Company Quick10K Filing
German American Bancorp
Closing Price ($) Shares Out (MM) Market Cap ($MM)
$0.00 25 $744
10-Q 2019-11-08 Quarter: 2019-09-30
10-Q 2019-08-09 Quarter: 2019-06-30
10-Q 2019-05-10 Quarter: 2019-03-31
10-K 2019-03-01 Annual: 2018-12-31
10-Q 2018-11-09 Quarter: 2018-09-30
10-Q 2018-08-09 Quarter: 2018-06-30
10-Q 2018-05-10 Quarter: 2018-03-31
10-K 2018-03-01 Annual: 2017-12-31
10-Q 2017-11-07 Quarter: 2017-09-30
10-Q 2017-08-04 Quarter: 2017-06-30
10-Q 2017-05-09 Quarter: 2017-03-31
10-K 2017-03-09 Annual: 2016-12-31
10-Q 2016-11-09 Quarter: 2016-09-30
10-Q 2016-08-05 Quarter: 2016-06-30
10-Q 2016-05-10 Quarter: 2016-03-31
10-K 2016-03-09 Annual: 2015-12-31
10-Q 2015-11-09 Quarter: 2015-09-30
10-Q 2015-08-07 Quarter: 2015-06-30
10-Q 2015-05-11 Quarter: 2015-03-31
10-K 2015-03-09 Annual: 2014-12-31
10-Q 2014-11-07 Quarter: 2014-09-30
10-Q 2014-08-08 Quarter: 2014-06-30
10-Q 2014-05-09 Quarter: 2014-03-31
10-K 2014-03-13 Annual: 2013-12-31
10-Q 2013-11-12 Quarter: 2013-09-30
10-Q 2013-08-06 Quarter: 2013-06-30
10-Q 2013-05-10 Quarter: 2013-03-31
10-K 2013-03-18 Annual: 2012-12-31
10-Q 2012-11-09 Quarter: 2012-09-30
10-Q 2012-08-03 Quarter: 2012-06-30
10-Q 2012-05-09 Quarter: 2012-03-31
10-K 2012-03-12 Annual: 2011-12-31
10-Q 2011-11-09 Quarter: 2011-09-30
10-Q 2011-08-05 Quarter: 2011-06-30
10-Q 2011-05-10 Quarter: 2011-03-31
10-K 2011-03-11 Annual: 2010-12-31
10-Q 2010-11-08 Quarter: 2010-09-30
10-Q 2010-08-06 Quarter: 2010-06-30
10-Q 2010-05-06 Quarter: 2010-03-31
10-K 2010-03-10 Annual: 2009-12-31
8-K 2019-12-16 Officers
8-K 2019-12-09 Regulation FD, Exhibits
8-K 2019-10-28 Earnings, Other Events, Exhibits
8-K 2019-09-30 Officers, Amend Bylaw, Exhibits
8-K 2019-07-30 Regulation FD, Exhibits
8-K 2019-07-29 Officers
8-K 2019-07-29 Earnings, Other Events, Exhibits
8-K 2019-07-11 Officers
8-K 2019-07-01 Other Events, Exhibits
8-K 2019-06-25 Enter Agreement, Off-BS Arrangement, Regulation FD, Exhibits
8-K 2019-05-16 Officers, Shareholder Vote, Exhibits
8-K 2019-05-16 Regulation FD, Exhibits
8-K 2019-04-29 Officers
8-K 2019-04-29 Earnings, Other Events, Exhibits
8-K 2019-02-21 Enter Agreement, Regulation FD, Exhibits, Enter Agreement
8-K 2019-01-30 Regulation FD, Exhibits
8-K 2019-01-28 Earnings, Other Events, Exhibits
8-K 2019-01-03 Officers, Exhibits
8-K 2018-12-17 Officers
8-K 2018-11-06 Regulation FD, Exhibits
8-K 2018-10-29 Earnings, Officers, Other Events, Exhibits
8-K 2018-10-11 Enter Agreement, Off-BS Arrangement, Regulation FD, Other Events, Exhibits
8-K 2018-09-20 Other Events
8-K 2018-09-07 Other Events
8-K 2018-07-30 Regulation FD, Exhibits
8-K 2018-07-30 Earnings, Other Events, Exhibits
8-K 2018-06-29 Officers, Exhibits
8-K 2018-06-11 Regulation FD, Exhibits
8-K 2018-05-22 Enter Agreement, Regulation FD, Exhibits, Enter Agreement
8-K 2018-05-18 Shareholder Vote
8-K 2018-05-18 Regulation FD, Exhibits
8-K 2018-04-30 Earnings, Other Events, Exhibits
8-K 2018-02-26 Officers
8-K 2018-02-12 Enter Agreement, Regulation FD, Exhibits
8-K 2018-01-31 Regulation FD, Exhibits
8-K 2018-01-29 Earnings, Other Events, Exhibits
GABC 2019-09-30
Part I. Financial Information
Item 1. Financial Statements
Note 1 - Basis of Presentation
Note 2 - Revenue Recognition
Note 3 - per Share Data
Note 4 - Securities
Note 5 - Derivatives
Note 6 - Loans
Note 7 - Repurchase Agreements Accounted for As Secured Borrowings
Note 8 - Segment Information
Note 9 - Stock Repurchase Plan
Note 10 - Equity Plans and Equity Based Compensation
Note 11 - Fair Value
Note 12 - Other Comprehensive Income (Loss)
Note 13 - Recently Adopted and Newly Issued Accounting Pronouncements
Note 14 - Leases
Note 15 - Business Combinations
Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations
Item 3. Quantitative and Qualitative Disclosures About Market Risk
Item 4. Controls and Procedures
Part II. Other Information
Item 1. Legal Proceedings
Item 1A. Risk Factors
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds
Item 3. Defaults Upon Senior Securities
Item 4. Mine Safety Disclosures
Item 5. Other Information
Item 6. Exhibits
EX-31.1 exhibit311-q32019.htm
EX-31.2 exhibit312-q32019.htm
EX-32.1 exhibit321-q32019.htm
EX-32.2 exhibit322-q32019.htm

