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UNITED STATES SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 10-Q


☒			QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For quarterly period ended September 30, 2024


☐			TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For transition period from __________ to __________

Commission File Number: 001-15393

HEARTLAND FINANCIAL USA, INC.

(Exact name of Registrant as specified in its charter)

Delaware

(State or other jurisdiction of incorporation or organization)

42-1405748

(I.R.S. employer identification number)

1800 Larimer Street, Suite 1800, Denver, Colorado 80202

(Address of principal executive offices) (Zip Code)

(303) 285-9200

(Registrant's telephone number, including area code)

Securities registered pursuant to Section 12(b) of the Act:


Title of Each Class	Trading Symbol	Name of each exchange on which registered
Common Stock, par value $1.00 per share	HTLF	Nasdaq Stock Market
Depositary Shares, each representing 1/400th interest in a share of 7.00% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series E	HTLFP	Nasdaq Stock Market

Indicate by check mark whether the Registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the Registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☒ No ☐

Indicate by check mark whether the Registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☒ No ☐

Indicate by check mark whether the Registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer", "accelerated filer", "smaller reporting company" and "emerging growth company" in Rule 12b-2 of the Exchange Act.

Large accelerated filer

☒

Accelerated Filer

☐

Non-accelerated filer

☐

Smaller reporting company

☐

Emerging growth company

☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the Registrant is a shell company (as defined by Rule 12b-2 of the Exchange Act). Yes ☐ No ☒

Indicate the number of shares outstanding of each of the classes of Registrant's common stock as of the latest practicable date: As of ~~August~~November 54, 2024, the Registrant had outstanding 42,~~879~~885,~~182~~498 shares of common stock, $1.00 par value per share.

HEARTLAND FINANCIAL USA, INC.

Form 10-Q Quarterly Report

Table of Contents


Part I
Item 1.			Financial Statements
Item 2.			Management's Discussion and Analysis of Financial Condition and Results of Operations
Item 3.			Quantitative and Qualitative Disclosures About Market Risk
Item 4.			Controls and Procedures
Part II
Item 1.			Legal Proceedings
Item 1A.			Risk Factors
Item 2.			Unregistered Sales of Equity Securities and Use of Proceeds
Item 3.			Defaults Upon Senior Securities
Item 4.			Mine Safety Disclosures
Item 5.			Other Information
Item 6.			Exhibits

PART I

ITEM 1. FINANCIAL STATEMENTS

HEARTLAND FINANCIAL USA, INC.CONSOLIDATED BALANCE SHEETS(Dollars in thousands, except per share data)
	June 30, 2024 (Unaudited)		December 31, 2023
	September 30, 2024 (Unaudited)		December 31, 2023
ASSETS
Cash and due from banks	$	~~226~~228,~~735~~719	$	275,554
Interest bearing deposits with other banks and other short-term investments	147,211		47,459
Interest-bearing deposits with other banks and other short-term investments	359,675		47,459
Cash and cash equivalents	~~373~~588,~~946~~394		323,013
Time deposits in other financial institutions	1,~~340~~050		1,240
Securities:
Carried at fair value (cost of $4,636,825 at June 30, 2024, and $5,100,344 at December 31, 2023)	4,185,054		4,646,891
Carried at fair value (cost of $4,395,743 at September 30, 2024, and $5,100,344 at December 31, 2023)	4,057,335		4,646,891
Held to maturity, net of allowance for credit losses of $0 at both June 30, 2024, and December 31, 2023 (fair value of $809,516 at June 30, 2024, and $816,399 at December 31, 2023)	842,980		838,241
Held to maturity, net of allowance for credit losses of $0 at both September 30, 2024, and December 31, 2023 (fair value of $844,296 at September 30, 2024, and $816,399 at December 31, 2023)	839,623		838,241
Other investments, at cost	7069,~~684~~511		91,277
Loans held for sale	~~348,761~~—		5,071
Loans receivable:
Held to maturity	11,~~608~~440,~~309~~917		12,068,645
Allowance for credit losses	(~~126~~106,~~861~~797)		(122,566)
Loans receivable, net	11,~~481~~334,~~448~~120		11,946,079
Premises, furniture and equipment, net	~~159~~145,~~772~~276		177,001
Premises, furniture and equipment held for sale	169,~~181~~864		4,069
Other real estate, net	76,~~533~~805		12,548
Goodwill	576,005		576,005
Core deposit intangibles, net	1514,~~501~~157		18,415
Cash surrender value on life insurance	199,~~036~~998		197,085
Other assets	~~534~~430,~~429~~155		574,772
TOTAL ASSETS	$	18,~~812~~272,~~670~~293	$	19,411,707
LIABILITIES AND EQUITY
LIABILITIES:
Deposits:
Demand	$	4,~~244~~009,~~169~~218	$	4,500,304
Savings	8,~~470~~926,~~416~~192		8,805,597
Time	2,~~242~~017,~~005~~806		2,895,813
Total deposits	14,~~956~~953,~~590~~216		16,201,714
Deposits held for sale	538,308		—
Borrowings	546,219		622,255
Borrowings	694,909		622,255
Term debt	373,324		372,396
Term debt	372,988		372,396
Accrued expenses and other liabilities	259,161		282,225
Accrued expenses and other liabilities	222,025		282,225
TOTAL LIABILITIES	16,131,920		17,478,590
TOTAL LIABILITIES	16,784,820		17,478,590
STOCKHOLDERS' EQUITY:
Preferred stock (par value $1 per share; authorized 188,500 and 188,500 shares at June 30, 2024, and December 31, 2023; none issued or outstanding at both June 30, 2024, and December 31, 2023)	—		—
Preferred stock (par value $1 per share; authorized 188,500 and 188,500 shares at September 30, 2024, and December 31, 2023; none issued or outstanding at both September 30, 2024, and December 31, 2023)	—		—
Series E Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock (par value $1 per share; 11,500 shares authorized at both June 30, 2024, and December 31, 2023; 11,500 shares issued and outstanding at both June 30, 2024, and December 31, 2023)	110,705		110,705
Series E Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock (par value $1 per share; 11,500 shares authorized at both September 30, 2024, and December 31, 2023; 11,500 shares issued and outstanding at both September 30, 2024, and December 31, 2023)	110,705		110,705
Common stock (par value $1 per share; 60,000,000 shares authorized at both June 30, 2024, and December 31, 2023; issued 42,852,180 shares at June 30, 2024, and 42,688,008 shares at December 31, 2023)	42,852		42,688
Common stock (par value $1 per share; 60,000,000 shares authorized at both September 30, 2024, and December 31, 2023; issued 42,883,865 shares at September 30, 2024, and 42,688,008 shares at December 31, 2023)	42,884		42,688
Capital surplus	1,~~096~~098,~~619~~837		1,090,740
Retained earnings	1,~~203~~252,~~092~~247		1,141,501
Accumulated other comprehensive loss	(~~425~~364,~~418~~300)		(452,517)
TOTAL STOCKHOLDERS' EQUITY	2,~~027~~140,~~850~~373		1,933,117
TOTAL LIABILITIES AND EQUITY	$	18,~~812~~272,~~670~~293	$	19,411,707
See accompanying notes to consolidated financial statements.

HEARTLAND FINANCIAL USA, INC. CONSOLIDATED STATEMENTS OF INCOME (Unaudited)(Dollars in thousands, except per share data)

Three Months EndedJune 30,

Six Months EndedJune 30,

Three Months EndedSeptember 30,

Nine Months EndedSeptember 30,

2024

2023

2024

2023

INTEREST INCOME:

Interest and fees on loans

~~199~~192,~~161~~506

~~168~~182,~~899~~394

~~394~~587,~~822~~328

~~322~~505,~~742~~136

Interest on securities:

Taxable

4751,~~381~~116

5854,~~172~~800

94145,~~395~~511

~~114~~168,~~148~~948

Nontaxable

65,~~042~~979

6,~~378~~584

1218,~~083~~062

1218,~~406~~990

Interest on interest bearing deposits in other financial institutions

3,045

2,051

6,051

3,182

Interest on federal funds sold

—

TOTAL INTEREST INCOME

255,629

235,500

507,351

452,478

Interest on interest-bearing deposits in other financial institutions

4,193

1,651

10,244

4,833

TOTAL INTEREST INCOME

253,794

245,432

761,145

697,910

INTEREST EXPENSE:

Interest on deposits

8082,~~499~~976

8192,~~975~~744

~~164~~247,~~633~~609

~~138~~231,~~873~~617

Interest on borrowings

107,~~825~~378

~~848~~1,167

1825,~~349~~727

34,~~270~~437

Interest on term debt (includes $(245) and $(63) of interest expense (income) related to derivatives reclassified from accumulated other comprehensive income for the three months ended June 30, 2024 and 2023, respectively, and $(210) and $701 of interest expense (income) related to derivatives reclassified from accumulated other comprehensive income for the six months ended June 30, 2024 and 2023, respectively)

5,564

5,545

11,413

10,991

Interest on term debt (includes $(247) and $(63) of interest income related to derivatives reclassified from accumulated other comprehensive income for the three months ended September 30, 2024 and 2023, respectively, and $(457) and $638 of interest (income) expense related to derivatives reclassified from accumulated other comprehensive income for the nine months ended September 30, 2024 and 2023, respectively)

5,543

5,765

16,956

16,756

TOTAL INTEREST EXPENSE

9695,~~888~~897

8899,~~368~~676

~~194~~290,~~395~~292

~~153~~252,~~134~~810

NET INTEREST INCOME

~~158~~157,~~741~~897

~~147~~145,~~132~~756

~~312~~470,~~956~~853

~~299~~445,~~344~~100

Provision for credit losses

96,~~008~~276

51,~~379~~516

916,~~994~~270

89,~~453~~969

NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES

~~149~~151,~~733~~621

~~141~~144,~~753~~240

~~302~~454,~~962~~583

~~290~~435,~~891~~131

NONINTEREST INCOME:

Service charges and fees

1617,~~964~~100

1918,~~627~~553

3451,~~027~~127

3655,~~763~~316

Loan servicing income

~~107~~111

~~411~~278

~~238~~349

1,~~125~~403

Trust fees

5,~~532~~272

54,~~419~~734

1015,~~575~~847

1115,~~076~~810

Brokerage and insurance commissions

~~894~~853

~~677~~692

12,~~648~~501

12,~~373~~065

Capital markets fees

12,~~996~~116

41,~~037~~845

25,~~887~~003

68,~~486~~331

Securities losses, net (includes $(10,556) and $(325) of net security losses reclassified from accumulated other comprehensive income for the three months ended June 30, 2024 and 2023, respectively, and $(10,556) and $(1,429) of net security losses reclassified from accumulated other comprehensive income for the six months ended June 30, 2024 and 2023, respectively)

(10,111)

(314)

(10,053)

(1,418)

Securities losses, net (includes $(9,299) and $59 of net security (losses) gains reclassified from accumulated other comprehensive income for the three months ended September 30, 2024 and 2023, respectively, and $(19,855) and $(1,370) of net security losses reclassified from accumulated other comprehensive income for the nine months ended September 30, 2024 and 2023, respectively)

(9,520)

(114)

(19,573)

(1,532)

Unrealized gain (loss) on equity securities, net

133

(41)

228

152

Unrealized gain on equity securities, net

377

605

165

Net gains on sale of loans held for sale

—

~~1,050~~905

104

23,~~881~~786

Income on bank owned life insurance

1,~~326~~107

~~1,220~~858

23,~~503~~610

23,~~184~~042

Other noninterest income

1,~~366~~576

~~407~~619

35,~~713~~289

12,~~870~~489

TOTAL NONINTEREST INCOME

18,~~207~~992

3228,~~493~~383

4564,~~870~~862

6290,~~492~~875

NONINTEREST EXPENSES:

Salaries and employee benefits

6562,~~120~~742

62,~~099~~262

~~129~~191,~~075~~817

~~124~~186,~~248~~510

Occupancy

6,~~262~~318

6,~~691~~438

1319,~~525~~843

1320,~~900~~338

Furniture and equipment

2,~~155~~062

32,~~063~~720

46,~~492~~554

58,~~978~~698

Professional fees

1517,~~372~~448

1513,~~194~~616

3048,~~903~~351

2741,~~991~~607

FDIC insurance assessments

3,~~340~~035

3,~~035~~313

811,~~309~~344

69,~~314~~627

Advertising

1,~~368~~937

31,~~052~~633

24,~~726~~663

56,~~037~~670

Core deposit intangibles amortization

1,~~421~~345

1,~~715~~625

24,~~913~~258

35,~~503~~128

Other real estate and loan collection expenses

~~515~~395

~~348~~481

1,~~027~~422

~~503~~984

Loss (gain) on sales/valuations of assets, net

~~193~~(26,419)

~~(3,372)~~108

~~407~~(26,012)

(2,~~257~~149)

Acquisition, integration and restructuring costs

52,~~973~~026

12,~~892~~429

79,~~348~~374

35,~~565~~994

Partnership investment in tax credit projects

222

~~154~~1,136

~~716~~938

~~692~~1,828

Other noninterest expenses

14,~~303~~816

15,~~575~~292

2843,~~398~~214

3146,~~015~~307

TOTAL NONINTEREST EXPENSES

~~116~~85,~~244~~927

~~109~~111,~~446~~053

~~229~~315,~~839~~766

~~220~~331,~~489~~542

INCOME BEFORE INCOME TAXES

5184,~~696~~686

6461,~~800~~570

~~118~~203,~~993~~679

~~132~~194,~~894~~464

Income taxes (includes $5,319 and $63 of income tax benefit reclassified from accumulated other comprehensive income for the three months ended June 30, 2024 and 2023, respectively, and $11,081 and $535 of income tax benefit reclassified from accumulated other comprehensive income for the six months ended June 30, 2024 and 2023, respectively)

11,954

15,384

27,544

30,702

Income taxes (includes $(5,729) and $9,877 of income tax (expense) benefit reclassified from accumulated other comprehensive income for the three months ended September 30, 2024 and 2023, respectively, and $5,352 and $19,253 of income tax benefit reclassified from accumulated other comprehensive income for the nine months ended September 30, 2024 and 2023, respectively)

20,533

13,479

48,077

44,181

NET INCOME

3964,~~742~~153

4948,~~416~~091

91155,~~449~~602

~~102~~150,~~192~~283

Preferred dividends

(2,~~012~~013)

(46,~~025~~038)

NET INCOME AVAILABLE TO COMMON STOCKHOLDERS

3762,~~730~~140

4746,~~404~~078

87149,~~424~~564

98144,~~167~~245

EARNINGS PER COMMON SHARE - BASIC

01.8845

1.1108

23.0349

23.3038

EARNINGS PER COMMON SHARE - DILUTED

01.8844

1.1108

23.0347

23.3037

CASH DIVIDENDS DECLARED PER COMMON SHARE

0.30

0.6090

See accompanying notes to consolidated financial statements.

