German American Bancorp, Inc. · NASDAQ:GABC
German American Bancorp — KBW 2011 Community Bank Conference
24 slides from German American Bancorp's conference presentation, Aug 1, 2011
Slide 1: German American Bancorp, Inc. - KBW 2011 Community Bank Conference
German American Bancorp, Inc. Symbol: GABC KBW 2011 Community Bank Conference August 3, 2011 Strong Ties Strong Solutions Now Even Stronger in Southern Indiana
Slide 2: Presented By
cE eee Presented By Clay W. Ewing President - Commercial & Retail Banking Bradley M. Rust Executive Vice President and CFO
Slide 3: Cautionary Note re Forward-Looking Statements
ES = Geman Amerian Banking | insurance | investments CAUTIONARY NOTE RE FORWARD-LOOKING STATEMENTS When used in this presentation and our oral statements, the words or phrases “believe,” “will likely result,” “are expected to,” “will continue,” “is anticipated,” “estimate,” “project,” “plans,” or si
Slide 4: Who We Are
German American akg | vance | isos Who We Are * Southern Indiana Community-focused Financial Services Organization $1.8 Billion Total Assets 33 Financial Centers 42 Contiguous Counties Banking, Insurance, Investments & Trust fSt- Louis) oj (© ABC Community-Based Fanci Network
Slide 5: Diversified Economic Base, Stable Economic Environment
= Geman American Banking | Insurance | vestments Diversified Economic Base Stable Economic Environment Regional Education & Heath Care Minimal Big 3 Auto influence Life Sciences & Technology Minimal Organized Labor Influence Monroe Agriculture & Manufacturing county ° Major Employers lion Education
Slide 6: County Unemployment Rates June 2011 - Non Seasonally Adjusted
Slide 7: Ranking of County Data for June 2011
Slide 8: Delivery of Superior Performance
SS = Geman rein Banking | Insurance | Investments Delivery of Superior Performance = 2011 Second Quarter and Year-to-Date Record Earnings Performance = Double-digit Return on Equity for Past 5 Consecutive Fiscal Years = KBW 2010 Bank Honor Roll Recipient = Ranked in Top 50 by US Banker - 2010 Top Co
Slide 9: German American Bancorp, Inc. - Bradley M. Rust, CFO
——————————————————————— German American Bancorp, Inc. Bradley M. Rust Executive Vice President and CFO Strong Ties Strong Solutions Now Even Stronger in Southern Indiana
Slide 10: Financial Trends
Be = Cen Area Financial Trends 10
Slide 11: Total Assets
Total Assets 12/31/06 12/31/07 12/31/08 = 12/31/09 12/31/10 06/30/11 (Dollars in Milions)
Slide 12: Total Shareholders' Equity
Total Shareholders’ Equity @ = Annualized Return on Equity 12.84% 11.12% 11.18% 12/31/06 = 12/31/07 12/31/08 = 12/31/09 12/31/10 6/30/11 (Dollars in Millions) 12
Slide 13: Total Deposits
Total Deposits ¢ = Non-Maturity Deposit Accounts as % of Total Deposits 12/31/09 12/31/10
Slide 14: Total Loans, Net of Unearned Income
Total Loans, Net of Unearned Income = Commercial & Agricultural Loans as % of Total Loans $1,200 $1,100 $1,000 $900 $800 $700 $600 $500 12/31/06 12/31/07 12/31/08 12/31/09 12/31/10 06/30/11 (Dolars in Milions) 14
Slide 15: Loan Portfolio Composition
ee Loan Portfolio Composition (June 30, 2011) 2 Residential Home Equity Mortgage Loans, Loans, 7% Aaa Consumer Construction & Loans, 4% Development Loans, 4% Agricultural Loans, 14% C &l Loans, 26% Commercial Real Estate, 35% 15
Slide 16: Non-Performing Assets to Total Assets
Non-Performing Assets to Total Assets 0.50% 0.00% 12/31 1/07 12/31/08 12/31/09 12/31/10 06/30/11 GABC. 4 Group * Peer Group data is as of 3/31/11 16
Slide 17: Net Charge-offs to Average Loans
1.50% 25% 1.00% 0.75% 0.50% 0.25% 0.00% Net Charge-offs to Average Loans 8 12/31/09 12/31/10 * Peer Group data is as 0 06/30/11 31/11
Slide 18: Net Interest Income (Tax-Equivalent)
$66,000 $63,000 $60,000 $57,000 $54,000 $51,000 $48,000 $45,000 $42,000 $39,000 $36,000 $33,000 $30,000 Net Interest Income (Tax-Equivalent) = Net Interest Margin 12/31/06 12/31/07 12/31/08 12/31/09 12/31/10 (Dollars In Thousands) 6/30/2011 Annualized 18
Slide 19: Net Income & Earnings Per Share
Net Income & Earnings Per Share $22,000 $19,078 | $20,000 $18,000 $16,000 $12,803 $12,218 $14,000 / $12,000 $10,000 $8,000 $6,000 $4,000 $2,00. $ 1213106 = 1281/07» 12/3408 = 12/31/09 12/31/10 6/30/2011 Annualized 49 (Dollars in Thousands)
Slide 20: Capitalize upon Market Strength & Growth
BS = Geman Arerian Banking | Insurance | vestments Capitalize upon Market Strength & Growth = DeNovo Branching Strategy + Bloomington, Indiana market + Expanded legacy market potential by 45% = Bank / Branch Strategy Acquisition + Evansville, Indiana market acquisitions - Expanded legacy market pote
Slide 21: Legacy Markets
Legacy Markets yi Market Share Position | vovsce | «ahr Z WARRICK SK vvgwoeReurcH COUNTY Naa coUNTY | \ x A ‘Source: fdic.gov 2010 Summary of Deposits 2
Slide 22: Growth Markets
Growth Markets Market Share Position y Total #5 Deposts, county Growth Markets $5,811,363 #3 #q | ‘Cine Legacy Markets $3,940,873 4 tox coury mag #5 “a y upois q mr coun > county oN { eany c > seevcer | coum |S ¢ #2 > > \ Ae - & 5 if XR) v Source: fc 907 2010 Summary of Deposits 2
Slide 23: Why Invest in GABC?
ee gi cee Banking | insurance | vestments Why Invest in GABC? = Focus on increasing long-term institutional ownership + Proven Executive Management Team * Track record of Consistent Top Quartile Financial Performance + Experienced in Operating Plan Execution and M & A Transitions * Growth Markets Po
Slide 24: German American Bancorp, Inc. Contacts
——————— German American Bancorp, Inc. Mark A. Schroeder, Chairman and CEO (812) 482-0701 mark.schroeder@germanamerican.com Clay W. Ewing, President - Commercial & Retail Banking (812) 482-0702 clay.ewing@germanamerican.com Bradley M. Rust, Executive Vice President and CFO (812) 482-0718 brad.rust@ge
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