0000712534-21-000309.txt : 20211026 0000712534-21-000309.hdr.sgml : 20211026 20211026080830 ACCESSION NUMBER: 0000712534-21-000309 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 13 CONFORMED PERIOD OF REPORT: 20211026 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20211026 DATE AS OF CHANGE: 20211026 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIRST MERCHANTS CORP CENTRAL INDEX KEY: 0000712534 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 351544218 STATE OF INCORPORATION: IN FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-17071 FILM NUMBER: 211345968 BUSINESS ADDRESS: STREET 1: 200 E JACKSON ST STREET 2: PO BOX 792 CITY: MUNCIE STATE: IN ZIP: 47308-0792 BUSINESS PHONE: 7657471500 MAIL ADDRESS: STREET 1: 200 EAST JACKSON STREET CITY: MUNCIE STATE: IN ZIP: 47305 8-K 1 frme-20211026.htm 8-K frme-20211026
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, DC 20549
 
FORM 8-K
 
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
 
DATE OF REPORT (Date of earliest event reported): October 26, 2021

 Commission File Number 0-17071
FIRST MERCHANTS CORPORATION
(Exact name of registrant as specified in its charter)
Indiana35-1544218
(State or other jurisdiction of incorporation)(IRS Employer Identification No.)

200 East Jackson Street
P.O. Box 792
Muncie, IN 47305-2814
(Address of principal executive offices, including zip code)
 
(765) 747-1500
(Registrant's telephone number, including area code)
 
Not Applicable
(Former name or former address, if changed since last report)
Title of Each ClassTrading Symbol(s)Name of each exchange on which registered
Common Stock, $0.125 stated value per shareFRMENasdaq Global Select Market

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐



ITEM 2.02 RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

On October 26, 2021, First Merchants Corporation issued a press release to report its financial results for the third quarter ended September 30, 2021. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

The information in this Current Report on Form 8-K, including Exhibit No. 99.1 hereto, shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to liability of that section. The information in this Current Report shall not be incorporated by reference into any filing or other document pursuant to the Securities Act of 1933, as amended, except as shall be expressly set forth by specific reference in such filing or document.

ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS.

(a)    Not applicable.

(b)    Not applicable.

(c)    Not applicable.

(d)    Exhibits.


Exhibit 104 Cover Page Interactive Data File (embedded within the Inline XBRL document)




SIGNATURES
 
Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.


First Merchants Corporation
(Registrant)
By: /s/ Michele M. Kawiecki
                        
Michele M. Kawiecki

Executive Vice President, Chief Financial Officer
(Principal Financial and Accounting Officer)
Dated: October 26, 2021



EXHIBIT INDEX

Exhibit No.    Description



104            Cover Page Interactive Data File (embedded within the Inline XBRL document)

 EX-99.1 2 a3q21earningsreleaseex991.htm EX-99.1 Document


N / E / W / S R / E / L / E / A / S / E
    
October 26, 2021

FOR IMMEDIATE RELEASE
For more information, contact:
Nicole M. Weaver, Vice President and Director of Corporate Administration
765-521-7619
http://www.firstmerchants.com

SOURCE: First Merchants Corporation, Muncie, Indiana

FIRST MERCHANTS CORPORATION ANNOUNCES THIRD QUARTER 2021 EARNINGS PER SHARE

First Merchants Corporation (NASDAQ - FRME) has reported third quarter 2021 net income of $52.8 million compared to $36.2 million during the same period in 2020, an increase of 45.7 percent. Earnings per share for the period totaled $.98 per share compared to the third quarter of 2020 result of $.67 per share. Year-to-date net income totaled $157.8 million compared to $103.5 million during the nine months ended September 30, 2020, an increase of 52.5 percent. Year-to-date earnings per share totaled $2.92 compared to $1.91 during the same period in 2020.

Total assets equaled $15.1 billion as of September 30, 2021 and loans totaled $9.0 billion. The Corporation experienced organic loan growth of $503.9 million, or 6.0 percent during the last twelve months, offset by the forgiveness of Paycheck Protection Program (“PPP”) loans which accounted for a decline of $703.3 million. As a result, the loan portfolio decreased by $199.5 million, or 2.2 percent, during that period. Organic loan growth, on an annualized basis, was 5.8 percent in the third quarter 2021. Investments increased $1.5 billion, or 51.6 percent, during the last twelve months and now total $4.4 billion. Total deposits equaled $12.3 billion as of quarter-end and increased by $1.4 billion, or 13.2 percent, from the same period in 2020.

