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Peer Analysis

Performance Ratios (%) FRME Peer Median Peer Average
ROAA 1.49 1.18 1.18
ROAE 10.72 9.70 9.70
Net Interest Margin 4.02 3.69 3.72
Efficiency Ratio 50.45 57.50 57.14
Loans / Deposits 92.86 94.81 95.48
Asset Quality Ratios (%)
NPAs / Assets 0.31 0.60 0.80
NCOs / Avg Loans 0.03 0.16 0.19
Reserves / Loans 1.11 0.91 0.94
Reserves / NPAs 259.21 109.96 118.16
Capital Ratios (%)
Tier 1 Capital 12.46 12.22 12.29
Tangible Equity / Tangible Assets 9.55 9.10 9.35
Total Equity / Total Assets 13.91 12.66 12.48
Market Ratios
Price / Earnings (x) 12.68 14.12 14.21
Price / Book (%) 131.33 126.81 130.38
Dividend Yield (%) 2.43 2.91 2.98
Data for trailing four quarters

First Merchants Corporation's peer group consists of the following: 1st Source Corporation (SRCE), Chemical Financial Corporation (CHFC), Community Trust Bancorp, Inc. (CTBI), F.N.B. Corporation (FNB), First Busey Corporation (BUSE), First Commonwealth Financial Corporation (FCF), First Financial Bancorp. (FFBC), First Midwest Bancorp, Inc. (FMBI), Heartland BancCorp (HLAN), Independent Bank Corporation (IBCP), MainSource Financial Group, Inc. (MSFG), MB Financial, Inc. (MBFI), National Penn Bancshares, Inc. (NPBC), Old National Bancorp (ONB), Park National Corporation (PRK), Pinnacle Financial Partners, Inc. (PNFP), Republic Bancorp, Inc. (RBCA.A), S&T Bancorp, Inc. (STBA), Stock Yards Bancorp, Inc. (SYBT)

First Merchants Corporation's financial data is as of 9/30/2018.

Peer financial data is as of 9/30/2018 except for these companies:

National Penn Bancshares, Inc.'s financial data is as of 12/31/2015.
MainSource Financial Group, Inc.'s financial data is as of 3/31/2018.

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