HEARTLAND FINANCIAL USA INC - FORM 8-K - EX-99.1 - EXHIBIT

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8-K - 8-K - HEARTLAND FINANCIAL USA INC	q320148kcoverpage.htm



CONTACT:	FOR IMMEDIATE RELEASE
Bryan R. McKeag	October 27, 2014
Executive Vice President
Chief Financial Officer
(563) 589-1994
bmckeag@htlf.com

HEARTLAND FINANCIAL USA, INC. REPORTS THIRD QUARTER 2014 RESULTS

Quarterly Highlights



§	Net income available to common stockholders of $11.8 million or $0.63 per diluted common share
§	Return on average common equity of 11.86%
§	Net interest margin at 3.96%
§	Loan growth of $103.6 million or 11% annualized since June 30, 2014
§	Ratio of nonperforming assets to total assets of 0.85%, the lowest since 2007
§	Announced name change for Riverside Community Bank to Illinois Bank & Trust and plans to merge Galena State Bank & Trust Co. into Illinois Bank & Trust
§	Announced merger agreement with Community Banc-Corp of Sheboygan, Inc.



	Quarter Ended September 30,						Nine Months Ended September 30,
	2014			2013			2014			2013
Net income (in millions)	$	12.0		$	6.8		$	29.6		$	28.9
Net income available to common stockholders (in millions)	11.8			6.5			29.0			28.0
Diluted earnings per common share	0.63			0.38			1.55			1.63

Return on average assets	0.79		%	0.53		%	0.67		%	0.76		%
Return on average common equity	11.86			8.38			10.21			11.63
Net interest margin	3.96			3.81			3.97			3.77



“Heartland reported an excellent third quarter, with net income available to common stockholders of $11.8 million, an 80 percent increase over earnings of $6.5 million in the third quarter last year.” Lynn B. Fuller, chairman, president and chief executive officer, Heartland Financial USA, Inc.

Dubuque, Iowa, Monday, October 27, 2014-Heartland Financial USA, Inc. (NASDAQ: HTLF) today reported net income available to common stockholders of $11.8 million, or $0.63 per diluted common share, for the quarter ended September 30, 2014, compared to $6.5 million, or $0.38 per diluted common share, for the third quarter of 2013. Return on average common equity was 11.86% and return on average assets was 0.79% for the third quarter of 2014, compared to 8.38% and 0.53%, respectively, for the same quarter in 2013.

Positively affecting net income for the quarter as compared to the same quarter last year was a $11.6 million increase in net interest income, largely due to strong loan growth and the acquisition of Morrill & Janes Bank and Trust Company completed during the last quarter of 2013. This improvement was partially offset by a $7.4 million increase in noninterest expenses, primarily due to the added expenses at Morrill & Janes Bank and Trust Company.

Commenting on Heartland’s third quarter results, Lynn B. Fuller, Heartland’s chairman, president and chief executive officer said, “Heartland reported an excellent third quarter, with net income available to common stockholders of $11.8 million, an 80 percent increase over earnings of $6.5 million in the third quarter last year.”

Net income available to common stockholders for the first nine months of 2014 was $29.0 million, or $1.55 per diluted common share, compared to $28.0 million, or $1.63 per diluted common share, recorded during the first nine months of 2013. Return on average common equity was 10.21% and return on average assets was 0.67% for the first nine months of 2014, compared to 11.63% and 0.76%, respectively, for the same period in 2013.

Subsequent to the quarter-end, Heartland entered into a merger agreement with Community Banc-Corp of Sheboygan, Inc., the parent company of Community Bank & Trust in Sheboygan, Wisconsin. Under the agreement, Heartland will acquire Community Banc-Corp in an all stock transaction expected to close during the first quarter of 2015. Simultaneous with the closing, Community Bank & Trust will be merged into Heartland's Wisconsin Bank & Trust subsidiary. Community Bank & Trust had total assets of $525 million as of September 30, 2014. Upon completion of this merger, Wisconsin will become Heartland's third state with banking assets greater than $1 billion.

Net Interest Margin Increases in Dollars; Net Interest Margin As Percentage Remains Steady

Net interest margin, expressed as a percentage of average earning assets, was 3.96% during the third quarter of 2014 compared to 4.04% during the second quarter of 2014 and 3.81% during the third quarter of 2013.

Fuller said, “Heartland’s net interest margin of 3.96 percent for the quarter was 15 basis points higher than the 3.81 percent reported for the same quarter last year, reflecting solid loan growth and a decline in our cost of funds.”

Interest income increased $11.7 million or 24% to $60.1 million in the third quarter of 2014 from the $48.4 million recorded in the third quarter of 2013. After adjustment to add $2.6 million for the third quarter of 2014 and $2.4 million for the third quarter of 2013 for income taxes saved on the interest earned on nontaxable securities and loans, on a tax-equivalent basis, interest income in the third quarter of 2014 was $62.7 million compared to $50.8 million in the third quarter of 2013. The increase in interest income in the third quarter of 2014, as compared to the third quarter of 2013, was primarily due to an increase in average earning assets combined with a small increase in the interest rate earned on those assets. The average interest rate earned on total earning assets was 4.59% during the third quarter of 2014 compared to 4.58% during the third quarter of 2013. Average earning assets increased $1.03 billion or 23% during the third quarter of 2014 compared to the third quarter of 2013, with approximately $810.7 million attributable to the Morrill & Janes Bank and Trust Company acquisition completed during the fourth quarter of 2013.

Interest expense for the third quarter of 2014 was $8.6 million, an increase of $100,000 or 1% from $8.5 million in the third quarter of 2013. Even though average interest bearing liabilities increased $686.3 million or 20% for the quarter ended September 30, 2014, as compared to the same quarter in 2013, the average interest rate paid on Heartland's interest bearing deposits and borrowings declined 16 basis points decreasing from 0.99% in the third quarter of 2013 to 0.83% in the third quarter of 2014. Contributing to this improvement in interest expense was a continued favorable change in the mix of deposits. Average savings balances, the lowest cost interest-bearing deposits, as a percentage of total average interest bearing deposits were 75% during the third quarter of 2014, compared to 71% for the third quarter of 2013. The average interest rate paid on savings deposits was 0.31% during the third quarter of 2014 compared to 0.30% during the third quarter of 2013 and the average interest rate paid on time deposits was 1.22% during the third quarter of 2014 compared to 1.59% during the third quarter of 2013.