The Corporation’s Allowance for Credit Losses – Loans totaled $200.0 million as of quarter-end, or 2.21 percent of total loans. Net recoveries for the quarter totaled $0.2 million and no provision expense was recorded. Provision expense taken during the three and nine months ended September 30, 2020 of $12.5 million and $54.2 million, respectively, reflected our view of increased credit risk related to the COVID-19 pandemic. Non-accrual loans totaled $51.5 million as of quarter-end.

Mark Hardwick, Chief Executive Officer, stated, “We are having a record year powered by strong balance sheet growth and high levels of profitability. We remain optimistic about the remainder of 2021 and our ability to deliver high levels of performance in 2022.”

Net-interest income for the quarter totaled $104.7 million, an increase of $11.8 million from the third quarter of 2020, or 12.7 percent. Net interest margin, on a tax equivalent basis, totaling 3.20 percent, increased by 5 basis points compared to the third quarter of 2020. Yields on earning assets for the third quarter totaled 3.46 percent and cost of supporting liabilities totaled 26 basis points. Fair value accretion contributed less to margin as it accounted for 4 basis points in the third quarter of 2021, compared to 10 basis points in the third quarter of 2020. PPP loans contributed 17 basis points to margin during the third quarter of 2021 but subtracted 7 basis points from margin in the same quarter of 2020.

Non-interest income totaled $28.5 million for the quarter, a $2.3 million increase over the third quarter of 2020. Increases in service charges on deposit accounts, fiduciary and wealth management fees and earnings on cash surrender value of life insurance were somewhat offset by a decline in gains on the sale of mortgage loans. Non-interest expense totaled $71.4 million for the quarter compared to $64.7 million in the third quarter of 2020, an increase primarily due to higher salaries and employee benefits.

The loan to deposit ratio now totals 73.3 percent and the loan to asset ratio totals 60.1 percent. As of September 30, 2021, the Corporation’s total risk-based capital ratio equaled 14.02 percent, the common equity tier 1 capital ratio equaled 11.75 percent, and the tangible common equity ratio totaled 8.94 percent. These ratios continue to reflect the Corporation’s strong liquidity and capital positions.






CONFERENCE CALL

First Merchants Corporation will conduct a third quarter earnings conference call and web cast at 2:30 p.m. (ET) on Tuesday, October 26, 2021.

To participate, dial (Toll Free) 877-507-0578 and reference First Merchants Corporation's third quarter earnings release. International callers please call +1 412-317-1073. A replay of the call will be available until November 26, 2021. To access a replay of the call, US participants should dial (Toll Free) 877-344-7529, Canada participants should dial 855-669-9658, or for International participants, dial +1 412-317-0088. The replay access code is 10160141.

In order to view the web cast and presentation slides, please go to http://services.choruscall.com/links/frme211021.html during the time of the call. A replay of the web cast will be available until October 26, 2022.

Detailed financial results are reported on the attached pages.

About First Merchants Corporation

First Merchants Corporation is a financial holding company headquartered in Muncie, Indiana. The Corporation has one full-service bank charter, First Merchants Bank. The Bank also operates as First Merchants Private Wealth Advisors (as a division of First Merchants Bank).

First Merchants Corporation’s common stock is traded on the NASDAQ Global Select Market System under the symbol FRME. Quotations are carried in daily newspapers and can be found on the company’s Internet web page (http://www.firstmerchants.com).

FIRST MERCHANTS and the Shield Logo are federally registered trademarks of First Merchants Corporation.

Forward-Looking Statements

This release contains forward-looking statements made pursuant to the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements can often, but not always, be identified by the use of words like “believe”, “continue”, “pattern”, “estimate”, “project”, “intend”, “anticipate”, “expect” and similar expressions or future or conditional verbs such as “will”, would”, “should”, “could”, “might”, “can”, “may”, or similar expressions. These statements include statements of First Merchants’ goals, intentions and expectations; statements regarding the First Merchants’ business plan and growth strategies; statements regarding the asset quality of First Merchants’ loan and investment portfolios; and estimates of First Merchants’ risks and future costs and benefits. These forward-looking statements are subject to significant risks, assumptions and uncertainties that may cause results to differ materially from those set forth in forward-looking statements, including, among other things: possible changes in monetary and fiscal policies, and laws and regulations; the effects of easing restrictions on participants in the financial services industry; the cost and other effects of legal and administrative cases; possible changes in the credit worthiness of customers and the possible impairment of collectability of loans; fluctuations in market rates of interest; competitive factors in the banking industry; changes in the banking legislation or regulatory requirements of federal and state agencies applicable to bank holding companies and banks like First Merchants’ affiliate bank; continued availability of earnings and excess capital sufficient for the lawful and prudent declaration of dividends; changes in market, economic, operational, liquidity, credit and interest rate risks associated with the First Merchants’ business; and other risks and factors identified in each of First Merchants’ filings with the Securities and Exchange Commission. First Merchants does not undertake any obligation to update any forward-looking statement, whether written or oral, relating to the matters discussed in this press release. In addition, First Merchants’ past results of operations do not necessarily indicate its anticipated future results.
* * * *



