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JAN 29, 2008 2:00am ET

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FEBRUARY 4, 2008

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4Q Earnings

Heartland Cites Provision

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Despite gains in loans, deposits, and fee income, Heartland Financial reported a 9.3% drop in 4Q earnings from '07, to $6.8M, because of an increase in its provision for loan losses.

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The $25 billion mortgage robo-signing settlement is:
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