Wealth Management Group Perspective Market Commentary 10.20.09
	Heartland Financial USA, Inc. Reports Third Quarter 2009 Earnings Third Quarter 2009 Highlights    Net income for the quarter was $3.5 million Net interest income increased $4.7 million or 16% over third quarter 2008 Net interest margin exceeded 4.00% Provision for loan losses was $11.9 million compared to $7.1 million in third Quarter 2008 Deposit growth was $304.2 million or 12% since year-end 2008 Total loans decreased $37.1 million or 2% since year-end 2008 Galena State Bank acquired The Elizabeth State Bank on July 2, 2009, in a whole bank loss sharing transaction facilitated by the FDIC  Click here for complete release
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