{
  "docId": "019de075-f95d-765f-a3fb-f42ce67e5b18",
  "docSlug": "1376d158ac26f8029c6795c8f0fe8921",
  "documentTitle": "Heartland Financial USA | Results Presentation Deck | 35 slides",
  "authorId": "heartland-financial-usa",
  "authorName": "Heartland Financial USA",
  "documentKindSlug": "conference-presentation",
  "documentKindLabel": "Conference presentation",
  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2023-10-01 00:00:00",
  "orientation": "landscape",
  "aspectRatio": 1.3333334,
  "pageNumber": 10,
  "pageCount": 35,
  "prevPage": 9,
  "nextPage": 11,
  "slideType": "kpi_overview",
  "function": "analyze_data",
  "density": "dense",
  "nDataPoints": 20,
  "notes": "The slide tracks two key financial efficiency metrics over time, highlighting the distinction between core and non-core expenses.",
  "elementsJson": null,
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019de075-f95d-765f-a3fb-f42ce67e5b18/10",
  "deckHref": "/decks/019de075-f95d-765f-a3fb-f42ce67e5b18",
  "deckJsonHref": "/decks/019de075-f95d-765f-a3fb-f42ce67e5b18.json",
  "deckAnchorHref": "/decks/019de075-f95d-765f-a3fb-f42ce67e5b18#slide-10",
  "components": [
    {
      "bbox": {
        "h": 0.35,
        "w": 0.9,
        "x": 0.05,
        "y": 0.135
      },
      "kind": "chart",
      "text": "Core Expenses as a % of Average Assets",
      "attrs": null,
      "subkind": "bar-stacked",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "62b8682b-5eac-4478-8b47-979870cc89f0",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.3,
        "w": 0.9,
        "x": 0.05,
        "y": 0.53
      },
      "kind": "chart",
      "text": "Adjusted Efficiency Ratio Trend",
      "attrs": null,
      "subkind": "bar-vertical",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "94de58d0-a4f8-44e8-afad-8b5846ec0714",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.05,
        "w": 0.65,
        "x": 0.05,
        "y": 0.93
      },
      "kind": "source-note",
      "text": "1. Non-Core Expenses include: restructuring costs, tax credits, CDI Amortization, and gains/losses on sale of assets\n2. See appendix for reconciliation of non-GAAP financial measures",
      "attrs": null,
      "subkind": null,
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "f7911120-04a0-4d8f-8d50-bba23c83020b",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.06,
        "w": 0.38,
        "x": 0.2,
        "y": 0.02
      },
      "kind": "title",
      "text": "Operating Efficiency",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "5617be25-0aa8-4f08-a46c-09b1d276dca9",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.04,
        "w": 0.25,
        "x": 0.2,
        "y": 0.08
      },
      "kind": "title",
      "text": "Improving Core Costs",
      "attrs": null,
      "subkind": "subtitle",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "adfa6bda-6608-4d8a-b257-29eee4c4c17d",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [],
  "frameworks": [],
  "arcBeats": [
    {
      "to": 20,
      "from": 5,
      "beatId": "7e63ad1c-fbf1-4467-b95d-768c31ad4d20",
      "arcName": "The Sparkline",
      "arcSlug": "sparkline",
      "beatName": "Financial Performance",
      "beatSlug": "sparkline-what-is-3",
      "evidence": "Slides detail profitability, net interest margin, deposit funding, and operating efficiency",
      "position": 1,
      "confidence": 0.8,
      "parentBeatName": "Complication",
      "parentBeatSlug": "complication"
    }
  ],
  "loops": [
    {
      "to": 10,
      "from": 4,
      "name": "Logic Chain",
      "slug": "01-logic-chain",
      "bestFor": "Skeptical audiences, controversial recommendations, rigorous analysis",
      "matchId": "f5b845be-1da5-4e43-a3c9-a2164e0c4e1f",
      "evidence": "Slides logically connect financial metrics to demonstrate performance",
      "position": 0,
      "objective": "Understand the company's financial performance and growth",
      "structure": "Premise 1 (Accepted truth) -> Premise 2 (Observed fact) -> Therefore... (Inevitable conclusion)",
      "confidence": 0.7,
      "description": "Build an airtight chain of logic where each premise leads inevitably to the conclusion"
    }
  ],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}