frme-20220426

0000712534-22-000089.txt : 20220426 0000712534-22-000089.hdr.sgml : 20220426 20220426080730 ACCESSION NUMBER: 0000712534-22-000089 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20220426 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20220426 DATE AS OF CHANGE: 20220426 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIRST MERCHANTS CORP CENTRAL INDEX KEY: 0000712534 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 351544218 STATE OF INCORPORATION: IN FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-41342 FILM NUMBER: 22851843 BUSINESS ADDRESS: STREET 1: 200 E JACKSON ST STREET 2: PO BOX 792 CITY: MUNCIE STATE: IN ZIP: 47308-0792 BUSINESS PHONE: 7657471500 MAIL ADDRESS: STREET 1: 200 EAST JACKSON STREET CITY: MUNCIE STATE: IN ZIP: 47305 8-K 1 frme-20220426.htm 8-K frme-20220426

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

DATE OF REPORT (Date of earliest event reported): April 26, 2022

FIRST MERCHANTS CORPORATION

(Exact name of registrant as specified in its charter)


Indiana
(State or other jurisdiction of incorporation)
001-41342			35-1544218
(Commission File Number)			(IRS Employer Identification No.)

200 East Jackson Street

P.O. Box 792

Muncie, IN 47305-2814

(Address of principal executive offices, including zip code)

(765) 747-1500

(Registrant's telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report)


Title of Each Class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, $0.125 stated value per share	FRME	The Nasdaq Stock Market LLC
Depositary Shares, each representing a 1/100th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series A	FRMEP	The Nasdaq Stock Market LLC

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

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. ☐

ITEM 2.02 RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

On April 26, 2022, First Merchants Corporation issued a press release to report its financial results for the first quarter ended March 31, 2022. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

The information in this Current Report on Form 8-K, including Exhibit No. 99.1 hereto, shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to liability of that section. The information in this Current Report shall not be incorporated by reference into any filing or other document pursuant to the Securities Act of 1933, as amended, except as shall be expressly set forth by specific reference in such filing or document.

ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS.

(a) Not applicable.

(b) Not applicable.

(d) Exhibits.

Exhibit 99.1 Press Release, dated April 26, 2022, issued by First Merchants Corporation

Exhibit 104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.


									First Merchants Corporation
									(Registrant)

									By: /s/ Michele M. Kawiecki Michele M. Kawiecki Executive Vice President, Chief Financial Officer (Principal Financial and Accounting Officer)
Dated: April 26, 2022

EXHIBIT INDEX

Exhibit No. Description

99.1 Press Release, dated April 26, 2022, issued by First Merchants Corporation

104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

EX-99.1 2 a1q22earningsreleaseex991.htm EX-99.1 Document

N / E / W / S R / E / L / E / A / S / E

April 26, 2022

FOR IMMEDIATE RELEASE

For more information, contact:

Nicole M. Weaver, Vice President and Director of Corporate Administration

765-521-7619

http://www.firstmerchants.com

SOURCE: First Merchants Corporation, Muncie, Indiana

FIRST MERCHANTS CORPORATION ANNOUNCES FIRST QUARTER 2022 EARNINGS PER SHARE

First Merchants Corporation (NASDAQ - FRME)

First Quarter 2022 Highlights:

• Net income was $48.6 million and diluted earnings per share totaled $.91, compared to $49.5

million and $.91 in the first quarter of 2021, and $47.7 million and $.89 in the fourth quarter of 2021.

• Diluted earnings per share excluding income on Paycheck Protection Program (“PPP”) loans

totaled $.88 for the first quarter of 2022 compared to $.78 in the first quarter of 2021 and $.84 in

the fourth quarter of 2021.1

• Total loans, excluding PPP loans, grew $165 million or 7.2% on a linked quarter basis

• Total deposits grew $173.4 million or 5.4% on a linked quarter basis

• Non-accrual loans totaled $42.7 million compared to $43.1 million on a linked quarter basis

• Net interest income totaled $102.3 million, an increase of $1.0 million on a linked quarter basis

• Completed legal closing on the acquisition of Level One Bancorp, LLC on April 1, 2022

Mark Hardwick, Chief Executive Officer, stated, “The Bank’s loan, deposit and earnings growth were in line with expectations and my colleagues are focused on delivering our aspirational 2022 plan. The completion of our merger with Level One on April 1st is a milestone in First Merchants history that will propel our Bank into the future. I am proud of our new teammates and the professional winning attitude they exude.”