HEARTLAND FINANCIAL USA, INC. CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited)(Dollars in thousands)
	Three Months EndedJune 30,				Six Months EndedJune 30,
	Three Months EndedSeptember 30,				Nine Months EndedSeptember 30,
	2024		2023		2024		2023
NET INCOME	$	3964,~~742~~153	$	4948,~~416~~091	$	91155,~~449~~602	$	~~102~~150,~~192~~283
OTHER COMPREHENSIVE INCOME (LOSS)
Changes in available for sale ("AFS") securities:
Net change in unrealized loss on securities	5104,~~755~~064		(43128,~~558~~987)		(895,~~874)~~190		22(106,~~609~~378)
Reclassification adjustment for net losses on hedged AFS securities	8,398		29,510		28,549		29,510
Reclassification adjustment for net losses (gains) on hedged AFS securities	(34,374)		36,362		(5,825)		65,872
Reclassification adjustment for net losses realized in net income	10,556		325		10,556		1,429
Reclassification adjustment for net losses (gains) realized in net income	9,299		(59)		19,855		1,370
Income tax benefit (expense)	(519,~~881~~715)		322,~~366~~943		(726,~~253~~968)		~~(14~~8,~~555)~~388
Other comprehensive income (loss) on AFS securities	1859,~~828~~274		(1069,~~357~~741)		2282,~~978~~252		38(30,~~993~~748)
Changes in securities held to maturity:
Net amortization of unrealized losses on securities transferred from AFS	2,~~550~~707		2,~~768~~893		58,~~393~~100		58,~~508~~401
Income tax expense	(~~418~~676)		(~~693~~709)		(1,~~123~~799)		(12,~~753~~462)
Other comprehensive income on held to maturity securities	2,~~132~~031		2,~~075~~184		46,~~270~~301		35,~~755~~939
Change in cash flow hedges:
Net change in unrealized gain on derivatives	—		—		—		1,952
Reclassification adjustment for net (gains) losses on derivatives realized in net income	(245)		(63)		(210)		701
Reclassification adjustment for net losses (gains) on derivatives realized in net income	(247)		(63)		(457)		638
Income tax benefit (expense)	60		2422		61121		(~~635~~613)
Other comprehensive income (loss) on cash flow hedges	(~~185~~187)		(3941)		(~~149~~336)		21,~~018~~977
Other comprehensive income (loss)	2061,~~775~~118		(867,~~321~~598)		2788,~~099~~217		44(22,~~766~~832)
TOTAL COMPREHENSIVE INCOME	$	60,517	$	41,095	$	118,548	$	146,958
TOTAL COMPREHENSIVE INCOME (LOSS)	$	125,271	$	(19,507)	$	243,819	$	127,451
See accompanying notes to consolidated financial statements.

HEARTLAND FINANCIAL USA, INC.CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited)(Dollars in thousands)
	Six Months EndedJune 30,
	Nine Months EndedSeptember 30,
	2024		2023
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$	91155,~~449~~602	$	~~102~~150,~~192~~283
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	913,~~071~~423		1015,~~519~~467
Provision for credit losses	916,~~994~~270		89,~~453~~969
Net amortization of premium on securities	912,~~152~~670		1423,~~848~~332
Securities losses, net	1019,~~053~~573		1,~~418~~532
Unrealized gain on equity securities, net	(~~228~~605)		(~~152~~165)
Stock based compensation	68,~~109~~247		67,~~893~~742
Loans originated for sale	—		(86122,~~860~~764)
Proceeds on sales of loans held for sale	5,175		80138,~~641~~603
Net gains on sale of loans held for sale	(104)		(23,~~857~~762)
(Increase) decrease in accrued interest receivable	2,761		(2,135)
Decrease (increase) in accrued interest receivable	6,967		(9,203)
Decrease (increase) in prepaid expenses	(1,238)		2,647
Decrease in prepaid expenses	4,580		964
Increase (decrease) in accrued interest payable	(16,065)		30,446
(Decrease) increase in accrued interest payable	(8,562)		46,697
Capitalization of servicing rights	—		(24)
Loss (gain) on sales/valuations of assets, net	407		(2,257)
(Gain) loss on sales/valuations of assets, net	(26,012)		(2,149)
Net excess tax expense from stock based compensation	(~~418~~189)		(75115)
Income from fair value hedge activity	~~670~~772		—
Other, net	50105,~~334~~946		21140,~~028~~670
NET CASH PROVIDED BY OPERATING ACTIVITIES	~~177~~313,~~122~~753		~~184~~397,~~725~~077
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase of time deposits in other financial institutions	~~(100)~~190		—
Proceeds from the sale of securities available for sale	97128,~~836~~872		~~286~~331,~~738~~196
Proceeds from the maturity of and principal paydowns on securities available for sale	~~437~~748,~~260~~070		~~336~~480,~~175~~362
Proceeds from the maturity of and principal paydowns on securities held to maturity	17,~~033~~322		~~298~~2,325
Proceeds from the maturity of time deposits in other financial institutions	—		250
Proceeds from the sale, maturity of, redemption of and principal paydowns on other investments	4850,~~260~~144		613,~~761~~255
Purchase of securities available for sale	(91204,~~436~~864)		(~~265~~276,~~959~~635)
Purchase of other investments	(2728,~~164~~096)		(428,~~474~~851)
Net (increase) decrease in loans	61,949		(307,920)
Net decrease (increase) in loans	247,337		(505,924)
Purchase of bank owned life insurance policies	(~~211~~223)		(~~206~~226)
Proceeds from sale of mortgage servicing rights	—		6,714
Capital expenditures and investments	(21,~~765~~199)		(35,~~043~~701)
Proceeds from the sale of premises, furniture and equipment	1,~~776~~955		14,~~321~~446
Proceeds on sale of OREO and other repossessed assets	9,833		5,077
Net cash expended in divestitures	(176,764)		—
NET CASH PROVIDED BY INVESTING ACTIVITIES	536,271		61,732
Proceeds on sale of OREO and other repossessed assets	10,224		5,672
NET CASH PROVIDED BY INVESTING ACTIVITIES	782,968		26,883

HEARTLAND FINANCIAL USA, INC.CONSOLIDATED STATEMENTS OF CASH FLOWS, CONTINUED (Unaudited)(Dollars in thousands)
HEARTLAND FINANCIAL USA, INC.CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited)(Dollars in thousands)
	Six Months EndedJune 30,
	Nine Months EndedSeptember 30,
	2024		2023
CASH FLOWS FROM FINANCING ACTIVITIES:
Net decrease in demand deposits	$	(~~123~~359,~~484~~349)	$	(~~803~~908,~~482~~527)
Net decrease in savings deposits	(43,774)		(1,221,795)
Net increase (decrease) in savings deposits	404,939		(1,239,480)
Net increase (decrease) in time deposit accounts	(539,558)		2,175,811
Net (decrease) increase in time deposit accounts	(762,215)		1,735,991
Net increase (decrease) in borrowings	53,840		(281,753)
Net decrease in borrowings	(50,545)		(285,255)
Proceeds from Bank Term Funding Program advances	500,000		—
Proceeds from short term FHLB advances	643,309		51,000
Proceeds from short-term FHLB advances	643,309		617,391
Repayments of short term FHLB advances	(1,124,495)		(101,000)
Repayments of short-term FHLB advances	(1,164,495)		(315,619)
Repayments of term debt	—		(60740)
Proceeds from issuance of common stock	1,~~454~~643		1,~~456~~527
Dividends paid	(2944,~~752~~627)		(2944,~~534~~340)
NET CASH USED BY FINANCING ACTIVITIES	(~~662~~831,~~460~~340)		(~~209~~439,~~357~~052)
Net increase in cash and cash equivalents	50,933		37,100
Net increase (decrease) in cash and cash equivalents	265,381		(15,092)
Cash and cash equivalents at beginning of year	323,013		363,087
CASH AND CASH EQUIVALENTS AT END OF PERIOD	$	~~373~~588,~~946~~394	$	~~400~~347,~~187~~995
Supplemental disclosures:
Cash paid for income/franchise taxes	$	1125,~~511~~190	$	4047,~~303~~240
Cash paid for interest	~~210~~299,~~460~~899		~~122~~206,~~688~~113
Loans transferred to OREO	5,~~111~~215		~~239~~12,776
Transfer of premises from premises, furniture and equipment, net, to premises, furniture and equipment held for sale	138,~~155~~478		34,~~741~~091
Transfer of premises from premises, furniture and equipment held for sale to premises, furniture and equipment, net	—350		5,825
Deposits transferred to held for sale	538,308		—
Dividends declared, not paid	2,434		2,141
Loans transferred to held for sale	348,761		—
Dividends declared, not paid	2,071		2,074
Sales of securities available for sale, accrued, not settled	4,181		—
See accompanying notes to consolidated financial statements.

HEARTLAND FINANCIAL USA, INC.CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY (Unaudited)(Dollars in thousands, except per share data)
	Heartland Financial USA, Inc. Stockholders' Equity
	Preferred Stock		Common Stock		Capital Surplus		Retained Earnings		Accumulated Other Comprehensive Loss		Total Equity
Balance at March 31, 2023	$	110,705	$	42,559	$	1,084,112	$	1,158,948	$	(566,919)	$	1,829,405
Comprehensive (loss) income							49,416		(8,321)		41,095
Cash dividends declared:
Preferred, $175.00 per share							(2,012)				(2,012)
Common, $0.30 per share							(12,830)				(12,830)
Issuance of 85,818 shares of common stock			86		1,072						1,158
Stock based compensation					2,174						2,174
Balance at June 30, 2023	$	110,705	$	42,645	$	1,087,358	$	1,193,522	$	(575,240)	$	1,858,990
Comprehensive income (loss)							48,091		(67,598)		(19,507)
Cash dividends declared:
Preferred, $175.00 per share							(2,013)				(2,013)
Common, $0.30 per share							(12,860)				(12,860)
Issuance of 11,759 shares of common stock			11		60						71
Stock based compensation					849						849
Balance at September 30, 2023	$	110,705	$	42,656	$	1,088,267	$	1,226,740	$	(642,838)	$	1,825,530
Balance at January 1, 2023	$	110,705	$	42,467	$	1,080,964	$	1,120,925	$	(620,006)	$	1,735,055
Comprehensive income (loss)							~~102~~150,~~192~~283		44(22,~~766~~832)		~~146~~127,~~958~~451
Cash dividends declared:
Preferred, $350.00 per share							(4,025)				(4,025)
Preferred, $525.00 per share							(6,038)				(6,038)
Common, $0.60 per share							(25,570)				(25,570)
Common, $0.90 per share							(38,430)				(38,430)
Issuance of 177,150 shares of common stock			178		(499)						(321)
Issuance of 188,909 shares of common stock			189		(439)						(250)
Stock based compensation					67,~~893~~742						67,~~893~~742
Balance at June 30, 2023	$	110,705	$	42,645	$	1,087,358	$	1,193,522	$	(575,240)	$	1,858,990
Balance at September 30, 2023	$	110,705	$	42,656	$	1,088,267	$	1,226,740	$	(642,838)	$	1,825,530
Balance at March 31, 2024	$	110,705	$	42,784	$	1,093,207	$	1,178,330	$	(446,193)	$	1,978,833
Comprehensive (loss) income							39,742		20,775		60,517
Cash dividends declared:
Preferred, $175.00 per share							(2,012)				(2,012)
Common, $0.30 per share							(12,968)				(12,968)
Issuance of 68,510 shares of common stock			68		1,049						1,117
Stock based compensation					2,363						2,363
Balance at June 30, 2024	$	110,705	$	42,852	$	1,096,619	$	1,203,092	$	(425,418)	$	2,027,850
Comprehensive income (loss)							64,153		61,118		125,271
Cash dividends declared:
Preferred, $175.00 per share							(2,013)				(2,013)
Common, $0.30 per share							(12,985)				(12,985)
Issuance of 31,685 shares of common stock			32		80						112
Stock based compensation					2,138						2,138
Balance at September 30, 2024	$	110,705	$	42,884	$	1,098,837	$	1,252,247	$	(364,300)	$	2,140,373
Balance at January 1, 2024	$	110,705	$	42,688	$	1,090,740	$	1,141,501	$	(452,517)	$	1,933,117
Comprehensive income (loss)							91155,~~449~~602		2788,~~099~~217		~~118~~243,~~548~~819
Cash dividends declared:
Preferred, $350.00 per share							(4,025)				(4,025)
Preferred, $525.00 per share							(6,038)				(6,038)
Common, $0.60 per share							(25,833)				(25,833)
Common, $0.90 per share							(38,818)				(38,818)
Issuance of 164,172 shares of common stock			164		(230)						(66)
Issuance of 195,857 shares of common stock			196		(150)						46
Stock based compensation					68,~~109~~247						68,~~109~~247
Balance at June 30, 2024	$	110,705	$	42,852	$	1,096,619	$	1,203,092	$	(425,418)	$	2,027,850
Balance at September 30, 2024	$	110,705	$	42,884	$	1,098,837	$	1,252,247	$	(364,300)	$	2,140,373
See accompanying notes to consolidated financial statements.

