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916365_18_item7_p91_s1
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916365_17_item7_p88_s1
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Sales from stores opened less than one year were $351.0 million in fiscal 2015 , which represented 6.1 percentage points of the 9.0% increase over fiscal 2014 net sales.
|
Sales from stores opened less than one year, including Petsense, were $378.9 million in fiscal 2016 , which represented 6.1 percentage points of the 8.9% increase over fiscal 2015 net sales.
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916365_18_item7_p110_s0
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916365_17_item7_p93_s1
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SG A expenses as a percent of net sales increased due to incremental costs associated with our new distribution facilities that began operations in late fiscal 2015, as well as acquisition and operating expenses associated with the Petsense purchase.
|
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916365_18_item7_p110_s1
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916365_17_item7_p93_s2
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These increases were partially offset by leverage of occupancy costs, as well as lower year-over-year incentive compensation expense.
|
These increases were partially offset by leverage of occupancy costs from the 53 rd week of sales in fiscal 2016, as well as lower year-over-year incentive compensation expense.
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920112_12_item7_p114_s2
|
920112_11_item7_p105_s2
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The industry breakdown for nonperforming loans at December 31, 2010, as identified using the North American Industry Classification System (NAICS) was $13.1 million to lessors of real estate, $11.6 million for lot and land development, $6.6 million for other activities related to real estate and $3.8 million for construction and development.
|
At December 31, 2010, the industry breakdown for nonperforming loans with individual balances exceeding $1.0 million was $13.1 million to lessors of real estate, $11.6 million for lot and land development, $6.6 million for other activities related to real estate and $3.8 million for construction and development.
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920112_12_item7_p114_s1
|
920112_11_item7_p105_s5
|
The remaining $15.1 million was distributed among seven other industries.
|
The remaining $11.6 million was distributed among seven other industries.
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920112_12_item7_p135_s1
|
920112_11_item7_p124_s1
|
The tables below present the maturities of the debt securities in the securities portfolio at December 31, 2010, by major category and classification as available for sale or held to maturity:
|
The tables below present the contractual maturities for the debt securities in the securities portfolio at December 31, 2011, by major category and classification as available for sale or held to maturity, using estimated prepayment speeds for mortgage-backed securities:
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920112_12_item7_p142_s1
|
920112_11_item7_p134_s0
|
were able to grow deposits in their own markets at comparable or lower interest rates.
|
The reliance on brokered time deposits has decreased during more recent years as the Bank Subsidiaries were able to grow deposits in their own markets at comparable or lower interest rates.
| 2 |
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920112_12_item7_p15_s4
|
920112_11_item7_p13_s3
|
The addition to provision was calculated based upon the assumption that, under an economic downturn, the qualitative portion of the calculated allowance will increase due to increase in qualitative risk factors directly affected by the economic conditions.
|
The reduction in provision was calculated based upon the assumption that, under an economic upturn, the qualitative portion of the calculated allowance will decrease due to decrease in qualitative risk factors directly affected by the economic conditions.
| 2 |
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920112_12_item7_p15_s3
|
920112_11_item7_p13_s4
|
The reduction in provision was calculated based upon the assumption that, under an economic upturn, the qualitative portion of the calculated allowance will decrease due to decrease in qualitative risk factors directly affected by the economic conditions.
|
The addition to provision was calculated based upon the assumption that, under an economic downturn, the qualitative portion of the calculated allowance will increase due to increase in qualitative risk factors directly affected by the economic conditions.
| 2 |
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920112_12_item7_p150_s0
|
920112_11_item7_p143_s0
|
Other borrowings include all debt arrangements we have entered into with original maturities that extend beyond one year.
|
Other borrowings include all debt arrangements Heartland and its subsidiaries have entered into with original maturities that extend beyond one year.
| 2 |
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920112_12_item7_p154_s1
|
920112_11_item7_p144_s1
|
All of the Bank Subsidiaries, except for our most recent de novo bank, Minnesota Bank Trust, own stock in the Federal Home Loan Bank of Chicago, Dallas, Des Moines, Seattle, San Francisco or Topeka, enabling them to borrow funds from their respective FHLB for short- or long-term purposes under a variety of programs.
|
All of the bank subsidiaries own FHLB stock in either Chicago, Dallas, Des Moines, Seattle, San Francisco or Topeka, enabling them to bo rrow funds from their respective FHLB for short- or long-term purposes under a variety of programs.
| 2 |
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920112_12_item7_p159_s1
|
920112_11_item7_p150_s0
|
certain nonperforming loans and assets to allow the liquidation of such assets at a time that is more economically advantageous.
|
The primary purpose of Heartland Community Development Inc. is to hold and manage certain nonperforming loans and assets to allow the liquidation of such assets at a time that is more economically advantageous.
| 2 |
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920112_12_item7_p162_s0
|
920112_11_item7_p153_s0
|
All minority stockholders entered into a stock transfer agreement that imposes certain restrictions on the sale, transfer or other disposition of their shares in Summit Bank Trust and requires us to repurchase the shares from investors five years from the date of opening.
|
All minority stockholders entered into a stock transfer agreement that imposes certain restrictions on the sale, transfer or other disposition of their shares in Minnesota Bank Trust and allows, but does not require, us to repurchase the shares from investors.
