DUBUQUE, Iowa (AP) _ Heartland Financial USA Inc. (HTLF) on Monday reported fourth-quarter net income of $49.6 million.

The bank, based in Dubuque, Iowa, said it had earnings of $1.12 per share.

The results did not meet Wall Street expectations. The average estimate of three analysts surveyed by Zacks Investment Research was for earnings of $1.20 per share.

The multibank holding company posted revenue of $176.8 million in the period. Its revenue net of interest expense was $169.9 million, also falling short of Street forecasts.

For the year, the company reported profit of $219.9 million, or $5 per share. Revenue was reported as $689.5 million.

This story was generated by Automated Insights (http://automatedinsights.com/ap) using data from Zacks Investment Research. Access a Zacks stock report on HTLF at https://www.zacks.com/ap/HTLF

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