frme-20230126

0000712534-23-000046.txt : 20230126 0000712534-23-000046.hdr.sgml : 20230126 20230126080640 ACCESSION NUMBER: 0000712534-23-000046 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20230126 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20230126 DATE AS OF CHANGE: 20230126 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: 001-41342 FILM NUMBER: 23553955 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-20230126.htm 8-K frme-20230126

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): January 26, 2023

FIRST MERCHANTS CORPORATION

(Exact name of registrant as specified in its charter)


Indiana
(State or other jurisdiction of incorporation)
001-41342			35-1544218
(Commission File Number)			(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 Class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, $0.125 stated value per share	FRME	The Nasdaq Stock Market LLC
Depositary Shares, each representing a 1/100th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series A	FRMEP	The Nasdaq Stock Market LLC

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 January 26, 2023, First Merchants Corporation issued a press release to report its financial results for the fourth quarter ended December 31, 2022. 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.

(d) Exhibits.

Exhibit 99.1 Press Release, dated January 26, 2023, issued by First Merchants Corporation

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: January 26, 2023

EXHIBIT INDEX

Exhibit No. Description

99.1 Press Release, dated January 26, 2023, issued by First Merchants Corporation

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

EX-99.1 2 a4q22earningsreleaseex991.htm EX-99.1 Document

N / E / W / S R / E / L / E / A / S / E

January 26, 2023

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 RECORD FOURTH QUARTER AND FULL YEAR 2022 RESULTS

First Merchants Corporation (NASDAQ - FRME)

Fourth Quarter 2022 Highlights:

• Net income available to common stockholders was $70.3 million and diluted earnings per common share totaled $1.19, compared to $47.7 million and $.89 in the fourth quarter of 2021, and $63.3 million and $1.08 in the third quarter of 2022.

• Adjusted net income available to common stockholders1 for the fourth quarter was $70.5 million and adjusted diluted earnings per common share1 totaled $1.19, compared to $44.9 million and $.84 in the fourth quarter of 2021, and $65.6 million and $1.12 in the third quarter of 2022.

• Total loans grew $344.1 million, or 11.8% annualized on a linked quarter basis, excluding the forgiveness of $6.5 million in Paycheck Protection Program (“PPP”) loans.

• Total deposits declined $52.1 million, or 1.4% annualized on a linked quarter basis.

• Nonaccrual loans totaled $42.3 million compared to $43.5 million on a linked quarter basis.

• Net interest income totaled $149.0 million, an increase of $8.7 million, or 6.2% on a linked quarter basis.

• The efficiency ratio totaled 48.60% for the quarter.

Full Year 2022 Highlights:

• Net income available to common stockholders was $220.7 million and diluted earnings per common share totaled $3.81, compared to $205.5 million and $3.81 in 2021.

• Adjusted net income available to common stockholders1 for 2022 was $243.4 million and adjusted diluted earnings per common share1 totaled $4.20, compared to $182.2 million and $3.38 in 2021.

• Total loans grew $2.8 billion during 2022, which included $1.6 billion from the acquisition of Level One Bancorp Inc. (“Level One”). Excluding the forgiveness of $145.3 million in Paycheck Protection Program (“PPP”) loans, organic loan growth totaled $1.3 billion or 13.9% during the year.

• Net interest income totaled $520.2 million, an increase of $109.5 million, or 26.7% over prior year.

• The efficiency ratio totaled 53.20% for 2022, but was 50.66% after excluding $16.5 million in acquisition-related expenses that were incurred during the year.

Mark Hardwick, Chief Executive Officer, stated, “First Merchants completed 2022 with a strong quarter and closed the books on another successful year. We are pleased to have the acquisition and integration of Level One behind us so that we can focus on the organic opportunities ahead. First Merchants’ earnings power is pretty easy to digest when assessing our quarterly results. We look forward to continued growth and high levels of performance in 2023”

Fourth Quarter Financial Results

First Merchants Corporation (the “Corporation) has reported fourth quarter 2022 net income available to common stockholders of $70.3 million compared to $47.7 million during the same period in 2021. Diluted earnings per common share for the period totaled $1.19 per share compared to the fourth quarter of 2021 result of $.89 per share.

Total assets equaled $17.9 billion as of quarter-end and loans totaled $12.0 billion. Total loans increased $2.8 billion during the past twelve months. The acquisition of Level One contributed $1.6 billion of loans. Excluding acquired loans, the Corporation experienced organic loan growth of $1.3 billion, or 13.9 percent, during the past twelve months. This was offset by the forgiveness of PPP loans of $145.3 million. Investments decreased $260.6 million, or 5.8 percent, during the last twelve months and now total $4.3 billion.