| 2 |
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920112_12_item7_p163_s0
|
920112_11_item7_p156_s0
|
On December 19, 2008, we received $81.7 million through participation in the CPP.
|
On December 19, 2008, Heartland received $81.7 million through participation in the CPP.
| 2 |
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920112_12_item7_p167_s0
|
920112_11_item7_p167_s1
|
The amount of collateral obtained, if deemed necessary by the Bank Subsidiaries upon extension of credit, is based upon management s credit evaluation of the counterparty.
|
The amount of collateral obtained, if deemed necessary by the Heartland banks upon extension of credit, is based upon management's credit evaluation of the counterparty.
| 2 |
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920112_12_item7_p168_s0
|
920112_11_item7_p168_s0
|
Standby letters of credit and financial guarantees written are conditional commitments issued by the Bank Subsidiaries to guarantee the performance of a customer to a third party.
|
Standby letters of credit and financial guarantees written are conditional commitments issued by the Heartland banks to guarantee the performance of a customer to a third party.
| 2 |
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920112_12_item7_p171_s0
|
920112_11_item7_p171_s0
|
At the parent company level, routine funding requirements consist primarily of dividends paid to stockholders, including Treasury under the CPP, debt service on our revolving credit arrangements and our trust preferred securities issuances, and payments for acquisitions.
|
At the parent company level, routine funding requirements consist primarily of dividends paid to stockholders, including the U.S. Treasury under the SBLF, debt service on our revolving credit arrangements and our trust preferred securities issuances, and payments for acquisitions.
| 2 |
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920112_12_item7_p36_s1
|
920112_11_item7_p32_s0
|
impairment charge of $12.7 million recorded during the fourth quarter of 2009, net income for 2009 would have been $19.0 million, net income available to common stockholders would have been $13.9 million, or $0.85 per diluted common share, return on average common equity would have been 5.76% and return on average assets would have been 0.36%.
|
Excluding the goodwill impairment charge of $12.7 million recorded during the fourth quarter of 2009, net income for 2009 would have been $19.0 million, net income available to common stockholders would have been $13.9 million, or $0.85 per diluted common share, return on average common equity would have been 5.76% and return on average assets would have been 0.36%.
| 2 |
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920112_12_item7_p138_s2
|
920112_11_item7_p38_s1
|
This growth occurred at Dubuque Bank and Trust Company, Wisconsin Community Bank, New Mexico Bank Trust and Minnesota Bank Trust.
|
For 2011, the Bank Subsidiaries experiencing growth were Dubuque Bank and Trust Company, Riverside Community Bank, Wisconsin Community Bank, New Mexico Bank Trust and Minnesota Bank Trust.
| 2 |
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920112_12_item7_p47_s5
|
920112_11_item7_p46_s2
|
The composition of average earning assets changed as the percentage of average loans, which are typically the highest yielding asset, to total average earning assets was 66% during 2010 compared to 69% during 2009.
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The percentage of average loans to total average earning assets was 66% during 2010 compared to 69% during 2009.
| 2 |
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920112_12_item7_p124_s1
|
920112_11_item7_p56_s2
|
For additional details on the specific factors considered, refer to the critical accounting policies and allowance for loan and lease losses sections of this report.
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For additional details on the specific factors considered, refer to the critical accounting policies section of this report.
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920112_12_item7_p13_s2
|
920112_11_item7_p57_s1
|
However, if economic conditions should become more unfavorable, certain borrowers may experience difficulty and the level of nonperforming loans, charge-offs and delinquencies could rise and require further increases in the provision for loan and lease losses.
|
Should the economic climate deteriorate, borrowers may experience difficulty, and the level of nonperforming loans, charge-offs, and delinquencies could rise and require further increases in the provision for loan and lease losses.
| 2 |
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920112_12_item7_p83_s0
|
920112_11_item7_p60_s0
|
The table below shows our noninterest income for the years indicated:
|
The table below shows our noninterest expense for the years indicated:
| 2 |
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920112_12_item7_p65_s5
|
920112_11_item7_p61_s11
|
Revisions to Regulation E became effective on August 1, 2010, and the impact on our overdraft fees was minimal during the last two quarters of 2010 as our Bank Subsidiaries were able to add 7,000 accounts to their overdraft protection service.
|
The Regulation E revisions had minimal impact during the last two quarters of 2010 as our Bank Subsidiaries were able to add 7,000 accounts to their overdraft protection service.
| 2 |
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920112_12_item7_p68_s0
|
920112_11_item7_p64_s0
|
Two components of loan servicing income, mortgage servicing rights and amortization of mortgage servicing rights, are dependent upon the level of loans we originate and sell into the secondary market, which in turn is highly influenced by market interest rates for home mortgage loans.
|
Two components of loan servicing income, mortgage servicing rights and amortization of mortgage servicing rights, are dependent upon the level of loans Heartland originates and sells into the secondary market, which in turn is highly influenced by market interest rates for home mortgage loans.
| 2 |
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920112_12_item7_p71_s3
|
920112_11_item7_p65_s2
|
The portfolio of mortgage loans we serviced for others totaled $1.40 billion at December 31, 2010, compared to $1.15 billion at December 31, 2009.
