale of bank subsidiary (1,644) — — Re-measurement of deferred tax asset to incorporate newly enacted tax rates — — 2,919 Statement of stockholders' equity- Other comprehensive income (loss) 1,433 (1,000) 668 $ 5,772 $ 5,240 $ (2,200)

Note 15 - Employee Benefit Pl_2

Note 15 - Employee Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of matching contributions	2019 2018 2017 (dollars in thousands) Matching contribution $ 2,443 $ 2,000 $ 1,663
Schedule of Change in compensation agreements	2019 2018 2017 (dollars in thousands) Balance, beginning $ 15,029 $ 12,347 $ 10,455 Employee deferrals 2,474 1,407 933 Company match and interest 2,072 1,367 1,025 Cash payments made (101) (92) (66) Balance, ending $ 19,474 $ 15,029 $ 12,347
Supplemental Executive Retirement Plans [Member]
Notes Tables
Schedule of Change in compensation agreements	2019 2018 2017 (dollars in thousands) Balance, beginning $ 4,623 $ 4,330 $ 4,093 Expense accrued 701 457 401 Cash payments made (164) (164) (164) Balance, ending $ 5,160 $ 4,623 $ 4,330

Note 16 - Stock-based Compens_2

Note 16 - Stock-based Compensation (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Stock-based compensation expense	2019 2018 2017 (dollars in thousands) Stock options $ 475 $ 472 $ 554 Restricted stock awards 1,850 857 553 Stock purchase plan 144 114 80 $ 2,469 $ 1,443 $ 1,187
Summary of the stock option plans	December 31, 2019 2018 2017 Weighted Weighted Weighted Average Average Average Exercise Exercise Exercise Shares Price Shares Price Shares Price Outstanding, beginning 469,572 $ 18.52 513,554 $ 17.13 587,961 $ 14.83 Granted 20,200 36.00 16,315 44.02 43,250 43.86 Exercised (59,393) 12.11 (60,127) 13.56 (114,100) 15.12 Forfeited (3,466) 31.59 (170) 16.81 (3,557) 26.74 Outstanding, ending 426,913 20.14 469,572 18.52 513,554 17.13 Exercisable, ending 365,084 358,270 354,269 Weighted average fair value per option granted $ 11.29 $ 14.68 $ 14.75
Summary of options outstanding	Options Outstanding Weighted Options Exercisable Average Weighted Weighted Remaining Average Average Range of Number Contractual Exercise Number Exercise Exercise Prices Outstanding Life Price Exercisable Price $7.99 to $8.93 18,405 1.11 $ 8.10 18,405 $ 8.10 $9.00 to $9.30 88,490 1.47 9.21 88,490 9.21 $15.50 to $15.65 67,541 3.24 15.64 66,741 15.64 $17.10 to $18.00 115,645 4.56 17.31 114,633 17.30 $21.71 to $22.64 59,905 6.08 22.63 46,309 22.63 $36.00 to $48.50 76,927 7.91 41.84 30,506 43.73 426,913 365,084
Summary of changes in nonvested restricted stock awards	December 31, 2019 2018 2017 Outstanding, beginning 64,099 46,389 39,438 Granted* 85,961 37,315 28,289 Released (37,624) (19,605) (21,338) Forfeited (5,610) — — Outstanding, ending 106,826 64,099 46,389 Weighted average fair value per share granted $ 20.14 $ 43.50 $ 44.44
Schedule of Stock purchase plan	2019 2018 2017 Shares granted 29,882 17,305 12,414 Shares purchased 28,775 15,528 13,318 Weighted average fair value per share granted $ 4.81 $ 6.63 $ 6.42

Note 17 - Regulatory Capital _2

Note 17 - Regulatory Capital Requirements (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	For Capital To Be Well Adequacy Purposes Capitalized Under For Capital With Capital Prompt Corrective Actual Adequacy Purposes Conservation Buffer* Action Provisions Amount Ratio Amount Ratio Amount Ratio Amount Ratio As of December 31, 2019: Company: Total risk-based capital $ 581,234 13.33 % $ 348,937 > 8.00 % $ 457,980 > 10.50 % $ 436,171 > 10.00 % Tier 1 risk-based capital 481,702 11.04 261,703 > 6.00 370,746 > 8.50 348,937 > 8.00 Tier 1 leverage 481,702 9.53 202,207 > 4.00 202,207 > 4.00 252,758 > 5.00 Common equity Tier 1 443,864 10.18 196,277 > 4.50 305,320 > 7.00 283,511 > 6.50 Quad City Bank & Trust: Total risk-based capital $ 183,855 11.83 % $ 124,362 > 8.00 % $ 163,225 > 10.50 % $ 155,452 > 10.00 % Tier 1 risk-based capital 170,137 10.94 93,271 > 6.00 132,134 > 8.50 124,362 > 8.00 Tier 1 leverage 170,137 9.94 68,479 > 4.00 68,479 > 4.00 85,598 > 5.00 Common equity Tier 1 170,137 10.94 69,953 > 4.50 108,817 > 7.00 101,044 > 6.50 Cedar Rapids Bank & Trust: Total risk-based capital $ 175,498 11.90 % $ 117,953 > 8.00 % $ 154,813 > 10.50 % $ 147,441 > 10.00 % Tier 1 risk-based capital 162,127 11.00 88,465 > 6.00 125,325 > 8.50 117,953 > 8.00 Tier 1 leverage 162,127 10.41 62,286 > 4.00 62,286 > 4.00 77,857 > 5.00 Common equity Tier 1 162,127 11.00 66,349 > 4.50 103,209 > 7.00 95,837 > 6.50 Community State Bank: Total risk-based capital $ 92,095 12.32 % $ 59,813 > 8.00 % $ 78,504 > 10.50 % $ 74,766 > 10.00 % Tier 1 risk-based capital 85,437 11.43 44,860 > 6.00 63,551 > 8.50 59,813 > 8.00 Tier 1 leverage 85,437 10.39 32,902 > 4.00 32,902 > 4.00 41,128 > 5.00 Common equity Tier 1 85,437 11.43 33,645 > 4.50 52,336 > 7.00 48,598 > 6.50 Springfield First Community Bank: Total risk-based capital $ 71,074 12.72 % $ 44,704 > 8.00 % $ 58,674 > 10.50 % $ 55,880 > 10.00 % Tier 1 risk-based capital 63,956 11.45 33,528 > 6.00 47,498 > 8.50 44,704 > 8.00 Tier 1 leverage 63,956 9.70 26,379 > 4.00 26,379 > 4.00 32,974 > 5.00 Common equity Tier 1 63,956 11.45 25,146 > 4.50 39,116 > 7.00 36,322 > 6.50 For Capital To Be Well Adequacy Purposes Capitalized Under For Capital With Capital Prompt Corrective Actual Adequacy Purposes Conservation Buffer Action Provisions Amount Ratio Amount Ratio Amount Ratio Amount Ratio As of December 31, 2018: Company: Total risk-based capital $ 460,416 10.69 % $ 344,551 > 8.00 % $ 425,305 > 9.875 % $ 430,689 > 10.00 % Tier 1 risk-based capital 420,569 9.77 258,413 > 6.00 339,168 > 7.875 344,551 > 8.00 Tier 1 leverage 420,569 8.87 189,858 > 4.00 189,858 > 4.000 237,322 > 5.00 Common equity Tier 1 382,899 8.89 193,810 > 4.50 274,564 > 6.375 279,948 > 6.50 Quad City Bank & Trust: Total risk-based capital $ 162,009 11.38 % $ 113,900 > 8.00 % $ 140,596 > 9.875 % $ 142,376 > 10.00 % Tier 1 risk-based capital 148,529 10.43 85,425 > 6.00 112,121 > 7.875 113,900 > 8.00 Tier 1 leverage 148,529 9.04 65,744 > 4.00 65,744 > 4.000 82,180 > 5.00 Common equity Tier 1 148,529 10.43 64,069 > 4.50 90,764 > 6.375 92,544 > 6.50 Cedar Rapids Bank & Trust: Total risk-based capital $ 146,292 11.55 % $ 101,310 > 8.00 % $ 125,054 > 9.875 % $ 126,637 > 10.00 % Tier 1 risk-based capital 133,982 10.58 75,982 > 6.00 99,727 > 7.875 101,310 > 8.00 Tier 1 leverage 133,982 9.98 53,682 > 4.00 53,682 > 4.000 67,103 > 5.00 Common equity Tier 1 133,982 10.58 56,987 > 4.50 80,731 > 6.375 82,314 > 6.50 Community State Bank: Total risk-based capital $ 75,233 11.24 % $ 53,567 > 8.00 % $ 66,122 > 9.875 % $ 66,959 > 10.00 % Tier 1 risk-based capital 69,101 10.32 40,175 > 6.00 52,730 > 7.875 53,567 > 8.00 Tier 1 leverage 69,101 9.19 30,070 > 4.00 30,070 > 4.000 37,588 > 5.00 Common equity Tier 1 69,101 10.32 30,131 > 4.50 42,686 > 6.375 43,523 > 6.50 Springfield First Community Bank: Total risk-based capital $ 57,051 12.24 % $ 37,278 > 8.00 % $ 46,016 > 9.875 % $ 46,598 > 10.00 % Tier 1 risk-based capital 51,279 11.00 27,959 > 6.00 36,696 > 7.875 37,278 > 8.00 Tier 1 leverage 51,279 9.39 21,849 > 4.00 21,849 > 4.000 27,312 > 5.00 Common equity Tier 1 51,279 11.00 20,969 > 4.50 29,706 > 6.375 30,289 > 6.50 Rockford Bank & Trust Total risk-based capital $ 50,648 10.89 % $ 37,208 > 8.00 % $ 45,929 > 9.875 % $ 46,511 > 10.00 % Tier 1 risk-based capital 44,821 9.64 27,906 > 6.00 36,627 > 7.875 37,208 > 8.00 Tier 1 leverage 44,821 8.93 20,081 > 4.00 20,081 > 4.000 25,101 > 5.00 Common equity Tier 1 44,821 9.64 20,930 > 4.50 29,650 > 6.375 30,232 > 6.50 * December 31, 2019 minimums reflect the fully phased-in ratios (including the capital conservation buffer).

Note 18 - Earnings Per Share (T

Note 18 - Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2019
Earnings Per Share
Schedule of computation of earnings per share on a basic and diluted basis	2019 2018 2017 (dollars in thousands, except per share data) Net income $ 57,408 $ 43,120 $ 35,707 Basic EPS $ $ $ Diluted EPS $ $ $ Weighted average common shares outstanding* 15,730,016 14,768,687 13,325,128 Weighted average common shares issuable upon exercise of stock options and under the employee stock purchase plan 237,759 296,043 355,344 Weighted average common and common equivalent shares outstanding** 15,967,775 15,064,730 13,680,472 * The increase in weighted average common shares outstanding from 2017 to 2018 and 2019 was primarily due to the common stock issuances that occurred in conjunction with the Springfield Bancshares merger and Guaranty Bank acquisition . ** Excludes anti-dilutive shares of 80,437, 91,954 and 49,919 at December 31, 2019, 2018 and 2017, respectively .

Note 20 - Quarterly Results o_2

Note 20 - Quarterly Results of Operations (Unaudited) (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Quarterly financial information	Year Ended December 31, 2019 March June September December 2019 2019 2019 2019 (dollars in thousands) Total interest income $ 52,101 $ 54,181 $ 56,817 $ 52,977 Total interest expense 15,193 16,168 16,098 13,058 Net interest income 36,908 38,013 40,719 39,919 Provision for loan/lease losses 2,134 1,941 2,012 979 Noninterest income 11,992 17,065 19,906 29,805 Noninterest expense 32,435 36,560 39,945 46,294 Income before taxes 14,331 16,577 18,668 22,451 Federal and state income tax expense (benefit) 1,413 3,073 3,573 6,560 Net income $ 12,918 $ 13,504 $ 15,095 $ 15,891 EPS: Basic $ $ $ $ Diluted $ $ $ $ Year Ended December 31, 2018 March June September December 2018 2018 2018 2018 (dollars in thousands) Total interest income $ 39,546 $ 40,799 $ 49,830 $ 52,704 Total interest expense 7,143 8,714 11,516 13,109 Net interest income 32,403 32,085 38,314 39,595 Provision for loan/lease losses 2,540 2,301 6,206 1,612 Noninterest income 8,541 8,912 8,809 15,278 Noninterest expense 25,863 26,370 30,500 36,410 Income before taxes 12,541 12,326 10,417 16,851 Federal and state income tax expense 1,991 1,881 1,608 3,535 Net income $ 10,550 $ 10,445 $ 8,809 $ 13,316 EPS: Basic $ $ $ $ Diluted $ $ $ $

Note 21 - Parent Company Only_2

Note 21 - Parent Company Only Financial Statements (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Condensed Balance Sheet	2019 2018 (dollars in thousands) Assets Cash and due from banks $ 59,529 $ 6,606 Interest-bearing deposits at financial institutions 5,601 1,001 Investment in bank subsidiaries 570,698 532,164 Investment in nonbank subsidiaries 13,239 4,880 Premises and equipment, net 9,424 6,956 Goodwill 682 3,766 Intangibles 1,503 1,855 Other assets 15,150 14,794 Total assets $ 675,826 $ 572,022 Liabilities and Stockholders' Equity Liabilities: Other borrowings $ — $ 32,250 Subordinated notes 63,531 — Junior subordinated debentures 37,838 37,670 Other liabilities 39,106 28,964 Total liabilities 140,475 98,884 Stockholders' Equity: Common stock 15,828 15,718 Additional paid-in capital 274,785 270,761 Retained earnings 245,836 192,203 Accumulated other comprehensive loss (1,098) (5,544) Total stockholders' equity 535,351 473,138 Total liabilities and stockholders' equity $ 675,826 $ 572,022
Condensed Income Statement	2019 2018 2017 (dollars in thousands) Total interest income $ 77 $ 88 $ 13 Equity in net income of bank subsidiaries 69,966 55,209 45,104 Equity in net income of nonbank subsidiaries 6,797 (436) 75 Securities gains — — 6 Other 314 (322) 3 Total income 77,154 54,539 45,201 Interest expense 5,836 3,637 2,658 Salaries and employee benefits 8,739 6,598 5,022 Professional fees 1,545 1,872 1,345 Acquisition costs — 1,654 1,069 Post-acquisition compensation, transition and integration costs 3,171 165 3,151 Disposition costs 1,606 — — Goodwill impairment 3,000 — — Other 2,147 1,026 1,134 Total expenses 26,044 14,952 14,379 Income before income tax benefit 51,110 39,587 30,822 Income tax benefit 6,298 3,533 4,885 Net income $ 57,408 $ 43,120 $ 35,707
Condensed Cash flow Statement	2019 2018 2017 (dollars in thousands) Cash Flows from Operating Activities: Net income $ 57,408 $ 43,120 $ 35,707 Adjustments to reconcile net income to net cash provided by operating activities: Earnings of bank subsidiaries (69,966) (55,209) (45,104) Earnings (losses) of nonbank subsidiaries (6,797) 436 (75) Distributions from bank subsidiaries — 34,500 21,000 Distributions from nonbank subsidiaries 45,058 63 39 Accretion of acquisition fair value adjustments 305 183 149 Depreciation 327 249 225 Stock-based compensation expense 2,469 1,443 1,187 Securities gains, net — — (6) Goodwill impairment 3,000 — — Decrease (increase) in other assets 26 2,232 (969) (Decrease) increase in other liabilities 7,814 (7,226) (6,919) Net cash provided by operating activities 39,644 19,791 5,234 Cash Flows from Investing Activities: Net increase (decrease) in interest-bearing deposits at financial institutions (4,600) (1,000) — Activity in securities portfolio: Calls, maturities and redemptions — — 6 Sales — — 32 Capital infusion, bank subsidiaries (8,600) (3,500) — Capital infusion, non-bank subsidiaries (100) — — Net cash paid for acquisitions — (5,183) (3,369) Purchase of premises and equipment (2,861) (2,257) (69) Net cash (used in) investing activities (16,161) (11,940) (3,400) Cash Flows from Financing Activities: Activity in other borrowings: Proceeds from other borrowings — 9,000 7,000 Paydown on revolving line of credit (9,000) — — Prepayments (21,313) — — Calls, maturities and scheduled payments (1,799) (12,550) (11,000) Proceeds from subordinated notes 63,393 — — Payment of cash dividends on common and preferred stock (3,767) (3,300) (2,494) Proceeds from issuance of common stock, net 1,926 1,279 2,056 Net cash provided by (used in) financing activities 29,440 (5,571) (4,438) Net increase (decrease) in cash and due from banks 52,923 2,280 (2,604) Cash and due from banks: Beginning 6,606 4,326 6,930 Ending $ 59,529 $ 6,606 $ 4,326

Note 22 - Fair Value (Tables)

Note 22 - Fair Value (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of assets measured at fair value	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) December 31, 2019: Securities AFS: U.S. govt. sponsored agency securities $ 20,078 $ — $ 20,078 $ — Residential mortgage-backed and related securities 120,587 — 120,587 — Municipal securities 48,257 — 48,257 — Other securities 21,773 — 21,773 — Interest rate caps 3,148 — 3,148 — Interest rate swaps - assets 84,679 — 84,679 — Total assets measured at fair value $ 298,522 $ — $ 298,522 $ — Interest rate swaps - liabilities $ 88,437 $ — $ 88,437 $ — Total liabilities measured at fair value $ 88,437 $ — $ 88,437 $ — December 31, 2018: Securities AFS: U.S. govt. sponsored agency securities $ 36,411 $ — $ 36,411 $ — Residential mortgage-backed and related securities 159,249 — 159,249 — Municipal securities 58,546 — 58,546 — Other securities 6,850 — 6,850 — Interest rate caps 459 — 459 — Interest rate swaps - assets 22,196 — 22,196 — Total assets measured at fair value $ 283,711 $ — $ 283,711 $ — Interest rate swaps - liabilities $ 23,347 $ — $ 23,347 $ — Total liabilities measured at fair value $ 23,347 $ — $ 23,347 $ — Fair Value Measurements at Reporting Date Using Quoted Prices Significant in Active Other Significant Markets for Observable Unobservable Identical Assets Inputs Inputs Fair Value Level 1 Level 2 Level 3 (dollars in thousands) December 31, 2019: Impaired loans/leases $ 3,394 $ — $ — $ 3,394 OREO 4,459 — — 4,459 $ 7,853 $ — $ — $ 7,853 December 31, 2018: Impaired loans/leases $ 9,657 $ — $ — $ 9,657 OREO 10,128 — — 10,128 $ 19,785 $ — $ — $ 19,785
Schedule of assets measured at fair value, valuation techniques	Quantitative Information about Level Fair Value Measurements Fair Value Fair Value December 31, December 31, 2019 2018 Valuation Technique Unobservable Input Range (dollars in thousands) Impaired loans/leases $ 3,394 $ 9,657 Appraisal of collateral Appraisal adjustments % to % OREO 4,459 10,128 Appraisal of collateral Appraisal adjustments % to %
Schedule of assets and liabilities measured at fair value	Fair Value As of December 31, 2019 As of December 31, 2018 Hierarchy Carrying Estimated Carrying Estimated Level Value Fair Value Value Fair Value (dollars in thousands) Cash and due from banks Level 1 $ 76,254 $ 76,254 $ 85,523 $ 85,523 Federal funds sold Level 2 9,800 9,800 26,398 26,398 Interest-bearing deposits at financial institutions Level 2 147,891 147,891 133,198 133,198 Investment securities: HTM Level 2 400,646 426,545 401,913 400,770 AFS * 210,695 210,695 261,056 261,056 Loans/leases receivable, net Level 3 3,143 3,394 8,942 9,657 Loans/leases receivable, net Level 2 3,651,061 3,606,520 3,683,965 3,639,329 Interest rate caps Level 2 3,148 3,148 459 459 Interest rate swaps - assets Level 2 84,679 84,679 22,196 22,196 Deposits: Nonmaturity deposits Level 2 3,184,726 3,184,726 3,002,327 3,002,327 Time deposits Level 2 726,325 742,444 974,704 968,906 Short-term borrowings Level 2 13,423 13,423 28,774 28,774 FHLB advances Level 2 159,300 159,193 266,492 265,926 Other borrowings Level 2 — — 67,250 67,770 Subordinated notes Level 2 68,394 68,563 4,782 4,933 Junior subordinated debentures Level 2 37,838 30,477 37,670 29,992 Interest rate swaps - liabilities Level 2 88,437 88,437 23,347 23,347

Note 23 - Business Segment In_2

Note 23 - Business Segment Information (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of business segment information	Commercial Banking Wealth Intercompany Consolidated QCBT CRBT* CSB SFC Bank Management All other* Eliminations Total (dollars in thousands) Twelve Months Ended December 31, 2019 Total revenue $ 79,418 $ 93,147 $ 41,589 $ 31,569 $ 16,553 $ 32,791 $ (223) $ 294,844 Net interest income 52,097 44,310 31,370 21,422 — 6,360 — 155,559 Provision 3,433 1,080 679 1,315 — 559 — 7,066 Net income (loss) from continuing operations 19,006 26,940 10,824 8,243 3,567 (11,172) — 57,408 Goodwill 3,223 14,980 9,888 45,975 — 682 — 74,748 Intangibles — 2,684 3,980 6,802 — 1,504 — 14,970 Total assets 1,682,477 1,572,324 853,834 748,753 — 116,968 (65,306) 4,909,050 Twelve Months Ended December 31, 2018 Total revenue $ 69,691 $ 69,864 $ 36,069 $ 15,152 $ 13,433 $ 21,082 $ (871) $ 224,420 Net interest income 48,682 43,038 28,763 11,835 — 10,077 — 142,395 Provision 3,693 1,833 1,523 990 — 4,619 — 12,658 Net income (loss) from continuing operations 18,347 20,044 8,389 4,816 2,952 (11,428) — 43,120 Goodwill 3,223 14,980 9,888 45,975 — 3,766 — 77,832 Intangibles — 3,186 4,675 7,735 — 1,854 — 17,450 Total assets 1,623,369 1,379,222 785,364 632,849 — 555,293 (26,387) 4,949,710 Twelve Months Ended December 31, 2017 Total revenue $ 58,056 $ 45,367 $ 31,944 $ — $ 11,058 $ 20,074 $ (500) $ 165,999 Net interest income 46,407 31,042 27,021 — — 11,595 — 116,065 Provision for loan/lease losses 3,909 1,050 2,783 — — 728 — 8,470 Net income (loss) 22,095 10,712 7,048 — 2,241 (6,389) — 35,707 Goodwill 3,223 15,223 9,888 — — — — 28,334 Intangibles — 3,694 5,385 — — — — 9,079 Total assets 1,541,778 1,307,377 670,516 — — 489,918 (26,924) 3,982,665 * Includes financial results for Guaranty Bank for the period from October 1, 2017 through December 2, 2017, when Guaranty Bank was merged into CRBT and financial results for RB&T for the years 2017, 2018 and the period from January 1, 2019 through November 30, 2019, prior to the sale of the majority of its assets and liabilities.

