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  "documentTitle": "Heartland Financial USA | Results Presentation Deck | 35 slides",
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  "presentationDate": "2023-10-01 00:00:00",
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  "notes": "Includes specific definitions for cycle beta and non-customer deposits in footnotes.",
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      "text": "3Q 2023 Highlights: Loan yields increased 30 bps, Average loans grew ~$175 million, Cost of Total Deposits 2.10%, Cost of Customer Deposits 1.52%, Cost of Non Customer Deposits 5.14%, 27% Customer deposit beta through the cycle",
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      "text": "Note: Cycle beta starting point 1Q2022. Note: Beta is defined as the change in deposit cost of funds rate divided by the change in Fed Funds rate - over the same time period. 1. On a fully tax equivalent basis; See appendix for reconciliation of non-GAAP financial measures. 2. Non Customer Deposits include Wholesale deposits, Institutional deposits, and Brokered CDs",
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