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UNITED STATES SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 10-Q
☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For quarterly period ended September 30, 2024
☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For transition period from __________ to __________

Commission File Number: 001-15393

HEARTLAND FINANCIAL USA, INC.
(Exact name of Registrant as specified in its charter)
Delaware
(State or other jurisdiction of incorporation or organization)
42-1405748
(I.R.S. employer identification number)
1800 Larimer Street, Suite 1800, Denver, Colorado 80202
(Address of principal executive offices) (Zip Code)
(303) 285-9200
(Registrant's telephone number, including area code)

Securities registered pursuant to Section 12(b) of the Act:
Title of Each ClassTrading SymbolName of each exchange on which registered
Common Stock, par value $1.00 per shareHTLFNasdaq Stock Market
Depositary Shares, each representing 1/400th interest in a share of 7.00% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series EHTLFPNasdaq Stock Market

Indicate by check mark whether the Registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the Registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.   Yes ☒ No ☐
 
Indicate by check mark whether the Registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☒ No ☐
Indicate by check mark whether the Registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer", "accelerated filer", "smaller reporting company" and "emerging growth company" in Rule 12b-2 of the Exchange Act.    
Large accelerated filer☒Accelerated Filer☐
Non-accelerated filer☐Smaller reporting company☐
Emerging growth company☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the Registrant is a shell company (as defined by Rule 12b-2 of the Exchange Act). Yes ☐ No ☒

Indicate the number of shares outstanding of each of the classes of Registrant's common stock as of the latest practicable date:  As of November 4, 2024, the Registrant had outstanding 42,885,498 shares of common stock, $1.00 par value per share.


HEARTLAND FINANCIAL USA, INC.
Form 10-Q Quarterly Report
Table of Contents



PART I
ITEM 1. FINANCIAL STATEMENTS
HEARTLAND FINANCIAL USA, INC.
CONSOLIDATED BALANCE SHEETS
(Dollars in thousands, except per share data)
 September 30, 2024 (Unaudited)December 31, 2023
ASSETS  
Cash and due from banks$228,719 $275,554 
Interest-bearing deposits with other banks and other short-term investments359,675 47,459 
Cash and cash equivalents588,394 323,013 
Time deposits in other financial institutions1,050 1,240 
Securities: 
Carried at fair value (cost of $4,395,743 at September 30, 2024, and $5,100,344 at December 31, 2023)
4,057,335 4,646,891 
Held to maturity, net of allowance for credit losses of $0 at both September 30, 2024, and December 31, 2023 (fair value of $844,296 at September 30, 2024, and $816,399 at December 31, 2023)
839,623 838,241 
Other investments, at cost69,511 91,277 
Loans held for sale— 5,071 
Loans receivable: 
Held to maturity11,440,917 12,068,645 
Allowance for credit losses(106,797)(122,566)
Loans receivable, net11,334,120 11,946,079 
Premises, furniture and equipment, net145,276 177,001 
Premises, furniture and equipment held for sale 9,864 4,069 
Other real estate, net6,805 12,548 
Goodwill576,005 576,005 
Core deposit intangibles, net 14,157 18,415 
Cash surrender value on life insurance199,998 197,085 
Other assets430,155 574,772 
TOTAL ASSETS$18,272,293 $19,411,707 
LIABILITIES AND EQUITY  
LIABILITIES:  
Deposits:  
Demand$4,009,218 $4,500,304 
Savings8,926,192 8,805,597 
Time2,017,806 2,895,813 
Total deposits14,953,216 16,201,714 
Borrowings546,219 622,255 
Term debt373,324 372,396 
Accrued expenses and other liabilities259,161 282,225 
TOTAL LIABILITIES16,131,920 17,478,590 
STOCKHOLDERS' EQUITY:  
Preferred stock (par value $1 per share; authorized 188,500 and 188,500 shares at September 30, 2024, and December 31, 2023; none issued or outstanding at both September 30, 2024, and December 31, 2023)
— — 
Series E Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock (par value $1 per share; 11,500 shares authorized at both September 30, 2024, and December 31, 2023; 11,500 shares issued and outstanding at both September 30, 2024, and December 31, 2023)
110,705 110,705 
Common stock (par value $1 per share; 60,000,000 shares authorized at both September 30, 2024, and December 31, 2023; issued 42,883,865 shares at September 30, 2024, and 42,688,008 shares at December 31, 2023)
42,884 42,688 
Capital surplus1,098,837 1,090,740 
Retained earnings1,252,247 1,141,501 
Accumulated other comprehensive loss (364,300)(452,517)
TOTAL STOCKHOLDERS' EQUITY2,140,373 1,933,117 
TOTAL LIABILITIES AND EQUITY$18,272,293 $19,411,707 
See accompanying notes to consolidated financial statements.



