Horizon Bancorp, Inc. (NASDAQ:HBNC) Q4 2024 Earnings Conference Call January 23, 2025 8:30 AM ET
Company Participants
Thomas Prame - President and Chief Executive Officer
Lynn Kerber - Executive Vice President and Chief Commercial Banking Officer
John Stewart - Executive Vice President and Chief Financial Officer
Conference Call Participants
Brendan Nosal - Hovde Group
Terry McEvoy - Stephens
Nathan Race - Piper Sandler
Damon DelMonte - KBW
David Long - Raymond James
Brian Martin - Janney Montgomery
Operator
Good morning, everyone, and welcome to the Horizon Bancorp, Inc. Conference Call to discuss Financial Results for the Fourth Quarter of 2024. All participants will be in a listen-only mode. [Operator Instructions]
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, include those factors noted in the slide presentation. Additional information about the factors that could cause actual results to differ materially is contained in Horizon's most recent Form 10-K and its later filings with the Securities and Exchange Commission.
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 the call. For anyone who does not already have a copy of the press release and supplemental presentation issued by Horizon yesterday, they can be accessed at the company's website, horizonbank.com.
Representing Horizon today are Executive Vice President and Senior Operations Officer, Kathie DeRuiter; Executive Vice President, Corporate Secretary and General Counsel, Todd Etzler; Executive Vice President and Chief Commercial Banking Officer, Lynn Kerber; Executive Vice President and Chief Financial Officer, John Stewart; Executive Vice President and Chief