Heartland Financial USA, Inc. (HTLF) Q2 2023 Earnings Call Transcript

Heartland Financial USA, Inc. (NASDAQ:HTLF) Q2 2023 Earnings Conference Call July 31, 2023 5:00 PM ET

Company Participants

Bruce Lee – President & Chief Executive Office

Bryan McKeag – Chief Financial Office

Nathan Jones – Chief Credit Officer

Conference Call Participants

Jeff Rulis – D.A. Davidson

David Long – Raymond James

Andrew Liesch – Piper Sandler

Terence McEvoy – Stephens

Damon DelMonte – KBW


Greetings, and welcome to HTLF’s 2023 Second Quarter Conference Call. This afternoon, HTLF announced its second quarter financial results, and hopefully, you’ve had a chance to review the earnings release that is available on HTLF’s website @htlf.com. With us today from management are Bruce Lee, President and CEO; Bryan McKeag, Chief Financial Officer; and Nathan Jones, Chief Credit Officer. Management will provide a summary of the quarter, and then we will open the call to your questions.

Before we begin the presentation, I would like to remind everyone that some of the information provided today falls under the guidelines of forward-looking statements as defined by the Securities and Exchange Commission. As part of these guidelines, any statements made during this presentation concerning the company’s hopes, beliefs, expectations and predictions of the future are forward-looking statements, and actual results could differ materially from those projected. Additional information on these factors is included from time to time in the company’s 10-K and 10-Q filings, which may be obtained on the company’s or the SEC’s websites.

I will now turn the call over to Mr. Bruce Lee, HTLF President and CEO. Please go ahead, Mr. Lee.

Bruce Lee

Thank you, Abigail. Good afternoon, everyone. This is Bruce Lee, President and CEO. Welcome to HTLF’s 2023 Second Quarter Earnings Conference Call. I appreciate you joining us today as we discuss our solid performance and momentum heading into the second half of the year. For the next few

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