CONSOLIDATED BALANCE SHEETS
(Dollars In Thousands)September 30,
20212020
ASSETS
Cash and cash equivalents$169,261 $164,632 
Interest-bearing deposits369,447 273,936 
Investment securities, net of allowance for credit losses of $245,000 and $04,445,516 2,933,286 
Loans held for sale5,990 3,183 
Loans9,041,576 9,243,833 
Less: Allowance for credit losses - loans(199,972)(126,726)
Net loans8,841,604 9,117,107 
Premises and equipment104,814 112,959 
Federal Home Loan Bank stock28,736 28,736 
Interest receivable53,079 52,992 
Goodwill and other intangibles572,323 574,369 
Cash surrender value of life insurance291,825 291,543 
Other real estate owned698 6,942 
Tax asset, deferred and receivable39,504 21,762 
Other assets137,928 155,903 
TOTAL ASSETS$15,060,725 $13,737,350 
LIABILITIES
Deposits:
Noninterest-bearing$2,554,323 $2,187,607 
Interest-bearing9,794,366 8,718,546 
Total Deposits12,348,689 10,906,153 
Borrowings:
Federal funds purchased— 80,000 
Securities sold under repurchase agreements183,589 187,732 
Federal Home Loan Bank advances334,149 399,522 
Subordinated debentures and other borrowings118,558 118,320 
Total Borrowings636,296 785,574 
Interest payable3,736 5,038 
Other liabilities203,914 206,929 
Total Liabilities13,192,635 11,903,694 
STOCKHOLDERS' EQUITY
Cumulative Preferred Stock, $1,000 par value, $1,000 liquidation value:
Authorized -- 600 shares
Issued and outstanding - 125 shares125 125 
Common Stock, $.125 stated value:
Authorized -- 100,000,000 shares
Issued and outstanding - 53,510,745 and 53,891,733 shares6,689 6,736 
Additional paid-in capital988,659 1,003,777 
Retained earnings832,728 757,550 
Accumulated other comprehensive income39,889 65,468 
Total Stockholders' Equity1,868,090 1,833,656 
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY$15,060,725 $13,737,350 






CONSOLIDATED STATEMENTS OF INCOMEThree Months EndedNine Months Ended
(Dollars In Thousands, Except Per Share Amounts)September 30,September 30,
2021202020212020
INTEREST INCOME
Loans receivable:
Taxable$85,319 $84,162 $257,426 $268,126 
Tax-exempt5,591 5,395 16,475 16,069 
Investment securities:
Taxable7,788 5,399 21,923 19,177 
Tax-exempt14,464 10,931 39,920 30,285 
Deposits with financial institutions218 90 461 799 
Federal Home Loan Bank stock168 248 434 828 
Total Interest Income113,548 106,225 336,639 335,284 
INTEREST EXPENSE
Deposits5,707 9,776 17,730 44,231 
Federal funds purchased— 5 4 118 
Securities sold under repurchase agreements77 83 239 527 
Federal Home Loan Bank advances1,389 1,749 4,283 5,317 
Subordinated debentures and other borrowings1,660 1,691 4,976 5,275 
Total Interest Expense8,833 13,304 27,232 55,468 
NET INTEREST INCOME104,715 92,921 309,407 279,816 
Provision for credit losses - loans— 12,544 — 54,191 
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES104,715 80,377 309,407 225,625 
OTHER INCOME
Service charges on deposit accounts6,249 5,209 17,109 15,491 
Fiduciary and wealth management fees7,352 5,910 21,284 17,496 
Card payment fees4,156 3,996 12,682 16,000 
Net gains and fees on sales of loans3,955 5,841 16,266 12,878 
Derivative hedge fees1,028 1,715 2,288 4,696 
Other customer fees393 372 1,129 1,103 
Earnings on cash surrender value of life insurance2,468 1,171 5,009 3,857 
Net realized gains on sales of available for sale securities1,756 1,817 5,316 9,497 
Other income1,144 132 2,393 1,425 
Total Other Income28,501 26,163 83,476 82,443 
OTHER EXPENSES
Salaries and employee benefits43,314 39,187 124,563 114,128 
Net occupancy5,576 5,855 17,682 17,103 
Equipment4,529 4,956 14,407 13,789 
Marketing1,676 1,311 3,922 4,846 
Outside data processing fees4,794 3,776 13,736 10,593 
Printing and office supplies265 331 861 997 
Intangible asset amortization1,463 1,486 4,284 4,511 
FDIC assessments1,552 1,249 4,381 4,244 
Other real estate owned and foreclosure expenses(91)717 821 1,906 
Professional and other outside services2,767 2,254 8,286 6,065 
Other expenses5,539 3,587 13,834 12,687 
Total Other Expenses71,384 64,709 206,777 190,869 
INCOME BEFORE INCOME TAX61,832 41,831 186,106 117,199 
Income tax expense9,062 5,621 28,308 13,734 
NET INCOME AVAILABLE TO COMMON STOCKHOLDERS$52,770 $36,210 $157,798 $103,465 
Per Share Data:
Basic Net Income Available to Common Stockholders$0.98 $0.67 $2.93 $1.91 
Diluted Net Income Available to Common Stockholders$0.98 $0.67 $2.92 $1.91 
Cash Dividends Paid$0.29 $0.26 $0.84 $0.78 
Average Diluted Shares Outstanding (in thousands)53,960 53,971 54,093 54,278 