HEARTLAND FINANCIAL USA, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

NOTE 1: BASIS OF PRESENTATION

The interim unaudited consolidated financial statements contained herein should be read in conjunction with the audited consolidated financial statements and accompanying notes to the consolidated financial statements for the fiscal year ended December 31, 2023, included in the Annual Report on Form 10-K of Heartland Financial USA, Inc. ("HTLF") filed with the Securities and Exchange Commission ("SEC") on February 23, 2024. Footnote disclosures to the interim unaudited consolidated financial statements which would substantially duplicate the disclosure contained in the footnotes to the audited consolidated financial statements have been omitted.

The financial information included herein has been prepared in accordance with U.S. generally accepted accounting principles for interim financial reporting and has been prepared pursuant to the rules and regulations for reporting on Form 10-Q and Rule 10-01 of Regulation S-X. Such information reflects all adjustments (consisting of normal recurring adjustments), that are, in the opinion of management, necessary for a fair presentation of the financial position and results of operations for the periods presented. The results of the interim period ended ~~June~~September 30, 2024, are not necessarily indicative of the results expected for the year ending December 31, 2024.

On April 28, 2024 (the “Signing Date”), HTLF entered into an Agreement and Plan of Merger (the “Merger Agreement”) with UMB Financial Corporation, a Missouri corporation (“UMB”) and Blue Sky Merger Sub Inc., a Delaware corporation and wholly owned subsidiary of UMB (“Blue Sky Merger Sub”). The Merger Agreement provides that, upon the terms and subject to the conditions set forth therein, (i) Blue Sky Merger Sub will merge with and into HTLF (the “Merger”), with HTLF surviving the Merger as a wholly owned subsidiary of UMB (the “Surviving Entity”) and (ii) immediately following the effective time of the Merger (the “Effective Time”) and as part of a single, integrated transaction, the Surviving Entity will merge with and into UMB (the “Second Merger”, and together with the Merger, the “Mergers”), with UMB surviving the Second Merger (the “Surviving Corporation”). On the day immediately following the closing date of the Mergers, UMB will cause HTLF’s wholly owned banking subsidiary, HTLF Bank, to merge with and into UMB’s wholly owned banking subsidiary, UMB Bank, National Association (the “Bank Merger”), with UMB Bank, National Association continuing as the surviving bank in the Bank Merger. The Merger Agreement was unanimously approved by the Board of Directors of each of HTLF and UMB.

Upon the terms and subject to the conditions set forth in the Merger Agreement, at the Effective Time, each share of common stock, par value $1.00 per share, of HTLF (“HTLF Common Stock”) issued and outstanding immediately prior to the Effective Time, other than certain shares held by UMB or HTLF, will be converted into the right to receive 0.55 shares (the “Exchange Ratio,” and such shares, the “Merger Consideration”) of common stock, $1.00 par value, of UMB (“UMB Common Stock”) and cash in lieu of fractional shares. At the Effective Time, each share of 7.00% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series E, par value $1.00 per share of HTLF (the “HTLF Preferred Stock”), issued and outstanding immediately before the Effective Time will be converted into the right to receive one share of a newly created series of preferred stock of UMB (“UMB Preferred Stock”) with such rights, preferences, privileges and powers (including voting powers) as set forth in the Certificate of Designations attached as an exhibit to the Merger Agreement.

Earnings Per Share

Basic earnings per share is determined using net income available to common stockholders and weighted average common shares outstanding. Diluted earnings per share is computed by dividing net income available to common stockholders by the weighted average common shares and assumed incremental common shares issued. Amounts used in the determination of basic and diluted earnings per share for the three- and ~~six~~nine- months ended ~~June~~September 30, 2024 and 2023, are shown in the table below, dollars and number of shares in thousands, except per share data:

	Three Months EndedJune 30,
	Three Months EndedSeptember 30,
	2024		2023
Net income attributable to HTLF	$	3964,~~742~~153	$	4948,~~416~~091
Preferred dividends	(2,~~012~~013)		(2,~~012~~013)
Net income available to common stockholders	$	3762,~~730~~140	$	4746,~~404~~078
Weighted average common shares outstanding for basic earnings per share	4243,~~918~~000		42,~~696~~761
Assumed incremental common shares issued upon vesting of outstanding restricted stock units	~~142~~195		6252
Weighted average common shares for diluted earnings per share	43,~~060~~195		42,~~758~~813
Earnings per common share — basic	$	01.8845	$	1.1108
Earnings per common share — diluted	$	01.8844	$	1.1108
Number of antidilutive common stock equivalents excluded from diluted earnings per share computation	88—		59204
Number of antidilutive stock options excluded from diluted earnings per share computation	5331		~~221~~58
	Six Months EndedJune 30,
	Nine Months EndedSeptember 30,
	2024		2023
Net income	$	91155,~~449~~602	$	~~102~~150,~~192~~283
Preferred dividends	(46,~~025~~038)		(46,~~025~~038)
Net income available to stockholders	$	87149,~~424~~564	$	98144,~~167~~245
Weighted average common shares outstanding for basic earnings per share	42,~~862~~908		42,~~655~~681
Assumed incremental common shares issued upon vesting of outstanding restricted stock units	~~139~~172		9889
Weighted average common shares for diluted earnings per share	43,~~001~~080		42,~~753~~770
Earnings per common share — basic	$	23.0349	$	23.3038
Earnings per common share — diluted	$	23.0347	$	23.3037
Number of antidilutive common stock equivalents excluded from diluted earnings per share computation	6—		95107
Number of antidilutive stock options excluded from diluted earnings per share computation	53		62

Subsequent Events - HTLF has evaluated subsequent events that may require recognition or disclosure through the filing date of this Quarterly Report on Form 10-Q with the SEC.

~~Subsequent~~In early October, HTLF terminated the interest rate swaps designated as fair value hedges with initial notional amounts totaling $838.1 million which were primarily designed to ~~June~~provide ~~30,~~protection ~~2024,~~against unrealized securities losses. Additionally in ~~July~~early ~~2024~~October, HTLF ~~Bank~~terminated ~~closed on~~ the ~~sale~~interest ofrate ~~all~~swaps ~~nine~~designated ~~Rocky~~as ~~Mountain~~fair ~~Bank~~value ~~branches~~hedges inwith ~~Montana,~~total ~~including~~original ~~loans~~notional amounts of $~~343~~2.850 ~~million~~billion ~~and~~which ~~deposits~~were ofused to convert certain long-term fixed rate loans to floating rates to hedge interest rate risk exposure. The $~~531~~1.8 million~~. The~~ ~~expected~~net ~~gain~~fair ofvalue ~~$30 million~~basis will be ~~realized~~amortized inover the ~~third~~remaining ~~quarter~~life of ~~2024~~the underlying assets.

In early November, HTLF paid off the $500.0 million advance from the Bank Term Funding Program ("BTFP"). The BTFP advance was obtained during the first quarter of 2024 and was due in 2025, prepayable at any time without penalty. HTLF Bank pledged $501.8 million of securities to support the borrowings as of September 30, 2024.

Effect of New Financial Accounting Standards

ASU 2023-02

In March 2023, the FASB issued ASU 2023-02 "Investments-Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method (a consensus of the Emerging Issues Task Force)." ASU 2023-02 expands the permitted use of the proportional amortization method, which is currently only available to low-income housing tax credit investments, to other tax equity investments if certain conditions are met. Under the proportional amortization method, the initial cost of an investment is amortized in proportion to the income tax benefits received and both the amortization of the investment and the income tax benefits received are recognized as a component of income tax expense. This ASU was effective on January 1, 2024. HTLF has elected to use the proportional amortization method for investments in low-income housing projects. The amendments in this ASU do not have a material impact on the results of operations or financial position.

low-income housing projects. The amendments in this ASU do not have a material impact on the results of operations or financial position.

ASU 2023-06

In October 2023, the FASB issued ASU 2023-06, "Disclosure Improvements: Codification Amendments in Response to the SEC's Disclosure Update and Simplification Initiative." The amendments in this Update modify the disclosure or presentation requirements of a variety of Topics in the Codification. Certain of the amendments represent clarifications to, or technical corrections of, the current requirements. Each amendment in the ASU will only become effective if the SEC removes the related disclosure or presentation requirement from its existing regulations by June 30, 2027. The amendments in this ASU are not expected to have a material impact on the results of operations or financial position.

ASU 2023-07

In November 2023, the FASB issued ASU 2023-07, "Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures" to improve disclosure requirements, primarily through enhanced disclosures about significant segment expenses. This update does not change how a public entity identifies its operating segments; however, it does require that an entity that has single reportable segment provide all the disclosures required by the amendments in this update. The amendments in this update are effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. A public entity should apply the amendments in this update retrospectively to all prior periods presented in the consolidated financial statements. Early adoption is permitted. We currently have one reportable operating segment. This ASU will not impact our consolidated financial statements and will have minimal impact to our disclosures, requiring identification of the chief operating decision maker and the information used to make operating decisions and to allocate resources.

ASU 2023-09

In December 2023, the FASB issued ASU 2023-09, “Income Taxes (Topic 740): Improvements to Income Tax Disclosures” that require public business entities to annually disclose (1) specific categories in their rate reconciliation; (2) additional information for reconciling items that meet a quantitative threshold; (3) the amount of income taxes paid (net of refunds received) disaggregated by federal, state, and foreign taxes; (4) the amount of income taxes paid (net of refunds received) disaggregated by individual jurisdictions in which the income taxes paid that meet a quantitative threshold; (5) income (or loss) from continuing operations before income tax expense (or benefit) disaggregated between domestic and foreign; and (6) income tax expense (or benefit) from continuing operations disaggregated by federal, state, and foreign. The ASU eliminates the requirement to disclose the nature and estimate of the range of the reasonably possible change in the unrecognized tax benefits balance in the next 12 months and to disclose the cumulative amount of each type of temporary difference when a deferred tax liability is not recognized because of the exceptions to comprehensive recognition of deferred taxes related to subsidiaries and corporate joint ventures. For public business entities, the amendments are effective for annual periods beginning after December 15, 2024. Early adoption is permitted for annual financial statements that have not yet been issued or made available for issuance. The amendments should be applied on a prospective basis, but retrospective application is permitted. HTLF is currently evaluating the impact of the standard and does not anticipate it will have a significant impact on the results of operations, financial position, or liquidity.

Qualified Affordable Housing Investments

HTLF uses the proportional amortization method for investments in low-income housing projects. HTLF’s net investments in low-income housing projects were $5.52 million and $5.9 million as of ~~June~~September 30, 2024, and December 31, 2023, respectively, and are included in other assets in the consolidated balance ~~sheet~~sheets.

With respect to HTLF’s investment in low-income housing projects for the quarter ended ~~June~~September 30, 2024, we recognized income tax credits and other income tax benefits of $257,000 and $33,000, respectively. The total income tax benefits of $290,000 are partially offset in the “income taxes” item in the consolidated statements of income by $235,000 of investment amortization recognized, for a net income tax benefit of $55,000. The cash flows related to the total income tax benefits are presented in the following line items in the consolidated statement of cash flows:

•$55,000 Net Income Tax Benefit, in the "Net income" line item in operating activities;

•$235,000 Investment Amortization, in the "Other, net" line item, which is an adjustment to reconcile net income to cash from operating activities;

•$257,000 Tax Credits, in the "Other, net" line item, which is also an adjustment to reconcile net income to cash from operating activities; and

•$33,000 Other Tax Benefits Recognized, in the "Other, net" line item, which is also an adjustment to reconcile net income to cash from operating activities.

There was no non-income-tax-related activity or impairment losses related to the low-income housing investments this reporting period.

With respect to HTLF’s investment in low-income housing projects for the ~~six~~nine months ended ~~June~~September 30, 2024, we recognized income tax credits and other income tax benefits of $~~513~~770,000 and $6698,000, respectively. The total income tax benefits of $~~579~~868,000 are partially offset in the “income taxes” item in the consolidated statements of income by $~~470~~704,000 of investment amortization recognized, for a net income tax benefit of $~~109~~164,000. The cash flows related to the total income tax benefits are presented in the following line items in the consolidated statement of cash flows:

•$~~109~~164,000 Net Income Tax Benefit, in the "Net income" line item in operating activities;

•$~~470~~704,000 Investment Amortization, in the "Other, net" line item, which is an adjustment to reconcile net income to cash from operating activities;

•$~~513~~770,000 Tax Credits, in the "Other, net" line item, which is also an adjustment to reconcile net income to cash from operating activities; and

•$6698,000 Other Tax Benefits Recognized, in the "Other, net" line item, which is also an adjustment to reconcile net income to cash from operating activities.

There was no non-income-tax-related activity or impairment losses related to the low-income housing investments this reporting period.