Total deposits equaled $14.4 billion as of quarter-end and increased by $1.7 billion over the past twelve months. The acquisition of Level One contributed $1.9 billion in deposits resulting in an organic deposit decline of $280.6 million or 2.2%. The balance sheet growth mix resulted in an increase in the loan to deposit ratio of 10.9% over the past twelve months with the current quarter ratio ending at 83.5 percent.

The Corporation’s Allowance for Credit Losses – Loans (ACL) totaled $223.3 million as of quarter-end, or 1.86 percent of total loans, an increase of $27.9 million over prior year due to the acquisition of Level One. Loan charge offs, net of recoveries, for the quarter totaled $3.4 million. No provision expense was recorded during the quarter or during the last twelve months other than CECL Day 1 expense of $16.8 million due to the acquisition of Level One. Non-performing assets to total assets were 0.27% for the fourth quarter of 2022, a decrease of one basis point compared to 0.28% in the fourth quarter of 2021.

Net-interest income totaling $149.0 million for the quarter, continued to grow with an increase of $8.7 million, or 6.2 percent, over prior quarter, and an increase of $47.7 million, or 47 percent compared to the fourth quarter of 2021. Stated net-interest margin on a tax equivalent basis, totaling 3.72 percent, increased by 17 basis points compared to the third quarter of 2022 and 68 basis points compared to the fourth quarter of 2021. Net-interest margin excluding the impact of fair value accretion and PPP loans totaled 3.65% for the quarter, an increase of 18 basis points compared to 3.47% for the third quarter of 2022 and an increase of 73 basis points from the fourth quarter of 2021. During the quarter, the yield on earning assets expanded 62 basis points from higher loan and investment portfolio yields as well as organic loan growth, offset by a 45 basis point increase in funding costs.

Non-interest income, totaling $24.2 million for the quarter, decreased $5.5 million or 18.5% compared to the third quarter of 2022. The decrease was primarily driven by lower earnings on cash surrender value of life insurance which was elevated in the third quarter due to a large $5.2 million BOLI death benefit. Non-interest income decreased $1.7 million from the fourth quarter of 2021 due primarily to lower gains on the sale of mortgage loans and lower derivative hedge fees.

Non-interest expense totaled $89.7 million for the quarter, a decrease of $6.7 million from the third quarter of 2022. The third quarter included $3.4 million of acquisition-related expenses. The quarter over quarter decline also reflected lower salaries and benefits expense as well as some one-time gains on sales of properties recorded in the fourth quarter.

The Corporation’s total risk-based capital ratio equaled 13.08 percent, common equity tier 1 capital ratio equaled 10.65 percent, and the tangible common equity ratio totaled 7.34 percent. These ratios continue to reflect the Corporation’s strong capital position.

1 See “Non-GAAP Financial Information” for reconciliation

CONFERENCE CALL

First Merchants Corporation will conduct a fourth quarter earnings conference call and web cast at 10:30 a.m. (ET) on Thursday, January 26, 2023.

To access via phone, participants will need to register using the following link where they will be provided a phone number and access code: (https://register.vevent.com/register/BI6fcecfffac4e446dae35bea4a13966ee)

In order to view the webcast and presentation slides, please go to (https://edge.media-server.com/mmc/p/7rxb6jtk) during the time of the call. A replay of the webcast will be available until January 26, 2023.

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)	December 31,
	2022		2021
ASSETS
Cash and due from banks	$	122,594	$	167,146
Interest-bearing deposits	126,061		474,154
Investment securities, net of allowance for credit losses of $245,000 and $245,000	4,263,788		4,524,353
Loans held for sale	9,094		11,187
Loans	12,003,894		9,241,861
Less: Allowance for credit losses - loans	(223,277)		(195,397)
Net loans	11,780,617		9,046,464
Premises and equipment	117,118		105,655
Federal Home Loan Bank stock	38,525		28,736
Interest receivable	85,070		57,187
Goodwill and other intangibles	747,844		570,860
Cash surrender value of life insurance	308,311		291,041
Other real estate owned	6,431		558
Tax asset, deferred and receivable	111,222		35,641
Other assets	221,631		140,167
TOTAL ASSETS	$	17,938,306	$	15,453,149
LIABILITIES
Deposits:
Noninterest-bearing	$	3,173,417	$	2,709,646
Interest-bearing	11,209,328		10,022,931
Total Deposits	14,382,745		12,732,577
Borrowings:
Federal funds purchased	171,560		—
Securities sold under repurchase agreements	167,413		181,577
Federal Home Loan Bank advances	823,674		334,055
Subordinated debentures and other borrowings	151,298		118,618
Total Borrowings	1,313,945		634,250
Interest payable	7,530		2,762
Other liabilities	199,316		170,989
Total Liabilities	15,903,536		13,540,578
STOCKHOLDERS' EQUITY
Preferred Stock, $1,000 par value, $1,000 liquidation value:
Authorized -- 600 cumulative shares
Issued and outstanding - 125 cumulative shares	125		125
Preferred Stock, Series A, no par value, $2,500 liquidation preference:
Authorized -- 10,000 non-cumulative perpetual shares
Issued and outstanding - 10,000 non-cumulative perpetual shares	25,000		—
Common Stock, $.125 stated value:
Authorized -- 100,000,000 shares
Issued and outstanding - 59,170,583 and 53,410,411 shares	7,396		6,676
Additional paid-in capital	1,228,626		985,818
Retained earnings	1,012,774		864,839
Accumulated other comprehensive income (loss)	(239,151)		55,113
Total Stockholders' Equity	2,034,770		1,912,571
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$	17,938,306	$	15,453,149