Net interest income increased $11.6 million or 29% to $51.5 million in the third quarter of 2014 from the $39.9 million recorded in the third quarter of 2013. Net interest income on a tax-equivalent basis totaled $54.1 million during the

third quarter of 2014, an increase of $11.8 million or 28% from the $42.3 million recorded during the third quarter of 2013.

Noninterest Income Remains Steady; Noninterest Expenses Increase

Noninterest income of $20.2 million during the third quarter of 2014 was consistent with the $20.4 million recorded during the third quarter of 2013.

For the third quarter of 2014, noninterest expense totaled $54.2 million, an increase of $7.4 million or 16% from the same quarter of 2013, partially due to $4.9 million of expenses at the Morrill & Janes Bank and Trust Company, which was acquired during the last quarter of 2013. Included in the 2014 third quarter noninterest expenses were $1.4 million in costs associated with partnership investments in a commercial and a residential real estate project, both of which qualify for historic rehabilitation tax credits. These credits are included as a reduction to income tax expense as further described below. The net result of these transactions positively impacted net income and negatively impacted the efficiency ratio. Excluding the effect of the acquisition and the costs associated with tax credit investments, noninterest expenses increased $1.1 million or 2% during the third quarter of 2014 in comparison to the third quarter of 2013.

Heartland's effective tax rate was 19.58% for the third quarter of 2014 compared to 17.97% for the third quarter of 2013. Included in Heartland's income taxes for the third quarter of 2014 were federal historic rehabilitation tax credits totaling $1.8 million associated with Heartland's ownership interest in qualifying real estate projects. Federal low-income housing tax credits included in Heartland's income taxes totaled $166,000 during the third quarter of 2014 compared to $200,000 during the third quarter of 2013. Heartland's effective tax rate is also affected by the level of tax-exempt interest income which, as a percentage of pre-tax income, was 32.59% during the third quarter of 2014 compared to 53.31% during the third quarter of 2013. The tax-equivalent adjustment for this tax-exempt interest income was $2.6 million during the third quarter of 2014 compared to $2.4 million during the third quarter of 2013.

Increase in Loans and Deposits

Total assets were $5.93 billion at September 30, 2014, an increase of $11.1 million since year-end 2013. Securities represented 28% of total assets at September 30, 2014, compared to 32% at year-end 2013.

Total loans and leases held to maturity were $3.80 billion at September 30, 2014, compared to $3.50 billion at year-end 2013, an increase of $301.4 million or 11% annualized, with $103.6 million of this growth occurring in the third quarter, $117.0 million in the second quarter and $80.8 million during the first quarter. A majority of the year-to-date growth occurred in the commercial and commercial real estate loan portfolio, which increased $229.7 million or 12% annualized since year-end 2013, with $59.0 million of this growth occurring during the third quarter, $102.9 million during the second quarter and $67.8 million during the first quarter.

Fuller commented, “For the quarter, loans increased by $104 million, growing at an annualized rate of 11 percent. Over the last five quarters, Heartland has experienced organic loan growth of $549 million. Considering our peers have been reporting significantly lower loan growth, we are very gratified by our results. With loan growth as our top priority, we are very pleased with both the quality and quantity of loan growth and commend our commercial and business banking teams for these excellent results.”

Total deposits were $4.73 billion as of September 30, 2014, compared to $4.67 billion at year-end 2013, an increase of $60.2 million or 2% annualized. Demand deposits totaled $1.27 billion at September 30, 2014, an increase of $35.9 million or 4% annualized since year-end 2013. Also increasing during the first nine months of 2014, savings deposits grew to $2.60 billion, an increase of $64.6 million or 3% annualized. Certificates of deposit totaled $852.4 million at September 30, 2014, a decrease of $40.2 million or 6% annualized.

“We continue to see growth in no-cost checking and low-cost savings and money market deposits. The favorable shift in deposit mix continues with these non-time categories now representing 82 percent of total deposits,” Fuller added.

Decrease in Nonperforming Assets; Decrease in Provision for Loan Losses

Nonperforming loans, exclusive of those covered under the loss sharing agreements, were $30.1 million or 0.79% of total loans and leases at September 30, 2014, compared to $42.4 million or 1.21% of total loans and leases at December 31, 2013. Approximately 34%, or $10.1 million, of Heartland's nonperforming loans have individual loan balances exceeding $1.0 million, the largest of which is $3.8 million. These nonperforming loans, to an aggregate of four

borrowers, are spread over three different industry classifications with 66% located in Heartland's Western markets and the remainder in the Midwest.

Other real estate owned was $20.5 million at September 30, 2014, compared to $29.9 million at December 31, 2013. Liquidation strategies have been identified for all the assets held in other real estate owned. Management continues to market these properties through an orderly liquidation process instead of a quick liquidation process in order to avoid discounts greater than the projected carrying costs.

The allowance for loan and lease losses at September 30, 2014, was 1.10% of loans and leases and 138.40% of nonperforming loans compared to 1.19% of loans and leases and 98.27% of nonperforming loans at December 31, 2013. The provision for loan losses was $2.6 million for the third quarter of 2014 compared to $5.1 million for the third quarter of 2013.

Net charge-offs on loans during the third quarter of 2014 were $1.7 million compared to $1.5 million during the third quarter of 2013.

“We are also very pleased with the steady improvement in our level of nonperforming assets over the past year. Since last year’s third quarter, we have seen a decline of nearly $30 million in nonperforming assets. Over the last twelve months we’ve reduced nonperforming assets by 78 basis points, falling to .85 percent of total assets and approaching the lowest level we’ve seen in nearly seven years,” Fuller concluded.

Conference Call Details

Heartland will host a conference call for investors at 5:00 p.m. EDT today. To participate, dial 877-407-0781 at least five minutes before start time. To listen to the live webcast, log on to www.htlf.com at least 15 minutes before start time. If you are unable to participate on the call, a replay will be available until October 26, 2015, by logging on to www.htlf.com.

About Heartland Financial USA, Inc.

Heartland Financial USA, Inc. is a $5.9 billion diversified financial services company providing banking, mortgage, wealth management, investment, insurance and consumer finance services to individuals and businesses. Heartland currently has 77 banking locations in 57 communities in Iowa, Illinois, Wisconsin, New Mexico, Arizona, Montana, Colorado, Minnesota, Kansas and Missouri and loan production offices in California, Nevada, Wyoming, Idaho, North Dakota, Oregon, Washington and Nebraska. Additional information about Heartland Financial USA, Inc. is available at www.htlf.com.

