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  "documentTitle": "Heartland Financial USA | Results Presentation Deck | 35 slides",
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  "notes": "Includes a bar chart for annualized NIM and a line chart for yield/cost trends.",
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      "text": "4Q 2023 Highlights: NIM improved 34 bps, Yield on Loans up 28 bps, Cost of Deposits flat, Customer Deposits up 22 bps.",
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      "text": "Note: Cycle beta starting point 1Q2022. Beta is defined as the change in deposit cost of funds rate divided by the change in Fed Funds rate. 1. On a fully tax equivalent basis.",
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