|
The portfolio of mortgage loans serviced for others by Heartland totaled $1.54 billion at December 31, 2011, compared to $1.40 billion at December 31, 2010, and $1.15 billion at December 31, 2009.
| 2 |
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1,
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1,
1,
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1,
1,
1,
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920112_12_item7_p74_s2
|
920112_11_item7_p68_s1
|
The decrease during 2009 occurred in the brokerage area as clients were uncertain about the condition of the financial markets and unwilling to make investments that could result in further losses in their portfolios.
|
Consistent with the national market, these commissions were low in 2009 as clients were uncertain about the condition of the financial markets and unwilling to make investments that could result in further losses in their portfolios.
| 2 |
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920112_12_item7_p63_s0
|
920112_11_item7_p78_s0
|
The table below shows our noninterest expense for the years indicated:
|
The table below shows our noninterest income for the years indicated:
| 2 |
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920112_12_item7_p84_s2
|
920112_11_item7_p79_s4
|
The effect of these increases was mitigated by a decrease in FDIC insurance assessments.
|
The effect of these increases was partially mitigated by a decrease in FDIC insurance assessments and a decrease in net losses on repossessed assets.
| 2 |
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920112_12_item7_p10_s0
|
920112_11_item7_p8_s0
|
Heartland has experienced an increase in net charge-offs and nonperforming loans during the past three years.
|
Heartland has experienced an increase in net charge-offs during the past four years.
| 2 |
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920112_12_item7_p100_s0
|
920112_11_item7_p92_s0
|
The commercial and commercial real estate loan category continues to be the primary focus for all the Heartland subsidiary banks.
|
The commercial and commercial real estate loan category continues to be the primary focus for all the Bank Subsidiaries.
| 2 |
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920112_12_item7_p107_s1
|
920112_11_item7_p98_s0
|
estate loans include fluctuating property values and concentrations of loans in a specific type of real estate.
|
Additionally, risks associated with commercial and agricultural real estate loans include fluctuating property values and concentrations of loans in a specific type of real estate.
| 2 |
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920112_13_item7_p104_s1
|
920112_12_item7_p107_s1
|
Additionally, risks associated with commercial and agricultural real estate loans include fluctuating property values and concentrations of loans in a specific type of real estate.
|
Additionally, repayment of commercial and agricultural real estate loans may be influenced by fluctuating property values and concentrations of loans in a specific type of real estate.
| 2 |
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920112_13_item7_p57_s2
|
920112_12_item7_p124_s1
|
For additional details on the specific factors considered, refer to the critical accounting policies section of this report.
|
For additional details on the specific factors considered, refer to the critical accounting policies and allowance for loan and lease losses sections of this report.
| 2 |
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920112_13_item7_p133_s0
|
920112_12_item7_p135_s1
|
The tables below present the contractual maturities for the debt securities in the securities portfolio at December 31, 2011, by major category and classification as available for sale or held to maturity, using estimated prepayment speeds for mortgage-backed securities:
|
The tables below present the contractual maturities for the debt securities in the securities portfolio at December 31, 2012, by major category and classification as available for sale or held to maturity, in thousands.
| 2 |
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920112_13_item7_p58_s1
|
920112_12_item7_p13_s2
|
Should the economic climate deteriorate, borrowers may experience difficulty, and the level of nonperforming loans, charge-offs, and delinquencies could rise and require further increases in the provision for loan and lease losses.
|
However, if economic conditions should become more unfavorable, certain borrowers may experience difficulty and the level of nonperforming loans, charge-offs and delinquencies could rise and require further increases in the provision for loan and lease losses.
| 2 |
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920112_13_item7_p151_s1
|
920112_12_item7_p154_s1
|
All of the bank subsidiaries own FHLB stock in either Chicago, Dallas, Des Moines, Seattle, San Francisco or Topeka, enabling them to bo rrow funds from their respective FHLB for short- or long-term purposes under a variety of programs.
|
All of Heartland's bank subsidiaries own FHLB stock in either the Chicago, Dallas, Des Moines, Seattle, San Francisco or Topeka FHLB, enabling them to bo rrow funds from their respective FHLB for short- or long-term purposes under a variety of programs.
| 2 |
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920112_13_item7_p14_s4
|
920112_12_item7_p15_s3
|
The addition to provision was calculated based upon the assumption that, under an economic downturn, the qualitative portion of the calculated allowance will increase due to increase in qualitative risk factors directly affected by the economic conditions.
|
The reduction in provision was calculated based upon the assumption that, under an economic upturn, the qualitative portion of the calculated allowance will decrease due to decrease in qualitative risk factors directly affected by the economic conditions.
| 2 |
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920112_13_item7_p14_s3
|
920112_12_item7_p15_s4
|
The reduction in provision was calculated based upon the assumption that, under an economic upturn, the qualitative portion of the calculated allowance will decrease due to decrease in qualitative risk factors directly affected by the economic conditions.
|
The addition to provision was calculated based upon the assumption that, under an economic downturn, the qualitative portion of the calculated allowance will increase due to increase in qualitative risk factors directly affected by the economic conditions.
