Heartland Financial USA, Inc. provided earnings guidance for 2014. Net interest income should continue to increase slowly in line with loan growth with the net interest margin remaining fairly stable over the next quarter with some deterioration as the company moves through the year, assuming interest rates remain low, which will continue to put pressure on asset yields. The company feels it's appropriate to expect the tax rate to return to the 27% to 28% range going forward for 2014.