German American Bancorp Earnings 2019-09-30

GABC 10Q Quarterly Report

Balance SheetIncome StatementCash Flow

Comparables ($MM TTM)
Ticker M Cap Assets Liab Rev G Profit Net Inc EBITDA EV G Margin EV/EBITDA ROA
CTBI 756 4,377 3,783 0 0 65 109 434 4.0 1%
TBK 755 4,783 4,140 0 0 55 142 546 3.8 1%
BMTC 749 4,737 4,146 0 0 60 118 686 5.8 1%
UVSP 748 5,154 4,503 0 0 66 121 834 6.9 1%
GABC 744 3,971 3,471 0 0 54 99 744 7.5 1%
NCOM 740 4,205 3,508 0 0 45 82 523 6.4 1%
TRST 732 5,228 4,712 0 0 60 108 172 1.6 1%
ORIT 731 4,071 3,541 2 0 52 124 1,227 0% 9.9 1%
HBNC 729 5,099 4,472 0 0 54 112 634 5.7 1%
BY 726 5,391 4,674 0 0 57 128 637 5.0 1%

Document
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
 
WASHINGTON, D.C. 20549
 
FORM 10-Q
 
Quarterly Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 for the Quarterly Period Ended September 30, 2019
 
Commission File Number 001-15877
 
German American Bancorp, Inc.
(Exact name of registrant as specified in its charter)
Indiana
 
35-1547518
(State or other jurisdiction of
 
(I.R.S. Employer
incorporation or organization)
 
Identification No.)
 
711 Main Street, Jasper, Indiana 47546
(Address of Principal Executive Offices and Zip Code)
 
Registrant’s telephone number, including area code: (812) 482-1314
 
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.
 