| 2 |
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920112_13_item7_p156_s0
|
920112_12_item7_p161_s0
|
Minnesota Bank Trust, Heartland s tenth bank, began operations on April 15, 2008, in Edina, Minnesota, located in the Minneapolis, Minnesota, metropolitan area.
|
Minnesota Bank Trust began operations on April 15, 2008, in Edina, Minnesota, located in the Minneapolis, Minnesota, metropolitan area.
| 2 |
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920112_13_item7_p181_s0
|
920112_12_item7_p185_s3
|
Heartland seeks to insulate itself from interest rate volatility by ensuring that rate-sensitive assets and rate-sensitive liabilities respond to changes in interest rates in a similar time frame and to a similar degree.
|
seeks to insulate itself from interest rate volatility by ensuring that rate-sensitive assets and rate-sensitive liabilities respond to changes in interest rates in a similar time frame and to a similar degree.
| 2 |
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920112_13_item7_p121_s1
|
920112_12_item7_p58_s2
|
For additional details on the specific factors considered, refer to the critical accounting policies and allowance for loan and lease losses sections of this report.
|
For additional details on the specific factors considered, refer to the critical accounting policies section of this report.
| 2 |
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920112_13_item7_p12_s2
|
920112_12_item7_p59_s1
|
However, if economic conditions should become more unfavorable, certain borrowers may experience difficulty and the level of nonperforming loans, charge-offs and delinquencies could rise and require further increases in the provision for loan and lease losses.
|
Should the economic climate deteriorate, borrowers may experience difficulty, and the level of nonperforming loans, charge-offs, and delinquencies could rise and require further increases in the provision for loan and lease losses.
| 2 |
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920112_13_item7_p89_s2
|
920112_12_item7_p94_s0
|
During the first quarter of 2011, a $403,000 writedown on land in Phoenix, Arizona, which had originally been purchased for branch expansion but has now been listed for sale, was recorded.
|
The 2011 noninterest expenses included a $403,000 writedown on land in Phoenix, Arizona, which had originally been purchased for branch expansion but has now been listed for sale.
| 2 |
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920112_13_item7_p90_s6
|
920112_12_item7_p95_s5
|
The effective tax rate is also affected by the level of tax-exempt interest income which, as a percentage of pre-tax income, was 28.8% during 2011, 27.3% during 2010 and 32.1% during 2009.
|
Heartland's effective tax rate is also affected by the level of tax-exempt interest income which, as a percentage of pre-tax income, was 20.4% during 2012 compared to 28.8% during 2011 and 27.3% during 2010.
| 2 |
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920112_13_item7_p96_s4
|
920112_12_item7_p99_s0
|
Total loans and leases, exclusive of those covered by loss share agreements, were $2.48 billion at December 31, 2011, compared to $2.34 billion at year-end 2010, an increase of $137.3 million or 6%, with $107.1 million occurring during the fourth quarter.
|
Total loans and leases held to maturity were $2.48 billion at December 31, 2011, compared to $2.34 billion at year-end 2010, an increase of $137.3 million or 6%, with $107.1 million occurring during the fourth quarter.
| 2 |
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920112_14_item7_p133_s1
|
920112_13_item7_p124_s1
|
Citizens Finance Co., our consumer finance subsidiary, experienced net charge-offs of $2.5 million during 2012 and $1.6 million during 2011.
|
Citizens Finance Parent Co., our consumer finance subsidiary, experienced net charge-offs of $3.3 million during 2013 compared to $2.5 million during 2012 and $1.6 million during 2011.
| 2 |
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920112_14_item7_p138_s0
|
920112_13_item7_p128_s0
|
The composition of our securities portfolio is managed to maximize the total return on the portfolio while considering the impact it has on our asset/liability position and liquidity needs.
|
The composition of Heartland's securities portfolio is managed to maximize the return on the portfolio while considering the impact it has on Heartland's asset/liability position and liquidity needs.
| 2 |
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920112_14_item7_p61_s4
|
920112_13_item7_p12_s2
|
Should the economic climate deteriorate, borrowers may experience difficulty, and the level of nonperforming loans, charge-offs, and delinquencies could rise and require further increases in the provision for loan and lease losses.
|
However, if economic conditions should become more unfavorable, certain borrowers may experience difficulty and the level of nonperforming loans, charge-offs and delinquencies could rise and require further increases in the provision for loan and lease losses.
| 2 |
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920112_14_item7_p141_s0
|
920112_13_item7_p130_s0
|
During both years, the composition of the securities portfolio was shifted from lower-yielding U.S. government corporate and agency securities into mortgage-backed securities and obligations of states and political subdivisions .