HEARTLAND FINANCIAL USA, INC.
CONSOLIDATED STATEMENTS OF INCOME (Unaudited)
(Dollars in thousands, except per share data)
 Three Months Ended
September 30,		Nine Months Ended
September 30,
 2024202320242023
INTEREST INCOME:  
Interest and fees on loans$192,506 $182,394 $587,328 $505,136 
Interest on securities:
Taxable51,116 54,800 145,511 168,948 
Nontaxable5,979 6,584 18,062 18,990 
Interest on federal funds sold— 3 — 3 
Interest on interest-bearing deposits in other financial institutions4,193 1,651 10,244 4,833 
TOTAL INTEREST INCOME253,794 245,432 761,145 697,910 
INTEREST EXPENSE: 
Interest on deposits82,976 92,744 247,609 231,617 
Interest on borrowings7,378 1,167 25,727 4,437 
Interest on term debt (includes $(247) and $(63) of interest income related to derivatives reclassified from accumulated other comprehensive income for the three months ended September 30, 2024 and 2023, respectively, and $(457) and $638 of interest (income) expense related to derivatives reclassified from accumulated other comprehensive income for the nine months ended September 30, 2024 and 2023, respectively)
5,543 5,765 16,956 16,756 
TOTAL INTEREST EXPENSE95,897 99,676 290,292 252,810 
NET INTEREST INCOME157,897 145,756 470,853 445,100 
Provision for credit losses6,276 1,516 16,270 9,969 
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES151,621 144,240 454,583 435,131 
NONINTEREST INCOME: 
Service charges and fees17,100 18,553 51,127 55,316 
Loan servicing income111 278 349 1,403 
Trust fees5,272 4,734 15,847 15,810 
Brokerage and insurance commissions853 692 2,501 2,065 
Capital markets fees 2,116 1,845 5,003 8,331 
Securities losses, net (includes $(9,299) and $59 of net security (losses) gains reclassified from accumulated other comprehensive income for the three months ended September 30, 2024 and 2023, respectively, and $(19,855) and $(1,370) of net security losses reclassified from accumulated other comprehensive income for the nine months ended September 30, 2024 and 2023, respectively)
(9,520)(114)(19,573)(1,532)
Unrealized gain on equity securities, net377 13 605 165 
Net gains on sale of loans held for sale— 905 104 3,786 
Income on bank owned life insurance1,107 858 3,610 3,042 
Other noninterest income1,576 619 5,289 2,489 
TOTAL NONINTEREST INCOME18,992 28,383 64,862 90,875 
NONINTEREST EXPENSES: 
Salaries and employee benefits62,742 62,262 191,817 186,510 
Occupancy6,318 6,438 19,843 20,338 
Furniture and equipment2,062 2,720 6,554 8,698 
Professional fees17,448 13,616 48,351 41,607 
FDIC insurance assessments3,035 3,313 11,344 9,627 
Advertising1,937 1,633 4,663 6,670 
Core deposit intangibles amortization1,345 1,625 4,258 5,128 
Other real estate and loan collection expenses395 481 1,422 984 
Loss (gain) on sales/valuations of assets, net(26,419)108 (26,012)(2,149)
Acquisition, integration and restructuring costs2,026 2,429 9,374 5,994 
Partnership investment in tax credit projects222 1,136 938 1,828 
Other noninterest expenses14,816 15,292 43,214 46,307 
TOTAL NONINTEREST EXPENSES85,927 111,053 315,766 331,542 
INCOME BEFORE INCOME TAXES84,686 61,570 203,679 194,464 
Income taxes (includes $(5,729) and $9,877 of income tax (expense) benefit reclassified from accumulated other comprehensive income for the three months ended September 30, 2024 and 2023, respectively, and $5,352 and $19,253 of income tax benefit reclassified from accumulated other comprehensive income for the nine months ended September 30, 2024 and 2023, respectively)
20,533 13,479 48,077 44,181 
NET INCOME64,153 48,091 155,602 150,283 
Preferred dividends(2,013)(2,013)(6,038)(6,038)
NET INCOME AVAILABLE TO COMMON STOCKHOLDERS$62,140 $46,078 $149,564 $144,245 
EARNINGS PER COMMON SHARE - BASIC$1.45 $1.08 $3.49 $3.38 
EARNINGS PER COMMON SHARE - DILUTED$1.44 $1.08 $3.47 $3.37 
CASH DIVIDENDS DECLARED PER COMMON SHARE$0.30 $0.30 $0.90 $0.90 
See accompanying notes to consolidated financial statements.


