2018

T he Boa r d wishes t o thank our i n v es t ors and cus t omer s . W e look f o r w a r d t o the y ears ahea d , as we a r e w ell positioned f or long - t er m g r o wth. B O AR D CHAI R S T A TEMENT O n behalf of the e n ti r e boa r d of QCR Holding s , it is m y privilege t o deli ver a brief message about our g r e at o r ganiz a tion. I n N o v ember of 2018, we announ ced th a t Doug Hul t quis t , our P r eside n t , CEO and C o - f ounder of QCRH, had made the decision t o r eti r e in M a y of 2019. Doug w as g r acious enough t o g i v e the Boa r d ple n t y of ad van c e noti c e , and indeed we t ook this e x t r a time t o tho r oughly engage in a su c c ession planning p r o c es s . W e thank Doug f or his ma n y y ears of leadershi p , dedic a tion, unpa r alleled w or k ethic and at t e n tion t o detai l . W e a r e f o r tun a t e th a t both the Boa r d and futu r e manageme n t will h a v e Doug in and a r ound the c ompa n y in the futu r e and look f o r w a r d t o his suppo r t and fr iendship f or ma n y y ear s . A s pa r t of this p r o c es s , the C ompa n y announ ced th a t Lar r y Helling and T odd Gipple will be come Chief E x ecuti v e O ffi cer and P r eside n t , r espe c ti v el y . T he Boa r d has t otal confiden c e in the new manageme n t t eam and kn ow s our cus t omer s , c ommunities and i n v es t ors will be w ell se rved in the futu re . No t withstanding the inevitable r eti r eme n ts and r equi r ed changes in leadershi p , the st r a t egy of the C ompa n y r emains the sam e . W e c o n tinue t o fully emb r a ce the communi t y ban k ing model in our chosen markets whe r e b y we br ing local decision - ma k ing and bigger bank p r odu c ts and se rvic es t o our cus t omer s . Such an app r oach r equi r es st r ong local manageme n t as w ell as local Boa r d member suppo r t . W e belie ve this app r oach t o be of in t e r est t o ma n y other vib ra n t markets a r ound the M id w es t , as w el l . W hile the ban k ing indust r y fa c ed c onside r able market headwinds in 2018, QCR Holdings deli v e r ed st r ong and imp r o ved pe r f or man c e , and is w ell - situ a t ed f or c o ntinued g r o wth in the y ears ahea d . P at Bai r d Chair of the boa r d QCR Holding s , In c . 1 SUMMA R Y OF FINANCIAL RESU L T S 201 4 - 201 8 ( in thousand s ) 2014 2015 2016 2017 2018 Net i nt e r est in c ome $69,071 $76,296 $94,517 $116,065 $142,395 Non - i nt e r est in c ome 21,282 24,364 31,037 30,482 41,541 Non - i nt e r est e xpense (65,554) (73,192) (81,486) (97,424) (119,143) P r e - tax p r e - p ro vision net in c ome 24,799 27,468 44,068 49,123 64,793 P ro vision f or loan/lease losses (6,807) (6,871) (7,478) (8,470) (12,658) Net in c ome be f o r e ta x es 17,992 20,597 36,590 40,653 52,135 I n c ome ta x es (3,039) (3,669) (8,903) (4,946) (9,015) Net in c ome $14,953 $16,928 $27,687 $35,707 $43,120

W E ARE RE L A TIONSHIP DRIVEN

T od a y , QC R Holding s , I n c . i s a near l y $5 billio n multi - ban k holdin g c ompa n y se r vin g o v e r 156,00 0 clien t s i n f our st a t e s . O u r independen t cha r t er s p r o - vid e th e fl e xibili ty t o su c c essfull y a tt r a c t an d r etai n clien t s whil e our holding c ompa n y p r ovide s hig h c r edi t standa r ds th a t ensu r e c ommon unde r wr itin g and on - goin g asse t quali t y . 201 8 w a s a y ea r of si g nifican t achie v e - me n t s at QC R Holdings: r e co r d annual net in c om e of $43. 1 million , th e add i - tio n of our fi f t h independen t cha r t er wit h th e me r ger wit h Spr ing field Bancsha r e s , th e a c quisitio n of th e B a t es C ompanie s , an d th e be g innin g of the n e x t 2 5 y ear s of QC R Holding s . F o r our sha r eholder s , 2018 ’ s dilu t e d ear nings per sha r e of $2.8 6 w a s a n 9.1 % i n - c r eas e o v e r th e pr io r y ea r . W hil e QCR H ’ s tan g ibl e book v alu e inc r ease d 5.9% i n th e pas t 1 2 mo n th s t o $24.0 4 per sha r e , QCR H ’ s s t oc k price decline d 25%; simila r t o th e b r oader financial se c t o r . T h e r e g ional bank indust r y price t o ear nings r a ti o decline d 27.5 % o v e r the pas t t w el v e mo n th s f r o m of 15.3 % t o 11.1% . A pa r tiall y in v e r t e d yiel d cu r v e , inc r ease d competitio n f o r deposit s , ta r - if f c on c er ns an d un c e rtain t y about the F ede r a l Rese rv e ’ s futu r e r a t e a c tion s all c o n tr ibu t e d t o th e c onse r v a ti v e in v es t or sentimen t t o w a r d th e se c t o r . I n 201 8 QCR H o r ganicall y g r e w loans b y 9.8 % an d deposit s b y 8.3 % while c o n tinuin g t o deli v e r inc r ease d v alu e t o sha r eholder s . QCR H c o n tinue s t o seek a c quisition s an d me r ger s th a t fi t the C ompa n y ’ s st r a t e g i c mode l an d , most impo r tantl y , th e cultu r e of building r el a tionship s . A s impo r tantl y , QCR H ’ s st r a t eg y r e c o g - ni z e s th e v alu e of uniqu e an d di v ersified p r odu c t s an d se r vi c e s . I n 2018 , 23 % of QCR H ’ s t ota l r e v enu e w a s gene r a t ed f r o m f e e - base d businesses : c or r espon - de n t ban k in g , wealt h manageme n t and swap/loa n sale s , pr imar il y . T hi s di v ers i - fie d st r ea m of p r odu c t s help s QCR H be t - O n behal f o f you r Boa r d of D i r e c t or s an d T ea m Member s of QC R H olding s , Inc . w e a r e pleased t o p r esen t ou r 201 8 annua l r epo r t . W e beli e v e ou r result s sh o w w e a r e a r el a tionshi p dri v e n o r gani z a tion ® th a t continue s t o diff e r enti a t e and deli ve r v alu e t o ou r client s and sha r eholders . T he M a y 23, 2019, QCR Holding s ’ annual meeting will be my final d a y as P r eside n t and Chief E x ecuti ve O ffi c e r . Last N o v ember I announ c ed my r eti r eme n t . Y our c ompa n y will be in g r e a t hands with the well - kn o wn and p r o ven leadership of Lar r y Helling as Chief E x ecuti ve O ffi c er and T odd Gipple as P r eside n t . I deeply v alue the c onfiden ce M ike Bauer had 25 y ears ago when the t w o of u s , along with 16 other empl o yee s , c r e a t ed Q uad C i t y Bank & T rus t . I am r ichly blessed t o h a v e had the oppo r tuni ty of t w o w onde r ful ca r eer s , first as a C P A and then as a banke r. T hank y ou t o my o v er 755 QCRH t eamm a t es who a r e c onsta ntly deli v er ing v a l - ue and inn o v a ti v e solutions t o clien ts in each of our market s . T hank y ou t o each and e v e r y sha r eholder f or your c onfiden ce and o wnership in QCR Holding s . I hope t o see y ou a t the annual meeting in M a y and f eel ene r g iz ed k n o wing “ the best is y et t o c om e ” . A specia l thank s t o Lind a N euman , wh o r eti r e s f r om th e QCR H boa rd o n M a y 23 , f o r he r dedic a t e d se r vi c e a s a di r e c t o r o f Q ua d C i t y B an k & T r us t sin c e 2008 an d a s a di r e c t o r o f QC R H olding s sin c e 2013 . W e app r eci a t e y ou r v aluabl e insig h t an d wis e c ounse l . CEO S T A TEMENT Douglas M. Hul t quist P r esident and CEO QCR Holding s , In c . 3