FINANCIAL HIGHLIGHTS
(Dollars in thousands)Three Months EndedNine Months Ended
September 30,September 30,
2021202020212020
NET CHARGE-OFFS$(197)$6,937 $4,731 $7,749 
AVERAGE BALANCES:
Total Assets$15,006,087 $13,660,818 $14,672,596 $13,297,789 
Total Loans9,089,648 9,252,839 9,202,327 8,987,645 
Total Earning Assets13,741,196 12,341,257 13,419,310 11,941,839 
Total Deposits12,350,336 10,944,721 12,017,335 10,541,777 
Total Stockholders' Equity1,889,037 1,831,300 1,858,680 1,814,471 
FINANCIAL RATIOS:
Return on Average Assets1.41 %1.06 %1.43 %1.04 %
Return on Average Stockholders' Equity11.17 7.91 11.32 7.60 
Return on Average Common Stockholders' Equity11.17 7.91 11.32 7.60 
Average Earning Assets to Average Assets91.57 90.34 91.46 89.80 
Allowance for Credit Losses - Loans as % of Total Loans2.21 1.37 2.21 1.37 
Net Charge-offs as % of Average Loans (Annualized)(0.01)0.30 0.07 0.11 
Average Stockholders' Equity to Average Assets12.59 13.41 12.67 13.64 
Tax Equivalent Yield on Average Earning Assets3.46 3.58 3.49 3.88 
Interest Expense/Average Earning Assets0.26 0.43 0.27 0.62 
Net Interest Margin (FTE) on Average Earning Assets3.20 3.15 3.22 3.26 
Efficiency Ratio51.18 51.40 50.10 50.52 
Tangible Common Book Value Per Share$24.31 $23.48 $24.31 $23.48 

NON-PERFORMING ASSETS
(Dollars In Thousands)September 30,June 30,March 31,December 31,September 30,
20212021202120202020
Non-Accrual Loans$51,502 $57,556 $57,923 $61,471 $56,739 
Renegotiated Loans439 629 655 3,240 2,677 
Non-Performing Loans (NPL)51,941 58,185 58,578 64,711 59,416 
Other Real Estate Owned and Repossessions698 601 604 940 6,984 
Non-Performing Assets (NPA)52,639 58,786 59,182 65,651 66,400 
90+ Days Delinquent157 183 1,093 746 1,330 
NPAs & 90 Day Delinquent$52,796 $58,969 $60,275 $66,397 $67,730 
Allowance for Credit Losses - Loans$199,972 $199,775 $201,082 $130,648 $126,726 
Quarterly Net Charge-offs(197)1,307 3,621 560 6,937 
NPAs / Actual Assets %0.35 %0.39 %0.40 %0.47 %0.48 %
NPAs & 90 Day / Actual Assets %0.35 %0.40 %0.41 %0.47 %0.49 %
NPAs / Actual Loans and OREO %0.58 %0.64 %0.63 %0.71 %0.72 %
Allowance for Credit Losses - Loans / Actual Loans (%)2.21 %2.19 %2.16 %1.41 %1.37 %
Net Charge-offs as % of Average Loans (Annualized)(0.01)%0.06 %0.16 %0.02 %0.30 %



