{"schema_version":"secwatch.filing_event.v1","accession":"0000706129-23-000002","form_type":"8-K","ticker":"HBNC","cik":"0000706129","company_name":"HORIZON BANCORP INC /IN/","filed_at":"2023-01-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:47.813176+00:00","generated_at":"2026-06-20T09:57:26.685733+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Horizon Bancorp reports record annual net income of $93.4M in 2022; Q4 EPS $0.48","bullets":["FY 2022 net income $93.4M ($2.14 diluted EPS), up from $87.1M ($1.98) in 2021.","Q4 net income $21.2M ($0.48 diluted EPS) versus $23.8M ($0.55) linked quarter and $21.4M ($0.49) year ago.","Total loans grew 13.4% YTD; commercial loans reached record $2.42B, up 13.4% YTD.","Net interest margin declined to 2.85% in Q4 from 3.04% in Q3, pressured by higher deposit costs.","Immaterial revision of Q3 2022 financials reclassifies dealer reserve amortization between interest income and non-interest expense."],"urls":{"canonical":"https://secwatch.observer/filing/0000706129-23-000002","json":"https://secwatch.observer/filing/0000706129-23-000002.json","markdown":"https://secwatch.observer/filing/0000706129-23-000002.md","text":"https://secwatch.observer/filing/0000706129-23-000002.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/706129/000070612923000002/0000706129-23-000002-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/706129/000070612923000002/hbnc-20230125.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T09:57:26.685733+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"4a463888e7bbf2d5924194022d82b10f597dcddc","claim":"HORIZON BANCORP INC /IN/ reported the three months ended December 31, 2022 results: net income $21.2 million, EPS $0.48.","evidence_excerpt":"Net income totaled $21.2 million, compared to $23.8 million in the third quarter and $21.4 million in the prior year period. Diluted earnings per share (“EPS”) was $0.48 compared to $0.55 for the third quarter of 2022 and $0.49 for the fourth quarter of 2021.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/706129/000070612923000002/0000706129-23-000002-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended December 31, 2022"},{"label":"Net income","value":"$21.2 million"},{"label":"EPS","value":"$0.48"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}