 Heartland Financial USA, Inc. NASDAQ:HTLF Q2 2022 Earnings Conference Call July 25, 2022 5:00 PM ET CompanyParticipants Bruce Lee - President Chief Executive Officer Bryan McKeag - Executive Vice President Chief Financial Officer Nathan Jones - Executive Vice President Chief Credit Officer Conference Call Participants Damon DelMonte - KBW Andrew Liesch - Piper Sandler Jeff Rulis - D.A. Davidson Terry McEvoy - Stephens Inc. Operator Greetings and welcome to the HTLF Second Quarter 2022 Conference Call. 