t e r se r v e it s clien t s an d deli v e r a mo r e s t eady st r ea m of ear nings t o sha r ehold - er s . T h e C ompa n y ’ s nonin t e r es t in c ome inc r ease d 36.3 % i n th e pas t 1 2 mo n ths t o $41. 5 million. 201 8 MILES T ONES A dditio n o f S F C B a nk : I n Jul y , w e w e l - c ome d th e 5 6 empl o yee s , 4,20 0 clien ts an d 17 5 sha r eholder s of Spr ing fiel d F irst C ommunity Bank i n Spr ing fiel d , MO a s i t becam e th e fi f t h cha r t e r of QCRH. Under CE O R o b F ul p ’ s leadershi p , i n 10 y ear s SF C g r e w f r o m a d e n o v o t o a $633 millio n bank wit h near l y pr istin e asset quali t y . SF C ’ s c ommitme n t t o r el a tion - ship s makes i t a w onde r fu l cultu ra l fit wit h QCRH. Ba t e s C omp a nies: R e c o g nizin g th a t ef f e c ti v e wealt h manageme n t i s all about r el a tionship s an d trus t , G eo r ge B a t e s an d hi s t ea m at th e B a t e s F inancial C ompanies i n R ock f o r d , I L joine d QCRH i n O c t obe r . T h e additio n of th e B a t es C ompanies inc r ease d QCR H ’ s wealt h a s - set s under manageme n t b y $70 4 million t o o v e r $ 4 billion. 25t h A nni v ers a r y : T hi s pas t O c t ober w e c eleb ra t e d th e 25t h anni v ersa r y of the f oundin g of QC R Holding s . O f th e 18 empl o yee s wh o t ook i n th e firs t deposit o n Janua r y 7 , 1994 , 8 a r e stil l wit h the C ompa n y . T h a t ’ s dedic a tion ! T he r e h a v e bee n ma n y challenge s o v e r th e years bu t e v e n mo r e a c c omplishme n t s . T he c onsis t e n t c ommitme n t t o our v alues set s QCR H apa r t f r o m our peer s . A s w e be g i n th e n e x t 2 5 y ear s of our busines s , w e c o n tinu e t o f ocu s o n th e fundame n - ta l v alue s whic h guid e th e me n and w ome n of QC R Holdings an d enhan ce long - t er m sha r eholde r v alu e . 201 8 HIGHLIGH T S AN D RESU L T S Q u a d City Ba nk & T rust – Under the leadershi p of P r esiden t an d CE O , John A nderson , th e C ompa n y ’ s firs t subsid - ia r y bank (1994) , asset s g r e w t o $1.6 billio n b y D e c ember 31 , 2018 . L oans an d lease s g r e w 8.5 % i n 201 8 whil e its W ealt h M anageme n t businesse s g r ew 10.1% . Q ua d C i t y Bank & T rus t ’ s net in c om e of $20. 6 millio n f o r th e y ear ende d D e c ember 31 , 201 8 dec r eased f r o m $23. 8 millio n i n 201 7 pr imar il y due t o changes i n th e ta x l a w , whic h infl a t ed 2017 ’ s net in c om e . C e dar R apids B a nk & T rust – CE O Lar r y Hellin g , on e of th e f ounder s of C edar R apid s Bank & T rus t (2001) , an d James K lein , P r esiden t , le d thei r t ea m t o a r e - c o r d net in c om e of $20. 7 millio n f o r the y ea r ende d D e c ember 31 , 2018 , a 79.3% inc r eas e i n ear nings f r o m th e pr io r y ea r . T h e inc r eas e i s pr imar il y a ttr ibu t e d t o th e su c c es s of th e ban k ’ s Special ty Fi - nan ce G r ou p an d th e firs t full y ea r a f t er th e a c quisitio n of Gua r an t y Bank & T rus t . R o ckfor d B a nk & T rust – R ock f o r d Bank & T rus t – L e d b y P r esiden t an d CE O , T om Bud d (2005) , close d th e y ea r at $509.6 millio n i n asset s , a 10.4 % inc r eas e f r om th e pr io r y ea r . T a k in g ad van tag e of c o n - dition s i n th e marke t , RB& T als o r epo r t - e d 10.8 % g r owt h i n loan s , 18.7 % g r owth i n c o r e deposit s an d adde d staf f t o key position s t o hel p carr y th e mome n tum f o r w a r d i n 2019 . I n addition , th e a c quis i - tio n of B a t e s C ompanies w a s c omple t ed i n O c t ober an d will bols t e r a n al r eady r obust p r odu c t of f er in g an d fu r ther st r engthe n RB& T ’ s missio n t o p r o vide e xceptional se r vi c e an d c omp r ehensi v e wealt h manageme n t option s locall y . C ONS OLI D A TE D EARNING S (i n tho usands) QCR Holding s , In c . 4 (1) Includes m2 L ease F und s . (2) Includes net in c ome of G ua r a n t y Bank & T r ust in 2017, which w as me r ged with C edar R apids Bank & T r ust in D e c ember 2017. (3) Includes a c quisition and post - a c quisition c ost s . 2014 2015 2016 2017 2018 Qua d C i ty Ban k & T rus t (1) $ 10,451 $ 11,762 $ 15,411 $ 23,794 $ 20,559 C eda r R apid s Ban k & T rus t (2 ) (3) 8,006 8,108 12,729 11,535 20,680 Rock f o r d Ban k & T rus t (3) 1,877 2,189 3,201 2,698 706 C ommuni t y S t at e Ban k (3) - - 2,127 7,076 8,449 Springfiel d F irs t C ommuni t y Ban k (3) - - - - 4,816 P a r e n t C o . & Elimin a tion s (3) (5,381) (5,131) (5,781) (9,397) (12,090) C onsolid a t e d Ea r nings $ 14,953 $ 16,928 $ 27,687 $ 35,707 $ 43,120

C om muni ty S t a t e B a nk – C ommunity S t a t e Bank (2016) , CE O , R o n Nage l and P r esiden t K u r t Gibso n le d thei r t eam t o a r e co r d net in c om e of $8.5 million f o r th e y ea r ende d D e c ember 31 , 2018, whic h c ompa re s t o $ 7.1 millio n i n 2017. T ota l asset s f o r C ommunity S t a t e Bank at D e c ember 31 , 201 8 w e r e $ 785. 4 mi l - lio n a 17 % inc r eas e f r o m th e pr io r y ea r . L oa n g r owt h e xc eede d 19 % whil e c o r e deposi t g r owt h w a s 5 % f o r th e y ea r . S pringfiel d B a n c sh a re s (S F C B ank) me r ge d wit h QC R Holdings i n Jul y of 2018 . T hank s t o th e f ocuse d leadership of R o b F ul p , CE O , an d M o n t e M cNe w , P r esiden t , of Spr ing fiel d F irs t Commun i - t y Ban k , $4.8 millio n of ear nings f o r the si x mo n th s sin ce me r ger w e r e c o n tr ibu t - e d t o QCR H ’ s ear nings i n 2018 . T h e bank ha d 10 % g r owt h i n asset s , endin g the y ea r at $632. 8 million. QCR H ST R A TEGI C A D V AN T A GES The C orres p onden t B a nk in g D ivision c o n tinue s t o deli v e r e xceptional clien t se r vi c e t o d o wnst r ea m bank s i n I llinoi s , I o w a , M issour i an d W is consin . I n 2018, w e se r v e d 19 0 bank s wit h a n a v e r age of $417. 4 millio n o n deposi t wit h QC B T . O u r v e te r a n t ea m of banker s p r ovides ma n y l a y er s of e xpe r tis e i n a r ea s suc h as C as h M anageme n t , S a f ekeepin g , Bank S t oc k an d P a r ticip a tio n L oan s , T rus t and I n v estme n t se r vi c e s an d lease s . The W ealt h M a nagemen t D ivision p r ovide s a distinguishabl e competiti v e ad van tag e . It w a s fu r the r enhan c e d in O c t ober of 201 8 wit h th e additio n of the B a t e s C ompanies under th e leadership of G eo r g e B a t e s i n R ock f o r d , IL. O u r abili t y t o p r o vid e clien t s wit h a c o ntinuu m o f se r vi c e s i s crucia l t o dee p - enin g r el a tionship s . W it h of f er ing s in po r t f oli o manageme n t , in v estme n t se r - vi c e s , trus t administ r a tio n an d financial plannin g , w e ad d non - in t e r es t in c om e t o th e o r ganiz a tion . I n 2018 , asset s under manageme n t t otale d $4. 3 billio n with $ 70 4 millio n c omin g f r o m th e B a t es C ompanie s . O u r v e te r a n staf f added 2 , 87 3 ne w r el a tionship s i n t ota l . m 2 L eas e Fund s – m2 L eas e F und s , a wholl y o wne d subsidia r y of Q ua d C i t y Bank & T rus t a c c ou n t s f o r app r o xim a t ely 6 % of th e t ota l QCR H loan s . T h e m2 L eas e F und s busines s mode l of p r o vi d - in g p r omp t an d r esponsi ve turna r ounds i n a simpl e an d st r aig h t f o r w a r d manner r emains soun d . m2 wor k s wit h al l of our bank s an d n a tio n wid e a s wel l wit h lea s - in g specialist s loc a t e d i n I o w a , W is c o n - sin , M innesota , S out h C a r olina , No r th C a r olina , F lorida , C ali f or nia , P ennsyl v a - ni a an d G eo r g ia . m2 has a hig h yielding po r t f oli o th a t a v e r age d 8 % i n 2018. Ou r P e opl e - W e k n o w our people a r e th e ke y dif fe r e n ti a t o r i n eac h of ou r market s . W e als o k n o w , wh a t gets measu r e d gets don e . A t QC R Holdings e v e r y empl o ye e gets measu r e d on “Livin g th e Br an d ” . T h a t means ma k ing su r e th a t eac h empl o ye e ’ s pe r f or man ce i s s o goo d th a t our clien t s , i n t er na l and e x t er na l , will alw a y s e xperien c e g r e at r el a tionship s , se r vi c e an d advi c e . It is ou r hop e th a t b y placin g dail y emphasis o n our Br an d P r omis e e v e r y clien t will trul y se e P eopl e y o u c a n bank o n ® in e v e r ythin g w e d o . I n O c t obe r 2018 , C ommuni t y S t at e B an k CE O Ron Nage l , r eti r e d a f t e r 4 2 y ear s i n the ban k ing indust r y . K u r t G ibso n assume d the CE O r esponsibilitie s , in additio n t o hi s r ol e a s p reside n t . W e than k Ro n f or hi s y ear s o f leadershi p a t CS B an d wish hi m w el l . T o m Bud d , P r eside n t an d CE O , Rock f o r d B an k & T r ust w el c ome s G eo r g e B a t e s , B a t e s F inancia l G r oup Douglas M . Hul t quist P r eside n t an d Chie f E x ecuti ve O ffi c e r , QC R Holding s , I n c . QCR Holding s , In c . 5 L ar r y J . H elling Chie f E x ecuti ve O ffi c e r - Ele c t , QC R Holding s , I n c . T o d d A . G ipple P r eside nt - Ele c t , QC R Holding s , I n c .

