Heartland Financial USA, Inc. (NASDAQ:HTLF) Q3 2022 Earnings Conference Call October 31, 2022 5:00 PM ET
Company Participants
Bruce Lee - President and Chief Executive Officer
Bryan McKeag - Executive Vice President and Chief Financial Officer
Nathan Jones - Executive Vice President and Chief Credit Officer
Conference Call Participants
Andrew Leisch - Piper Sandler
Terry McEvoy - Stephens
Damon DelMonte - KBW
Jeffrey Rulis - D.A. Davidson
Operator
Greetings, and welcome to the HTLF Third Quarter 2022 Conference Call. This afternoon, HTLF distributed its third quarter press release, and hopefully, you've had the chance to review the results. If there is anyone on this call who did not receive a copy, you may access it at HTLF's website at htlf.com.
With us today from management are Bruce Lee, President and CEO; and Bryan McKeag, Executive Vice President and Chief Financial Officer. Management will provide a brief summary of the quarter, and then we will open the call to your questions.
Before we begin the presentation, I would like to remind everyone that some of the information management will be providing today falls under the guidelines of forward-looking statements as defined by the Securities and Exchange Commission. As part of these guidelines, I must point out that any statements made during this presentation concerning the company's hopes, beliefs, expectations and predictions of the future are forward-looking statements, and actual results could differ materially from those projected. Additional information on these factors is included from time to time in the company's 10-K and 10-Q filings, which may be obtained on the company's website or the SEC's website.
At this time, I will now turn the call over to Mr. Bruce Lee at HTLF. Please go ahead, sir.
Bruce Lee
Thank you, Josh. Good afternoon, everyone. This is Bruce Lee, President and CEO. Welcome to HTLF's 2022 third quarter earnings conference call. I appreciate you joining us today as we discuss HTLF's continued strong performance. For the next few minutes, I'll discuss our third quarter highlights, then turn the call over to Bryan McKeag, Chief Financial Officer, for additional information around our results. Also joining us today is Nathan Jones, Chief Credit Officer, who can answer questions regarding our disciplined credit approach that continues to deliver excellent credit quality across portfolios.
HTLF had a strong, clean third quarter with $54.6 million of net income available to common shareholders and EPS of $1.28, once again exceeding expectations. We continue to see results from the ongoing execution of our strategy.