XML 44 R34.htm IDEA: XBRL DOCUMENT v3.7.0.1

Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2017

Receivables [Abstract]

Allowance for Loan Losses

The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company over the prior one to five years. Management believes the five-year historical loss experience methodology is appropriate in the current economic environment, as it captures loss rates that are comparable to the current period being analyzed. The actual allowance for loan loss activity is provided below.

		Three Months Ended June 30								Six Months Ended June 30
		2017 (Unaudited)				2016 (Unaudited)				2017 (Unaudited)				2016 (Unaudited)
Balance at beginning of the period		$	15,054			$	14,236			$	14,837			$	14,534
Loans charged-off:
Commercial
Owner occupied real estate			—				31				—				178
Non owner occupied real estate			—				173				—				472
Residential development			—				—				—				—
Development & Spec Land Loans			1				—				1				—
Commercial and industrial			41				—				41				39
Total commercial			42				204				42				689
Real estate
Residential mortgage			1				—				52				115
Residential construction			—				—				—				—
Mortgage warehouse			—				—				—				—
Total real estate			1				—				52				115
Consumer
Direct Installment			222				46				247				104
Direct Installment Purchased			—				—				—				—
Indirect Installment			323				279				608				555
Home Equity			21				64				71				239
Total consumer			566				389				926				898
Total loans charged-off			609				593				1,020				1,702
Recoveries of loans previously charged-off:
Commercial
Owner occupied real estate			1				4				1				29
Non owner occupied real estate			3				31				25				54
Residential development			2				2				4				4
Development & Spec Land Loans			—				—				—				—
Commercial and industrial			12				63				122				95
Total commercial			18				100				152				182
Real estate
Residential mortgage			9				31				22				63
Residential construction			—				—				—				—
Mortgage warehouse			—				—				—				—
Total real estate			9				31				22				63
Consumer
Direct Installment			34				28				51				44
Direct Installment Purchased			—				—				—				—
Indirect Installment			152				146				265				240
Home Equity			39				46				60				101
Total consumer			225				220				376				385
Total loan recoveries			252				351				550				630
Net loans charged-off (recovered)			357				242				470				1,072
Provision charged to operating expense
Commercial			41				(305	)			928				(639	)
Real estate			93				343				(474	)			(249	)
Consumer			196				194				206				1,652
Total provision charged to operating expense			330				232				660				764
Balance at the end of the period		$	15,027			$	14,226			$	15,027			$	14,226

Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment

The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment analysis:

June 30, 2017		Commercial				Real Estate				Mortgage Warehousing				Consumer				Total
Allowance For Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	—			$	—			$	—			$	—			$	—
Collectively evaluated for impairment			7,617				1,750				1,090				4,570				15,027
Loans acquired with deteriorated credit quality			—				—				—				—				—
Total ending allowance balance		$	7,617			$	1,750			$	1,090			$	4,570			$	15,027
Loans:
Individually evaluated for impairment		$	3,640			$	—			$	—			$	—			$	3,640
Collectively evaluated for impairment			1,143,660				551,574				124,237				451,500				2,270,971
Loans acquired with deteriorated credit quality			—				—				—				—				—
Total ending loans balance		$	1,147,300			$	551,574			$	124,237			$	451,500			$	2,274,611
December 31, 2016		Commercial				Real Estate				Mortgage Warehousing				Consumer				Total
Allowance For Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	4			$	—			$	—			$	—			$	4
Collectively evaluated for impairment			6,575				2,090				1,254				4,914				14,833
Loans acquired with deteriorated credit quality			—				—				—				—				—
Total ending allowance balance		$	6,579			$	2,090			$	1,254			$	4,914			$	14,837
Loans:
Individually evaluated for impairment		$	2,250			$	—			$	—			$	—			$	2,250
Collectively evaluated for impairment			1,071,199				533,399				136,207				399,676				2,140,481
Loans acquired with deteriorated credit quality			—				—				—				—				—
Total ending loans balance		$	1,073,449			$	533,399			$	136,207			$	399,676			$	2,142,731

X

- Definition

Allowance for loans and recorded investment.

+ References

No definition available.

+ Details

Name:	hbnc_ScheduleOfAllowanceForLoansAndRecordedInvestmentByLoanPortfolioTableTextBlock
Namespace Prefix:	hbnc_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953423-111524

+ Details

Name:	us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- References

No definition available.

+ Details

Name:	us-gaap_ReceivablesAbstract
Namespace Prefix:	us-gaap_
Data Type:	xbrli:stringItemType
Balance Type:	na
Period Type:	duration