[HTLF] QoQ Quarter Result on 31-Mar-2007 [#Q1]

Stock
[HTLF] Heartland Financial USA, Inc.
Announcement Date
10-May-2007
Financial Year
2007
Quarter
31-Mar-2007 [#Q1]
Profit Trend
QoQ- -23.39%
YoY- 29.02%
Quarter Report
HTLF's Result
HTLF's Financial Summary
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Quarter Result
31/12/07 30/09/07 30/06/07 31/03/07 31/12/06 30/09/06 30/06/06 CAGR
Revenue 35,847 35,153 35,799 34,502 34,855 34,763 37,384 -2.75%
PBT 8,758 9,831 6,602 8,180 11,768 10,084 9,150 -2.86%
Tax 2,006 2,906 1,965 2,532 4,052 3,304 2,928 -22.23%
NP 6,752 6,925 6,185 5,771 7,533 6,874 6,222 5.58%
Tax Rate -22.90% -29.56% -29.76% -30.95% -34.43% -32.76% -32.00% -
Total Cost 29,095 28,228 29,614 28,731 27,322 27,889 31,162 -4.46%
Ratio Analysis
31/12/07 30/09/07 30/06/07 31/03/07 31/12/06 30/09/06 30/06/06 CAGR
NP Margin 18.84 19.70 17.28 16.73 21.61 19.77 16.64 8.60%
Per Share
31/12/07 30/09/07 30/06/07 31/03/07 31/12/06 30/09/06 30/06/06 CAGR
EPS 0.41 0.42 0.38 0.35 0.46 0.42 0.38 5.18%
EPS Diluted 0.41 0.42 0.37 0.34 0.46 0.41 0.37 7.06%

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.