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Horizon Bancorp, Inc. (HBNC) CEO Craig Dwight on Q3 2021 Results - Earnings Call Transcript

Nov. 01, 2021 2:44 AM ETHorizon Bancorp, Inc. (HBNC)
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Horizon Bancorp, Inc. (NASDAQ:HBNC) Q3 2021 Results Earnings Conference Call October 28, 2021 8:30 AM ET

Company Participants

Craig Dwight - Chairman, Chief Executive Officer

Mark Secor - Executive Vice President, Chief Financial Officer

Jim Neff - President

Dennis Kuhn - Executive Vice President, Chief Commercial Banking Officer

Conference Call Participants

Nathan Race - Piper Sandler

Damon DelMonte - KBW

Daniel Thomas - Stephens

Brian Martin - Janney Montgomery


Good morning everyone and welcome to Horizon Bancorp conference call to discuss financial results for the three months ended September 30, 2021. All participants will be in listen-only mode. [Operator Instructions]. After today's presentation, there will be an opportunity to ask questions. [Operator Instructions].

Before turning the call over to management, please remember that today's call may contain statements that are forward-looking in nature. These statements are subject to risks, uncertainties and other factors that could cause actual results to differ materially from those discussed, including those factors noted in the slide presentation. Additional information about factors that could cause actual results to differ materially is contained in Horizon's current 10-K and later filings.

In addition, management may refer to certain non-GAAP financial measures that are intended to help investors understand Horizon's business. Reconciliations for these measures are contained in the presentation.

The company assumes no obligation to update any forward-looking statements made during this call. If anyone does not already have a copy of the press release and supplemental presentation issued by Horizon yesterday, you can access it at the company's website, www.Horizonbank.com.

Representing Horizon today are Chairman and Chief Executive Officer, Craig Dwight and Executive Vice President and Chief Financial Officer, Mark Secor. They will be joined for the question-and-answer session by President, Jim Neff, Executive Vice President and Chief Commercial Banking Officer, Dennis Kuhn, Senior Vice President for Customer Banking, Noe Najera.

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