CONSOLIDATED BALANCE SHEETS
(Dollars In Thousands)September 30,June 30,March 31,December 31,September 30,
20212021202120202020
ASSETS
Cash and cash equivalents$169,261 $167,596 $187,901 $192,896 $164,632 
Interest-bearing deposits369,447 438,863 392,806 392,305 273,936 
Investment securities, net of allowance for credit losses4,445,516 4,148,314 3,700,857 3,146,787 2,933,286 
Loans held for sale5,990 18,582 4,430 3,966 3,183 
Loans9,041,576 9,121,250 9,318,228 9,243,174 9,243,833 
Less: Allowance for credit losses - loans(199,972)(199,775)(201,082)(130,648)(126,726)
Net loans8,841,604 8,921,475 9,117,146 9,112,526 9,117,107 
Premises and equipment104,814 103,822 109,432 111,062 112,959 
Federal Home Loan Bank stock28,736 28,736 28,736 28,736 28,736 
Interest receivable53,079 54,173 54,662 53,948 52,992 
Goodwill and other intangibles572,323 573,786 571,536 572,893 574,369 
Cash surrender value of life insurance291,825 294,462 293,766 292,745 291,543 
Other real estate owned698 601 604 940 6,942 
Tax asset, deferred and receivable39,504 36,924 40,163 12,340 21,762 
Other assets137,928 135,763 127,027 146,066 155,903 
TOTAL ASSETS$15,060,725 $14,923,097 $14,629,066 $14,067,210 $13,737,350 
LIABILITIES
Deposits:
Noninterest-bearing$2,554,323 $2,479,853 $2,494,891 $2,298,138 $2,187,607 
Interest-bearing9,794,366 9,723,547 9,456,889 9,063,472 8,718,546 
Total Deposits12,348,689 12,203,400 11,951,780 11,361,610 10,906,153 
Borrowings:
Federal funds purchased— — — — 80,000 
Securities sold under repurchase agreements183,589 146,904 185,721 177,102 187,732 
Federal Home Loan Bank advances334,149 334,243 359,337 389,430 399,522 
Subordinated debentures and other borrowings118,558 118,498 118,439 118,380 118,320 
Total Borrowings636,296 599,645 663,497 684,912 785,574 
Interest payable3,736 2,929 4,020 3,287 5,038 
Other liabilities203,914 245,323 203,913 141,756 206,929 
Total Liabilities13,192,635 13,051,297 12,823,210 12,191,565 11,903,694 
STOCKHOLDERS' EQUITY
Cumulative Preferred Stock, $1,000 par value, $1,000 liquidation value:
Authorized -- 600 shares
Issued and outstanding125 125 125 125 125 
Common Stock, $.125 stated value:
Authorized -- 100,000,000 shares
Issued and outstanding6,689 6,747 6,744 6,740 6,736 
Additional paid-in capital988,659 1,009,182 1,007,300 1,005,366 1,003,777 
Retained earnings832,728 795,666 755,877 788,578 757,550 
Accumulated other comprehensive income39,889 60,080 35,810 74,836 65,468 
Total Stockholders' Equity1,868,090 1,871,800 1,805,856 1,875,645 1,833,656 
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY$15,060,725 $14,923,097 $14,629,066 $14,067,210 $13,737,350 







