On November 30, 2016, Horizon Bancorp (the Company) announced
that it is engaging in a series of balance sheet restructuring
transactions that are expected to improve the Companys overall
financial position, including an anticipated increase in net
interest margin, return on average assets and return on average
equity. The transactions include prepaying certain high
fixed-rate borrowings and repositioning the investment portfolio
to replace certain lower yielding short-term investments, all as
more completely described in a press release issued by the
Company on November 30, 2016, a copy of which is attached to this
Form 8-K as Exhibit 99.1. The Companys deleveraging strategy is
still in process and is expected to be completed by the end of
the fourth quarter of 2016.

Forward Looking Statements

This Form 8-K may contain forward-looking statements regarding
the financial performance, business prospects, and growth and
operating strategies of the Company. For these statements, the
Company claims the protections of the safe harbor for
forward-looking statements contained in the Private Securities
Litigation Reform Act of 1995. Statements in this press release
should be considered in conjunction with the other information
available about the Company, including the information in the
filings we make with the Securities and Exchange Commission.
Forward-looking statements provide current expectations or
forecasts of future events and are not guarantees of future
performance. The forward-looking statements are based on
managements expectations and are subject to a number of risks and
uncertainties. We have tried, wherever possible, to identify such
statements by using words such as anticipate, estimate, project,
intend, plan, believe, will and similar expressions in connection
with any discussion of future operating or financial performance.
Although management believes that the expectations reflected in
such forward-looking statements are reasonable, actual results
may differ materially from those expressed or implied in such
statements. Risks and uncertainties that could cause actual
results to differ materially include risk factors relating to the
banking industry and the other factors detailed from time to time
in the Companys reports filed with the Securities and Exchange
Commission, including those described in its Form 10-K. Undue
reliance should not be placed on the forward-looking statements,
which speak only as of the date hereof. The Company does not
undertake, and specifically disclaims any obligation, to publicly
release the result of any revisions that may be made to update
any forward-looking statement to reflect the events or
circumstances after the date on which the forward-looking
statement is made, or reflect the occurrence of unanticipated
events, except to the extent required by law.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits