•
Sep 30, 2022

Heartland Financial Q3 2022 Earnings Report

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

Key Takeaways

Heartland Financial reported a net income available to common stockholders of $54.6 million for the quarter ended September 30, 2022, compared to $53.9 million for the same period in 2021. Diluted earnings per common share increased to $1.28 from $1.27. The company's efficiency ratio improved, and it experienced solid loan growth.

Quarterly loan growth of $254.8 million or 2%, exclusive of Paycheck Protection Program ("PPP") loans

Total revenue growth of $8.1 million or 5% during the quarter to $185.1 million

Quarterly net income available to common stockholders of $54.6 million

Efficiency ratio of 55.26%

Total Revenue
$185M
Previous year: $175M
+5.6%
EPS
$1.28
Previous year: $1.27
+0.8%
Net Interest Margin
3.41%
Previous year: 3.3%
+3.3%
Return on Average Assets
1.13%
Previous year: 1.19%
-5.0%
Return on Average Common Equity
12.93%
Previous year: 10.32%
+25.3%
Cash and Equivalents
$400M
Previous year: $327M
+22.1%
Free Cash Flow
$121M
Previous year: $75.1M
+60.5%
Total Assets
$19.7B
Previous year: $19B
+3.6%

Heartland Financial

Heartland Financial