First Quarter Financial Results:

First Merchants Corporation (the “Corporation) has reported first quarter 2022 net income of $48.6 million compared to $49.5 million during the same period in 2021. Earnings per share for the period totaled $.91 per share compared to the first quarter of 2021 result of $.91 per share.

Total assets equaled $15.5 billion as of March 31, 2022 and loans totaled $9.4 billion. The Corporation experienced organic loan growth of $730.6 million, or 8.5 percent, during the past twelve months. This was offset by the forgiveness of Paycheck Protection Program (“PPP”) loans of $693.1 million, resulting in net loan growth of $37.5 million. PPP loans accounted for $48.7 million of the period end loan portfolio balance. Investments increased $788.4 million, or 21.3 percent, during the year and now total $4.5 billion. Total deposits equaled $12.9 billion as of quarter-end and increased by $954.2 million, or 8.0 percent over the same period in 2021.

The Corporation’s Allowance for Credit Losses – Loans (ACL) totaled $196.0 million as of quarter-end, or 2.09 percent of total loans. Net loan recoveries for the quarter totaled $0.6 million and no provision expense was recorded during the quarter or during the last twelve months. Non-performing assets to total assets were 0.32% for the first quarter of 2022, a decrease of eight basis points compared to 0.40% in the first quarter of 2021.

Net-interest income totaling $102.3 million for the quarter, continued to grow with an increase of $1.0 million, or 4.0 percent, over prior quarter and an increase of $1.9 million, or 1.8 percent compared to the first quarter of 2021. Stated net-interest margin on a tax equivalent basis, totaling 3.03 percent, declined by one basis point compared to the fourth quarter of 2021 and twenty basis points compared to the first quarter of 2021. Net-interest margin excluding the impact of fair value accretion and PPP loans totaled 2.97%, an increase of five basis points compared to 2.92% for the fourth quarter of 2021 and a decline of seven basis points from the first quarter of 2021. During the quarter, net-interest margin expanded nine basis points from growth in the loan and investment portfolios, higher investment portfolio yield and lower funding costs, offset by a decline of four basis points from the impact of a lower day count in the quarter.

Non-interest income, totaling $25.9 million for the quarter, was stable compared to the fourth quarter of 2021 and increased $1.8 million from the first quarter of 2021. Customer-specific line items accounted for $2.3 million of the increase over the first quarter of 2021 driven by higher service charges on deposits, fiduciary and wealth management fees and card payment fees. This was offset by a decline on gains on the sale of loans of $1.8 million driven by lower origination volume.

Non-interest expense totaled $72.3 million for the quarter, a decline of $0.1 million from the fourth quarter of 2021, and an increase of $6.3 million or 9.4% over the first quarter of 2021. The increase over the first quarter of 2021 was primarily due to higher salaries and employee benefits as well as higher FDIC assessments.

The Corporation’s loan to deposit ratio totals 73 percent and loan to asset ratio totals 61 percent. Additionally, the Corporation’s total risk-based capital ratio equaled 13.85 percent, common equity tier 1 capital ratio equaled 11.63 percent, and the tangible common equity ratio totaled 8.31 percent. These ratios continue to reflect the Corporation’s strong liquidity and capital positions.

1 See “Non-GAAP Financial Information” for reconciliation

CONFERENCE CALL

First Merchants Corporation will conduct a first quarter earnings conference call and web cast at 10:00 a.m. (ET) on Tuesday, April 26, 2022.

To participate, dial (Toll Free) 877-806-2932 and reference Conference ID 6838926. International callers please call +1 478-219-0639.

In order to view the webcast and presentation slides, please go to (https://edge.media-server.com/mmc/p/vucpzk7j) during the time of the call. A replay of the webcast will be available until April 26, 2023.

Detailed financial results are reported on the attached pages.

About First Merchants Corporation

First Merchants Corporation is a financial holding company headquartered in Muncie, Indiana. The Corporation has one full-service bank charter, First Merchants Bank. The Bank also operates as First Merchants Private Wealth Advisors and Level One Bank (as divisions of First Merchants Bank).

First Merchants Corporation’s common stock is traded on the NASDAQ Global Select Market System under the symbol FRME. Quotations are carried in daily newspapers and can be found on the company’s Internet web page (http://www.firstmerchants.com).