P a tric k S. Bai r d Chai r o f th e Boa r d , QC R Holding s , I n c ., R eti r e d P r eside nt an d Chie f E x ecuti v e O ffi c e r , AEGO N USA , L L C T o d d A. G ipple P r eside n t - Ele c t , Chie f Ope r a tin g O ffi c e r and Chie f F inancia l O ffi c e r , QC R Holding s , I n c . Donn a J . S o r ensen, J . D . P r eside n t , S o r ense n C onsulting T imot h y B . O ’Reilly Chie f E x ecuti v e O ffi c e r , M ana g in g P a r tne r , O ’ R eill y Hospitali t y M anageme n t , L L C M a r y K a y B a t es P r eside nt an d Chie f E x ecuti v e O ffi c e r , Ban k M id w est M ichael L. Pe t erson P r eside nt an d O wne r , P e t erso n G enetic s , I n c . Dougla s M . Hul t quist P r eside nt an d Chie f E x ecuti v e O ffi c e r , C o - F ounde r , QC R Holding s , I n c . L ar r y J . H elling Chie f E x ecuti v e O ffi c er - Ele c t , QC R Holding s , I n c . John - P au l E . Besong R eti r e d E x ecuti v e , R oc k wel l C ollins G eo r g e T . Ralp h III O wne r , GT R Real t y A dvisor s , L L C Lind a K . N euman F ounde r an d P r incipa l , I o w a A r bit ra t or s , A ssoci a t e Justic e , I o w a Sup r em e C ou r t (Reti r ed) M a r k C. Kilmer P r eside n t , T h e R epubli c C ompanies M ari e Z . Ziegler V i c e Chai r o f th e Boa r d , QC R Holding s , I n c ., R eti r e d E x ecuti v e , D ee r e & C ompa n y LEF T T O RIGHT B oa r d of Di r e c t ors QCR Holding s , In c . 6

F r o n t R o w S ea t e d (le f t t o rig h t) C ynthia M. C arlson E V P , W ealth Manageme n t , Q uad C i t y B ank & T r ust Anne E . Ho w a r d * SV P , D i r e c t or of Human Resou r c es E lizabeth A. Grabin * SV P , C hief A ccou n ting O ffi c er Sh a wna M. Graham * SV P , C hief R isk O ffi c er S tac e y J . Bentl ey Pr eside n t and C hief E x ec uti v e O ffi c e r , C ommuni t y B ank & T r ust Richa r d W . C ouch Pr eside n t and C hief O pe r a ting O ffi c e r , m2 L ease F und s , L L C B ac k R o w S tandin g (le f t t o rig h t) M. Randolph W estlund E V P , C hief I nvestme n t O ffi c er John A. R odrigu e z * E V P , C hief In f orm a tion O ffi c e r , O pe r a tions and C ashie r , C edar R apids B ank & T r ust P e t er J . Benson EVP and C hief Legal O ffi c er John R. Mc E v o y * E V P , C hief O pe r a tions O ffi c er and C ashie r , Q uad C i t y B ank & T r ust Mon t e C. Mc N e w Pr eside n t , SFC B ank Robe r t C. F ulp C hief E x ec uti v e O ffi c e r , SFC B ank Douglas M. Hul t quist Pr eside n t and C hief E x ec uti v e O ffi c e r , C o - F ounder L ar r y J . H elling C hief E x ec uti v e O ffi c e r , C edar R apids B ank & T r ust C hief E x ec uti v e O ffi c er - E le ct , QCR H olding s , Inc T odd A. Gipple * Pr eside n t - E le ct , C hief O pe r a ting O ffi c er and C hief F inancial O ffi c e r , QCR H olding s , In c . John R. O a kes * SV P , T reasu r er John H. Anderson Pr eside n t and C hief E x ec uti v e O ffi c e r , Q uad C i t y B ank & T rus t , E V P , C hief D eposit O ffi c e r , QCR H olding s , In c . T homas D . Budd Pr eside n t and C hief E x ec uti v e O ffi c e r , Rock f o r d B ank & T r ust John R. Engelb r echt F ounder and C hief E x ec uti v e O ffi c e r , m2 L ease F und s , L L C K u r t A. Gibson Pr eside n t and C hief E x ec uti v e O ffi c e r , C ommuni t y S t at e B ank Michael J . W yff els * SV P , In f orm a tion T echnology D ana L. Nichols E V P , C hief C r edit O ffi c er C hrist opher J . Lindell E V P , C orpo r at e C ommunic a tion s , I nv es t or Rel a tion s , and C orpo r at e S ec r eta r y G r ou p O pe r a tion s Manageme n t T ea m (no t pi c tu red) Beth L. Eas terla V P , D eposit O pe r a tions and E le c t r onic B ank ing Manager K a thleen M. F rancque E V P , C orresponde n t B ank ing and In f orm a tion S e r vi c e s , Q uad C i t y B ank & T r ust P amela J . Good win SV P , L oan O pe r a tions Manager T odd C. K erska SV P , S enior O pe r a tions O ffi c er Jill A. L ech t enbe r g V P , E n t erprise B usiness T rans f orm a tion S e r vi c es K a t hy A. Nichols E V P , Retail B ank ing and C ashie r , C ommuni t y S t at e B ank S hellee R. S h ow al t er SV P , D i r e c t or of I nv es t or S e r vi c es and C ompens a tion T onia F . T a ylor SV P , D i r e c t o r o f C omplian c e E x ecuti v e M anagement T eam * A ls o se r v e s o n G r ou p O pe r a tion s Manageme n t T eam

ASSET G R O W TH (MILLIONS) (1) Includes a c quisition of C ommuni t y S t at e Bank (2) Includes a c quisition of G ua r a n t y Bank & T r ust (3) Includes me rger with S pringfield B ancsha r es and a c quisition of Ba t es C ompanies $800 $1000 $200 $0 $400 $600 201 4 201 5 2016 (1 ) 2017 (2 ) 2018 (3) $130 $68 $709 $681 $967 BOOK V A L UE V S . F AIR MARKET V A L UE Y EAR - EN D / C OMMO N S T OC K (MILLIONS) BOOK V A L UE F AI R M ARK E T V A L UE 199 3 200 3 201 6 201 7 2018 $0 $600 $300 2018 C OM P A N Y HIGHLIGH T S SF C B ANK B ecome s 5t h I ndependen t Cha r ter 21 % INCREASE i n W ealt h M anagement W E BEGI N OU R NE X T 2 5 YEARS RE C ORD $43 . 1 MILLION N E T IN C OME ANN U AL ORGANI C L O A N GR O W TH 9.8%

Our M ission W e ma k e financial d r eams a r eali t y . $0 $2,500 $5,000 T O T A L ASS E T S ( M illions) $4,950 12.31.18 $0 $2,000 $4,000 GR OS S L O AN S / LEASE S ( M illions) $0 $2,500 $5,000 T O T A L DEPOSI T S ( M illions) T h r oughout 2018, QCRH c o n tinued t o f ocus on the f oll o wing se ven sta t ed initi a tiv es in an ef f o r t t o fu r ther imp r o v e p r ofitabilit y and dri v e sha r eholder v alue: 75.4% S t rong o r ganic loan and lease g r o wth t o mai n tain loans and leases t o a total assets r a tio in the r ange of 73% - 78% L O AN S / ASSE T S 13.8% F oc us on g r o wing c o r e deposits t o mai n tain r elian c e on wholesale funding t o less than 15% of assets WHOLESAL E FUNDING $11.2 MILLION G ene r at e gains on the sale of US D A and SBA loan s , and f ee in c ome on i n t e r est r at e s w ap s , as a signific a n t and c onsis t e n t c omponen t of c o r e r e v enue FE E IN C OM E STREAMS 31.7% G r o w w ealth managemen t net in c ome b y 10% annually G R O W WEA L TH M AN A GEMENT 11.8% C a r efully manage noni nt e r est e xpense g r o wth ( y ear - o v er - y ear) M AN A G E NONIN T EXPENSE 0.56% Mai n tain asset quali t y metrics a t bet t er than peer le v els N PA ’ S / ASSE T S SFC Bank Ba t es P a r ticip at e as an a c qui r e in the c onsolid a tion ta k ing pla c e in our mar k ets t o fu r ther boost R O AA, imp r o v e efficien c y r a tio and inc r ease EPS A C QUIRE R P ARTICI P ANT QCR Holding s , In c . 9 12.31.17 $3,983 12.31.16 $3,302 12.31.1 8 $3,733 12.31.1 7 $2,964 12.31.1 6 $2,405 12.31.1 8 $3,977 12.31.1 7 $3,267 12.31.1 6 $2,669

Ev e r y d a y a t QCR Holdings w e celeb r a t e and r e c o g ni z e our most valuable r esou r c e - each and e v e r y empl o ye e . O ur dedic a t ed empl o y ee s , who believ e in and li ve our st a t ed value s , dependably deli v er v alue t o our clien ts and sha r eholder s . QCR H ’ s competiti ve advantage comes f r om fi v e au t onomous cha r t ers with local boa r ds who understand and se r v e the needs of their local ma r k et s . H o w e v e r , t o ensu r e stra t e g ic ali g nment, ef f e c ti v eness and efficien c y , our cha r t ers w o r k closely t ogether th r ough our Stra t egy and L ead - ership T eam (SA L T ). T he t eam includes the Chief E x ecuti v e O fficer s , P r esidents and other senior leader s . I n addition, w e h a v e dedica t ed t eams in our G r oup Operations ( GO) which p r ovide common se r vices t o our cha r t er s , f or exampl e , T eam Tr easu r y , I n fo r mation T echnolog y , L oan P r ocessing and Human R esou r ce s . Ultima t el y , w e h a v e one set of values at QCR Holdings which ali g ns us t o deli v er r esults f or our client s , communitie s , empl o y ees and sha r eholder s . I n the f oll o wing pages w e celebra t e and highlight our values at w o r k . Our values of A chie v ement, C ollaboration, P ersonal R esponsibi l - i t y , I nn o vation, and F ulfillment ar e basic and fundamental belie f s that guide and motiva t e our attitudes and a c tion s . Our values help us de t e r mine what is impo r tant t o u s . Our values c r eat e what w e st r i v e f or dail y …a C ultu r e of High Pe r forman c e. Our V alues A chi e v ement C ollaboration P ersonal R esponsibili t y I nn o vation F ulfillment