Safe Harbor Statement

This release, and future oral and written statements of Heartland and its management, may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 about Heartland's financial condition, results of operations, plans, objectives, future performance and business. Although these forward-looking statements are based upon the beliefs, expectations and assumptions of Heartland's management, there are a number of factors, many of which are beyond the ability of management to control or predict, that could cause actual results to differ materially from those in its forward-looking statements. These factors, which are detailed in the risk factors included in Heartland's Annual Report on Form 10-K filed with the Securities and Exchange Commission, include, among others: (i) the strength of the local and national economy; (ii) the economic impact of past and any future terrorist threats and attacks and any acts of war, (iii) changes in state and federal laws, regulations and governmental policies concerning the Company's general business; (iv) changes in interest rates and prepayment rates of the Company's assets; (v) increased competition in the financial services sector and the inability to attract new customers; (vi) changes in technology and the ability to develop and maintain secure and reliable electronic systems; (vii) the potential impact of acquisitions, (viii) the loss of key executives or employees; (ix) changes in consumer spending; (x) unexpected outcomes of existing or new litigation involving the Company; and (xi) changes in accounting policies and practices. All statements in this release, including forward-looking statements, speak only as of the date they are made, and Heartland undertakes no obligation to update any statement in light of new information or future events.

-FINANCIAL TABLES FOLLOW-

###



HEARTLAND FINANCIAL USA, INC.
CONSOLIDATED FINANCIAL HIGHLIGHTS (Unaudited)
DOLLARS IN THOUSANDS, EXCEPT PER SHARE DATA
	For the Quarter Ended September 30,						For the Nine Months Ended September 30,
	2014			2013			2014			2013
Interest Income
Interest and fees on loans and leases	$	49,311		$	40,154		$	143,796		$	119,707
Interest on securities:
Taxable	7,547			4,803			22,755			14,174
Nontaxable	3,249			3,443			10,079			10,001
Interest on federal funds sold	1			—			1			—
Interest on deposits in other financial institutions	6			3			20			9
Total Interest Income	60,114			48,403			176,651			143,891
Interest Expense
Interest on deposits	4,655			4,769			14,010			14,911
Interest on short-term borrowings	227			131			655			387
Interest on other borrowings	3,741			3,623			11,084			11,122
Total Interest Expense	8,623			8,523			25,749			26,420
Net Interest Income	51,491			39,880			150,902			117,471
Provision for loan and lease losses	2,553			5,149			11,635			7,648
Net Interest Income After Provision for Loan and Lease Losses	48,938			34,731			139,267			109,823
Noninterest Income
Service charges and fees	4,857			4,487			15,007			12,775
Loan servicing income	1,319			598			4,223			865
Trust fees	3,194			2,918			9,747			8,764
Brokerage and insurance commissions	1,044			1,277			3,325			3,315
Securities gains, net	825			1,118			2,460			6,612
Gain (loss) on trading account securities	—			263			(38		)	839
Gains on sale of loans held for sale	8,384			8,637			23,559			34,842
Loss on sales/valuations of repossessed assets, net	(444		)	(339		)	(1,365		)	(2,440		)
Valuation adjustment on mortgage servicing rights	—			—			—			496
Income on bank owned life insurance	371			409			1,073			1,129
Other noninterest income	612			1,011			1,635			2,407
Total Noninterest Income	20,162			20,379			59,626			69,604
Noninterest Expense
Salaries and employee benefits	33,546			28,847			98,428			88,103
Occupancy	3,807			3,387			11,841			9,796
Furniture and equipment	2,033			1,917			6,008			6,033
Professional fees	4,429			4,486			13,169			12,262
FDIC insurance assessments	888			745			2,848			2,508
Advertising	1,383			1,360			4,082			3,836
Intangible assets amortization	521			196			1,736			594
Other real estate and loan collection expenses	215			730			1,785			2,446
Other noninterest expenses	7,389			5,140			20,590			14,642
Total Noninterest Expense	54,211			46,808			160,487			140,220
Income Before Income Taxes	14,889			8,302			38,406			39,207
Income taxes	2,916			1,492			8,769			10,289
Net Income	11,973			6,810			29,637			28,918
Net income attributable to noncontrolling interest, net of tax	—			—			—			(64		)
Net Income Attributable to Heartland	11,973			6,810			29,637			28,854
Preferred dividends and discount	(205		)	(276		)	(613		)	(889		)
Net Income Available to Common Stockholders	$	11,768		$	6,534		$	29,024		$	27,965
Earnings per common share-diluted	$	0.63		$	0.38		$	1.55		$	1.63
Weighted average shares outstanding-diluted	18,752,748			17,221,154			18,742,950			17,183,219