Note 1 - Nature of Business a_4

Note 1 - Nature of Business and Significant Accounting Policies (Details)	Sep. 27, 2017	Dec. 31, 2019USD ($)subsidiaryshares	Dec. 31, 2018USD ($)shares	Dec. 31, 2017USD ($)shares	Jan. 01, 2019
Number of subsidiaries commercial banks | subsidiary		4
Number of Non-Consolidated Subsidiaries Issuing Trust Preferred Securities | subsidiary		6
Cash Reserve Deposit Required and Made		$ 38,060,000	$ 33,372,000
Initial Direct Leasing Costs As a Percentage of Cost		5.50%
Financing Receivable, Lines of Credit Maximum Term		1 year
Commercial Real Estate Owner Occupied, Percentage		26.00%	28.00%
Lending Threshold Requiring Additional Loan Review		$ 1,000,000
Goodwill, Impaired, Accumulated Impairment Loss			$ 0	$ 0
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number | shares		365,084	358,270	354,269
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Intrinsic Value		$ 10,200,000
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Intrinsic Value		9,700,000
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period, Intrinsic Value		$ 303,000	$ 365,000	$ 1,000,000
Preferred stock, authorized (in shares) | shares		250,000	250,000
Common stock, outstanding (in shares) | shares		15,828,098	15,718,208
Allocated Share-based Compensation Expense		$ 2,469,000	$ 1,443,000	1,187,000
Accounting Standards Update 2016-02 [Member]
Initial Direct Leasing Costs As a Percentage of Cost					3.90%
Employee Stock Option
Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized		$ 475,000
Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized, Period for Recognition		1 year 6 months 15 days
Allocated Share-based Compensation Expense		$ 475,000	472,000	554,000
In The Money Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number | shares		394,592
Restricted Stock
Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized		$ 3,100,000
Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized, Period for Recognition		2 years 2 months 12 days
Allocated Share-based Compensation Expense		$ 1,850,000	$ 857,000	$ 553,000
Guaranty Bank and Trust Company [Member]
Debt Instrument, Term	4 years
Bates Companies [Member]
Goodwill, Impaired, Accumulated Impairment Loss		$ 3,000,000
Subsidiaries [Member] | Fixed Rate Residential Mortgage [Member]
Financing Receivable, Term		15 years
Commercial Portfolio Segment [Member]
Financing Receivable, Term Loans, Generally Maximum Term		7 years
Commercial Real Estate Portfolio Segment [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Loan and Leases Receivable, Lending Limits Percent		300.00%
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loan and Leases Receivable, Lending Limits Percent		100.00%
Minimum
Residual Value Percent of Cost		3.00%
Loan or lease portfolio, exposure to risk		$ 250,000
Increase in allowance for estimated losses on loans or leases (as a percent)		5.00%
Minimum | Subsidiaries [Member] | Adjustable Rate Residential Mortgage [Member]
Financing Receivable, Term		1 year
Minimum | Commercial Portfolio Segment [Member] | Term Loan [Member]
Financing Receivable, Term		3 years
Maximum
Residual Value Percent of Cost		25.00%
Permanent loans term		20 years
Increase in allowance for estimated losses on loans or leases (as a percent)		20.00%
Maximum | Subsidiaries [Member] | Adjustable Rate Residential Mortgage [Member]
Financing Receivable, Term		5 years
Maximum | Special Mention [Member]
Financing Receivable, Credit Weaknesses Borrowers, Term		365 days
Maximum | Commercial Portfolio Segment [Member] | Term Loan [Member]
Financing Receivable, Term		5 years
Core Deposits [Member]
Estimated useful life		10 years
Customer Lists [Member]
Estimated useful life		15 years

Note 1 - Nature of Business a_5

Note 1 - Nature of Business and Significant Accounting Policies - Option Pricing Model Valuation Assumptions (Details) - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Expected life of option grants (Year)	10 years
Weighted-average grant date fair value (in dollars per share)	$ 11.29	$ 14.68	$ 14.75
Employee Stock Option
Dividend yield	0.67%
Expected volatility	28.28%
Risk-free interest rate	2.90%
Expected life of option grants (Year)	6 years 3 months	6 years	6 years
Weighted-average grant date fair value (in dollars per share)	$ 11.29	$ 14.68	$ 14.75
Employee Stock Option | Minimum
Dividend yield		0.45%	0.36%
Expected volatility		29.51%	29.64%
Risk-free interest rate		2.60%	2.50%
Employee Stock Option | Maximum
Dividend yield		0.48%	0.47%
Expected volatility		29.59%	29.95%
Risk-free interest rate		2.94%	2.81%
Stock Purchase Grants [Member]
Weighted-average grant date fair value (in dollars per share)	$ 4.81	$ 6.63	$ 6.42
Stock Purchase Grants [Member] | Minimum
Dividend yield	0.69%	0.37%	0.37%
Expected volatility	20.15%	20.90%	19.80%
Risk-free interest rate	2.02%	1.59%	0.67%
Expected life of option grants (Year)	3 months	3 months	3 months
Stock Purchase Grants [Member] | Maximum
Dividend yield	0.75%	0.51%	0.42%
Expected volatility	21.06%	21.40%	19.86%
Risk-free interest rate	2.46%	2.22%	1.18%
Expected life of option grants (Year)	6 months	6 months	6 months

Note 2 - Sales_Mergers_Acquis_3

Note 2 - Sales/Mergers/Acquisitions - Sale of Rockford Bank & Trust (Details) - USD ($) $ in Thousands	Nov. 30, 2019	Nov. 30, 2019	Dec. 31, 2019
ASSETS
Total assets sold			$ 11,966
LIABILITIES
Total liabilities sold			5,003
Gain on sale of certain assets and certain liabilities of RB&T:			12,286
Assets held for sale			11,966
Liabilities held for sale			5,003
Disposition costs			3,325
RB&T
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
Purchase price premium for intangible assets	8.00%
Purchase price premium multiplied	0.345
Purchase price premium	$ 12,500
ASSETS
Cash and cash equivalents	3,973	$ 3,973	3,973
Interest-bearing deposits at financial institutions	55,291	55,291	55,291
Securities held to maturity, at amortized cost	3,243	3,243	3,243
Securities available for sale, at fair value	21,874	21,874	21,874
Loans/leases receivable held for investment, net	357,931	357,931	357,931
Premises and equipment, net	5,612	5,612	5,612
Restricted investment securities	675	675	675
Other real estate owned, net	2,134	2,134	2,134
Other assets	3,228	3,228	3,228
Total assets sold	453,961	453,961	453,961
LIABILITIES
Noninterest-bearing deposits	69,802	69,802	69,802
Interest-bearing deposits	331,486	331,486	331,486
Short-term borrowings	1,158	1,158	1,158
Federal Home Loan Bank advances	15,000	15,000	15,000
Other liabilities	2,241	2,241	2,241
Total liabilities sold	419,687	419,687	419,687
Net assets sold	34,274	34,274
Cash consideration received	46,560	46,560	46,560
Gain on sale of certain assets and certain liabilities of RB&T:		12,286	12,286
Assets held for sale	453,961	453,961	453,961
Liabilities held for sale	$ 419,687	$ 419,687	419,687
Asset held-for-sale
ASSETS
Total assets sold			12,000
LIABILITIES
Total liabilities sold			5,000
Assets held for sale			12,000
Liabilities held for sale			5,000
Disposition costs			$ 3,300

Note 2 - Sales_Mergers_Acquis_4

Note 2 - Sales/Mergers/Acquisitions - Bates Companies (Details) - USD ($)	Oct. 01, 2018	Dec. 31, 2019	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Feb. 12, 2019	Dec. 31, 2016
Business Acquisition [Line Items]
Cash paid				$ 9,834,000	$ 7,803,000
Common stock consideration				81,637,000	30,880,000
Interest rate (as a percent)						5.375%
Business acquisition related costs				1,795,000	1,069,000
Intangibles				10,064,000	2,698,000
Goodwill		$ 74,748,000	$ 74,748,000	77,832,000	$ 28,334,000		$ 13,111,000
Bates Companies [Member]
Business Acquisition [Line Items]
Assets under management	$ 704,000,000
Voting interests acquired (as a percent)	100.00%
Cash paid	$ 3,000,000			$ 1,435,595
Cash consideration paid from operating cash	$ 1,500,000
Stock issued during period (in shares)				23,501
Stock consideration		3,000,000	$ 3,000,000
Number of shares expecting to issue based on 10-day volume weighted average of the closing stock price of the Company ending five days prior to closing			47,003
Business acquisition related costs				$ 394,000
Goodwill		3,700,000	$ 3,700,000
Other Liabilities. | Bates Companies [Member]
Business Acquisition [Line Items]
Business combination, contingent consideration		2,000,000	2,000,000
Customer Lists [Member] | Bates Companies [Member]
Business Acquisition [Line Items]
Intangibles		$ 1,600,000	$ 1,600,000
Promissory Note [Member] | Bates Companies [Member]
Business Acquisition [Line Items]
Repayment period (in years)	5 years
Frequency of installments	annual installments
Periodic payment of principal amount	$ 300,000
Interest rate (as a percent)	2.18%
Promissory Note [Member] | Other Liabilities. | Bates Companies [Member]
Business Acquisition [Line Items]
Promissory note	$ 1,500,000
Maximum | Bates Companies [Member]
Business Acquisition [Line Items]
Common stock consideration	$ 3,000,000
Common Stock [Member] | Bates Companies [Member]
Business Acquisition [Line Items]
Stock issued during period (in shares)		9,400	9,400

Note 2 - Sales_Mergers_Acquis_5

Note 2 - Sales/Mergers/Acquisitions - Pro Forma Combined Operating Results (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Guaranty Bank and Trust Company [Member]
Net interest income		$ 122,923	$ 102,902
Noninterest income		32,703	34,238
Net income		$ 38,728	$ 27,103
Basic (in dollars per share)		$ 2.80	$ 2.05
Diluted (in dollars per share)		$ 2.73	$ 2.02
Springfield Bancshares
Net interest income	$ 153,229	$ 136,190
Noninterest income	42,538	32,395
Net income	$ 49,542	$ 42,316
Basic (in dollars per share)	$ 3.17	$ 2.82
Diluted (in dollars per share)	$ 3.11	$ 2.75
Bates Companies [Member]
Net interest income	$ 142,368	$ 116,029
Noninterest income	44,455	33,044
Net income	$ 44,032	$ 35,627
Basic (in dollars per share)	$ 2.98	$ 2.67
Diluted (in dollars per share)	$ 2.92	$ 2.60

Note 2 - Sales_Mergers_Acquis_6

Note 2 - Sales/Mergers/Acquisitions - Springfield Bancshares, Inc (Details)	Jul. 01, 2018USD ($)location$ / shares	Jun. 29, 2018USD ($)$ / shares	Jun. 30, 2018USD ($)	Dec. 31, 2018USD ($)	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)
Business Acquisition [Line Items]
Common stock consideration					$ 81,637,000	$ 30,880,000
Springfield Bancshares
Business Acquisition [Line Items]
Voting interests acquired (as a percent)	100.00%
Number of branches | location	1
Business acquisition exchange ratio	0.3060
Cash per common share | $ / shares	$ 1.50
Share Price | $ / shares		$ 47.45
Common stock consideration	$ 80,637	$ 80,600,000
Line of credit facility, current borrowing capacity		10,000,000
Goodwill, Period Increase				$ 447,000
Other Borrowings | Springfield Bancshares
Business Acquisition [Line Items]
Proceeds from lines of credit		$ 4,100,000	$ 4,900,000

Note 2 - Sales_Mergers_Acquis_7

Note 2 - Sales/Mergers/Acquisitions - Consideration Paid and Goodwill (Details) - USD ($)	Jul. 01, 2018	Jun. 29, 2018	Oct. 01, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2019	Dec. 31, 2016
ASSETS
Cash and due from banks				$ 4,651,000	$ 4,435,000
Interest-bearing deposits at financial institutions				62,924,000	3,954,000
Securities				4,845,000	49,703,000
Loans/leases receivable, net				477,337,000	192,518,000
Bank-owned life insurance				7,092,000
Premises and equipment				6,092,000	4,808,000
Restricted investment securities				3,654,000	477,000
Other assets				2,255,000	998,000
Total assets sold				578,914,000	259,591,000
LIABILITIES
Deposits				439,579,000	212,468,000
FHLB advances				74,540,000	4,108,000
Other borrowings				9,544,000
Junior subordinated debentures					3,857,000
Other liabilities				8,878,000	2,596,000
Total liabilities assumed				533,684,000	236,131,000
Net assets acquired				45,230,000	23,460,000
Consideration paid:
Cash				9,834,000	7,803,000
Common stock				81,637,000	30,880,000
Total consideration paid				94,971,000	38,683,000
Goodwill				77,832,000	$ 28,334,000	$ 74,748,000	$ 13,111,000
Guaranty Bank and Trust Company [Member]
ASSETS
Cash and due from banks			$ 4,435,000
Interest-bearing deposits at financial institutions			3,954,000
Securities			49,703,000
Loans/leases receivable, net			192,518,000
Premises and equipment			4,808,000
Restricted investment securities			477,000
Other assets			998,000
Total assets sold			259,591,000
LIABILITIES
Deposits			212,468,000
Short-term borrowings			13,102,000
FHLB advances			4,108,000
Junior subordinated debentures			3,857,000
Other liabilities			2,596,000
Total liabilities assumed			236,131,000
Net assets acquired			23,460,000
Consideration paid:
Cash			7,803,000
Common stock			30,880,000
Total consideration paid			38,683,000
Goodwill			$ 15,223,000
Springfield Bancshares
ASSETS
Cash and due from banks	$ 4,586
Interest-bearing deposits at financial institutions	62,924
Securities	4,845
Loans/leases receivable, net	477,337
Bank-owned life insurance	7,092
Premises and equipment	6,092
Restricted investment securities	3,654
Other assets	1,471
Total assets sold	576,210
LIABILITIES
Deposits	439,579
Short-term borrowings	1,143
FHLB advances	74,539
Other borrowings	9,544
Other liabilities	8,409
Total liabilities assumed	533,214
Net assets acquired	42,996
Consideration paid:
Cash	8,334			$ 3,747,209
Common stock	80,637	$ 80,600,000
Total consideration paid	88,971
Goodwill	$ 45,975

Note 2 - Sales_Mergers_Acquis_8

Note 2 - Sales/Mergers/Acquisitions - Purchased Loans As of the Acquisition Date (Details) - USD ($)	Jul. 01, 2018	Oct. 01, 2017
Guaranty Bank and Trust Company [Member]
Contractually required principal payments		$ 196,109
Nonaccretable discount		(1,147)
Principal cash flows expected to be collected		194,962
Accretable discount		(2,444)
Fair Value of acquired loans		192,518
Guaranty Bank and Trust Company [Member] | Performing Loans
Contractually required principal payments		192,983
Principal cash flows expected to be collected		192,983
Accretable discount		(2,224)
Fair Value of acquired loans		190,759
Springfield Bancshares
Contractually required principal payments	$ 486,993
Nonaccretable discount	(1,563)
Principal cash flows expected to be collected	485,430
Accretable discount	(8,093)
Fair Value of acquired loans	477,337
Springfield Bancshares | Performing Loans
Contractually required principal payments	479,440
Principal cash flows expected to be collected	479,440
Accretable discount	(7,800)
Fair Value of acquired loans	471,640
PCI Loans | Guaranty Bank and Trust Company [Member]
Contractually required principal payments		3,126
Nonaccretable discount		(1,147)
Principal cash flows expected to be collected		1,979
Accretable discount		(220)
Fair Value of acquired loans		$ 1,759
PCI Loans | Springfield Bancshares
Contractually required principal payments	7,553
Nonaccretable discount	(1,563)
Principal cash flows expected to be collected	5,990
Accretable discount	(293)
Fair Value of acquired loans	$ 5,697

Note 2 - Sales_Mergers_Acquis_9

Note 2 - Sales/Mergers/Acquisitions - Changes in Accretable Yield (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Balance at the beginning of the period	$ (10,794)	$ (6,471)	$ (9,310)
Discount added at acquisition		(8,093)	(2,444)
Accretion recognized	4,634	5,132	5,283
Balance at the end of the period	(6,435)	(10,794)	(6,471)
Performing Loans
Balance at the beginning of the period	(10,127)	(6,280)	(9,116)
Discount added at acquisition		(7,800)	(2,224)
Accretion recognized	3,749	4,423	5,060
Balance at the end of the period	(6,378)	(10,127)	(6,280)
Guaranty Bank and Trust Company [Member]
Balance at the beginning of the period	(1,621)	(2,363)	(2,444)
Reclassification of nonaccretable discount to accretable	(5)
Accretion recognized	525	742	81
Balance at the end of the period	(1,101)	(1,621)	(2,363)
Guaranty Bank and Trust Company [Member] | Performing Loans
Balance at the beginning of the period	(1,613)	(2,197)	(2,224)
Accretion recognized	518	584	27
Balance at the end of the period	(1,095)	(1,613)	(2,197)
Springfield Bancshares
Balance at the beginning of the period	(6,508)
Discount added at acquisition		(8,093)
Reclassification of nonaccretable discount to accretable	(159)	(892)
Accretion recognized	3,092	2,477
Balance at the end of the period	(3,575)	(6,508)
Springfield Bancshares | Performing Loans
Balance at the beginning of the period	(5,849)
Discount added at acquisition		(7,800)
Accretion recognized	2,325	1,951
Balance at the end of the period	(3,524)	(5,849)
PCI Loans
Balance at the beginning of the period	(667)	(191)	(194)
Discount added at acquisition		(293)	(220)
Reclassification of nonaccretable discount to accretable		892
Accretion recognized	885	709	223
Balance at the end of the period	(57)	(667)	(191)
PCI Loans | Guaranty Bank and Trust Company [Member]
Balance at the beginning of the period	(8)	(166)	(220)
Reclassification of nonaccretable discount to accretable	(5)
Accretion recognized	7	158	54
Balance at the end of the period	(6)	(8)	$ (166)
PCI Loans | Springfield Bancshares
Balance at the beginning of the period	(659)
Discount added at acquisition		(293)
Reclassification of nonaccretable discount to accretable	(159)	(892)
Accretion recognized	767	526
Balance at the end of the period	$ (51)	$ (659)

Note 2 - Sales_Mergers_Acqui_10

Note 2 - Sales/Mergers/Acquisitions - Additional Information (Details) - USD ($)	Jul. 01, 2018	Oct. 01, 2017	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Business Acquisition [Line Items]
Premises and equipment				$ 6,092,000	$ 4,808,000
Core deposit intangible				$ 10,064,000	2,698,000
PCI Loans
Business Acquisition [Line Items]
Remaining life of loan (in months)			8 months	8 months
Springfield Bancshares
Business Acquisition [Line Items]
Premises and equipment	$ 6,092
Core deposit intangible	$ 8,209
Springfield Bancshares | PCI Loans
Business Acquisition [Line Items]
Nonaccretable discount recognized			$ 0	$ 0
Amount accreted to income			$ 153,000
Guaranty Bank and Trust Company [Member]
Business Acquisition [Line Items]
Premises and equipment		$ 4,808,000
Core deposit intangible		$ 2,698,000
Guaranty Bank and Trust Company [Member] | PCI Loans
Business Acquisition [Line Items]
Nonaccretable discount recognized				$ 137,000	$ 158,000
Five Branch Locations [Member] | Guaranty Bank and Trust Company [Member]
Business Acquisition [Line Items]
Property, plant and equipment, useful life		39 years
Ten Branch Locations [Member] | Springfield Bancshares
Business Acquisition [Line Items]
Property, plant and equipment, useful life	39 years
Ten Branch Locations [Member] | Guaranty Bank and Trust Company [Member]
Business Acquisition [Line Items]
Core deposit intangible		$ 4,600,000
Core Deposits [Member] | Springfield Bancshares
Business Acquisition [Line Items]
Acquired finite-lived intangible assets, weighted average useful life	10 years
Core deposit intangible	$ 8,200,000
Core Deposits [Member] | Guaranty Bank and Trust Company [Member]
Business Acquisition [Line Items]
Acquired finite-lived intangible assets, weighted average useful life		10 years

