Peer Analysis

Performance Ratios (%) GABC Peer Median Peer Average
ROAA 1.44 1.38 1.38
ROAE 12.25 10.76 11.26
Net Interest Margin 3.83 3.58 3.73
Efficiency Ratio 56.52 58.62 56.77
Loans / Deposits 86.84 93.89 91.96
Asset Quality Ratios (%)
NPAs / Assets NA 0.44 0.46
NCOs / Avg Loans 0.03 0.05 0.12
Reserves / Loans 0.59 1.01 1.03
Reserves / NPAs NA 143.66 201.00
Capital Ratios (%)
Tier 1 Capital 12.52 12.89 13.75
Tangible Equity / Tangible Assets 10.01 10.08 10.60
Total Equity / Total Assets 12.58 12.29 12.80
Market Ratios
Price / Earnings (x) 14.00 12.66 12.49
Price / Book (%) 154.18 120.39 131.17
Dividend Yield (%) 2.21 2.71 2.71
Data for trailing four quarters

German American Bancorp, Inc.'s peer group consists of the following: 1st Source Corporation (SRCE), First Financial Corporation (THFF), First Merchants Corporation (FRME), Horizon Bancorp, Inc. (HBNC), Lakeland Financial Corporation (LKFN), MutualFirst Financial, Inc. (MFSF), Old National Bancorp (ONB)

German American Bancorp, Inc.'s financial data is as of 6/30/2019.

Peer financial data is as of 6/30/2019