HEARTLAND FINANCIAL USA, INC.
CONSOLIDATED FINANCIAL HIGHLIGHTS (Unaudited)
DOLLARS IN THOUSANDS, EXCEPT PER SHARE DATA
	For the Quarter Ended
	9/30/2014			6/30/2014			3/31/2014			12/31/2013			9/30/2013
Interest Income
Interest and fees on loans and leases	$	49,311		$	48,101		$	46,384		$	44,995		$	40,154
Interest on securities:
Taxable	7,547			7,447			7,761			7,327			4,803
Nontaxable	3,249			3,708			3,122			3,294			3,443
Interest on federal funds sold	1			—			—			1			—
Interest on deposits in other financial institutions	6			7			7			3			3
Total Interest Income	60,114			59,263			57,274			55,620			48,403
Interest Expense
Interest on deposits	4,655			4,577			4,778			5,057			4,769
Interest on short-term borrowings	227			202			226			421			131
Interest on other borrowings	3,741			3,685			3,658			3,785			3,623
Total Interest Expense	8,623			8,464			8,662			9,263			8,523
Net Interest Income	51,491			50,799			48,612			46,357			39,880
Provision for loan and lease losses	2,553			2,751			6,331			2,049			5,149
Net Interest Income After Provision for Loan and Lease Losses	48,938			48,048			42,281			44,308			34,731
Noninterest Income
Service charges and fees	4,857			5,254			4,896			4,885			4,487
Loan servicing income	1,319			1,393			1,511			783			598
Trust fees	3,194			3,343			3,210			2,944			2,918
Brokerage and insurance commissions	1,044			1,158			1,123			1,246			1,277
Securities gains, net	825			854			781			509			1,118
Gain (loss) on trading account securities	—			—			(38		)	582			263
Gains on sale of loans held for sale	8,384			8,796			6,379			5,353			8,637
Loss on sales/valuations of repossessed assets, net	(444		)	(798		)	(123		)	(359		)	(339		)
Valuation adjustment on mortgage servicing rights	—			—			—			—			—
Income on bank owned life insurance	371			339			363			426			409
Other noninterest income	612			398			625			846			1,011
Total Noninterest Income	20,162			20,737			18,727			17,215			20,379
Noninterest Expense
Salaries and employee benefits	33,546			32,563			32,319			30,121			28,847
Occupancy	3,807			3,984			4,050			3,663			3,387
Furniture and equipment	2,033			2,085			1,890			2,007			1,917
Professional fees	4,429			4,214			4,526			5,270			4,486
FDIC insurance assessments	888			980			980			1,036			745
Advertising	1,383			1,511			1,188			1,458			1,360
Intangible assets amortization	521			591			624			469			196
Other real estate and loan collection expenses	215			518			1,052			1,999			730
Other noninterest expenses	7,389			7,415			5,786			7,519			5,140
Total Noninterest Expense	54,211			53,861			52,415			53,542			46,808
Income Before Income Taxes	14,889			14,924			8,593			7,981			8,302
Income taxes	2,916			4,150			1,703			46			1,492
Net Income	11,973			10,774			6,890			7,935			6,810
Net income attributable to noncontrolling interest, net of tax	—			—			—			—			—
Net Income Attributable to Heartland	11,973			10,774			6,890			7,935			6,810
Preferred dividends and discount	(205		)	(204		)	(204		)	(204		)	(276		)
Net Income Available to Common Stockholders	$	11,768		$	10,570		$	6,686		$	7,731		$	6,534
Earnings per common share-diluted	$	0.63		$	0.56		$	0.36		$	0.42		$	0.38
Weighted average shares outstanding-diluted	18,752,748			18,746,735			18,724,936			18,360,470			17,221,154



HEARTLAND FINANCIAL USA, INC.
CONSOLIDATED FINANCIAL HIGHLIGHTS (Unaudited)
DOLLARS IN THOUSANDS, EXCEPT PER SHARE DATA
	As Of
	9/30/2014			6/30/2014			3/31/2014			12/31/2013			9/30/2013
Assets
Cash and due from banks	$	63,400		$	98,613		$	84,744		$	118,441		$	160,225
Federal funds sold and other short-term investments	4,436			4,047			3,884			6,829			4,783
Cash and cash equivalents	67,836			102,660			88,628			125,270			165,008
Time deposits in other financial institutions	2,605			3,105			3,355			3,355			3,605
Securities:
Trading, at fair value	—			—			—			1,801			1,219
Available for sale, at fair value	1,369,703			1,412,809			1,400,756			1,633,902			1,374,180
Held to maturity, at cost	255,312			257,217			257,927			237,498			53,841
Other investments, at cost	20,514			20,932			18,755			21,843			17,430
Loans held for sale	93,054			87,173			54,862			46,665			61,326
Loans and leases:
Held to maturity	3,798,305			3,694,734			3,577,776			3,496,952			2,901,706
Loans covered by loss share agreements	3,850			4,379			5,466			5,749			5,876
Allowance for loan and lease losses	(41,698		)	(40,892		)	(38,573		)	(41,685		)	(41,311		)
Loans and leases, net	3,760,457			3,658,221			3,544,669			3,461,016			2,866,271
Premises, furniture and equipment, net	132,240			133,127			135,054			135,714			129,029
Other real estate, net	20,475			24,395			28,083			29,852			33,018
Goodwill	35,583			35,583			35,583			35,583			30,627
Other intangible assets, net	33,399			32,732			32,690			32,959			23,435
Cash surrender value on life insurance	82,224			81,840			81,486			81,110			79,238
FDIC indemnification asset	83			124			190			249			795
Other assets	61,324			64,000			65,064			76,899			73,708
Total Assets	$	5,934,809		$	5,913,918		$	5,747,102		$	5,923,716		$	4,912,730
Liabilities and Equity
Liabilities
Deposits:
Demand	$	1,274,439		$	1,221,703		$	1,195,457		$	1,238,581		$	1,073,688
Savings	2,599,850			2,556,784			2,582,166			2,535,242			2,043,397
Time	852,430			862,995			885,741			892,676			807,913
Total deposits	4,726,719			4,641,482			4,663,364			4,666,499			3,924,998
Short-term borrowings	348,305			420,494			256,250			408,756			224,048
Other borrowings	334,513			329,715			334,916			350,109			322,538
Accrued expenses and other liabilities	41,873			49,806			35,237			58,892			44,543
Total Liabilities	5,451,410			5,441,497			5,289,767			5,484,256			4,516,127
Stockholders' Equity
Preferred equity	81,698			81,698			81,698			81,698			81,698
Common stock	18,477			18,468			18,455			18,399			16,953
Capital surplus	94,393			93,334			92,199			91,632			52,641
Retained earnings	288,555			278,632			269,908			265,067			259,172
Accumulated other comprehensive income (loss)	276			289			(4,903		)	(17,336		)	(13,819		)
Treasury stock at cost	—			—			(22		)	—			(42		)
Total Heartland Stockholders' Equity	483,399			472,421			457,335			439,460			396,603
Noncontrolling interest	—			—			—			—			—
Total Equity	483,399			472,421			457,335			439,460			396,603
Total Liabilities and Equity	$	5,934,809		$	5,913,918		$	5,747,102		$	5,923,716		$	4,912,730



HEARTLAND FINANCIAL USA, INC
CONSOLIDATED FINANCIAL HIGHLIGHTS (Unaudited)
DOLLARS IN THOUSANDS, EXCEPT PER SHARE DATA
	For the Quarter Ended September 30,						For the Nine Months Ended September 30,
	2014			2013			2014			2013
Average Balances
Assets	$	5,882,792		$	4,901,972		$	5,818,160		$	4,907,436
Loans and leases, net of unearned	3,812,218			2,937,508			3,692,718			2,906,970
Deposits	4,710,177			3,861,624			4,670,070			3,845,120
Earning assets	5,426,336			4,396,140			5,342,481			4,420,699
Interest bearing liabilities	4,099,526			3,413,205			4,093,520			3,418,956
Common stockholders' equity	393,740			309,472			380,165			321,511
Total stockholders' equity	475,438			391,170			461,863			404,417
Tangible common stockholders' equity	348,423			276,511			334,131			288,349