Note 2 - Sales_Mergers_Acqui_11

Note 2 - Sales/Mergers/Acquisitions - FHLB Advances (Details) - USD ($) $ in Thousands	Jul. 02, 2018	Dec. 31, 2018	Sep. 30, 2018	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2019	Jul. 01, 2018
Business Acquisition [Line Items]
Common stock, issued (in shares)		15,718,208		15,718,208		15,828,098
Common stock, outstanding (in shares)		15,718,208		15,718,208		15,828,098
Acquisition costs				$ 1,795	$ 1,069
Springfield Bancshares
Business Acquisition [Line Items]
Overnight FHLB advances assumed							$ 40,000
FHLB term advances assumed							34,500
Subordinated debentures							4,700
Bank stock loan							4,800
Fair value of FHLB and other borrowings assumed							$ 84,100
Revenue of acquiree since acquisition date		$ 15,200	$ 15,200
Earnings of acquiree since acquisition date		4,800	4,800
Payment of bank stock loan	$ 4,800
Acquisition costs		$ 391	$ 391	$ 1,400

Note 2 - Sales_Mergers_Acqui_12

Note 2 - Sales/Mergers/Acquisitions - Guaranty Bank and Trust (Details) $ / shares in Units, $ in Thousands	Oct. 01, 2017locationshares	Sep. 27, 2017USD ($)	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)	Sep. 29, 2017$ / shares
Business Acquisition [Line Items]
Debt Instrument, Face Amount			$ 40,210	$ 40,210
Business Combination, Acquisition Related Costs				1,795	$ 1,069
Post-acquisition compensation, transition and integration costs			$ 3,582	$ 2,086	4,310
Guaranty Bank and Trust Company [Member]
Business Acquisition [Line Items]
Number Of Branches | location	5
Business Acquisition, Percentage of Voting Interests Acquired	100.00%
Percentage of total consideration consisting of common stock	79.00%
Business Acquisition, Equity Interest Issued or Issuable, Number of Shares | shares	678,670
Percentage of total consideration paid in cash	21.00%
Share Price | $ / shares						$ 45.50
Debt Instrument, Face Amount		$ 7,000
Repayment period (in years)		4 years
Term over which goodwill is deductible for tax purposes	15 years
Business Combination, Acquisition Related Costs					805,000
Post-acquisition compensation, transition and integration costs					$ 3,100

Note 3 - Investment Securitie_2

Note 3 - Investment Securities (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)statesecurityitem	Dec. 31, 2018USD ($)item	Dec. 31, 2017USD ($)
Number of securities | security	541
Available-for-sale, unrealized loss positions, qualitative disclosure, number of positions | security	35
Aggregate losses of securities (as a percent)	0.10%
Available-for-sale, unrealized loss positions, qualitative disclosure, number of positions, greater than or equal to one year | security	20
Other than temporary impairment losses, investments | $	$ 0	$ 0	$ 0
Sale of securities | $	30,055	1,938	71,092
Gain on sale | $	176		$ 67
Security Owned and Pledged as Collateral, Fair Value | $	$ 113,300	$ 100,900
Number of states holding investments | state	50
Number Of Charters Owning Municipal Securities | item	4
Municipal securities | General Obligation Bonds
Number of issuers | item	93	110
Other investments | $	$ 77,200	$ 86,400
Number of states holding investments | item	22	26
Municipal securities | General Obligation Bonds | Aggregate Fair Value Exceeding 5 Million [Member]
Number of states holding investments | item	6
Municipal securities | Revenue Bonds
Number of issuers | item	154	160
Other investments | $	$ 396,600	$ 371,900
Number of states holding investments | item	17	19
Revenue Bonds | Revenue Bonds | Minimum
Other investments | $	$ 5,000	$ 5,000
Revenue Bonds | Revenue Bonds | Aggregate Fair Value Exceeding 5 Million [Member]
Number of states holding investments | item	7	7
General Obligation Bonds | General Obligation Bonds | Minimum
Other investments | $	$ 5,000	$ 5,000
General Obligation Bonds | General Obligation Bonds | Aggregate Fair Value Exceeding 5 Million [Member]
Number of states holding investments | item		6

Note 3 - Investment Securitie_3

Note 3 - Investment Securities - Amortized Cost and Fair Value of Investment Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Securities held to maturity:
Securities held to maturity, at amortized cost	$ 400,646	$ 401,913
Securities held to maturity, gross unrealized gains	26,042	5,661
Securities held to maturity, gross unrealized (losses)	(143)	(6,804)
Securities held to maturity, fair value	426,545	400,770
Securities available for sale:
Debt Securities, Available-for-sale, Amortized Cost	206,962	266,671
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	4,068	501
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(335)	(6,116)
Debt Securities, Available-for-sale	210,695	261,056
US States and Political Subdivisions Debt Securities
Securities held to maturity:
Securities held to maturity, at amortized cost	399,596	400,863
Securities held to maturity, gross unrealized gains	26,042	5,661
Securities held to maturity, gross unrealized (losses)	(143)	(6,803)
Securities held to maturity, fair value	425,495	399,721
Securities available for sale:
Debt Securities, Available-for-sale, Amortized Cost	46,659	59,069
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	1,602	180
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(4)	(703)
Debt Securities, Available-for-sale	48,257	58,546
US Government Agencies Debt Securities
Securities available for sale:
Debt Securities, Available-for-sale, Amortized Cost	19,872	37,150
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	283	39
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(77)	(778)
Debt Securities, Available-for-sale	20,078	36,411
Residential mortgage-backed and related securities
Securities available for sale:
Debt Securities, Available-for-sale, Amortized Cost	118,724	163,698
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	2,045	182
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(182)	(4,631)
Debt Securities, Available-for-sale	120,587	159,249
Other Securities
Securities held to maturity:
Securities held to maturity, at amortized cost	1,050	1,050
Securities held to maturity, gross unrealized (losses)		(1)
Securities held to maturity, fair value	1,050	1,049
Securities available for sale:
Debt Securities, Available-for-sale, Amortized Cost	21,707	6,754
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	138	100
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(72)	(4)
Debt Securities, Available-for-sale	$ 21,773	$ 6,850

Note 3 - Investment Securitie_4

Note 3 - Investment Securities - Securities in a Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Securities held to maturity:
Securities held to maturity, less than 12 months, fair value	$ 1,059	$ 114,750
Securities held to maturity, less than 12 months, gross unrealized losses	(1)	(2,188)
Securities held to maturity, 12 months or more, fair value	10,047	69,412
Securities held to maturity, 12 months or more, gross unrealized losses	(142)	(4,616)
Securities held to maturity, fair value	11,106	184,162
Securities held to maturity, gross unrealized losses	(143)	(6,804)
Securities available for sale:
Securities available for sale, less than 12 months, fair value	20,829	46,980
Securities available for sale, less than 12 months, gross unrealized losses	(110)	(580)
Securities available for sale, 12 months or more, fair value	20,703	179,072
Securities available for sale, 12 months or more, gross unrealized losses	(225)	(5,536)
Securities available for sale, fair value	41,532	226,052
Securities available for sale, gross unrealized losses	(335)	(6,116)
US States and Political Subdivisions Debt Securities
Securities held to maturity:
Securities held to maturity, less than 12 months, fair value	509	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	10,047	69,412
Securities held to maturity, 12 months or more, gross unrealized losses	(142)	(4,616)
Securities held to maturity, fair value	10,556	183,613
Securities held to maturity, gross unrealized losses	(143)	(6,803)
Securities available for sale:
Securities available for sale, less than 12 months, fair value	0	28,356
Securities available for sale, less than 12 months, gross unrealized losses	0	(394)
Securities available for sale, 12 months or more, fair value	724	15,932
Securities available for sale, 12 months or more, gross unrealized losses	(4)	(309)
Securities available for sale, fair value	724	44,288
Securities available for sale, gross unrealized losses	(4)	(703)
US Government Agencies Debt Securities
Securities available for sale:
Securities available for sale, less than 12 months, fair value	1,431	1,565
Securities available for sale, less than 12 months, gross unrealized losses	(21)	(34)
Securities available for sale, 12 months or more, fair value	2,117	29,605
Securities available for sale, 12 months or more, gross unrealized losses	(56)	(744)
Securities available for sale, fair value	3,548	31,170
Securities available for sale, gross unrealized losses	(77)	(778)
Residential mortgage-backed and related securities
Securities available for sale:
Securities available for sale, less than 12 months, fair value	2,263	12,810
Securities available for sale, less than 12 months, gross unrealized losses	(17)	(148)
Securities available for sale, 12 months or more, fair value	17,862	133,535
Securities available for sale, 12 months or more, gross unrealized losses	(165)	(4,483)
Securities available for sale, fair value	20,125	146,345
Securities available for sale, gross unrealized losses	(182)	(4,631)
Other Securities
Securities held to maturity:
Securities held to maturity, less than 12 months, fair value	550	549
Securities held to maturity, less than 12 months, gross unrealized losses		(1)
Securities held to maturity, fair value	550	549
Securities held to maturity, gross unrealized losses		(1)
Securities available for sale:
Securities available for sale, less than 12 months, fair value	17,135	4,249
Securities available for sale, less than 12 months, gross unrealized losses	(72)	(4)
Securities available for sale, 12 months or more, fair value	0
Securities available for sale, 12 months or more, gross unrealized losses	0
Securities available for sale, fair value	17,135	4,249
Securities available for sale, gross unrealized losses	$ (72)	$ (4)

Note 3 - Investment Securitie_5

Note 3 - Investment Securities - Sales of Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Investment Securities
Proceeds from sales of securities	$ 30,055	$ 1,938	$ 71,092
Gain on Sale of Investments	176		67
Gross losses from sales of securities	$ (206)		$ (155)

Note 3 - Investment Securitie_6

Note 3 - Investment Securities - Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Securities held to maturity:
Securities held to maturity, due in one year or less, amortized cost	$ 3,220
Securities held to maturity, due in one year or less, fair value	3,234
Securities held to maturity, due after one year through five years, amortized cost	33,088
Securities held to maturity, due after one year through five years, fair value	33,865
Securities held to maturity, due after five years, amortized cost	364,338
Securities held to maturity, due after five years, fair value	389,446
Securities held to maturity, amortized cost	400,646
Securities held to maturity, fair value	426,545	$ 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	1,084
Securities available for sale, due after one year through five years, amortized cost	17,089
Securities available for sale, Due after one year through five years, fair value	17,320
Securities available for sale, due after five years, amortized cost	70,065
Securities available for sale, Due after five years, fair value	71,704
Securities available for sale, single maturity, amortized cost	88,238
Securities available for sale, single maturity, fair value	90,108
Securities available for sale, amortized cost	206,962	266,671
Securities available for sale, fair value	210,695	261,056
Callable Securities [Member]
Securities available for sale:
Securities available for sale, amortized cost	44,174
Securities available for sale, fair value	45,628
US States and Political Subdivisions Debt Securities
Securities held to maturity:
Securities held to maturity, fair value	425,495	399,721
Securities available for sale:
Securities available for sale, amortized cost	46,659	59,069
Securities available for sale, fair value	48,257	58,546
US States and Political Subdivisions Debt Securities | Callable Securities [Member]
Securities held to maturity:
Securities held to maturity, callable, amortized cost	182,653
Securities held to maturity, callable, fair value	186,631
Securities available for sale:
Securities available for sale, callable, amortized cost	39,674
Securities available for sale, callable, fair value	40,990
Residential mortgage-backed and related securities
Securities available for sale:
Securities available for sale, amortized cost	118,724	163,698
Securities available for sale, fair value	120,587	159,249
Securities available for sale, callable, amortized cost	118,724
Securities available for sale, callable, fair value	120,587
Other Securities
Securities held to maturity:
Securities held to maturity, fair value	1,050	1,049
Securities available for sale:
Securities available for sale, amortized cost	21,707	6,754
Securities available for sale, fair value	21,773	$ 6,850
Securities available for sale, callable, amortized cost	4,500
Securities available for sale, callable, fair value	$ 4,638

Note 4 - Loans_Leases Receiva_3

Note 4 - Loans/Leases Receivable (Details)		12 Months Ended
		Dec. 31, 2019USD ($)leaseloanitem	Dec. 31, 2018USD ($)contractleaseloanitem	Dec. 31, 2017USD ($)
Number of Leases | lease		6
Loss related to unguaranteed residual values of leases		$ 0	$ 0	$ 0
Loans and leases		3,681,346,000	3,723,630,000
Loans receivable held for sale		3,673,000	1,295,000
Nonaccrual Loans/Leases		7,902,000	14,260,000
Accruing TDRs		$ 1,700,000	$ 6,500,000
Nonaccrual Loans/Leases | loan		15	14
Financing Receivable, Modifications, Post-Modification Recorded Investment		$ 1,093,000	$ 4,123,000
Financing Receivable, Modifications, Subsequent Default, Number of Contracts		2	5
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		$ 66,000	$ 399,000
Financing Receivables, Impaired, Troubled Debt Restructuring, Write-down		$ 52,000	$ 896,000
Number of TDRs restructured and written off | item		1	13
Threshold for Related Party Loans Evaluated		$ 60,000
Accruing Past Due 90 Days or More		$ 33,000	$ 632,000
Nonaccrual [Member]
Nonaccrual Loans/Leases		3	3
Financing Receivable, Modifications, Post-Modification Recorded Investment		$ 121,000	$ 796,000
Troubled Debt Restructurings [Member]
Nonaccrual Loans/Leases		747,000	2,300,000
Accruing Past Due 90 Days or More			496,000
m2 Lease Funds, LLC [Member]
Loans and leases		142,000,000	103,400,000
Residential Portfolio Segment [Member]
Loans and leases	[1]	239,904,000	290,759,000
Loans Receivable Held-for-sale, Amount		3,700,000	1,300,000
Nonaccrual Loans/Leases		706,000	1,743,000
Accruing Past Due 90 Days or More			89,000
Residential Portfolio Segment [Member] | Troubled Debt Restructurings [Member]
Nonaccrual Loans/Leases		31,000	344,000
Commercial Portfolio Segment [Member]
Loans and leases		1,507,825,000	1,429,410,000
Nonaccrual Loans/Leases		1,236,000	4,088,000
Accruing Past Due 90 Days or More			389,000
Commercial Portfolio Segment [Member] | Troubled Debt Restructurings [Member]
Nonaccrual Loans/Leases		98,000	265,000
Accruing Past Due 90 Days or More			389,000
Commercial Real Estate Portfolio Segment [Member]
Loans and leases		1,736,396,000	1,766,111,000
Commercial Real Estate Portfolio Segment [Member] | Troubled Debt Restructurings [Member]
Nonaccrual Loans/Leases		269,000	1,400,000
Accruing Past Due 90 Days or More			107,000
Finance Leases Portfolio Segment [Member]
Loans and leases		87,869,000	117,969,000
Nonaccrual Loans/Leases		1,517,000	1,761,000
Finance Leases Portfolio Segment [Member] | Troubled Debt Restructurings [Member]
Nonaccrual Loans/Leases		294,000	321,000
Consumer Portfolio Segment [Member]
Loans and leases		109,352,000	119,381,000
Nonaccrual Loans/Leases		556,000	611,000
Accruing Past Due 90 Days or More		33,000	$ 47,000
Consumer Portfolio Segment [Member] | Troubled Debt Restructurings [Member]
Nonaccrual Loans/Leases		55,000
Nonaccrual Loans/Leases			3,000
No Lease End Option Rider [Member]
Number of Leases | lease			9
Lease residual values		$ 547,000	$ 828,000
[1]	Includes residential real estate loans held for sale totaling $3.7 million and $1.3 million as of December 31, 2019 and 2018, respectively.

Note 4 - Loans_Leases Receiva_4

Note 4 - Loans/Leases Receivable - Composition of the Loan Lease Portfolio (Details) - USD ($) $ in Thousands		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Gross loans/leases receivable		$ 3,690,205	$ 3,732,754
Less allowance		(36,001)	(39,847)	$ (34,356)	$ (30,757)
Net loans/leases receivable		3,654,204	3,692,907
Plus deferred loan/lease origination costs, net of fees		8,859	9,124
Loans and leases receivable		3,681,346	3,723,630
Commercial Portfolio Segment [Member]
Less allowance		(16,072)	(16,420)	(14,323)	(12,545)
Loans and leases receivable		1,507,825	1,429,410
Commercial Real Estate Portfolio Segment [Member]
Less allowance		(15,379)	(17,719)	(13,963)	(11,671)
Loans and leases receivable		1,736,396	1,766,111
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Commercial Real Estate Loans [Member]
Loans and leases receivable		443,989	500,654
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans and leases receivable		378,797	236,787
Commercial Real Estate Portfolio Segment [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Loans and leases receivable		913,610	1,028,670
Finance Leases Portfolio Segment [Member]
Net minimum lease receivable		97,025	130,371
Estimated unguaranteed residual values of leased assets		547	828
Unearned lease/residual income		(9,703)	(13,230)
Gross loans/leases receivable		89,761	121,611
Less allowance		(1,464)	(1,792)	(2,382)	(3,112)
Net loans/leases receivable		88,297	119,819
Plus deferred loan/lease origination costs, net of fees		1,892	3,642
Loans and leases receivable		87,869	117,969
Residential Portfolio Segment [Member]
Less allowance		(1,948)	(2,557)	(2,466)	(2,342)
Loans and leases receivable	[1]	239,904	290,759
Consumer Portfolio Segment [Member]
Less allowance		(1,138)	(1,359)	$ (1,222)	$ (1,087)
Loans and leases receivable		$ 109,352	$ 119,381
[1]	Includes residential real estate loans held for sale totaling $3.7 million and $1.3 million as of December 31, 2019 and 2018, respectively.

Note 4 - Loans_Leases Receiva_5

Note 4 - Loans/Leases Receivable - Changes in Accretable Yield (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Balance at the beginning of the period	$ (10,794)	$ (6,471)	$ (9,310)
Discount added at acquisition		(8,093)	(2,444)
Reclassification of nonaccretable discount to accretable	(275)	(1,362)
Accretion recognized	4,634	5,132	5,283
Balance at the end of the period	(6,435)	(10,794)	(6,471)
PCI Loans
Balance at the beginning of the period	(667)	(191)	(194)
Discount added at acquisition		(293)	(220)
Reclassification of nonaccretable discount to accretable	(275)	(892)
Accretion recognized	885	709	223
Balance at the end of the period	(57)	(667)	(191)
Performing Loans
Balance at the beginning of the period	(10,127)	(6,280)	(9,116)
Discount added at acquisition		(7,800)	(2,224)
Reclassification of nonaccretable discount to accretable		(470)
Accretion recognized	3,749	4,423	5,060
Balance at the end of the period	$ (6,378)	$ (10,127)	$ (6,280)

Note 4 - Loans_Leases Receiva_6

Note 4 - Loans/Leases Receivable - Aging of the Loan Lease Portfolio (Details) - USD ($) $ in Thousands		Dec. 31, 2019	Dec. 31, 2018
Current		$ 3,659,453	$ 3,698,177
Accruing Past Due 90 Days or More		33	632
Financing Receivable, Recorded Investment, Nonaccrual Status		7,902	14,260
Loans and leases		$ 3,681,346	$ 3,723,630
Current as a percentage of total loan/lease portfolio		99.41%	99.32%
Accruing past due 90 days or more as a percentage of total loan/lease portfolio		0.00%	0.02%
Nonaccrual Loans/Leases as a percentage of total loan/lease portfolio		0.21%	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		$ 12,638	$ 9,053
Past due as a percentage of total loan/lease portfolio		0.34%	0.24%
Financing Receivables, 60 to 89 Days Past Due [Member]
Past Due		$ 1,320	$ 1,508
Past due as a percentage of total loan/lease portfolio		0.04%	0.04%
Commercial Portfolio Segment [Member]
Current		$ 1,499,891	$ 1,423,406
Accruing Past Due 90 Days or More			389
Financing Receivable, Recorded Investment, Nonaccrual Status		1,236	4,088
Loans and leases		1,507,825	1,429,410
Commercial Portfolio Segment [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Past Due		6,126	930
Commercial Portfolio Segment [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Past Due		572	597
Commercial Real Estate Portfolio Segment [Member]
Loans and leases		1,736,396	1,766,111
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Commercial Real Estate Loans [Member]
Current		443,707	500,138
Accruing Past Due 90 Days or More			107
Financing Receivable, Recorded Investment, Nonaccrual Status		34	216
Loans and leases		443,989	500,654
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Current		375,940	234,704
Financing Receivable, Recorded Investment, Nonaccrual Status			319
Loans and leases		378,797	236,787
Commercial Real Estate Portfolio Segment [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Current		909,684	1,022,664
Financing Receivable, Recorded Investment, Nonaccrual Status		3,853	5,522
Loans and leases		913,610	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		177
Commercial Real Estate Portfolio Segment [Member] | Financing Receivables, 30 to 59 Days Past Due [Member] | Construction Loans [Member]
Past Due		2,857	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		73	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		71	193
Finance Leases Portfolio Segment [Member]
Current		85,636	114,078
Financing Receivable, Recorded Investment, Nonaccrual Status		1,517	1,761
Loans and leases		87,869	117,969
Finance Leases Portfolio Segment [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Past Due		463	1,642
Finance Leases Portfolio Segment [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Past Due		253	488
Residential Portfolio Segment [Member]
Current		235,845	284,844
Accruing Past Due 90 Days or More			89
Financing Receivable, Recorded Investment, Nonaccrual Status		706	1,743
Loans and leases	[1]	239,904	290,759
Residential Portfolio Segment [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Past Due		2,939	3,877
Residential Portfolio Segment [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Past Due		414	206
Consumer Portfolio Segment [Member]
Current		108,750	118,343
Accruing Past Due 90 Days or More		33	47
Financing Receivable, Recorded Investment, Nonaccrual Status		556	611
Loans and leases		109,352	119,381
Consumer Portfolio Segment [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Past Due		3	356
Consumer Portfolio Segment [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Past Due		$ 10	$ 24
[1]	Includes residential real estate loans held for sale totaling $3.7 million and $1.3 million as of December 31, 2019 and 2018, respectively.

