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Jun 30, 2022

Heartland Financial Q2 2022 Earnings Report

Reported excellent results driven by loan growth, solid credit metrics, and improved efficiency.

Key Takeaways

Heartland Financial reported excellent second-quarter results with significant loan growth, solid credit metrics, and an improved efficiency ratio. Net income available to common stockholders was $49.9 million, and diluted earnings per common share were $1.17.

Quarterly loan growth of $551.9 million or 5%, exclusive of Paycheck Protection Program (PPP) loans.

Quarterly net income available to common stockholders of $49.9 million.

Efficiency ratio of 57.66%.

Diluted earnings per common share of $1.17.

Total Revenue
$177M
Previous year: $174M
+1.5%
EPS
$1.17
Previous year: $1.41
-17.0%
Net Interest Margin
3.18%
Previous year: 3.37%
-5.6%
Return on Average Assets
1.06%
Previous year: 1.35%
-21.5%
Return on Average Common Equity
11.55%
Previous year: 12.07%
-4.3%
Gross Profit
$142M
Previous year: $174M
-18.2%
Cash and Equivalents
$385M
Previous year: $449M
-14.3%
Free Cash Flow
$99.1M
Previous year: $79.3M
+25.0%
Total Assets
$19.7B
Previous year: $18.4B
+7.0%

Heartland Financial

Heartland Financial

Forward Guidance

HTLF's second quarter results were excellent and exceeded our expectations. Our tremendous loan growth, solid credit metrics and an improved efficiency ratio are attributable to the continued execution of our growth strategies and provide strong momentum going into the third quarter.