{
  "docId": "019de075-52d9-7050-be5d-5641bf7509f3",
  "docSlug": "6bf32335c7c9ac6871ef06238e98a6bc",
  "documentTitle": "Heartland Financial USA | Results Presentation Deck | 34 slides",
  "authorId": "heartland-financial-usa",
  "authorName": "HTLF",
  "documentKindSlug": "conference-presentation",
  "documentKindLabel": "Conference presentation",
  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2023-07-01 00:00:00",
  "orientation": "landscape",
  "aspectRatio": 1.3333334,
  "pageNumber": 21,
  "pageCount": 34,
  "prevPage": 20,
  "nextPage": 22,
  "slideType": "kpi_overview",
  "function": "analyze_data",
  "density": "overcrowded",
  "nDataPoints": 15,
  "notes": "The slide provides a granular view of a specific loan segment, highlighting low risk metrics like 0% nonaccrual and 57% LTV.",
  "elementsJson": null,
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019de075-52d9-7050-be5d-5641bf7509f3/21",
  "deckHref": "/decks/019de075-52d9-7050-be5d-5641bf7509f3",
  "deckJsonHref": "/decks/019de075-52d9-7050-be5d-5641bf7509f3.json",
  "deckAnchorHref": "/decks/019de075-52d9-7050-be5d-5641bf7509f3#slide-21",
  "components": [
    {
      "bbox": {
        "h": 0.1,
        "w": 0.44,
        "x": 0.53,
        "y": 0.69
      },
      "kind": "callout",
      "text": "For a review of CBMS Non-Agency Office exposure within our Investment holdings, please refer back to Investment Portfolio slide",
      "attrs": null,
      "subkind": "primary",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "a8d5e270-0a5e-4126-a767-6c32246400f3",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.35,
        "w": 0.45,
        "x": 0.03,
        "y": 0.135
      },
      "kind": "chart",
      "text": "CRE-NOO Office Loans ($M)",
      "attrs": null,
      "subkind": "bar-vertical",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "45df25dc-65b8-4ea6-9a56-6e219a947231",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.35,
        "w": 0.45,
        "x": 0.03,
        "y": 0.53
      },
      "kind": "chart",
      "text": "Geographic Diversification (by Bank Division)",
      "attrs": null,
      "subkind": "pie",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "3d344fca-d11d-47df-82ab-8721dc77c5a4",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.55,
        "w": 0.44,
        "x": 0.53,
        "y": 0.135
      },
      "kind": "list",
      "text": "Highlights of portfolio metrics including LTV, debt service coverage, and nonaccrual status.",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "a393403c-e642-4b30-a5ce-793f6d4ca400",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.03,
        "w": 0.6,
        "x": 0.03,
        "y": 0.95
      },
      "kind": "source-note",
      "text": "1. LTV and the debt service coverage ratio is only calculated on commercial loans greater than $1 million",
      "attrs": null,
      "subkind": null,
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "e3c04c7e-ea31-46b2-8cb9-fdf50ddd1e30",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.03,
        "w": 0.25,
        "x": 0.205,
        "y": 0.075
      },
      "kind": "title",
      "text": "3.5% of total loans",
      "attrs": null,
      "subkind": "action-title",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "8cf12df5-2c63-4cda-aeaf-665d001d6d10",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.04,
        "w": 0.45,
        "x": 0.205,
        "y": 0.025
      },
      "kind": "title",
      "text": "CRE Non Owner Occupied - Office",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "80b79969-adff-45bd-9ca1-06a2185e4999",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [],
  "frameworks": [],
  "arcBeats": [
    {
      "to": 34,
      "from": 17,
      "beatId": "712736f8-cf52-48cb-9698-d6277feed028",
      "arcName": "Monroe's Motivated Sequence",
      "arcSlug": "monroes-sequence",
      "beatName": "Action",
      "beatSlug": "monroes-sequence-action",
      "evidence": "The presentation concludes with a call to action and forward-looking information.",
      "position": 3,
      "confidence": 0.8,
      "parentBeatName": "Resolution",
      "parentBeatSlug": "resolution"
    }
  ],
  "loops": [],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}