K e y Me r ger A si g nifican t achie v eme n t i n 201 8 w a s the me r ge r wit h Spr ing fiel d Bancsha r e s (SFC Bank ) loc a t e d i n Spr ing fiel d , M O . I n their 10t h y ea r o f ope r a tion , SF C Ban k ha s g r o wn t o $63 3 millio n i n asset s . W ealt h Manageme n t Exp er tise W ealt h M anageme n t , wit h o v e r $4. 3 billion o f asset s unde r manageme n t , p r o vide s a st r a t e g i c ad va n tag e f o r QC R Holding s . I n 201 8 th e QC R Holding s ’ W ealt h M anageme n t t eam s achie v e d a r e c o r d $3. 0 millio n i n net in c om e . T h e additio n o f th e B a t e s C ompanies i n R ock f o r d , I L w a s a si g nifican t achie v eme n t an d br ing s 2,37 1 ne w r el a tionship s t o QCRH. A w a r d W innin g S ervi c e t o O thers Not sur pr isingl y , 2018 b r oug h t se v er al r e c o g nitions of individual ’ s achie v eme n t . F or instan c e , Lar r y Hellin g , CE O - Ele c t of QCRH w as r e c o g ni z ed with the H ow a r d Hall E x c ellen ce in Business Aw a r d . T his a w a r d is g iv en t o a p r emier business leader who e xemplifies the outstandin g , endur ing busi - ness v alues of H ow a r d Hall and his passion f or a vib r a n t C edar R apid s . H ow a r d Hall (1894 - 1971) w as an industr ialist and philan - th r opist who used his influen ce t o c r e a t e a bet t er local e c ono my and c ommuni t y . L esly C oupe r, R ock f o r d Bank & T rus t , w as sele c t ed as one of the 2018 R ock f o r d Cham - ber of C omme r c e P eople Y ou Should K n o w . C ommuni ty S t a t e Bank w on first pla c e in T he D es M oines R e g is t er poll f or A nke n y ’ s B est Ban k . Q uad C i t y Bank & T rust w as v o t ed t op fi v e in the “Ban k in g ” c a t ego r y and the “ P ersonal L oan s ” c a t ego r y b y L ocals L o v e Us . WE W OR K T O WIN . Lik e most v alue s , achie v eme n t be g in s wit h th e individua l . O u r empl oy ee s , di r e c t or s , t eam s , cha r t er s , g r ou p ope r a tions a r e al l c ompelle d t o win , an d t o achie v e . T o wi n o v e r ou r clie n t s wit h outstandin g se r vi c e , we str ive t o achie v e mo r e tha n we h a v e done i n th e pas t an d t o achie v e mo r e tha n ou r competi t or s . T h r oug h th e colle c ti v e achie v eme n t s o f QC R Holding s ’ bank s an d t eam s , i n 2018 , QC R Holding s deli v e r e d r e co r d ne t in c om e o f $ 43 . 1 million , a 20 . 7 % inc reas e f r o m th e pr io r y ea r . I n t w o case s , Q ua d C i t y Ban k & T rus t and C eda r R apid s Ban k & T rus t , h a v e achie v e d th e number on e marke t sha r e o f deposit s i n thei r market s . 201 8 NET IN C OME RE A CHES $43 . 1 MILLION 2014 2015 2016 2017 2018 QCR Holding s , In c . 11 $50 $43.1 $25 $0 $ million $15.0 $16.9 $27.7 $35.7 Deposit s b y Cha r t e r ( $ millions) R an k i n MSA M ar k et Deposit s a s of 6.30.18 % MSA M ar k e t Sha r e Q ua d Ci t y Ban k & T rust 1 $ 1,284 15.60% C eda r R apid s Ban k & T rust 1 $ 971 16.40% C ommuni t y St at e Bank 8 $ 596 3.2% Sp r in g fiel d F irs t C ommuni t y Bank 7 $ 439 4.40% R ock f o r d Ban k & T rust 8 $ 376 6.10% C ommuni t y Ban k & T rust* 11 $ 110 3.10% MSA: Met r opolitan Statisti c al A r ea. Sou r c e: FDIC Summa r y of Deposit s . * A Division of C edar Rapids Bank & T r ust

C ollab o r a tin g f o r E f f e cti v eness C ommuni ty S t a t e Ban k , loc a t ed in the r obust c e n t r al I o w a marke t , became pa r t of QCR Holdings in 2016. Sin c e th a t tim e , C om - munity S t a t e Ban k ’ s assets h a v e g r o wn f r om $582 million t o $785 million, a 35% inc r ease in just o v er t w o y ear s . Net in c ome has inc r eased 53% f r om $5.5 million in 2015 t o $8.5 million in 2018, a 26% imp r o v eme n t in r etur n on assets f r om 0.94% t o 1.18%. T his su cc ess is a r esult of local tale n t , local deci - sion - ma k ing and a local ide n ti t y . I n addition, C ommuni ty S t a t e Ban k ’ s collabo r a tion with other QCRH banks and QCR H ’ s G r oup Ope r a tions t eam, pl a y ed an impo r ta n t pa r t of this su cc es s . P a r tner ing with other QCRH cha r t er s , C ommuni ty S t a t e Bank n o w a tt r a c ts mo r e c omme r cial cus t omers with a sophistic a t e d , i n tuiti v e , cus t ome r - fr iendly T r easu r y M anageme n t p r odu c t s . O v er the past y ea r , C ommuni ty S t a t e Bank c omple t - ed a t echnology uplif t , joining the same pla t f or m as other QCRH cha r t er s . T he new pla t f or m p r o vides additional oppo r tunities f or the shar ing of r esou r c es bet w een all QCRH cha r t er s . C ollab o r a tin g f o r G rowth A sset/Liabili t y M anageme n t ( ALM) is one of the most impo r ta n t t ools f or decision ma k ing in ban k ing th a t helps t o maximi ze sha r eholder v alu e . T he QCRH banks hold a wee k ly ALM meeting t o p r o vide insigh t on the c ompa n y ’ s r isks and oppo r tunitie s . T he collabo r a tion manages the sou r c es of funds (deposits and debt) and the uses of funds (loans and bonds). I n the case of C ommu - ni ty S t a t e Ban k , a $785 million ban k , has the anal y sis and t ools th a t a r e usually only a v ailable t o a $5 billion o r ganiza tion. ALM is a g r e a t e xample of h o w collabo r a tion is all o wing QCR Holdings t o do mo r e t ogether than wh a t the individual cha r t ers c ould do on their o wn. S t r a t egi c C ollab o r a tion QCR Holding s ’ unique multi - cha r t er struc - tu r e p r o vides v aluable collabo r a tion f or its QCRH local boa r d s . T his past y ear the di r e c t ors of Q uad C i t y Bank & T rus t , C edar R apids Bank & T rus t , R ock f o r d Bank & T rus t , Spr ing field F irst C ommuni ty Ban k , C om - munity S t a t e Bank and m2 held a multi - d a y st r a t e g ic session with e x ecuti ve and senior leadershi p . Communit y C ollab o r a tion A me r ock Ho t e l , R ock f o r d I llinoi s , is a $64 million p r oje c t t o t r ans f or m the f ormer A me r ock fa c t o r y in d o w n t o wn R ock f o r d i n t o a f ou r - star Embassy Sui t e s . T his p r oje c t will p r o vide the first d o w n t o wn ho t el in R oc k - f o r d and c r e a t e a positi ve impa c t f or the ci t y . A c ommuni ty wide collabo r a tion ef f o r t , the p r oje c t benefi t ed f r om QCR H ’ s i n t er nal collabo r a tion as R ock f o r d Bank & T rus t , C edar R apids Bank & T rus t , and Specialty F inan c e G r oup (SFG) wor ked t ogether t o help m o v e the de v elopme n t f o r w a r d . W E LEAR N FR O M E A C H O THE R . Unlik e achie v eme n t whic h be g in s wit h th e individua l , th e v alu e o f collabo r a tio n r equi r e s t w o o r mo r e peopl e t o mak e i t happen . A t QC R Holding s , collabo r a tio n enable s u s t o b e bot h de cen t r ali z e d an d cen t r ali z e d a t th e sam e tim e . C ollabo r a tio n r equi r e s leadershi p , coope r a tio n an d most impo r tantl y, trus t . D eli v er in g r e co r d ne t in c om e r equi r e d massi v e collabo r a tion a t QC R Holding s . Example s o f ou r 201 8 collabo r a tio n ef f o r t s include : C ommuni t y S t a t e Ban k 201 8 T echnolog y Upli f t , En t er pr is e Business T r ans f or m a tio n – Bes t i n Clas s , G r ou p Ope r a tion s , SF G (Specialt y F inan c e G r ou p ) , an d th e additio n o f SF C Ban k . C OL L ABO R A TION I S ABOUT QCR Holding s , In c . 12 DOIN G MOR E T OGETHE R THAN W E C A N D O O N OU R O W N .