FIRST MERCHANTS and the Shield Logo are federally registered trademarks of First Merchants Corporation.

Forward-Looking Statements

This release contains forward-looking statements made pursuant to the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements can often, but not always, be identified by the use of words like “believe”, “continue”, “pattern”, “estimate”, “project”, “intend”, “anticipate”, “expect” and similar expressions or future or conditional verbs such as “will”, would”, “should”, “could”, “might”, “can”, “may”, or similar expressions. These statements include statements of First Merchants’ goals, intentions and expectations; statements regarding the First Merchants’ business plan and growth strategies; statements regarding the asset quality of First Merchants’ loan and investment portfolios; and estimates of First Merchants’ risks and future costs and benefits. These forward-looking statements are subject to significant risks, assumptions and uncertainties that may cause results to differ materially from those set forth in forward-looking statements, including, among other things: possible changes in monetary and fiscal policies, and laws and regulations; the effects of easing restrictions on participants in the financial services industry; the cost and other effects of legal and administrative cases; possible changes in the credit worthiness of customers and the possible impairment of collectability of loans; fluctuations in market rates of interest; competitive factors in the banking industry; changes in the banking legislation or regulatory requirements of federal and state agencies applicable to bank holding companies and banks like First Merchants’ affiliate bank; continued availability of earnings and excess capital sufficient for the lawful and prudent declaration of dividends; changes in market, economic, operational, liquidity, credit and interest rate risks associated with the First Merchants’ business; and other risks and factors identified in each of First Merchants’ filings with the Securities and Exchange Commission. First Merchants does not undertake any obligation to update any forward-looking statement, whether written or oral, relating to the matters discussed in this press release. In addition, First Merchants’ past results of operations do not necessarily indicate its anticipated future results.

* * * *


CONSOLIDATED BALANCE SHEETS
(Dollars In Thousands)	March 31,
	2022		2021
ASSETS
Cash and due from banks	$	148,277	$	187,901
Interest-bearing deposits	395,262		392,806
Investment securities, net of allowance for credit losses of $245,000 and $245,000	4,489,263		3,700,857
Loans held for sale	3,938		4,430
Loans	9,356,241		9,318,228
Less: Allowance for credit losses - loans	(195,984)		(201,082)
Net loans	9,160,257		9,117,146
Premises and equipment	105,883		109,432
Federal Home Loan Bank stock	26,422		28,736
Interest receivable	56,081		54,662
Goodwill and other intangibles	569,494		571,536
Cash surrender value of life insurance	291,881		293,766
Other real estate owned	6,271		604
Tax asset, deferred and receivable	73,422		40,163
Other assets	138,807		127,027
TOTAL ASSETS	$	15,465,258	$	14,629,066
LIABILITIES
Deposits:
Noninterest-bearing	$	2,745,235	$	2,494,891
Interest-bearing	10,160,718		9,456,889
Total Deposits	12,905,953		11,951,780
Borrowings:

Securities sold under repurchase agreements	169,697		185,721
Federal Home Loan Bank advances	308,960		359,337
Subordinated debentures and other borrowings	118,677		118,439
Total Borrowings	597,334		663,497
Interest payable	3,589		4,020
Other liabilities	150,749		203,913
Total Liabilities	13,657,625		12,823,210
STOCKHOLDERS' EQUITY
Cumulative Preferred Stock, $1,000 par value, $1,000 liquidation value:
Authorized -- 600 shares
Issued and outstanding - 125 shares	125		125
Common Stock, $.125 stated value:
Authorized -- 100,000,000 shares
Issued and outstanding - 53,424,823 and 53,953,723 shares	6,678		6,744
Additional paid-in capital	987,404		1,007,300
Retained earnings	897,818		755,877
Accumulated other comprehensive income	(84,392)		35,810
Total Stockholders' Equity	1,807,633		1,805,856
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$	15,465,258	$	14,629,066


CONSOLIDATED STATEMENTS OF INCOME	Three Months Ended
(Dollars In Thousands, Except Per Share Amounts)	March 31,
	2022		2021
INTEREST INCOME
Loans receivable:
Taxable	$	79,075	$	85,105
Tax-exempt	5,704		5,339
Investment securities:
Taxable	8,510		6,695
Tax-exempt	15,875		12,385