CONSOLIDATED STATEMENTS OF INCOME	Three Months Ended				Twelve Months Ended
(Dollars In Thousands, Except Per Share Amounts)	December 31,				December 31,
	2022		2021		2022		2021
INTEREST INCOME
Loans receivable:
Taxable	$	156,102	$	80,583	$	470,468	$	338,009
Tax-exempt	6,930		5,635		25,124		22,110
Investment securities:
Taxable	9,417		8,028		38,354		29,951
Tax-exempt	17,033		15,411		67,381		55,331

Deposits with financial institutions	959		173		2,503		634
Federal Home Loan Bank stock	541		163		1,176		597
Total Interest Income	190,982		109,993		605,006		446,632
INTEREST EXPENSE
Deposits	33,516		5,589		62,939		23,319
Federal funds purchased	808		1		1,302		5
Securities sold under repurchase agreements	541		75		1,136		314
Federal Home Loan Bank advances	4,932		1,389		11,417		5,672
Subordinated debentures and other borrowings	2,229		1,666		8,009		6,642
Total Interest Expense	42,026		8,720		84,803		35,952
NET INTEREST INCOME	148,956		101,273		520,203		410,680
Provision for credit losses - loans	—		—		16,755		—
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	148,956		101,273		503,448		410,680
NON-INTEREST INCOME
Service charges on deposit accounts	7,097		6,462		28,371		23,571
Fiduciary and wealth management fees	7,501		7,078		29,688		28,362
Card payment fees	4,533		3,937		20,207		16,619
Net gains and fees on sales of loans	2,087		3,423		10,055		19,689
Derivative hedge fees	326		1,562		3,388		3,850
Other customer fees	362		361		1,935		1,490
Earnings on cash surrender value of life insurance	1,515		2,051		11,174		7,060
Net realized gains on sales of available for sale securities	57		358		1,194		5,674
Other income	672		615		1,929		3,008
Total Non-Interest Income	24,150		25,847		107,941		109,323
NON-INTEREST EXPENSES
Salaries and employee benefits	52,331		42,432		206,893		166,995
Net occupancy	6,638		5,644		26,211		23,326
Equipment	6,148		4,994		23,945		19,401
Marketing	3,157		1,840		7,708		5,762
Outside data processing fees	5,611		4,581		21,682		18,317
Printing and office supplies	390		356		1,588		1,217
Intangible asset amortization	2,303		1,463		8,275		5,747
FDIC assessments	2,295		1,862		10,235		6,243
Other real estate owned and foreclosure expenses	197		171		823		992
Professional and other outside services	3,961		3,627		21,642		11,913
Other expenses	6,668		5,466		26,713		19,300
Total Non-Interest Expenses	89,699		72,436		355,715		279,213
INCOME BEFORE INCOME TAX	83,407		54,684		255,674		240,790
Income tax expense	12,647		6,951		33,585		35,259
NET INCOME	70,760		47,733		222,089		205,531
Preferred stock dividends	468		—		1,406		—
NET INCOME AVAILABLE TO COMMON STOCKHOLDERS	$	70,292	$	47,733	$	220,683	$	205,531
Per Share Data:
Basic Net Income Available to Common Stockholders	$	1.20	$	0.89	$	3.83	$	3.82
Diluted Net Income Available to Common Stockholders	$	1.19	$	0.89	$	3.81	$	3.81
Cash Dividends Paid to Common Stockholders	$	0.32	$	0.29	$	1.25	$	1.13
Average Diluted Common Shares Outstanding (in thousands)	59,384		53,660		57,950		53,984


FINANCIAL HIGHLIGHTS
(Dollars in thousands)	Three Months Ended						Twelve Months Ended
	December 31,						December 31,
	2022			2021			2022			2021
NET CHARGE-OFFS (RECOVERIES)	$	3,425		$	4,575		$	2,674		$	9,306