Ca r e P ackages A s a desig n a t e d Home Bas e Busines s , em - pl o yee s o f C ommunity S t a t e Ban k r e c e ntly g a v e o f thei r tim e an d tale nt t o g ive back t o local milita r y men an d w omen who a r e cur r e ntl y se r vin g o v ersea s . D ur in g thi s c om - pa ny - wid e initi a ti v e , empl o yee s an d Bank cus tomer s w e r e en c ou r age d t o don a t e ca r e i t ems at a n y o f CS B ’ s 1 0 loc ation s . C ommu - ni t y S t a t e Ban k empl o yee s an d D e s M oines Uni v ersi t y P odi a tr i c stude n t s b ox e d 115 la r g e ca r e pac k ages th a t w e r e se n t o v er - sea s . C ommunity S t a t e Ban k als o r e cei v ed $1,226.9 7 i n cas h don a tion s th a t w e r e used f o r postag e . S a f e F amilies A my L one r , R ock f o r d Bank & T rus t , and her husband a r e a host family f or an o r gani - zation called S a f e F amilies f or Child r en. A family in crisis can call S a f e F amilies and t empo r ar ily pla c e their child with a host family while they wor k on getting out of wh a t e v er crisis they a r e in (homelessnes s , lost jo b , domestic abus e , me n tal health/ill - nes s , e tc). I n 2018 they hos t ed f our dif fe r e n t child r en ( a t dif fe r e n t times) f or v ar ious p e - r iods of tim e . T he sho r t est w as a w eeken d , the longest w as 7 week s . F inancia l Lit e r ac y R ock f o r d Ban k & T rus t F inancial S cholars p r o g r a m p r o vide s financial li t er a c y m a ter ials t o o v e r 1,00 0 local hig h schoo l stude n t s each y ea r . T h e p r o g r a m p r o vide s ou r futu r e gene r - a tion s wit h a mo r e tho r oug h understanding o f financial c on c ept s s o the y a r e bet t e r p r e - pa r e d t o make decision s th a t will hel p them achie v e thei r financial goal s i n th e futu r e . W E O W N I T . T h e ma n y e xample s th a t f ollo w sh o w QC R Holding s empl oy ee s ta k in g persona l r esponsibili t y bot h a t w or k an d i n their communitie s . O n a dail y basi s , ou r clie n t s e xper ien c e th e c ommitme n t an d f ollo w - th r oug h o f e v e r y dedic a t e d empl oy e e o f QC R Holding s . I n 201 8 QCR H empl oy ee s v olun t ee r e d 24 , 58 2 hour s , a 39 % inc reas e f r o m th e pr io r y ea r , i n th e communitie s we live i n an d se r v e . Empl oy ee s tak e persona l r esponsibili t y t o hel p thei r communitie s b y gene r ousl y g ivin g thei r tim e an d g ivin g thei r t r easu r e s a s w el l . QCR H empl oy ee s p r oudl y v olun t ee r wit h o r ganiza tion s suc h a s Uni t e d W a y , Habit at f o r Humani t y , th e G r e a t e r C eda r R apid s C ommuni t y F ound a tion , th e Y MC A , Golde n A ppl e F ound a tio n o f R ock f o r d , an d S e c on d Sig h t , jus t t o nam e a f e w . C harlie O ’ R eill y SFC B ank D i r e c t or and f ormer P r eside n t and CEO of O ’Reilly A u t o P a r ts I N 2018, QCR H EMP L O Y EES V O L UNTEERED QCR Holding s , In c . 13 24,582 H O U R S I N THEIR COMMUNITIE S . Hunge r Relief Cha r lie O ’ R eill y , di r e c t or and f ounding sha r eholder of SFC Bank in Sp r in g fiel d , was instrumental in c r eating the O ’ R eilly C en t er f or Hunger R elie f . T he Oza r ks F ood Ha r v est is p r o viding f ood t o 270 hunge r - r elief or ganizations ac r oss 28 Oza r ks counties r eaching nea r ly 30,000 individuals w ee k ly and dist r ibuting mo r e than 17 million meals annuall y . T he O ’ R eilly C en t er p r o vides r esou r ces and facilities t o the F ood Ha r v est.

Inno v a tio n Commit t ee R e c o g nizing the need f or mo r e ef f e c ti v e inn o v a tion, in 2018, QCRH c r e a t ed a t eam t o imp r o v e inn o v a tion. T he c r oss - fun c tional t eam, led b y T odd Gippl e , QCRH P r esi - de n t - Ele c t , Chief F inancial O ffi c er and Chief Ope r a ting O ffi c e r , r eaches all pa r ts of the o r - ganiza tion. T he t eam f ocuses on: (1) p r o vid - ing QCR H ’ s clien ts inc r eased capabilities and p r odu c t s , (2) bet t er utiliza tion of e xisting QCRH capabilities and (3) imp r o v ed c ollab o - r a tion th r oughout QCRH. W e app r eci a t e th a t inn o v a tion happens a t ma n y le vels and th a t inn o v a tion needs t o be en c ou r age d . Inno v a ti v e Communit y Ro om I n 2018 , Qua d C i t y Ban k & T rus t r e v eale d a r emodel o f it s W es t D avenpo r t b r anc h and i n t r odu c e d a ne w , inn o v a ti v e c ommuni ty r oom . D esig ne d t o se r ve a s a f r e e meeting space f o r loca l nonp rofit s , i t w a s i n t e ntionally buil t usin g modula r w all s , st a t e - of - th e - a r t t echnolog y an d v ers a til e fu rnitu r e t o easily adap t a s th e w a y s peopl e c onne c t an d col - labo r a t e c o n tinu e t o chang e . Qua d C i t y Bank & T rus t wil l als o us e thi s spa ce f o r t r aining oppo r tunitie s an d educ ationa l seminars th at d riv e busines s an d st r engthe n clien t r el a tionship s . Inno v a ti v e A g r eeme n t m2 L ease F unds c o n tinues t o be c onsid - e r ed THE inn o v a t or in the leasing business with one of the simples t , t w o pag e , “ plain Englis h ” lease a g r eeme nts in the indust r y with quick turna r oun d . m2 L ease F unds has the e xperien ce t o inn o v a t e , advise and e xecu t e lease p r o g r ams f or c omme r cial and industr ial equipme n t . Inno v a ti v e P ar tnership T he r e c e ntly c omple t ed R ock f o r d Bank & T rust P a vilion a t the n ationally r e c o g ni z ed A ldeen G olf Club is a stunningly desi gned building th a t p r o vides the pe r f e c t can - v as f or w edding s , meetings and special e v e n t s . R ock f o r d Bank & T rus t ’ s inn o v a ti v e pa r tnership and collabo r a ti v e ef f o r ts with the R ock f o r d P ar k Distr i c t and the A ldeen F ound ation p r o vide a r a r e oppo r tuni ty t o enhan c e the RB&T b r and while c r e a ting a unique spa c e f or the c ommuni ty t o g a the r . Inno v a ti v e T r easu r y Manageme n t I nn o v a tion, sophistic a tion and simplicity best descr ibe the T r easu r y M anageme n t solution QCR Holdings of f ers its clien t s . O ur online business ban k ing solution easily se r v es c ompanies f r om a sole p r opr ie t or t o c or po r a tions with thousands of empl oy - ee s . Each bank mai n tains a local T r easu r y M anageme n t t eam th a t p r o vides inn o v a ti v e solutions usually only of f e r ed b y big bank s . Inno v a ti v e C lie n ts Su c c essfu l , inn o v a ti v e clien ts r equi r e an in - n o v a ti v e financial pa r tner like C edar R apids Bank & T rus t . CCB P ac k a g in g , a wor ld - wide indust r y leader in inn o v a tion s , of f ers st a t e - of - th e - a r t , au t om a t ed pac k a g ing solutions a t v e r y c ompetiti ve r a t e s . C edar R apids Bank & T rus t ’ s inn o v a ti v e financing options has all ow ed CCB t o meet the needs of i t ’ s clien t s . visit ww w . c cbpac k a g in g . c om t o lear n mo r e about CCB P ac k a g in g . M A T T RI T TER SV P , C hief In f orma tion O fficer C lear L a ke Bank & T rust “ Af t er w ork ing with a varie t y of c orr espondent banks for mor e than 20 y ear s , ma k ing the change t o Q uad Ci t y Bank & T rust has p r o v en t o be a wise and prudent decision. T he C orr espondent Ban k ing T eam p r o vides personal se r vi c e tailo red t o our needs , r outine foll o w up c alls & visit s , c ompetiti v e pricin g , and o v er all outstanding se r vi c e . ” W E MAK E I T B E T TER . W e kn o w we ca n “ mak e i t bet t e r . ” Doin g s o r equi r e s c o n tinua l inn o v a tion . Jus t a s ou r loca l cha r t er s p r o vide simplici t y t o mee t ou r clie n t s ’ nee d , we a r e c o n tinuall y str ivin g t o imp r o v e ou r ban kin g p r oduc t s t o mak e the m simpl e an d a c cessibl e . P auline M . H erb V P , T reasu r y Manageme n t C edar R apids Bank & T r ust QCR Holding s , In c . 14

