Regulatory Capital (Tables)

12 Months Ended

Dec. 31, 2020

Summary of Regulatory Capital Requirement

Horizon and the Bank’s actual and required capital ratios as of December 31, 2020 and 2019 were as follows:


	Actual				Required for Capital Adequacy Purposes(1)				Required For Capital Adequacy Purposes with Capital Buffer(1)				Well Capitalized Under Prompt Corrective Action Provisions(1)
	Amount		Ratio		Amount		Ratio		Amount		Ratio		Amount		Ratio
December 31, 2020
Total capital (to risk–weighted assets)(1)
Consolidated	$	648,804	14.91	%	$	348,024	8.00	%	$	456,782	10.50	%	N/A		N/A
Bank	532,315		12.21	%	348,810		8.00	%	457,813		10.50	%	$	436,013	10.00	%
Tier 1 capital (to risk–weighted assets)(1)
Consolidated	607,340		13.96	%	261,018		6.00	%	369,775		8.50	%	N/A		N/A
Bank	492,221		11.29	%	261,606		6.00	%	370,609		8.50	%	348,808		8.00	%
Common equity tier 1 capital (to risk–weighted assets)(1)
Consolidated	491,281		11.29	%	195,764		4.50	%	304,522		7.00	%	N/A		N/A
Bank	492,221		11.29	%	196,205		4.50	%	305,207		7.00	%	283,407		6.50	%
Tier 1 capital (to average assets)(1)
Consolidated	607,340		10.68	%	227,507		4.00	%	227,507		4.00	%	N/A		N/A
Bank	492,221		8.71	%	226,158		4.00	%	226,158		4.00	%	282,697		5.00	%
December 31, 2019
Total capital (to risk–weighted assets)(1)
Consolidated	$	548,364	13.95	%	$	314,395	8.00	%	$	412,644	10.500	%	N/A		N/A
Bank	497,227		12.65	%	314,452		8.00	%	412,718		10.500	%	$	393,065	10.00	%
Tier 1 capital (to risk–weighted assets)(1)
Consolidated	530,643		13.50	%	235,796		6.00	%	334,044		8.500	%	N/A		N/A
Bank	479,506		12.20	%	235,823		6.00	%	334,082		8.500	%	314,430		8.00	%
Common equity tier 1 capital (to risk–weighted assets)(1)
Consolidated	473,150		12.04	%	176,846		4.50	%	275,094		7.500	%	N/A		N/A
Bank	479,506		12.20	%	176,867		4.50	%	275,126		7.500	%	255,475		6.50	%
Tier 1 capital (to average assets)(1)
Consolidated	530,643		10.50	%	202,111		4.00	%	202,111		4.000	%	N/A		N/A
Bank	479,506		9.49	%	202,110		4.00	%	202,110		4.000	%	252,638		5.00	%
(1)As defined by regulatory agencies