|Exchange:||NASDAQ national market|
|Stock:||German American Bancorp|
|Industry:||Banks - Regional - US|
|German American Bancorp is a financial services holding company. The Company through its banking subsidiary German American Bancorp, operates 35 retail and commercial banking offices in 13 southern Indiana counties. The Company also owns a trust, brokerage, and financial planning subsidiary and a full line property and casualty insurance agency. The Company’s lines of business include retail and commercial banking, mortgage banking, comprehensive financial planning, full service brokerage and trust administration, and a full range of personal and corporate insurance products. The Company’s operations are mainly comprised of three business segments: core banking, trust and investment advisory services, and insurance operations. The core banking segment involves attracting deposits from the general public and using such funds to originate consumer, commercial and agricultural, commercial and agricultural real estate, and residential mortgage loans, mainly in the Company’s local markets. The core banking segment also involves the sale of residential mortgage loans in the secondary market. The core banking segment is comprised by the Company’s banking subsidiary, German American Bancorp. The trust and investment advisory services segment involves providing trust, investment advisory, and brokerage services to customers. The trust and investment advisory services segment’s is comprised of German American Financial Advisors & Trust Company. The insurance segment offers a full range of personal and corporate property and casualty insurance products, primarily in the Company’s banking subsidiary’s local markets. The insurance segment primarily consists of German American Insurance, Inc., which provides a full line of personal and corporate insurance products. The Company’s subsidiaries compete competes for commercial and retail banking business within its core banking segment. It competes for loans and deposits not only with commercial banks but also with savings and loan associations, savings banks, credit unions, production credit associations, federal land banks, finance companies, credit card companies, personal loan companies, investment brokerage firms, insurance agencies, insurance companies, lease finance companies, money market funds, mortgage companies, and other non-depository financial intermediaries. The Company is subject to regulation and supervision by the Board of Governors of the Federal Reserve System under the Bank Holding Company Act of 1956, as amended.|
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