Earnings Call Summary | Horizon Bancorp (IN)(HBNC.US) Q1 2024 Earnings Conference
Earnings Call Summary | Horizon Bancorp (IN)(HBNC.US) Q1 2024 Earnings Conference
The following is a summary of the Horizon Bancorp, Inc. (HBNC) Q1 2024 Earnings Call Transcript:
以下是Horizon Bancorp, Inc.（HBNC）2024年第一季度财报电话会议记录摘要：
Financial Performance:
财务业绩：
Horizon reported an expanded net interest income for the second consecutive quarter.
The net interest margin was 2.5% for the quarter, improving to 2.53% at the end of March due to minimal charge-offs and low nonperforming loans.
Non-interest incomes and expenses for Q1 2024 remained relatively the same compared to the same period in 2023.
Horizon报告称，净利息收入连续第二个季度有所增加。
本季度的净利率为2.5％，由于扣款最少和不良贷款低，3月底提高至2.53％。
与2023年同期相比，2024年第一季度的非利息收入和支出相对保持不变。
Business Progress:
业务进展：
Significant loan growth was observed in Horizon Bancorp's core business lines, along with an increase in their deposit portfolio, commercial, residential, and consumer loans.
The company remains optimistic about increasing the net interest margin in a flat-age environment.
They anticipate an annualized organic loan growth of 5-6% and total loan growth of 8-10% for Q2 2024.
The company's strategies focus on credit risk management for mitigating potential headwinds.
A rise in interest margin for the rest of the year is expected due to repricing of assets.
Horizon Bancorp的核心业务领域的贷款显著增长，其存款组合、商业、住宅和消费贷款也有所增加。
该公司对在固定年龄环境中提高净利率仍然持乐观态度。
他们预计，2024年第二季度的年化有机贷款增长率为5-6％，总贷款增长8-10％。
该公司的战略侧重于信用风险管理，以缓解潜在的不利因素。
由于资产的重新定价，预计今年剩余时间的利润率将增加。
More details: Horizon Bancorp (IN) IR
更多详情： 地平线银行 (IN) IR
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译文内容由第三方软件翻译。