Horizon Bancorp operates as the holding company for Horizon Bank, N.A. that provides commercial and retail banking services in northwestern Indiana and southwestern Michigan. The bank engages in generating deposits and originating loans. Its deposit products include demand, time, savings, and money market deposits. The bank’s loan portfolio comprises commercial, financial, agricultural, and commercial tax-exempt loans; mortgage warehouse loans; real estate mortgage loans; and installment loans. It also provides corporate and individual trust and agency services and investment management services. As of December 31, 2005, the bank operated four banking facilities in...