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  "documentTitle": "Heartland Financial USA | Results Presentation Deck | 55 slides",
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  "authorName": "Heartland Financial USA",
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  "presentationDate": "2023-11-01 00:00:00",
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  "notes": "The slide uses target icons for completed/ongoing operational tasks and a circular arrow icon for the forward-looking HTLF 3.0 strategy.",
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      "text": "Exiting sub-scale businesses; Sold $10 million consumer card portfolio; Sold mortgage servicing portfolio; Sold Retirement Plan Services recordkeeping business",
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      "text": "Completed Charter Consolidation of 11 bank subsidiaries; Projected restructuring costs of $18-$19 million; Benefits expected to reach $20 million annually",
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      "text": "HTLF 3.0; New strategic initiatives focused on organic growth, expense efficiencies, improved profitability and TCE growth; $806 million Balance Sheet repositioning",
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