Note 4 - Loans_Leases Receiva_7

Note 4 - Loans/Leases Receivable - Loans Leases Nonperforming Loans Leases (Details) - USD ($) $ in Thousands		Dec. 31, 2019		Dec. 31, 2018
Accruing Past Due 90 Days or More		$ 33		$ 632
Nonaccrual Loans/Leases		7,902		14,260
Accruing TDRs		1,700		6,500
Loans and Leases Receivable, Net of Deferred Income		$ 3,681,346		$ 3,723,630
Percentage of Total NPLs		100.00%		100.00%
Nonperforming Financial Instruments [Member]
Accruing Past Due 90 Days or More		$ 33		$ 632
Nonaccrual Loans/Leases		7,902	[1]	14,260	[2]
Accruing TDRs		979		3,659
Loans and Leases Receivable, Net of Deferred Income		$ 8,914		$ 18,551
Percentage of Total NPLs		100.00%		100.00%
Commercial Portfolio Segment [Member]
Accruing Past Due 90 Days or More				$ 389
Nonaccrual Loans/Leases		$ 1,236		4,088
Loans and Leases Receivable, Net of Deferred Income		1,507,825		1,429,410
Commercial Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Accruing Past Due 90 Days or More				389
Nonaccrual Loans/Leases		1,236	[1]	4,088	[2]
Accruing TDRs		646		454
Loans and Leases Receivable, Net of Deferred Income		$ 1,882		$ 4,931
Percentage of Total NPLs		21.12%		26.58%
Commercial Real Estate Portfolio Segment [Member]
Loans and Leases Receivable, Net of Deferred Income		$ 1,736,396		$ 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		34		216
Loans and Leases Receivable, Net of Deferred Income		443,989		500,654
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Nonaccrual Loans/Leases				319
Loans and Leases Receivable, Net of Deferred Income		378,797		236,787
Commercial Real Estate Portfolio Segment [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Nonaccrual Loans/Leases		3,853		5,522
Loans and Leases Receivable, Net of Deferred Income		913,610		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		34	[1]	216	[2]
Loans and Leases Receivable, Net of Deferred Income		$ 34		$ 323
Percentage of Total NPLs		0.38%		1.74%
Commercial Real Estate Portfolio Segment [Member] | Nonperforming Financial Instruments [Member] | Construction Loans [Member]
Nonaccrual Loans/Leases	[2]			$ 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		$ 3,853	[1]	$ 5,522	[2]
Accruing TDRs				2,985
Loans and Leases Receivable, Net of Deferred Income		$ 3,853		$ 8,507
Percentage of Total NPLs		43.22%		45.86%
Finance Leases Portfolio Segment [Member]
Nonaccrual Loans/Leases		$ 1,517		$ 1,761
Loans and Leases Receivable, Net of Deferred Income		87,869		117,969
Finance Leases Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Nonaccrual Loans/Leases		1,517	[1]	1,761	[2]
Accruing TDRs		333		111
Loans and Leases Receivable, Net of Deferred Income		$ 1,850		$ 1,872
Percentage of Total NPLs		20.75%		10.09%
Residential Portfolio Segment [Member]
Accruing Past Due 90 Days or More				$ 89
Nonaccrual Loans/Leases		$ 706		1,743
Loans and Leases Receivable, Net of Deferred Income	[3]	239,904		290,759
Residential Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Accruing Past Due 90 Days or More				89
Nonaccrual Loans/Leases		706	[1]	1,743	[2]
Accruing TDRs				100
Loans and Leases Receivable, Net of Deferred Income		$ 706		$ 1,932
Percentage of Total NPLs		7.92%		10.41%
Consumer Portfolio Segment [Member]
Accruing Past Due 90 Days or More		$ 33		$ 47
Nonaccrual Loans/Leases		556		611
Loans and Leases Receivable, Net of Deferred Income		109,352		119,381
Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Accruing Past Due 90 Days or More		33		47
Nonaccrual Loans/Leases		556	[1]	611	[2]
Accruing TDRs				9
Loans and Leases Receivable, Net of Deferred Income		$ 589		$ 667
Percentage of Total NPLs		6.61%		3.60%
[1]	At December 31, 2019, nonaccrual loans/leases included $747 thousand of TDRs, including $98 thousand in C&I loans, $269 thousand in CRE loans, $294 thousand in direct financing leases, $31 thousand in residential real estate loans, and $55 thousand in installment loans.
[2]	At December 31, 2018, 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.
[3]	Includes residential real estate loans held for sale totaling $3.7 million and $1.3 million as of December 31, 2019 and 2018, respectively.

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								12 Months Ended
		Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2019	Dec. 31, 2018
Balance					$ 39,847				$ 34,356	$ 39,847	$ 34,356	$ 30,757
Removal of allowance related to RB&T loans/leases sold											(6,122)
Provisions charged to expense		$ 979	$ 2,012	$ 1,941	2,134	$ 1,612	$ 6,206	$ 2,301	2,540	7,066	12,658	8,470
Loans/leases charged off										(5,134)	(7,919)	(5,373)
Recoveries on loans/leases previously charged off										772	752	502
Balance		36,001				39,847				36,001	39,847	34,356
Allowance for impaired loans/leases													$ 660	$ 3,659
Allowance for nonimpaired loans/leases													35,341	36,188
Less allowance for estimated losses on loans/leases		36,001			39,847	39,847			34,356	36,001	39,847	34,356	36,001	39,847
Impaired loans/leases													8,661	20,203
Nonimpaired loans/leases													3,672,685	3,703,427
Loans and leases													$ 3,681,346	$ 3,723,630
Allowance as a percentage of impaired loans/leases													7.62%	18.11%
Allowance as a percentage of nonimpaired loans/leases													0.96%	0.98%
Total allowance as a percentage of total loans/leases													0.98%	1.07%
Asset held-for-sale
Provision related to loans included in assets held for sale										428
Provision For Loan Lease And Other Losses Excluding Provision Related To Loans Assets Held For Sale
Provisions charged to expense										6,638
Commercial Portfolio Segment [Member]
Balance					16,420				14,323	16,420	14,323	12,545
Removal of allowance related to RB&T loans/leases sold											(2,814)
Provisions charged to expense											7,161	2,736
Loans/leases charged off										(1,476)	(5,359)	(1,150)
Recoveries on loans/leases previously charged off										276	295	192
Balance		16,072				16,420				16,072	16,420	14,323
Allowance for impaired loans/leases													$ 170	$ 973
Allowance for nonimpaired loans/leases													15,902	15,447
Less allowance for estimated losses on loans/leases		16,072			16,420	16,420			14,323	16,072	16,420	14,323	16,072	16,420
Impaired loans/leases													1,846	4,499
Nonimpaired loans/leases													1,505,979	1,424,911
Loans and leases													$ 1,507,825	$ 1,429,410
Allowance as a percentage of impaired loans/leases													9.21%	21.62%
Allowance as a percentage of nonimpaired loans/leases													1.06%	1.08%
Total allowance as a percentage of total loans/leases													1.07%	1.15%
Commercial Portfolio Segment [Member] | Provision For Loan Lease And Other Losses Excluding Provision Related To Loans Assets Held For Sale
Provisions charged to expense										3,666
Commercial Real Estate Portfolio Segment [Member]
Balance					17,719				13,963	17,719	13,963	11,671
Removal of allowance related to RB&T loans/leases sold											(2,392)
Provisions charged to expense											4,094	4,044
Loans/leases charged off										(1,722)	(387)	(1,795)
Recoveries on loans/leases previously charged off										208	49	43
Balance		15,379				17,719				15,379	17,719	13,963
Allowance for impaired loans/leases													$ 125	$ 2,124
Allowance for nonimpaired loans/leases													15,254	15,595
Less allowance for estimated losses on loans/leases		15,379			17,719	17,719			13,963	15,379	17,719	13,963	15,379	17,719
Impaired loans/leases													3,585	10,447
Nonimpaired loans/leases													1,732,811	1,755,664
Loans and leases													$ 1,736,396	$ 1,766,111
Allowance as a percentage of impaired loans/leases													3.49%	20.33%
Allowance as a percentage of nonimpaired loans/leases													0.88%	0.89%
Total allowance as a percentage of total loans/leases													0.89%	1.00%
Commercial Real Estate Portfolio Segment [Member] | Provision For Loan Lease And Other Losses Excluding Provision Related To Loans Assets Held For Sale
Provisions charged to expense										1,566
Finance Leases Portfolio Segment [Member]
Balance					1,792				2,382	1,792	2,382	3,112
Provisions charged to expense											1,068	1,370
Loans/leases charged off										(1,647)	(2,002)	(2,285)
Recoveries on loans/leases previously charged off										190	344	185
Balance		1,464				1,792				1,464	1,792	2,382
Allowance for impaired loans/leases													$ 270	$ 194
Allowance for nonimpaired loans/leases													1,194	1,598
Less allowance for estimated losses on loans/leases		1,464			1,792	1,792			2,382	1,464	1,792	2,382	1,464	1,792
Impaired loans/leases													2,025	2,249
Nonimpaired loans/leases													85,844	115,720
Loans and leases													$ 87,869	$ 117,969
Allowance as a percentage of impaired loans/leases													13.33%	8.63%
Allowance as a percentage of nonimpaired loans/leases													1.39%	1.38%
Total allowance as a percentage of total loans/leases													1.67%	1.52%
Finance Leases Portfolio Segment [Member] | Provision For Loan Lease And Other Losses Excluding Provision Related To Loans Assets Held For Sale
Provisions charged to expense										1,129
Residential Portfolio Segment [Member]
Balance					2,557				2,466	2,557	2,466	2,342
Removal of allowance related to RB&T loans/leases sold											(628)
Provisions charged to expense											193	197
Loans/leases charged off										(191)	(127)	(102)
Recoveries on loans/leases previously charged off										47	25	29
Balance		1,948				2,557				1,948	2,557	2,466
Allowance for impaired loans/leases													$ 15	$ 257
Allowance for nonimpaired loans/leases													1,933	2,300
Less allowance for estimated losses on loans/leases		1,948			2,557	2,557			2,466	1,948	2,557	2,466	1,948	2,557
Impaired loans/leases													649	2,110
Nonimpaired loans/leases													239,255	288,649
Loans and leases	[1]												$ 239,904	$ 290,759
Allowance as a percentage of impaired loans/leases													2.31%	12.18%
Allowance as a percentage of nonimpaired loans/leases													0.81%	0.80%
Total allowance as a percentage of total loans/leases													0.81%	0.88%
Residential Portfolio Segment [Member] | Provision For Loan Lease And Other Losses Excluding Provision Related To Loans Assets Held For Sale
Provisions charged to expense										163
Consumer Portfolio Segment [Member]
Balance					1,359				1,222	1,359	1,222	1,087
Removal of allowance related to RB&T loans/leases sold											(288)
Provisions charged to expense											142	123
Loans/leases charged off										(98)	(44)	(41)
Recoveries on loans/leases previously charged off										51	39	53
Balance		1,138				1,359				1,138	1,359	1,222
Allowance for impaired loans/leases													$ 80	$ 111
Allowance for nonimpaired loans/leases													1,058	1,248
Less allowance for estimated losses on loans/leases		$ 1,138			$ 1,359	$ 1,359			$ 1,222	1,138	$ 1,359	$ 1,222	1,138	1,359
Impaired loans/leases													556	898
Nonimpaired loans/leases													108,796	118,483
Loans and leases													$ 109,352	$ 119,381
Allowance as a percentage of impaired loans/leases													14.39%	12.38%
Allowance as a percentage of nonimpaired loans/leases													0.97%	1.05%
Total allowance as a percentage of total loans/leases													1.04%	1.14%
Consumer Portfolio Segment [Member] | Provision For Loan Lease And Other Losses Excluding Provision Related To Loans Assets Held For Sale
Provisions charged to expense										$ 114
[1]	Includes residential real estate loans held for sale totaling $3.7 million and $1.3 million as of December 31, 2019 and 2018, respectively.

Note 4 - Loans_Leases Receiva_9

Note 4 - Loans/Leases Receivable - Impaired Loans Leases (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Recorded investment with no specific allowance recorded	$ 4,912	$ 7,938	$ 7,117
Unpaid principal balance with no specific allowance recorded	5,115	10,706	7,203
Average recorded investment with no specific allowance recorded	4,009	6,208	6,354
Interest income recognized with no specific allowance recorded	86	279	216
Interest income recognized for cash payments received with no specific allowance recorded	86	279	216
Recorded investment with specific allowance recorded	3,749	12,265	11,237
Unpaid principal balance with specific allowance recorded	3,749	12,621	11,240
Average recorded investment with specific allowance recorded	2,412	5,460	10,513
Interest income recognized with specific allowance recorded	2		219
Interest income recognized for cash payments received with specific allowance recorded	2	113	219
Recorded investment	8,661	20,203	18,354
Unpaid principal balance	8,864	23,327	18,443
Related allowance	660	3,659	3,043
Average recorded investment	6,421	11,668	16,867
Interest income recognized	88	392	435
Interest income recognized for cash payments received	88	392	435
Commercial Portfolio Segment [Member]
Recorded investment with no specific allowance recorded	1,607	1,846	1,634
Unpaid principal balance with no specific allowance recorded	1,647	4,540	1,645
Average recorded investment with no specific allowance recorded	970	2,346	1,406
Interest income recognized with no specific allowance recorded	27	210	71
Interest income recognized for cash payments received with no specific allowance recorded	27	210	71
Recorded investment with specific allowance recorded	239	2,653	4,615
Unpaid principal balance with specific allowance recorded	239	2,653	4,618
Average recorded investment with specific allowance recorded	124	1,118	4,584
Interest income recognized with specific allowance recorded		43	203
Interest income recognized for cash payments received with specific allowance recorded		43	203
Recorded investment	1,846	4,499	6,249
Unpaid principal balance	1,886	7,193	6,263
Related allowance	170	973	716
Average recorded investment	1,094	3,464	5,990
Interest income recognized	27	253	274
Interest income recognized for cash payments received	27	253	274
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Commercial Real Estate Loans [Member]
Recorded investment with no specific allowance recorded	34	106	289
Unpaid principal balance with no specific allowance recorded	50	106	289
Average recorded investment with no specific allowance recorded	24	107	79
Interest income recognized with no specific allowance recorded			12
Interest income recognized for cash payments received with no specific allowance recorded			12
Recorded investment with specific allowance recorded		304	152
Unpaid principal balance with specific allowance recorded		660	152
Average recorded investment with specific allowance recorded		177	221
Recorded investment	34	410	441
Unpaid principal balance	50	766	441
Related allowance		39	48
Average recorded investment	24	284	300
Interest income recognized			12
Interest income recognized for cash payments received			12
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
Average recorded investment with no specific allowance recorded		101
Recorded investment with specific allowance recorded		149	4,844
Unpaid principal balance with specific allowance recorded		149	4,844
Average recorded investment with specific allowance recorded		159	4,448
Recorded investment		656	4,844
Unpaid principal balance		656	4,844
Related allowance		33	1,379
Average recorded investment		260	4,448
Commercial Real Estate Portfolio Segment [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Recorded investment with no specific allowance recorded	684	1,804	1,172
Unpaid principal balance with no specific allowance recorded	686	1,804	1,172
Average recorded investment with no specific allowance recorded	738	540	1,177
Interest income recognized with no specific allowance recorded	29
Interest income recognized for cash payments received with no specific allowance recorded	29
Recorded investment with specific allowance recorded	2,867	7,577	72
Unpaid principal balance with specific allowance recorded	2,867	7,577	72
Average recorded investment with specific allowance recorded	1,958	3,055	45
Interest income recognized with specific allowance recorded		58
Interest income recognized for cash payments received with specific allowance recorded		58
Recorded investment	3,551	9,381	1,244
Unpaid principal balance	3,553	9,381	1,244
Related allowance	125	2,052	2
Average recorded investment	2,696	3,595	1,222
Interest income recognized	29	58
Interest income recognized for cash payments received	29	58
Finance Leases Portfolio Segment [Member]
Recorded investment with no specific allowance recorded	1,642	1,929	2,945
Unpaid principal balance with no specific allowance recorded	1,642	1,929	2,945
Average recorded investment with no specific allowance recorded	1,322	2,193	2,880
Interest income recognized with no specific allowance recorded	30	60	132
Interest income recognized for cash payments received with no specific allowance recorded	30	60	132
Recorded investment with specific allowance recorded	383	320	725
Unpaid principal balance with specific allowance recorded	383	320	725
Average recorded investment with specific allowance recorded	196	273	625
Interest income recognized with specific allowance recorded	2
Interest income recognized for cash payments received with specific allowance recorded	2
Recorded investment	2,025	2,249	3,670
Unpaid principal balance	2,025	2,249	3,670
Related allowance	270	194	504
Average recorded investment	1,518	2,466	3,505
Interest income recognized	32	60	132
Interest income recognized for cash payments received	32	60	132
Residential Portfolio Segment [Member]
Recorded investment with no specific allowance recorded	469	984	943
Unpaid principal balance with no specific allowance recorded	614	1,058	1,018
Average recorded investment with no specific allowance recorded	481	723	686
Interest income recognized with no specific allowance recorded		9	1
Interest income recognized for cash payments received with no specific allowance recorded		9	1
Recorded investment with specific allowance recorded	180	1,126	761
Unpaid principal balance with specific allowance recorded	180	1,126	761
Average recorded investment with specific allowance recorded	72	553	549
Interest income recognized with specific allowance recorded		12	15
Interest income recognized for cash payments received with specific allowance recorded		12	15
Recorded investment	649	2,110	1,704
Unpaid principal balance	794	2,184	1,779
Related allowance	15	257	355
Average recorded investment	553	1,276	1,235
Interest income recognized		21	16
Interest income recognized for cash payments received		21	16
Consumer Portfolio Segment [Member]
Recorded investment with no specific allowance recorded	476	762	134
Unpaid principal balance with no specific allowance recorded	476	762	134
Average recorded investment with no specific allowance recorded	474	198	126
Recorded investment with specific allowance recorded	80	136	68
Unpaid principal balance with specific allowance recorded	80	136	68
Average recorded investment with specific allowance recorded	62	125	41
Interest income recognized with specific allowance recorded			1
Interest income recognized for cash payments received with specific allowance recorded			1
Recorded investment	556	898	202
Unpaid principal balance	556	898	202
Related allowance	80	111	39
Average recorded investment	$ 536	$ 323	167
Interest income recognized			1
Interest income recognized for cash payments received			$ 1

