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 ...

We see Growth. 3rd 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 ...

HTLF Strength. Insight. Growth. 1st Quarter 2022 Financials Safe Harbor This investor presentation (including any information incorporated herein by reference) contains, 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 ...

HTLF Strength. Insight. Growth. 4th Quarter 2021 Financials Safe Harbor This release (including any information incorporated herein by reference), and future oral and written statements of HTLF and its management, may contain forwardlooking 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 ...

3rd Quarter 2021 Financials HTLF Strength. Insight. Growth. Safe Harbor This release (including any information incorporated herein by reference), and future oral and written statements of the company 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 perf ...

| --- | --- | |-------|-------------------------------------------------------------| | | | | | HTLF Strength. Insight. Growth. 2nd Quarter 2021 Financials | Safe Harbor This release (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 ...

HTLF Strength. Insight. Growth. 1st Quarter 2021 Financials Safe Harbor This release (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 ...

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| --- | --- | --- | --- | --- | |--------------------------------|-------|-------|-------|-------| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | PRESENTATION CAN BE | | | | | | | | | | | | UP TO THREE LINES | | | | | | | | | | | | CAN BE UP TO THREE | | | | | | | | | | | | LINES | | | | | | Heartland Financial USA, Inc. | | | | | | | | | | | | 3 rd Quarter 2020 Financials | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Presentation ...

| --- | --- | --- | |------------------------------|-------|-------| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Heartland Financial USA, Inc | | . | | | | | | | | | | | | | | | | | | | | | | COVID-19 Credit Overview | | | | | | | | Commercial and Ag Portfolios | | | | | | | | 2nd Quarter 2020 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Customer Segment Profiles Affected by COVID-19 $490,475 4.38% $498,596 4.47% $474,610 4.24% $436,931 3.92% $407,030 3.64% $36 ...