A l l Empl oy e e Ret r e a t Y ou ha v e dri v en our past… y ou will dri v e our futu r e , w as the theme of the 25 y ear anni v ersa r y e v e n t . F or the first time in our c ompa n y ’ s his t o r y , all empl o yees f r om e v e r y e n ti t y g a the r ed in a single spa c e t o c eleb ra t e as a t eam a t an e v e n t we called D R VN25. W e t ook time t o meet the people we o f t en only wor k with r emo t ely and we hea r d f r om the c ompa n y c o - f ounders about the past 25 y ears and wh a t they see f or the n e x t 25 y ear s . W ith o v er 750 empl o yee s , r e p - r ese n ting e v e r y gene r a tion, we t ook this o p - po r tuni ty t o engage the keyno t e speakers f r om Br idge w or ks t o lear n about br idg ing gene r a tional gaps in the wor k pla c e . Raisin g (FUN)d s an d A w a r eness Big B r others Big Sis t ers p r ese n t ed an a w a r d t o QCRH/Q uad C i t y Bank & T rust f or being t op fund r aisers in their O v er the E dge e v e n t . Empl o yees and the C ompa n y c o n tr ibu t ed in an ef f o r t t o get chosen t o r appel d o wn the side of a local ho t e l . W e had th r ee empl oy - ees – C a t h y L oughea d , K it t y D oughe r t y , and N icole F o r d - who r appelled d o wn Ho t el Blac k h a wk as pa r t of this e v e n t . D o g D a y s Of Summer D og g ie Dip - A c ommuni ty and fur dr iv en e v e n t f e a tur ing 750 C edar V alley r eside n ts and 402 of our f our legged fr iends! W o w – th a t ’ s a lot of legs! T he c ommuni ty (and their dogs) a r e i n vi t ed out t o the F alls A qu a tic C e n t er in C edar F alls t o enj o y one of the last d a ys of summe r, sponso r ed b y C ommuni ty Bank & T rus t . Dogs go d o wn the slide s , jump off diving boa r d s , di v e f or t o ys – i t ’ s a sig h t t o see! O v er half the staff v olu n t eer f or this fun, w e t , and wild e v e n t! T he C ommuni ty Bank & T rust F a c ebook e v e n t r eached o v er 61,000 local fa c es and had 800 i n t er a c tions with our pho t o album. Dancin g f o r a D if f e r en c e D a v e S t ol t enbe r g of C edar R apids Bank & T rust helped make a di r e c t and meaning - ful impa c t on the stude n ts of X a vier H igh S chool b y pa r ticipa ting in Dancing with the S ain t s , a high - ene r gy liv e e v e n t in which c ommuni ty “ star s ” and their dan c e p r os pe r - f or m in f r o n t of near ly 1,000 a t t endee s . D a v e dan c ed his hea r t out f or v o t es via online don a tions t o help suppleme n t the schoo l ’ s tuition assistan c e p r o g r am s . Summe r F un Each summe r, Q uad C i t y Bank & T rust hosts a VIP r e c eption f or clien ts a t the R iv e r f r o n t P op s , in pa r tnership with the Q uad C i t y S ympho n y O r chest r a. A s a ma r quee fund - r aising e v e n t in the Q uad C itie s , the casual and f esti v e a tmosphe r e of f ers a genuine f eeling of goodwill and c ommuni ty pr ide while g iving empl o yees a chan c e t o ne t - wor k with key stakeholders and r aise money f or music educ a tion in the Q uad C itie s . W E H A V E FUN . A s a se r vi ce indust r y , whos e su c c es s depend s o n empl oy ee s eage r t o se r v e an d c onfiden t o f thei r ca r ee r choi c e , QCR Holding s i s kn o w n f o r empl o yin g th e bes t peopl e . F indin g an d r etainin g th e bes t peopl e r equi r e s a w or k pla ce fille d wit h r espe c t and fulfillmen t . A w ork - li f e balan c e an d a healt h y dos e o f fu n a r e ke y s t o ou r v alu e o f fulfillmen t . QCR Holding s , In c . 15

QC R HOLDING S I S HEADQ U ARTERE D I N MOLIN E , ILLINOI S AND OPE R A TE S FIV E L O C AL L Y M AN A GE D AN D G O VERNE D CHARTER S IN FOU R S T A TE S , SUPPORTE D B Y A CENT R ALIZE D OPE R A TIONA L TEA M . 4 S T A TES 5 CHA R TERS 27 F A CILITIES 755 + EMP L O YEES 1 F A MI L Y QCR Holding s , In c . 16

$5.00 $10.00 $15.00 $30.00 66% $25.00 46% $20.00 $35.00 $40.00 $45.00 $50.00 QCRH P ri c e/ S ha r e K B WR % C hange 6% 26% 86% 106% 126% 146 % 201 1 201 2 201 3 201 4 201 5 201 6 201 7 2018 QCR HOLDINGS KBWR R egional Ban k ing Ind e x YEAR - EN D 201 1 - 2 018 DEPOSI T MI X 201 7 - 2 018 ( $ MILLIONS) 2018 2017 $500 $1,000 $1,500 $2,000 $2,500 $3,000 $3,500 $4,000 $4,500 $0 $3,267 $3,977 N oni n t e r est - bearing I n t e r est - bearing T ime D eposits Br o ke r ed D eposits L O A N M I X 201 7 - 2018 ( $ MILLION S . E X CL UDE S DEFERRE D L O A N /LEAS E ORIGIN A TIO N C OS T S , NE T O F FEE S .) 2018 2017 $500 $1,000 $1,500 $2,000 $2,500 $3,000 $3,500 $4,000 $0 $2,957 $3,723 C omm & Industrial C omm Real Est a t e D i r e c t F inancing L eases Reside n tial Real Est a t e Installme n t & C onsumer QCR Holding s , In c . 17

C ONSOLI D A TED FINANCIA L HIGHLIGH T S As of D ece m b e r 31, D ece m b e r 31, 2018 2017 ( do ll a r s i n t hou s and s ) ANA L Y S I S O F L O A N DA T A L o a n /l ea s e mi x: QCR Holding s , In c . 18 C O ND E N S E D B A L ANC E S H EE T A m ount A m ount C a s h a nd due fr om b a nks $ 85 , 523 $ 75 , 722 F e d e r a l f unds s o l d a nd i n t e r e s t - b ea r i ng d e po s it s 159 , 596 85 , 962 S ec u r iti es 662 , 969 652 , 382 N e t l o a n s /l ea s es 3 , 692 , 907 2 , 930 , 130 I n t a ng i b l e s 17 , 450 9 , 079 G ood w il l 77 , 832 28 , 334 O t h e r a ss e t s 253, 433 201, 056 T o t al a ss e t s $ 4, 949, 710 $ 3, 982, 665 T o t a l d e po s it s $ 3 , 977 , 031 $ 3 , 266 , 655 T o t a l bo rr o w i ngs 404 , 969 309 , 480 O t h e r li a b iliti e s 94 , 572 53 , 243 T o t a l s t o c kho l d e r s ' e qu it y 473, 138 353, 287 T o t al li a b ili t i e s a n d s t o c kh o l d er s ' e qu i t y $ 4, 949, 710 $ 3, 982, 665 C o mm e r c i a l a nd i ndu s t r i a l l o a ns $ 1 , 429 , 410 $ 1 , 134 , 516 C o mm e r c i a l r ea l e s t a t e l o a ns 1 , 766 , 111 1 , 303 , 492 D i r ec t f i n a n c i ng l ea s es 117 , 968 141 , 448 R e s i d e n ti a l r ea l e s t a t e l o a ns 290 , 759 258 , 646 I n s t a llm e nt a nd o t h e r c on s u m e r l o a ns 119 , 382 118 , 611 D e f e rr e d l o a n /l ea s e o r i g i n a ti on c o s t s , n e t of f ees 9, 124 7, 773 T o t al l oa n s /l e a s e s $ 3 , 732 , 754 $ 2 , 964 , 486 L e s s a ll o w a n c e f or e s tim a t e d l o ss e s on l o a n s /l ea s es 39, 847 34, 356 N e t l oa n s /l e a s es $ 3, 692, 907 $ 2, 930, 130 ANA L Y S I S O F S E CUR I T I E S DA T A S ec u r iti e s mi x: U . S . gov e r n m e nt s pon s o r e d a g e n c y s ec u r iti e s $ 36 , 411 $ 38 , 097 M un i c i p a l s ec u r iti e s 459 , 409 445 , 050 R e s i d e n ti a l m o r t g a g e - b ac k e d a nd r e l a t e d s ec u r iti es 159 , 249 163 , 301 O t h e r s ec u r iti es 7, 900 5, 934 T o t al s ec u r i t i es $ 662, 969 $ 652, 382 ANA L Y S I S O F D E P O S I T DA T A D e po s i t mi x: N on i n t e r e s t - b ea r i ng d e m a nd d e po s it s $ 791 , 101 $ 789 , 548 I n t e r e s t - b ea r i ng d e m a nd d e po s it s 2 , 204 , 206 1 , 855 , 893 T im e d e po s its 704 , 903 516 , 058 B r ok e r e d d e po s it s 276, 821 105, 156 T o t al d e p o s i t s $ 3, 977, 031 $ 3, 266, 655 ANA L Y S I S O F B O RR O W I N G S DA T A B o rr o w i ngs mi x: T e r m F H L B a dv a n ces $ 76 , 327 $ 56 , 600 O v e r n i ght F H L B a dv a n ce s 190 , 165 135 , 400 W ho l e s a l e s t r u c t u r e d r e pu r c h a s e a g r ee m e n t s 35 , 000 35 , 000 C u s t o m e r r e pu r c h a s e a g r ee m e n t s 2 , 084 7 , 003 F e d e r a l f unds pu r c h a s e d 26 , 690 6 , 990 J un i or s ubo r d i n a t e d d e b e n t u r e s 37 , 670 37 , 486 O t h er 37, 033 31, 000 T o t al b o rr o w i n gs $ 404, 969 $ 309, 479

