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  "documentTitle": "Heartland Financial USA | Results Presentation Deck | 53 slides",
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      "text": "$100 million of Noncumulative Preferred Stock issued in 2020. $150 million of fixed to floating sub debt issued August 2021, currently fixed at 2.75%.",
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      "text": "Focus on growth of CET1 through retained earnings while increasing the dividend. CET1 Ratio pro-forma including AOCI losses of $575 million is 7.6%, exceeding well capitalized levels.",
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