Earnings Performance Ratios
Annualized return on average assets	0.79		%	0.53		%	0.67		%	0.76		%
Annualized return on average common equity	11.86		%	8.38		%	10.21		%	11.63		%
Annualized return on average common tangible equity	13.40		%	9.38		%	11.61		%	12.97		%
Annualized net interest margin⁽¹⁾	3.96		%	3.81		%	3.97		%	3.77		%
Efficiency ratio, fully taxable equivalent⁽²⁾	72.67		%	75.35		%	73.10		%	73.51		%

(1) Computed on a tax equivalent basis using an effective tax rate of 35%.
(2) Efficiency ratio, fully taxable equivalent, is noninterest expense, divided by the sum of taxable equivalent net interest income plus noninterest income, excluding investment securities gains (losses), loss on sales/valuations of repossessed assets, net, and intangible assets amortization. This efficiency ratio is presented on a taxable equivalent basis, which adjusts net interest income for the tax-favored status of certain loans and investment securities. Management believes this measure to be the preferred industry measurement of net interest income as it enhances the comparability of net interest income arising from taxable and tax-exempt sources, and it excludes certain specific revenue items (such as investment securities gains (losses), net, and loss on sales/valuations of repossessed assets, net). This is a non-GAAP measure.



HEARTLAND FINANCIAL USA, INC.
CONSOLIDATED FINANCIAL HIGHLIGHTS (Unaudited)
DOLLARS IN THOUSANDS, EXCEPT PER SHARE DATA
	For the Quarter Ended
	9/30/2014			6/30/2014			3/31/2014			12/31/2013			9/30/2013
Average Balances
Assets	$	5,882,792		$	5,800,104		$	5,770,350		$	5,604,487		$	4,901,972
Loans and leases, net of unearned	3,812,218			3,692,159			3,571,127			3,341,252			2,937,508
Deposits	4,710,177			4,665,993			4,633,192			4,512,170			3,861,624
Earning assets	5,426,336			5,321,149			5,278,331			5,061,822			4,396,140
Interest bearing liabilities	4,099,526			4,091,233			4,089,691			3,921,951			3,413,205
Common stockholders' equity	393,740			380,561			365,889			349,056			309,472
Total stockholders' equity	475,438			462,259			447,587			430,754			391,170
Tangible common stockholders' equity	348,423			334,747			318,898			308,802			276,511

Earnings Performance Ratios
Annualized return on average assets	0.79		%	0.73		%	0.47		%	0.55		%	0.53		%
Annualized return on average common equity	11.86		%	11.14		%	7.41		%	8.79		%	8.38		%
Annualized return on average common tangible equity	13.40		%	12.66		%	8.50		%	9.93		%	9.38		%
Annualized net interest margin⁽¹⁾	3.96		%	4.04		%	3.92		%	3.82		%	3.81		%
Efficiency ratio, fully taxable equivalent⁽²⁾	72.67		%	71.75		%	75.00		%	80.61		%	75.35		%

(1) Computed on a tax equivalent basis using an effective tax rate of 35%.
(2) Efficiency ratio, fully taxable equivalent, is noninterest expense, divided by the sum of taxable equivalent net interest income plus noninterest income, excluding investment securities gains (losses), loss on sales/valuations of repossessed assets, net, and intangible assets amortization. This efficiency ratio is presented on a taxable equivalent basis, which adjusts net interest income for the tax-favored status of certain loans and investment securities. Management believes this measure to be the preferred industry measurement of net interest income as it enhances the comparability of net interest income arising from taxable and tax-exempt sources, and it excludes certain specific revenue items (such as investment securities gains (losses), net, and loss on sales/valuations of repossessed assets, net). This is a non-GAAP measure.



HEARTLAND FINANCIAL USA, INC.
CONSOLIDATED FINANCIAL HIGHLIGHTS (Unaudited)
DOLLARS IN THOUSANDS, EXCEPT PER SHARE AND FULL TIME EQUIVALENT EMPLOYEE DATA
	As of and for the Quarter Ended
	9/30/2014			6/30/2014			3/31/2014			12/31/2013			9/30/2013
Common Share Data
Book value per common share	$	21.74		$	21.16		$	20.36		$	19.44		$	18.58
Tangible book value per common share⁽¹⁾	$	19.30		$	18.69		$	17.86		$	16.90		$	16.64
ASC 320 effect on book value per common share	$	0.10		$	0.13		$	(0.16	)	$	(0.82	)	$	(0.66	)
Common shares outstanding, net of treasury stock	18,477,463			18,467,646			18,454,048			18,399,156			16,951,053
Tangible capital ratio⁽²⁾	6.06		%	5.88		%	5.78		%	5.29		%	5.78		%

Loan and Lease Data
Loans held to maturity:
Commercial and commercial real estate	$	2,709,544		$	2,650,517		$	2,547,625		$	2,479,880		$	2,042,995
Residential mortgage	360,309			341,697			365,162			349,349			269,501
Agricultural and agricultural real estate	404,423			389,918			370,348			376,735			324,339
Consumer	326,148			315,234			297,978			294,145			268,112
Unearned discount and deferred loan fees	(2,119		)	(2,632		)	(3,337		)	(3,157		)	(3,241		)
Total loans and leases held to maturity	$	3,798,305		$	3,694,734		$	3,577,776		$	3,496,952		$	2,901,706

Loans covered under loss share agreements:
Commercial and commercial real estate	$	1,188		$	1,208		$	2,292		$	2,314		$	2,402
Residential mortgage	1,762			1,995			2,062			2,280			2,433
Agricultural and agricultural real estate	573			567			502			543			446
Consumer	327			609			610			612			595
Total loans and leases covered under loss share agreements	$	3,850		$	4,379		$	5,466		$	5,749		$	5,876

