Call reports 2015
GERMAN AMERICAN BANK — 2015
What GERMAN AMERICAN BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 2,232,513,000 | 2,251,636,000 | 2,305,990,000 | 2,365,889,000 |
| Total loans | 1,453,303,000 | 1,483,268,000 | 1,519,990,000 | 1,575,109,000 |
| Allowance for loan losses | 15,169,000 | 15,258,000 | 14,770,000 | 14,438,000 |
| Securities available for sale | 615,915,000 | 615,606,000 | 622,057,000 | 634,895,000 |
| Securities held to maturity | 95,000 | 95,000 | 95,000 | 95,000 |
| Trading assets | 853,000 | 440,000 | 1,433,000 | 1,201,000 |
| Total deposits | 1,821,762,000 | 1,780,783,000 | 1,826,205,000 | 1,845,888,000 |
| Interest-bearing deposits | 1,395,339,000 | 1,355,001,000 | 1,407,097,000 | 1,380,088,000 |
| Noninterest-bearing deposits | 426,423,000 | 425,782,000 | 419,108,000 | 465,800,000 |
| Equity capital | 217,762,000 | 219,183,000 | 226,159,000 | 227,417,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 19,983,000 | 40,145,000 | 60,552,000 | 81,560,000 |
| Interest expense | 1,338,000 | 2,693,000 | 4,138,000 | 5,607,000 |
| Net interest income | 18,645,000 | 37,452,000 | 56,414,000 | 75,953,000 |
| Noninterest income | 6,680,000 | 12,539,000 | 20,297,000 | 26,698,000 |
| Noninterest expense | 14,756,000 | 28,922,000 | 45,660,000 | 60,479,000 |
| Provision for loan losses | 250,000 | 500,000 | 0 | 0 |
| Pretax income | 10,782,000 | 21,267,000 | 31,749,000 | 42,870,000 |
| Income tax | 3,481,000 | 6,618,000 | 9,272,000 | 12,476,000 |
| Net income | 7,301,000 | 14,649,000 | 22,477,000 | 30,394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 190,960,000 | 198,301,000 | 201,228,000 | 203,285,000 |
| Total capital | 206,129,000 | 213,559,000 | 215,998,000 | 217,723,000 |
| Risk-weighted assets | 1,631,728,000 | 1,667,414,000 | 1,750,532,000 | 1,802,849,000 |