2018 Annual Meeting Presentation

2018 Annual Meeting Presentation

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Heartland Financial USA, Inc. Reports 2015 Fourth Quarter and Annual Results

Net Interest Margin as a Percentage of Average Earnings Assets and in Dollars Increases

Heartland Financial USA, Inc. (NASDAQ: HTLF) today reported net income available to common stockholders of $14.4 million, or $0.67 per diluted common share, for the quarter ended December 31, 2015, compared to $12.1 million, or $0.64 per diluted common share, for the fourth quarter of 2014. Return on average common equity was 10.69% and return on average assets was 0.79% for the fourth quarter of 2015, compared to 11.77% and 0.80%, respectively, for the same quarter in 2014.