Heartland Financial USA(HTLF) - 2019 Q4 - Earnings Call Transcript

Heartland Financial USA, Inc. (NASDAQ:HTLF) Q4 2019 Results Earnings Conference Call January 27, 2020 5:00 PM ET Company Participants Lynn Fuller - Executive Operating Chairman Bruce Lee - President and CEO Bryan McKeag - Executive Vice President and CFO Drew Townsend - Executive Vice President and CCO Conference Call Participants Andrew Liesch - Piper Sandler Jeff Rulis - D.A. Davidson Terry McEvoy - Stephens Damon DelMonte - KBW Operator Greetings. And welcome to the Heartland Financial USA, Inc. Fourth Q ...