[HTLF] QoQ Quarter Result on 30-Sep-2008 [#Q3]

Stock
[HTLF] Heartland Financial USA, Inc.
Announcement Date
07-Nov-2008
Financial Year
2008
Quarter
30-Sep-2008 [#Q3]
Profit Trend
QoQ- -36.10%
YoY- -56.61%
Quarter Report
HTLF's Result
HTLF's Financial Summary
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Quarter Result
30/06/09 31/03/09 31/12/08 30/09/08 30/06/08 31/03/08 31/12/07 CAGR
Revenue 47,042 43,839 35,098 42,454 37,153 36,212 35,847 19.88%
PBT 6,524 8,888 -4,452 4,023 6,346 8,687 8,758 -17.83%
Tax 1,812 2,819 -1,769 1,018 1,643 2,420 2,006 -6.56%
NP 4,756 6,128 -2,683 3,005 4,703 6,267 6,752 -20.85%
Tax Rate -27.77% -31.72% - -25.30% -25.89% -27.86% -22.90% -
Total Cost 42,286 37,711 37,781 39,449 32,450 29,945 29,095 28.33%
Ratio Analysis
30/06/09 31/03/09 31/12/08 30/09/08 30/06/08 31/03/08 31/12/07 CAGR
NP Margin 10.11 13.98 -7.64 7.08 12.66 17.31 18.84 -33.98%
Per Share
30/06/09 31/03/09 31/12/08 30/09/08 30/06/08 31/03/08 31/12/07 CAGR
EPS 0.21 0.29 -0.17 0.18 0.29 0.38 0.41 -36.00%
EPS Diluted 0.21 0.29 -0.16 0.18 0.29 0.38 0.41 -36.00%

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.