Yes   x      No ¨
 
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).
 
Yes   x      No ¨
 
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company:
Large accelerated filer
x
Accelerated filer ¨
Non-accelerated filer ¨
Smaller reporting company
Emerging growth company
 
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act): 
Yes         No x
 
Securities registered pursuant to Section 12(b) of the Act:
Title of each class
Trading Symbol(s)
Name of each exchange on which registered
Common Stock, no par value
GABC
NASDAQ Global Select Market

As of November 1, 2019, the registrant had 26,661,688 outstanding shares of Common Stock, no par value.



CAUTION REGARDING FORWARD-LOOKING STATEMENTS AND ASSOCIATED RISKS
 
Information included in or incorporated by reference in this Quarterly Report on Form 10-Q, our other filings with the Securities and Exchange Commission (the “SEC”) and our press releases or other public statements, contains or may contain “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Please refer to the discussions of our forward-looking statements and associated risks in our Annual Report on Form 10-K for the year ended December 31, 2018, in Item 1, “Business – Forward-Looking Statements and Associated Risks” and our discussion of risk factors in Item 1A, “Risk Factors” of that Annual Report on Form 10-K, as updated from time to time in our subsequent SEC filings, including by Item 2 of Part I of this Report (“Management’s Discussion and Analysis of Financial Condition and Results of Operations”) at the conclusion of that Item 2 under the heading “Forward-Looking Statements and Associated Risks.”

2


*****
 
INDEX
 
PART I.            FINANCIAL INFORMATION
 
 
 
Item 1.
Unaudited Financial Statements
 
 
 
 
Consolidated Balance Sheets – September 30, 2019 and December 31, 2018
 
 
 
 
Consolidated Statements of Income – Three Months Ended September 30, 2019 and 2018
 
 
 
 
Consolidated Statements of Income – Nine Months Ended September 30, 2019 and 2018
 
 
 
 
Consolidated Statements of Comprehensive Income – Three and Nine Months Ended September 30, 2019 and 2018
 
 
 
 
Consolidated Statements of Changes in Shareholders' Equity - Three and Nine Months Ended September 30, 2019 and 2018
 
 
 
 
Consolidated Statements of Cash Flows – Nine Months Ended September 30, 2019 and 2018
 
 
 
 
Notes to Consolidated Financial Statements – September 30, 2019
 
 
 
Item 2.
Management’s Discussion and Analysis of Financial Condition and Results of Operations
 
 
 
Item 3.
Quantitative and Qualitative Disclosures About Market Risk
 
 
 
Item 4. 
Controls and Procedures
 
 
 
PART II.           OTHER INFORMATION
 
 
 
Item 1.
Legal Proceedings
 
 
 
Item 1A.
Risk Factors
 
 
 
Item 2.
Unregistered Sales of Equity Securities and Use of Proceeds
 
 
 
Item 3.
Defaults Upon Senior Securities
 
 
 
Item 4.
Mine Safety Disclosures
 
 
 
Item 5.
Other Information
 
 
 
Item 6.
Exhibits
 
 
 
SIGNATURES

3


PART  I.         FINANCIAL INFORMATION
Item 1.           Financial Statements
GERMAN AMERICAN BANCORP, INC.
CONSOLIDATED BALANCE SHEETS
(unaudited, dollars in thousands except share and per share data)
 
 
September 30,
2019
 
December 31,
2018
ASSETS
 
 

 
 

Cash and Due from Banks
 
$
64,791

 
$
64,549

Federal Funds Sold and Other Short-term Investments
 
24,343

 
32,001

Cash and Cash Equivalents
 
89,134

 
96,550

 
 
 
 
 
Interest-bearing Time Deposits with Banks
 
1,985

 
250

Securities Available-for-Sale, at Fair Value
 
849,445

 
812,611

Other Investments
 
353

 
353

 
 
 
 
