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Balance Sheet
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Income Overview
Net Income
$38,172K
EPS
$1.02
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Non-interest income-Wealth Management Fees
5,010
4,509
4,519
4,288
Non-interest income-Service Chargeon Deposit Accounts
3,988
3,826
3,956
3,927
Non-interest income-Insurance Revenue
-
-
0*
0
Non-interest income-Interchange Fee Income
5,328
4,776
5,033*
5,087
Company owned life insurance
667
637
647
630
Gain on sale of assets of german american insurance
-
-
-
0
Sale of assets of german american insurance
-
-
0*
-
Other operating income
2,204
1,995
1,663
3,308
Net gains on sales of loans
1,549
1,483
1,492
1,189
Net gains on securities
0
0
0*
0
Total non-interest income
18,746
17,226
17,310
18,429
Interest and fees on loans
93,513
92,273
93,785
93,305
Interest on federal funds sold and other short-term investments
1,186
312
2,585
2,084
Taxable
9,924
9,671
9,513
9,268
Non-taxable
3,559
3,452
3,458
3,440
Total interest income
108,182
105,708
109,341
108,097
Interest on deposits
25,176
24,698
28,013
29,416
Interest on fhlb advances and other borrowings
1,798
2,159
2,648
2,956
Total interest expense
26,974
26,857
30,661
32,372
Net interest income
81,208
78,851
78,680
75,725
Provision for credit losses
1,500
2,000
2,225
700
Net interest income after provision for credit losses
79,708
76,851
76,455
75,025
Salaries and employee benefits
27,142
28,312
27,620
25,444
Occupancy, furniture and equipment expense
5,178
5,336
4,965
5,255
Fdic premiums
936
1,001
953
1,059
Data processing fees
4,358
4,268
3,823
4,175
Professional fees
2,144
1,991
2,162
1,960
Advertising and promotion
1,240
1,616
1,078
1,321
Intangible amortization
2,362
2,471
2,582
2,693
Other operating expenses
7,022
7,373
6,767
7,793
Total non-interest expense
50,382
52,368
49,950
49,700
Income before income taxes
48,072
41,709
43,815
43,754
Income tax expense
9,900
8,557
-
8,680
Net income
38,172
33,152
-
35,074
Basic EPS
1.02
0.88
1.682
0.94
Diluted EPS
1.02
0.88
1.682
0.94
Basic Average Shares
37,564,295
37,517,833
37,532,279
37,493,028
Diluted Average Shares
37,564,295
37,517,833
37,532,279
37,493,028
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Interest and fees on loans
$93,513K
(3.90%↑ Y/Y)
Taxable
$9,924K
(8.59%↑ Y/Y)
Non-taxable
$3,559K
(5.86%↑ Y/Y)
Interest on federal funds
sold and other...
$1,186K
(-69.84%↓ Y/Y)
Total interest income
$108,182K
(1.64%↑ Y/Y)
Net interest income
$81,208K
(11.01%↑ Y/Y)
Non-interest
income-Interchange Fee Income
$5,328K
(5.36%↑ Y/Y)
Non-interest income-Wealth
Management Fees
$5,010K
(20.29%↑ Y/Y)
Non-interest income-Service
Chargeon Deposit...
$3,988K
(7.38%↑ Y/Y)
Other operating
income
$2,204K
(5.10%↑ Y/Y)
Net gains on sales of
loans
$1,549K
(55.37%↑ Y/Y)
Company owned life
insurance
$667K
(-5.12%↓ Y/Y)
Total interest
expense
$26,974K
(-18.95%↓ Y/Y)
Net interest income
after provision for...
$79,708K
(10.77%↑ Y/Y)
Total non-interest
income
$18,746K
(12.03%↑ Y/Y)
Provision for credit
losses
$1,500K
(25.00%↑ Y/Y)
Interest on deposits
$25,176K
(-17.82%↓ Y/Y)
Interest on fhlb advances
and other...
$1,798K
(-32.02%↓ Y/Y)
Income before income
taxes
$48,072K
(22.72%↑ Y/Y)
Total non-interest
expense
$50,382K
(1.75%↑ Y/Y)
Net income
$38,172K
(21.72%↑ Y/Y)
Income tax expense
$9,900K
(26.76%↑ Y/Y)
Salaries and employee
benefits
$27,142K
(1.89%↑ Y/Y)
Other operating
expenses
$7,022K
(1.20%↑ Y/Y)
Occupancy, furniture and
equipment expense
$5,178K
(8.99%↑ Y/Y)
Data processing fees
$4,358K
(6.66%↑ Y/Y)
Intangible amortization
$2,362K
(-15.73%↓ Y/Y)
Professional fees
$2,144K
(1.52%↑ Y/Y)
Advertising and promotion
$1,240K
(-4.62%↓ Y/Y)
Fdic premiums
$936K
(5.41%↑ Y/Y)
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GERMAN AMERICAN BANCORP, INC. (GABC)
GERMAN AMERICAN BANCORP, INC. (GABC)