NASDAQ$GABC
German American Bancorp Inc · Q2 2020 earnings
Q2 2020 earnings · · Investor relations
Briefing
Reported earnings for the second quarter of 2020.
German American Bancorp, Inc. reported a solid profitability for Q2 2020, with earnings of $14.3 million or $0.54 per share. The company saw unprecedented organic growth in loans and deposits, driven by participation in the Paycheck Protection Program (PPP) and an overall inflow of customer deposits. However, net interest margin was pressured by lower market interest rates and the 1% interest rate on PPP loans.
- Reported quarterly earnings of $14.3 million, or $0.54 per share.
- End-of-period loans increased by $253 million, or approximately 8%, from the prior quarter.
- Total deposits increased by $501 million, or approximately 14%, relative to the prior quarter.
- Allowance for credit losses totaled $42.4 million.
Headline financials
Revenue & EPS history
German American · Revenue · Quarterly
$50.9M
Revenue by segment
German American · $7.73M total across 5 segments · Q2 2020
- Loan Gains$2.65M—34.3%
- Interchange Fees$2.48M—32.0%
- Deposit Service Charges$1.37M—17.7%
- Other Op Income$882K—11.4%
- COLI Income$356K—4.6%
Forward guidance
The company did not provide specific forward guidance in the earnings report.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q2 2020
+0.2%
Avg return
Earnings day
+0.2%
Avg return
5 days after
+1.8%
Avg return
30 days after
55%
36 / 66 earnings
Positive
+7.3%
Q2 2012
Best reaction
-8.1%
Q1 2023
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | +0.4% | -1.2% | -1.2% | |
| Q4 2025 | +3.6% | +3.7% | +5.0% | |
| Q3 2025 | +1.9% | +1.1% | +1.4% | |
| Q2 2025 | -1.7% | +0.2% | +2.2% | |
| Q1 2025 | +2.1% | +2.8% | -1.1% | |
| Q4 2024 | +4.4% | +3.5% | -0.9% | |
| Q3 2024 | +2.8% | +3.1% | +15.4% | |
| Q2 2024 | -2.4% | -10.1% | -4.4% | |
| Q1 2024 | -1.6% | -0.3% | -2.9% | |
| Q4 2023 | +3.9% | -1.7% | -4.8% | |
| Q3 2023 | +0.9% | +5.5% | +7.9% | |
| Q2 2023 | +1.9% | +7.0% | -2.4% | |
| Q1 2023 | -8.1% | -8.0% | -10.4% | |
| Q4 2022 | +3.7% | +9.5% | +5.0% | |
| Q3 2022 | +0.8% | +2.1% | +1.9% | |
| Q2 2022 | +7.0% | +7.3% | +6.7% | |
| Q1 2022 | -3.6% | -5.2% | -0.1% | |
| Q4 2021 | +1.8% | +1.6% | +1.1% | |
| Q3 2021 | +0.5% | -1.1% | +8.1% | |
| Q2 2021 | +4.0% | +5.1% | +4.4% | |
| Q1 2021 | -1.2% | -2.0% | -8.1% | |
| Q4 2020 | -0.8% | -1.7% | +16.3% | |
| Q3 2020 | -4.7% | -4.5% | +7.5% | |
| Q2 2020 | -1.7% | -4.0% | -2.8% | |
| Q1 2020 | -2.3% | -2.0% | +16.9% | |
| Q4 2019 | +0.8% | -2.5% | -7.6% | |
| Q3 2019 | +0.5% | +1.9% | +3.0% | |
| Q2 2019 | +2.3% | +0.7% | -1.2% | |
| Q1 2019 | +1.2% | +2.3% | -2.9% | |
| Q4 2018 | -3.7% | -0.8% | +2.4% | |
| Q3 2018 | +3.7% | +1.7% | +2.7% | |
| Q2 2018 | -1.2% | -1.6% | +1.4% | |
| Q1 2018 | +0.5% | +3.9% | +5.9% | |
| Q4 2017 | -1.4% | +0.2% | -5.1% | |
| Q3 2017 | -7.1% | -7.0% | -1.1% | |
| Q2 2017 | -1.2% | -6.5% | -8.8% | |
| Q1 2017 | +6.3% | +0.3% | -5.5% | |
| Q4 2016 | -1.2% | +0.1% | +0.5% | |
| Q3 2016 | +1.7% | +3.2% | +22.3% | |
| Q2 2016 | +1.3% | +1.0% | +5.4% | |
| Q1 2016 | -5.5% | — | — | |
| Q4 2015 | -1.8% | — | — | |
| Q3 2015 | -3.5% | — | — | |
| Q2 2015 | -2.1% | — | — | |
| Q1 2015 | +2.9% | — | — | |
| Q4 2014 | -0.2% | — | — | |
| Q3 2014 | +5.5% | — | — | |
| Q2 2014 | +0.1% | — | — | |
| Q4 2013 | +6.5% | — | — | |
| Q1 2014 | -1.0% | — | — | |
| Q3 2013 | -0.3% | — | — | |
| Q2 2013 | +1.3% | — | — | |
| Q4 2012 | +1.3% | — | — | |
| Q1 2013 | -3.5% | — | — | |
| Q4 2010 | -3.6% | — | — | |
| Q4 2011 | -3.6% | — | — | |
| Q3 2012 | +2.9% | — | — | |
| Q2 2012 | +7.3% | — | — | |
| Q1 2011 | +0.1% | — | — | |
| Q1 2012 | +2.9% | — | — | |
| Q4 2009 | +6.2% | — | — | |
| Q3 2011 | -4.2% | — | — | |
| Q2 2011 | -6.8% | — | — | |
| Q3 2010 | -3.4% | — | — | |
| Q2 2010 | +0.5% | — | — | |
| Q1 2010 | -0.2% | — | — |
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