Q3 2023 Heartland Financial USA Inc Earnings Call Transcript
Greetings, and welcome to HTLF's 2023 Third Quarter Conference Call. This afternoon, HTLF announced its third quarter financial results. And hopefully, you've had a chance to review the earnings release that is available on HTLF's website at htlf.com.
With us today from management are Bruce Lee, President and CEO; Bryan McKeag, Chief Financial Officer; and Nathan Jones, Chief Credit Officer. Management will provide a summary of the quarter, and then we will open the call to your questions. Before we begin the presentation, I would like to remind everyone that some of the information provided today falls under the guidelines of forward-looking statements as defined by the Securities and Exchange Commission.
As part of these guidelines, any statements made during this presentation concerning the company's hopes, beliefs, expectations and predictions of the future are forward-looking statements, and actual results could differ materially from those projected. Additional information on these factors is included from time to time in the company's 10-K and 10-Q filings, which may be obtained
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