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lower-yielding U.S. government corporate and agency securities into mortgage-backed securities and obligations of states and political subdivisions .
| 2 |
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920112_14_item7_p171_s1
|
920112_13_item7_p156_s1
|
Our initial investment in this de novo was $13.2 million, or 80%, of the $16.5 million initial capital.
|
Heartland's initial investment in this de novo bank was $13.2 million, or 80%, of the $16.5 million initial capital.
| 2 |
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920112_14_item7_p171_s2
|
920112_13_item7_p157_s0
|
All minority stockholders entered into a stock transfer agreement that imposes certain restrictions on the sale, transfer or other disposition of their shares in Minnesota Bank Trust and allows, but does not require, us to repurchase the shares from investors.
|
All minority stockholders entered into a stock transfer agreement that imposed certain restrictions on the sale, transfer or other disposition of their shares in Minnesota Bank Trust and allowed, but did not require, Heartland to repurchase the shares from investors after five years of operations.
| 2 |
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920112_14_item7_p177_s0
|
920112_13_item7_p162_s0
|
The Heartland banks evaluate each customer's creditworthiness on a case-by-case basis.
|
The Bank Subsidiaries evaluate each customer's creditworthiness on a case-by-case basis.
| 2 |
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920112_14_item7_p177_s1
|
920112_13_item7_p162_s1
|
The amount of collateral obtained, if deemed necessary by the Heartland banks upon extension of credit, is based upon management's credit evaluation of the counterparty.
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The amount of collateral obtained, if deemed necessary by the Bank Subsidiaries upon extension of credit, is based upon management's credit evaluation of the counterparty.
| 2 |
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920112_14_item7_p178_s0
|
920112_13_item7_p163_s0
|
Standby letters of credit and financial guarantees written are conditional commitments issued by the Heartland banks to guarantee the performance of a customer to a third party.
|
Standby letters of credit and financial guarantees written are conditional commitments issued by the Bank Subsidiaries to guarantee the performance of a customer to a third party.
| 2 |
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920112_14_item7_p195_s3
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920112_13_item7_p181_s0
|
seeks to insulate itself from interest rate volatility by ensuring that rate-sensitive assets and rate-sensitive liabilities respond to changes in interest rates in a similar time frame and to a similar degree.
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Heartland seeks to insulate itself from interest rate volatility by ensuring that rate-sensitive assets and rate-sensitive liabilities respond to changes in interest rates in a similar time frame and to a similar degree.
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920112_14_item7_p39_s0
|
920112_13_item7_p36_s5
|
Heritage Bank, N.A. will operate as a separate charter until late in the first quarter of 2013 when it will be combined with Heartland's Arizona Bank Trust subsidiary.
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a separate charter until late in the first quarter of 2013 when it merged into Heartland's Arizona Bank Trust subsidiary.
| 2 |
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920112_14_item7_p61_s1
|
920112_13_item7_p57_s1
|
The adequacy of the allowance for loan and lease losses is determined by management using factors that include the overall composition of the loan portfolio, general economic conditions, types of loans, loan collateral values, past loss experience, loan delinquencies, substandard credits and doubtful credits.
|
In determining that the allowance for loan and lease losses is appropriate, management uses factors that include the overall composition of the loan portfolio, general economic conditions, types of loans, loan collateral values, past loss experience, loan delinquencies, substandard credits, and doubtful credits.
| 2 |
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920112_14_item7_p6_s0
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920112_13_item7_p57_s1
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The adequacy of the allowance for loan and lease losses is determined by management using factors that include the overall composition of the loan portfolio, general economic conditions, types of loans, loan collateral values, past loss experience, loan delinquencies, substandard credits and doubtful credits.
|
The allowance for loan and lease losses is determined using factors that include the overall composition of the loan portfolio, general economic conditions, types of loans, loan collateral values, past loss experience, loan delinquencies, and potential losses from identified substandard and doubtful credits.
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920112_14_item7_p129_s1
|
920112_13_item7_p57_s2
|
For additional details on the specific factors considered, refer to the critical accounting policies and allowance for loan and lease losses sections of this report.
|
For additional details on the specific factors considered, refer to the critical accounting policies section of this report.
| 2 |
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920112_14_item7_p61_s3
|
920112_13_item7_p58_s0
|
We believe the allowance for loan and lease losses as of December 31, 2012, was at a level commensurate with the overall risk exposure of the loan portfolio.
|
Heartland believes the allowance for loan and lease losses as of December 31, 2013, was at a level commensurate with the overall risk exposure of the loan portfolio.
| 2 |
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920112_14_item7_p12_s2
|
920112_13_item7_p58_s1
|
However, if economic conditions should become more unfavorable, certain borrowers may experience difficulty and the level of nonperforming loans, charge-offs and delinquencies could rise and require further increases in the provision for loan and lease losses.
|
Should the economic climate deteriorate, borrowers may experience difficulty, and the level of nonperforming loans, charge-offs, and delinquencies could rise and require further increases in the provision for loan and lease losses.
| 2 |
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920112_14_item7_p78_s6
|
920112_13_item7_p76_s0
|
Management has not determined when any future sales of these securities will occur.
|
Management has not determined when any future sales of these Z tranche securities will occur.
| 2 |
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920112_14_item7_p61_s1
|
920112_13_item7_p7_s0
|
The adequacy of the allowance for loan and lease losses is determined using factors that include the overall composition of the loan portfolio, general economic conditions, types of loans, loan collateral values, past loss experience, loan delinquencies, and potential losses from identified substandard and doubtful credits.
|
In determining that the allowance for loan and lease losses is appropriate, management uses factors that include the overall composition of the loan portfolio, general economic conditions, types of loans, loan collateral values, past loss experience, loan delinquencies, substandard credits, and doubtful credits.