NOTE 2: SECURITIES

The amortized cost, gross unrealized gains and losses, and estimated fair values of debt securities available for sale and equity securities with a readily determinable fair value that are carried at fair value as of ~~June~~September 30, 2024, and December 31, 2023, are summarized in the table below, in thousands:

	AmortizedCost		GrossUnrealizedGains		GrossUnrealizedLosses		Estimated Fair Value
June 30, 2024
September 30, 2024
U.S. treasuries	$	157,~~997~~999	$	—12	$	(~~150~~48)	$	157,~~847~~963
U.S. agencies	1211,~~729~~540		—		(~~129~~100)		1211,~~600~~440
Obligations of states and political subdivisions	~~834~~831,~~260~~693		1041		(~~109~~91,~~805~~110)		~~724~~740,~~465~~624
Mortgage-backed securities - agency	1,~~559~~529,~~738~~857		1054		(~~230~~184,~~460~~934)		1,~~329~~344,~~288~~977
Mortgage-backed securities - non-agency	1,~~408~~274,~~505~~395		~~257~~4,627		(7242,~~622~~326)		1,~~336~~236,~~140~~696
Commercial mortgage-backed securities - agency	71,~~770~~504		—		(118,~~269~~971)		6062,~~501~~533
Commercial mortgage-backed securities - non-agency	~~397~~394,~~330~~298		—28		(96,~~391~~385)		387,~~939~~941
Asset-backed securities	~~193~~129,~~022~~896		—		(167,~~640~~166)		~~176~~122,~~382~~730
Corporate bonds	~~121~~122,~~888~~444		—		(12,~~582~~130)		120,~~306~~314
Total debt securities	4,~~615~~373,~~239~~626		~~277~~4,762		(~~452~~343,~~048~~170)		4,~~163~~035,~~468~~218
Equity securities with a readily determinable fair value	2122,~~586~~117		—		—		2122,~~586~~117
Total	$	4,~~636~~395,~~825~~743	$	~~277~~4,762	$	(~~452~~343,~~048~~170)	$	4,~~185~~057,~~054~~335
December 31, 2023
U.S. treasuries	$	32,459	$	—	$	(341)	$	32,118
U.S. agencies	14,724		—		(194)		14,530
Obligations of states and political subdivisions	839,754		25		(98,534)		741,245
Mortgage-backed securities - agency	1,620,409		13		(226,793)		1,393,629
Mortgage-backed securities - non-agency	1,616,414		363		(87,649)		1,529,128
Commercial mortgage-backed securities - agency	76,076		—		(11,288)		64,788
Commercial mortgage-backed securities - non-agency	526,974		—		(12,116)		514,858
Asset-backed securities	232,140		—		(14,770)		217,370
Corporate bonds	120,338		—		(2,169)		118,169
Total debt securities	5,079,288		401		(453,854)		4,625,835
Equity securities with a readily determinable fair value	21,056		—		—		21,056
Total	$	5,100,344	$	401	$	(453,854)	$	4,646,891

The amortized cost, gross unrealized gains and losses and estimated fair values of held to maturity securities as of ~~June~~September 30, 2024, and December 31, 2023, are summarized in the table below, in thousands:

	AmortizedCost		GrossUnrealizedGains		GrossUnrealizedLosses		EstimatedFair Value
June 30, 2024
September 30, 2024
Obligations of states and political subdivisions	$	~~842~~839,~~980~~623	$	29,~~246~~913	(355,~~710~~240)		$	~~809~~844,~~516~~296
Total	$	~~842~~839,~~980~~623	$	29,~~246~~913	$	(355,~~710~~240)	$	~~809~~844,~~516~~296
December 31, 2023
Obligations of states and political subdivisions	$	838,241	$	3,622	$	(25,464)	$	816,399
Total	$	838,241	$	3,622	$	(25,464)	$	816,399

As of ~~June~~September 30, 2024, and December 31, 2023, HTLF had $2624.31 million and $28.0 million, respectively, of accrued interest receivable, which is included in other assets on the consolidated balance sheets. HTLF does not consider accrued interest receivable in the carrying amount of financial assets held at amortized cost basis or in the allowance for credit losses calculation.

The amortized cost and estimated fair value of investment securities carried at fair value at ~~June~~September 30, 2024, by contractual maturity, are as follows, in thousands. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without penalties.

	June 30, 2024
	September 30, 2024
	Amortized Cost		Estimated Fair Value
Due in 1 year or less	$	136,~~642~~008	$	135,~~509~~941
Due in 1 to 5 years	57,~~666~~089		5655,~~991~~615
Due in 5 to 10 years	28,~~145~~718		2426,~~841~~262
Due after 10 years	~~885~~881,~~421~~861		~~777~~792,~~877~~523
Total debt securities	~~984~~973,~~874~~676		~~873~~880,~~218~~341
Mortgage and asset-backed securities	3,~~630~~399,~~365~~950		3,~~290~~154,~~250~~877
Equity securities with a readily determinable fair value	2122,~~586~~117		2122,~~586~~117
Total investment securities	$	4,~~636~~395,~~825~~743	$	4,~~185~~057,~~054~~335

The amortized cost and estimated fair value of debt securities held to maturity at ~~June~~September 30, 2024, by contractual maturity, are as follows, in thousands. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without penalties.

	June 30, 2024
	September 30, 2024
	Amortized Cost		Estimated Fair Value
Due in 1 year or less	$	95,~~259~~723	$	95,~~266~~770
Due in 1 to 5 years	9296,~~315~~350		9197,~~718~~899
Due in 5 to 10 years	~~218~~223,~~329~~032		~~213~~227,~~258~~641
Due after 10 years	~~523~~514,~~077~~518		~~495~~512,~~274~~986
Total debt securities	$	~~842~~839,~~980~~623	$	~~809~~844,~~516~~296

As of ~~June~~September 30, 2024, and December 31, 2023, securities with a carrying value of $23.5747 billion and $2.63 billion, respectively, were pledged to secure public and trust deposits, short-term borrowings and for other purposes as required or permitted by law.

Gross gains and losses realized related to the sales of securities carried at fair value for the three and ~~six~~nine months ended ~~June~~September 30, 2024 and 2023, are summarized as follows, in thousands:

Three Months EndedJune 30,

Six Months EndedJune 30,

Three Months EndedSeptember 30,

Nine Months EndedSeptember 30,

2024

2023

2024

2023

Proceeds from sales

9731,~~836~~036

~~140~~44,~~290~~457

97128,~~836~~872

~~286~~331,~~738~~196

Gross security gains

—

~~483~~803

—

~~483~~1,286

Gross security losses

109,~~556~~299

~~808~~744

1019,~~556~~855

12,~~912~~656

The following table summarizes, in thousands, the amount of unrealized losses, defined as the amount by which cost or amortized cost exceeds fair value, and the related fair value of investments with unrealized losses in the securities portfolio as of ~~June~~September 30, 2024, and December 31, 2023. The investments were segregated into two categories: those that have been in a continuous unrealized loss position for less than 12 months and those that have been in a continuous unrealized loss position for 12 months or more. The reference point for determining how long an investment was in an unrealized loss position was ~~June~~September 30, 2023, and December 31, 2022, respectively.

Debt securities available for sale	Less than 12 months					12 months or longer					Total
	FairValue		UnrealizedLosses		Count	FairValue		UnrealizedLosses		Count	FairValue		UnrealizedLosses		Count
June 30, 2024
September 30, 2024
U.S. treasuries	$	~~2,971~~—	$	~~(25)~~—	1—	$	124,~~876~~955	$	(~~125~~48)	31	$	154,~~847~~955	$	(~~150~~48)	41
U.S. agencies	—		—		—	1211,~~600~~440		(~~129~~100)		4	1211,~~600~~440		(~~129~~100)		4
Obligations of states and political subdivisions	1,~~679~~690		(2410)		3	~~718~~732,~~773~~155		(~~109~~91,~~781~~100)		~~148~~146	~~720~~733,~~452~~845		(~~109~~91,~~805~~110)		~~151~~149
Mortgage-backed securities - agency	—		—		—	1,~~328~~338,~~609~~682		(~~230~~184,~~460~~934)		~~164~~158	1,~~328~~338,~~609~~682		(~~230~~184,~~460~~934)		~~164~~158
Mortgage-backed securities - non-agency	~~259,143~~738		(167,~~261~~756)		61	~~839~~666,~~345~~901		(5634,~~361~~570)		3729	1667,~~098,488~~639		(7242,~~622~~326)		4330
Commercial mortgage-backed securities - agency	—		—		—	6062,~~501~~533		(118,~~269~~971)		15	6062,~~501~~533		(118,~~269~~971)		15
Commercial mortgage-backed securities - non-agency	—7,708		—(106)		—1	~~380~~375,~~125~~513		(96,~~391~~279)		1413	~~380~~383,~~125~~221		(96,~~391~~385)		14
Asset-backed securities	~~120~~91,~~432~~131		(114,~~360~~334)		43	5531,~~950~~599		(52,~~280~~832)		54	~~176~~122,~~382~~730		(167,~~640~~166)		97
Corporate bonds	—		—		—	5754,~~611~~768		(12,~~582~~130)		86	5754,~~611~~768		(12,~~582~~130)		86
Total temporarily impaired securities	$	~~384~~101,~~225~~267	$	(2712,~~670~~206)	148	$	3,~~466~~278,~~390~~546	$	(~~424~~330,~~378~~964)	~~398~~376	$	3,~~850~~379,~~615~~813	$	(~~452~~343,~~048~~170)	~~412~~384
December 31, 2023
U.S. treasuries	$	2,985	$	(12)	1	$	26,138	$	(329)	3	$	29,123	$	(341)	4
U.S. agencies	—		—		—	14,530		(194)		4	14,530		(194)		4
Obligations of states and political subdivisions	1,440		(65)		1	736,653		(98,469)		150	738,093		(98,534)		151
Mortgage-backed securities - agency	194		(2)		2	1,392,769		(226,791)		166	1,392,963		(226,793)		168
Mortgage-backed securities - non-agency	415,934		(24,568)		12	902,291		(63,081)		35	1,318,225		(87,649)		47
Commercial mortgage-backed securities - agency	—		—		—	64,788		(11,288)		17	64,788		(11,288)		17
Commercial mortgage-backed securities - non-agency	—		—		—	507,044		(12,116)		16	507,044		(12,116)		16
Asset-backed securities	148,063		(9,723)		4	69,307		(5,047)		7	217,370		(14,770)		11
Corporate bonds	61,031		(111)		1	57,138		(2,058)		8	118,169		(2,169)		9
Total temporarily impaired securities	$	629,647	$	(34,481)	21	$	3,770,658	$	(419,373)	406	$	4,400,305	$	(453,854)	427

Securities held to maturity	Less than 12 months					12 months or longer					Total
	FairValue		UnrealizedLosses		Count	FairValue		UnrealizedLosses		Count	FairValue		UnrealizedLosses		Count
June 30, 2024
September 30, 2024
Obligations of states and political subdivisions	$	~~27,460~~—	$	~~(472)~~—	9—	$	~~704~~359,~~626~~221	$	(355,~~238~~240)	~~147~~66	$	~~732~~359,~~086~~221	$	(355,~~710~~240)	~~156~~66
Total temporarily impaired securities	$	~~27,460~~—	~~(472)~~—		9—	$	~~704~~359,~~626~~221	$	(355,~~238~~240)	~~147~~66	$	~~732~~359,~~086~~221	(355,~~710~~240)		~~156~~66
December 31, 2023
Obligations of states and political subdivisions	$	145,471	$	(3,706)	23	$	569,691	$	(21,758)	126	$	715,162	$	(25,464)	149
Total temporarily impaired securities	$	145,471	$	(3,706)	23	$	569,691	$	(21,758)	126	$	715,162	$	(25,464)	149

HTLF reviews each security in the investment securities portfolio on a quarterly basis for potential credit losses, taking into consideration numerous factors, and the relative significance of any single factor can vary by security. Some factors HTLF may consider include changes in security ratings, financial condition of the issuer, and security and industry specific economic conditions. With regard to debt securities, HTLF may also evaluate payment structure, whether there are defaulted payments or expected defaults, prepayment speeds and the value of any underlying collateral. For certain debt securities in unrealized loss positions, HTLF prepares cash flow analyses to compare the present value of cash flows expected to be collected from the security with the amortized cost basis of the security.

The unrealized losses on HTLF's commercial mortgage, mortgage and asset-backed securities are the result of changes in market interest rates or widening of market spreads subsequent to HTLF's purchase of the securities. The losses are not related to concerns regarding the underlying credit of the issuers or the underlying collateral. It is expected that the securities will not be settled at a price less than the amortized cost of the investment. Because the decline in fair value is attributable to changes in interest rates or widening market spreads and not credit quality, and because, as of ~~June~~September 30, 2024, HTLF has the intent and ability to hold these investments until a market price recovery or to maturity and does not believe it will be required to sell the securities before maturity, no credit losses were recognized on these securities during the three and ~~six~~nine months ended ~~June~~September 30, 2024 and 2023.

The unrealized losses on HTLF's obligations of states and political subdivisions available for sale are the result of changes in market interest rates or widening of market spreads subsequent to the initial purchase of the securities. Management monitors the published credit ratings of these securities and the stability of the underlying municipalities. Because the declines in fair value are attributable to changes in interest rates or widening market spreads due to insurance company downgrades and not underlying credit quality, and because, as of ~~June~~September 30, 2024, HTLF has the intent and ability to hold these investments until a market price recovery or to maturity and does not believe it will be required to sell the securities before maturity, no credit losses were recognized on these securities during the three and ~~six~~nine months ended ~~June~~September 30, 2024 and 2023.

The following table summarizes, in thousands, the carrying amount of HTLF's held to maturity debt securities by investment rating as of ~~June~~September 30, 2024, and December 31, 2023, which are updated quarterly and used to monitor the credit quality of the securities:

	June 30, 2024		December 31, 2023
	September 30, 2024		December 31, 2023
Rating
AAA	$	~~101~~99,~~620~~869	$	88,550
AA, AA+, AA-	~~565~~562,~~305~~582		583,816
A+, A, A-	~~151~~149,~~225~~549		139,658
BBB	2019,~~288~~762		20,133
Not Rated	47,~~542~~861		6,084
Total	$	~~842~~839,~~980~~623	$	838,241

Included in other investments were shares of stock in Federal Home Loan Bank (the "FHLB") at an amortized cost of $42.12 million at ~~June~~September 30, 2024, and $25.8 million at December 31, 2023.

HTLF Bank is required by federal law to maintain FHLB stock as a member of the FHLB. These equity securities are "restricted" in that they can only be sold back to the respective institutions from which they were acquired or another member institution at par. Therefore, the FHLB stock is less liquid than other marketable equity securities, and the fair value approximates amortized cost. HTLF considers its FHLB stock as a long-term investment that provides access to competitive products and liquidity. HTLF evaluates impairment in these investments based on the ultimate recoverability of the par value and, at ~~June~~September 30, 2024, and December 31, 2023, did not consider the investments to be impaired.

