[HTLF] YoY Annual Result on 31-Dec-2008 [#FY]

Stock
[HTLF] Heartland Financial USA, Inc.
Announcement Date
16-Mar-2009
Financial Year
2008
Quarter
31-Dec-2008 [#FY]
Profit Trend
YoY- -55.95%
Quarter Report
HTLF's Result
HTLF's Financial Summary
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Annual Result
31/12/11 31/12/10 31/12/09 31/12/08 31/12/07 31/12/06 31/12/05 CAGR
Revenue 55,875 195,381 184,211 151,033 141,301 135,492 134,452 -13.60%
PBT 7,888 33,634 13,570 14,604 33,371 37,009 32,876 -21.16%
Tax 1,671 9,846 7,196 3,312 9,409 11,989 10,150 -25.95%
NP 6,248 23,903 6,562 11,292 25,633 25,102 22,726 -19.35%
Tax Rate -21.18% -29.27% -53.03% -22.68% -28.20% -32.39% -30.87% -
Total Cost 49,627 171,478 177,649 139,741 115,668 110,390 111,726 -12.64%
Ratio Analysis
31/12/11 31/12/10 31/12/09 31/12/08 31/12/07 31/12/06 31/12/05 CAGR
NP Margin 11.18 12.23 3.56 7.48 18.14 18.53 16.90 -6.65%
Per Share
31/12/11 31/12/10 31/12/09 31/12/08 31/12/07 31/12/06 31/12/05 CAGR
EPS 1.24 1.13 0.07 0.68 1.56 1.52 1.38 -1.76%
EPS Diluted 1.23 1.13 0.07 0.68 1.54 1.50 1.36 -1.65%

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.