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  "documentTitle": "Heartland Financial USA | Results Presentation Deck | 55 slides",
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      "text": "Customer Deposits Fund Loan Growth; $154 million of loan growth; $152 million of customer deposit growth",
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      "text": "Charter Consolidation Finalized; Completed the consolidation of two bank charters during the quarter; Final bank consolidation completed in early October 2023",
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      "text": "$46.1 Million Available to Common Shareholders; $1.08 EPS, reported; Includes $0.04 of restructuring costs",
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      "text": "Stable Credit Performance; Delinquencies steady at 12bps of total loans; NPL's declined $11.6 million to 44 bps of loans; NPA's steady at 33bps of total assets; NCO's @ 12 bps of total loans",
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      "text": "$367M Reduction in Wholesale Funding; Wholesale deposits declined $715 million; Short-term borrowings increased $348 million",
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      "text": "11.4% CET1 Ratio Continues to Climb; 30bps improvement from the beginning of the year",
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