NOTE 3: LOANS

Loans as of ~~June~~September 30, 2024, and December 31, 2023, were as follows, in thousands:

	June 30, 2024		December 31, 2023
	September 30, 2024		December 31, 2023
Loans receivable held to maturity:
Commercial and industrial	$	3,~~541~~503,~~239~~093	$	3,652,047
Paycheck Protection Program ("PPP")	1,~~864~~582		2,777
Owner occupied commercial real estate	2,~~555~~489,~~964~~697		2,638,175
Non-owner occupied commercial real estate	2,~~434~~455,~~258~~396		2,553,711
Real estate construction	1,~~082~~119,~~726~~922		1,011,716
Agricultural and agricultural real estate	~~802~~701,~~958~~211		919,184
Residential real estate	~~733~~707,~~401~~984		797,829
Consumer	~~455~~462,~~899~~032		493,206
Total loans receivable held to maturity	11,~~608~~440,~~309~~917		12,068,645
Allowance for credit losses	(~~126~~106,~~861~~797)		(122,566)
Loans receivable, net	$	11,~~481~~334,~~448~~120	$	11,946,079

As of ~~June~~September 30, 2024, and December 31, 2023, HTLF had $6460.41 million and $65.4 million, respectively, of accrued interest receivable, which is included in other assets on the consolidated balance sheets. HTLF does not consider accrued interest receivable in the allowance for credit losses calculation.

The following table shows the balance in the allowance for credit losses at ~~June~~September 30, 2024, and December 31, 2023, and the related loan balances, disaggregated on the basis of measurement methodology, in thousands. If a loan no longer shares similar risk characteristics with other loans in the pool, it is evaluated on an individual basis and is not included in the collective evaluation. Lending relationships on nonaccrual with $500,000 or more of total exposure are individually assessed using a collateral dependency calculation. All other loans are collectively evaluated for losses.

	Allowance For Credit Losses						Gross Loans Receivable Held to Maturity
	Individually Evaluated for Credit Losses		Collectively Evaluated for Credit Losses		Total		Loans Individually Evaluated for Credit Losses		Loans Collectively Evaluated for Credit Losses		Total
June 30, 2024
September 30, 2024
Commercial and industrial	$	223,~~729~~185	$	2220,~~071~~234	$	4423,~~800~~419	$	4218,~~667~~428	$	3,~~498~~484,~~572~~665	$	3,~~541~~503,~~239~~093
PPP	—		—		—		—		1,~~864~~582		1,~~864~~582
Owner occupied commercial real estate	32		1413,~~711~~249		1413,~~714~~251		122,~~582~~633		2,~~543~~487,~~382~~064		2,~~555~~489,~~964~~697
Non-owner occupied commercial real estate	—4,447		1312,~~697~~972		1317,~~697~~419		—10,108		2,~~434~~445,~~258~~288		2,~~434~~455,~~258~~396
Real estate construction	22		3235,~~188~~458		3235,~~210~~480		697		1,~~082~~119,~~029~~225		1,~~082~~119,~~726~~922
Agricultural and agricultural real estate	62,~~773~~277		21,~~132~~526		83,~~905~~803		3118,~~484~~204		~~771~~683,~~474~~007		~~802~~701,~~958~~211
Residential real estate	—		5,~~036~~355		5,~~036~~355		727		~~732~~707,~~674~~257		~~733~~707,~~401~~984
Consumer	—		78,~~499~~070		78,~~499~~070		—		~~455~~462,~~899~~032		~~455~~462,~~899~~032
Total	$	299,~~527~~933	$	9796,~~334~~864	$	~~126~~106,~~861~~797	$	8850,~~157~~797	$	11,~~520~~390,~~152~~120	$	11,~~608~~440,~~309~~917
December 31, 2023
Commercial and industrial	$	18,425	$	22,254	$	40,679	$	41,847	$	3,610,200	$	3,652,047
PPP	—		—		—		—		2,777		2,777
Owner occupied commercial real estate	—		17,156		17,156		30,400		2,607,775		2,638,175
Non-owner occupied commercial real estate	—		17,249		17,249		—		2,553,711		2,553,711
Real estate construction	56		28,717		28,773		697		1,011,019		1,011,716
Agricultural and agricultural real estate	1,932		2,360		4,292		6,700		912,484		919,184
Residential real estate	—		5,845		5,845		741		797,088		797,829
Consumer	—		8,572		8,572		—		493,206		493,206
Total	$	20,413	$	102,153	$	122,566	$	80,385	$	11,988,260	$	12,068,645

The following tables show the amortized cost basis as of ~~June~~September 30, 2024 and ~~June~~September 30, 2023, of the loans modified during the three and ~~six~~nine months ended ~~June~~September 30, 2024 and ~~June~~September 30, 2023, to borrowers experiencing financial difficulty by loan category and type of concession granted, dollars in thousands.

	Loan Modifications Made to Borrowers Experiencing Financial Difficulty
	Term Extension				Term Extension and Interest Only Payments				Term Extension and Interest Rate Reduction
For the Three Months Ended June 30, 2024	AmortizedCost Basis		% of LoanCategory		AmortizedCost Basis		% of LoanCategory		AmortizedCost Basis		% of LoanCategory
For the Three Months EndedSeptember 30, 2024	AmortizedCost Basis		% of LoanCategory		AmortizedCost Basis		% of LoanCategory		AmortizedCost Basis		% of LoanCategory
Non-owner occupied commercial real estate	$	614	0.03	%	$	—	—	%	$	—	—	%
Commercial and industrial	$	1,068	0.03	%	$	—	—	%	$	—	—	%
Real estate construction	—86		—0.01		—		—		~~3,116~~—		~~0.29~~—
Residential real estate	1,348		0.18		—		—		—		—
Agricultural and agricultural real estate	—		—		—		—		—		—
Consumer	169		0.04		—		—		—		—
Total	$	1,154	0.01	%	$	—	—	%	$	—	—	%
Total	$	2,131	0.02	%	$	—	—	%	$	3,116	0.03	%

	Loan Modifications Made to Borrowers Experiencing Financial Difficulty
	Term Extension				Term Extension and Interest Only Payments				Term Extension and Interest Rate Reduction
For the Three Months Ended June 30, 2023	AmortizedCost Basis		% of LoanCategory		AmortizedCost Basis		% of LoanCategory		AmortizedCost Basis		% of LoanCategory
For the Three Months EndedSeptember 30, 2023	AmortizedCost Basis		% of LoanCategory		AmortizedCost Basis		% of LoanCategory		AmortizedCost Basis		% of LoanCategory
Commercial	$	1,411	0.04	%	$	—	—	%	$	—	—	%
Commercial and industrial	$	—	—	%	$	—	—	%	$	—	—	%
Agricultural and agricultural real estate	1,354		0.16		—		—		—		—
Real estate construction	—		—		—		—		—		—
Total	$	2,765	0.02	%	$	—	—	%	$	—	—	%
Agricultural and agricultural real estate	1,992		0.24		—		—		—		—
Total	$	1,992	0.02	%	$	—	—	%	$	—	—	%

	Loan Modifications Made to Borrowers Experiencing Financial Difficulty
	Term Extension				Term Extension andInterest Only Payments					Term Extension and Interest Rate Reduction
For the Six Months Ended June 30, 2024	AmortizedCost Basis		% of LoanCategory		AmortizedCost Basis			% of LoanCategory		AmortizedCost Basis		% of LoanCategory
For the Nine Months EndedSeptember 30, 2024	AmortizedCost Basis		% of LoanCategory		AmortizedCost Basis			% of LoanCategory		AmortizedCost Basis		% of LoanCategory
Commercial	$	266	0.01	%	$	—		—	%	$	—	—	%
Commercial and industrial	$	1,285	0.04	%	$	—		—	%	$	—	—	%
Owner occupied commercial real estate	—		—		—			—		—		—
Non-owner occupied commercial real estate	614		0.03		—		0	—		—		—
Real estate construction	~~739~~86		0.0701		—			—		3,116		0.2928
Residential real estate	1,~~348~~347		0.1819		—			—		—		—
Consumer	~~169~~163		0.04		—			—
Total	$	3,~~136~~495	0.03	%	$	—		—	%	$	3,116	0.03	%

	Loan Modifications Made to Borrowers Experiencing Financial Difficulty
	Term Extension				Term Extension andInterest Only Payments				Term Extension and Interest Rate Reduction
For the Six Months Ended June 30, 2023	AmortizedCost Basis		% of LoanCategory		AmortizedCost Basis		% of LoanCategory		AmortizedCost Basis		% of LoanCategory
For the Nine Months EndedSeptember 30, 2023	AmortizedCost Basis		% of LoanCategory		AmortizedCost Basis		% of LoanCategory		AmortizedCost Basis		% of LoanCategory
Commercial	$	5,073	0.14	%	$	—	—	%	$	—	—	%
Commercial and industrial	$	4,233	0.12	%	$	—	—	%	$	—	—	%
Owner occupied commercial real estate	—		—		5,043		0.21		—		—
Real estate construction	1,477		0.15		—		—		—		—
Non-owner occupied commercial real estate	—		—		—		—		—		—
Agricultural and agricultural real estate	1,354		0.16		—		—		—		—
Real estate construction	1,453		0.14		—		—		—		—
Residential real estate	752		0.09		—		—		—		—
Agricultural and agricultural real estate	3,546		0.42		—		—		—		—
Total	$	8,656	0.07	%	$	5,043	0.04	%	$	—	—	%
Residential real estate	741		0.09		—		—		—		—
Total	$	9,973	0.08	%	$	5,043	0.04	%	$	—	—	%

The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty in the ~~six~~nine months ending ~~June~~September 30, 2024 and ~~June~~September 30, 2023.

For the Six Months Ended June 30, 2024	Weighted AverageTerm Extension(months)	Weighted AverageTerm Extension and Interest Only Payments (months)	Weighted Average Term Extension and Interest Rate Reduction (months)
For the Nine Months EndedSeptember 30, 2024	Weighted AverageTerm Extension(Months)	Weighted AverageTerm Extension and Interest Only Payments (Months)	Weighted Average Term Extension and Interest Rate Reduction (Months)
Commercial and industrial	68	0	0
Non-owner occupied commercial real estate	413	0	25
Real estate construction	413	0	0
Residential real estate	24	0	0
Consumer	8683	0	0

For the Six Months Ended June 30, 2023	Weighted AverageTerm Extension(months)	Weighted AverageTerm Extension and Interest Only Payments (months)	Weighted Average Term Extension and Interest Rate Reduction (months)
For the Nine Months EndedSeptember 30, 2023	Weighted AverageTerm Extension(Months)	Weighted AverageTerm Extension and Interest Only Payments (Months)	Weighted Average Term Extension and Interest Rate Reduction (Months)
Commercial and industrial	98	0	0
Owner occupied commercial real estate	0	12	0
Real estate construction	6	0	0
Agricultural and agricultural real estate	911	0	0
Residential real estate	12	0	0

At ~~June~~September 30, 2024, there were no unfunded commitments to extend credit to the borrowers experiencing financial difficulty.

HTLF had no loans to borrowers experiencing financial difficulty that had a payment default during the three and ~~six~~nine months ended ~~June~~September 30, 2024, that had been modified in the twelve-month period prior to the default.

HTLF closely monitors the performance of the loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following tables show the performance of loans that have been modified in the ~~six~~nine months ended ~~June~~September 30, 2024 and ~~June~~September 30, 2023, dollars in thousands.

	Accruing Loans
	30-59DaysPast Due		60-89DaysPast Due		90 Days orMore Past Due		Total Past Due		Current		Nonaccrual
June 30, 2024
September 30, 2024
Commercial and industrial	$	—	$	—	$	—	$	—	$	~~267~~1,285	$	—
Non-owner occupied commercial real estate	—		—614		—		—614		~~614~~—		—
Real estate construction	—		—		—		—		3,~~855~~116		—86
Residential real estate	—		—1,347		—		—1,347		~~1,347~~—		—
Consumer	—		—		—		—		—		~~169~~163
Total	$	—	$	—1,961	$	—	$	—1,961	$	64,~~083~~401	$	~~169~~249

	Accruing Loans
	30-59DaysPast Due		60-89DaysPast Due		90 Days orMore Past Due		Total Past Due		Current		Nonaccrual
June 30, 2023
September 30, 2023
Commercial and industrial	$	—	$	—	$	—	$	—	$	54,~~073~~233	$	—
Owner occupied commercial real estate	—		—		—		—		5,043		—
Real estate construction	—		—		—		—		—		1,~~477~~453
Agricultural and agricultural real estate	—		—		—		—		13,~~354~~546		—
Residential real estate	—		—		—		—		—		~~752~~741
Total	$	—	$	—	$	—	$	—	$	1112,~~470~~822	$	2,~~229~~194

HTLF's internal rating system is a series of grades reflecting management's credit risk assessment, based on its analysis of the borrower's financial condition. The "pass" category consists of all loans that are not in the "nonpass" category and consists of a range of loan grades that reflect increasing, though still acceptable, risk. Movement of risk through the various grade levels in the pass category is monitored for early identification of credit deterioration and risk rating migration analysis.

The "nonpass" category consists of watch, substandard, doubtful and loss rated loans. The "watch" rating is attached to loans where the borrower exhibits negative trends in financial circumstances due to borrower specific or systemic conditions that, if left uncorrected, threaten the borrower's capacity to meet its debt obligations. The borrower is believed to have sufficient financial flexibility to react to and resolve its negative financial situation. These credits are closely monitored for improvement or deterioration.

The "substandard" rating is assigned to loans that are inadequately protected by the current net worth and repaying capacity of the borrower and that may be further at risk due to deterioration in the value of collateral pledged. Well-defined weaknesses jeopardize liquidation of the debt. These loans are still considered collectible; however, a distinct possibility exists that HTLF will sustain some loss if deficiencies are not corrected. Substandard loans may exhibit some or all of the following weaknesses: deteriorating financial trends, insufficient earnings, inadequate debt service capacity, excessive debt and/or lack of liquidity.