Note 4 - Loans_Leases Receiv_10

Note 4 - Loans/Leases Receivable - Loans by Internally Assigned Risk Rating (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Loans and leases	$ 3,681,346	$ 3,723,630
Commercial Portfolio Segment [Member]
Loans and leases	1,507,825	1,429,410
Commercial Portfolio Segment [Member] | Internally Assigned Risk Rating [Member]
Loans and leases	1,365,847	1,326,006
Commercial Portfolio Segment [Member] | Pass [Member]
Loans and leases	1,334,446	1,294,418
Commercial Portfolio Segment [Member] | Special Mention [Member]
Loans and leases	12,962	23,302
Commercial Portfolio Segment [Member] | Substandard [Member]
Loans and leases	18,439	8,286
Commercial Real Estate Portfolio Segment [Member]
Loans and leases	1,736,396	1,766,111
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	443,989	500,654
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans and leases	378,797	236,787
Commercial Real Estate Portfolio Segment [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	913,610	1,028,670
Commercial Real Estate Portfolio Segment [Member] | Internally Assigned Risk Rating [Member] | Owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	443,989	500,654
Commercial Real Estate Portfolio Segment [Member] | Internally Assigned Risk Rating [Member] | Construction Loans [Member]
Loans and leases	378,797	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	913,610	1,028,670
Commercial Real Estate Portfolio Segment [Member] | Pass [Member] | Owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	439,418	487,949
Commercial Real Estate Portfolio Segment [Member] | Pass [Member] | Construction Loans [Member]
Loans and leases	378,572	230,473
Commercial Real Estate Portfolio Segment [Member] | Pass [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	896,206	1,008,626
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member] | Owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	3,044	9,599
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member] | Construction Loans [Member]
Loans and leases	41	3,848
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	3,905	5,309
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	1,527	3,106
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Construction Loans [Member]
Loans and leases	184	2,466
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	13,499	14,735
Commercial and Commercial Real Estate Portfolio Segments [Member] | Internally Assigned Risk Rating [Member]
Loans and leases	$ 3,102,243	$ 3,092,117
As a % of Total	100.00%	100.00%
Commercial and Commercial Real Estate Portfolio Segments [Member] | Pass [Member]
Loans and leases	$ 3,048,642	$ 3,021,466
As a % of Total	98.28%	97.72%
Commercial and Commercial Real Estate Portfolio Segments [Member] | Special Mention [Member]
Loans and leases	$ 19,952	$ 42,058
As a % of Total	0.64%	1.36%
Commercial and Commercial Real Estate Portfolio Segments [Member] | Substandard [Member]
Loans and leases	$ 33,649	$ 28,593
As a % of Total	1.08%	0.92%

Note 4 - Loans_Leases Receiv_11

Note 4 - Loans/Leases Receivable - Leases By Delinquency Status (Details) - USD ($) $ in Thousands		Dec. 31, 2019	Dec. 31, 2018
Loans and leases		$ 3,681,346	$ 3,723,630
Nonperforming Financial Instruments [Member]
Loans and leases		8,914	18,551
Commercial Portfolio Segment [Member]
Loans and leases		1,507,825	1,429,410
Commercial Portfolio Segment [Member] | Delinquency Status [Member]
Loans and leases	[1]	141,978	103,404
Commercial Portfolio Segment [Member] | Performing Less Than Ninety Days Past Due [Member}
Loans and leases	[1]	140,992	102,713
Commercial Portfolio Segment [Member] | Non Performing Greater Than Ninety Days Past Due [Member]
Loans and leases	[1]	986	691
Commercial Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Loans and leases		1,882	4,931
Finance Leases Portfolio Segment [Member]
Loans and leases		87,869	117,969
Finance Leases Portfolio Segment [Member] | Delinquency Status [Member]
Loans and leases	[1]	87,869	117,969
Finance Leases Portfolio Segment [Member] | Performing Less Than Ninety Days Past Due [Member}
Loans and leases	[1]	86,019	116,097
Finance Leases Portfolio Segment [Member] | Non Performing Greater Than Ninety Days Past Due [Member]
Loans and leases	[1]	1,850	1,872
Finance Leases Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Loans and leases		1,850	1,872
Residential Portfolio Segment [Member]
Loans and leases	[2]	239,904	290,759
Residential Portfolio Segment [Member] | Delinquency Status [Member]
Loans and leases	[1]	239,904	290,759
Residential Portfolio Segment [Member] | Performing Less Than Ninety Days Past Due [Member}
Loans and leases	[1]	239,198	288,827
Residential Portfolio Segment [Member] | Non Performing Greater Than Ninety Days Past Due [Member]
Loans and leases	[1]	706	1,932
Residential Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Loans and leases		706	1,932
Consumer Portfolio Segment [Member]
Loans and leases		109,352	119,381
Consumer Portfolio Segment [Member] | Delinquency Status [Member]
Loans and leases	[1]	109,352	119,381
Consumer Portfolio Segment [Member] | Performing Less Than Ninety Days Past Due [Member}
Loans and leases	[1]	108,763	118,714
Consumer Portfolio Segment [Member] | Non Performing Greater Than Ninety Days Past Due [Member]
Loans and leases	[1]	589	667
Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Loans and leases		589	667
Lease Residential and Consumer Portfolio Segments [Member] | Delinquency Status [Member]
Loans and leases	[1]	$ 579,103	$ 631,513
As a % of Total	[1]	100.00%	100.00%
Lease Residential and Consumer Portfolio Segments [Member] | Performing Less Than Ninety Days Past Due [Member}
Loans and leases	[1]	$ 574,972	$ 626,351
As a % of Total	[1]	99.29%	99.18%
Lease Residential and Consumer Portfolio Segments [Member] | Non Performing Greater Than Ninety Days Past Due [Member]
Loans and leases	[1]	$ 4,131	$ 5,162
As a % of Total	[1]	0.71%	0.82%
[1]	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 troubled debt restructurings.
[2]	Includes residential real estate loans held for sale totaling $3.7 million and $1.3 million as of December 31, 2019 and 2018, respectively.

Note 4 - Loans_Leases Receiv_12

Note 4 - Loans/Leases Receivable - Troubled Debt Restructurings (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)loan	Dec. 31, 2018USD ($)loan
Number of Loans / Leases | loan	15	14
Pre-Modification Recorded Investment	$ 1,143	$ 4,123
Post-Modification Recorded Investment	1,093	4,123
Specific Allowance	$ 89	$ 1,810
Payment Deferral [Member]
Number of Loans / Leases | loan	13	10
Pre-Modification Recorded Investment	$ 500	$ 1,047
Post-Modification Recorded Investment	500	1,047
Specific Allowance	$ 35	$ 310
Payment Deferral [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member]
Number of Loans / Leases | loan		1
Pre-Modification Recorded Investment		$ 500
Post-Modification Recorded Investment		500
Specific Allowance		$ 60
Extended Maturity [Member]
Number of Loans / Leases | loan		4
Pre-Modification Recorded Investment		$ 3,076
Post-Modification Recorded Investment		3,076
Specific Allowance		$ 1,500
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		$ 1,492
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	10	3
Pre-Modification Recorded Investment	$ 388	$ 75
Post-Modification Recorded Investment	388	$ 75
Specific Allowance	$ 35
Commercial Portfolio Segment [Member] | Payment Deferral [Member]
Number of Loans / Leases | loan	3	5
Pre-Modification Recorded Investment	$ 112	$ 426
Post-Modification Recorded Investment	$ 112	426
Specific Allowance		$ 250
Residential Portfolio Segment [Member] | Payment Deferral [Member]
Number of Loans / Leases | loan		1
Pre-Modification Recorded Investment		$ 46
Post-Modification Recorded Investment		$ 46
Residential Portfolio Segment [Member] | Extended Maturity [Member]
Number of Loans / Leases | loan		2
Pre-Modification Recorded Investment		$ 100
Post-Modification Recorded Investment		100
Specific Allowance		$ 8
Consumer Portfolio Segment [Member] | Extended Maturity [Member]
Number of Loans / Leases | loan	1
Pre-Modification Recorded Investment	$ 56
Post-Modification Recorded Investment	56
Specific Allowance	$ 54

Note 4 - Loans_Leases Receiv_13

Note 4 - Loans/Leases Receivable - Related Party Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Loans/Leases Receivable
Balance, beginning	$ 125,496	$ 66,442	$ 61,609
Net increase (decrease) due to change in related parties	(12,161)	41,797	11,927
Advances	98,708	43,453	13,091
Repayments	(99,213)	(26,196)	(20,185)
Balance, ending	$ 112,830	$ 125,496	$ 66,442

Note 4 - Loans_Leases Receiv_14

Note 4 - Loans/Leases Receivable - Concentration by Industries (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Loans and Leases Receivable, Gross	$ 3,690,205	$ 3,732,754
Lessors of Non-residential Buildings [Member]
Loans and Leases Receivable, Gross	$ 574,058	$ 632,534
Percentage of total loans/leases	17.00%	17.00%
Lessors of Residential Buildings [Member]
Loans and Leases Receivable, Gross	$ 745,770	$ 594,346
Percentage of total loans/leases	22.00%	16.00%
Administration of Urban Planning and Community and Rural Development [Member]
Loans and Leases Receivable, Gross	$ 133,157	$ 111,579
Percentage of total loans/leases	4.00%	3.00%
Bank Holding Companies [Member]
Loans and Leases Receivable, Gross	$ 92,185	$ 75,601
Percentage of total loans/leases	3.00%	2.00%

Note 5 - Premises and Equipme_3

Note 5 - Premises and Equipment (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)
Lease expenses	$ 732
Right of use assets	1,900
Interest income from direct financing lease	6,100
Net investment in direct financing lease	88,300
Other Liabilities.
Operating lease liability	$ 1,900

Note 5 - Premises and Equipme_4

Note 5 - Premises and Equipment - Components of Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Property, Plant and Equipment
Land	$ 13,632	$ 15,582
Buildings (useful lives 15 to 50 years)	66,070	64,299
Furniture and equipment (useful lives 3 to 10 years)	40,228	36,399
Premises and equipment	119,930	116,280
Less accumulated depreciation	46,071	40,698
Premises and equipment, net	$ 73,859	$ 75,582

Note 5 - Premises and Equipme_5

Note 5 - Premises and Equipment - Components of Premises and Equipment (Details)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Building [Member] | Minimum
Useful lives (Year)	15 years	15 years
Building [Member] | Maximum
Useful lives (Year)	50 years	50 years
Furniture and Fixtures [Member] | Minimum
Useful lives (Year)	3 years	3 years
Furniture and Fixtures [Member] | Maximum
Useful lives (Year)	10 years	10 years

Note 5 - Premises and Equipme_6

Note 5 - Premises and Equipment - Maturities of operating lease liabilities (Details) $ in Thousands	Dec. 31, 2019USD ($)
Lessee, Operating Lease, Liability, Payment, Due [Abstract]
2020	$ 541
2021	327
2022	251
2023	200
2024	144
Thereafter	857
Total	$ 2,320

Note 5. Premises and Equipment

Note 5. Premises and Equipment - Contractual Maturities of Sales-type and Direct Financing Lease Receivables (Details) $ in Thousands	Dec. 31, 2019USD ($)
Year ending December 31:
2020	$ 12,123
2021	18,464
2022	23,520
2023	22,845
2024	16,065
Thereafter	4,008
Total lease payments receivable	97,025
Unguaranteed residual values	547
Unearned lease/residual income	(9,703)
Total lease payments receivable, net of residual value and income	87,869
Plus deferred origination costs, net of fees	1,892
Total lease payments receivable, Including deferred origination fee	89,761
Less allowance	(1,464)
Total lease payments receivable	$ 88,297

Note 6 - Goodwill and Intangi_3

Note 6 - Goodwill and Intangibles - Goodwill (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Balance at the beginning of period	$ 77,832	$ 28,334	$ 13,111
Goodwill from acquisition		49,741	15,223
Goodwill impairment	(3,000)
Balance at the end of period	74,748	77,832	28,334
Springfield Bancshares
Goodwill from acquisition		45,975
Bates Companies [Member]
Goodwill from acquisition		3,766
Goodwill from acquisition - measurement period adjustment	(84)
Goodwill impairment	(3,000)
Balance at the end of period	$ 3,700
Guaranty Bank [Member]
Goodwill from acquisition			$ 15,223
Goodwill from acquisition - measurement period adjustment		$ (243)

Note 6 - Goodwill and Intangi_4

Note 6 - Goodwill and Intangibles - Goodwill by Reportable Segment (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Segment Reporting Information [Line Items]
Goodwill	$ 74,748	$ 77,832	$ 28,334	$ 13,111
SFC Bank
Segment Reporting Information [Line Items]
Goodwill	45,975	45,975
Other Segments
Segment Reporting Information [Line Items]
Goodwill	682	3,766
Commercial Banking | QCBT
Segment Reporting Information [Line Items]
Goodwill	3,223	3,223	3,223
Commercial Banking | CRBT
Segment Reporting Information [Line Items]
Goodwill	14,980	14,980	15,223
Commercial Banking | CSB
Segment Reporting Information [Line Items]
Goodwill	9,888	9,888	$ 9,888
Commercial Banking | SFC Bank
Segment Reporting Information [Line Items]
Goodwill	$ 45,975	$ 45,975

Note 6 - Goodwill and Intangi_5

Note 6 - Goodwill and Intangibles - Core Deposit Intangibles (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Balance at the beginning of period	$ 17,450	$ 9,079
Amortization expense	(2,266)	(1,692)	$ (1,001)
Balance at the end of the period	14,970	17,450	9,079
Net book value	14,970	17,450	9,079	$ 14,970	$ 17,450	$ 9,079
Core Deposits [Member]
Balance at the beginning of period	15,595	9,079	7,381
Amortization expense	(2,129)	(1,692)	(1,001)
Balance at the end of the period	13,466	15,595	9,079
Gross carrying amount				19,255	19,255	11,046
Accumulated amortization				(5,789)	(3,660)	(1,967)
Net book value	$ 13,466	15,595	9,079	$ 13,466	$ 15,595	$ 9,079
Core Deposits [Member] | Springfield Bancshares
Core deposit intangible from acquisition		$ 8,208
Core Deposits [Member] | Guaranty Bank [Member]
Core deposit intangible from acquisition			$ 2,699

Note 6 - Goodwill and Intangi_6

Note 6 - Goodwill and Intangibles - Core Deposit Intangibles by Reportable Segment (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Segment Reporting Information [Line Items]
Core deposit intangible	$ 14,970	$ 17,450	$ 9,079
Core Deposits [Member]
Segment Reporting Information [Line Items]
Core deposit intangible	13,466	15,595	9,079	$ 7,381
CRBT | Core Deposits [Member]
Segment Reporting Information [Line Items]
Core deposit intangible	2,684	3,186	3,694
CSB | Core Deposits [Member]
Segment Reporting Information [Line Items]
Core deposit intangible	3,980	4,675	$ 5,385
SFC Bank
Segment Reporting Information [Line Items]
Core deposit intangible	6,802	7,735
SFC Bank | Core Deposits [Member]
Segment Reporting Information [Line Items]
Core deposit intangible	$ 6,802	$ 7,734

Note 6 - Goodwill and Intangi_7

Note 6 - Goodwill and Intangibles - Estimated Amortization Expense of Core Deposit Intangible (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Net book value	$ 14,970	$ 17,450	$ 9,079
Core Deposits [Member]
2020	2,085
2021	2,032
2022	1,971
2023	1,776
2024	1,623
Thereafter	3,979
Net book value	13,466	15,595	$ 9,079	$ 7,381
Customer Lists [Member]
2020	109
2021	109
2022	109
2023	109
2024	109
Thereafter	959
Net book value	$ 1,504	$ 1,855

Note 6 - Goodwill and Intangi_8

Note 6 - Goodwill and Intangibles - Changes in customer list intangible (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Balance at the beginning of period	$ 17,450	$ 9,079
Amortization of intangibles	2,266	1,692	$ 1,001
Balance at the end of the period	14,970	17,450	$ 9,079
Customer Lists [Member]
Balance at the beginning of period	1,855
Amortization of intangibles	(137)
Balance at the end of the period	1,504	1,855
Bates Companies [Member] | Customer Lists [Member]
Customer list intangible from acquisition of Bates Companies		$ 1,855
Customer list intangible from acquisition of Bates Companies - measurement period adjustment	$ (214)

Note 7 - Derivatives and Hedg_3

Note 7 - Derivatives and Hedging Activities (Details) - USD ($) $ in Thousands	Dec. 03, 2019	Dec. 31, 2019	Dec. 31, 2018
Deposits		$ 3,911,051	$ 3,977,031
Short-term liabilities		15,000
Cash Flow Hedging [Member]
Deposits		375,000
Interest rate cap | Cash Flow Hedging [Member]
Initial premium paid upfront for the two caps	$ 4,300
Other Assets [Member] | Designated as Hedging Instrument [Member] | Interest rate cap
Notional Amount		30,000
Other Assets [Member] | Designated as Hedging Instrument [Member] | Interest rate cap | Cash Flow Hedging [Member]
Notional Amount		$ 405,000

Note 7 - Derivatives and Hedg_4

Note 7 - Derivatives and Hedging Activities - Summary of Interest Rate Cap Derivatives (Details) - Designated as Hedging Instrument [Member] - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Derivative Instrument One Maturing 2023 [Member] | Cash Flow Hedging [Member] | Other Assets [Member]
Fair Value - Asset	$ 112
Notional Amount	$ 25,000
Derivative Instrument One Maturing 2023 [Member] | Cash Flow Hedging [Member] | Other Assets [Member] | London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.75%
Derivative Instrument Two Maturing 2023 [Member] | Cash Flow Hedging [Member] | Other Assets [Member]
Fair Value - Asset	$ 218
Notional Amount	$ 50,000
Derivative Instrument Two Maturing 2023 [Member] | Cash Flow Hedging [Member] | Other Assets [Member] | London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.57%
Derivative Instrument Three Maturing 2023 [Member] | Cash Flow Hedging [Member] | Other Assets [Member]
Fair Value - Asset	$ 96
Notional Amount	$ 25,000
Derivative Instrument Three Maturing 2023 [Member] | Cash Flow Hedging [Member] | Other Assets [Member] | London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.90%
Derivative Instrument Four Maturing 2023 [Member] | Cash Flow Hedging [Member] | Other Assets [Member]
Fair Value - Asset	$ 109
Notional Amount	$ 25,000
Derivative Instrument Four Maturing 2023 [Member] | Cash Flow Hedging [Member] | Other Assets [Member] | London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.80%
Derivative Instrument One Maturing 2024 [Member] | Cash Flow Hedging [Member] | Other Assets [Member]
Fair Value - Asset	$ 214
Notional Amount	$ 25,000
Derivative Instrument One Maturing 2024 [Member] | Cash Flow Hedging [Member] | Other Assets [Member] | London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.75%
Derivative Instrument Two Maturing 2024 [Member] | Cash Flow Hedging [Member] | Other Assets [Member]
Fair Value - Asset	$ 401
Notional Amount	$ 50,000
Derivative Instrument Two Maturing 2024 [Member] | Cash Flow Hedging [Member] | Other Assets [Member] | London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.57%
Derivative Instrument Three Maturing 2024 [Member] | Cash Flow Hedging [Member] | Other Assets [Member]
Fair Value - Asset	$ 202
Notional Amount	$ 25,000
Derivative Instrument Three Maturing 2024 [Member] | Cash Flow Hedging [Member] | Other Assets [Member] | London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.90%
Derivative Instrument Four Maturing 2024 [Member] | Cash Flow Hedging [Member] | Other Assets [Member]
Fair Value - Asset	$ 201
Notional Amount	$ 25,000
Derivative Instrument Four Maturing 2024 [Member] | Cash Flow Hedging [Member] | Other Assets [Member] | London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.80%
Derivative Instrument One Maturing 2025 [Member] | Cash Flow Hedging [Member] | Other Assets [Member]
Fair Value - Asset	$ 337
Notional Amount	$ 25,000
Derivative Instrument One Maturing 2025 [Member] | Cash Flow Hedging [Member] | Other Assets [Member] | London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.75%
Derivative Instrument Two Maturing 2025 [Member] | Cash Flow Hedging [Member] | Other Assets [Member]
Fair Value - Asset	$ 617
Notional Amount	$ 50,000
Derivative Instrument Two Maturing 2025 [Member] | Cash Flow Hedging [Member] | Other Assets [Member] | London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.57%
Derivative Instrument Three Maturing 2025 [Member] | Cash Flow Hedging [Member] | Other Assets [Member]
Fair Value - Asset	$ 332
Notional Amount	$ 25,000
Derivative Instrument Three Maturing 2025 [Member] | Cash Flow Hedging [Member] | Other Assets [Member] | London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.90%
Derivative Instrument Four Maturing 2025 [Member] | Cash Flow Hedging [Member] | Other Assets [Member]
Fair Value - Asset	$ 309
Notional Amount	$ 25,000
Derivative Instrument Four Maturing 2025 [Member] | Cash Flow Hedging [Member] | Other Assets [Member] | London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.80%
Interest rate cap | Other Assets [Member]
Notional Amount	$ 30,000
Interest rate cap | Cash Flow Hedging [Member] | Other Assets [Member]
Fair Value - Asset	3,148	$ 459
Notional Amount	405,000
Interest rate swap | Cash Flow Hedging [Member] | Other Liabilities.
Notional Amount	39,000
Maturity Of 2019 | Cash Flow Hedging [Member] | Other Assets [Member]
Fair Value - Asset		117
Notional Amount	15,000
Maturity Of 2021 | Cash Flow Hedging [Member] | Other Assets [Member]
Fair Value - Asset		$ 342
Notional Amount	$ 15,000

