GABC German American Bancorp Inc

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

 

WASHINGTON, D.C. 20549

 

FORM 10-Q

 

Quarterly Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 for the Quarterly Period Ended June 30, 2021

 

 

711 Main Street, Jasper, Indiana 47546

(Address of Principal Executive Offices and Zip Code)

 

Registrant’s telephone number, including area code: (812) 482-1314

 

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.

 

Yes   x      No ¨

 

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).

 

Yes   x      No ¨

 

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company:

Large accelerated filer

x

Accelerated filer ¨

Non-accelerated filer ¨

Smaller reporting company

☐

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. ¨

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act): 

Yes   ☐      No x

 

Securities registered pursuant to Section 12(b) of the Act:

Title of each class			Trading Symbol(s)			Name of each exchange on which registered
Common Stock, no par value			GABC			Nasdaq Global Select Market

As of August 2, 2021, the registrant had 26,545,704 outstanding shares of Common Stock, no par value.

CAUTION REGARDING FORWARD-LOOKING STATEMENTS AND ASSOCIATED RISKS

 

Information included in or incorporated by reference in this Quarterly Report on Form 10-Q, our other filings with the Securities and Exchange Commission (the “SEC”) and our press releases or other public statements contains or may contain “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Please refer to the discussions of our forward-looking statements and associated risks in our Annual Report on Form 10-K for the year ended December 31, 2020, in Item 1, “Business - Forward-Looking Statements and Associated Risks” and our discussion of risk factors in Item 1A, “Risk Factors” of that Annual Report on Form 10-K, as updated and supplemented from time to time by our subsequent SEC filings, including by the discussion under the heading “Forward-Looking Statements and Associated Risks” at the conclusion of Item 2 of Part I of this Report (“Management’s Discussion and Analysis of Financial Condition and Results of Operations”), and by the additional risk factors set forth in Part II, Item 1A, “Risk Factors” of this Report.

*****

 

INDEX

 

Glossary of Terms and Acronyms						4
PART I.            FINANCIAL INFORMATION						6
Item 1.			Unaudited Financial Statements			6
			Consolidated Balance Sheets – June 30, 2021 and December 31, 2020			6
			Consolidated Statements of Income – Three Months Ended June 30, 2021 and 2020			7
			Consolidated Statements of Income – Six Months Ended June 30, 2021 and 2020			8
			Consolidated Statements of Comprehensive Income (Loss) – Three and Six Months Ended June 30, 2021 and 2020			9
			Consolidated Statements of Changes in Shareholders' Equity - Three and Six Months Ended June 30, 2021 and 2020			10
			Consolidated Statements of Cash Flows – Six Months Ended June 30, 2021 and 2020			12
			Notes to Consolidated Financial Statements – June 30, 2021			13
Item 2.			Management’s Discussion and Analysis of Financial Condition and Results of Operations			47
Item 3.			Quantitative and Qualitative Disclosures About Market Risk			63
Item 4.			Controls and Procedures			64
PART II.           OTHER INFORMATION						65
Item 1.			Legal Proceedings			65
Item 1A.			Risk Factors			65
Item 2.			Unregistered Sales of Equity Securities and Use of Proceeds			65
Item 3.			Defaults Upon Senior Securities			65
Item 4.			Mine Safety Disclosures			65
Item 5.			Other Information			65
Item 6.			Exhibits			66
SIGNATURES						67

GLOSSARY OF TERMS AND ACRONYMS

As used in this Report, references to “Company,” “we,” “our,” “us,” and similar terms refer to German American Bancorp, Inc. and its consolidated subsidiaries as a whole. Occasionally, we will refer to the term “parent company” or “holding company” when we mean to refer to only German American Bancorp, Inc. and the term “Bank” when we mean to refer only to German American Bank, the Company’s bank subsidiary.

The terms and acronyms identified below are used throughout this Report, including the Notes to Consolidated Financial Statements. You may find it helpful to refer to this Glossary as you read this Report.

2009 ESPP:     German American Bancorp, Inc. 2009 Employee Stock Purchase Plan

2019 ESPP:     German American Bancorp, Inc. 2019 Employee Stock Purchase Plan

2019 LTI Plan:     German American Bancorp, Inc. 2019 Long-Term Equity Incentive Plan

Basel III Rules:    Regulatory capital rules agreed to by the Basel Committee on Banking Supervision, as issued by the FRB and OCC and published in the Federal Register on October 11, 2013

CAA:     2021 Consolidated Appropriations Act enacted on December 27, 2020, which included a $900 billion COVID-19 relief package

CARES Act:    Coronavirus Aid, Relief and Economic Security Act

COVID-19:    Novel coronavirus disease 2019 declared, in March 2020, by the World Health Organization as a global pandemic and by the President of the United States as a national emergency

Dodd-Frank Act:     Dodd-Frank Wall Street Reform and Consumer Protection Act

FASB:     Financial Accounting Standards Board

FDIC:     Federal Deposit Insurance Corporation

federal banking

regulators:    The FRB, the OCC, and the FDIC, collectively

PPPL Facility:    Paycheck Protection Program Liquidity Facility authorized by the FRB pursuant to the Federal Reserve Act

SBA:    Small Business Administration

SEC:    Securities and Exchange Commission

TDR:    Troubled Debt Restructurings