[HTLF] QoQ Quarter Result on 30-Sep-2007 [#Q3]

Stock
[HTLF] Heartland Financial USA, Inc.
Announcement Date
09-Nov-2007
Financial Year
2007
Quarter
30-Sep-2007 [#Q3]
Profit Trend
QoQ- 11.96%
YoY- 0.74%
Quarter Report
HTLF's Result
HTLF's Financial Summary
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Quarter Result
30/06/08 31/03/08 31/12/07 30/09/07 30/06/07 31/03/07 31/12/06 CAGR
Revenue 37,153 36,212 35,847 35,153 35,799 34,502 34,855 4.35%
PBT 6,346 8,687 8,758 9,831 6,602 8,180 11,768 -33.77%
Tax 1,643 2,420 2,006 2,906 1,965 2,532 4,052 -45.24%
NP 4,703 6,267 6,752 6,925 6,185 5,771 7,533 -26.97%
Tax Rate -25.89% -27.86% -22.90% -29.56% -29.76% -30.95% -34.43% -
Total Cost 32,450 29,945 29,095 28,228 29,614 28,731 27,322 12.16%
Ratio Analysis
30/06/08 31/03/08 31/12/07 30/09/07 30/06/07 31/03/07 31/12/06 CAGR
NP Margin 12.66 17.31 18.84 19.70 17.28 16.73 21.61 -30.00%
Per Share
30/06/08 31/03/08 31/12/07 30/09/07 30/06/07 31/03/07 31/12/06 CAGR
EPS 0.29 0.38 0.41 0.42 0.38 0.35 0.46 -26.49%
EPS Diluted 0.29 0.38 0.41 0.42 0.37 0.34 0.46 -26.49%

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.