The "doubtful" rating is assigned to loans where identified weaknesses in the borrowers' ability to repay these loans make collection or liquidation in full, on the basis of existing facts, conditions and values, highly questionable and improbable. These borrowers are usually in default, lack liquidity, capital, and the resources necessary to remain as an operating entity. Specific pending events, such as capital injections, liquidations or perfection of liens on additional collateral, may strengthen the credit, thus deferring the rating of the loan as "loss" until the exact status of the loan can be determined. The "loss" rating is assigned to loans considered uncollectible. HTLF had no loans classified as "loss" or "doubtful" as of ~~June~~September 30, 2024, and December 31, 2023.

The following table shows the risk category of loans by loan category, year of origination and charge-offs as of ~~June~~September 30, 2024, in thousands:

As of June 30, 2024	Amortized Cost Basis of Term Loans by Year of Origination
As of September 30, 2024	Amortized Cost Basis of Term Loans by Year of Origination
	2024		2023		2022		2021		2020		2019 and Prior		Revolving		Total
Commercial and industrial
Pass	$	~~295~~414,~~000~~619	$	~~512~~408,~~146~~974	$	~~618~~566,~~107~~449	$	~~261~~244,~~964~~760	$	~~154~~153,~~860~~020	$	~~358~~343,~~689~~559	$	1,068,~~196~~024	$	3,~~268~~199,~~962~~405
Watch	13,~~856~~954		2854,~~148~~206		3248,~~584~~302		1812,~~695~~535		~~833~~2,173		86,~~763~~583		81105,~~055~~711		~~183~~243,~~934~~464
Substandard	~~312~~7,179		63,~~131~~200		1615,~~329~~092		1,~~723~~086		35,~~751~~652		92,~~041~~865		5125,~~056~~150		8860,~~343~~224
Commercial and industrial total	$	~~309~~435,~~168~~752	$	~~546~~466,~~425~~380	$	~~667~~629,~~020~~843	$	~~282~~258,~~382~~381	$	~~159~~160,~~444~~845	$	~~376~~353,~~493~~007	$	1,~~200~~198,~~307~~885	$	3,~~541~~503,~~239~~093
Commercial and industrial charge-offs	$	—	$	828	$	114,~~127~~391	$	~~784~~813	$	3,~~283~~299	$	302,358	$	29,~~979~~328	$	830,~~211~~217
PPP
Pass	$	—	$	—	$	—	$	1,~~610~~402	$	3122	$	—	$	—	$	1,~~641~~424
Watch	—		—		—		~~223~~158		—		—		—		~~223~~158
Substandard	—		—		—		—		—		—		—		—
PPP total	$	—	$	—	$	—	$	1,~~833~~560	$	3122	$	—	$	—	$	1,~~864~~582
PPP charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Owner occupied commercial real estate
Pass	$	~~110~~118,~~750~~081	$	~~425~~397,~~238~~969	$	~~510~~480,~~666~~966	$	~~711~~698,~~407~~709	$	200,~~668~~112	$	~~368~~345,~~105~~593	$	4238,~~998~~270	$	2,~~369~~279,~~832~~700
Watch	26,~~788~~316		45,~~983~~595		3667,~~793~~107		111,~~004~~421		2,~~920~~811		3941,~~109~~544		—3,346		97128,~~597~~140
Substandard	—		23,~~401~~318		3230,~~536~~964		42,~~913~~764		2010,~~499~~547		714,~~186~~264		—		8881,~~535~~857
Owner occupied commercial real estate total	$	~~113~~124,~~538~~397	$	~~453~~426,~~622~~882	$	579,~~995~~037	$	~~727~~702,~~324~~894	$	~~224~~213,~~087~~470	$	~~414~~401,~~400~~401	$	4241,~~998~~616	$	2,~~555~~489,~~964~~697
Owner occupied commercial real estate charge-offs	$	—	$	—	$	87	$	—	$	~~248~~247	$	6288	$	—	$	~~397~~422
Non-owner occupied commercial real estate
Pass	$	75112,~~332~~658	$	~~423~~462,~~879~~424	$	~~648~~626,~~769~~077	$	~~401~~381,~~764~~385	$	~~181~~169,~~074~~602	$	~~434~~438,~~109~~111	$	16,~~812~~734	$	2,~~181~~206,~~739~~991
Watch	311,~~943~~021		6765,~~195~~250		4461,~~057~~380		420,~~601~~632		42,~~097~~825		6727,~~735~~428		—		~~191~~188,~~628~~536
Substandard	—720		—		~~135~~134		8,~~538~~149		—362		5250,~~218~~504		—		6059,~~891~~869
Non-owner occupied commercial real estate total	$	79124,~~275~~399	$	~~491~~527,~~074~~674	$	~~692~~687,~~961~~591	$	~~414~~410,~~903~~166	$	~~185~~172,~~171~~789	$	~~554~~516,~~062~~043	$	16,~~812~~734	$	2,~~434~~455,~~258~~396
Non-owner occupied commercial real estate charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

As of June 30, 2024	Amortized Cost Basis of Term Loans by Year of Origination
As of September 30, 2024	Amortized Cost Basis of Term Loans by Year of Origination
	2024		2023		2022		2021		2020		2019 and Prior		Revolving		Total
Real estate construction
Pass	$	64126,~~091~~889	$	~~323~~343,~~350~~871	$	~~404~~374,~~646~~867	$	~~104~~81,~~823~~057	$	7,~~544~~059	$	108,~~269~~969	$	76,~~324~~850	$	~~922~~949,~~047~~562
Watch	—		~~917~~—		2040,~~576~~782		4463,~~063~~207		71166		~~24,656~~—		—		90104,~~283~~155
Substandard	~~3,116~~—		9,375		5756,~~650~~656		8811		—12		8165		86		7066,~~396~~205
Real estate construction total	$	67126,~~207~~889	$	~~333~~353,~~642~~246	$	~~482~~472,~~872~~305	$	~~148~~144,~~974~~275	$	7,~~615~~237	$	359,~~006~~034	$	76,~~410~~936	$	1,~~082~~119,~~726~~922
Real estate construction charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Agricultural and agricultural real estate
Pass	$	5074,~~760~~398	$	~~113~~109,~~573~~176	$	~~178~~175,~~283~~308	$	9892,~~886~~490	$	4948,~~712~~115	$	5849,~~360~~247	$	~~204~~117,~~938~~190	$	~~754~~665,~~512~~924
Watch	~~755~~188		31,~~095~~940		~~1,291~~807		~~420~~273		~~152~~31		73802		67,~~648~~012		1211,~~434~~053
Substandard	~~526~~731		~~181~~1,136		198,~~399~~610		21,~~040~~619		~~1,582~~121		12,~~284~~017		—		3624,~~012~~234
Agricultural and agricultural real estate total	$	5275,~~041~~317	$	~~116~~112,~~849~~252	$	~~198~~184,~~973~~725	$	~~101~~94,~~346~~382	$	5148,~~446~~267	$	7062,~~717~~066	$	~~211~~124,~~586~~202	$	~~802~~701,~~958~~211
Agricultural and agricultural real estate charge-offs	$	—	$	—12	$	529,321	$	—17	$	812	$	167	$	648	$	~~875~~10,177
Residential real estate
Pass	$	2634,~~824~~859	$	6156,~~048~~401	$	~~155~~145,~~494~~289	$	~~214~~209,~~982~~388	$	6461,~~465~~100	$	~~173~~162,~~439~~320	$	1918,~~687~~401	$	~~715~~687,~~939~~758
Watch	244		~~534~~1,841		~~998~~1,174		1,~~452~~457		12,~~829~~479		34,~~537~~545		~~250~~171		811,~~602~~711
Substandard	—		~~727~~773		~~140~~833		3,~~222~~161		366		43,~~405~~382		—		8,~~860~~515
Residential real estate total	$	2634,~~826~~903	$	6259,~~309~~015	$	~~156~~147,~~632~~296	$	~~219~~214,~~656~~006	$	6663,~~660~~945	$	~~181~~170,~~381~~247	$	1918,~~937~~572	$	~~733~~707,~~401~~984
Residential real estate charge-offs	$	—	$	—	$	—	$	—	$	—	$	—182	$	—	$	—182
Consumer
Pass	$	1827,~~993~~040	$	3633,~~800~~375	$	5048,~~951~~793	$	2927,~~240~~657	$	32,~~133~~780	$	6,~~709~~461	$	~~301~~307,~~963~~812	$	~~447~~453,~~789~~918
Watch	49353		~~901~~663		94366		~~203~~141		1720		~~802~~862		2,~~546~~248		4,~~612~~653
Substandard	~~334~~169		51158		~~317~~254		~~372~~182		~~108~~190		1,~~377~~283		~~939~~1,225		3,~~498~~461
Consumer total	$	1927,~~376~~562	$	3734,~~752~~196	$	5149,~~362~~413	$	2927,~~815~~980	$	32,~~258~~990	$	8,~~888~~606	$	~~305~~311,~~448~~285	$	~~455~~462,~~899~~032
Consumer charge-offs	$	1012	$	5195	$	92183	$	62245	$	1317	$	4986	$	1,~~721~~982	$	12,~~998~~620
Total Pass	$	~~641~~908,~~750~~544	$	1,~~896~~812,~~034~~190	$	2,~~566~~417,~~916~~749	$	1,~~824~~736,~~676~~848	$	~~661~~641,~~487~~810	$	1,~~409~~354,~~680~~260	$	1,~~661~~573,~~918~~281	$	10,~~662~~444,~~461~~682
Total Watch	2131,~~393~~876		~~105~~129,~~773~~495		~~136~~219,~~393~~918		8099,~~661~~824		910,~~919~~505		~~144~~81,~~675~~764		90118,~~499~~488		~~589~~691,~~313~~870
Total Substandard	48,~~288~~799		3937,~~866~~960		~~126~~112,~~506~~543		2016,~~896~~972		2617,~~306~~250		8684,~~592~~380		5226,~~081~~461		~~356~~304,~~535~~365
Total Loans	$	~~667~~949,~~431~~219	$	21,~~041~~979,~~673~~645	$	2,~~829~~750,~~815~~210	$	1,~~926~~853,~~233~~644	$	~~697~~669,~~712~~565	$	1,~~640~~520,~~947~~404	$	1,~~804~~718,~~498~~230	$	11,~~608~~440,~~309~~917
Total charge-offs	$	1012	$	59135	$	123,~~358~~982	$	~~846~~1,075	$	3,~~552~~575	$	~~308~~2,881	$	511,~~348~~958	$	1143,~~481~~618

The following table shows the risk category of loans by loan category and year of origination as of December 31, 2023, in thousands.


As of December 31, 2023	Amortized Cost Basis of Term Loans by Year of Origination
	2023		2022		2021		2020		2019		2018 and Prior		Revolving		Total
Commercial and industrial
Pass	$	608,030	$	779,218	$	333,900	$	187,406	$	78,455	$	327,775	$	1,159,397	$	3,474,181
Watch	20,694		19,788		257		3,631		2,398		2,953		28,749		78,470
Substandard	20,171		12,658		2,636		5,447		18,535		7,489		32,460		99,396
Commercial and industrial total	$	648,895	$	811,664	$	336,793	$	196,484	$	99,388	$	338,217	$	1,220,606	$	3,652,047
Commercial and industrial charge-offs	$	245	$	794	$	680	$	1,425	$	563	$	1,949	$	2,966	$	8,622

PPP
Pass	$	—	$	—	$	2,591	$	50	$	—	$	—	$	—	$	2,641
Watch	—		—		89		—		—		—		—		89
Substandard	—		—		47		—		—		—		—		47
PPP total	$	—	$	—	$	2,727	$	50	$	—	$	—	$	—	$	2,777
PPP charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


As of December 31, 2023	Amortized Cost Basis of Term Loans by Year of Origination
	2023		2022		2021		2020		2019		2018 and Prior		Revolving		Total

Owner occupied commercial real estate
Pass	$	443,683	$	547,898	$	799,978	$	225,257	$	225,405	$	224,608	$	41,072	$	2,507,901
Watch	8,052		25,947		13,114		2,662		8,115		7,553		—		65,443
Substandard	31,904		10,489		2,268		11,609		6,390		2,171		—		64,831
Owner occupied commercial real estate total	$	483,639	$	584,334	$	815,360	$	239,528	$	239,910	$	234,332	$	41,072	$	2,638,175
Owner occupied commercial real estate charge-offs	$	—	$	802	$	—	$	5	$	—	$	63	$	—	$	870

Non-owner occupied commercial real estate
Pass	$	480,683	$	656,824	$	423,420	$	203,330	$	262,541	$	251,499	$	26,978	$	2,305,275
Watch	71,400		34,651		8,237		3,834		27,345		57,083		—		202,550
Substandard	5,043		952		1,391		—		4,238		34,262		—		45,886
Non-owner occupied commercial real estate total	$	557,126	$	692,427	$	433,048	$	207,164	$	294,124	$	342,844	$	26,978	$	2,553,711
Non-owner occupied commercial real estate charge-offs	$	—	$	52	$	—	$	29	$	399	$	147	$	—	$	627

Real estate construction
Pass	$	283,519	$	468,646	$	176,604	$	9,889	$	11,048	$	3,405	$	6,486	$	959,597
Watch	629		33,220		9,418		72		—		65		—		43,404
Substandard	—		8,522		—		107		—		—		86		8,715
Real estate construction total	$	284,148	$	510,388	$	186,022	$	10,068	$	11,048	$	3,470	$	6,572	$	1,011,716
Real estate construction charge-offs	$	284	$	—	$	—	$	32	$	—	$	—	$	—	$	316

Agricultural and agricultural real estate
Pass	$	152,665	$	208,375	$	114,798	$	67,006	$	28,247	$	43,663	$	260,941	$	875,695
Watch	2,245		16,257		293		622		70		349		427		20,263
Substandard	12		7,616		1,649		4		855		12,591		499		23,226
Agricultural and agricultural real estate total	$	154,922	$	232,248	$	116,740	$	67,632	$	29,172	$	56,603	$	261,867	$	919,184
Agricultural and agricultural real estate charge-offs	$	—	$	—	$	—	$	9	$	—	$	1	$	5,309	$	5,319

