[HTLF] YoY 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
30/09/11 30/09/10 30/09/09 30/09/08 30/09/07 30/09/06 30/09/05 CAGR
Revenue 49,497 49,322 45,492 42,454 35,153 34,763 34,820 6.03%
PBT 9,907 11,077 4,271 4,023 9,831 10,084 9,235 1.17%
Tax 2,549 4,187 803 1,018 2,906 3,304 2,943 -2.36%
NP 7,338 6,920 3,512 3,005 6,925 6,874 6,292 2.59%
Tax Rate -25.73% -37.80% -18.80% -25.30% -29.56% -32.76% -31.87% -
Total Cost 42,159 42,402 41,980 39,449 28,228 27,889 28,528 6.72%
Ratio Analysis
30/09/11 30/09/10 30/09/09 30/09/08 30/09/07 30/09/06 30/09/05 CAGR
NP Margin 14.83 14.03 7.72 7.08 19.70 19.77 18.07 -3.23%
Per Share
30/09/11 30/09/10 30/09/09 30/09/08 30/09/07 30/09/06 30/09/05 CAGR
EPS 0.21 0.34 0.13 0.18 0.42 0.42 0.38 -9.40%
EPS Diluted 0.20 0.34 0.13 0.18 0.42 0.41 0.38 -10.14%

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.