AVERAGE BALANCES:
Total Assets	$	17,834,468		$	15,298,655		$	17,220,002		$	14,830,397
Total Loans	11,818,911			9,076,652			10,943,051			9,170,650
Total Earning Assets	16,702,944			14,053,310			15,985,691			13,579,113
Total Deposits	14,564,853			12,647,737			14,198,243			12,176,231
Total Stockholders' Equity	1,958,041			1,890,229			1,972,445			1,866,632

FINANCIAL RATIOS:
Return on Average Assets	1.59		%	1.25		%	1.29		%	1.39		%
Return on Average Stockholders' Equity	14.36			10.10			11.19			11.01
Return on Average Common Stockholders' Equity	14.55			10.10			11.30			11.01
Average Earning Assets to Average Assets	93.66			91.86			92.83			91.56
Allowance for Credit Losses - Loans as % of Total Loans	1.86			2.11			1.86			2.11
Net Charge-offs as % of Average Loans (Annualized)	0.12			0.20			0.02			0.10
Average Stockholders' Equity to Average Assets	10.98			12.36			11.45			12.59
Tax Equivalent Yield on Average Earning Assets	4.73			3.29			3.94			3.44
Interest Expense/Average Earning Assets	1.01			0.25			0.53			0.26
Net Interest Margin (FTE) on Average Earning Assets	3.72			3.04			3.41			3.18
Efficiency Ratio	48.60			53.49			53.20			50.94
Tangible Common Book Value Per Share	$	21.45		$	25.21		$	21.45		$	25.21


NON-PERFORMING ASSETS
(Dollars In Thousands)	December 31,			September 30,			June 30,			March 31,			December 31,
	2022			2022			2022			2022			2021
Non-Accrual Loans	$	42,324		$	43,508		$	45,970		$	42,698		$	43,062
Renegotiated Loans	224			195			233			141			329
Non-Performing Loans (NPL)	42,548			43,703			46,203			42,839			43,391
Other Real Estate Owned and Repossessions	6,431			6,454			6,521			6,271			558
Non-Performing Assets (NPA)	48,979			50,157			52,724			49,110			43,949
90+ Days Delinquent	1,737			764			592			2,085			963
NPAs & 90 Day Delinquent	$	50,716		$	50,921		$	53,316		$	51,195		$	44,912

Allowance for Credit Losses - Loans	$	223,277		$	226,702		$	226,275		$	195,984		$	195,397
Quarterly Net Charge-offs (Recoveries)	2,674			(427)			263			(587)			4,575
NPAs / Actual Assets %	0.27		%	0.28		%	0.30		%	0.32		%	0.28		%
NPAs & 90 Day / Actual Assets %	0.28		%	0.29		%	0.30		%	0.33		%	0.29		%
NPAs / Actual Loans and OREO %	0.41		%	0.43		%	0.46		%	0.52		%	0.47		%
Allowance for Credit Losses - Loans / Actual Loans (%)	1.86		%	1.94		%	1.98		%	2.09		%	2.11		%
Net Charge-offs (Recoveries) as % of Average Loans (Annualized)	0.12		%	(0.01)		%	0.01		%	(0.03)		%	0.20		%