Residential real estate
Pass	$	71,470	$	177,564	$	241,362	$	73,029	$	42,526	$	155,899	$	19,534	$	781,384
Watch	171		973		945		659		158		4,845		—		7,751
Substandard	741		150		3,400		464		290		3,649		—		8,694
Residential real estate total	$	72,382	$	178,687	$	245,707	$	74,152	$	42,974	$	164,393	$	19,534	$	797,829
Residential real estate charge-offs	$	—	$	59	$	124	$	—	$	—	$	—	$	—	$	183

Consumer
Pass	$	45,595	$	62,900	$	35,459	$	7,731	$	3,663	$	6,109	$	324,218	$	485,675
Watch	730		84		694		21		41		644		2,060		4,274
Substandard	80		308		401		75		159		1,769		465		3,257
Consumer total	$	46,405	$	63,292	$	36,554	$	7,827	$	3,863	$	8,522	$	326,743	$	493,206
Consumer charge-offs	$	2	$	246	$	154	$	27	$	19	$	112	$	3,117	$	3,677

Total Pass	$	2,085,645	$	2,901,425	$	2,128,112	$	773,698	$	651,885	$	1,012,958	$	1,838,626	$	11,392,349
Total Watch	103,921		130,920		33,047		11,501		38,127		73,492		31,236		422,244
Total Substandard	57,951		40,695		11,792		17,706		30,467		61,931		33,510		254,052
Total Loans	$	2,247,517	$	3,073,040	$	2,172,951	$	802,905	$	720,479	$	1,148,381	$	1,903,372	$	12,068,645

Total charge-offs	$	531	$	1,953	$	958	$	1,527	$	981	$	2,272	$	11,392	$	19,614

Included in the nonpass loans at ~~June~~September 30, 2024, and December 31, 2023, were $~~223~~158,000 and $136,000, respectively, of nonpass PPP loans as a result of risk ratings on non-PPP related credits. HTLF's risk rating methodology assigns a risk rating to ~~the~~

the whole lending relationship. HTLF has no allowance recorded related to the PPP loans because of the 100% government guarantee through the United States Small Business Administration.

Changes in credit risk are monitored on a continuous basis as part of relationship management, and changes in risk ratings are made when credit quality improves or deteriorates in accordance with HTLF's credit risk rating framework. All individually assessed loans are reviewed at least annually.

As of ~~June~~September 30, 2024, HTLF had $~~1.1~~918,000 ~~million~~ of loans secured by residential real estate property that were in the process of foreclosure.

The following table sets forth information regarding accruing and nonaccrual loans at ~~June~~September 30, 2024, and December 31, 2023, in thousands:

	Accruing Loans
	30-59DaysPast Due		60-89DaysPast Due		90 Days orMore Past Due		Total PastDue		Current		Nonaccrual		Total Loans
June 30, 2024
September 30, 2024
Commercial and industrial	$	73,~~061~~367	$	~~2,470~~509	$	~~251~~832	$	94,~~782~~708	$	3,~~483~~472,~~319~~413	$	4825,~~138~~972	$	3,~~541~~503,~~239~~093
PPP	—		—		—		—		1,~~864~~582		—		1,~~864~~582
Owner occupied commercial real estate	31,~~471~~503		73103		—		31,~~544~~606		2,~~539~~482,~~381~~680		135,~~039~~411		2,~~555~~489,~~964~~697
Non-owner occupied commercial real estate	—6		—903		—		—909		2,~~434~~444,~~123~~229		~~135~~10,258		2,~~434~~455,~~258~~396
Real estate construction	93,~~519~~707		113,~~863~~105		—		1116,~~382~~812		1,~~070~~102,~~480~~948		~~864~~162		1,~~082~~119,~~726~~922
Agricultural and agricultural real estate	~~245~~1,058		18—		~~349~~—		~~612~~1,058		~~768~~679,~~281~~795		3420,~~065~~358		~~802~~701,~~958~~211
Residential real estate	12,~~321~~010		~~205~~1,483		—		13,~~526~~493		~~726~~699,~~372~~183		5,~~503~~308		~~733~~707,~~401~~984
Consumer	21,~~266~~402		~~230~~334		63—		21,~~559~~736		~~451~~458,~~961~~650		1,~~379~~646		~~455~~462,~~899~~032
Total loans receivable held to maturity	$	2313,~~883~~053	$	416,~~859~~437	$	~~663~~832	$	2930,~~405~~322	$	11,~~475~~341,~~781~~480	$	~~103~~69,~~123~~115	$	11,~~608~~440,~~309~~917
December 31, 2023
Commercial and industrial	$	1,738	$	126	$	2,203	$	4,067	$	3,601,165	$	46,815	$	3,652,047
PPP	94		53		—		147		2,630		—		2,777
Owner occupied commercial real estate	205		2,664		74		2,943		2,603,640		31,592		2,638,175
Non-owner occupied commercial real estate	875		—		—		875		2,552,469		367		2,553,711
Real estate construction	332		—		—		332		1,010,601		783		1,011,716
Agricultural and agricultural real estate	121		—		12		133		909,841		9,210		919,184
Residential real estate	2,082		273		21		2,376		790,367		5,086		797,829
Consumer	2,257		150		197		2,604		489,029		1,573		493,206
Total loans receivable held to maturity	$	7,704	$	3,266	$	2,507	$	13,477	$	11,959,742	$	95,426	$	12,068,645

Loans delinquent 30 to 89 days as a percent of total loans were 0.2526% at ~~June~~September 30, 2024, compared to 0.09% at December 31, 2023.

HTLF recognized $0 of interest income on nonaccrual loans during the three and ~~six~~nine months ended ~~June~~September 30, 2024 and ~~June~~September 30, 2023. As of ~~June~~September 30, 2024, and December 31, 2023, HTLF had $28.17 million and $52.5 million of nonaccrual loans with no related allowance, respectively.

NOTE 4: ALLOWANCE FOR CREDIT LOSSES

Changes in the allowance for credit losses on loans for the three- and ~~six~~nine- months ended ~~June~~September 30, 2024, and ~~June~~September 30, 2023, were as follows, in thousands:

	Commercialand Industrial		Owner Occupied CommercialReal Estate		Non-Owner Occupied Commercial Real Estate		Real EstateConstruction		Agricultural and AgriculturalReal Estate		Residential Real Estate		Consumer		Total
Balance at March 31, 2024	$	41,105	$	14,395	$	15,770	$	34,925	$	5,108	$	5,155	$	7,476	$	123,934
Charge-offs	(5,914)		(397)		—		—		(608)		—		(469)		(7,388)
Recoveries	170		—		—		—		9		70		329		578
Provision (benefit)	9,439		716		(2,073)		(2,715)		4,396		(189)		163		9,737
Balance at June 30, 2024	$	44,800	$	14,714	$	13,697	$	32,210	$	8,905	$	5,036	$	7,499	$	126,861
Charge-offs	(22,006)		(25)		—		—		(9,302)		(182)		(622)		(32,137)
Recoveries	440		1		—		5		—		—		2,756		3,202
Provision (benefit)	185		(1,439)		3,722		3,265		4,200		501		(1,563)		8,871
Balance at September 30, 2024	$	23,419	$	13,251	$	17,419	$	35,480	$	3,803	$	5,355	$	8,070	$	106,797
	CommercialandIndustrial		Owner Occupied CommercialReal Estate		Non-Owner Occupied Commercial Real Estate		Real EstateConstruction		Agricultural and AgriculturalReal Estate		Residential Real Estate		Consumer		Total
Balance at December 31, 2023	$	40,679	$	17,156	$	17,249	$	28,773	$	4,292	$	5,845	$	8,572	$	122,566
Charge-offs	(830,~~211~~217)		(~~397~~422)		—		—		(~~875~~10,177)		—(182)		(12,~~998~~620)		(1143,~~481~~618)
Recoveries	~~732~~1,172		—1		—		—5		9		105		14,~~525~~281		25,~~371~~573
Provision (benefit)	11,~~600~~785		(23,~~045~~484)		~~(3,552)~~170		36,~~437~~702		59,~~479~~679		(~~914~~413)		(~~600~~2,163)		1322,~~405~~276
Balance at June 30, 2024	$	44,800	$	14,714	$	13,697	$	32,210	$	8,905	$	5,036	$	7,499	$	126,861
Balance at September 30, 2024	$	23,419	$	13,251	$	17,419	$	35,480	$	3,803	$	5,355	$	8,070	$	106,797

	CommercialandIndustrial		Owner Occupied CommercialReal Estate		Non-Owner Occupied Commercial Real Estate		Real EstateConstruction		Agricultural and AgriculturalReal Estate		Residential Real Estate		Consumer		Total
Balance at March 31, 2023	$	31,823	$	14,151	$	17,062	$	30,138	$	2,546	$	7,564	$	9,423	$	112,707
Charge-offs	(3,686)		(5)		(29)		—		(5,309)		(59)		(525)		(9,613)
Recoveries	118		—		—		2		1		—		154		275
Provision (benefit)	1,141		563		943		(1,894)		6,273		139		664		7,829
Balance at June 30, 2023	$	29,396	$	14,709	$	17,976	$	28,246	$	3,511	$	7,644	$	9,716	$	111,198
Charge-offs	(1,344)		—		(607)		—		(10)		—		(2,003)		(3,964)
Recoveries	167		1		—		7		—		—		127		302
Provision (benefit)	77		(36)		(85)		726		903		(537)		1,624		2,672
Balance at September 30, 2023	$	28,296	$	14,674	$	17,284	$	28,979	$	4,404	$	7,107	$	9,464	$	110,208
	CommercialandIndustrial		Owner Occupied CommercialReal Estate		Non-Owner Occupied Commercial Real Estate		Real EstateConstruction		Agricultural and AgriculturalReal Estate		ResidentialReal Estate		Consumer		Total
Balance at December 31, 2022	$	29,071	$	13,948	$	16,539	$	29,998	$	2,634	$	7,711	$	9,582	$	109,483
Charge-offs	(56,~~137~~481)		(19)		(29636)		—		(5,~~309~~319)		(59)		(13,~~211~~214)		(1115,~~764~~728)
Recoveries	12,~~840~~007		~~112~~113		—		1926		11		19		1,~~465~~592		3,~~466~~768
Provision (benefit)	3,~~622~~699		~~668~~632		1,~~466~~381		(1,~~771~~045)		67,~~175~~078		(27564)		~~(120)~~1,504		1012,~~013~~685
Balance at June 30, 2023	$	29,396	$	14,709	$	17,976	$	28,246	$	3,511	$	7,644	$	9,716	$	111,198
Balance at September 30, 2023	$	28,296	$	14,674	$	17,284	$	28,979	$	4,404	$	7,107	$	9,464	$	110,208

Management allocates the allowance for credit losses by pools of risk within each loan portfolio. The total allowance for credit losses is available to absorb losses from any segment of the loan portfolio. The provision expense in the ~~six~~nine months ended ~~June~~September 30, 2024 was reduced by $2.69 million due to the ~~transfer~~sale of ~~$348.8 million of~~ Rocky Mountain Bank loans amounting to ~~held for sale~~$343.8 million.

Changes in the allowance for credit losses for unfunded commitments for the three and ~~six~~nine months ended ~~June~~September 30, 2024, and ~~June~~September 30, 2023, were as follows:

	For the Three Months Ended June 30,
	For the Three Months Ended September 30,
	2024		2023
Balance at March 31,	$	13,786	$	21,086
Provision (benefit)	(729)		(2,450)
Balance at June 30,	$	13,057	$	18,636
Provision (benefit)	(2,595)		(1,156)
Balance at September 30,	$	10,462	$	17,480

	For the Six Months Ended June 30,
	For the Nine Months Ended September 30,
	2024		2023
Balance at December 31,	$	16,468	$	20,196
Provision (benefit)	(36,~~411~~006)		(12,~~560~~716)
Balance at June 30,	$	13,057	$	18,636
Balance at September 30,	$	10,462	$	17,480

NOTE 5: GOODWILL AND CORE DEPOSIT INTANGIBLE ASSETS

HTLF had goodwill of $576.0 million at both ~~June~~September 30, 2024, and December 31, 2023. HTLF conducts an annual internal assessment of the goodwill both at the consolidated level and at the reporting unit level as of September 30, as well as when required due to triggering events related to the uncertainty of the value of the goodwill on HTLF's balance sheet. HTLF conducted its annual internal assessment of the goodwill at HTLF or HTLF's reporting units as of September 30. There was no goodwill impairment as of the most recent assessment.

The gross carrying amount of other intangible assets consisted of core deposit intangibles and the associated accumulated amortization at ~~June~~September 30, 2024, and December 31, 2023, are presented in the table below, in thousands:

	June 30, 2024						December 31, 2023
	September 30, 2024						December 31, 2023
	GrossCarryingAmount		AccumulatedAmortization		NetCarryingAmount		GrossCarryingAmount		AccumulatedAmortization		NetCarryingAmount
Amortizing intangible assets:
Core deposit intangibles	$	101,185	$	8587,~~684~~028	$	1514,~~501~~157	$	101,185	$	82,770	$	18,415
Total	$	101,185	$	8587,~~684~~028	$	1514,~~501~~157	$	101,185	$	82,770	$	18,415

The following table shows the estimated future amortization expense for amortizable intangible assets, in thousands:

	Core Deposit Intangibles
Six months ending December 31, 2024	$	2,677
Three months ending December 31, 2024	$	1,333
Year ending December 31,
2025	4,700
2026	3,533
2027	2,601
2028	1,287
2029	466
Thereafter	237
Total	$	1514,~~501~~157

NOTE 6: DERIVATIVE FINANCIAL INSTRUMENTS

HTLF uses derivative financial instruments as part of its interest rate risk management strategy, which may include interest rate swaps, fair value hedges, risk participation agreements, caps, floors, and collars. HTLF's current strategy includes the use of interest rate swaps as well as back-to-back loan swaps to assist customers in managing their interest rate risk while executing offsetting interest rate swaps with dealer counterparties.

