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711 Main Street,

Box 810,

Jasper,

Indiana

47546

(Address of Principal Executive Offices)

(Zip Code)

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

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. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

Large accelerated filer

þ

Accelerated filer

o

Non-accelerated filer

o

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. o

Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report.			☑

 

As of February 15, 2021, there were outstanding 26,502,157 common shares, no par value, of the registrant.

DOCUMENTS INCORPORATED BY REFERENCE

Portions of the Proxy Statement of German American Bancorp, Inc., for the Annual Meeting of its Shareholders to be held May 20, 2021, to the extent stated herein, are incorporated by reference into Part III (Items 10 through 14).

GERMAN AMERICAN BANCORP, INC.

ANNUAL REPORT ON FORM 10-K

For Fiscal Year Ended December 31, 2020

 

Table of Contents 

Glossary of Terms and Acronyms						3
PART I
Item 1.			Business			5
Item 1A.			Risk Factors			17
Item 1B.			Unresolved Staff Comments			25
Item 2.			Properties			25
Item 3.			Legal Proceedings			25
Item 4.			Mine Safety Disclosures			25
PART II
Item 5.			Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities			26
Item 6.			Selected Financial Data			28
Item 7.			Management’s Discussion and Analysis of Financial Condition and Results of Operations			29
Item 7A.			Quantitative and Qualitative Disclosures About Market Risk			51
Item 8.			Financial Statements and Supplementary Data			53
Item 9.			Changes in and Disagreements with Accountants on Accounting and Financial Disclosure			111
Item 9A.			Controls and Procedures			111
Item 9B.			Other Information			111
PART III
Item 10.			Directors, Executive Officers and Corporate Governance			112
Item 11.			Executive Compensation			112
Item 12.			Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters			112
Item 13.			Certain Relationships and Related Transactions, and Director Independence			112
Item 14.			Principal Accounting Fees and Services			112
PART IV
Item 15.			Exhibits, Financial Statement Schedules			113
Item 16.			Form 10-K Summary			117
SIGNATURES						118

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

BHC Act:     Bank Holding Company Act of 1956, as amended

BSA:     Bank Secrecy Act (Financial Recordkeeping and Reporting of Currency and Foreign Transactions Act of 1970)

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

CBLR:     Community bank leverage ratio, which is the subject of rules adopted by federal banking regulators on October 29,2019 (the "CBLR framework")

CECL:     Current expected credit losses, which are the subject of an accounting standard under GAAP

CET1:     Common Equity Tier 1 Capital

CFPB:     Consumer Financial Protection Bureau

Citizens First:     Citizens First Corporation, which was acquired by the Company on July 1, 2019

CMO:     Collateralized mortgage obligations

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

Economic Growth Act:     Economic Growth, Relief and Consumer Protection Act of 2018

ERISA:     Employee Retirement Income and Security Act of 1974

federal banking

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

FHLB:     Federal Home Loan Bank

First Security:     First Security, Inc., which was acquired by the Company on October 15, 2018

FRB:     Board of Governors of the Federal Reserve System

GAAP:    Generally Accepted Accounting Principles in the United States of America

GLB Act:     Gramm-Leach-Bliley Financial Modernization Act of 1999

PCD: Purchased with credit deterioration

PCI: Purchased credit impaired

PPP: Paycheck Protection Program established under the CARES Act

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

SOFR: Secured Overnight Funding Rate recommended by the Alternative Reference Rate Committee as an alternative to LIBOR

TDR: Troubled Debt Restructurings

USA Patriot Act: Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001

Information included in or incorporated by reference in this Annual Report on Form 10-K, our other filings with the Securities and Exchange Commission and our press releases or other public statements, contain or may contain “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Please refer to a discussion of our forward- looking statements and associated risks in Item 1, “Business - Forward-Looking Statements and Associated Risks” and our discussion of risk factors in Item 1A, “Risk Factors” in this Annual Report on Form 10-K.