CONSOLIDATED BALANCE SHEETS
(Dollars In Thousands)	December 31,		September 30,		June 30,		March 31,		December 31,
	2022		2022		2022		2022		2021
ASSETS
Cash and due from banks	$	122,594	$	119,532	$	212,559	$	148,277	$	167,146
Interest-bearing deposits	126,061		179,593		136,702		395,262		474,154
Investment securities, net of allowance for credit losses	4,263,788		4,294,768		4,630,030		4,489,263		4,524,353
Loans held for sale	9,094		25,394		9,060		3,938		11,187
Loans	12,003,894		11,650,002		11,397,417		9,356,241		9,241,861
Less: Allowance for credit losses - loans	(223,277)		(226,702)		(226,275)		(195,984)		(195,397)
Net loans	11,780,617		11,423,300		11,171,142		9,160,257		9,046,464
Premises and equipment	117,118		116,306		117,757		105,883		105,655
Federal Home Loan Bank stock	38,525		38,056		38,111		26,422		28,736
Interest receivable	85,070		71,605		68,728		56,081		57,187
Goodwill and other intangibles	747,844		750,713		753,649		569,494		570,860
Cash surrender value of life insurance	308,311		306,932		323,013		291,881		291,041
Other real estate owned	6,431		6,454		6,521		6,271		558
Tax asset, deferred and receivable	111,222		142,110		114,965		73,422		35,641
Other assets	221,631		244,222		198,255		138,807		140,167
TOTAL ASSETS	$	17,938,306	$	17,718,985	$	17,780,492	$	15,465,258	$	15,453,149
LIABILITIES
Deposits:
Noninterest-bearing	$	3,173,417	$	3,356,651	$	3,435,331	$	2,745,235	$	2,709,646
Interest-bearing	11,209,328		11,078,174		11,135,538		10,160,718		10,022,931
Total Deposits	14,382,745		14,434,825		14,570,869		12,905,953		12,732,577
Borrowings:
Federal funds purchased	171,560		185,000		100,000		—		—
Securities sold under repurchase agreements	167,413		194,482		186,468		169,697		181,577
Federal Home Loan Bank advances	823,674		643,769		598,865		308,960		334,055
Subordinated debentures and other borrowings	151,298		151,301		151,299		118,677		118,618
Total Borrowings	1,313,945		1,174,552		1,036,632		597,334		634,250
Interest payable	7,530		4,971		2,978		3,589		2,762
Other liabilities	199,316		197,971		192,372		150,749		170,989
Total Liabilities	15,903,536		15,812,319		15,802,851		13,657,625		13,540,578
STOCKHOLDERS' EQUITY
Preferred Stock, $1,000 par value, $1,000 liquidation value:
Authorized -- 600 cumulative shares
Issued and outstanding - 125 cumulative shares	125		125		125		125		125
Preferred Stock, Series A, no par value, $2,500 liquidation preference:
Authorized -- 10,000 non-cumulative perpetual shares
Issued and outstanding - 10,000 non-cumulative perpetual shares	25,000		25,000		25,000		—		—
Common Stock, $.125 stated value:
Authorized -- 100,000,000 shares
Issued and outstanding	7,396		7,393		7,383		6,678		6,676
Additional paid-in capital	1,228,626		1,226,695		1,226,378		987,404		985,818
Retained earnings	1,012,774		961,542		917,311		897,818		864,839
Accumulated other comprehensive income (loss)	(239,151)		(314,089)		(198,556)		(84,392)		55,113
Total Stockholders' Equity	2,034,770		1,906,666		1,977,641		1,807,633		1,912,571
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$	17,938,306	$	17,718,985	$	17,780,492	$	15,465,258	$	15,453,149


CONSOLIDATED STATEMENTS OF INCOME
(Dollars In Thousands, Except Per Share Amounts)	December 31,			September 30,			June 30,			March 31,			December 31,
	2022			2022			2022			2022			2021
INTEREST INCOME
Loans receivable:
Taxable	$	156,102		$	128,504		$	106,787		$	79,075		$	80,583
Tax-exempt	6,930			6,500			5,990			5,704			5,635
Investment securities:
Taxable	9,417			10,055			10,372			8,510			8,028
Tax-exempt	17,033			17,261			17,212			15,875			15,411