Deposits with financial institutions	230		114
Federal Home Loan Bank stock	146		178
Total Interest Income	109,540		109,816
INTEREST EXPENSE
Deposits	4,294		6,200
Federal funds purchased	—		2
Securities sold under repurchase agreements	89		87
Federal Home Loan Bank advances	1,218		1,442
Subordinated debentures and other borrowings	1,659		1,657
Total Interest Expense	7,260		9,388
NET INTEREST INCOME	102,280		100,428
Provision for credit losses - loans	—		—
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	102,280		100,428
OTHER INCOME
Service charges on deposit accounts	6,419		5,264
Fiduciary and wealth management fees	7,332		6,422
Card payment fees	5,723		4,367
Net gains and fees on sales of loans	2,199		3,986
Derivative hedge fees	918		317
Other customer fees	410		368
Earnings on cash surrender value of life insurance	1,696		1,336
Net realized gains on sales of available for sale securities	566		1,799
Other income	634		232
Total Other Income	25,897		24,091
OTHER EXPENSES
Salaries and employee benefits	42,519		38,811
Net occupancy	6,187		6,491
Equipment	5,080		5,030
Marketing	736		1,124
Outside data processing fees	4,363		4,244
Printing and office supplies	345		283
Intangible asset amortization	1,366		1,357
FDIC assessments	2,192		1,368
Other real estate owned and foreclosure expenses	564		734
Professional and other outside services	2,953		2,543
Other expenses	6,020		4,113
Total Other Expenses	72,325		66,098
INCOME BEFORE INCOME TAX	55,852		58,421
Income tax expense	7,266		8,952
NET INCOME AVAILABLE TO COMMON STOCKHOLDERS	$	48,586	$	49,469


Per Share Data:
Basic Net Income Available to Common Stockholders	$	0.91	$	0.92
Diluted Net Income Available to Common Stockholders	$	0.91	$	0.91
Cash Dividends Paid	$	0.29	$	0.26
Average Diluted Shares Outstanding (in thousands)	53,616		54,134


FINANCIAL HIGHLIGHTS
(Dollars in thousands)	Three Months Ended
	March 31,
	2022			2021
NET CHARGE-OFFS (RECOVERIES)	$	(587)		$	3,621

AVERAGE BALANCES:
Total Assets	$	15,464,605		$	14,244,739
Total Loans	9,255,928			9,236,421
Total Earning Assets	14,262,777			13,023,318
Total Deposits	12,817,690			11,567,918
Total Stockholders' Equity	1,891,223			1,840,432

FINANCIAL RATIOS:
Return on Average Assets	1.26		%	1.39		%
Return on Average Stockholders' Equity	10.28			10.75
Return on Average Common Stockholders' Equity	10.28			10.75
Average Earning Assets to Average Assets	92.23			91.43
Allowance for Credit Losses - Loans as % of Total Loans	2.09			2.16
Net Charge-offs as % of Average Loans (Annualized)	(0.03)			0.16
Average Stockholders' Equity to Average Assets	12.23			12.92
Tax Equivalent Yield on Average Earning Assets	3.23			3.52
Interest Expense/Average Earning Assets	0.20			0.29
Net Interest Margin (FTE) on Average Earning Assets	3.03			3.23
Efficiency Ratio	52.79			50.23
Tangible Common Book Value Per Share	$	23.26		$	22.98


NON-PERFORMING ASSETS
(Dollars In Thousands)	March 31,			December 31,			September 30,			June 30,			March 31,
	2022			2021			2021			2021			2021
Non-Accrual Loans	$	42,698		$	43,062		$	51,502		$	57,556		$	57,923
Renegotiated Loans	141			329			439			629			655
Non-Performing Loans (NPL)	42,839			43,391			51,941			58,185			58,578
Other Real Estate Owned and Repossessions	6,271			558			698			601			604
Non-Performing Assets (NPA)	49,110			43,949			52,639			58,786			59,182
90+ Days Delinquent	2,085			963			157			183			1,093
NPAs & 90 Day Delinquent	$	51,195		$	44,912		$	52,796		$	58,969		$	60,275

