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Overview / Commentary
711 Main Street
Jasper, IN 47546

German American Bancorp is headquartered in Jasper and is the 8th largest bank in the state of Indiana. It is also the 340th largest bank in the nation. It was established in 1910 and as of March of 2014, it had grown to 479 employees at 39 locations. German American Bancorp has a A health rating.

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Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 German American Bancorp had $12.55 million in non-current loans and owned real-estate with $212.57 million in equity and loan loss allowances on hand to cover it. This gives German American Bancorp a Texas Ratio of 5.90% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for German American Bancorp experienced no significant changes from 5.73% as of March 31, 2013 to 5.90% as of March 31, 2014, resulting in a negative change of 3.02%. This indicates that the balance sheet and financial strength for German American Bancorp has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, German American Bancorp has increased its total deposits by $96.91 million, resulting in 5.75% 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

GRADE:
B

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 $2.14 billion in assets with $212.57 million in equity, resulting in a capitalization level of 9.92%, which is above average.

Institution Statistics

Overall
FDIC Certificate #17393
Year Established1910
Employees479
Primary RegulatorFDIC
Assets and Liabilities
Assets$2.14 billion
Loans$1.36 billion
Deposits$1.78 billion
Equity Capital$197.09 million
Loan Loss Allowance$15.48 million
Unbacked Noncurrent Loans$11.78 million
Real Estate Owned$770,000
Historic Data - March 2013
Assets$1.97 billion
Equity Capital$187.90 million
Loan Loss Allowance$15.73 million
Unbacked Noncurrent Loans$11.78 million
Real Estate Owned$1.74 million
Profit Margin - Quarterly
Net Interest Margin3.68%
Return on Assets1.18%
Return on Equity12.94%
Interest Income$19.66 million
Rates

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Locations

German American Bancorp has 36 locations. Click to view all German American Bancorp locations.