Deposits with financial institutions	959			704			610			230			173
Federal Home Loan Bank stock	541			314			175			146			163
Total Interest Income	190,982			163,338			141,146			109,540			109,993
INTEREST EXPENSE
Deposits	33,516			16,644			8,485			4,294			5,589
Federal funds purchased	808			418			76			—			1
Securities sold under repurchase agreements	541			372			134			89			75
Federal Home Loan Bank advances	4,932			3,493			1,774			1,218			1,389
Subordinated debentures and other borrowings	2,229			2,105			2,016			1,659			1,666
Total Interest Expense	42,026			23,032			12,485			7,260			8,720
NET INTEREST INCOME	148,956			140,306			128,661			102,280			101,273
Provision for credit losses - loans	—			—			16,755			—			—
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	148,956			140,306			111,906			102,280			101,273
NON-INTEREST INCOME
Service charges on deposit accounts	7,097			7,165			7,690			6,419			6,462
Fiduciary and wealth management fees	7,501			7,221			7,634			7,332			7,078
Card payment fees	4,533			4,776			5,175			5,723			3,937
Net gains and fees on sales of loans	2,087			2,543			3,226			2,199			3,423
Derivative hedge fees	326			700			1,444			918			1,562
Other customer fees	362			501			662			410			361
Earnings on cash surrender value of life insurance	1,515			6,655			1,308			1,696			2,051
Net realized gains on sales of available for sale securities	57			481			90			566			358
Other income (loss)	672			(425)			1,048			634			615
Total Non-Interest Income	24,150			29,617			28,277			25,897			25,847
NON-INTEREST EXPENSES
Salaries and employee benefits	52,331			56,002			56,041			42,519			42,432
Net occupancy	6,638			6,738			6,648			6,187			5,644
Equipment	6,148			5,997			6,720			5,080			4,994
Marketing	3,157			2,401			1,414			736			1,840
Outside data processing fees	5,611			6,827			4,881			4,363			4,581
Printing and office supplies	390			472			381			345			356
Intangible asset amortization	2,303			2,303			2,303			1,366			1,463
FDIC assessments	2,295			2,824			2,924			2,192			1,862
Other real estate owned and foreclosure expenses	197			328			(266)			564			171
Professional and other outside services	3,961			4,461			10,267			2,953			3,627
Other expenses	6,668			8,025			6,000			6,020			5,466
Total Non-Interest Expenses	89,699			96,378			97,313			72,325			72,436
INCOME BEFORE INCOME TAX	83,407			73,545			42,870			55,852			54,684
Income tax expense	12,647			9,793			3,879			7,266			6,951
NET INCOME	70,760			63,752			38,991			48,586			47,733
Preferred stock dividends	468			469			469			—			—
NET INCOME AVAILABLE TO COMMON STOCKHOLDERS	$	70,292		$	63,283		$	38,522		$	48,586		$	47,733
Per Share Data:
Basic Net Income Available to Common Stockholders	$	1.20		$	1.08		$	0.64		$	0.91		$	0.89
Diluted Net Income Available to Common Stockholders	$	1.19		$	1.08		$	0.63		$	0.91		$	0.89
Cash Dividends Paid to Common Stockholders	$	0.32		$	0.32		$	0.32		$	0.29		$	0.29
Average Diluted Common Shares Outstanding (in thousands)	59,384			59,339			59,308			53,616			53,660
FINANCIAL RATIOS:
Return on Average Assets	1.59		%	1.43		%	0.88		%	1.26		%	1.25		%
Return on Average Stockholders' Equity	14.36			12.54			7.62			10.28			10.10
Return on Average Common Stockholders' Equity	14.55			12.70			7.72			10.28			10.10
Average Earning Assets to Average Assets	93.66			92.90			92.45			92.23			91.86
Allowance for Credit Losses - Loans as % of Total Loans	1.86			1.94			1.98			2.09			2.11
Net Charge-offs (Recoveries) as % of Average Loans (Annualized)	0.12			(0.01)			0.01			(0.03)			0.20
Average Stockholders' Equity to Average Assets	10.98			11.36			11.37			12.23			12.36
Tax Equivalent Yield on Average Earning Assets	4.73			4.11			3.58			3.23			3.29
Interest Expense/Average Earning Assets	1.01			0.56			0.30			0.20			0.25
Net Interest Margin (FTE) on Average Earning Assets	3.72			3.55			3.28			3.03			3.04
Efficiency Ratio	48.60			53.34			58.45			52.79			53.49
Tangible Common Book Value Per Share	$	21.45		$	19.26		$	20.45		$	23.26		$	25.21


LOANS
(Dollars In Thousands)	December 31,		September 30,		June 30,		March 31,		December 31,
	2022		2022		2022		2022		2021
Commercial and industrial loans	$	3,437,126	$	3,330,529	$	3,297,477	$	2,826,660	$	2,714,565
Agricultural land, production and other loans to farmers	241,793		221,954		214,904		209,077		246,442
Real estate loans:
Construction	835,582		828,923		745,983		552,975		523,066
Commercial real estate, non-owner occupied	2,407,475		2,299,272		2,423,185		2,073,197		2,135,459
Commercial real estate, owner occupied	1,246,528		1,268,567		1,264,563		974,521		986,720
Residential	2,096,655		1,990,668		1,813,297		1,226,695		1,159,127
Home equity	630,632		621,619		586,108		512,641		523,754
Individuals' loans for household and other personal expenditures	175,211		173,225		157,264		147,593		146,092
Public finance and other commercial loans	932,892		915,245		894,636		832,882		806,636
Loans	12,003,894		11,650,002		11,397,417		9,356,241		9,241,861
Allowance for credit losses - loans	(223,277)		(226,702)		(226,275)		(195,984)		(195,397)
NET LOANS	$	11,780,617	$	11,423,300	$	11,171,142	$	9,160,257	$	9,046,464


DEPOSITS
(Dollars In Thousands)	December 31,		September 30,		June 30,		March 31,		December 31,
	2022		2022		2022		2022		2021
Demand deposits	$	8,448,797	$	8,534,950	$	8,785,889	$	7,806,033	$	7,704,190
Savings deposits	4,657,140		5,054,490		4,875,880		4,444,417		4,334,802
Certificates and other time deposits of $100,000 or more	742,539		443,588		436,942		252,033		273,379
Other certificates and time deposits	468,712		381,365		446,973		380,293		389,752
Brokered deposits	65,557		20,432		25,185		23,177		30,454
TOTAL DEPOSITS	$	14,382,745	$	14,434,825	$	14,570,869	$	12,905,953	$	12,732,577