Allowance for Credit Losses - Loans	$	195,984		$	195,397		$	199,972		$	199,775		$	201,082
Quarterly Net Charge-offs (Recoveries)	(587)			4,575			(197)			1,307			3,621
NPAs / Actual Assets %	0.32		%	0.28		%	0.35		%	0.39		%	0.40		%
NPAs & 90 Day / Actual Assets %	0.33		%	0.29		%	0.35		%	0.40		%	0.41		%
NPAs / Actual Loans and OREO %	0.52		%	0.47		%	0.58		%	0.64		%	0.63		%
Allowance for Credit Losses - Loans / Actual Loans (%)	2.09		%	2.11		%	2.21		%	2.19		%	2.16		%
Net Charge-offs as % of Average Loans (Annualized)	(0.03)		%	0.20		%	(0.01)		%	0.06		%	0.16		%


CONSOLIDATED BALANCE SHEETS
(Dollars In Thousands)	March 31,		December 31,		September 30,		June 30,		March 31,
	2022		2021		2021		2021		2021
ASSETS
Cash and due from banks	$	148,277	$	167,146	$	169,261	$	167,596	$	187,901
Interest-bearing deposits	395,262		474,154		369,447		438,863		392,806
Investment securities, net of allowance for credit losses	4,489,263		4,524,353		4,445,516		4,148,314		3,700,857
Loans held for sale	3,938		11,187		5,990		18,582		4,430
Loans	9,356,241		9,241,861		9,041,576		9,121,250		9,318,228
Less: Allowance for credit losses - loans	(195,984)		(195,397)		(199,972)		(199,775)		(201,082)
Net loans	9,160,257		9,046,464		8,841,604		8,921,475		9,117,146
Premises and equipment	105,883		105,655		104,814		103,822		109,432
Federal Home Loan Bank stock	26,422		28,736		28,736		28,736		28,736
Interest receivable	56,081		57,187		53,079		54,173		54,662
Goodwill and other intangibles	569,494		570,860		572,323		573,786		571,536
Cash surrender value of life insurance	291,881		291,041		291,825		294,462		293,766
Other real estate owned	6,271		558		698		601		604
Tax asset, deferred and receivable	73,422		35,641		39,504		36,924		40,163
Other assets	138,807		140,167		137,928		135,763		127,027
TOTAL ASSETS	$	15,465,258	$	15,453,149	$	15,060,725	$	14,923,097	$	14,629,066
LIABILITIES
Deposits:
Noninterest-bearing	$	2,745,235	$	2,709,646	$	2,554,323	$	2,479,853	$	2,494,891
Interest-bearing	10,160,718		10,022,931		9,794,366		9,723,547		9,456,889
Total Deposits	12,905,953		12,732,577		12,348,689		12,203,400		11,951,780
Borrowings:

Securities sold under repurchase agreements	169,697		181,577		183,589		146,904		185,721
Federal Home Loan Bank advances	308,960		334,055		334,149		334,243		359,337
Subordinated debentures and other borrowings	118,677		118,618		118,558		118,498		118,439
Total Borrowings	597,334		634,250		636,296		599,645		663,497
Interest payable	3,589		2,762		3,736		2,929		4,020
Other liabilities	150,749		170,989		203,914		245,323		203,913
Total Liabilities	13,657,625		13,540,578		13,192,635		13,051,297		12,823,210
STOCKHOLDERS' EQUITY
Cumulative Preferred Stock, $1,000 par value, $1,000 liquidation value:
Authorized -- 600 shares
Issued and outstanding	125		125		125		125		125
Common Stock, $.125 stated value:
Authorized -- 100,000,000 shares
Issued and outstanding	6,678		6,676		6,689		6,747		6,744
Additional paid-in capital	987,404		985,818		988,659		1,009,182		1,007,300
Retained earnings	897,818		864,839		832,728		795,666		755,877
Accumulated other comprehensive income	(84,392)		55,113		39,889		60,080		35,810
Total Stockholders' Equity	1,807,633		1,912,571		1,868,090		1,871,800		1,805,856
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$	15,465,258	$	15,453,149	$	15,060,725	$	14,923,097	$	14,629,066


CONSOLIDATED STATEMENTS OF INCOME
(Dollars In Thousands, Except Per Share Amounts)	March 31,			December 31,			September 30,			June 30,			March 31,
	2022			2021			2021			2021			2021
INTEREST INCOME
Loans receivable:
Taxable	$	79,075		$	80,583		$	85,319		$	87,002		$	85,105
Tax-exempt	5,704			5,635			5,591			5,545			5,339
Investment securities:
Taxable	8,510			8,028			7,788			7,440			6,695
Tax-exempt	15,875			15,411			14,464			13,071			12,385

