{
  "docId": "019de075-9ed5-77eb-8bd0-f2b675542d04",
  "docSlug": "0693e75bb72843ed9131af9bbc44dd45",
  "documentTitle": "Heartland Financial USA | Results Presentation Deck | 53 slides",
  "authorId": "heartland-financial-usa",
  "authorName": "HTLF",
  "documentKindSlug": "conference-presentation",
  "documentKindLabel": "Conference presentation",
  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2023-08-01 00:00:00",
  "orientation": "landscape",
  "aspectRatio": 1.3333334,
  "pageNumber": 33,
  "pageCount": 53,
  "prevPage": 32,
  "nextPage": 34,
  "slideType": "kpi_overview",
  "function": "analyze_data",
  "density": "overcrowded",
  "nDataPoints": 15,
  "notes": "The slide highlights portfolio granularity, low LTV, and strong debt service coverage ratios.",
  "elementsJson": null,
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019de075-9ed5-77eb-8bd0-f2b675542d04/33",
  "deckHref": "/decks/019de075-9ed5-77eb-8bd0-f2b675542d04",
  "deckJsonHref": "/decks/019de075-9ed5-77eb-8bd0-f2b675542d04.json",
  "deckAnchorHref": "/decks/019de075-9ed5-77eb-8bd0-f2b675542d04#slide-33",
  "components": [
    {
      "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": "5555e2a2-5ec3-4a00-8d9c-e6e2e92de042",
      "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": "2869d8e2-dd04-4646-b8f9-77cf9c3c15d1",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.1,
        "w": 0.45,
        "x": 0.53,
        "y": 0.69
      },
      "kind": "disclaimer",
      "text": "For a review of CBMS Non-Agency Office exposure within our Investment holdings, please refer back to Investment Portfolio slide",
      "attrs": null,
      "subkind": null,
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "bc6b232b-362c-45bf-965e-f40aa9f16426",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.5,
        "w": 0.45,
        "x": 0.53,
        "y": 0.135
      },
      "kind": "list",
      "text": "Highlights: Diversified across Geography, 3.5% of portfolio by balance, Granular portfolio, 57% Average LTV, 1.42 debt service coverage ratio, 0% nonaccrual, Mostly non-central business district",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "1d6acdc0-795c-4011-9435-95d04f66d7bf",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.03,
        "w": 0.6,
        "x": 0.03,
        "y": 0.945
      },
      "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": "277c659c-e4ba-4d11-b444-68c95e0e0b44",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.05,
        "w": 0.3,
        "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": "987e49b0-116e-460e-ae29-a9f088ddbfc0",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.05,
        "w": 0.6,
        "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": "bc3c9603-b48f-429b-a0eb-9484e4d34edc",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [
    {
      "name": "2x2 matrix",
      "slug": "matrix-2x2",
      "agent": null,
      "layer": "slide",
      "matchId": "5531a969-1045-429c-9649-8383bb402f4b",
      "evidence": "chart/pie: Geographic Diversification (by Bank Division), chart/pie: Property Type - Diversified by Industry",
      "confidence": 0.5
    }
  ],
  "frameworks": [],
  "arcBeats": [
    {
      "to": 38,
      "from": 5,
      "beatId": "a097cfcc-bfcc-47ee-ba3f-e5b43b4f7a40",
      "arcName": "Rags to Riches",
      "arcSlug": "rags-to-riches",
      "beatName": "Rising Success",
      "beatSlug": "rags-to-riches-rising-success",
      "evidence": "The presentation highlights HTLF's transformation, growth strategy, and improving financial metrics.",
      "position": 1,
      "confidence": 0.8,
      "parentBeatName": "Development",
      "parentBeatSlug": "development"
    }
  ],
  "loops": [],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}