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 ...