[HTLF] QoQ Quarter Result on 31-Mar-2005 [#Q1]

Stock
[HTLF] Heartland Financial USA, Inc.
Announcement Date
09-May-2005
Financial Year
2005
Quarter
31-Mar-2005 [#Q1]
Profit Trend
QoQ- -20.16%
YoY-
Quarter Report
HTLF's Result
HTLF's Financial Summary
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Quarter Result
30/06/06 31/03/06 31/12/05 30/09/05 30/06/05 31/03/05 31/12/04 CAGR
Revenue 37,384 36,011 34,769 34,820 33,141 31,722 32,384 10.07%
PBT 9,150 6,283 7,988 9,235 8,046 7,607 8,923 1.69%
Tax 2,928 1,810 2,224 2,943 2,640 2,343 2,330 16.49%
NP 6,222 4,473 5,764 6,292 5,406 5,264 6,593 -3.79%
Tax Rate -32.00% -28.81% -27.84% -31.87% -32.81% -30.80% -26.11% -
Total Cost 31,162 31,538 29,005 28,528 27,735 26,458 25,791 13.48%
Ratio Analysis
30/06/06 31/03/06 31/12/05 30/09/05 30/06/05 31/03/05 31/12/04 CAGR
NP Margin 16.64 12.42 16.58 18.07 16.31 16.59 20.36 -12.61%
Per Share
30/06/06 31/03/06 31/12/05 30/09/05 30/06/05 31/03/05 31/12/04 CAGR
EPS 0.38 0.27 0.35 0.38 0.33 0.32 0.40 -3.37%
EPS Diluted 0.37 0.27 0.35 0.38 0.32 0.32 0.40 -5.07%

PBT = Profit before Tax, NP = Net Profit, NP Margin = Net Profit Margin, EPS = Earning Per Share, EPS Diluted = Earning Per Share Diluted.

NP Margin, QoQ ⃤ & YoY ⃤ figures in Percentage; EPS & EPS Diluted figures in Cent.

All figures in '000 unless specified.