Heartland Financial USA Results Presentation Deck
November 2023, 55 slides
  1. Heartland Financial USA
  2. Results Presentation Decks
quarter financial data we see growth | Heartland Financial USA
safe harbor | Heartland Financial USA
table of contents overview transformation strategic focus financial summary mission vision non reconciliations | Heartland Financial USA
billion asset regional bank headquartered in operations centered in distinct banking brands with local leadership consolidated suite of products and services commercial small business focus across footprint consumer wealth management adjacent businesses | Heartland Financial USA
transformation not the old heartland financial | Heartland Financial USA
positioning for the future moving from into completed charter consolidation of bank subsidiaries exiting sub scale businesses branch optimization a | Heartland Financial USA
strategic balance sheet reposition completed mid securities sold wholesale funding reduced estimated one time loss net interest income initial ratio improvement million yield of average life of years use of proceeds of million after tax million tax million annually nim up improvement projected reduced | Heartland Financial USA
strategic focus goal driving long term growth | Heartland Financial USA
attractive diverse geographic markets mix of high growth and stable markets | Heartland Financial USA
go to market strategy middle market banking making bank | Heartland Financial USA
commercial banking growth focus on operating company relationships insight | Heartland Financial USA
new commercial relationships over the past months new commercial relationships loans funded new deposits focus on bringing in higher quality new relationships | Heartland Financial USA
improving customer experiences customer engagement process improvement data analytics | Heartland Financial USA
focus on credit discipline chief credit officer joined in from a regional bank bringing years of banking experience improved process and procedures improving talent throughout credit centralized function at cohesive approach in all markets focus on improving the credit profile of the new commercial relationships | Heartland Financial USA
improving quality of capital base | Heartland Financial USA
commitment to deliver long term growth year asset gross loans deposits average non dividend revenue as of non | Heartland Financial USA
investment thesis efficiency ratio | Heartland Financial USA
financial summary | Heartland Financial USA
company overview | Heartland Financial USA
highlights million available to common shareholders nim stabilizing customer deposits fund loan growth reduction in wholesale funding stable credit performance ratio continues to climb charter consolidation finalized highlights nim year a during the quarter | Heartland Financial USA
diluted and common dividends increasing dividends to shareholders | Heartland Financial USA
profitability summary | Heartland Financial USA
net interest margin breakdown | Heartland Financial USA
deposit funding attractive customer deposit costs | Heartland Financial USA
non interest income diversified revenue mix | Heartland Financial USA
operating efficiency improving core costs | Heartland Financial USA
highly liquid balance sheet strong liquidity sources with access to significant funding | Heartland Financial USA
investment portfolio cribs ala made eel | Heartland Financial USA
diversified loan portfolio across both product and footprint | Heartland Financial USA
i portfolio of total loans | Heartland Financial USA
owner occupied portfolio of total loans | Heartland Financial USA
non owner occupied portfolio of total loans | Heartland Financial USA
non owner occupied office of total loans i | Heartland Financial USA
construction portfolio of total loans highlights | Heartland Financial USA
agriculture portfolio of total loans | Heartland Financial USA
deposit summary diversified and stable deposit base | Heartland Financial USA
deposit diversification | Heartland Financial USA
consolidated capital ratios exceeding well capitalized levels | Heartland Financial USA
summary asset quality | Heartland Financial USA
allowance for credit related losses | Heartland Financial USA
we see growth everywhere enriching lives one customer employee and community at a time we will be a top performing and admired banking organization actively contributing to the vitality of the communities where we live and work and delivering financial and excellent experiences integrity always do the right thing be honest and open community engage your community and your team support one another and unlock the potential around you accountability own the opportunity and the outcome keep your promises follow through and follow up excellence exceed expectations every customer every time | Heartland Financial USA
together we make a difference highlights board diversification billion in small business loans thousand in charitable contributions in employee volunteer hours planted trees one per investing financing the development diversity inclusion | Heartland Financial USA
contact information | Heartland Financial USA
soli bank of valley banks be pats cit we premier fam together we are | Heartland Financial USA
non reconciliations | Heartland Financial USA
non financial measures | Heartland Financial USA
non reconciliations dollars in thousands except per share data | Heartland Financial USA
non reconciliations dollars in thousands except per share data | Heartland Financial USA
non reconciliations dollars in thousands except per share data | Heartland Financial USA
non reconciliations dollars in thousands except per share data | Heartland Financial USA
non reconciliations dollars in thousands except per share data | Heartland Financial USA
non reconciliations dollars in thousands except per share data | Heartland Financial USA
non reconciliations dollars in thousands except per share data | Heartland Financial USA
non reconciliations dollars in thousands except per share data | Heartland Financial USA
soli bank of valley banks be pats cit we premier fam together we are | Heartland Financial USA
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Heartland Financial USA
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