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

Heartland Monetary USA, Inc. (NASDAQ:HTLF) Q2 2023 Earnings Convention Name July 31, 2023 5:00 PM ET

Firm Contributors

Bruce Lee – President & Chief Govt Workplace

Bryan McKeag – Chief Monetary Workplace

Nathan Jones – Chief Credit score Officer

Convention Name Contributors

Jeff Rulis – D.A. Davidson

David Lengthy – Raymond James

Andrew Liesch – Piper Sandler

Terence McEvoy – Stephens

Damon DelMonte – KBW

Operator

Greetings, and welcome to HTLF’s 2023 Second Quarter Convention Name. This afternoon, HTLF introduced its second quarter monetary outcomes, and hopefully, you have had an opportunity to assessment the earnings launch that’s accessible on HTLF’s web site @htlf.com. With us as we speak from administration are Bruce Lee, President and CEO; Bryan McKeag, Chief Monetary Officer; and Nathan Jones, Chief Credit score Officer. Administration will present a abstract of the quarter, after which we’ll open the decision to your questions.

Earlier than we start the presentation, I wish to remind everybody that among the info supplied as we speak falls below the rules of forward-looking statements as outlined by the Securities and Alternate Fee. As a part of these tips, any statements made throughout this presentation in regards to the firm’s hopes, beliefs, expectations and predictions of the longer term are forward-looking statements, and precise outcomes might differ materially from these projected. Extra info on these components is included on occasion within the firm’s 10-Okay and 10-Q filings, which can be obtained on the corporate’s or the SEC’s web sites.

I’ll now flip the decision over to Mr. Bruce Lee, HTLF President and CEO. Please go forward, Mr. Lee.

Bruce Lee

Thanks, Abigail. Good afternoon, everybody. That is Bruce Lee, President and CEO. Welcome to HTLF’s 2023 Second Quarter Earnings Convention Name. I admire you becoming a member of us as we speak as we talk about our stable efficiency and momentum heading into the second half of the yr. For the subsequent few

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