Deposits with financial institutions	230			173			218			129			114
Federal Home Loan Bank stock	146			163			168			88			178
Total Interest Income	109,540			109,993			113,548			113,275			109,816
INTEREST EXPENSE
Deposits	4,294			5,589			5,707			5,823			6,200
Federal funds purchased	—			1			—			2			2
Securities sold under repurchase agreements	89			75			77			75			87
Federal Home Loan Bank advances	1,218			1,389			1,389			1,452			1,442
Subordinated debentures and other borrowings	1,659			1,666			1,660			1,659			1,657
Total Interest Expense	7,260			8,720			8,833			9,011			9,388
NET INTEREST INCOME	102,280			101,273			104,715			104,264			100,428
Provision for credit losses - loans	—			—			—			—			—
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	102,280			101,273			104,715			104,264			100,428
OTHER INCOME
Service charges on deposit accounts	6,419			6,462			6,249			5,596			5,264
Fiduciary and wealth management fees	7,332			7,078			7,352			7,510			6,422
Card payment fees	5,723			3,937			4,156			4,159			4,367
Net gains and fees on sales of loans	2,199			3,423			3,955			8,325			3,986
Derivative hedge fees	918			1,562			1,028			943			317
Other customer fees	410			361			393			368			368
Earnings on cash surrender value of life insurance	1,696			2,051			2,468			1,205			1,336
Net realized gains on sales of available for sale securities	566			358			1,756			1,761			1,799
Other income	634			615			1,144			1,017			232
Total Other Income	25,897			25,847			28,501			30,884			24,091
OTHER EXPENSES
Salaries and employee benefits	42,519			42,432			43,314			42,438			38,811
Net occupancy	6,187			5,644			5,576			5,615			6,491
Equipment	5,080			4,994			4,529			4,848			5,030
Marketing	736			1,840			1,676			1,122			1,124
Outside data processing fees	4,363			4,581			4,794			4,698			4,244
Printing and office supplies	345			356			265			313			283
Intangible asset amortization	1,366			1,463			1,463			1,464			1,357
FDIC assessments	2,192			1,862			1,552			1,461			1,368
Other real estate owned and foreclosure expenses	564			171			(91)			178			734
Professional and other outside services	2,953			3,627			2,767			2,976			2,543
Other expenses	6,020			5,466			5,539			4,182			4,113
Total Other Expenses	72,325			72,436			71,384			69,295			66,098
INCOME BEFORE INCOME TAX	55,852			54,684			61,832			65,853			58,421
Income tax expense	7,266			6,951			9,062			10,294			8,952
NET INCOME AVAILABLE TO COMMON STOCKHOLDERS	$	48,586		$	47,733		$	52,770		$	55,559		$	49,469

Per Share Data:
Basic Net Income Available to Common Stockholders	$	0.91		$	0.89		$	0.98		$	1.03		$	0.92
Diluted Net Income Available to Common Stockholders	$	0.91		$	0.89		$	0.98		$	1.03		$	0.91
Cash Dividends Paid	$	0.29		$	0.29		$	0.29		$	0.29		$	0.26
Average Diluted Shares Outstanding (in thousands)	53,616			53,660			53,960			54,184			54,134
FINANCIAL RATIOS:
Return on Average Assets	1.26		%	1.25		%	1.41		%	1.51		%	1.39		%
Return on Average Stockholders' Equity	10.28			10.10			11.17			12.04			10.75
Return on Average Common Stockholders' Equity	10.28			10.10			11.17			12.04			10.75
Average Earning Assets to Average Assets	92.23			91.86			91.57			91.87			91.43
Allowance for Credit Losses - Loans as % of Total Loans	2.09			2.11			2.21			2.19			2.16
Net Charge-offs (Recoveries) as % of Average Loans (Annualized)	(0.03)			0.20			(0.01)			0.06			0.16
Average Stockholders' Equity to Average Assets	12.23			12.36			12.59			12.51			12.92
Tax Equivalent Yield on Average Earning Assets	3.23			3.29			3.46			3.49			3.52
Interest Expense/Average Earning Assets	0.20			0.25			0.26			0.27			0.29
Net Interest Margin (FTE) on Average Earning Assets	3.03			3.04			3.20			3.22			3.23
Efficiency Ratio	52.79			53.49			51.18			48.91			50.23
Tangible Common Book Value Per Share	$	23.26		$	25.21		$	24.31		$	24.15		$	22.98