CONSOLIDATED AVERAGE BALANCE SHEET AND NET INTEREST MARGIN ANALYSIS
(Dollars in Thousands)
	For the Three Months Ended
	December 31, 2022						December 31, 2021
	Average Balance		Interest Income / Expense		Average Rate		Average Balance		Interest Income / Expense		Average Rate
Assets:

Interest-bearing deposits	$	187,204	$	959	2.05	%	$	558,677	$	173	0.12	%
Federal Home Loan Bank stock	38,066		541		5.68		28,736		163		2.27
Investment Securities: (1)
Taxable	1,987,161		9,417		1.90		1,936,519		8,028		1.66
Tax-Exempt (2)	2,671,602		21,561		3.23		2,452,726		19,508		3.18
Total Investment Securities	4,658,763		30,978		2.66		4,389,245		27,536		2.51
Loans held for sale	4,732		71		6.00		20,688		196		3.79
Loans: (3)
Commercial	8,309,561		126,850		6.11		6,703,241		65,867		3.93
Real Estate Mortgage	1,827,749		16,654		3.64		889,571		7,866		3.54
Installment	843,562		12,527		5.94		711,309		6,654		3.74
Tax-Exempt (2)	833,307		8,772		4.21		751,843		7,133		3.79
Total Loans	11,818,911		164,874		5.58		9,076,652		87,716		3.87
Total Earning Assets	16,702,944		197,352		4.73	%	14,053,310		115,588		3.29	%
Total Non-Earning Assets	1,131,524						1,245,345
Total Assets	$	17,834,468					$	15,298,655
Liabilities:
Interest-bearing deposits:
Interest-bearing deposits	$	5,238,422	$	16,810	1.28	%	$	4,912,556	$	3,637	0.30	%
Money market deposits	3,018,644		10,778		1.43		2,518,612		809		0.13
Savings deposits	1,895,551		2,125		0.45		1,828,631		461		0.10
Certificates and other time deposits	1,038,502		3,803		1.46		706,617		682		0.39
Total Interest-bearing Deposits	11,191,119		33,516		1.20		9,966,416		5,589		0.22
Borrowings	1,097,586		8,510		3.10		620,398		3,131		2.02
Total Interest-bearing Liabilities	12,288,705		42,026		1.37		10,586,814		8,720		0.33
Noninterest-bearing deposits	3,373,734						2,681,321
Other liabilities	213,988						140,291
Total Liabilities	15,876,427						13,408,426
Stockholders' Equity	1,958,041						1,890,229
Total Liabilities and Stockholders' Equity	$	17,834,468	42,026				$	15,298,655	8,720
Net Interest Income (FTE)			$	155,326					$	106,868
Net Interest Spread (FTE) (4)					3.36	%					2.96	%

Net Interest Margin (FTE):
Interest Income (FTE) / Average Earning Assets					4.73	%					3.29	%
Interest Expense / Average Earning Assets					1.01	%					0.25	%
Net Interest Margin (FTE) (5)					3.72	%					3.04	%

(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 2022 and 2021. These totals equal $6,370 and $5,595 for the three months ended December 31, 2022 and 2021, 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 Twelve Months Ended
	December 31, 2022						December 31, 2021
	Average Balance		Interest Income / Expense		Average Rate		Average Balance		Interest Income / Expense		Average Rate
Assets:

Interest-bearing deposits	$	296,863	$	2,503	0.84	%	$	521,637	$	634	0.12	%
Federal Home Loan Bank stock	35,580		1,176		3.31		28,736		597		2.08
Investment Securities: (1)
Taxable	2,056,586		38,354		1.86		1,751,910		29,951		1.71
Tax-Exempt (2)	2,653,611		85,292		3.21		2,106,180		70,039		3.33
Total Investment Securities	4,710,197		123,646		2.63		3,858,090		99,990		2.59
Loans held for sale	14,715		692		4.70		19,190		747		3.89
Loans: (3)
Commercial	7,877,271		380,621		4.83		6,818,968		276,368		4.05
Real Estate Mortgage	1,471,802		51,853		3.52		916,314		34,783		3.80
Installment	785,520		37,302		4.75		683,925		26,111		3.82
Tax-Exempt (2)	793,743		31,803		4.01		732,253		27,987		3.82
Total Loans	10,943,051		502,271		4.59		9,170,650		365,996		3.99
Total Earning Assets	15,985,691		629,596		3.94	%	13,579,113		467,217		3.44	%
Total Non-Earning Assets	1,234,311						1,251,284
Total Assets	$	17,220,002					$	14,830,397
Liabilities:
Interest-bearing deposits:
Interest-bearing deposits	$	5,206,131	$	32,511	0.62	%	$	4,769,482	$	14,512	0.30	%
Money market deposits	2,915,397		19,170		0.66		2,351,803		3,203		0.14
Savings deposits	1,927,122		5,019		0.26		1,754,972		1,886		0.11
Certificates and other time deposits	881,176		6,239		0.71		783,733		3,718		0.47
Total Interest-bearing Deposits	10,929,826		62,939		0.58		9,659,990		23,319		0.24
Borrowings	888,392		21,864		2.46		639,791		12,633		1.97
Total Interest-bearing Liabilities	11,818,218		84,803		0.72		10,299,781		35,952		0.35
Noninterest-bearing deposits	3,268,417						2,516,241
Other liabilities	160,922						147,743
Total Liabilities	15,247,557						12,963,765
Stockholders' Equity	1,972,445						1,866,632
Total Liabilities and Stockholders' Equity	$	17,220,002	84,803				$	14,830,397	35,952
Net Interest Income (FTE)			$	544,793					$	431,265
Net Interest Spread (FTE) (4)					3.22	%					3.09	%