HEARTLAND FINANCIAL USA, INC.
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited)
(Dollars in thousands)
Three Months Ended
September 30,		Nine Months Ended
September 30,
2024202320242023
NET INCOME$64,153 $48,091 $155,602 $150,283 
OTHER COMPREHENSIVE INCOME (LOSS)
Changes in available for sale ("AFS") securities:
Net change in unrealized loss on securities104,064 (128,987)95,190 (106,378)
Reclassification adjustment for net losses (gains) on hedged AFS securities (34,374)36,362 (5,825)65,872 
Reclassification adjustment for net losses (gains) realized in net income9,299 (59)19,855 1,370 
Income tax benefit (expense)(19,715)22,943 (26,968)8,388 
Other comprehensive income (loss) on AFS securities59,274 (69,741)82,252 (30,748)
Changes in securities held to maturity:
Net amortization of unrealized losses on securities transferred from AFS2,707 2,893 8,100 8,401 
Income tax expense(676)(709)(1,799)(2,462)
Other comprehensive income on held to maturity securities2,031 2,184 6,301 5,939 
Change in cash flow hedges:
Net change in unrealized gain on derivatives— — — 1,952 
Reclassification adjustment for net losses (gains) on derivatives realized in net income(247)(63)(457)638 
Income tax benefit (expense)60 22 121 (613)
Other comprehensive income (loss) on cash flow hedges(187)(41)(336)1,977 
Other comprehensive income (loss)61,118 (67,598)88,217 (22,832)
TOTAL COMPREHENSIVE INCOME (LOSS)$125,271 $(19,507)$243,819 $127,451 
See accompanying notes to consolidated financial statements.



HEARTLAND FINANCIAL USA, INC.
CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited)
(Dollars in thousands)
Nine Months Ended
September 30,
 20242023
CASH FLOWS FROM OPERATING ACTIVITIES: 
Net income$155,602 $150,283 
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization13,423 15,467 
Provision for credit losses16,270 9,969 
Net amortization of premium on securities12,670 23,332 
Securities losses, net19,573 1,532 
Unrealized gain on equity securities, net(605)(165)
Stock based compensation8,247 7,742 
Loans originated for sale— (122,764)
Proceeds on sales of loans held for sale5,175 138,603 
Net gains on sale of loans held for sale(104)(3,762)
Decrease (increase) in accrued interest receivable6,967 (9,203)
Decrease in prepaid expenses4,580 964 
(Decrease) increase in accrued interest payable(8,562)46,697 
Capitalization of servicing rights— (24)
(Gain) loss on sales/valuations of assets, net(26,012)(2,149)
Net excess tax expense from stock based compensation(189)(115)
Income from fair value hedge activity772 — 
Other, net105,946 140,670 
NET CASH PROVIDED BY OPERATING ACTIVITIES313,753 397,077 
CASH FLOWS FROM INVESTING ACTIVITIES: 
Purchase of time deposits in other financial institutions190 — 
Proceeds from the sale of securities available for sale128,872 331,196 
Proceeds from the maturity of and principal paydowns on securities available for sale748,070 480,362 
Proceeds from the maturity of and principal paydowns on securities held to maturity7,322 2,325 
Proceeds from the maturity of time deposits in other financial institutions — 250 
Proceeds from the sale, maturity of, redemption of and principal paydowns on other investments50,144 13,255 
Purchase of securities available for sale(204,864)(276,635)
Purchase of other investments(28,096)(28,851)
Net decrease (increase) in loans247,337 (505,924)
Purchase of bank owned life insurance policies(223)(226)
Proceeds from sale of mortgage servicing rights— 6,714 
Capital expenditures and investments(1,199)(5,701)
Proceeds from the sale of premises, furniture and equipment1,955 4,446 
Net cash expended in divestitures(176,764)— 
Proceeds on sale of OREO and other repossessed assets10,224 5,672 
NET CASH PROVIDED BY INVESTING ACTIVITIES782,968 26,883 


