Heartland Financial USA | Results Presentation Deck | 55 slides

Heartland Financial USA · 2023-11
arc beats above · slides in the middle · loops below · scroll → 2 LOOPS
SETUP TENSION ANALYSIS EVIDENCE RESOLUTION APPENDIX
HOVER FOR DETAILS · CLICK A SLIDE FOR FULLSCREEN · STEP 2
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Deck intelligence map

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coverage by narrative range · generated from this deck JSON

Slide inventory

55
every slide · same image gating as the playbook
01
Slide 1
front_matter
03
front_matter
04
The slide uses a sidebar of brand logos to reinforce the '11 distinct banking brands' point.establish_context
Open slide detailBeat · Attention
05
Uses a before-after-bridge framework to illustrate organizational evolution.frame_situation
Open slide detailBeat · AttentionLoop · Before After
06
The slide uses target icons for completed/ongoing operational tasks and a circular arrow icon for the forward-looking HTLF 3.0 strategy.summarize
Open slide detailBeat · AttentionLoop · Before After
07
The slide uses a table-like structure to present key performance indicators related to a specific financial transaction.summarize
Open slide detailBeat · NeedLoop · Cost Of Inaction
08
summarize
Open slide detailBeat · NeedLoop · Cost Of Inaction
09
The slide categorizes markets by population size (MSAs > 1M vs < 1M) and displays deposit data as of 6/30/23.analyze_data
Open slide detailBeat · NeedLoop · Cost Of Inaction
10
The slide uses a large arrow graphic to represent the flow or integration of local bank expertise into the broader HTLF service offerings.present_framework
Open slide detailBeat · NeedLoop · Cost Of Inaction
11
The chart tracks loan portfolio composition over time, highlighting the growth in operating company relationships.analyze_data
Open slide detailBeat · Satisfaction
12
The slide highlights a strategic shift toward higher quality relationships, evidenced by the metrics on the right.analyze_data
Open slide detailBeat · Satisfaction
13
present_solution
Open slide detailBeat · Satisfaction
14
The slide uses two line charts to demonstrate a downward trend in risk metrics over time, paired with a list of qualitative management actions.summarize
Open slide detailBeat · Satisfaction
15
Includes a pro-forma note regarding AOCI losses.analyze_data
Open slide detailBeat · Satisfaction
16
The slide presents a 5-year lookback of financial performance metrics.analyze_data
Open slide detailBeat · Satisfaction
17
summarize
Open slide detailBeat · Visualization
18
transition
Open slide detailBeat · Visualization
19
Includes geographic map of bank subsidiaries and a detailed table of financial highlights categorized by Balance Sheet, Capital, Profitability, Asset Quality, aanalyze_data
Open slide detailBeat · Visualization
20
Includes a footnote regarding NIM calculation.summarize
Open slide detailBeat · Visualization
21
The slide highlights a 40-year track record of dividend growth/maintenance.analyze_data
Open slide detailBeat · Action
22
Includes footnotes regarding non-GAAP reconciliation and definitions.analyze_data
Open slide detailBeat · Action
23
Includes historical annual NIM data and quarterly trend lines for yield on loans, securities, and cost of deposits.analyze_data
Open slide detailBeat · Action
24
The slide includes a detailed table of deposit metrics and a combo chart showing trends from 3Q2022 to 3Q2023.analyze_data
Open slide detailBeat · Action
25
The slide uses a donut chart for the overall mix and stacked bar charts for historical revenue trends.analyze_data
Open slide detailBeat · Action
26
The slide tracks two key financial efficiency metrics over time, showing a downward trend in core expenses relative to assets.analyze_data
Open slide detailBeat · Action
27
Includes data for both 6/30/2023 and 9/30/2023 for comparison.analyze_data
Open slide detailBeat · Action
28
Includes a detailed breakdown of AFS and HTM investments, a trend chart for AFS cost basis, and a multi-quarter performance table.analyze_data
Open slide detailBeat · Action
29
The slide uses a mix of pie charts for composition and bar charts for trends over time.analyze_data
Open slide detailBeat · Action
30
Slide 30 of a presentation.analyze_data
Open slide detailBeat · Action
31
analyze_data
Open slide detailBeat · Action
32
The slide provides a snapshot of the CRE-NOO portfolio performance and composition as of 3Q 2023.analyze_data
Open slide detailBeat · Action
33
The slide provides a snapshot of risk and diversification for a specific loan segment.analyze_data
Open slide detailBeat · Action
34
The slide uses a mix of bar charts and pie charts to illustrate portfolio composition and performance metrics.analyze_data
Open slide detailBeat · Action
35
HTLF branding present. Data covers 3Q 2022 to 3Q 2023.analyze_data
Open slide detailBeat · Action
36
Includes a waterfall-style chart for uninsured deposits and a stacked bar chart for deposit flows.analyze_data
Open slide detailBeat · Action
37
The slide uses four donut charts to illustrate the composition of deposits across different dimensions.analyze_data
Open slide detailBeat · Action
38
Includes adjusted metrics for AOCI impact on specific ratios.analyze_data
Open slide detailBeat · Action
39
The slide uses a combination of bar charts for absolute dollar values and line/point charts for percentage ratios.analyze_data
Open slide detailBeat · Action
40
The slide uses a waterfall chart for the credit loss allowance and a stacked bar chart for the allowance percentage trends.analyze_data
Open slide detailBeat · Action
41
establish_context
Open slide detailBeat · Action
42
The slide uses a list of icons paired with metrics to summarize annual performance.summarize
44
The slide uses a logo-grid to demonstrate the corporate structure of HTLF.establish_context
45
transition
46
Standard financial disclosure slide defining non-GAAP metrics like tangible book value, efficiency ratios, and adjusted returns.other
47
Includes reconciliations for Tangible Book Value, Tangible Common Equity Ratio, Adjusted Tangible Common Equity Ratio, and Annualized Net Interest Margin.analyze_data
48
Includes footnote regarding tax-equivalent basis calculation.analyze_data
49
The slide provides a bridge between GAAP net income and non-GAAP net income, and GAAP average common equity and non-GAAP average tangible common equity.analyze_data
50
Includes a footnote regarding tax-equivalent adjustments.analyze_data
51
Includes two distinct reconciliation tables: Adjusted Efficiency Ratio and Annualized Ratio of Core Expenses to Average Assets.analyze_data
52
The table reconciles GAAP net income and equity to non-GAAP tangible common equity metrics.analyze_data
53
The slide provides detailed line-item adjustments for efficiency ratios and core expenses to average assets.analyze_data
54
Includes footnote regarding tax-equivalent basis calculation.analyze_data
55
The slide uses a logo-grid to demonstrate corporate structure and brand unity.establish_context