CONSOLIDATED STATEMENTS OF INCOME
(Dollars In Thousands, Except Per Share Amounts)September 30June 30March 31,December 31,September 30,
20212021202120202020
INTEREST INCOME
Loans receivable:
Taxable$85,319 $87,002 $85,105 $90,138 $84,162 
Tax-exempt5,591 5,545 5,339 5,414 5,395 
Investment securities:
Taxable7,788 7,440 6,695 5,263 5,399 
Tax-exempt14,464 13,071 12,385 12,056 10,931 
Deposits with financial institutions218 129 114 139 90 
Federal Home Loan Bank stock168 88 178 214 248 
Total Interest Income113,548 113,275 109,816 113,224 106,225 
INTEREST EXPENSE
Deposits5,707 5,823 6,200 7,509 9,776 
Federal funds purchased— 2 2 2 5 
Securities sold under repurchase agreements77 75 87 77 83 
Federal Home Loan Bank advances1,389 1,452 1,442 1,656 1,749 
Subordinated debentures and other borrowings1,660 1,659 1,657 1,669 1,691 
Total Interest Expense8,833 9,011 9,388 10,913 13,304 
NET INTEREST INCOME104,715 104,264 100,428 102,311 92,921 
Provision for credit losses - loans— — — 4,482 12,544 
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES104,715 104,264 100,428 97,829 80,377 
OTHER INCOME
Service charges on deposit accounts6,249 5,596 5,264 5,508 5,209 
Fiduciary and wealth management fees7,352 7,510 6,422 6,251 5,910 
Card payment fees4,156 4,159 4,367 3,502 3,996 
Net gains and fees on sales of loans3,955 8,325 3,986 5,393 5,841 
Derivative hedge fees1,028 943 317 2,281 1,715 
Other customer fees393 368 368 394 372 
Earnings on cash surrender value of life insurance2,468 1,205 1,336 1,283 1,171 
Net realized gains on sales of available for sale securities1,756 1,761 1,799 2,398 1,817 
Other income1,144 1,017 232 473 132 
Total Other Income28,501 30,884 24,091 27,483 26,163 
OTHER EXPENSES
Salaries and employee benefits43,314 42,438 38,811 41,809 39,187 
Net occupancy5,576 5,615 6,491 9,653 5,855 
Equipment4,529 4,848 5,030 5,555 4,956 
Marketing1,676 1,122 1,124 1,763 1,311 
Outside data processing fees4,794 4,698 4,244 3,839 3,776 
Printing and office supplies265 313 283 307 331 
Intangible asset amortization1,463 1,464 1,357 1,476 1,486 
FDIC assessments1,552 1,461 1,368 1,560 1,249 
Other real estate owned and foreclosure expenses(91)178 734 (1,576)717 
Professional and other outside services2,767 2,976 2,543 2,836 2,254 
Other expenses5,539 4,182 4,113 5,314 3,587 
Total Other Expenses71,384 69,295 66,098 72,536 64,709 
INCOME BEFORE INCOME TAX61,832 65,853 58,421 52,776 41,831 
Income tax expense9,062 10,294 8,952 7,641 5,621 
NET INCOME AVAILABLE TO COMMON STOCKHOLDERS$52,770 $55,559 $49,469 $45,135 $36,210 
Per Share Data:
Basic Net Income Available to Common Stockholders$0.98 $1.03 $0.92 $0.83 $0.67 
Diluted Net Income Available to Common Stockholders$0.98 $1.03 $0.91 $0.83 $0.67 
Cash Dividends Paid$0.29 $0.29 $0.26 $0.26 $0.26 
Average Diluted Shares Outstanding (in thousands)53,960 54,184 54,134 54,050 53,971 
FINANCIAL RATIOS:
Return on Average Assets1.41 %1.51 %1.39 %1.29 %1.06 %
Return on Average Stockholders' Equity11.17 12.04 10.75 9.72 7.91 
Return on Average Common Stockholders' Equity11.17 12.04 10.75 9.72 7.91 
Average Earning Assets to Average Assets91.57 91.87 91.43 90.66 90.34 
Allowance for Credit Losses - Loans as % of Total Loans2.21 2.19 2.16 1.41 1.37 
Net Charge-offs as % of Average Loans (Annualized)(0.01)0.06 0.16 0.02 0.30 
Average Stockholders' Equity to Average Assets12.59 12.51 12.92 13.29 13.41 
Tax Equivalent Yield on Average Earning Assets3.46 3.49 3.52 3.72 3.58 
Interest Expense/Average Earning Assets0.26 0.27 0.29 0.34 0.43 
Net Interest Margin (FTE) on Average Earning Assets3.20 3.22 3.23 3.38 3.15 
Efficiency Ratio51.18 48.91 50.23 55.01 51.40 
Tangible Common Book Value Per Share$24.31 $24.15 $22.98 $24.27 $23.48 



