Heartland Financial USA Ratios and Metrics

Market cap in millions KRW. Fiscal year is January - December.

Millions KRW. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2013	FY 2012	FY 2011	FY 2010	FY 2009	2007 - 2009
Period Ending	Aug '25 Aug 8, 2025	Dec '13 Dec 31, 2013	Dec '12 Dec 31, 2012	Dec '11 Dec 31, 2011	Dec '10 Dec 31, 2010	Dec '09 Dec 31, 2009	2007 - 2009
Market Capitalization	30,777	8,179	16,473	24,620	23,934	17,424	Upgrade
Market Cap Growth	-20.43%	-50.35%	-33.09%	2.86%	37.36%	-24.77%	Upgrade
Enterprise Value	-	12,143	68,319	28,126	28,227	24,194	Upgrade
Last Close Price	3635.00	1806.97	4293.32	6416.40	7076.91	7761.01	Upgrade
PS Ratio	2.31	0.59	0.94	1.35	1.00	0.63	Upgrade
PB Ratio	18.89	3.98	1.50	1.18	0.89	0.60	Upgrade
P/TBV Ratio	-	-	2.08	1.52	1.17	0.79	Upgrade
P/FCF Ratio	-	-	-	-	39.41	-	Upgrade
P/OCF Ratio	-	-	-	-	25.85	-	Upgrade
EV/Sales Ratio	-	0.88	3.88	1.54	1.18	0.87	Upgrade
EV/EBITDA Ratio	-	-	-	-	9.37	-	Upgrade
EV/FCF Ratio	-	-	-	-	46.47	-	Upgrade
Debt / Equity Ratio	-	1.92	0.36	2.60	0.18	0.30	Upgrade
Debt / EBITDA Ratio	-	-	-	-	1.61	-	Upgrade
Debt / FCF Ratio	-	-	-	-	7.97	-	Upgrade
Asset Turnover	0.16	0.16	0.21	0.30	0.55	0.58	Upgrade
Inventory Turnover	678.06	179.44	135.16	191.21	211.63	-	Upgrade
Quick Ratio	0.08	0.05	0.08	0.22	1.93	0.96	Upgrade
Current Ratio	0.09	0.08	0.21	0.30	2.55	1.48	Upgrade
Return on Equity (ROE)	-163.15%	-154.78%	-66.28%	-33.51%	-20.03%	-34.58%	Upgrade
Return on Assets (ROA)	-3.09%	-3.48%	-3.93%	-6.24%	-1.29%	-2.40%	Upgrade
Return on Capital (ROIC)	-32.23%	-28.20%	-7.44%	-7.07%	-1.61%	-2.94%	Upgrade
Earnings Yield	-28.68%	-114.75%	-60.14%	-31.51%	-23.18%	-56.62%	Upgrade
FCF Yield	-8.87%	-23.79%	-17.98%	-8.81%	2.54%	-8.24%	Upgrade
Buyback Yield / Dilution	-17.09%	-12.55%	-11.25%	-5.71%	-46.79%	-3.17%	Upgrade

Updated May 27, 2014. Source: S&P Global Market Intelligence. Standard template. Financial Sources.