LOANS
(Dollars In Thousands)	March 31,		December 31,		September 30,		June 30,		March 31,
	2022		2021		2021		2021		2021
Commercial and industrial loans	$	2,826,660	$	2,714,565	$	2,573,615	$	2,671,076	$	2,876,212
Agricultural land, production and other loans to farmers	209,077		246,442		240,686		235,020		245,631
Real estate loans:
Construction	552,975		523,066		521,889		491,200		541,224
Commercial real estate, non-owner occupied	2,073,197		2,135,459		2,150,387		2,263,497		2,178,832
Commercial real estate, owner occupied	974,521		986,720		952,441		953,501		950,038
Residential	1,226,695		1,159,127		1,154,373		1,127,442		1,239,925
Home equity	512,641		523,754		531,307		489,997		482,229
Individuals' loans for household and other personal expenditures	147,593		146,092		135,093		130,819		126,387
Public finance and other commercial loans	832,882		806,636		781,785		758,698		677,750
Loans	9,356,241		9,241,861		9,041,576		9,121,250		9,318,228
Allowance for credit losses - loans	(195,984)		(195,397)		(199,972)		(199,775)		(201,082)
NET LOANS	$	9,160,257	$	9,046,464	$	8,841,604	$	8,921,475	$	9,117,146


DEPOSITS
(Dollars In Thousands)	March 31,		December 31,		September 30,		June 30,		March 31,
	2022		2021		2021		2021		2021
Demand deposits	$	7,806,033	$	7,704,190	$	7,317,399	$	7,261,603	$	7,245,850
Savings deposits	4,444,417		4,334,802		4,301,483		4,157,552		3,857,624
Certificates and other time deposits of $100,000 or more	252,033		273,379		283,396		304,394		332,745
Other certificates and time deposits	380,293		389,752		404,010		423,922		449,655
Brokered deposits	23,177		30,454		42,401		55,929		65,906
TOTAL DEPOSITS	$	12,905,953	$	12,732,577	$	12,348,689	$	12,203,400	$	11,951,780


CONSOLIDATED AVERAGE BALANCE SHEET AND NET INTEREST MARGIN ANALYSIS
(Dollars in Thousands)
	For the Three Months Ended
	March 31, 2022						March 31, 2021
	Average Balance		Interest Income / Expense		Average Rate		Average Balance		Interest Income / Expense		Average Rate
Assets:

Interest-bearing deposits	$	484,626	$	230	0.19	%	$	441,254	$	114	0.10	%
Federal Home Loan Bank stock	27,914		146		2.09		28,736		178		2.48
Investment Securities: (1)
Taxable	1,957,675		8,510		1.74		1,494,008		6,695		1.79
Tax-Exempt (2)	2,536,634		20,095		3.17		1,822,899		15,677		3.44
Total Investment Securities	4,494,309		28,605		2.55		3,316,907		22,372		2.70
Loans held for sale	4,352		40		3.68		16,139		156		3.87
Loans: (3)
Commercial	6,868,438		64,679		3.77		6,876,818		69,174		4.02
Real Estate Mortgage	924,268		7,840		3.39		975,262		9,286		3.81
Installment	711,038		6,516		3.67		674,307		6,489		3.85
Tax-Exempt (2)	747,832		7,220		3.86		693,895		6,758		3.90
Total Loans	9,255,928		86,295		3.73		9,236,421		91,863		3.98
Total Earning Assets	14,262,777		115,276		3.23	%	13,023,318		114,527		3.52	%
Total Non-Earning Assets	1,201,828						1,221,421
Total Assets	$	15,464,605					$	14,244,739
Liabilities:
Interest-bearing deposits:
Interest-bearing deposits	$	5,027,466	$	2,408	0.19	%	$	4,616,988	$	3,709	0.32	%
Money market deposits	2,514,429		872		0.14		2,086,322		835		0.16
Savings deposits	1,867,411		441		0.09		1,660,528		476		0.11
Certificates and other time deposits	676,661		573		0.34		859,334		1,180		0.55
Total Interest-bearing Deposits	10,085,967		4,294		0.17		9,223,172		6,200		0.27
Borrowings	616,572		2,966		1.92		675,117		3,188		1.89
Total Interest-bearing Liabilities	10,702,539		7,260		0.27		9,898,289		9,388		0.38
Noninterest-bearing deposits	2,731,723						2,344,746
Other liabilities	139,120						161,272
Total Liabilities	13,573,382						12,404,307
Stockholders' Equity	1,891,223						1,840,432
Total Liabilities and Stockholders' Equity	$	15,464,605	7,260				$	14,244,739	9,388
Net Interest Income (FTE)			$	108,016					$	105,139
Net Interest Spread (FTE) (4)					2.96	%					3.14	%