LOANS
(Dollars In Thousands)September 30,June 30,March 31,December 31,September 30,
20212021202120202020
Commercial and industrial loans$2,573,615 $2,671,076 $2,876,212 $2,776,699 $2,875,331 
Agricultural land, production and other loans to farmers240,686 235,020 245,631 281,884 301,192 
Real estate loans:
Construction521,889 491,200 541,224 484,723 622,084 
Commercial real estate, non-owner occupied2,150,387 2,263,497 2,178,832 2,220,949 2,098,589 
Commercial real estate, owner occupied952,441 953,501 950,038 958,501 931,815 
Residential1,154,373 1,127,442 1,239,925 1,234,741 1,146,406 
Home equity531,307 489,997 482,229 508,259 527,458 
Individuals' loans for household and other personal expenditures135,093 130,819 126,387 129,479 125,411 
Public finance and other commercial loans781,785 758,698 677,750 647,939 615,547 
Loans9,041,576 9,121,250 9,318,228 9,243,174 9,243,833 
Allowance for credit losses - loans(199,972)(199,775)(201,082)(130,648)(126,726)
NET LOANS$8,841,604 $8,921,475 $9,117,146 $9,112,526 $9,117,107 

DEPOSITS
(Dollars In Thousands)September 30,June 30,March 31,December 31,September 30,
20212021202120202020
Demand deposits$7,317,399 $7,261,603 $7,245,850 $6,821,152 $6,279,554 
Savings deposits4,301,483 4,157,552 3,857,624 3,661,713 3,518,286 
Certificates and other time deposits of $100,000 or more283,396 304,394 332,745 346,194 467,610 
Other certificates and time deposits404,010 423,922 449,655 459,168 542,919 
Brokered deposits42,401 55,929 65,906 73,383 97,784 
TOTAL DEPOSITS$12,348,689 $12,203,400 $11,951,780 $11,361,610 $10,906,153 




CONSOLIDATED AVERAGE BALANCE SHEET AND NET INTEREST MARGIN ANALYSIS
(Dollars in Thousands)
For the Three Months Ended
September 30, 2021September 30, 2020
Average BalanceInterest
 Income /
Expense		Average
Rate		Average BalanceInterest
 Income /
Expense		Average
Rate
Assets: 
Interest-bearing deposits$539,377 $218 0.16 %$301,529 $90 0.12 %
Federal Home Loan Bank stock28,736 168 2.34 28,736 248 3.45 
Investment Securities: (1)
 
Taxable1,843,026 7,788 1.69 1,258,690 5,399 1.72 
Tax-Exempt (2)
2,240,409 18,309 3.27 1,499,463 13,837 3.69 
Total Investment Securities4,083,435 26,097 2.56 2,758,153 19,236 2.79 
Loans held for sale17,426 158 3.63 24,705 257 4.16 
Loans: (3)
Commercial6,745,303 70,442 4.18 6,965,837 66,826 3.84 
Real Estate Mortgage886,469 8,142 3.67 887,661 9,996 4.50 
Installment690,093 6,576 3.81 693,363 7,083 4.09 
Tax-Exempt (2)
750,357 7,078 3.77 681,273 6,829 4.01 
Total Loans9,089,648 92,396 4.07 9,252,839 90,991 3.93 
Total Earning Assets13,741,196 118,879 3.46 %12,341,257 110,565 3.58 %
Total Non-Earning Assets1,264,891 1,319,561 
Total Assets$15,006,087 $13,660,818  
Liabilities:  
Interest-bearing deposits:  
Interest-bearing deposits$4,799,624 $3,606 0.30 %$4,098,017 $3,890 0.38 %
Money market deposits2,459,205 764 0.12 1,813,392 1,167 0.26 
Savings deposits1,788,281 486 0.11 1,574,700 583 0.15 
Certificates and other time deposits758,565 851 0.45 1,267,152 4,136 1.31 
Total Interest-bearing Deposits9,805,675 5,707 0.23 8,753,261 9,776 0.45 
Borrowings619,768 3,126 2.02 733,757 3,528 1.92 
Total Interest-bearing Liabilities10,425,443 8,833 0.34 9,487,018 13,304 0.56 
Noninterest-bearing deposits2,544,661 2,191,460  
Other liabilities146,946 151,040  
Total Liabilities13,117,050 11,829,518  
Stockholders' Equity1,889,037 1,831,300  
Total Liabilities and Stockholders' Equity$15,006,087 8,833 $13,660,818 13,304 
Net Interest Income (FTE)$110,046  $97,261 
Net Interest Spread (FTE) (4)
3.12 %  3.02 %
Net Interest Margin (FTE):
Interest Income (FTE) / Average Earning Assets3.46 %3.58 %
Interest Expense / Average Earning Assets0.26 %0.43 %
Net Interest Margin (FTE) (5)
3.20 %3.15 %
(1) Average balance of securities is computed based on the average of the historical amortized cost balances without the effects of the fair value adjustments. Annualized amounts are computed using a 30/360 day basis.
(2) Tax-exempt securities and loans are presented on a fully taxable equivalent basis, using a marginal tax rate of 21 percent for 2021 and 2020. These totals equal $5,331 and $4,340 for the three months ended September 30, 2021 and 2020, respectively.
(3) Non accruing loans have been included in the average balances.
(4) Net Interest Spread (FTE) is interest income expressed as a percentage of average earning assets minus interest expense expressed as a percentage of average interest-bearing liabilities.
(5) Net Interest Margin (FTE) is interest income expressed as a percentage of average earning assets minus interest expense expressed as a percentage of average earning assets.