Other Selected Trend Information
Effective tax rate	19.59		%	27.81		%	19.82		%	0.57		%	17.98		%
Average full time equivalent employees	1,650			1,655			1,678			1,662			1,616
Trust assets under management	$	1,820,612		$	1,859,643		$	1,736,308		$	1,621,970		$	1,535,092
Total Residential Mortgage Loan Applications	$	445,039		$	460,533		$	316,829		$	293,115		$	416,128
Residential Mortgage Loans Originated	$	312,428		$	277,895		$	175,249		$	232,150		$	349,012
Residential Mortgage Loans Sold	$	283,677		$	208,429		$	149,993		$	214,334		$	336,780
Residential Mortgage Loan Servicing Portfolio	$	3,362,717		$	3,198,510		$	3,107,589		$	3,045,893		$	2,887,667

(1) Total common stockholders' equity less goodwill and intangible assets (excluding mortgage servicing rights) divided by common shares outstanding, net of treasury. This is a non-GAAP financial measure but has been included as it is considered to be a critical metric with which to analyze and evaluate financial condition and capital strength.
(2) Total common stockholders' equity less goodwill and intangible assets (excluding mortgage servicing rights) divided by total assets less intangible assets (excluding mortgage servicing rights). This is a non-GAAP financial measure but has been included as it is considered to be a critical metric with which to analyze and evaluate financial condition and capital strength.



HEARTLAND FINANCIAL USA, INC.
CONSOLIDATED FINANCIAL HIGHLIGHTS (Unaudited)
DOLLARS IN THOUSANDS, EXCEPT PER SHARE DATA
	As of and for the Quarter Ended
	9/30/2014			6/30/2014			3/31/2014			12/31/2013			9/30/2013
Allowance for Loan and Lease Losses
Balance, beginning of period	$	40,892		$	38,573		$	41,685		$	41,311		$	37,623
Provision for loan and lease losses	2,553			2,751			6,331			2,049			5,149
Charge-offs on loans not covered by loss share agreements	(2,649		)	(1,392		)	(10,617		)	(3,197		)	(2,454		)
Charge-offs on loans covered by loss share agreements	—			(8		)	(41		)	—			(59		)
Recoveries	894			913			1,215			1,522			1,052
Recoveries on loans covered by loss share agreements	8			55			—			—			—
Balance, end of period	$	41,698		$	40,892		$	38,573		$	41,685		$	41,311

Asset Quality
Not covered under loss share agreements:
Nonaccrual loans	$	30,130		$	29,076		$	31,928		$	42,394		$	47,088
Loans and leases past due ninety days or more as to interest or principal payments	—			—			—			24			—
Other real estate owned	19,873			23,761			28,033			29,794			32,753
Other repossessed assets	506			414			397			397			469
Total nonperforming assets not covered under loss share agreements	$	50,509		$	53,251		$	60,358		$	72,609		$	80,310

Covered under loss share agreements:
Nonaccrual loans	$	297		$	297		$	820		$	783		$	805
Other real estate owned	602			634			50			58			265
Other repossessed assets	—			—			—			—			4
Total nonperforming assets covered under loss share agreements	$	899		$	931		$	870		$	841		$	1,074

Performing troubled debt restructured loans	$	11,994		$	12,076		$	12,548		$	19,353		$	19,371

Nonperforming Assets Activity
Balance, beginning of period	$	54,182		$	61,228		$	73,450		$	81,384		$	76,946
Net loan charge offs	(1,747		)	(432		)	(9,443		)	(1,675		)	(1,461		)
New nonperforming loans	5,911			4,264			5,328			6,981			16,070
Reduction of nonperforming loans⁽¹⁾	(2,679		)	(4,145		)	(3,303		)	(4,951		)	(5,653		)
OREO/Repossessed assets sales proceeds	(4,313		)	(5,878		)	(4,731		)	(6,907		)	(3,444		)
OREO/Repossessed assets writedowns, net	(38		)	(902		)	(80		)	(1,387		)	(1,048		)
Net activity at Citizens Finance Co.	92			47			7			5			(26		)
Balance, end of period	$	51,408		$	54,182		$	61,228		$	73,450		$	81,384

Asset Quality Ratios Excluding Assets Covered Under Loss Share Agreements
Ratio of nonperforming loans and leases to total loans and leases	0.79		%	0.79		%	0.89		%	1.21		%	1.62		%
Ratio of nonperforming assets to total assets	0.85		%	0.90		%	1.06		%	1.23		%	1.63		%
Annualized ratio of net loan charge-offs to average loans and leases	0.18		%	0.05		%	1.07		%	0.20		%	0.20		%
Allowance for loan and lease losses as a percent of loans and leases	1.10		%	1.11		%	1.08		%	1.19		%	1.42		%
Allowance for loan and lease losses as a percent of nonperforming loans and leases	138.40		%	140.64		%	120.81		%	98.27		%	87.73		%
Loans delinquent 30-89 days as a percent of total loans	0.32		%	0.25		%	0.31		%	0.32		%	0.53		%

(1) Includes principal reductions and transfers to performing status



HEARTLAND FINANCIAL USA, INC.
CONSOLIDATED FINANCIAL HIGHLIGHTS (Unaudited)
DOLLARS IN THOUSANDS
	For the Quarter Ended
	September 30, 2014							September 30, 2013
	Average							Average
	Balance			Interest		Rate		Balance			Interest		Rate
Earning Assets
Securities:
Taxable	$	1,279,612		$	7,547	2.34	%	$	1,086,302		$	4,803	1.75	%
Nontaxable⁽¹⁾	367,791			4,997		5.39		401,083			5,297		5.24
Total securities	1,647,403			12,544		3.02		1,487,385			10,100		2.69
Interest bearing deposits	8,098			6		0.29		9,054			3		0.13
Federal funds sold	344			1		1.15		237			—		—
Loans and leases:⁽²⁾
Commercial and commercial real estate⁽¹⁾	2,656,438			32,249		4.82		2,020,895			25,461		5.00
Residential mortgage	435,965			4,589		4.18		327,185			3,423		4.15
Agricultural and agricultural real estate⁽¹⁾	398,571			5,030		5.01		327,266			4,274		5.18
Consumer	321,244			6,704		8.28		262,162			6,144		9.30
Fees on loans				1,603		—					1,377		—
Less: allowance for loan and lease losses	(41,727		)	—		—		(38,044		)	—		—
Net loans and leases	3,770,491			50,175		5.28		2,899,464			40,679		5.57
Total earning assets	5,426,336			62,726		4.59	%	4,396,140			50,782		4.58	%
Nonearning Assets	456,456							505,832
Total Assets	$	5,882,792						$	4,901,972
Interest Bearing Liabilities
Savings	$	2,592,630		$	2,032	0.31	%	$	1,985,496		$	1,495	0.30	%
Time, $100,000 and over	320,849			924		1.14		301,633			1,056		1.39
Other time deposits	534,544			1,699		1.26		517,826			2,218		1.70
Short-term borrowings	316,874			227		0.28		277,041			131		0.19
Other borrowings	334,629			3,741		4.44		331,209			3,623		4.34
Total interest bearing liabilities	4,099,526			8,623		0.83	%	3,413,205			8,523		0.99	%
Noninterest Bearing Liabilities
Noninterest bearing deposits	1,262,154							1,056,669
Accrued interest and other liabilities	45,674							40,928
Total noninterest bearing liabilities	1,307,828							1,097,597
Stockholders' Equity	475,438							391,170
Total Liabilities and Stockholders' Equity	$	5,882,792						$	4,901,972
Net interest income⁽¹⁾				$	54,103						$	42,259
Net interest spread⁽¹⁾						3.76	%						3.59	%
Net interest income to total earning assets⁽¹⁾						3.96	%						3.81	%
Interest bearing liabilities to earning assets	75.55		%					77.64		%