Note 7 - Derivatives and Hedg_5

Note 7 - Derivatives and Hedging Activities - Summary of Interest Rate Swaps Derivatives (Details) - Designated as Hedging Instrument [Member] - Other Liabilities. - Cash Flow Hedging [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Interest rate swap
Notional Amount	$ 39,000
Fair Value - Liability	$ (3,758)	$ (1,151)
Receive Rate	4.18%
Pay Rate	5.24%
QCR Holdings Statutory Trust II
Notional Amount	$ 10,000
Fair Value - Liability	$ (971)	(298)
Receive Rate	4.79%
Pay Rate	5.85%
QCR Holdings Statutory Trust III
Notional Amount	$ 8,000
Fair Value - Liability	$ (777)	(239)
Receive Rate	4.79%
Pay Rate	5.85%
QCR Holdings Statutory Trust V
Notional Amount	$ 10,000
Fair Value - Liability	$ (944)	(288)
Receive Rate	3.54%
Pay Rate	4.54%
Community National Statutory Trust II
Notional Amount	$ 3,000
Fair Value - Liability	$ (291)	(89)
Receive Rate	4.08%
Pay Rate	5.17%
Community National Statutory Trust III
Notional Amount	$ 3,500
Fair Value - Liability	$ (339)	(104)
Receive Rate	3.64%
Pay Rate	4.75%
Guaranty Bankshares Statutory Trust I
Notional Amount	$ 4,500
Fair Value - Liability	$ (436)	$ (133)
Receive Rate	3.64%
Pay Rate	4.75%

Note 7 - Derivatives and Hedg_6

Note 7 - Derivatives and Hedging Activities - Changes in Fair Values of Derivative Financial Instruments (Details) - Accumulated Net Gain (Loss) from Cash Flow Hedges Attributable to Parent [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Unrealized loss at beginning of period, net of tax	$ (1,276)	$ (805)
Amount of loss recognized in other comprehensive income, net of tax	(3,061)	(1,073)
Unrealized loss at end of period, net of tax	(3,915)	(1,276)
Hedge Ineffectiveness [Member] | Noninterest Expense [Member]
Amount reclassified from accumulated other comprehensive income		27
Caplet Amortization [Member]
Amount reclassified from accumulated other comprehensive income	$ 422	$ 575

Note 7 - Derivatives and Hedg_7

Note 7 - Derivatives and Hedging Activities - Significantly Impact of operations (Details) - Interest rate swap - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Fee Income On Derivative Contracts	$ 28,300	$ 10,800	$ 3,100
Not Designated as Hedging Instrument [Member]
Derivative Asset, Notional Amount	787,221	445,022
Derivative Assets	84,679	22,196
Derivative Liability, Notional Amount	787,221	445,022
Derivative Liabilities	$ 84,679	$ 22,196

Note 7 - Derivatives and Hedg_8

Note 7 - Derivatives and Hedging Activities - Hedged Interest Rate Swaps and Non-hedged Interest Rate Swaps (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Derivative [Line Items]
Interest rate swaps are collateralized by investment securities	$ 113,300	$ 100,900
Interest rate swap
Derivative [Line Items]
Interest rate swaps are collateralized by investment securities	98,555
Interest rate swap | U.S. govt. sponsored agency securities
Derivative [Line Items]
Interest rate swaps are collateralized by investment securities	3,541
Interest rate swap | Municipal securities
Derivative [Line Items]
Interest rate swaps are collateralized by investment securities	22,924
Interest rate swap | Residential mortgage-backed and related securities
Derivative [Line Items]
Interest rate swaps are collateralized by investment securities	72,090
Collateral Pledged | Interest rate swap
Derivative [Line Items]
Restricted cash	$ 10,000	$ 18,500

Note 8 - Deposits (Details)

Note 8 - Deposits (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Aggregate amount of certificates of deposits, $250,000 minimum denomination	$ 448,600,000	$ 592,700,000
Minimum denomination	250,000
Federal Home Loan Bank of Des Moines [Member]
FHLB advance	47,400,000	80,800,000
Amount outstanding	$ 0	0
Federal Home Loan Bank of Chicago [Member]
FHLB advance		$ 11,000,000

Note 8 - Deposits - Maturities

Note 8 - Deposits - Maturities of Certificates of Deposit (Details) $ in Thousands	Dec. 31, 2019USD ($)
Deposits
2020	$ 523,631
2021	130,895
2022	50,299
2023	9,162
2024	12,269
Thereafter	69
Total	$ 726,325

Note 8 - Deposits - Public Enti

Note 8 - Deposits - Public Entity Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Collateralized by investment securities	$ 9,917	$ 10,863
U.S. govt. sponsored agency securities
Collateralized by investment securities	6,135	980
Residential mortgage-backed and related securities
Collateralized by investment securities	$ 3,782	$ 9,883

Note 9 - Short-term Borrowing_2

Note 9 - Short-term Borrowings - Short-term Borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Short-Term Borrowings
Overnight repurchase agreements with customers	$ 2,193	$ 2,084
Federal funds purchased	11,230	26,690
Short-term borrowings	$ 13,423	$ 28,774

Note 9 - Short-term Borrowing_3

Note 9 - Short-term Borrowings - Overnight Repurchase Agreement Collateralized Investment Securities (Details) - Securities Sold under Agreements to Repurchase [Member] - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Securities sold under repurchase agreements	$ 3,420	$ 24,316
Less: overcollateralized position	1,227	22,232
Assets sold	2,193	2,084
US Government Agencies Debt Securities
Securities sold under repurchase agreements	1,964	3,662
Residential mortgage-backed and related securities
Securities sold under repurchase agreements	$ 1,456	$ 20,654

Note 9 - Short-term Borrowing_4

Note 9 - Short-term Borrowings - Overnight Repurchase Agreements (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Repurchase Agreements with Customers [Member]
Average daily balance during the period	$ 4,231	$ 7,831
Average daily interest rate during the period	0.73%	0.38%
Maximum month-end balance during the period	$ 4,177	$ 10,392
Weighted average rate as of end of period	1.00%	0.90%
Federal Funds Purchased [Member]
Average daily balance during the period	$ 12,594	$ 13,059
Average daily interest rate during the period	2.56%	2.18%
Maximum month-end balance during the period	$ 17,010	$ 32,330
Weighted average rate as of end of period	1.50%	2.46%

Note 10 - FHLB Advances (Detail

Note 10 - FHLB Advances (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
FHLB short term advances	$ 109,300	$ 190,200
FHLB stock	11,700	$ 15,700
Loss on prepayment of FHLB advances	$ (386)
Minimum
FHLB advances maturity period	1 day	1 day
Minimum | Loans Receivable [Member]
FHLB collateral maintenance levels	125.00%
Maximum
FHLB advances maturity period	1 month	1 month
Maximum | Loans Receivable [Member]
FHLB collateral maintenance levels	333.00%
Collateral, Loans [Member]
FHLB advance	$ 1,100,000	$ 1,300
Collateral, Securities [Member]
FHLB advance	$ 1,400	$ 26,900

Note 10 - FHLB Advances - Matur

Note 10 - FHLB Advances - Maturity and Interest Rate Information on Advances from FHLB (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
2020, Amount due	$ 110,900
2020, Weighted average interest rate at year-end	1.73%
2021, Amount due	$ 5,000
2021, Weighted average interest rate at year-end	1.55%
2022, Amount due	$ 23,400
2022, Weighted average interest rate at year-end	1.73%
2023, Amount due	$ 20,000
2023, Weighted average interest rate at year-end	1.84%
Total FHLB advances, Amount due	$ 159,300
Total FHLB advances, Weighted average interest rate at year-end	1.74%
Federal Home Loan Bank, Advances, Putable Option [Member]
2019, Amount due		$ 239,958
2019, Weighted average interest rate at year-end		2.60%
2020, Amount due		$ 11,484
2020, Weighted average interest rate at year-end		1.74%
2021, Amount due		$ 15,050
2021, Weighted average interest rate at year-end		2.32%
Total FHLB advances, Amount due		$ 266,492
Total FHLB advances, Weighted average interest rate at year-end		2.55%

Note 11 - Other Borrowings an_3

Note 11 - Other Borrowings and Unused Lines of Credit - Other Borrowings (Details) $ in Thousands	Dec. 31, 2018USD ($)
Other borrowings	$ 67,250
Revolving line of credit
Other borrowings	9,000
Wholesale structured repurchase agreements
Other borrowings	35,000
Term notes
Other borrowings	$ 23,250

Note 11 - Other Borrowings an_4

Note 11 - Other Borrowings and Unused Line of Credit - Wholesale Structured Repurchase - Narrative (Details) - USD ($) $ in Thousands	Feb. 12, 2019	Jun. 30, 2019	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Mar. 31, 2019
Debt Instrument [Line Items]
Aggregate principal amount			$ 40,210	$ 40,210
FHLB term advances			30,323		$ 4,108
Loss on prepayment of structured repurchase agreement		$ (50)	(436)
Net proceeds after deducting underwriting discount and estimated expenses	$ 63,400		63,393
Fixed rate	5.375%
Loss on debt extinguishment, net		50	436
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
Outstanding amount line of credit			$ 0
Revolving line of credit | London Interbank Offered Rate (LIBOR)
Debt Instrument [Line Items]
Basis points			2.25%
Term Notes Member | London Interbank Offered Rate (LIBOR)
Debt Instrument [Line Items]
Basis points				3.00%
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 11 - Other Borrowings an_5

Note 11 - Other Borrowings and Unused Lines of Credit - Wholesale Structured Repurchase Agreement Collateralized Investment Securities (Details) - Wholesale structured repurchase agreements $ in Thousands	Dec. 31, 2018USD ($)
Securities sold under repurchase agreements	$ 38,870
Less: overcollateralized position	3,870
Assets sold	35,000
Residential mortgage-backed and related securities
Securities sold under repurchase agreements	$ 38,870

Note 11 - Other Borrowings an_6

Note 11 - Other Borrowings and Unused Lines of Credit (Details) - USD ($) $ in Thousands	Feb. 12, 2019	Dec. 31, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018
Other borrowings					$ 67,250
Interest rate (as a percent)		4.18%			4.94%
Revolving line of credit
Other borrowings					$ 9,000
Line of credit facility, maximum borrowing capacity			$ 20,000	$ 10,000
Interest rate (as a percent)		4.01%
Outstanding amount line of credit		$ 0
London Interbank Offered Rate (LIBOR)
Variable interest rate (as a percent)	282.00%
London Interbank Offered Rate (LIBOR) | Revolving line of credit
Variable interest rate (as a percent)		2.25%
Term notes
Other borrowings					$ 23,250
Interest rate (as a percent)					5.52%

Note 11 - Other Borrowings an_7

Note 11 - Other Borrowings and Unused Lines of Credit - Unused Lines of Credit (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Unused lines of credit	$ 380,642	$ 363,690
Secured Debt
Unused lines of credit	45,342	1,690
Unsecured Debt
Unused lines of credit	$ 335,300	$ 362,000

Note 12 - Subordinated Notes (D

Note 12 - Subordinated Notes (Details) $ in Thousands	Aug. 15, 2019	Feb. 12, 2019USD ($)	Dec. 31, 2019USD ($)item	Dec. 31, 2018USD ($)
Subordinated Borrowing [Line Items]
Market Value Discount per ASC 805Market Value Discount per ASC 805			$ (1,606)	$ (218)
Total Subordinated Debentures			68,394	4,782
Gross proceeds		$ 65,000
Net proceeds after deducting underwriting discount and estimated expenses		$ 63,400	63,393
Fixed rate		5.375%
Fixed term	5 years
Unamortized debt issuance costs			1,600
Subordinated debenture dated 2/1/19 [Member]
Subordinated Borrowing [Line Items]
Total Subordinated Debentures			$ 65,000
Interest Rate			5.375%
Subordinated debenture dated 4/30/16 [Member]
Subordinated Borrowing [Line Items]
Total Subordinated Debentures			$ 2,000	$ 2,000
Interest Rate			4.00%	4.00%
Subordinated debenture dated 9/15/16 [Member]
Subordinated Borrowing [Line Items]
Total Subordinated Debentures			$ 3,000	$ 3,000
Interest Rate			4.00%	4.00%
Revolving line of credit
Subordinated Borrowing [Line Items]
Retirement of subordinated debt			$ 21,300
Outstanding amount line of credit			$ 0
Springfield Bancshares
Subordinated Borrowing [Line Items]
Number of subordinated debentures assumed | item			2
Subordinated debentures fixed			5 years
Debentures may be called after a minimum			5 years
London Interbank Offered Rate (LIBOR)
Subordinated Borrowing [Line Items]
Basis points		282.00%
London Interbank Offered Rate (LIBOR) | Revolving line of credit
Subordinated Borrowing [Line Items]
Basis points			2.25%
Subordinated debentures
Subordinated Borrowing [Line Items]
Fair value of subordinated debentures			$ 4,800
Subordinated debentures | Revolving line of credit
Subordinated Borrowing [Line Items]
Outstanding amount line of credit			$ 9,000

Note 13 - Junior Subordinated_3

Note 13 - Junior Subordinated Debentures (Details)	Feb. 12, 2019	Sep. 27, 2017USD ($)	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)	Oct. 01, 2017USD ($)loan	Feb. 29, 2004USD ($)
Other borrowings					$ 3,857,000
Debt Instrument, Face Amount			$ 40,210,000	$ 40,210,000
Debt Instrument, Interest Rate, Effective Percentage			4.18%	4.94%
London Interbank Offered Rate (LIBOR)
Basis points	282.00%
Junior Subordinated Debt [Member]
Repayment period (in years)			30 years
Note Payable to QCR Holdings Capital Trust II [Member]
Debt Instrument, Face Amount							$ 12,372,000
Guaranty Bank and Trust Company [Member]
Number of assumed junior subordinated debentures | loan						1
Other borrowings						$ 3,857,000
Debt Instrument, Face Amount		$ 7,000,000
Repayment period (in years)		4 years

Note 13 - Junior Subordinated_4

Note 13 - Junior Subordinated Debentures - Junior Subordinated Debentures (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Junior subordinated debentures	$ 37,838	$ 37,670
Junior subordinated debentures	(2,372)	(2,540)
Note Payable to QCR Holdings Capital Trust II [Member]
Junior subordinated debentures	10,310	10,310
Note Payable to Trust III [Member]
Junior subordinated debentures	8,248	8,248
Note Payable to Trust V [Member]
Junior subordinated debentures	10,310	10,310
Community National Trust II [Member]
Junior subordinated debentures	3,093	3,093
Community National Trust III [Member]
Junior subordinated debentures	3,609	3,609
Note Payable to Guaranty Bankshares Statutory Trust I [Member]
Junior subordinated debentures	$ 4,640	$ 4,640

Note 13 - Junior Subordinated_5

Note 13 - Junior Subordinated Debentures - Trust Preferred Securities (Details) - USD ($) $ in Thousands	Feb. 12, 2019	Dec. 31, 2019	Dec. 31, 2018
Aggregate principal amount		$ 40,210	$ 40,210
Interest rate (as a percent)		4.18%	4.94%
London Interbank Offered Rate (LIBOR)
Variable interest rate (as a percent)	282.00%
Trust Preferred Securities [Member] | Qcr Holdings Statutory Trust I I Member
Date issued		February 2004
Aggregate principal amount		$ 10,310	$ 10,310
Interest rate (as a percent)		4.79%	5.65%
Trust Preferred Securities [Member] | Qcr Holdings Statutory Trust I I Member | London Interbank Offered Rate (LIBOR)
Variable interest rate (as a percent)		2.85%
Trust Preferred Securities [Member] | QCR Holdings Statutory Trust III [Member]
Date issued		February 2004
Aggregate principal amount		$ 8,248	$ 8,248
Interest rate (as a percent)		4.79%	5.65%
Trust Preferred Securities [Member] | QCR Holdings Statutory Trust III [Member] | London Interbank Offered Rate (LIBOR)
Variable interest rate (as a percent)		2.85%
Trust Preferred Securities [Member] | QCR Holdings Statutory Trust V [Member]
Date issued		February 2006
Aggregate principal amount		$ 10,310	$ 10,310
Interest rate (as a percent)		3.54%	3.99%
Trust Preferred Securities [Member] | QCR Holdings Statutory Trust V [Member] | London Interbank Offered Rate (LIBOR)
Variable interest rate (as a percent)		1.55%
Trust Preferred Securities [Member] | Community National Statutory Trust II [Member]
Date issued		September 2004
Aggregate principal amount		$ 3,093	$ 3,093
Interest rate (as a percent)		4.08%	4.96%
Trust Preferred Securities [Member] | Community National Statutory Trust II [Member] | London Interbank Offered Rate (LIBOR)
Variable interest rate (as a percent)		2.17%
Trust Preferred Securities [Member] | Community National Statutory Trust III [Member]
Date issued		March 2007
Aggregate principal amount		$ 3,609	$ 3,609
Interest rate (as a percent)		3.64%	4.54%
Trust Preferred Securities [Member] | Community National Statutory Trust III [Member] | London Interbank Offered Rate (LIBOR)
Variable interest rate (as a percent)		1.75%
Trust Preferred Securities [Member] | Guaranty Bankshares Statutory Trust I [Member]
Date issued		May 2005
Aggregate principal amount		$ 4,640	$ 4,640
Interest rate (as a percent)		3.64%	4.54%
Trust Preferred Securities [Member] | Guaranty Bankshares Statutory Trust I [Member] | London Interbank Offered Rate (LIBOR)
Variable interest rate (as a percent)		1.75%

Note 14 - Federal and State I_3

Note 14 - Federal and State Income Taxes (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Unrecognized tax benefits that would impact effective tax rate		$ 1,100
Unrecognized tax benefits, interest on income taxes accrued		$ 232	$ 205
Effective income tax rate		21.00%	21.00%	35.00%
Re-measurement of deferred tax asset to incorporate newly enacted tax rates	$ (2,900)			$ 2,919
Domestic Tax Authority [Member]
Deferred tax assets, operating loss carryforwards, subject to expiration		$ 3,500
State and Local Jurisdiction [Member]
Deferred tax assets, operating loss carryforwards, subject to expiration		$ 2,100

Note 14 - Federal and State I_4

Note 14 - Federal and State Income Taxes - Federal and State Income Tax Expense (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Federal and State Income Taxes
Current									$ 8,255	$ 2,723	$ 10,976
Deferred									6,364	6,292	(6,030)
Federal and state income tax expense	$ 6,560	$ 3,573	$ 3,073	$ 1,413	$ 3,535	$ 1,608	$ 1,881	$ 1,991	$ 14,619	$ 9,015	$ 4,946

Note 14 - Federal and State I_5

Note 14 - Federal and State Income Taxes - Reconciliation of the Expected Federal Income Tax Expense (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Federal and State Income Taxes
Computed "expected" tax expense									$ 15,126	$ 10,948	$ 14,229
Tax exempt income, net									(4,470)	(3,958)	(5,654)
Bank-owned life insurance									(360)	(343)	(631)
State income taxes, net of federal benefit, current year									3,668	2,681	1,765
Change in unrecognized tax benefits									(93)	(45)	(54)
Goodwill impairment									630
Intended liquidation of bank-owned life insurance									790
Tax credits									705	154	341
Acquisition costs										227
Excess tax benefit on stock options exercised and restricted stock awards vested									(287)	(425)	(1,220)
Re-measurement of deferred tax asset to incorporate newly enacted tax rates											(2,919)
Other									320	84	(229)
Federal and state income tax expense	$ 6,560	$ 3,573	$ 3,073	$ 1,413	$ 3,535	$ 1,608	$ 1,881	$ 1,991	$ 14,619	$ 9,015	$ 4,946
Computed "expected" tax expense (in percentage)									21.00%	21.00%	35.00%
Tax exempt income, net (in percentage)									(6.20%)	(7.60%)	(13.90%)
Bank-owned life insurance (in percentage)									(0.50%)	(0.60%)	(1.50%)
State income taxes, net of federal benefit, current year (in percentage)									5.10%	5.20%	4.30%
Change in unrecognized tax benefits (in percentage)									(0.10%)	(0.10%)	(0.10%)
Goodwill impairment (in percentage)									0.90%
Intended liquidation of bank-owned life insurance (in percentage)									1.10%
Tax credits (in percentage)									(1.00%)	(0.30%)	(0.80%)
Acquisition costs (in percentage)										0.40%
Excess tax benefit on stock options exercised and restricted stock awards vested (in percentage)									(0.40%)	(0.80%)	(3.00%)
Re-measurement of deferred tax asset to incorporate newly enacted tax rates (in percentage)											(7.20%)
Other (in percentage)									0.40%	0.10%	(0.60%)
Federal and state income tax expense (in percentage)									20.30%	17.30%	12.20%

Note 14 - Federal and State I_6

Note 14 - Federal and State Income Taxes - Unrecognized Tax Benefits (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Federal and State Income Taxes
Balance, beginning	$ 1,249,000	$ 1,293,000
Impact of tax positions taken during current year	375,000	287,000
Gross decrease related to tax positions of prior years		(178)
Gross increase related to tax positions of prior years	44
Reduction as a result of a lapse of the applicable statute of limitations	(414,000)	(153,000)
Balance, ending	$ 1,254,000	$ 1,249,000

