[HTLF] QoQ Quarter Result on 31-Dec-2005 [#Q4]

Stock
[HTLF] Heartland Financial USA, Inc.
Announcement Date
30-Dec-2005
Financial Year
2005
Quarter
31-Dec-2005 [#Q4]
Profit Trend
QoQ- -8.39%
YoY- -12.57%
Quarter Report
HTLF's Result
HTLF's Financial Summary
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Quarter Result
30/09/06 30/06/06 31/03/06 31/12/05 30/09/05 30/06/05 31/03/05 CAGR
Revenue 34,763 37,384 36,011 34,769 34,820 33,141 31,722 6.28%
PBT 10,084 9,150 6,283 7,988 9,235 8,046 7,607 20.65%
Tax 3,304 2,928 1,810 2,224 2,943 2,640 2,343 25.72%
NP 6,874 6,222 4,473 5,764 6,292 5,406 5,264 19.45%
Tax Rate -32.76% -32.00% -28.81% -27.84% -31.87% -32.81% -30.80% -
Total Cost 27,889 31,162 31,538 29,005 28,528 27,735 26,458 3.57%
Ratio Analysis
30/09/06 30/06/06 31/03/06 31/12/05 30/09/05 30/06/05 31/03/05 CAGR
NP Margin 19.77 16.64 12.42 16.58 18.07 16.31 16.59 12.38%
Per Share
30/09/06 30/06/06 31/03/06 31/12/05 30/09/05 30/06/05 31/03/05 CAGR
EPS 0.42 0.38 0.27 0.35 0.38 0.33 0.32 19.85%
EPS Diluted 0.41 0.37 0.27 0.35 0.38 0.32 0.32 17.94%

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.