| 2 |
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920112_14_item7_p83_s2
|
920112_13_item7_p80_s1
|
Categories contributing most significantly to this increase were salaries and employee benefits, occupancy, professional fees, advertising and other noninterest expenses.
|
Categories contributing most significantly to the increase during 2012 were salaries and employee benefits, occupancy, professional fees, advertising and other noninterest expenses.
| 2 |
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920112_14_item7_p99_s2
|
920112_13_item7_p94_s1
|
These balances increased as management began the pooling of certain newly originated mortgage loans into mortgage-backed securities prior to delivery into the secondary market beginning in the fourth quarter of 2012.
|
Loans held for sale at December 31, 2012, were significantly higher than the year-end 2011 total of $53.6 million as management began the pooling of certain newly originated mortgage loans into mortgage-backed securities prior to delivery into the secondary market beginning in the fourth quarter of 2012.
| 2 |
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920112_14_item7_p102_s5
|
920112_13_item7_p97_s5
|
Approximately 73% of the 2012 growth and 65% of the 2011 growth occurred at our banks in the Midwest.
|
Exclusive of the acquisitions, approximately 62% of the 2013 growth and 73% of the 2012 growth occurred at our banks in the Midwest.
| 2 |
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920112_14_item7_p105_s4
|
920112_13_item7_p99_s3
|
Growth in both years was primarily attributable to the ramp up in this line of business.
|
Growth in both years was primarily attributable to the expansion in this line of business.
| 2 |
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920112_15_item7_p55_s1
|
920112_14_item7_p12_s2
|
Should the economic climate deteriorate, borrowers may experience difficulty, and the level of nonperforming loans, charge-offs, and delinquencies could rise and require further increases in the provision for loan and lease losses.
|
However, if economic conditions should become more unfavorable, certain borrowers may experience difficulty and the level of nonperforming loans, charge-offs and delinquencies could rise and require further increases in the provision for loan and lease losses.
| 2 |
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920112_15_item7_p130_s3
|
920112_14_item7_p141_s0
|
lower-yielding U.S. government corporate and agency securities into mortgage-backed securities and obligations of states and political subdivisions .
|
During 2012, the composition of the securities portfolio was shifted from lower-yielding U.S. government corporate and agency securities into mortgage-backed securities and obligations of states and political subdivisions .
| 2 |
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920112_15_item7_p147_s0
|
920112_14_item7_p159_s0
|
Other borrowings include all debt arrangements Heartland and its subsidiaries have entered into with original maturities that extend beyond one ye ar.
|
Other borrowings include all debt arrangements Heartland and its subsidiaries have entered into with original maturities that extend beyond one ye ar, including long-term FHLB borrowings, term borrowings under term notes and senior notes and obligations under trust preferred capital securities.
| 2 |
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920112_15_item7_p158_s1
|
920112_14_item7_p169_s1
|
For more information about these new requirements, see the discussion under the "Business - F. Supervision and Regulation - The Bank Subsidiaries - Capital Requirements" headings under Part I, Item 1 of this report.
|
For more information about these new requirements, see the discussion under the "Business - F. Supervision and Regulation - Heartland - Capital Requirements" headings under Part I, Item 1 of this report.
| 2 |
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920112_15_item7_p160_s0
|
920112_14_item7_p171_s0
|
Minnesota Bank Trust, Heartland's tenth bank, began operations on April 15, 2008, in Edina, Minnesota.
|
Minnesota Bank Trust began operations on April 15, 2008, in Edina, Minnesota.
| 2 |
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920112_15_item7_p167_s0
|
920112_14_item7_p181_s0
|
At the parent company level, routine funding requirements consist primarily of dividends paid to stockholders, including the U.S. Treasury under the SBLF, debt service on our revolving credit arrangements and our trust preferred securities issuances, and payments for acquisitions.
|
At the parent company level, routine funding requirements consist primarily of dividends paid to stockholders, including the U.S. Treasury, which holds Heartland Series C Fixed Rate Non-Cumulative Perpetual preferred stock, debt service on revolving credit arrangements and trust preferred securities issuances, debt repayment obligations under other obligations and payments for acquisitions.
| 2 |
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920112_15_item7_p45_s6
|
920112_14_item7_p52_s2
|
The rates currently paid on our non-maturity deposits are effectively approaching a floor and we believe there is less flexibility to pay lower rates on these deposits in the future.
|
As the rates currently paid on Heartland's deposits are effectively approaching a floor, management believes there is less flexibility to pay lower rates on these deposits in the future.
| 2 |
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920112_15_item7_p6_s0
|
920112_14_item7_p61_s1
|
In determining that the allowance for loan and lease losses is appropriate, management uses factors that include the overall composition of the loan portfolio, general economic conditions, types of loans, loan collateral values, past loss experience, loan delinquencies, substandard credits, and doubtful credits.
|
The allowance for loan and lease losses is determined using factors that include the overall composition of the loan portfolio, general economic conditions, types of loans, loan collateral values, past loss experience, loan delinquencies, and potential losses from identified substandard and doubtful credits.
| 2 |
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920112_15_item7_p13_s2
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920112_14_item7_p61_s4
|
However, if economic conditions should become more unfavorable, certain borrowers may experience difficulty and the level of nonperforming loans, charge-offs and delinquencies could rise and require further increases in the provision for loan and lease losses.
|
Should the economic climate deteriorate, borrowers may experience difficulty, and the level of nonperforming loans, charge-offs, and delinquencies could rise and require further increases in the provision for loan and lease losses.
