Horizon Bancorp (HBNC) 8-K Regulation FD Disclosure

A NASDAQ Traded Company - Symbol HBNC

Forward-Looking Statements

This presentation may contain forward-
looking statements regarding financial
performance, business prospects, growth
and operating strategies.For these
statements, Horizon claims the protection
of the safe harbor for forward-looking
statements contained in the Private
Securities Litigation Reform Act of 1995.

*Based on price at the close of business on June 30, 2010 at $21.33 per share

**Total assets and deposits as of June 30, 2010

***Horizon is closing two branches by September 30, 2010

Horizon is a Retail Bank

Corporate Profile

•Shares Outstanding3.3 Million

•Market Cap*$70.3 Million

•Total Assets**$1.5 Billion

•Total Deposits**$1.0 Billion

•Branches***23

•Ownership

–Insiders10%

–Employee Benefit Plans16%

–Institutional & Mutual Funds19%

Locations

Michigan City

South Bend

Elkhart

Whiting

Kalamazoo

St. Joe / Benton Harbor

Crown Point

Valparaiso

Diversified Employment Base

Ranked #1
Retirement Community for Chicago Area

Total household information obtained from Demographics Now

Household Growth Opportunities

Counties: Elkhart County, La Porte County, Lake County, Porter County, St. Joseph County, Berrien County,
Kalamazoo County.Information obtained from Demographics Now

Business Growth Opportunities

County	2000 Total Market Deposits	2009 Total Market Deposits	Market Growth Since 2000	2000 HBNC Deposits	2009 HBNC Deposits	HBNC Growth Since 2000
La Porte Co., IN	$1,105	$1,349	22%	$336	$492	47%
Porter Co., IN	$1,362	$2,155	58%	$39	$164	319%
Berrien Co., MI	$1,874	$1,889	1%	$65	$148	130%
Lake Co., IN	$5,438	$7,433	37%	0	$127	n/a
St. Joseph Co., IN	$3,129	$3,935	26%	0	$10	n/a
Elkhart Co., IN	$1,642	$2,305	40%	0	$13	n/a
Kalamazoo Co., MI	$2,011	$2,696	34%	0	0	n/a

(Millions)

Growing Markets & Increasing Market Share

American Trust & Savings AcquisitionAccretive to Earnings Per Share

•Purchase & Assumption

–Assets ≈ $108 million

–Deposits ≈ $110 million

•Financial

–Annual earnings after tax run rate estimated at $0.27 and
$0.33 diluted EPS

–$664,000 in transaction costs have been expensed in 2010

•Good Asset Quality

–Non-performing loans less than $400,000

–Delinquency less than 1.0%

Source: UniformBank Performance Reports.Indiana and Michigan are state averages for all insured
commercial banks.National is all insured commercial banks with assets between $1 billion and $3 billion.

2008

2009

Horizon More Profitable Than State & National Peers
As Measured By Return On Average Assets

1/2

1/2

1/2

1/2

1/2

1/2

Source of Ratings: www.bauerfinancial.com - Telephone: 800.388.6686

Star Ratings as of December 31, 2009 and through April 16, 2010

Horizon is a Top Rated Bank

•Indiana

–Horizon

–Centier

–1st Source

–La Porte Savings

–First Midwest

–Peoples Bank

–Citizens Financial

–Standard Bank

•Michigan

–Chemical

–Flag Star

–Edgewater

–New Buffalo Savings

•Big Banks

–Chase Bank USA

–Bank of America

–5th 3rd

–PNC

–Wells Fargo

Record Earnings - Ten Consecutive Years

CAGR10.29%

2000 to 2009

YTD
6 months

Strong Growth in Pre-Tax Pre-Provision Earnings

CAGR14.04%

YTD
6 months

2000 to 2009

Improving Net Interest Margin

YTD
6 months

Peer Data Source: KBW Report dated June 2010 covering Indiana Publicly Traded Banks; peer data represents a
peer average and is as of June 2010for all periods reviewed.

Horizon Exceeds Peer Average for Efficiency

YTD
6 months

Steady Asset Growth

CAGR10.1%

As of
June
30th

2000 to 2009

CAGR 9.23%

2000 to 2009

As of
June
30th

Increasing Core Deposits

Loan Quality

Sound Credit Culture

•Team of Seasoned Underwriters

–Average Tenure > 20 years

•Primarily an In-Market and Full Recourse Lender

•Predominately a Secured Lender

•Retail & Small Business Focus

–Average Commercial Loan Size Approximately $250,000

•We Manage Lending Limits

–House Limit $10 million

–Legal Limit > $18 million

–Five Loan Relationships with Balances > $5 million

“LowPercentage” of Development Loans

Commercial Loans As a Percent of Total Loans at June 30, 2010

Dollars in Millions

14%

12%

6%

0.3%

1%

1%

0.8%

Diversity in Non-Performing & Real Estate Owned

Non-Performing and REO By Classification at June 30, 2010

Dollars in Millions

Non-Performing Loans - $17.8

Other Real Estate Owned - $2.9

Consumer Loans Lead in Dollars Charged-off

By Type Of Loan

As of
June
30th

Horizon Outperforms Peer Groups

Non-Performing Loans Plus OREO to Gross Loans Plus OREO

Source: FDIC Uniform Bank Performance Reports.Peer is a custom group of 18 publicly traded banks headquartered in the state of
Indiana. National peer group consists of insured commercial banks having assets between 1 billion and 3 billion.

1st Qtr

2010

2nd Qtr

Invest in Horizon

Source: www.bauerfinancial.com - Telephone: 800.388.6686

Highly Regarded In Our Communities

•Nine out of Ten Customers - Would Refer a Friend

•Best Bank - The News Dispatch Readers Poll -Nine out
of Last Ten Years

•Best Trust Company - NW Indiana Business Quarterly

•Best Place to Work - NW Indiana Business Quarterly

•Family Friendly Work Policies - Clarian Award

•Ranked in the Top 200 Community Banks for
Financial Performance - US Banker Magazine

•Five Star Rating - Bauer Financial

Stable Performance & Growth

•Earnings Growth for Ten Consecutive Years

•Diversified Revenue Streams

•Efficient Operations

•Lake Michigan Corridor Primed for Growth

•Super Regional Banks Cutting Back - Market Share
Opportunities

•Opportunities Increasing for Healthy Banks

	Horizon Bancorp*	Avg. Indiana Banks**
Dividend Yield	3.2%	2.0%
Price to Book	75.9%	80.5%
Price to Tangible Book	84.0%	87.5%
Price to Earnings (LTM)	9.6x	24.1x

*Horizon Bancorp data as of June 30, 2010

**Peer Data Source: KBW Report as ofJune 2010 Covering Indiana Publicly Traded

Horizon is an Attractive Value

Horizon Outperforms NASDAQ Bank Index

A NASDAQ Traded Company - Symbol HBNC