Company Profile For Heartland Financial USA, Inc.

Heartland Financial USA, Inc. is a multi-bank holding company. The Company has 10 bank subsidiaries in the states of Iowa, Illinois, Wisconsin, New Mexico, Arizona, Montana, Colorado and Minnesota, (collectively, the Bank Subsidiaries). All 10 Bank Subsidiaries are members of the Federal Deposit Insurance Corporation (FDIC). The Bank Subsidiaries include Dubuque Bank and Trust Company; DB&T Insurance, Inc., Galena State Bank & Trust Co., First Community Bank; Riverside Community Bank; Wisconsin Community Bank; New Mexico Bank & Trust; Rocky Mountain Bank; Arizona Bank & Trust; Summit Bank & Trust, and Minnesota Bank & Trust. The Bank Subsidiaries provide full service commercial and retail banking in the communities in which they are located. Deposit products offered by the Bank Subsidiaries include checking and other demand deposit accounts, savings accounts, money market accounts, certificates of deposit, individual retirement accounts, health savings accounts.

BRIEF: For the nine months ended 30 September 2009, Heartland Financial USA, Inc.'s interest income decreased less than 1% to $152.1M. Net interest income after LLP decreased 4% to $69.4M. Net income applicable to common decreased 26% to $10.4M. Net interest income reflects a decrease in interest and fees on loans & leases and increased in loan loss provisions. Net income also reflects higher salaries & employee benefits.