 Heartland Financial USA, Inc. NASDAQ:HTLF Q1 2022 Earnings Conference Call April 25, 2022 5:00 PM ET Company Participants Bruce Lee - President and CEO Bryan McKeag - Executive Vice President and CFO Nathan Jones - Chief Credit Officer Conference Call Participants Terry McEvoy - Stephens Damon DelMonte - KBW Andrew Liesch - Piper Sandler Jeff Rulis - D.A. Davidson Operator Greetings. 