Peer Analysis

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Performance Ratios (%) GABC Peer Median Peer Average
ROAA 1.41 0.90 0.90
ROAE 12.00 8.62 8.12
Net Interest Margin 3.71 3.56 3.58
Efficiency Ratio 56.31 63.65 65.17
Loans / Deposits 87.17 90.61 88.96
Asset Quality Ratios (%)
NPAs / Assets 0.31 0.60 0.74
NCOs / Avg Loans 0.11 0.08 0.10
Reserves / Loans 0.67 1.06 1.21
Reserves / NPAs 149.52 147.60 159.49
Capital Ratios (%)
Tier 1 Capital 13.25 12.35 13.53
Tangible Equity / Tangible Assets 10.04 9.86 10.03
Total Equity / Total Assets 11.65 11.23 11.03
Market Ratios
Price / Earnings (x) 19.99 19.79 20.09
Price / Book (%) 235.87 131.07 145.91
Dividend Yield (%) 1.61 2.08 2.02
Data for trailing four quarters

German American Bancorp, Inc.'s peer group consists of the following: 1st Source Corporation (SRCE), Bancorp. of Southern Indiana (BCSO), Benton Financial Corporation, CITBA Financial Corporation (CBAF), Community First Bank of Indiana (CFHW), F.S. Bancorp (FXLG), FCN Banc Corp. (FBVI), First Bancorp of Indiana, Inc. (FBPI), First Financial Corporation (THFF), First Internet Bancorp (INBK), First Merchants Corporation (FRME), Home Financial Bancorp (HWEN), Horizon Bancorp, Inc. (HBNC), Independent Alliance Banks, Inc. (IALB), Lafayette Community Bancorp (LFYC), Lakeland Financial Corporation (LKFN), MainSource Financial Group, Inc. (MSFG), MutualFirst Financial, Inc. (MFSF), Northeast Indiana Bancorp, Inc. (NIDB), Old National Bancorp (ONB), STAR Financial Group, Inc. (SFIGA)

German American Bancorp, Inc.'s financial data is as of 3/31/2018.

Peer financial data is as of 3/31/2018 except for these companies:

CITBA Financial Corporation's financial data is as of 12/31/2017.
Independent Alliance Banks, Inc.'s financial data is as of 6/30/2017.
Lafayette Community Bancorp's financial data is as of 6/30/2017.
Community First Bank of Indiana's financial data is as of 12/31/2017.