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920112_15_item7_p54_s1
|
920112_14_item7_p6_s0
|
The allowance for loan and lease losses is determined using factors that include the overall composition of the loan portfolio, general economic conditions, types of loans, loan collateral values, past loss experience, loan delinquencies, and potential losses from identified substandard and doubtful credits.
|
In determining that the allowance for loan and lease losses is appropriate, management uses factors that include the overall composition of the loan portfolio, general economic conditions, types of loans, loan collateral values, past loss experience, loan delinquencies, substandard credits and doubtful credits.
| 2 |
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920112_15_item7_p68_s0
|
920112_14_item7_p78_s3
|
Additionally, during 2013, two private label Z tranche securities with a book value of $31,000 were sold at a gain of $1.6 million.
|
tranche securities with a book value of $31,000 were sold at a gain of $1.6 million.
| 2 |
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920112_15_item7_p76_s3
|
920112_14_item7_p83_s1
|
During 2013, significant increases in salaries and employee benefits, occupancy, furniture and equipment and professional fees were partially offset by decreases in net losses on repossessed assets and other noninterest expenses Noninterest expenses totaled $183.4 million in 2012 compared to $137.3 million in 2011, a $46.1 million or 34% increase.
|
During 2013, significant increases in salaries and employee benefits, occupancy, furniture and equipment and professional fees were partially offset by decreases in net losses on sales/valuations of assets and other noninterest expenses.
| 2 |
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920112_16_item7_p100_s4
|
920112_15_item7_p100_s1
|
An eleventh consumer finance office was opened in Elgin, Illinois in 2012, a twelfth in Milwaukee, Wisconsin and thirteenth in Des Moines, Iowa metro area in 2014.
|
A twelfth consumer finance office was opened in Milwaukee, Wisconsin and thirteenth in the Des Moines, Iowa metro area in 2014.
| 2 |
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920112_16_item7_p121_s7
|
920112_15_item7_p120_s7
|
The allowance on non-impaired loans remained relatively stable at 1.02% of non-impaired loans and leases at December 31, 2014 and 2013.
|
The allowance on non-impaired loans is 0.93% at December 31, 2015 compared to 1.02% of non-impaired loans and leases at both December 31, 2014 and 2013.
| 2 |
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920112_16_item7_p136_s3
|
920112_15_item7_p135_s1
|
Because the majority of the decline in market value is attributable to changes in interest rates and not credit quality, and because we have the ability and intent to hold those investments until a recovery of fair value, which may be maturity, we did not consider those investments to be other-than-temporarily impaired at December 31, 2014.
|
For this reason and because we have the ability and intent to hold those investments until a recovery of fair value, which may be maturity, we did not consider those investments to be other-than-temporarily impaired at December 31, 2015.
| 2 |
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920112_16_item7_p58_s0
|
920112_15_item7_p13_s2
|
Should the economic climate deteriorate, borrowers may experience difficulty, and the level of nonperforming loans, charge-offs, and delinquencies could rise and require further increases in the provision for loan and lease losses.
|
become more unfavorable, certain borrowers may experience difficulty and the level of nonperforming loans, charge-offs and delinquencies could rise and require further increases in the provision for loan and lease losses.
| 2 |
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920112_16_item7_p143_s2
|
920112_15_item7_p142_s2
|
All of Heartland's bank subsidiaries own FHLB stock in either the Chicago, Dallas, Des Moines, Seattle, San Francisco or Topeka FHLB, enabling them to bo rrow funds from their respective FHLB for short- or long-term purposes under a variety of programs.
|
All of the Bank Subsidiaries own FHLB stock in either the Chicago, Dallas, Des Moines, Seattle, San Francisco or Topeka FHLB, enabling them to bo rrow funds from their respective FHLB for short- or long-term purposes under a variety of programs.
| 2 |
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920112_16_item7_p150_s1
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920112_15_item7_p149_s0
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$45.0 million at December 31, 2014, and $60.0 million at December 31, 2013, a decrease of $15.0 million or 25% due to the maturity of one contract.
|
Structured wholesale repurchase agreements totaled $30.0 million at December 31, 2015, and $45.0 million at December 31, 2014, a decrease of $15.0 million or 33% due to the maturity of one contract.
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920112_16_item7_p168_s0
|
920112_15_item7_p167_s0
|
At the parent company level, routine funding requirements consist primarily of dividends paid to stockholders, including the U.S. Treasury, which holds Heartland Series C Fixed Rate Non-Cumulative Perpetual preferred stock, debt service on revolving credit arrangements and trust preferred securities issuances, debt repayment obligations under other obligations and payments for acquisitions.
|
At the parent company level, routine funding requirements consist primarily of dividends paid to stockholders, including the U.S. Treasury, which holds the Series C Preferred Stock, debt service on revolving credit arrangements and trust preferred securities issuances, debt repayment requirements under other obligations and payments for acquisitions.