Note 14 - Federal and State I_7

Note 14 - Federal and State Income Taxes - Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Deferred tax assets:
Alternative minimum tax credits		$ 2,911
Historic tax credits	$ 68	1,937
Net unrealized losses on securities available for sale and derivative instruments	126	1,687
Compensation	8,433	6,772
Loan/lease losses	11,332	9,549
Net operating loss carryforwards, federal and state	739	849
Other	605	53
Deferred tax assets	21,303	23,758
Deferred tax liabilities:
Premises and equipment	4,616	2,717
Equipment financing leases	16,252	18,329
Acquisition fair value adjustments	3,963	2,739
Intended liquidation of bank-owned life insurance	850
Gain on sale of assets and liabilities of subsidiary	794
Investment accretion	28	31
Deferred loan origination fees, net	704	482
Other	832	424
Deferred tax liabilities	28,039	24,722
Net deferred tax liabilities	$ (6,736)	$ (964)

Note 14 - Federal and State I_8

Note 14 - Federal and State Income Taxes - The Change in Deferred Income Taxes (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Federal and State Income Taxes
Provision for income taxes		$ 6,364	$ 6,292	$ (6,030)
Net deferred tax asset resulting from market value adjustments of acquisitions		(381)	(52)	243
Net deferred tax liabilities resulting from sale of bank subsidiary		(1,644)
Re-measurement of deferred tax asset to incorporate newly enacted tax rates	$ (2,900)			2,919
Statement of stockholders' equity- Other comprehensive income (loss)		1,433	(1,000)	668
Total		$ 5,772	$ 5,240	$ (2,200)

Note 15 - Employee Benefit Pl_3

Note 15 - Employee Benefit Plans (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Percent of employee contributions matched	4.50%
Discretionary contributions	$ 0	$ 0	$ 0
Deferred compensation liability, current and noncurrent	19,474,000	15,029,000	12,347,000	$ 10,455,000
Deferred compensation matching contributions	$ 2,474,000	1,407,000	$ 933,000
Minimum
Defined benefit plan eligible age limit	18 years
Minimum | Certain Executive Officers [Member]
Deferred compensation matching contributions	$ 8,000
Interest on deferred compensation amounts	4.00%
Maximum | Certain Executive Officers [Member]
Deferred compensation matching contributions	$ 25,000
Interest on deferred compensation amounts	12.00%
Certain Management Officers [Member]
Deferred compensation liability, current and noncurrent	$ 19,500,000	$ 15,000,000
Number of monthly installment payments	180 months
Certain Management Officers [Member] | Minimum
Company matching contribution percent (as a percent)	4.00%
Interest on deferred compensation amounts	4.00%
Certain Management Officers [Member] | Maximum
Company matching contribution percent (as a percent)	10.00%
Interest on deferred compensation amounts	8.00%
First 3% of Employees Wages [Member]
Company matching contribution percent (as a percent)	100.00%
Match at 100% [Member]
Percent of employee contributions matched	3.00%
From 4% to 4.5% of Employees Wages [Member]
Company matching contribution percent (as a percent)	50.00%
Matched at 50% [Member]
Percent of employee contributions matched	3.00%

Note 15 - Employee Benefit Pl_4

Note 15 - Employee Benefit Plans - Profit Sharing Contributions (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Employee Benefit Plans
Matching contribution	$ 2,443	$ 2,000	$ 1,663

Note 15 - Employee Benefit Pl_5

Note 15 - Employee Benefit Plans - Deferred Compensation Agreements (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Balance, beginning	$ 15,029	$ 12,347	$ 10,455
Employee deferrals	2,474	1,407	933
Company match and interest	2,072	1,367	1,025
Cash payments made	(101)	(92)	(66)
Balance, ending	19,474	15,029	12,347
Supplemental Executive Retirement Plans [Member]
Balance, beginning	4,623	4,330	4,093
Company match and interest	701	457	401
Cash payments made	(164)	(164)	(164)
Balance, ending	$ 5,160	$ 4,623	$ 4,330

Note 16 - Stock-Based Compens_3

Note 16 - Stock-Based Compensation (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Jan. 01, 2019
Expected life	10 years
Minimum
Vesting period	3 years
Maximum
Vesting period	7 years
The 2008 Equity Incentive Plan [Member]
Shares of common stock authorized	250,000
2010 Equity Incentive Plan [Member]
Shares of common stock authorized	350,000
The 2013 Equity Incentive Plan [Member]
Shares of common stock authorized	350,000
The 2016 Equity Incentive Plan [Member]
Shares of common stock authorized	400,000
Remaining shares of common stock available for grant	219,305
Employee Stock Purchase Plan
Remaining shares of common stock available for grant				128,320
Maximum amount any one participant can elect in an offering period	$ 10
Maximum amount any one participant can contribute (as a percent)	15.00%	10.00%	10.00%

Note 16 - Stock-Based Compens_4

Note 16 - Stock-Based Compensation - Stock-based Compensation Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Allocated Share-based Compensation Expense	$ 2,469	$ 1,443	$ 1,187
Employee Stock Option
Allocated Share-based Compensation Expense	475	472	554
Restricted Stock
Allocated Share-based Compensation Expense	1,850	857	553
Employee Stock Purchase Plan
Allocated Share-based Compensation Expense	$ 144	$ 114	$ 80

Note 16 - Stock-Based Compens_5

Note 16 - Stock-Based Compensation - Stock Option Plans (Details) - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Stock-Based Compensation
Outstanding, shares (in shares)	469,572	513,554	587,961
Outstanding, Weighted average exercise price (in dollars per share)	$ 18.52	$ 17.13	$ 14.83
Granted, shares (in shares)	20,200	16,315	43,250
Granted, Weighted average exercise price (in dollars per share)	$ 36	$ 44.02	$ 43.86
Exercised, shares (in shares)	(59,393)	(60,127)	(114,100)
Exercised, Weighted average exercise price (in dollars per share)	$ 12.11	$ 13.56	$ 15.12
Forfeited, shares (in shares)	(3,466)	(170)	(3,557)
Forfeited, Weighted average exercise price (in dollars per share)	$ 31.59	$ 16.81	$ 26.74
Outstanding, shares (in shares)	426,913	469,572	513,554
Outstanding, Weighted average exercise price (in dollars per share)	$ 20.14	$ 18.52	$ 17.13
Exercisable, , shares (in shares)	365,084	358,270	354,269
Weighted-average grant date fair value (in dollars per share)	$ 11.29	$ 14.68	$ 14.75

Note 16 - Stock-Based Compens_6

Note 16 - Stock-Based Compensation - Options Outstanding (Details)	12 Months Ended
	Dec. 31, 2019$ / sharesshares
Number outstanding (in shares) | shares	426,913
Number exercisable (in shares) | shares	365,084
$7.99 to $8.93
Exercise price range, lower range (in dollars per share)	$ 7.99
Exercise price range, upper range (in dollars per share)	$ 8.93
Number outstanding (in shares) | shares	18,405
Weighted average remaining contractual life (Year)	1 year 1 month 10 days
Weighted average exercise price options outstanding (in dollars per share)	$ 8.10
Number exercisable (in shares) | shares	18,405
Weighted average exercise price options exercisable (in dollars per share)	$ 8.10
$9.00 to $9.30
Exercise price range, lower range (in dollars per share)	9
Exercise price range, upper range (in dollars per share)	$ 9.30
Number outstanding (in shares) | shares	88,490
Weighted average remaining contractual life (Year)	1 year 5 months 19 days
Weighted average exercise price options outstanding (in dollars per share)	$ 9.21
Number exercisable (in shares) | shares	88,490
Weighted average exercise price options exercisable (in dollars per share)	$ 9.21
$15.50 to $15.65
Exercise price range, lower range (in dollars per share)	15.50
Exercise price range, upper range (in dollars per share)	$ 15.65
Number outstanding (in shares) | shares	67,541
Weighted average remaining contractual life (Year)	3 years 2 months 27 days
Weighted average exercise price options outstanding (in dollars per share)	$ 15.64
Number exercisable (in shares) | shares	66,741
Weighted average exercise price options exercisable (in dollars per share)	$ 15.64
$17.10 to $18.00
Exercise price range, lower range (in dollars per share)	17.10
Exercise price range, upper range (in dollars per share)	$ 18
Number outstanding (in shares) | shares	115,645
Weighted average remaining contractual life (Year)	4 years 6 months 22 days
Weighted average exercise price options outstanding (in dollars per share)	$ 17.31
Number exercisable (in shares) | shares	114,633
Weighted average exercise price options exercisable (in dollars per share)	$ 17.30
$21.71 to $22.64
Exercise price range, lower range (in dollars per share)	21.71
Exercise price range, upper range (in dollars per share)	$ 22.64
Number outstanding (in shares) | shares	59,905
Weighted average remaining contractual life (Year)	6 years 29 days
Weighted average exercise price options outstanding (in dollars per share)	$ 22.63
Number exercisable (in shares) | shares	46,309
Weighted average exercise price options exercisable (in dollars per share)	$ 22.63
$36.00 to $48.50
Exercise price range, lower range (in dollars per share)	36
Exercise price range, upper range (in dollars per share)	$ 48.50
Number outstanding (in shares) | shares	76,927
Weighted average remaining contractual life (Year)	7 years 10 months 28 days
Weighted average exercise price options outstanding (in dollars per share)	$ 41.84
Number exercisable (in shares) | shares	30,506
Weighted average exercise price options exercisable (in dollars per share)	$ 43.73

Note 16 - Stock-Based Compens_7

Note 16 - Stock-Based Compensation - Restricted Stock Awards (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Restricted Stock
Outstanding, beginning (in shares)	64,099	46,389	39,438
Granted (in shares)	18,634	22,660	28,289
Forfeited (in shares)	(5,610)
Outstanding, ending (in shares)	106,826	64,099	46,389
Weighted average fair value per share granted (in dollars per share)	$ 20.14	$ 43.50	$ 44.44
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period, Grant Date Fair Value	$ 1,300	$ 622	$ 509
Restricted Stock Units (RSUs)
Granted (in shares)	49,269	14,655
Performance Shares [Member]
Granted (in shares)	18,058
Restricted Stock And Restricted Stock Units
Granted (in shares)	85,961	37,315	28,289
Released (in shares)	(37,624)	(19,605)	(21,338)

Note 16 - Stock-Based Compens_8

Note 16 - Stock-Based Compensation - Stock Purchase Plan (Details) - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Issuance of shares of common stock as a result of stock purchased under the Employee Stock Purchase Plan (in shares)	28,775
Employee Stock Purchase Plan
Shares granted (in shares)	29,882	17,305	12,414
Issuance of shares of common stock as a result of stock purchased under the Employee Stock Purchase Plan (in shares)	28,775	15,528	13,318
Weighted average fair value per share granted (in dollars per share)	$ 4.81	$ 6.63	$ 6.42

Note 17 - Regulatory Capital _3

Note 17 - Regulatory Capital Requirements and Restrictions on Dividends - (Details)	Dec. 31, 2019security	Feb. 18, 2020shares
The number of junior subordinated private placement debentures issued	4
The number of junior subordinated private placement debentures assumed	3
Outstanding shares (as a percent)	5.00%
Maximum
Shares repurchased | shares		800,000

Note 17 - Regulatory Capital _4

Note 17 - Regulatory Capital Requirements and Restrictions on Dividends - Capital Requirements (Details) - USD ($) $ in Thousands		Dec. 31, 2019	Dec. 31, 2018
Total risk-based capital, actual, amount		$ 581,234	$ 460,416
Total risk-based capital, actual, ratio		13.33%	10.69%
Total risk-based capital for capital adequacy purposes, amount, without capital conservation buffer		$ 348,937	$ 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		$ 457,980	$ 425,305
Total risk-based capital for capital adequacy purposes, ratio	[1]	10.50%	9.875%
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount	[1]	$ 436,171	$ 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		$ 481,702	$ 420,569
Tier 1 risk-based capital, actual, ratio		11.04%	9.77%
Tier 1 risk-based capital for capital adequacy purposes, amount, without capital conservation buffer		$ 261,703	$ 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		$ 370,746	$ 339,168
Tier 1 risk-based capital for capital adequacy purposes, ratio	[1]	8.50%	7.875%
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount	[1]	$ 348,937	$ 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		$ 481,702	$ 420,569
Tier 1 leverage, actual, ratio		9.53%	8.87%
Tier 1 leverage for capital adequacy purposes, amount, without capital conservation buffer		$ 202,207	$ 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		$ 202,207	$ 189,858
Tier 1 leverage for capital adequacy purposes, ratio	[1]	4.00%	4.00%
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount	[1]	$ 252,758	$ 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		$ 443,864	$ 382,899
Common equity Tier 1, actual ratio		10.18%	8.89%
Common equity Tier 1 for capital adequacy purposes, amount, without capital conservation buffer		$ 196,277	$ 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		$ 305,320	$ 274,564
Common equity Tier 1 for capital adequacy purposes, ratio	[1]	7.00%	6.375%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount	[1]	$ 283,511	$ 279,948
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio		6.50%	6.50%
QCBT
Total risk-based capital, actual, amount		$ 183,855	$ 162,009
Total risk-based capital, actual, ratio		11.83%	11.38%
Total risk-based capital for capital adequacy purposes, amount, without capital conservation buffer		$ 124,362	$ 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		$ 163,225	$ 140,596
Total risk-based capital for capital adequacy purposes, ratio	[1]	10.50%	9.875%
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount	[1]	$ 155,452	$ 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		$ 170,137	$ 148,529
Tier 1 risk-based capital, actual, ratio		10.94%	10.43%
Tier 1 risk-based capital for capital adequacy purposes, amount, without capital conservation buffer		$ 93,271	$ 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		$ 132,134	$ 112,121
Tier 1 risk-based capital for capital adequacy purposes, ratio	[1]	8.50%	7.875%
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount	[1]	$ 124,362	$ 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		$ 170,137	$ 148,529
Tier 1 leverage, actual, ratio		9.94%	9.04%
Tier 1 leverage for capital adequacy purposes, amount, without capital conservation buffer		$ 68,479	$ 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		$ 68,479	$ 65,744
Tier 1 leverage for capital adequacy purposes, ratio	[1]	4.00%	4.00%
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount	[1]	$ 85,598	$ 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		$ 170,137	$ 148,529
Common equity Tier 1, actual ratio		10.94%	10.43%
Common equity Tier 1 for capital adequacy purposes, amount, without capital conservation buffer		$ 69,953	$ 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		$ 108,817	$ 90,764
Common equity Tier 1 for capital adequacy purposes, ratio	[1]	7.00%	6.375%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount	[1]	$ 101,044	$ 92,544
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio		6.50%	6.50%
CRBT
Total risk-based capital, actual, amount		$ 175,498	$ 146,292
Total risk-based capital, actual, ratio		11.90%	11.55%
Total risk-based capital for capital adequacy purposes, amount, without capital conservation buffer		$ 117,953	$ 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		$ 154,813	$ 125,054
Total risk-based capital for capital adequacy purposes, ratio	[1]	10.50%	9.875%
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount	[1]	$ 147,441	$ 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		$ 162,127	$ 133,982
Tier 1 risk-based capital, actual, ratio		11.00%	10.58%
Tier 1 risk-based capital for capital adequacy purposes, amount, without capital conservation buffer		$ 88,465	$ 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		$ 125,325	$ 99,727
Tier 1 risk-based capital for capital adequacy purposes, ratio	[1]	8.50%	7.875%
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount	[1]	$ 117,953	$ 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		$ 162,127	$ 133,982
Tier 1 leverage, actual, ratio		10.41%	9.98%
Tier 1 leverage for capital adequacy purposes, amount, without capital conservation buffer		$ 62,286	$ 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		$ 62,286	$ 53,682
Tier 1 leverage for capital adequacy purposes, ratio	[1]	4.00%	4.00%
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount	[1]	$ 77,857	$ 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		$ 162,127	$ 133,982
Common equity Tier 1, actual ratio		11.00%	10.58%
Common equity Tier 1 for capital adequacy purposes, amount, without capital conservation buffer		$ 66,349	$ 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		$ 103,209	$ 80,731
Common equity Tier 1 for capital adequacy purposes, ratio	[1]	7.00%	6.375%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount	[1]	$ 95,837	$ 82,314
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio		6.50%	6.50%
CSB
Total risk-based capital, actual, amount		$ 92,095	$ 75,233
Total risk-based capital, actual, ratio		12.32%	11.24%
Total risk-based capital for capital adequacy purposes, amount, without capital conservation buffer		$ 59,813	$ 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		$ 78,504	$ 66,122
Total risk-based capital for capital adequacy purposes, ratio	[1]	10.50%	9.875%
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount	[1]	$ 74,766	$ 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		$ 85,437	$ 69,101
Tier 1 risk-based capital, actual, ratio		11.43%	10.32%
Tier 1 risk-based capital for capital adequacy purposes, amount, without capital conservation buffer		$ 44,860	$ 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		$ 63,551	$ 52,730
Tier 1 risk-based capital for capital adequacy purposes, ratio	[1]	8.50%	7.875%
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount	[1]	$ 59,813	$ 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		$ 85,437	$ 69,101
Tier 1 leverage, actual, ratio		10.39%	9.19%
Tier 1 leverage for capital adequacy purposes, amount, without capital conservation buffer		$ 32,902	$ 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		$ 32,902	$ 30,070
Tier 1 leverage for capital adequacy purposes, ratio	[1]	4.00%	4.00%
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount	[1]	$ 41,128	$ 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		$ 85,437	$ 69,101
Common equity Tier 1, actual ratio		11.43%	10.32%
Common equity Tier 1 for capital adequacy purposes, amount, without capital conservation buffer		$ 33,645	$ 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		$ 52,336	$ 42,686
Common equity Tier 1 for capital adequacy purposes, ratio	[1]	7.00%	6.375%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount	[1]	$ 48,598	$ 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		$ 71,074	$ 57,051
Total risk-based capital, actual, ratio		12.72%	12.24%
Total risk-based capital for capital adequacy purposes, amount, without capital conservation buffer		$ 44,704	$ 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		$ 58,674	$ 46,016
Total risk-based capital for capital adequacy purposes, ratio	[1]	10.50%	9.875%
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount	[1]	$ 55,880	$ 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		$ 63,956	$ 51,279
Tier 1 risk-based capital, actual, ratio		11.45%	11.00%
Tier 1 risk-based capital for capital adequacy purposes, amount, without capital conservation buffer		$ 33,528	$ 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		$ 47,498	$ 36,696
Tier 1 risk-based capital for capital adequacy purposes, ratio	[1]	8.50%	7.875%
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount	[1]	$ 44,704	$ 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		$ 63,956	$ 51,279
Tier 1 leverage, actual, ratio		9.70%	9.39%
Tier 1 leverage for capital adequacy purposes, amount, without capital conservation buffer		$ 26,379	$ 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		$ 26,379	$ 21,849
Tier 1 leverage for capital adequacy purposes, ratio	[1]	4.00%	4.00%
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount	[1]	$ 32,974	$ 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		$ 63,956	$ 51,279
Common equity Tier 1, actual ratio		11.45%	11.00%
Common equity Tier 1 for capital adequacy purposes, amount, without capital conservation buffer		$ 25,146	$ 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		$ 39,116	$ 29,706
Common equity Tier 1 for capital adequacy purposes, ratio	[1]	7.00%	6.375%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount	[1]	$ 36,322	$ 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	[1]		9.875%
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount	[1]		$ 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	[1]		7.875%
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount	[1]		$ 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	[1]		4.00%
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount	[1]		$ 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	[1]		6.375%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount	[1]		$ 30,232
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio			6.50%
[1]	December 31, 2019 minimums reflect the fully phased-in ratios (including the capital conservation buffer).

