Horizon Bancorp, Inc. (NASDAQ:HBNC) Q4 2022 Earnings Conference Call January 26, 2022 8:30 AM ET
Company Participants
Craig Dwight - Chairman and Chief Executive Officer
Thomas Prame - President
Mark Secor - Executive Vice President and Chief Executive Financial Officer
Lynn Kerber - Executive Vice President and Chief Commercial Banking Officer
Noe Najera - Executive Vice President and Senior Retail and Mortgage Lending Officer
Conference Call Participants
Terry McEvoy - Stephens
David Long - Raymond James
Nathan Race - Piper Sandler
Damon DelMonte - KBW
Brian Martin - Janney Montgomery
Operator
Good morning, everyone, and welcome to the Horizon Bancorp Conference Call to discuss Financial Results for the Fourth Quarter and Full Year of 2022. [Operator Instructions] There will be a question-and answer session after today's remarks. [Operator Instructions] Please note, this event is being recorded.
Before turning the call over to the 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 factors noted in the slide presentation. Additional information about the factors that could cause actual results to differ materially is contained in the 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 business. Reconciliations for these measures are contained in the presentation. The company assumes no obligation to update any forward-looking statements made during the 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; President, Thomas Prame; EVP and Chief Financial Officer, Mark Secor; EVP and Chief Commercial Banking Officer, Lynn Kerber; and EVP and Senior Retail and Mortgage Lending Officer, Noe Najera.
At this time, I would like to turn the call over to Mr. Craig Dwight, Chairman and Chief Executive Officer. Thank you, and over to you, sir.
Craig Dwight
Thank you, Rocco, and good morning. And thank you for participating in Horizon Bancorp's fourth quarter earnings conference call. Our comments today will follow the investor presentation and press release that we published yesterday, January 25. Horizon is pleased to report record earnings for 2022 in fourth quarter that continues our momentum into 2023 with strong commercial and consumer loan growth, efficiencies gained from closing seven offices and effective expense control.