Net Interest Margin (FTE):
Interest Income (FTE) / Average Earning Assets					3.94	%					3.44	%
Interest Expense / Average Earning Assets					0.53	%					0.26	%
Net Interest Margin (FTE) (5)					3.41	%					3.18	%

(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 2022 and 2021. These totals equal $24,590 and $20,585 for the twelve months ended December 31, 2022 and 2021, 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.


ADJUSTED EPS EXCLUDING PAYCHECK PROTECTION PROGRAM ("PPP") AND ACQUISITION-RELATED EXPENSES - NON-GAAP
(Dollars In Thousands, Except Per Share Amounts)	Three Months Ended										Twelve Months Ended
	December 31,		September 30,		June 30,		March 31,		December 31,		December 31,		December 31,
	2022		2022		2022		2022		2021		2022		2021
Net Income Available to Common Stockholders - GAAP	$	70,292	$	63,283	$	38,522	$	48,586	$	47,733	$	220,683	$	205,531
Adjustments:
PPP loan income	(109)		(323)		(891)		(1,884)		(3,721)		(3,207)		(30,900)
Acquisition-related expenses	413		3,417		12,549		152		—		16,531		—
Acquisition-related provision expense	—		—		16,755		—		—		16,755		—
Tax on adjustment	(75)		(759)		(6,967)		425		912		(7,376)		7,577
Adjusted Net Income Available to Common Stockholders - Non-GAAP	$	70,521	$	65,618	$	59,968	$	47,279	$	44,924	$	243,386	$	182,208

Average Diluted Common Shares Outstanding (in thousands)	59,384		59,339		59,308		53,616		53,660		57,950		53,984

Diluted Earnings Per Common Share - GAAP	$	1.19	$	1.08	$	0.63	$	0.91	$	0.89	$	3.81	$	3.81
Adjustments:
PPP loan income	(0.01)		—		(0.01)		(0.04)		(0.07)		(0.06)		(0.57)
Acquisition-related expenses	0.01		0.05		0.22		—		—		0.28		—
Acquisition-related provision expense	—		—		0.30		—		—		0.30		—
Tax on adjustment	—		(0.01)		(0.13)		0.01		0.02		(0.13)		0.14
Adjusted Diluted Earnings Per Common Share - Non-GAAP	$	1.19	$	1.12	$	1.01	$	0.88	$	0.84	$	4.20	$	3.38

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Document and Entity Information Document	Jan. 26, 2023
Entity Listings [Line Items]
Document Type	8-K
Document Period End Date	Jan. 26, 2023
Entity Registrant Name	FIRST MERCHANTS CORP
Entity Incorporation, State or Country Code	IN
Entity File Number	001-41342
Entity Tax Identification Number	35-1544218
Entity Address, Address Line One	200 East Jackson Street
Entity Address, Address Line Two	P.O. Box 792
Entity Address, City or Town	Muncie
Entity Address, State or Province	IN
Entity Address, Postal Zip Code	47305-2814
City Area Code	765
Local Phone Number	747-1500
Written Communications	false
Soliciting Material	false
Pre-commencement Tender Offer	false
Pre-commencement Issuer Tender Offer	false
Entity Emerging Growth Company	false
Entity Central Index Key	0000712534
Amendment Flag	false
Common Stock, $0.125 stated value per share
Entity Listings [Line Items]
Title of 12(b) Security	Common Stock, $0.125 stated value per share
Trading Symbol	FRME
Security Exchange Name	NASDAQ
Depositary Shares, each representing a 1/100th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series A
Entity Listings [Line Items]
Title of 12(b) Security	Depositary Shares, each representing a 1/100th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series A
Trading Symbol	FRMEP
Security Exchange Name	NASDAQ

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