 
Loans Held-for-Sale, at Fair Value
 
19,156

 
4,263

 
 
 
 
 
Loans
 
3,060,742

 
2,731,741

Less: Unearned Income
 
(3,835
)
 
(3,682
)
Allowance for Loan Losses
 
(15,869
)
 
(15,823
)
Loans, Net
 
3,041,038

 
2,712,236

 
 
 
 
 
Stock in FHLB of Indianapolis and Other Restricted Stock, at Cost
 
13,968

 
13,048

Premises, Furniture and Equipment, Net
 
98,754

 
80,627

Other Real Estate
 
625

 
286

Goodwill
 
120,835

 
103,681

Intangible Assets
 
12,983

 
9,964

Company Owned Life Insurance
 
68,707

 
59,896

Accrued Interest Receivable and Other Assets
 
38,899

 
35,325

TOTAL ASSETS
 
$
4,355,882

 
$
3,929,090

 
 
 
 
 
LIABILITIES
 
 

 
 

Non-interest-bearing Demand Deposits
 
$
827,259

 
$
715,972

Interest-bearing Demand, Savings, and Money Market Accounts
 
1,910,395

 
1,768,177

Time Deposits
 
693,632

 
588,483

Total Deposits
 
3,431,286

 
3,072,632

 
 
 
 
 
FHLB Advances and Other Borrowings
 
316,687

 
376,409

Accrued Interest Payable and Other Liabilities
 
44,982

 
21,409

TOTAL LIABILITIES
 
3,792,955

 
3,470,450

 
 
 
 
 
SHAREHOLDERS’ EQUITY
 
 

 
 

Common Stock, no par value, $1 stated value; 45,000,000 shares authorized
 
26,662

 
24,967

Additional Paid-in Capital
 
278,608

 
229,347

Retained Earnings
 
241,801

 
211,424

Accumulated Other Comprehensive Income (Loss)
 
15,856

 
(7,098
)
TOTAL SHAREHOLDERS’ EQUITY
 
562,927

 
458,640

TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY
 
$
4,355,882

 
$
3,929,090

End of period shares issued and outstanding
 
26,662,078

 
24,967,458





See accompanying notes to consolidated financial statements.

4


GERMAN AMERICAN BANCORP, INC.
CONSOLIDATED STATEMENTS OF INCOME
(unaudited, dollars in thousands except per share data)
 

Three Months Ended 
September 30,
 

2019

2018
INTEREST INCOME

 


 

Interest and Fees on Loans

$
40,921


$
28,148

Interest on Federal Funds Sold and Other Short-term Investments

163


101

Interest and Dividends on Securities:

 


 

Taxable

3,400


2,970

Non-taxable

2,427


2,256

TOTAL INTEREST INCOME

46,911


33,475








INTEREST EXPENSE

 


 

Interest on Deposits

6,399


3,535

Interest on FHLB Advances and Other Borrowings

1,934


1,392

TOTAL INTEREST EXPENSE

8,333


4,927








NET INTEREST INCOME

38,578


28,548

Provision for Loan Losses

2,800


500

NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES

35,778


28,048








NON-INTEREST INCOME

 


 

Trust and Investment Product Fees

1,885


1,585

Service Charges on Deposit Accounts

2,395


1,858

Insurance Revenues

1,883


1,827

Company Owned Life Insurance

364


251

Interchange Fee Income

2,538


1,847

Other Operating Income

1,029


639

Net Gains on Sales of Loans

1,649


866

Net Gains on Securities

313


90

TOTAL NON-INTEREST INCOME

12,056


8,963








NON-INTEREST EXPENSE

 


 

Salaries and Employee Benefits

17,579


12,134

Occupancy Expense

2,797


1,967

Furniture and Equipment Expense

954


771

FDIC Premiums



324

Data Processing Fees

2,860


1,309

Professional Fees

1,324


793

Advertising and Promotion

1,054


851

Intangible Amortization

1,064


430

Other Operating Expenses

4,329


2,997

TOTAL NON-INTEREST EXPENSE

31,961


21,576








Income before Income Taxes

15,873


15,435

Income Tax Expense

2,809


2,796

NET INCOME

$
13,064


$
12,639








Basic Earnings per Share

$
0.49


$
0.55

Diluted Earnings per Share

$
0.49


$
0.55

 



See accompanying notes to consolidated financial statements.