(1) Computed on a tax equivalent basis using an effective tax rate of 35%
(2) Nonaccrual loans are included in average loans outstanding.



HEARTLAND FINANCIAL USA, INC.
CONSOLIDATED FINANCIAL HIGHLIGHTS (Unaudited)
DOLLARS IN THOUSANDS
	For the Nine Months Ended
	September 30, 2014							September 30, 2013
	Average							Average
	Balance			Interest		Rate		Balance			Interest		Rate
Earning Assets
Securities:
Taxable	$	1,303,152		$	22,755	2.33	%	$	1,153,876		$	14,174	1.64	%
Nontaxable⁽¹⁾	380,154			15,506		5.45		388,195			15,386		5.30
Total securities	1,683,306			38,261		3.04		1,542,071			29,560		2.56
Interest bearing deposits	7,256			20		0.37		9,216			9		0.13
Federal funds sold	450			1		0.30		672			—		—
Loans and leases:⁽²⁾
Commercial and commercial real estate⁽¹⁾	2,580,868			93,978		4.87		2,000,590			76,288		5.10
Residential mortgage	421,571			13,554		4.30		331,854			10,334		4.16
Agricultural and agricultural real estate⁽¹⁾	381,406			14,508		5.09		321,671			12,843		5.34
Consumer	308,873			19,372		8.39		252,855			17,894		9.46
Fees on loans				4,704		—					4,009		—
Less: allowance for loan and lease losses	(41,249		)	—		—		(38,230		)	—		—
Net loans and leases	3,651,469			146,116		5.35		2,868,740			121,368		5.66
Total earning assets	5,342,481			184,398		4.61	%	4,420,699			150,937		4.56	%
Nonearning Assets	475,679							486,737
Total Assets	$	5,818,160						$	4,907,436
Interest Bearing Liabilities
Savings	2,572,492			6,184		0.32	%	1,986,083			4,637		0.31	%
Time, $100,000 and over	329,976			2,641		1.07		310,333			3,395		1.46
Other time deposits	548,171			5,185		1.26		532,291			6,879		1.73
Short-term borrowings	308,000			655		0.28		250,326			387		0.21
Other borrowings	334,881			11,084		4.43		339,923			11,122		4.37
Total interest bearing liabilities	4,093,520			25,749		0.84	%	3,418,956			26,420		1.03	%
Noninterest Bearing Liabilities
Noninterest bearing deposits	1,219,431							1,016,413
Accrued interest and other liabilities	43,346							67,650
Total noninterest bearing liabilities	1,262,777							1,084,063
Stockholders' Equity	461,863							404,417
Total Liabilities and Stockholders' Equity	$	5,818,160						$	4,907,436
Net interest income⁽¹⁾				$	158,649						$	124,517
Net interest spread⁽¹⁾						3.77	%						3.53	%
Net interest income to total earning assets⁽¹⁾						3.97	%						3.77	%
Interest bearing liabilities to earning assets	76.62		%					77.34		%

(1) Computed on a tax equivalent basis using an effective tax rate of 35%
(2) Nonaccrual loans are included in the average loans outstanding.