HEARTLAND FINANCIAL USA, INC.
CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited)
(Dollars in thousands)
Nine Months Ended
September 30,
 20242023
CASH FLOWS FROM FINANCING ACTIVITIES: 
Net decrease in demand deposits$(359,349)$(908,527)
Net increase (decrease) in savings deposits 404,939 (1,239,480)
Net (decrease) increase in time deposit accounts(762,215)1,735,991 
Net decrease in borrowings(50,545)(285,255)
Proceeds from Bank Term Funding Program advances500,000 — 
Proceeds from short-term FHLB advances643,309 617,391 
Repayments of short-term FHLB advances(1,164,495)(315,619)
Repayments of term debt— (740)
Proceeds from issuance of common stock1,643 1,527 
Dividends paid(44,627)(44,340)
NET CASH USED BY FINANCING ACTIVITIES(831,340)(439,052)
Net increase (decrease) in cash and cash equivalents265,381 (15,092)
Cash and cash equivalents at beginning of year323,013 363,087 
CASH AND CASH EQUIVALENTS AT END OF PERIOD$588,394 $347,995 
Supplemental disclosures: 
Cash paid for income/franchise taxes$25,190 $47,240 
Cash paid for interest299,899 206,113 
Loans transferred to OREO5,215 12,776 
Transfer of premises from premises, furniture and equipment, net, to premises, furniture and equipment held for sale 8,478 4,091 
Transfer of premises from premises, furniture and equipment held for sale to premises, furniture and equipment, net350 5,825 
Dividends declared, not paid 2,434 2,141 
See accompanying notes to consolidated financial statements.



HEARTLAND FINANCIAL USA, INC.
CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY (Unaudited)
(Dollars in thousands, except per share data)
Heartland Financial USA, Inc. Stockholders' Equity
 Preferred
 Stock		Common
 Stock		Capital
 Surplus		Retained
 Earnings		Accumulated Other Comprehensive LossTotal
 Equity
Balance at June 30, 2023$110,705 $42,645 $1,087,358 $1,193,522 $(575,240)$1,858,990 
Comprehensive income (loss)48,091 (67,598)(19,507)
Cash dividends declared:
Preferred, $175.00 per share
(2,013)(2,013)
Common, $0.30 per share
(12,860)(12,860)
Issuance of 11,759 shares of common stock
11 60 71 
Stock based compensation849 849 
Balance at September 30, 2023$110,705 $42,656 $1,088,267 $1,226,740 $(642,838)$1,825,530 
Balance at January 1, 2023$110,705 $42,467 $1,080,964 $1,120,925 $(620,006)$1,735,055 
Comprehensive income (loss)150,283 (22,832)127,451 
Cash dividends declared:
Preferred, $525.00 per share
(6,038)(6,038)
Common, $0.90 per share
(38,430)(38,430)
Issuance of 188,909 shares of common stock
189 (439)(250)
Stock based compensation7,742 7,742 
Balance at September 30, 2023$110,705 $42,656 $1,088,267 $1,226,740 $(642,838)$1,825,530 
Balance at June 30, 2024$110,705 $42,852 $1,096,619 $1,203,092 $(425,418)$2,027,850 
Comprehensive income (loss)64,153 61,118 125,271 
Cash dividends declared:
Preferred, $175.00 per share
(2,013)(2,013)
Common, $0.30 per share
(12,985)(12,985)
Issuance of 31,685 shares of common stock
32 80 112 
Stock based compensation2,138 2,138 
Balance at September 30, 2024$110,705 $42,884 $1,098,837 $1,252,247 $(364,300)$2,140,373 
Balance at January 1, 2024$110,705 $42,688 $1,090,740 $1,141,501 $(452,517)$1,933,117 
Comprehensive income (loss)155,602 88,217 243,819 
Cash dividends declared:
Preferred, $525.00 per share
(6,038)(6,038)
Common, $0.90 per share
(38,818)(38,818)
Issuance of 195,857 shares of common stock
196 (150)46 
Stock based compensation8,247 8,247 
Balance at September 30, 2024$110,705 $42,884 $1,098,837 $