 Heartland Financial USA, Inc. NASDAQ:HTLF Q3 2022 Earnings Conference Call October 31, 2022 5:00 PM ET Company Participants Bruce Lee - President and Chief Executive Officer Bryan McKeag - Executive Vice President and Chief Financial Officer Nathan Jones - Executive Vice President and Chief Credit Officer Conference Call Participants Andrew Leisch - Piper Sandler Terry McEvoy - Stephens Damon DelMonte - KBW Jeffrey Rulis - D.A. Davidson Operator Greetings, and welcome to the HTLF Third Quarter 2022 Conference Call. 