HTLF's objectives are to add stability to its net interest margin and to manage its exposure to movements in interest rates. The contract or notional amount of a derivative is used to determine, along with the other terms of the derivative, the amounts to be exchanged between the counterparties. HTLF is exposed to credit risk in the event of nonperformance by counterparties to financial instruments. HTLF minimizes this risk by entering into derivative contracts that contain collateral posting provisions with counterparties that meet HTLF’s credit standards. HTLF has not experienced any losses from nonperformance by these counterparties. HTLF monitors counterparty risk in accordance with the provisions of ASC 815. HTLF was required to post $~~591,000~~44.2 million of collateral at ~~June~~September 30, 2024, compared to $27.7 million as of December 31, 2023, related to derivative financial instruments. HTLF's counterparties were required to pledge $~~104~~17.57 million at ~~June~~September 30, 2024, compared to $44.8 million at December 31, 2023.

HTLF's derivative and hedging instruments are recorded at fair value on the consolidated balance sheets. See Note 7, "Fair Value," for additional fair value information and disclosures.

Cash Flow Hedges

In 2021, one interest rate swap terminated, and the debt was converted to variable rate subordinated debentures. HTLF recognized all remaining cash payments related to the terminated derivatives in the first quarter of 2024 and reclassified the remaining cash payments from accumulated other comprehensive income (loss) to interest expense.

In the first quarter of 2023, HTLF terminated its interest rate swap agreement, which effectively converted $500.0 million of variable rate loans to fixed rate loans. For the next twelve months, HTLF estimates cash payments and reclassification from accumulated other comprehensive income (loss) to interest income will total $982,000.

HTLF had no derivative instruments designated as cash flow hedges at ~~June~~September 30, 2024.

The table below identifies the gains and losses recognized on HTLF's terminated derivative instruments designated as cash flow hedges for the three and nine months ended September 30, 2024, and September 30, 2023, in thousands:

Effective Portion

Recognized in OCI

Reclassified from AOCI into Income

Amount of Gain (Loss)

	Fair Value		Balance Sheet Category
June 30, 2024
September 30, 2024
Interest rate swaps-loans receivable held to maturity	$	~~14,914~~20	Other assets
Interest rate swaps-securities carried at fair value	5117,~~297~~181		Other assets
Interest rate swaps-loans receivable held to maturity	229,~~267~~808		Other liabilities
December 31, 2023
Interest rate swaps-loans receivable held to maturity	$	5,027	Other assets
Interest rate swaps-securities carried at fair value	23,182		Other assets
Interest rate swaps-loans receivable held to maturity	27,554		Other liabilities

	2024			2023
	Shares	Weighted-Average Grant DateFair Value		Shares	Weighted-Average Grant DateFair Value
Outstanding at January 1,	466,105	$	47.2221	424,086	$	46.15
Granted	340,855	34.61		~~241~~272,~~347~~465	4745.3033
Vested	(~~173~~203,~~932~~582)	4644.1511		(~~166~~175,~~845~~313)	4241.2274
Forfeited	(5568,~~924~~620)	4745.3278		(2842,~~612~~091)	4446.2725
Outstanding at June 30,	577,104	$	40.08	469,976	$	48.25
Outstanding at September 30,	534,758	$	40.54	479,147	$	47.29

	Total Fair Value		Level 1		Level 2		Level 3
June 30, 2024
September 30, 2024
Assets
Securities available for sale
U.S. treasuries	$	157,~~847~~963	$	157,~~847~~963	$	—	$	—
U.S. agencies	1211,~~600~~440		—		1211,~~600~~440		—
Obligations of states and political subdivisions	~~724~~740,~~465~~624		—		~~724~~740,~~465~~624		—
Mortgage-backed securities - agency	1,~~329~~344,~~288~~977		—		1,~~329~~344,~~288~~977		—
Mortgage-backed securities - non-agency	1,~~336~~236,~~140~~696		—		1,~~336~~236,~~140~~696		—
Commercial mortgage-backed securities - agency	6062,~~501~~533		—		6062,~~501~~533		—
Commercial mortgage-backed securities - non-agency	387,~~939~~941		—		387,~~939~~941		—
Asset-backed securities	~~176~~122,~~382~~730		—		~~176~~122,~~382~~730		—
Corporate bonds	120,~~306~~314		—		120,~~306~~314		—
Equity securities with a readily determinable fair value	2122,~~586~~117		—		2122,~~586~~117		—
Derivative financial instruments(1)	~~128~~75,~~849~~967		—		~~128~~75,~~849~~967		—
Total assets at fair value	$	4,~~313~~133,~~903~~302	$	157,~~847~~963	$	4,~~298~~125,~~056~~339	$	—
Liabilities
Derivative financial instruments(2)	$	6488,~~905~~574	$	—	$	6488,~~905~~574	$	—
Total liabilities at fair value	$	6488,~~905~~574	$	—	$	6488,~~905~~574	$	—
December 31, 2023
Assets
Securities available for sale
U.S. treasuries	$	32,118	$	32,118	$	—	$	—
U.S. agencies	14,530		—		14,530		—
Obligations of states and political subdivisions	741,245		—		741,245		—
Mortgage-backed securities - agency	1,393,629		—		1,393,629		—
Mortgage-backed securities - non-agency	1,529,128		—		1,529,128		—
Commercial mortgage-backed securities - agency	64,788		—		64,788		—
Commercial mortgage-backed securities - non-agency	514,858		—		514,858		—
Asset-backed securities	217,370		—		217,370		—
Corporate bonds	118,169		—		118,169		—
Equity securities with a readily determinable fair value	21,056		—		21,056		—
Derivative financial instruments(1)	84,904		—		84,904		—
Total assets at fair value	$	4,731,795	$	32,118	$	4,699,677	$	—
Liabilities
Derivative financial instruments(2)	$	84,249	$	—	$	84,249	$	—
Total liabilities at fair value	$	84,249	$	—	$	84,249	$	—
(1) Includes interest rate swaps, fair value hedges, embedded derivatives and back-to-back loan swaps.
(2) Includes fair value hedges, back-to-back loan swaps and free standing derivatives.

	Fair Value Measurements atJune 30, 2024
	Fair Value Measurements atSeptember 30, 2024
	Total		Quoted Prices inActive Markets for Identical Assets(Level 1)		Significant OtherObservable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Year-to-Date (Gains)Losses
Collateral dependent individually assessed loans:
Commercial and industrial	$	1915,~~938~~242	$	—	$	—	$	1915,~~938~~242	$	320,~~351~~563
Owner occupied commercial real estate	122,~~579~~631		—		—		122,~~579~~631		—(23)
Non-owner occupied commercial real estate	—5,661		—		—		—5,661		—
Real estate construction	675		—		—		675		—
Agricultural and agricultural real estate	2415,~~711~~927		—		—		2415,~~711~~927		—9,269
Residential real estate	727		—		—		727		—
Total collateral dependent individually assessed loans	$	5840,~~630~~863	$	—	$	—	$	5840,~~630~~863	$	329,~~351~~809
Loans held for sale	$	~~348,761~~—	$	—	$	~~348,761~~—	$	—	$	—
Other real estate owned	76,~~533~~805		—		—		76,~~533~~805		~~696~~—
Premises, furniture and equipment held for sale	169,~~181~~864		—		—		169,~~181~~864		892,136


	Fair Value Measurements at December 31, 2023
	Total		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Year-to- Date (Gains) Losses
Collateral dependent individually assessed loans:
Commercial and industrial	$	23,422	$	—	$	—	$	23,422	$	554
Owner occupied commercial real estate	30,400		—		—		30,400		—
Non-owner occupied commercial real estate	—		—		—		—		—
Real estate construction	642		—		—		642		—
Agricultural and agricultural real estate	4,768		—		—		4,768		5,309
Residential real estate	741		—		—		741		—

Total collateral dependent individually assessed loans	$	59,973	$	—	$	—	$	59,973	$	5,863
Loans held for sale	$	5,071	$	—	$	5,071	$	—	$	—

Other real estate owned	12,548		—		—		12,548		2,967
Premises, furniture and equipment held for sale	4,069		—		—		4,069		2,786

					Fair Value Measurements atJune 30, 2024
					Fair Value Measurements atSeptember 30, 2024
	Carrying Amount		Estimated Fair Value		Quoted Prices inActive Markets for Identical Assets(Level 1)		Significant OtherObservable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)
Financial assets:
Cash and cash equivalents	$	~~373~~588,~~946~~394	$	~~373~~588,~~946~~394	$	~~373~~588,~~946~~394	$	—	$	—
Time deposits in other financial institutions	1,~~340~~050		1,~~340~~050		1,~~340~~050		—		—
Securities:
Carried at fair value	4,~~185~~057,~~054~~335		4,~~185~~057,~~054~~335		157,~~847~~963		4,~~169~~049,~~207~~372		—
Held to maturity	~~842~~839,~~980~~623		~~809~~844,~~516~~296		—		~~809~~844,~~516~~296		—
Other investments	7069,~~684~~511		7069,~~684~~511		—		7069,~~684~~511		—
Loans held for sale	~~348,761~~—		~~348,761~~—		—		~~348,761~~—		—
Loans, net:
Commercial and industrial	3,~~496~~479,~~439~~674		3,~~305~~309,~~473~~913		—		3,~~285~~294,~~535~~671		1915,~~938~~242
PPP	1,~~864~~582		1,~~864~~582		—		1,~~864~~582		—
Owner occupied commercial real estate	2,~~541~~476,~~250~~446		2,~~375~~333,~~272~~179		—		2,~~362~~330,~~693~~548		122,~~579~~631
Non-owner occupied commercial real estate	2,~~420~~437,~~561~~977		2,~~297~~336,~~208~~488		—		2,~~297~~330,~~208~~827		—5,661
Real estate construction	1,~~050~~084,~~516~~442		1,~~043~~085,~~263~~637		—		1,~~042~~084,~~588~~962		675
Agricultural and agricultural real estate	~~794~~697,~~053~~408		~~730~~644,~~953~~749		—		~~706~~628,~~242~~822		2415,~~711~~927
Residential real estate	~~728~~702,~~365~~629		~~636~~621,~~845~~419		—		~~636~~620,~~118~~692		727
Consumer	~~448~~453,~~400~~962		~~430~~438,~~909~~892		—		~~430~~438,~~909~~892		—
Total Loans, net	11,~~481~~334,~~448~~120		10,~~821~~771,~~787~~859		—		10,~~763~~730,~~157~~996		5840,~~630~~863
Cash surrender value on life insurance	199,~~036~~998		199,~~036~~998		—		199,~~036~~998		—
Derivative financial instruments(1)	~~128~~75,~~849~~967		~~128~~75,~~849~~967		—		~~128~~75,~~849~~967		—
Financial liabilities:
Deposits
Demand deposits	4,~~244~~009,~~169~~218		4,~~244~~009,~~169~~218		—		4,~~244~~009,~~169~~218		—
Savings deposits	8,~~470~~926,~~416~~192		8,~~470~~926,~~416~~192		—		8,~~470~~926,~~416~~192		—
Time deposits	2,~~242~~017,~~005~~806		2,~~242~~017,~~005~~806		—		2,~~242~~017,~~005~~806		—
Deposits held for sale	538,308		569,298		—		569,298		—
Borrowings	546,219		546,219		—		546,219		—
Borrowings	694,909		694,909		—		694,909		—
Term Debt	373,324		375,240		—		375,240		—
Term Debt	372,988		374,830		—		374,830		—
Derivative financial instruments(2)	88,574		88,574		—		88,574		—
Derivative financial instruments(2)	64,905		64,905		—		64,905		—
(1) Includes interest rate swaps, fair value hedges, embedded derivatives and back-to-back loan swaps.
(2) Includes fair value hedges, back-to-back loan swaps and undesignated interest rate swaps.


					Fair Value Measurements at December 31, 2023
	Carrying Amount		Estimated Fair Value		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)
Financial assets:
Cash and cash equivalents	$	323,013	$	323,013	$	323,013	$	—	$	—
Time deposits in other financial institutions	1,240		1,240		1,240		—		—
Securities:

Carried at fair value	4,646,891		4,646,891		32,118		4,614,773		—
Held to maturity	838,241		816,399		—		816,399		—
Other investments	91,277		91,277		—		91,277		—
Loans held for sale	5,071		5,071		—		5,071		—
Loans, net:
Commercial and industrial	3,611,368		3,396,628		—		3,373,206		23,422
PPP	2,777		2,777		—		2,777		—
Owner occupied commercial real estate	2,621,019		2,444,540		—		2,414,140		30,400
Non-owner occupied commercial real estate	2,536,462		2,393,931		—		2,393,931		—
Real estate construction	982,943		979,105		—		978,463		642
Agricultural and agricultural real estate	914,892		839,572		—		834,804		4,768
Residential real estate	791,984		687,428		—		686,687		741
Consumer	484,634		465,686		—		465,686		—
Total Loans, net	11,946,079		11,209,667		—		11,149,694		59,973
Cash surrender value on life insurance	197,085		197,085		—		197,085		—
Derivative financial instruments(1)	84,904		84,904		—		84,904		—


Financial liabilities:
Deposits
Demand deposits	4,500,304		4,500,304		—		4,500,304		—
Savings deposits	8,805,597		8,805,597		—		8,805,597		—
Time deposits	2,895,813		2,895,813		—		2,895,813		—

Borrowings	622,255		622,255		—		622,255		—
Term Debt	372,396		374,017		—		374,017		—
Derivative financial instruments(2)	84,249		84,249		—		84,249		—


(1) Includes interest rate swaps, fair value hedges, embedded derivatives and back-to-back loan swaps.
(2) Includes fair value hedges, back-to-back loan swaps and undesignated interest rate swaps.

Filing Compare · HEARTLAND FINANCIAL USA INC