German American Bancorp

German American Bancorp is headquartered in Jasper and is the 8^th largest bank in the state of Indiana. It is also the 367^th largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 417 employees at 36 locations. German American Bancorp has a 5-star health rating.

Data for Q1 2012

Institution Statistics German American Bancorp FDIC Certificate # 17393 BankRate Report View Year Established 1910 Employees 417 Primary Regulator FDIC Assets and Liabilities Assets $1.91 billion Loans $1.09 billion Deposits $1.62 billion Equity Capital $183.09 million Loan Loss Allowance $15.77 million Unbacked Noncurrent Loans $15.19 million Real Estate Owned $2.97 million Historic Data - March 2011 Assets $1.76 billion Equity Capital $172.54 million Loan Loss Allowance $14.17 million Unbacked Noncurrent Loans $18.48 million Real Estate Owned $3.43 million Profit Margin - Quarterly Net Interest Margin 3.98% Return on Assets 1.25% Return on Equity 13.14% Interest Income $19.72 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 German American Bancorp had $18.16 million in non-current loans and owned real-estate with $198.85 million in equity and loan loss allowances on hand to cover it. This gives German American Bancorp a Texas Ratio of 9.13% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for German American Bancorp decreased slightly from 12.08% as of March 31, 2011 to 9.13% as of March 31, 2012, resulting in a positive change of 24.39%.This indicates that the balance sheet and financial strength for German American Bancorp has improved slightly in recent periods. Deposit Growth In the past year, German American Bancorp has increased its total deposits by $129.53 million, resulting in 8.67% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth German American Bancorp has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. German American Bancorp has $1.91 billion in assets with $198.85 million in equity, resulting in a capitalization level of 10.44%, which is above average.

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