Note 18 - Earnings per Share -

Note 18 - Earnings per Share - Basic and Diluted (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Earnings Per Share
Net income	$ 15,891	$ 15,095	$ 13,504	$ 12,918	$ 13,316	$ 8,809	$ 10,445	$ 10,550	$ 57,408	$ 43,120	$ 35,707
Basic EPS	$ 1.01	$ 0.96	$ 0.86	$ 0.82	$ 0.85	$ 0.56	$ 0.75	$ 0.76	$ 3.65	$ 2.92	$ 2.68
Diluted EPS	$ 0.99	$ 0.94	$ 0.85	$ 0.81	$ 0.84	$ 0.55	$ 0.73	$ 0.74	$ 3.60	$ 2.86	$ 2.61
Weighted average common shares outstanding (in shares)									15,730,016	14,768,687	13,325,128
Weighted average common shares issuable upon exercise of stock options and under the employee stock purchase plan (in shares)									237,759	296,043	355,344
Weighted average common and common equivalent shares outstanding (in shares)									15,967,775	15,064,730	13,680,472

Note 18 - Earnings per Share (D

Note 18 - Earnings per Share (Details) - shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Earnings Per Share
Antidilutive securities excluded from computation of earnings per share, amount	80,437	91,954	49,919

Note 19 - Commitments and Con_2

Note 19 - Commitments and Contingencies (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Maximum performance guarantee term	1 year
Liability for potential guarantee obligations	$ 0	$ 0
Sale of mortgage loans in the secondary market	3,673	1,295
Loans sold with recourse provisions	24,500	12,400
Loans receivable, held for sale	3,673	1,295
Amount of uninsured cash	34,600	52,600
Standby Letters of Credit [Member]
Other commitment	23,800	$ 20,300
Commitments to Extend Credit [Member]
Other commitment	$ 1,200,000

Note 20 - Quarterly Results o_3

Note 20 - Quarterly Results of Operations (Unaudited) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Quarterly Financial Information Disclosure
Total interest income	$ 52,977	$ 56,817	$ 54,181	$ 52,101	$ 52,704	$ 49,830	$ 40,799	$ 39,546
Total interest expense	13,058	16,098	16,168	15,193	13,109	11,516	8,714	7,143	$ 60,517	$ 40,484	$ 19,452
Net interest income	39,919	40,719	38,013	36,908	39,595	38,314	32,085	32,403	155,559	142,395	116,065
Provision for loan/lease losses	979	2,012	1,941	2,134	1,612	6,206	2,301	2,540	7,066	12,658	8,470
Noninterest income	29,805	19,906	17,065	11,992	15,278	8,809	8,912	8,541	78,768	41,541	30,482
Noninterest expense	46,294	39,945	36,560	32,435	36,410	30,500	26,370	25,863	155,234	119,143	97,424
Income before taxes	22,451	18,668	16,577	14,331	16,851	10,417	12,326	12,541	72,027	52,135	40,653
Federal and state income tax expense (benefit)	6,560	3,573	3,073	1,413	3,535	1,608	1,881	1,991	14,619	9,015	4,946
Net income	$ 15,891	$ 15,095	$ 13,504	$ 12,918	$ 13,316	$ 8,809	$ 10,445	$ 10,550	$ 57,408	$ 43,120	$ 35,707
Basic (in dollars per share)	$ 1.01	$ 0.96	$ 0.86	$ 0.82	$ 0.85	$ 0.56	$ 0.75	$ 0.76	$ 3.65	$ 2.92	$ 2.68
Diluted (in dollars per share)	$ 0.99	$ 0.94	$ 0.85	$ 0.81	$ 0.84	$ 0.55	$ 0.73	$ 0.74	$ 3.60	$ 2.86	$ 2.61

Note 21 - Parent Company Only_3

Note 21 - Parent Company Only Financial Statements - Condensed Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Cash and due from banks	$ 76,254	$ 85,523
Interest-bearing deposits at financial institutions	147,891	133,198
Securities available for sale, at fair value	210,695	261,056
Loans/leases receivable, held for investment	3,686,532	3,731,459
Premises and equipment, net	73,859	75,582
Goodwill	74,748	77,832	$ 28,334	$ 13,111
Intangibles	14,970	17,450	9,079
Other assets	147,802	75,001
Total assets	4,909,050	4,949,710	3,982,665
Other borrowings		67,250
Subordinated notes	68,394	4,782
Junior subordinated debentures	37,838	37,670
Other liabilities	178,690	94,573
Total liabilities	4,373,699	4,476,572
Common stock	15,828	15,718
Additional paid-in capital	274,785	270,761
Retained earnings	245,836	192,203
Total stockholders' equity	535,351	473,138	$ 353,287	$ 286,041
Total liabilities and stockholders' equity	4,909,050	4,949,710
Reportable Legal Entities [Member] | Parent Company [Member]
Cash and due from banks	59,529	6,606
Interest-bearing deposits at financial institutions	5,601	1,001
Premises and equipment, net	9,424	6,956
Goodwill	682	3,766
Intangibles	1,503	1,855
Other assets	15,150	14,794
Total assets	675,826	572,022
Other borrowings		32,250
Subordinated notes	63,531
Junior subordinated debentures	37,838	37,670
Other liabilities	39,106	28,964
Total liabilities	140,475	98,884
Common stock	15,828	15,718
Additional paid-in capital	274,785	270,761
Retained earnings	245,836	192,203
Accumulated other comprehensive loss	(1,098)	(5,544)
Total stockholders' equity	535,351	473,138
Total liabilities and stockholders' equity	675,826	572,022
Reportable Legal Entities [Member] | Parent Company [Member] | Bank Subsidiaries [Member]
Investment in bank subsidiaries	570,698	532,164
Reportable Legal Entities [Member] | Parent Company [Member] | Non-bank Subsidiaries [Member]
Investment in bank subsidiaries	$ 13,239	$ 4,880

Note 21 - Parent Company Only_4

Note 21 - Parent Company Only Financial Statements - Condensed Statements of Income (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Total interest income	$ 52,977	$ 56,817	$ 54,181	$ 52,101	$ 52,704	$ 49,830	$ 40,799	$ 39,546
Securities gains									$ (30)		$ (88)
Revenue									294,844	$ 224,420	165,999
Total interest expense	13,058	16,098	16,168	15,193	13,109	11,516	8,714	7,143	60,517	40,484	19,452
Salaries and employee benefits									92,063	68,994	55,722
Business acquisition related costs										1,795	1,069
Post-acquisition compensation, transition and integration costs									3,582	2,086	4,310
Disposition costs									3,325
Goodwill impairment									3,000
Income tax benefit	(6,560)	(3,573)	(3,073)	(1,413)	(3,535)	(1,608)	(1,881)	(1,991)	(14,619)	(9,015)	(4,946)
Net income	$ 15,891	$ 15,095	$ 13,504	$ 12,918	$ 13,316	$ 8,809	$ 10,445	$ 10,550	57,408	43,120	35,707
Parent Company [Member] | Reportable Legal Entities [Member]
Total interest income									77	88	13
Securities gains											6
Other									314	(322)	3
Revenue									77,154	54,539	45,201
Total interest expense									5,836	3,637	2,658
Salaries and employee benefits									8,739	6,598	5,022
Professional fees									1,545	1,872	1,345
Business acquisition related costs										1,654	1,069
Post-acquisition compensation, transition and integration costs									3,171	165	3,151
Disposition costs									1,606
Goodwill impairment									3,000
Other									2,147	1,026	1,134
Total expenses									26,044	14,952	14,379
Income before income tax benefit									51,110	39,587	30,822
Income tax benefit									6,298	3,533	4,885
Net income									57,408	43,120	35,707
Parent Company [Member] | Reportable Legal Entities [Member] | Bank Subsidiaries [Member]
Equity in net income of bank subsidiaries									69,966	55,209	45,104
Parent Company [Member] | Reportable Legal Entities [Member] | Non-bank Subsidiaries [Member]
Equity in net income of bank subsidiaries									$ 6,797	$ (436)	$ 75

Note 21 - Parent Company Only_5

Note 21 - Parent Company Only Financial Statements - Condensed Statements of Cash Flows (Details) - USD ($) $ in Thousands	Feb. 12, 2019	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Net income		$ 15,891	$ 15,095	$ 13,504	$ 12,918	$ 13,316	$ 8,809	$ 10,445	$ 10,550	$ 57,408	$ 43,120	$ 35,707
Accretion of acquisition fair value adjustments, net										(4,344)	(5,527)	(4,941)
Depreciation										5,225	4,451	3,949
Stock-based compensation expense										2,469	1,443	1,187
Securities gains, net										30		88
Goodwill impairment										3,000
Gains on debt extinguishment				$ 50						436
Net decrease (increase) in interest-bearing deposits at financial institutions										(69,984)	(14,508)	12,138
Purchases										(71,963)	(84,045)	(179,786)
Calls, maturities and redemptions										25,193	23,931	43,010
Sales										30,055	1,938	71,092
Net cash paid for acquisition											(5,183)	(3,369)
Purchase of premises and equipment										(12,429)	(11,457)	(5,761)
Net cash (used in) investing activities										(308,664)	(333,648)	(410,517)
Proceeds from other borrowings											9,000	7,000
Paydown of revolving line of credit										9,000
Prepayments										(46,313)
Calls, maturities and scheduled principal payments										(11,937)	(12,550)	(21,000)
Proceeds from subordinated notes	$ 63,400									63,393
Proceeds from issuance of common stock, net										1,926	1,279	2,056
Net cash provided by (used in) financing activities										222,901	279,178	381,956
Net increase (decrease) in cash and due from banks										(9,269)	9,801	5,152
Parent Company [Member] | Reportable Legal Entities [Member]
Net income										57,408	43,120	35,707
Accretion of acquisition fair value adjustments, net										305	183	149
Depreciation										327	249	225
Stock-based compensation expense										2,469	1,443	1,187
Securities gains, net												(6)
Goodwill impairment										3,000
Decrease (increase) in other assets										26	2,232	(969)
(Decrease) increase in other liabilities										7,814	(7,226)	(6,919)
Net cash provided by operating activities										39,644	19,791	5,234
Net decrease (increase) in interest-bearing deposits at financial institutions										(4,600)	(1,000)
Calls, maturities and redemptions												(6)
Sales												32
Net cash paid for acquisition											(5,183)	(3,369)
Purchase of premises and equipment										(2,861)	(2,257)	(69)
Net cash (used in) investing activities										16,161	11,940	3,400
Proceeds from other borrowings											9,000	7,000
Paydown of revolving line of credit										(9,000)
Prepayments										(21,313)
Calls, maturities and scheduled principal payments										(1,799)	(12,550)	(11,000)
Proceeds from subordinated notes										63,393
Payment of cash dividends on common and preferred stock										(3,767)	(3,300)	(2,494)
Net cash provided by (used in) financing activities										29,440	(5,571)	(4,438)
Net increase (decrease) in cash and due from banks										52,923	2,280	(2,604)
Cash and due from banks, beginning					$ 6,606				$ 4,326	6,606	4,326	6,930
Cash and due from banks, ending		$ 59,529				$ 6,606				59,529	6,606	4,326
Parent Company [Member] | Reportable Legal Entities [Member] | Common Stock Offering 2 [Member]
Proceeds from issuance of common stock, net										1,926	1,279	2,056
Parent Company [Member] | Reportable Legal Entities [Member] | Bank Subsidiaries [Member]
Earnings of bank subsidiaries										(69,966)	(55,209)	(45,104)
Distributions from bank subsidiaries											34,500	21,000
Parent Company [Member] | Reportable Legal Entities [Member] | Non-bank Subsidiaries [Member]
Earnings of bank subsidiaries										(6,797)	436	(75)
Distributions from bank subsidiaries										45,058	63	$ 39
Parent Company [Member] | Reportable Legal Entities [Member] | Bank Subsidiaries [Member]
Capital infusion to subsidiaries										(8,600)	$ (3,500)
Parent Company [Member] | Reportable Legal Entities [Member] | Non-bank Subsidiaries [Member]
Capital infusion to subsidiaries										$ (100)

Note 22 - Fair Value (Details)

Note 22 - Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Securities available for sale, at fair value	$ 210,695	$ 261,056
Assets Fair Value	7,853	19,785
Fair Value, Inputs, Level 3 [Member]
Assets Fair Value	7,853	19,785
Fair Value, Measurements, Recurring [Member]
Assets Fair Value	298,522	283,711
Liabilities Fair Value	88,437	23,347
Fair Value, Measurements, Recurring [Member] | Interest rate swap
Interest rate	84,679	22,196
Derivative Liabilities	88,437	23,347
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Assets Fair Value	298,522	283,711
Liabilities Fair Value	88,437	23,347
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Interest rate swap
Interest rate	84,679	22,196
Derivative Liabilities	88,437	23,347
US Government Agencies Debt Securities
Securities available for sale, at fair value	20,078	36,411
US Government Agencies Debt Securities | Fair Value, Measurements, Recurring [Member]
Securities available for sale, at fair value	20,078	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	20,078	36,411
Residential mortgage-backed and related securities
Securities available for sale, at fair value	120,587	159,249
Residential mortgage-backed and related securities | Fair Value, Measurements, Recurring [Member]
Securities available for sale, at fair value	120,587	159,249
Residential mortgage-backed and related securities | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value	120,587	159,249
US States and Political Subdivisions Debt Securities
Securities available for sale, at fair value	48,257	58,546
US States and Political Subdivisions Debt Securities | Fair Value, Measurements, Recurring [Member]
Securities available for sale, at fair value	48,257	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	48,257	58,546
Other Securities
Securities available for sale, at fair value	21,773	6,850
Other Securities | Fair Value, Measurements, Recurring [Member]
Securities available for sale, at fair value	21,773	6,850
Other Securities | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value	21,773	6,850
Impaired Loans Leases [Member]
Assets Fair Value	3,394	9,657
Impaired Loans Leases [Member] | Fair Value, Inputs, Level 3 [Member]
Assets Fair Value	3,394	9,657
Other Real Estate Owned [Member]
Assets Fair Value	4,459	10,128
Other Real Estate Owned [Member] | Fair Value, Inputs, Level 3 [Member]
Assets Fair Value	$ 4,459	$ 10,128

Note 22 - Fair Value - Quantita

Note 22 - Fair Value - Quantitative Information About Level Fair Value Measurements (Details) $ in Thousands	Dec. 31, 2019USD ($)item	Dec. 31, 2018USD ($)
Fair value	$ 7,853	$ 19,785
Amount of fair value assets transferred from Level 1 to Level 2	0	0
Amount of fair value assets transferred from Level 2 to Level 1	0	0
Amount of fair value liabilities transferred from Level 1 to Level 2	0	0
Amount of fair value liabilities transferred from Level 2 to Level 1	0	0
Impaired Loans Leases [Member]
Fair value	$ 3,394	9,657
Valuation technique	qcrh:ValuationTechniqueAppraisalOfCollateralMember
Unobservable input	us-gaap:MeasurementInputAppraisedValueMember
Impaired Loans Leases [Member] | Minimum
Impaired loans/leases, measurement input | item	(10)
Impaired Loans Leases [Member] | Maximum
Impaired loans/leases, measurement input | item	(30)
Other Securities
Fair value	$ 4,459	10,128
Valuation technique	qcrh:ValuationTechniqueAppraisalOfCollateralMember
Unobservable input	us-gaap:MeasurementInputAppraisedValueMember
Other Securities | Minimum
OREO, measurement input | item	0
Other Securities | Maximum
OREO, measurement input | item	(35)
Other Real Estate Owned [Member]
Fair value	$ 4,459	10,128
Fair Value, Inputs, Level 3 [Member]
Fair value	7,853	19,785
Fair Value, Inputs, Level 3 [Member] | Impaired Loans Leases [Member]
Fair value	3,394	9,657
Fair Value, Inputs, Level 3 [Member] | Other Real Estate Owned [Member]
Fair value	$ 4,459	$ 10,128

Note 22 - Fair Value - Carrying

Note 22 - Fair Value - Carrying Values and Estimated Fair Values of Financial Assets and Liabilities (Details) - USD ($) $ in Thousands	Feb. 12, 2019	Dec. 31, 2019	Dec. 31, 2018
Interest-bearing deposits at financial institutions		$ 147,891	$ 133,198
Securities held to maturity, fair value		426,545	400,770
Securities available for sale, at fair value		210,695	261,056
Subordinated notes	$ 63,400	63,393
Reported Value Measurement [Member]
Securities available for sale, at fair value		210,695	261,056
Estimate of Fair Value Measurement [Member]
Securities available for sale, at fair value		210,695	261,056
Fair Value, Inputs, Level 1 [Member] | Reported Value Measurement [Member]
Cash and due from banks		76,254	85,523
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value Measurement [Member]
Cash and due from banks		76,254	85,523
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member]
Federal funds sold		9,800	26,398
Securities held to maturity, fair value		400,646	401,913
Loans/leases receivable, net		3,651,061	3,683,965
Short-term borrowings		13,423	28,774
FHLB advances		159,300	266,492
Other borrowings			67,250
Subordinated notes		68,394	4,782
Junior subordinated debentures		37,838	37,670
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member] | Non-maturity Deposits [Member]
Deposits		3,184,726	3,002,327
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member] | Time Deposits [Member]
Deposits		726,325	974,704
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member] | Interest rate cap
Interest rate		3,148	459
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member] | Interest rate swap
Interest rate		84,679	22,196
Interest rate swaps - liabilities		88,437	23,347
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member] | Interest-bearing Deposits [Member]
Interest-bearing deposits at financial institutions		147,891	133,198
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member]
Federal funds sold		9,800	26,398
Securities held to maturity, fair value		426,545	400,770
Loans/leases receivable, net		3,606,520	3,639,329
Short-term borrowings		13,423	28,774
FHLB advances		159,193	265,926
Other borrowings			67,770
Subordinated notes		68,563	4,933
Junior subordinated debentures		30,477	29,992
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Non-maturity Deposits [Member]
Deposits		3,184,726	3,002,327
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Time Deposits [Member]
Deposits		742,444	968,906
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Interest rate cap
Interest rate		3,148	459
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Interest rate swap
Interest rate		84,679	22,196
Interest rate swaps - liabilities		88,437	23,347
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Interest-bearing Deposits [Member]
Interest-bearing deposits at financial institutions		147,891	133,198
Fair Value, Inputs, Level 3 [Member] | Reported Value Measurement [Member]
Loans/leases receivable, net		3,143	8,942
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value Measurement [Member]
Loans/leases receivable, net		3,394	9,657
Fair Value, Measurements, Recurring [Member] | Interest rate cap
Interest rate		3,148	459
Fair Value, Measurements, Recurring [Member] | Interest rate swap
Interest rate		84,679	22,196
Interest rate swaps - liabilities		88,437	23,347
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Interest rate cap
Interest rate		3,148	459
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Interest rate swap
Interest rate		84,679	22,196
Interest rate swaps - liabilities		$ 88,437	$ 23,347

Note 23 - Business Segment In_3

Note 23 - Business Segment Information - (Details) $ in Thousands	Dec. 31, 2019USD ($)subsidiary
Number of subsidiaries commercial banks	4
Assets allocated | $	$ 0
Commercial Banking
Number of subsidiaries commercial banks	4
Wealth Management Segment [Member]
Number of subsidiaries commercial banks	3

Note 23 - Business Segment In_4

Note 23 - Business Segment Information - Selected Financial Information on the Company's Business Segments (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Total revenue									$ 294,844	$ 224,420	$ 165,999
Net interest income	$ 39,919	$ 40,719	$ 38,013	$ 36,908	$ 39,595	$ 38,314	$ 32,085	$ 32,403	155,559	142,395	116,065
Provision for loan/lease losses	979	2,012	1,941	2,134	1,612	6,206	2,301	2,540	7,066	12,658	8,470
Net income (loss)	15,891	$ 15,095	$ 13,504	$ 12,918	13,316	$ 8,809	$ 10,445	$ 10,550	57,408	43,120	35,707
Goodwill	74,748				77,832				74,748	77,832	28,334	$ 13,111
Intangibles	14,970				17,450				14,970	17,450	9,079
Total assets	4,909,050				4,949,710				4,909,050	4,949,710	3,982,665
Intersegment Eliminations [Member]
Total revenue									(223)	(871)	(500)
Total assets	(65,306)				(26,387)				(65,306)	(26,387)	(26,924)
SFC Bank
Total revenue									31,569	15,152
Net interest income									21,422	11,835
Provision for loan/lease losses									1,315	990
Net income (loss)									8,243	4,816
Goodwill	45,975				45,975				45,975	45,975
Intangibles	6,802				7,735				6,802	7,735
Total assets	748,753				632,849				748,753	632,849
Commercial Banking | QCBT
Goodwill	3,223				3,223				3,223	3,223	3,223
Commercial Banking | QCBT | Operating Segments [Member]
Total revenue									79,418	69,691	58,056
Net interest income									52,097	48,682	46,407
Provision for loan/lease losses									3,433	3,693	3,909
Net income (loss)									19,006	18,347	22,095
Goodwill	3,223				3,223				3,223	3,223	3,223
Total assets	1,682,477				1,623,369				1,682,477	1,623,369	1,541,778
Commercial Banking | CRBT
Goodwill	14,980				14,980				14,980	14,980	15,223
Commercial Banking | CRBT | Operating Segments [Member]
Total revenue									93,147	69,864	45,367
Net interest income									44,310	43,038	31,042
Provision for loan/lease losses									1,080	1,833	1,050
Net income (loss)									26,940	20,044	10,712
Goodwill	14,980				14,980				14,980	14,980	15,223
Intangibles	2,684				3,186				2,684	3,186	3,694
Total assets	1,572,324				1,379,222				1,572,324	1,379,222	1,307,377
Commercial Banking | CSB
Goodwill	9,888				9,888				9,888	9,888	9,888
Commercial Banking | CSB | Operating Segments [Member]
Total revenue									41,589	36,069	31,944
Net interest income									31,370	28,763	27,021
Provision for loan/lease losses									679	1,523	2,783
Net income (loss)									10,824	8,389	7,048
Goodwill	9,888				9,888				9,888	9,888	9,888
Intangibles	3,980				4,675				3,980	4,675	5,385
Total assets	853,834				785,364				853,834	785,364	670,516
Commercial Banking | SFC Bank
Goodwill	45,975				45,975				45,975	45,975
Wealth Management Segment [Member] | Operating Segments [Member]
Total revenue									16,553	13,433	11,058
Net income (loss)									3,567	2,952	2,241
Other Segments | Operating Segments [Member]
Total revenue									32,791	21,082	20,074
Net interest income									6,360	10,077	11,595
Provision for loan/lease losses									559	4,619	728
Net income (loss)									(11,172)	(11,428)	(6,389)
Goodwill	682				3,766				682	3,766
Intangibles	1,504				1,854				1,504	1,854
Total assets	$ 116,968				$ 555,293				$ 116,968	$ 555,293	$ 489,918