C ONSOLI D A TED FINANCIA L HIGHLIGH T S QCR Holding s , In c . 19 D ece m b e r 31, 2018 D ece m b e r 31, 2017 F or t h e Y e ar E nd ed ( do ll a r s i n t hou s and s , exce pt p e r s ha r e da t a) I NC O M E S T A TE M E N T I n t e r e s t i n c o me $ 182 , 879 $ 135 , 517 I n t e r e s t e xp e n s e 40 , 484 19 , 452 N e t i n t e r e s t i n c o me 142 , 395 116 , 065 P r ov i s i on f or l o a n /l ea s e l o ss e s 12 , 658 8 , 470 N e t i n t ere s t i n c o m e a ft e r p r ov i s i on f or l oa n /l e a s e l o ss es $ 129 , 737 $ 107 , 595 T r u s t d e p a r tm e nt f ees $ 8 , 707 $ 7 , 188 I nv e s tm e nt a dv i s o r y a nd m a n a g e m e nt f ee s 4 , 726 3 , 870 D e po s i t s e r v i c e f ees 6 , 420 5 , 919 G a i n on s a l e s of r e s i d e n ti a l r ea l e s t a t e l o a ns 901 409 G a i n on s a l e s of gov e r n m e nt gu a r a n t ee d po r ti ons of l o a ns 405 1 , 164 S w a p f e e i n c o m e 10 , 787 3 , 095 S ec u r iti e s g a i ns ( l o ss e s ) , n et - ( 88) E a r n i ngs on b a nk - o w n e d li f e i n s u r a n c e 1 , 632 1 , 802 D e b i t ca r d f ees 3 , 263 2 , 942 C o rr e s pond e nt b a nk i ng f ee s 852 916 O t h er 3 , 848 3 , 265 T o t al n o n i n t ere s t i n c o m e $ 41 , 541 $ 30 , 482 S a l a r i e s a nd e m p l oy e e b e n e f it s $ 68 , 994 $ 55 , 722 O cc up a n c y a nd e qu i p m e nt e xp e n s e 12 , 884 10 , 938 P r o f e ss i on a l a nd d a t a p r o ce ss i ng f ee s 11 , 452 10 , 757 A c qu i s iti on c o s t s 1 , 795 1 , 069 P o s t - ac qu i s iti on c o m p e n s a ti on, t r a n s iti on a nd i n t e g r a ti on c o s t s 2 , 086 4 , 310 F D I C i n s u r a n ce , o t h e r i n s u r a n c e a nd r e gu l a t o r y f ee s 3 , 594 2 , 752 L o a n /l ea s e e xp e n s e 1 , 544 1 , 164 N e t c o s t of op e r a ti on of o t h e r r ea l e s t a t e 2 , 489 2 A dv e r ti s i ng a nd m a r k e ti ng 3 , 552 2 , 625 B a nk s e r v i c e c h a r g es 1 , 838 1 , 771 C o rr e s pond e nt b a nk i ng e xp e n s e 821 807 C D I a m o r ti za ti on 1 , 692 1 , 001 O t h er 6 , 402 4 , 506 T o t al n o n i n t ere s t e x p e n s e $ 119 , 143 $ 97 , 424 N e t i n c o m e b e f o r e t ax es $ 52 , 135 $ 40 , 653 4 , 946 $ 35 , 707 I n c o m e t a x e xp e n s e 9 , 015 N e t i n c o m e $ 43 , 120 B a s i c E P S $ 2 . 92 $ 2 . 68 D il u t e d E P S $ 2 . 86 $ 2 . 61 We i gh t e d a v e r a ge c o mm on s h a r e s ou t s t a nd i ng 14 , 768 , 687 13 , 325 , 128 We i gh t e d a v e r a ge c o mm on a nd c o mm on e qu i v a l e nt s h a r e s ou t s t a nd i ng 15 , 064 , 730 13 , 680 , 472

D ece m b e r 31, 2018 D ece m b e r 31, 2017 C O MM O N S H ARE DAT A C o mm on s h a r e s ou t s t a nd i ng B ook v a l ue p e r c o mm on s h a r e ( 1) T a ng i b l e book v a l ue p e r c o mm on s h a r e ( 2) C l o s i ng s t o c k p r i c e M a r k e t ca p it a li za ti on M a r k e t p r i c e / book v a l ue M a r k e t p r i c e / t a ng i b l e book v a l ue E a r n i ngs p e r c o mm on s h a r e ( b a s i c ) LT M ( 3) P r i c e ea r n i ngs r a ti o LT M ( 3) T C E / T A ( 4) 15 , 718 , 208 $30 . 10 $24 . 04 $32 . 09 $504 , 397 106 . 61% 133 . 49% $2 . 92 10 . 98 x 7 . 78% 13 , 918 , 168 $25 . 38 $22 . 70 $42 . 85 $596 , 393 168 . 81% 188 . 81% $2 . 69 15 . 93 x 8 . 01% P r o cee ds fr om i ss u a n c e of 23 , 501 s h a r e s of c o mm on s t o c k, c o mm on s t o c k a s a r e s u l t of t he ac qu i s iti on of B a t e s C o m p a n i e s O t h e r ( 5) E nd i ng b a l a n c e 1 , 000 1 , 952 $ 473 , 138 - 2 , 371 $ 353 , 287 R E G U L A T O R Y CA P I T A L RA T I O S : T o t a l r i s k - b a s e d ca p it a l r a tio T i e r 1 r i s k - b a s e d ca p it a l r a ti o T i e r 1 l e v e r a ge ca p it a l r a ti o C o mm on e qu it y ti e r 1 r a tio 10 . 69% 9 . 77% 8 . 87% 8 . 89% 11 . 15% 10 . 14% 8 . 98% 9 . 10% K E Y P E R F O R M ANC E RA T I O S AND O T H ER M ET R I C S R e t u r n on a v e r a ge a ss e t s ( a nnu a li ze d) R e t u r n on a v e r a ge t o t a l e qu it y ( a nnu a li ze d) N e t i n t e r e s t m a r g in N e t i n t e r e s t m a r g i n ( TE Y ) ( N on - GAA P )( 6) ( 8) E ff i c i e n c y r a ti o ( N on - GAA P ) ( 8) G r o s s l o a ns a nd l ea s e s / t o t a l a ss e t s F u ll - tim e e qu i v a l e nt e m p l oy ee s ( 7) 0 . 98% 10 . 62% 3 . 46% 3 . 62% 64 . 77% 75 . 41% 755 1 . 01% 11 . 51% 3 . 50% 3 . 78% 66 . 48% 74 . 43% 641 AVE RA G E B AL ANCE S A ss e t s L o a n s /l ea s es D e po s it s T o t a l s t o c kho l d e r s ' e qu it y 4 , 392 , 121 3 , 352 , 357 3 , 602 , 221 405 , 973 $ 3 , 519 , 848 2 , 611 , 888 2 , 916 , 577 310 , 210 $ (1) I n c l ud e s acc u m u l a t e d o t h e r c o m p r e h e n s i ve i n c o m e ( l o ss ) . (2) I n c l ud e s acc u m u l a t e d o t h e r c o m p r e h e n s i ve i n c o m e ( l o ss ) a nd e x c l ud e s i n t a ng i b l e a ss e t s . (3) LT M : L a s t t w e l ve m on t h s . (4) T C E / T C A : t a ng i b l e c o mm on e qu it y / t o t a l t a ng i b l e a ss e t s . (5) I n c l ud e s m o s tl y c o mm on s t o c k i ss u e d f or op ti ons e x e r c i s e d a nd t he e m p l oy e e s t o c k pu r c h a s e p l a n, a s w e l l a s s t o c k - b a s e d c o m p e n s a ti on. (6) TE Y : T a x e qu i v a l e nt y i e l d. (7) F u ll - ti m e e qu i v a l e nt e m p l oy ee s i n c r ea s e d i n 2018 due t o t he m e r g e r w it h S p r i ng f i e l d B a n c s h a r e s a nd ac qu i s iti on of t he B a t e s C o m p a n i e s , a s w e l l a s n e w po s iti ons c r ea t e d t o bu il d s ca l e. (8) S e e GAA P t o N on - GAA P r ec on c ili a ti on s . F or t h e Y e ar E nd ed ( do ll a r s i n t hou s and s , exce pt p e r s ha r e da t a) C ONSOLI D A TED FINANCIA L HIGHLIGH T S QCR Holding s , In c . 20 C O NDE NS E D S T AT E M E NT O F C H AN G E S I N S T O C KHO L DE RS ' E Q U I T Y B e g i nn i ng b a l a n c e $ 353 , 287 $ 286 , 041 N e t i n c o me 43 , 120 35 , 707 O t h e r c o m p r e h e n s i ve i n c o m e ( l o ss ) , n e t of t a x ( 3 , 205) 1 , 092 C o mm on s t o c k ca s h d i v i d e nds d ec l a r e d P r o cee ds fr om i ss u a n c e of 678 , 670 s h a r e s of c o mm on s t o c k a s a r e s u l t of t he ac qu i s iti on of G u a r a n t y B a nk & T r u s t , n e t of i ss u a n c e c o s t s of $138 , 071 ( 3 , 547) - ( 2 , 665) 30 , 741 P r o cee ds fr om i ss u a n c e of 1 , 689 , 414 s h a r e s of c o mm on s t o c k a s a r e s u l t of t he m e r g e r w it h S p r i ng f i e l d B a n c s h a r e s , n e t of i ss u a n c e c o s t s of $106 , 237 80 , 531 -

