Wealth Management Group Perspective Market Commentary 8.27.10 Market Commentary 8.26.10 Market Commentary 7.7.10 Market Commentary 6.18.10 Market Commentary 3.2.10 Market Commentary 2.16.10

Heartland Financial USA, Inc. Reports Second Quarter 2010 Earnings Second Quarter 2010 Highlights  Net income of $5.1 million for the quarter Net interest margin of 4.09% for the quarter Net interest income increased $3.4 million or 11% over the second quarter of 2009 Nonperforming assets not covered by loss share agreements increased $10.9 million during the quarter to $118.0 million Allowance for loan and lease losses increased during the quarter from 1.96% to 2.03% of total loans and leases Click here for complete release Heartland Financial USA, Inc. Final Proxy