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920112_16_item7_p25_s1
|
920112_15_item7_p26_s0
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provision for loan and lease losses, salaries and employee benefits, occupancy and equipment costs, professional fees, FDIC insurance premiums, advertising and other real estate and loan collection expenses.
|
Our principal operating expenses, aside from interest expense, consist of the provision for loan and lease losses, salaries and employee benefits, occupancy and equipment costs, professional fees, FDIC insurance premiums, advertising and other real estate and loan collection expenses.
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920112_16_item7_p5_s0
|
920112_15_item7_p54_s1
|
In determining that the allowance for loan and lease losses is appropriate, management uses factors that include the overall composition of the loan portfolio, general economic conditions, types of loans, loan collateral values, past loss experience, loan delinquencies, substandard credits and doubtful credits.
|
The allowance for loan and lease losses is determined using factors that include the overall composition of the loan portfolio, general economic conditions, types of loans, loan collateral values, past loss experience, loan delinquencies, and probable losses from identified substandard and doubtful credits.
| 2 |
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920112_16_item7_p12_s2
|
920112_15_item7_p55_s1
|
However, if economic conditions should become more unfavorable, certain borrowers may experience difficulty and the level of nonperforming loans, charge-offs and delinquencies could rise and require further increases in the provision for loan and lease losses.
|
Should the economic climate deteriorate, borrowers may experience difficulty, and the level of nonperforming loans, charge-offs, and delinquencies could rise and require further increases in the provision for loan and lease losses.
| 2 |
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920112_16_item7_p65_s0
|
920112_15_item7_p61_s0
|
Loan servicing income totaled $5.6 million for 2014 compared to $1.6 million for 2013.
|
servicing income totaled $5.3 million for 2015 compared to $5.6 million for 2014 and $1.6 million for 2013.
| 2 |
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920112_16_item7_p65_s8
|
920112_15_item7_p63_s0
|
Note 8 to the consolidated financial statements contains a discussion about our mortgage servicing rights.
|
Note 8 to the consolidated financial statements contains a discussion of our servicing rights.
| 2 |
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920112_16_item7_p67_s4
|
920112_15_item7_p67_s1
|
These decreases were related to the flat or moderately increasing interest rate environment that existed throughout much of 2014, as opposed to a low interest rate environment that existed throughout much of 2013 that encouraged rebalancing of the securities portfolio.
|
The decrease during 2014 was related to the flat or moderately increasing interest rate environment that existed throughout much of 2014, as opposed to a low interest rate environment that existed throughout much of 2013, which encouraged mortgage loan refinancings.
| 2 |
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920112_16_item7_p69_s1
|
920112_15_item7_p68_s0
|
tranche securities with a book value of $31,000 were sold at a gain of $1.6 million.
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During 2013, two private label Z tranche securities with a book value of $31,000 were sold at a gain of $1.6 million.
| 2 |
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920112_16_item7_p57_s1
|
920112_15_item7_p6_s0
|
The allowance for loan and lease losses is determined using factors that include the overall composition of the loan portfolio, general economic conditions, types of loans, loan collateral values, past loss experience, loan delinquencies, and potential losses from identified substandard and doubtful credits.
|
In determining that the allowance for loan and lease losses is appropriate, management uses factors that include the overall composition of the loan portfolio, general economic conditions, types of loans, loan collateral values, past loss experience, loan delinquencies, substandard credits and doubtful credits.
| 2 |
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920112_16_item7_p72_s0
|
920112_15_item7_p70_s0
|
Trading securities experienced net losses of $38,000 during 2014 compared to net gains of $1.4 million during 2013 and net gains of $47,000 during 2012.
|
Heartland experienced net losses of $38,000 in the trading securities portfolio during 2014 compared to net gains of $1.4 million during 2013.
| 2 |
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920112_16_item7_p81_s2
|
920112_15_item7_p78_s1
|
The salaries and benefits for Morrill Janes Bank and Trust Company comprised $6.2 million of the increase for 2014.
|
The occupancy expense for Morrill Janes Bank and Trust Company comprised $922,000 of the increase for 2014.
| 2 |
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920112_16_item7_p92_s2
|
920112_15_item7_p90_s0
|
Total assets were $6.05 billion at December 31, 2014, an increase of $128.6 million or 2% since December 31, 2013.
|
Heartland's total assets were $6.05 billion at December 31, 2014, an increase of $128.1 million or 2% since December 31, 2013.
| 2 |
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920112_17_item7_p64_s2
|
920112_16_item7_p121_s4
|
The increased provision in 2014 was primarily a result of a provision of $4.5 million to compensate for a charge-off on a single large credit.
|
Provision expense in 2015 was lower than in 2014, primarily as a result of a provision of $4.5 million in 2014 to compensate for a charge-off on a single large credit.
| 2 |
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920112_17_item7_p11_s0
|
920112_16_item7_p12_s0
|
There can be no assurances that the allowance for loan and lease losses will be adequate to cover all probable loan and lease losses, but management believes that the allowance for loan and lease losses was appropriate at December 31, 2015.
|
There can be no assurances that the allowance for loan losses will be adequate to cover all probable loan losses, but management believes that the allowance for loan losses was appropriate at December 31, 2016.
| 2 |
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