5


GERMAN AMERICAN BANCORP, INC.
CONSOLIDATED STATEMENTS OF INCOME
(unaudited, dollars in thousands except per share data)
 
 
Nine Months Ended
September 30,
 
 
2019
 
2018
INTEREST INCOME
 
 

 
 

Interest and Fees on Loans
 
$
111,086

 
$
78,406

Interest on Federal Funds Sold and Other Short-term Investments
 
389

 
211

Interest and Dividends on Securities:
 


 


Taxable
 
10,554

 
8,930

Non-taxable
 
7,107

 
6,606

TOTAL INTEREST INCOME
 
129,136

 
94,153

 
 
 
 
 
INTEREST EXPENSE
 
 

 
 

Interest on Deposits
 
17,574

 
8,666

Interest on FHLB Advances and Other Borrowings
 
5,752

 
3,860

TOTAL INTEREST EXPENSE
 
23,326

 
12,526

 
 
 
 
 
NET INTEREST INCOME
 
105,810

 
81,627

Provision for Loan Losses
 
3,725

 
2,070

NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES
 
102,085

 
79,557

 
 
 
 
 
NON-INTEREST INCOME
 
 

 
 

Trust and Investment Product Fees
 
5,365

 
5,035

Service Charges on Deposit Accounts
 
6,319

 
4,972

Insurance Revenues
 
7,017

 
6,453

Company Owned Life Insurance
 
1,552

 
823

Interchange Fee Income
 
6,965

 
5,043

Other Operating Income
 
2,361

 
2,156

Net Gains on Sales of Loans
 
3,660

 
2,421

Net Gains on Securities
 
984

 
434

TOTAL NON-INTEREST INCOME
 
34,223

 
27,337

 
 
 
 
 
NON-INTEREST EXPENSE
 
 

 
 

Salaries and Employee Benefits
 
46,740

 
36,279

Occupancy Expense
 
7,367

 
5,522

Furniture and Equipment Expense
 
2,815

 
2,152

FDIC Premiums
 
533

 
799

Data Processing Fees
 
6,246

 
3,834

Professional Fees
 
3,825

 
3,025

Advertising and Promotion
 
2,860

 
2,409

Intangible Amortization
 
2,709

 
942

Other Operating Expenses
 
11,243

 
8,777

TOTAL NON-INTEREST EXPENSE
 
84,338

 
63,739

 
 
 
 
 
Income before Income Taxes
 
51,970

 
43,155

Income Tax Expense
 
8,568

 
7,606

NET INCOME
 
$
43,402

 
$
35,549

 
 
 
 
 
Basic Earnings per Share
 
$
1.70

 
$
1.55

Diluted Earnings per Share
 
$
1.70

 
$
1.55





See accompanying notes to consolidated financial statements.

6


GERMAN AMERICAN BANCORP, INC.
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
(unaudited, dollars in thousands)
 
 
 
Three Months Ended
September 30,
 
 
2019
 
2018
 
 
 
 
 
NET INCOME
 
$
13,064

 
$
12,639

 
 
 
 
 
Other Comprehensive Income (Loss):
 
 

 
 

Unrealized Gains (Losses) on Securities:
 
 

 
 

Unrealized Holding Gain (Loss) Arising During the Period
 
6,223

 
(4,889
)
Reclassification Adjustment for Gains Included in Net Income
 
(313
)
 
(90
)
Tax Effect
 
(1,261
)
 
