Heartland Financial USA, Inc. (Heartland) is a multi-bank holding company. The principal business of its Bank Subsidiaries consists of making loans to and accepting deposits from businesses and individuals. Its Bank Subsidiaries provide full service commercial and retail banking in their communities. Its subsidiaries include Dubuque Bank and Trust Company, Galena State Bank & Trust Co., First Community Bank, Riverside Community Bank, Wisconsin Community Bank, New Mexico Bank & Trust, Rocky Mountain Bank, Arizona Bank & Trust, Summit Bank & Trust, and Minnesota Bank & Trust. Heartland�s two non-bank subsidiaries include Citizens Finance Co. and Heartland Community Development Inc. Effective October 18, 2013, the Company announced that it completed its purchase of Morrill Bancshares, Inc., parent of The Morrill & Janes Bank and Trust Co., a commercial bank serving the greater Kansas City and northeast Kansas markets. In November 2013, Heartland Financial USA, Inc acquired Freedom Bank.