CONSOLIDATED AVERAGE BALANCE SHEET AND NET INTEREST MARGIN ANALYSIS
(Dollars in Thousands)
For the Nine Months Ended
September 30, 2021September 30, 2020
Average BalanceInterest
 Income /
Expense		Average
Rate		Average BalanceInterest
 Income /
Expense		Average
Rate
Assets:
Interest-bearing deposits$509,153 $461 0.12 %$280,038 $799 0.38 %
Federal Home Loan Bank stock28,736 434 2.01 28,736 828 3.84 
Investment Securities: (1)
Taxable1,689,697 21,923 1.73 1,302,943 19,177 1.96 
Tax-Exempt (2)
1,989,397 50,532 3.39 1,342,477 38,335 3.81 
Total Investment Securities3,679,094 72,455 2.63 2,645,420 57,512 2.90 
Loans held for sale19,360 551 3.79 17,175 581 4.51 
Loans: (3)
Commercial6,857,968 210,502 4.09 6,698,042 213,241 4.24 
Real Estate Mortgage924,652 26,917 3.88 882,911 30,520 4.61 
Installment674,696 19,456 3.84 725,596 23,784 4.37 
Tax-Exempt (2)
725,651 20,854 3.83 663,921 20,341 4.09 
Total Loans9,202,327 278,280 4.03 8,987,645 288,467 4.28 
Total Earning Assets13,419,310 351,630 3.49 %11,941,839 347,606 3.88 %
Total Non-Earning Assets1,253,286 1,355,950 
Total Assets$14,672,596 $13,297,789 
Liabilities:
Interest-bearing deposits:
Interest-bearing deposits$4,721,267 $10,875 0.31 %$3,880,489 $16,351 0.56 %
Money market deposits2,295,589 2,395 0.14 1,674,622 6,647 0.53 
Savings deposits1,730,149 1,424 0.11 1,507,269 3,007 0.27 
Certificates and other time deposits809,721 3,036 0.50 1,476,499 18,226 1.65 
Total Interest-bearing Deposits9,556,726 17,730 0.25 8,538,879 44,231 0.69 
Borrowings646,326 9,502 1.96 796,836 11,237 1.88 
Total Interest-bearing Liabilities10,203,052 27,232 0.36 9,335,715 55,468 0.79 
Noninterest-bearing deposits2,460,609 2,002,898 
Other liabilities150,255 144,705 
Total Liabilities12,813,916 11,483,318 
Stockholders' Equity1,858,680 1,814,471 
Total Liabilities and Stockholders' Equity$14,672,596 27,232 $13,297,789 55,468 
Net Interest Income (FTE)$324,398 $292,138 
Net Interest Spread (FTE) (4)
3.13 %3.09 %
Net Interest Margin (FTE):
Interest Income (FTE) / Average Earning Assets3.49 %3.88 %
Interest Expense / Average Earning Assets0.27 %0.62 %
Net Interest Margin (FTE) (5)
3.22 %3.26 %
(1) Average balance of securities is computed based on the average of the historical amortized cost balances without the effects of the fair value adjustments. Annualized amounts are computed using a 30/360 day basis.
(2) Tax-exempt securities and loans are presented on a fully taxable equivalent basis, using a marginal tax rate of 21 percent for 2021 and 2020. These totals equal $14,991 and $12,322 for the nine months ended September 30, 2021 and 2020, respectively.
(3) Non accruing loans have been included in the average balances.
(4) Net Interest Spread (FTE) is interest income expressed as a percentage of average earning assets minus interest expense expressed as a percentage of average interest-bearing liabilities.
(5) Net Interest Margin (FTE) is interest income expressed as a percentage of average earning assets minus interest expense expressed as a percentage of average earning assets.

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Entity Incorporation, State or Country Code IN
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Title of 12(b) Security Common Stock, $0.125 stated value per share
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