Note 21 - Business Segment Information

12 Months Ended

Dec. 31, 2011

Segment Reporting Disclosure [Text Block]

Note 21.                 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 QCR Holdings, Inc. 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 three subsidiary banks wholly-owned by the Company:  QCBT, CRBT, and RB&T.  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 operations of all other consolidated subsidiaries and/or defined operating segments that fall below the segment reporting thresholds.  This segment includes the corporate operations of the parent and the 91% owned real estate holding operations of VPHC.

Selected financial information on the Company's business segments, with all intercompany accounts and transactions eliminated, is presented as follows for the years ended December 31, 2011, 2010, and 2009:

	Commercial Banking
	Quad City		Cedar Rapids		Rockford			Wealth					Intercompany			Consolidated
	Bank & Trust		Bank & Trust		Bank & Trust			Management		All other			Eliminations			Total
Twelve Months Ended December 31, 2011
Total revenue	$	47,952,867	$	28,406,789	$	13,518,534		$	5,477,913	$	228,900		$	(399,877	)	$	95,185,126
Net interest income		30,831,946		15,856,555		9,085,293			-		(1,628,938	)		-			54,144,856
Net income attributable to QCR Holdings, Inc.		8,176,665		5,154,769		329,251			789,159		(4,733,869	)		(24,327	)		9,691,648
Total assets		1,113,435,783		560,076,246		294,382,640			-		14,826,484			(16,111,099	)		1,966,610,054
Provision for loan/lease losses		2,735,014		1,655,000		2,226,000			-		-			-			6,616,014
Goodwill		3,222,688		-		-			-		-			-			3,222,688
Twelve Months Ended December 31, 2010
Total revenue	$	47,708,698	$	29,221,682	$	13,718,493		$	5,103,747	$	147,577		$	(396,943	)	$	95,503,254
Net interest income		28,664,024		15,568,717		8,041,016			-		(2,409,989	)		-			49,863,768
Net income attributable to QCR Holdings, Inc.		5,767,982		3,565,637		729,714			1,159,782		(4,581,870	)		(54,566	)		6,586,679
Total assets		1,025,699,414		546,789,724		271,378,714			-		11,622,441			(18,855,077	)		1,836,635,216
Provision for loan/lease losses		2,457,618		4,200,000		806,000			-		-			-			7,463,618
Goodwill		3,222,688		-		-			-		-			-			3,222,688
Twelve Months Ended December 31, 2009
Total revenue	$	54,609,088	$	28,835,238	$	13,458,331		$	4,391,039	$	249,524		$	(385,340	)	$	101,157,880
Net interest income		31,394,507		15,380,412		6,443,055			-		(2,949,869	)		393,562			50,661,667
Net income attributable to QCR Holdings, Inc.		5,790,506		2,317,498		(2,245,366	)		672,647		(4,633,185	)		(130,192	)		1,771,908
Total assets		975,774,394		542,739,913		265,791,702			-		11,656,970			(16,316,872	)		1,779,646,107
Provision for loan/lease losses		8,238,517		4,750,000		3,987,000			-		-			-			16,975,517
Goodwill		3,222,688		-		-			-		-			-			3,222,688