ANAL YS IS O F NE T I NT E RE S T I NC O M E AND M AR G IN F or t h e Y e ar E nd ed D ece m b er 31, 2018 D ece m b er 31, 2017 A v era ge I n t ere s t E ar n e d A v era ge Y i e l d B al a n ce or P a i d or C os t A v era ge I n t ere s t E ar n e d A v era ge Y i e l d B al a n ce or P a i d or C os t ( 1) I n c l ud e s non t a x a b l e s ec u r iti e s a nd l o a ns . I n t ere s t ear n e d a nd y i e l ds on non t a x a b l e s ec u r iti e s a nd l o a ns ar e d e t er m i n e d on a t a x e qu i v a l e nt b a s i s us i ng a 35% t a x ra t e f or y ear s i n c l ud i ng a nd p r i or t o D ece m b e r 31, 2017 a nd 21% f or y ear s af t e r D ece m b e r 31, 2017. ( do ll ar s i n t housands ) D ece m b e r 31, 2018 D ece m b e r 31, 2017 N O NP E RF O R M I N G A SS ET S N on acc r u a l lo a ns/l ea s es A cc r uing lo a ns/l ea s e s p a s t due 90 d a ys or m o r e T r oubl e d d e bt r e st r u c tu r e s - acc r uing T ot a l nonp e rf o r mi ng lo a ns/l ea s e s O th e r r ea l e st a t e o w n ed O th e r r e poss e ss e d a ss e t s T o t al n o np er f o r m i n g ass e t s 14 , 260 632 $ 11 , 441 89 $ 3 , 659 18 , 551 9 , 378 8 $ 27 , 937 7 , 113 18 , 643 13 , 558 80 $ 32 , 281 ( 1) U pon ac quisition a nd p e r GAA P , ac qui r e d lo a ns a r e r ec o r d e d a t m a r k e t v a l ue w hi c h e li m in a t e d t he a llo w a n c e a nd i m p ac t s th e s e r a tios . ( dollar s in thousands ) C ONSOLI D A TED FINANCIA L HIGHLIGH T S QCR Holding s , In c . 21 F e d f unds s o l d $ 20 , 472 $ 338 1 . 65% $ 17 , 577 $ 149 0 . 85% I n t e r e s t - b ea r i ng d e po s it s a t f i n a n c i a l i n s tit u ti ons 66 , 275 1 , 267 1 . 91% 78 , 842 874 1 . 11% S ec u r iti e s ( 1) 659 , 017 23 , 621 3 . 58% 590 , 761 22 , 460 3 . 80% R e s t r i c t e d i nv e s tm e nt s ec u r iti e s 22 , 023 1 , 093 4 . 96% 15 , 768 631 4 . 00% L o a ns ( 1) 3, 352, 357 163, 197 4. 87% 2, 611, 888 120, 618 4. 62% T o t al e a r n i n g a ss e t s ( 1) $ 4 , 120 , 144 $ 189 , 516 4 . 60% $ 3 , 314 , 836 $ 144 , 732 4 . 37% I n t e r e s t - b ea r i ng d e po s it s $ 2 , 043 , 314 $ 18 , 651 0 . 91% $ 1 , 622 , 723 $ 7 , 992 0 . 49% T im e d e po s its 766 , 020 12 , 024 1 . 57% 528 , 834 5 , 020 0 . 95% S ho r t - t e r m bo rr o w i ngs 19 , 458 271 1 . 39% 22 , 596 114 0 . 50% F e d e r a l H o m e L o a n B a nk a dv a n ces 202 , 715 4 , 193 2 . 07% 120 , 206 1 , 981 1 . 65% O t h e r bo rr o w i ngs 69 , 623 3 , 346 4 . 81% 73 , 394 2 , 879 3 . 92% J un i or s ubo r d i n a t e d d e b e n t u r e s 37, 578 1, 999 5. 32% 34, 030 1, 466 4. 31% T o t al i n t ere s t - b e a r i n g li a b ili t i e s $ 3 , 138 , 708 $ 40 , 484 1 . 29% $ 2 , 401 , 783 $ 19 , 452 0 . 81% N e t i n t ere s t i n c o m e / s p re ad ( 1) $ 149 , 032 3 . 31% $ 125 , 280 3 . 56% N e t i n t ere s t m a r g i n 3 . 46% 3 . 50% N e t i n t ere s t m a r g i n ( TE Y ) ( N o n - G AA P ) ( 1) 3 . 62% 3 . 78% A d j u s t e d n e t i n t ere s t m a r g i n ( TE Y ) ( N o n - G AA P ) ( 1) 3 . 48% 3 . 64% R O LL F O R W ARD O F AL L O W ANCE F O R L O AN / LE AS E L O SS E S B e g i nn i ng b a l a n c e $ 34 , 356 $ 30 , 757 P r ov i s i on c h a r g e d t o e xp e n s e 12 , 658 8 , 470 L o a n s /l ea s e s c h a r g e d o f f ( 7 , 919) ( 5 , 373) R ec ov e r i e s on l o a n s /l ea s e s p r e v i ou s l y c h a r g e d o f f 752 502 E nd i n g b a l a n c e $ 39 , 847 $ 34 , 356 A SS E T Q UA L I T Y RA T I O S N onp e rf o r mi ng a ss e t s / t o t a l a ss e ts 0 . 56% 0 . 81% A ll o w a n c e / t o t a l l o a n s /l ea s e s ( 1) 1 . 07% 1 . 16% A ll o w a n c e / nonp e rf o r mi ng l o a n s /l ea s e s ( 1) 214 . 80% 184 . 28%

A v era ge ear n i ng a ss e t s 4 , 120 , 144 $ 3 , 314 , 836 $ E FF I C I E NCY RAT IO N on i n t ere s t e xp e nse ( GAA P ) 119 , 143 $ 97 , 424 $ N e t i n t ere s t i n c o m e ( GAA P ) N on i n t ere s t i n c o m e ( GAA P ) T o t a l i n c o me $ 142 , 395 41, 541 $ 183 , 936 $ 116 , 065 30, 482 $ 146 , 547 E ff i c i e n c y r a t i o ( n o n i n tere s t e x p e n s e / t o t al i n c o m e ) ( n o n - G AA P ) 64 . 77% 66 . 48% * N on rec u rr in g it e m s (af t er - t a x ) are ca l c ul a t ed usin g an e sti ma t ed effec tiv e t ax ra t e o f 35 % f o r each y ear in c ludin g a n d p r io r to D ecem b er 31 , 201 7 a n d 21 % f o r each y ear af t er D ecem b er 31 , 2017 . ( do ll ar s i n t housands ) C ONSOLI D A TED FINANCIA L HIGHLIGH T S QCR Holding s , In c . 22 D ece m b e r 31, D ece m b e r 31, G AA P T O N O N - G AA P R E C O NC I L I A T I O NS 2018 2017 AD J US TE D N I M ( TE Y ) * N e t i n t e r e s t i n c o m e ( GAA P ) $ 142 , 395 $ 116 , 065 P l u s : T a x - e qu i v a l e nt a d j u s tm e nt 6, 637 9, 215 N e t i n t e r e s t i n c o m e - t a x e qu i v a l e nt ( non - GAA P ) 149 , 032 125 , 280 L e ss : A c qu i s iti on acc oun ti ng n e t acc r e ti on 5, 527 4, 774 A d j u s t e d n e t i n t e r e s t i n c o me $ 143 , 505 $ 120 , 506 N I M ( G AA P ) 3 . 46% 3 . 50% N I M ( TE Y ) ( n o n - G AA P ) 3 . 62% 3 . 78% A d j u s t e d N I M ( TE Y ) ( n o n - G AA P ) 3 . 48% 3 . 64%

QCR Holding s , In c . 23 A nnual M eeting of S to c k holders T he Annual M eeting of the S t oc k holders of QCR Holding s , I n c . will be held: T hursd a y , M a y 23, 2019 a t 8:00 am C DT Q uad Ci t y Bank & T rust L ob b y 3551 S e v e n th S t r eet M olin e , IL 61265 A nnual Repo r t on F orm 10 - K Copies of the QCR Holding s , I n c . annual r epo r t on F or m 10 - K and e xhibits filed with the S ecur ities and E x change C ommission (SE C ) ar e a vailable t o st oc k holders without cha r ge b y ac c essing our i n t er net si t e a t ww w .qc rh. com or b y wr iting or calling: Elizabeth A. G r abin S enior V i c e P r eside nt , Chief A cc ou n ting O ffi c er QCR Holding s , I n c . 3551 S e v e n th S t r eet M olin e , IL 61265 309.743.7724 T he SEC mai n tains an i n t er net si t e th a t c o n tains r epo r t s , pr o x y , and in for m a tion st a temen ts and other in for m a tion about issuers th a t file ele c t r onically with the SEC. T he address of th a t si t e is: ww w .se c .g o v . S to ck T r ans fer A ge n t I nquir ies r egar ding st ock t r ansf e r , r e g ist r a tion, lost c e rtific a te s , or changes in name and address should be di r e c t ed t o the st ock t r ansf er age n t and r e g ist r ar b y wr iting: A mer ican S t ock T r ansf er & T rust C ompa n y , L L C Ope r a tions C e nt er 6201 15th A v enue B r oo k lyn, N Y 11219 I n v est or I n f orm a tion S t oc k holders , i n v es tor s, an d anal y st s in t e r es t ed in additiona l in f o r matio n m a y c onta c t: T odd A. Gipple P r eside nt - Elec t , Chief Ope r a ting O ffi c er and Chief F inancial O ffi c er QCR Holding s , I n c . 3551 S e v e n th S t r eet M olin e , IL 61265 309.743.7745 Chr is topher J . Lindell E x ecuti ve V i c e P r eside nt , Inv es tor R el a tions and C orpo r a te S ecr eta r y QCR Holding s , I n c . 500 F irst A v enue N E , C edar R apid s , IA 52401 319.743.7006 Indep ende n t Regis t er ed P ublic Acc ou n ting F irm RSM US LL P , D a v enpo r t , IA Corp o ra t e Counsel Lan e & W at e r ma n LL P , Da v enpo r t , IA Bar ac k F e r r azzan o K irschbau m & Nagelbe r g LL P , Chicag o , IL I n ternet I n f orm a tion I n f or m a tio n o n ou r subsidiarie s ’ hist o r y , loc a tion s , p r odu c ts an d se rvi c e s can be ac c essed o n the i n t er ne t a t : ww w .qcbt. c om ww w .cr b t . c om ww w . c ommuni t yb t . c om ww w .r kf dban k . c om ww w .bankcs b . c om ww w .s f cban k . c om ww w .m2leas e . c om C OMMO N S T OCK C alenda r 2018 High L o w 4 t h Q ua r ter 3 r d Q ua r ter 2 n d Q ua r ter 1 s t Q ua r ter $ 40.83 49.40 49.20 47.35 $30.93 40.70 44.30 41.95 C alenda r 2017 High L o w 4t h Q ua r ter 3 r d Q ua r ter $ 49.70 50.00 $ 41.50 39.85 DIVIDEN D INFORM A TION S T OC K LISTIN G INFOR M A TION T he c ommon s t ock of QCR Holding s , I n c . is t r aded on the NAS D A Q G lobal M ar k et under the symbol QCRH Re c o rd D ate P a yme n t D ate A mou n t P er S ha r e 12.21.18 01.01.19 $ .06 09.21.18 10.03.18 $ .06 06.15.18 07.05.18 $ .06 03.16.18 04.04.18 $ .06 12.15.17 01.04.18 $ .05 09.15.17 10.04.17 $ .05 06.16.17 07.06.17 $ .05 03.17.17 04.05.17 $ .05 2n d Qua r t er 49.80 40.45 1s t Qua r t er 45.00 40.65

W E ARE RE L A TIONSHIP DRIVEN

3551 SEVENTH STREET MOLINE, IL 61265 ww w .qcrh.com Copyright

© 2019