[HTLF] YoY Annual Result on 31-Dec-2004 [#FY]

Stock
[HTLF] Heartland Financial USA, Inc.
Announcement Date
30-Dec-2004
Financial Year
2004
Quarter
31-Dec-2004 [#FY]
Profit Trend
YoY-
Quarter Report
HTLF's Result
HTLF's Financial Summary
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Annual Result
31/12/10 31/12/09 31/12/08 31/12/07 31/12/06 31/12/05 31/12/04 CAGR
Revenue 195,381 184,211 151,033 141,301 135,492 134,452 114,971 9.23%
PBT 33,634 13,570 14,604 33,371 37,009 32,876 28,189 2.98%
Tax 9,846 7,196 3,312 9,409 11,989 10,150 7,937 3.65%
NP 23,903 6,562 11,292 25,633 25,102 22,726 20,252 2.79%
Tax Rate -29.27% -53.03% -22.68% -28.20% -32.39% -30.87% -28.16% -
Total Cost 171,478 177,649 139,741 115,668 110,390 111,726 94,719 10.39%
Ratio Analysis
31/12/10 31/12/09 31/12/08 31/12/07 31/12/06 31/12/05 31/12/04 CAGR
NP Margin 12.23 3.56 7.48 18.14 18.53 16.90 17.61 -5.89%
Per Share
31/12/10 31/12/09 31/12/08 31/12/07 31/12/06 31/12/05 31/12/04 CAGR
EPS 1.13 0.07 0.68 1.56 1.52 1.38 1.28 -2.05%
EPS Diluted 1.13 0.07 0.68 1.54 1.50 1.36 1.26 -1.79%

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.