3rd Quarter 2023 Financial Data Safe Harbor This investor presentation (including any information incorporated herein by reference) and future oral and written statements of HTLF and its management, may contain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, with respect to the business, financial condition, results of operations, plans, objectives and future performance of HTLF. Any s ...

财务数据和关键指标变化 - 第三季度净收入为4610万美元,每股收益1.08美元,其中4美分来自于合并分行的一次性费用 [8] - 贷款增加1.54亿美元,全部由客户存款增加1.52亿美元提供资金 [24] - 投资组合减少近3亿美元至64亿美元,占资产比重32%,税收等效收益率为3.79% [27] - 净利差下降5个基点至3.18%,主要受购买会计摊销减少2个基点的影响 [32] - 非利息收入下降410万美元至2840万美元,主要是资本市场业务收入下降220万美元 [33] - 经常性营业费用下降340万美元至1.074亿美元,主要是广告费和专业费用下降 [34] 各条业务线数据和关键指标变化 - 商业贷款增加1.76亿美元或2%,其中非自用房地产增加1.26亿美元或5% [12] - 消费贷款下降700万美元或1%,住房贷款下降1500万美元或2% [14] - 第四季度预计核心贷款增加1.5亿美元至2亿美元,主要通过客户存款增长提供资金 [14] 各个市场数据和关键指标变化 - 西部和西南地区的商业贷款需求强劲,而中西部地区相对较弱 [54] - 公司在这些地区的营销和招聘工作过去24个月取得成效,帮助公司在一些竞争对手收缩的市场中获得新客户 [54] 公司战略和发展方向及行业竞争 - 完成最后一次合并分行,所有当地银行品牌现已整合为HTLF银行,可以在整个业务区域为客户提供服务 [18] - 正在评估资产负债表和资本结构,以提高效率和灵活性,并分析费用结构,包括地理位置、网点、管理层级和控制范围 [20] - 正在投资战略和创新,增加了首席战略官和首席创新及数字官,以推动公司的持续增长和发展 [21] - 公司正专注于实现有机增长,同时也关注降低费用、提高每股收益和增加有形股东权益 [19] 管理层对经营环境和未来前景的评论 - 信贷质量保持稳定,不良贷款和不良资产占比均保持低位 [15][26] - 对商业房地产办公楼市场的压力保持警惕,但公司在这一领域的敞口较低,仅占贷款组合的3.6% [16][17] - 预计第四季度贷款增长1.5亿美元至2亿美元,主要通过客户存款增长提供资金 [35] - 预计第四季度净息差将稳定在3.20%左右,信贷损失准备金3百万美元至5百万美元 [36] - 预计经常性非利息收入将保持在2800万美元至2900万美元,受消费类手续费下降和抵押贷款收入下降的影响 [37] - 预计经常性营业费用将在1.09亿美元至1.10亿美元之间,不包括可能产生的新的FDIC评估费用 [37] 问答环节重要的提问和回答 问题1 **Andrew Liesch 提问** 询问第四季度净息差是否还有进一步上升空间 [43][44][45][46] **Bryan McKeag 回答** 目前存款价格敏感度较高,如果恢复到正常水平,加息对净息差的影响有限 [44][46] 问题2 **Damon DelMonte 提问** 询问不良资产变动情况,以及贷款增长的地理分布 [51][52][53][54] **Nathan Jones 和 Bruce Lee 回答** 不良资产变动主要是一笔多户家庭贷款转为其他实有资产,整体信贷质量保持稳定;贷款增长主要集中在西部和西南地区,中西部地区相对较弱 [52][54] 问题3 **Jeffrey Rulis 提问** 询问合并分行后员工的安排,以及未来地理布局调整的考虑因素 [77][78][84][85][87] **Bruce Lee 回答** 内部员工将被重新分配到其他项目,外部顾问费用已计入重组费用;未来将根据效率和增长潜力来评估地理布局,关注每股收益、费用控制和有形股东权益 [78][87]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF ☒ 1934 For quarterly period ended June 30, 2023 TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF ☐ 1934 For transition period from __________ to __________ Commission File Number: 001-15393 HEARTLAND FINANCIAL USA, INC. (Exact name of Registrant as specified in its charter) Delaware (State or other jurisdiction ...

Heartland Financial USA, Inc. (NASDAQ:HTLF) Q2 2023 Earnings Conference Call July 31, 2023 5:00 PM ET Company Participants Bruce Lee - President & Chief Executive Office Bryan McKeag - Chief Financial Officer Nathan Jones - Chief Credit Officer Conference Call Participants Jeff Rulis - D.A. Davidson David Long - Raymond James Andrew Liesch - Piper Sandler Terence McEvoy - Stephens Damon DelMonte - KBW Operator Greetings, and welcome to HTLF's 2023 Second Quarter Conference Call. This afternoon, HTLF announc ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF ☒ 1934 For quarterly period ended March 31, 2023 TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF ☐ 1934 For transition period from __________ to __________ Commission File Number: 001-15393 HEARTLAND FINANCIAL USA, INC. (Exact name of Registrant as specified in its charter) Delaware (State or other jurisdictio ...

Heartland Financial USA, Inc. (NASDAQ:HTLF) Q1 2023 Results Conference Call April 24, 2023 5:00 PM ET Company Participants Bruce Lee - President & Chief Executive Office Bryan McKeag - Executive Vice President & Chief Financial Office Nathan Jones - Executive Vice President & Chief Credit Officer Conference Call Participants Damon DelMonte - KBW Jeff Rulis - D.A. Davidson Terry McEvoy - Stephens Andrew Liesch - Piper Sandler David Long - Raymond James Operator Greetings, and welcome to HTLF 2023 First Quart ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ___________ to ___________ Commission File Number: 001-15393 HEARTLAND FINANCIAL USA, INC. (Exact name of Registrant as specified in its charter) Delaware (State or other jurisd ...

We see Growth. 4th Quarter 2022 Financials Safe Harbor This investor presentation (including any information incorporated herein by reference) and future oral and written statements of HTLF and its management, may contain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, with respect to the business, financial condition, results of operations, plans, objectives and future performance of ...

Heartland Financial USA, Inc. (NASDAQ:HTLF) Q4 2022 Earnings Conference Call January 30, 2023 5:00 PM ET Company Participants Bruce Lee - President & CEO Bryan McKeag - EVP & CFO Nathan Jones - EVP & Chief Credit Officer Conference Call Participants Terry McEvoy - Stephens Damon DelMonte - KBW Jeff Rulis - D.A. Davidson Andrew Leisch - Piper Sandler David Long - Raymond James Operator Greetings, and welcome to HTLF 2022 Fourth Quarter Conference Call. This afternoon, HTLF announced its fourth quarter earnin ...