1,058

Net of Tax
 
4,649

 
(3,921
)
 
 
 
 
 
Total Other Comprehensive Income (Loss)
 
4,649

 
(3,921
)
 
 
 
 
 
COMPREHENSIVE INCOME
 
$
17,713

 
$
8,718

 

 
 




 
 
Nine Months Ended
September 30,
 
 
2019
 
2018
 
 
 
 
 
NET INCOME
 
$
43,402

 
$
35,549

 
 
 
 
 
Other Comprehensive Income (Loss):
 
 

 
 

Unrealized Gains (Losses) on Securities:
 
 

 
 

Unrealized Holding Gain (Loss) Arising During the Period
 
30,262

 
(18,181
)
Reclassification Adjustment for Gains Included in Net Income
 
(984
)
 
(434
)
Tax Effect
 
(6,324
)
 
3,975

Net of Tax
 
22,954

 
(14,640
)
 
 
 
 
 
Total Other Comprehensive Income (Loss)
 
22,954

 
(14,640
)
 
 
 
 
 
COMPREHENSIVE INCOME
 
$
66,356

 
$
20,909










See accompanying notes to consolidated financial statements.

7


GERMAN AMERICAN BANCORP, INC.
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY
(unaudited, dollars in thousands)

 
 
Common Stock
 
 
 
 
 
 
 
 
 
 
Shares
 
Amount
 
Additional Paid-in Capital
 
Retained Earnings
 
Accumulated Other Comprehensive Income (Loss)
 
Total Shareholders' Equity
Balances, December 31, 2018
 
24,967,458

 
$
24,967

 
$
229,347

 
$
211,424

 
$
(7,098
)
 
$
458,640

 
 
 
 
 
 
 
 
 
 
 
 
 
Net Income
 
 
 
 
 
 
 
15,067

 
 
 
15,067

Other Comprehensive Income (Loss)
 
 
 
 
 
 
 
 
 
9,414

 
9,414

Cash Dividends ($0.17 per share)
 
 
 
 
 
 
 
(4,245
)
 
 
 
(4,245
)
Issuance of Common Stock for:
 
 
 
 
 
 
 
 
 
 
 


Restricted Share Grants
 
24,780

 
25

 
286

 
 
 
 
 
311

 
 
 
 
 
 
 
 
 
 
 
 
 
Balances, March 31, 2019
 
24,992,238

 
$
24,992

 
$
229,633

 
$
222,246

 
$
2,316

 
$
479,187

 
 
 
 
 
 
 
 
 
 
 
 
 
Net Income
 
 

 
 
 
 
 
15,271

 
 
 
15,271

Other Comprehensive Income (Loss)
 
 

 
 
 
 
 
 
 
8,891

 
8,891

Cash Dividends ($0.17 per share)
 
 

 
 
 
 
 
(4,248
)
 
 
 
(4,248
)
Issuance of Common Stock for:
 
 

 
 
 
 
 
 

 
 

 
 

Restricted Share Grants
 


 


 
310

 
 
 
 
 
310

 
 
 
 
 
 
 
 
 
 
 
 
 
Balances, June 30, 2019
 
24,992,238

 
$
24,992

 
$
229,943

 
$
233,269

 
$
11,207

 
$
499,411

 
 
 
 
 
 
 
 
 
 
 
 
 
Net Income
 
 

 
 
 
 
 
13,064

 
 
 
13,064

Other Comprehensive Income (Loss)
 
 

 
 
 
 
 
 
 
4,649

 
4,649

Cash Dividends ($0.17 per share)
 
 

 
 
 
 
 
(4,532
)
 
 
 
(4,532
)
Issuance of Common Stock for:
 
 

 
 
 
 
 
 

 
 

 
 

Acquisition of Citizens First Corporation
 
1,663,954

 
1,664

 
48,360

 
 
 
 
 
50,024

Restricted Share Grants
 
5,886

 
6

 
305

 
 
 
 
 
311