HEARTLAND FINANCIAL USA, INC.
SELECTED FINANCIAL DATA - SUBSIDIARY BANKS (Unaudited)
DOLLARS IN THOUSANDS
	As of and For the Quarter Ended
	9/30/2014			6/30/2014			3/31/2014			12/31/2013			9/30/2013
Total Assets
Dubuque Bank and Trust Company	$	1,389,241		$	1,393,391		$	1,346,025		$	1,540,049		$	1,438,041
New Mexico Bank & Trust	1,069,722			1,050,117			1,020,381			1,032,441			999,555
Morrill & Janes Bank and Trust Company	867,346			837,148			859,998			890,984			—
Wisconsin Bank & Trust	664,630			658,773			631,501			643,430			635,606
Illinois Bank & Trust	505,492			506,150			490,147			443,114			460,224
Rocky Mountain Bank	480,345			472,079			456,201			467,443			464,221
Arizona Bank & Trust	471,661			467,966			472,141			450,320			415,174
Galena State Bank & Trust Co.	293,442			297,298			281,981			290,457			296,383
Minnesota Bank & Trust	165,580			165,250			157,965			170,517			166,324
Summit Bank & Trust	137,774			135,721			116,154			113,719			115,547
Total Deposits
Dubuque Bank and Trust Company	$	1,055,036		$	1,001,798		$	1,066,711		$	1,116,154		$	1,118,225
New Mexico Bank & Trust	828,637			814,523			790,172			765,572			765,903
Morrill & Janes Bank and Trust Company	686,833			680,176			673,325			692,038			—
Wisconsin Bank & Trust	564,674			558,654			544,323			531,371			545,163
Illinois Bank & Trust	401,888			392,053			403,643			353,046			371,779
Rocky Mountain Bank	395,728			384,856			379,017			380,011			375,949
Arizona Bank & Trust	390,167			382,011			381,121			368,059			320,737
Galena State Bank & Trust Co.	252,704			257,029			244,682			244,505			252,691
Minnesota Bank & Trust	148,453			148,260			142,750			154,812			151,659
Summit Bank & Trust	118,896			118,275			104,598			101,447			102,855
Net Income (Loss)
Dubuque Bank and Trust Company	$	4,480		$	4,135		$	2,381		$	5,009		$	2,737
New Mexico Bank & Trust	3,201			2,855			2,199			1,575			1,660
Morrill & Janes Bank and Trust Company	1,626			1,711			1,301			1,145			—
Wisconsin Bank & Trust	1,077			1,299			1,068			1,850			1,990
Illinois Bank & Trust	814			393			527			433			546
Rocky Mountain Bank	1,448			388			1,049			576			916
Arizona Bank & Trust	551			1,243			837			125			380
Galena State Bank & Trust Co.	724			1,072			802			403			324
Minnesota Bank & Trust	106			59			122			(31		)	(124		)
Summit Bank & Trust	(65		)	(82		)	(434		)	44			(368		)
Return on Average Assets
Dubuque Bank and Trust Company	1.27		%	1.20		%	0.67		%	1.36		%	0.74		%
New Mexico Bank & Trust	1.20			1.10			0.88			0.61			0.66
Morrill & Janes Bank and Trust Company	0.76			0.81			0.62			0.66			—
Wisconsin Bank & Trust	0.65			0.82			0.69			1.16			1.24
Illinois Bank & Trust	0.60			0.31			0.49			0.38			0.46
Rocky Mountain Bank	1.22			0.34			0.92			0.49			0.80
Arizona Bank & Trust	0.47			1.05			0.74			0.12			0.38
Galena State Bank & Trust Co.	0.97			1.51			1.15			0.54			0.43
Minnesota Bank & Trust	0.26			0.15			0.32			(0.07		)	(0.32		)
Summit Bank & Trust	(0.19		)	(0.26		)	(1.57		)	0.15			(1.27		)
Net Interest Margin as a Percentage of Average Earning Assets
Dubuque Bank and Trust Company	3.63		%	3.67		%	3.72		%	3.59		%	3.30		%
New Mexico Bank & Trust	3.85			3.96			3.80			3.63			3.58
Morrill & Janes Bank and Trust Company	3.51			3.50			3.17			2.97			—
Wisconsin Bank & Trust	4.24			4.27			4.41			4.39			4.43
Illinois Bank & Trust	3.40			3.57			3.45			3.17			2.82
Rocky Mountain Bank	4.44			4.36			4.21			4.22			4.15
Arizona Bank & Trust	4.23			4.47			4.37			4.35			4.57
Galena State Bank & Trust Co.	3.47			3.79			3.74			3.47			3.32
Minnesota Bank & Trust	3.84			3.88			3.79			3.64			3.50
Summit Bank & Trust	3.81			3.98			4.03			3.79			3.76



HEARTLAND FINANCIAL USA, INC.
SELECTED FINANCIAL DATA - SUBSIDIARY BANKS (Unaudited)
DOLLARS IN THOUSANDS
	As of
	9/30/2014			6/30/2014			3/31/2014			12/31/2013			9/30/2013
Total Portfolio Loans and Leases
Dubuque Bank and Trust Company	$	917,092		$	908,729		$	897,860		$	915,377		$	828,502
New Mexico Bank & Trust	609,170			575,685			556,928			529,808			508,452
Morrill & Janes Bank and Trust Company	445,100			429,326			400,243			384,685			—
Wisconsin Bank & Trust	509,364			496,486			465,969			459,594			444,174
Illinois Bank & Trust	239,362			233,668			227,920			186,739			181,024
Rocky Mountain Bank	356,049			339,479			317,513			316,702			301,224
Arizona Bank & Trust	335,648			328,438			343,298			329,211			278,616
Galena State Bank & Trust Co.	179,840			181,135			183,012			183,639			177,480
Minnesota Bank & Trust	104,061			105,142			98,818			101,491			94,182
Summit Bank & Trust	88,199			84,040			72,898			73,150			75,681
Allowance For Loan and Lease Losses
Dubuque Bank and Trust Company	$	9,143		$	9,441		$	8,839		$	10,303		$	11,040
New Mexico Bank & Trust	6,688			6,628			6,388			7,202			7,007
Morrill & Janes Bank and Trust Company	2,077			1,741			1,137			406			—
Wisconsin Bank & Trust	5,327			4,564			4,281			4,850			4,554
Illinois Bank & Trust	3,842			3,335			2,835			3,121			3,012
Rocky Mountain Bank	4,048			4,179			3,965			4,148			4,451
Arizona Bank & Trust	3,432			3,754			3,913			4,133			3,841
Galena State Bank & Trust Co.	1,501			1,553			1,716			1,916			1,872
Minnesota Bank & Trust	1,052			1,071			1,021			1,091			1,068
Summit Bank & Trust	996			1,099			1,054			1,334			1,297
Nonperforming Loans and Leases
Dubuque Bank and Trust Company	$	6,151		$	5,718		$	7,729		$	15,641		$	19,803
New Mexico Bank & Trust	5,550			4,781			5,195			6,880			7,406
Morrill & Janes Bank and Trust Company	519			368			129			160			—
Wisconsin Bank & Trust	3,335			3,617			4,904			6,165			6,825
Illinois Bank & Trust	6,530			6,213			5,213			3,325			4,120
Rocky Mountain Bank	3,008			3,471			3,271			3,326			4,076
Arizona Bank & Trust	2,732			2,946			3,200			4,413			1,862
Galena State Bank & Trust Co.	1,081			826			939			1,077			1,131
Minnesota Bank & Trust	—			—			—			—			—
Summit Bank & Trust	583			567			584			688			1,021
Allowance As a Percent of Total Loans and Leases
Dubuque Bank and Trust Company	1.00		%	1.04		%	0.98		%	1.13		%	1.33		%
New Mexico Bank & Trust	1.10			1.15			1.15			1.36			1.38
Morrill & Janes Bank and Trust Company	0.47			0.41			0.28			0.11			—
Wisconsin Bank & Trust	1.05			0.92			0.92			1.06			1.03
Illinois Bank & Trust	1.61			1.43			1.24			1.67			1.66
Rocky Mountain Bank	1.14			1.23			1.25			1.31			1.48
Arizona Bank & Trust	1.02			1.14			1.14			1.26			1.38
Galena State Bank & Trust Co.	0.83			0.86			0.94			1.04			1.05
Minnesota Bank & Trust	1.01			1.02			1.03			1.07			1.13
Summit Bank & Trust	1.13			1.31			1.45			1.82			1.71

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HEARTLAND FINANCIAL USA INC Reports