Net Interest Margin (FTE):
Interest Income (FTE) / Average Earning Assets					3.23	%					3.52	%
Interest Expense / Average Earning Assets					0.20	%					0.29	%
Net Interest Margin (FTE) (5)					3.03	%					3.23	%

(1) Average balance of securities is computed based on the average of the historical amortized cost balances without the effects of the fair value adjustments. Annualized amounts are computed using a 30/360 day basis.
(2) Tax-exempt securities and loans are presented on a fully taxable equivalent basis, using a marginal tax rate of 21 percent for 2022 and 2021. These totals equal $5,736 and $4,711 for the three months ended March 31, 2022 and 2021, respectively.
(3) Non accruing loans have been included in the average balances.
(4) Net Interest Spread (FTE) is interest income expressed as a percentage of average earning assets minus interest expense expressed as a percentage of average interest-bearing liabilities.
(5) Net Interest Margin (FTE) is interest income expressed as a percentage of average earning assets minus interest expense expressed as a percentage of average earning assets.


ADJUSTED EPS EXCLUDING PAYCHECK PROTECTION PROGRAM ("PPP") - NON-GAAP
(Dollars In Thousands, Except Per Share Amounts)
	March 31,		December 31,		September 30,		June 30,		March 31,
	2022		2021		2021		2021		2021
Net Income Available to Common Shareholders - GAAP	$	48,586	$	47,733	$	52,770	$	55,559	$	49,469
Adjustments:
PPP loan income	(1,884)		(3,721)		(8,211)		(9,725)		(9,243)
Tax on adjustment	462		912		2,013		2,385		2,266
Adjust Net Income Available to Common Stockholders - Non-GAAP	$	47,164	$	44,924	$	46,572	$	48,219	$	42,492

Average Diluted Shares Outstanding (in thousands)	53,616		53,660		53,960		54,184		54,134

Diluted Earnings Per Share - GAAP	$	0.91	$	0.89	$	0.98	$	1.03	$	0.91
Adjustments:
PPP loan income	(0.04)		(0.07)		(0.15)		(0.18)		(0.17)
Tax on adjustment	0.01		0.02		0.04		0.04		0.04
Adjusted Diluted Earnings Per Share - Non-GAAP	$	0.88	$	0.84	$	0.87	$	0.89	$	0.78

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Document and Entity Information Document	Apr. 26, 2022
Entity Listings [Line Items]
Document Type	8-K
Document Period End Date	Apr. 26, 2022
Entity Registrant Name	FIRST MERCHANTS CORP
Entity Incorporation, State or Country Code	IN
Entity File Number	001-41342
Entity Tax Identification Number	35-1544218
Entity Address, Address Line One	200 East Jackson Street
Entity Address, Address Line Two	P.O. Box 792
Entity Address, City or Town	Muncie
Entity Address, State or Province	IN
Entity Address, Postal Zip Code	47305-2814
City Area Code	765
Local Phone Number	747-1500
Written Communications	false
Soliciting Material	false
Pre-commencement Tender Offer	false
Pre-commencement Issuer Tender Offer	false
Entity Emerging Growth Company	false
Entity Central Index Key	0000712534
Amendment Flag	false
Common Stock, $0.125 stated value per share
Entity Listings [Line Items]
Title of 12(b) Security	Common Stock, $0.125 stated value per share
Trading Symbol	FRME
Security Exchange Name	NASDAQ
Depositary Shares, each representing a 1/100th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series A
Entity Listings [Line Items]
Title of 12(b) Security	Depositary Shares, each representing a 1/100th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series A
Trading Symbol	FRMEP
Security Exchange Name	NASDAQ

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