Peer Analysis

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Performance Ratios (%) GABC Peer Median Peer Average
ROAA 1.35 0.86 0.87
ROAE 11.59 8.21 7.87
Net Interest Margin 3.76 3.56 3.57
Efficiency Ratio 55.79 64.81 65.38
Loans / Deposits 86.22 90.66 89.44
Asset Quality Ratios (%)
NPAs / Assets 0.36 0.70 0.76
NCOs / Avg Loans 0.04 0.08 0.09
Reserves / Loans 0.73 1.05 1.21
Reserves / NPAs 138.96 116.08 151.17
Capital Ratios (%)
Tier 1 Capital 12.99 12.35 13.33
Tangible Equity / Tangible Assets 9.99 9.91 10.04
Total Equity / Total Assets 11.59 11.23 11.07
Market Ratios
Price / Earnings (x) 19.75 19.61 20.35
Price / Book (%) 219.86 120.47 139.83
Dividend Yield (%) 1.72 2.17 2.41
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 (BTOF), 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 (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 12/31/2017.

Peer financial data is as of 12/31/2017 except for these companies:

1st Source Corporation's financial data is as of 3/31/2018.
F.S. Bancorp's financial data is as of 3/31/2018.
Northeast Indiana Bancorp, Inc.'s financial data is as of 3/31/2018.
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.
First Internet Bancorp's financial data is as of 3/31/2018.