frme-20231026

0000712534-23-000289.txt : 20231026 0000712534-23-000289.hdr.sgml : 20231026 20231026080531 ACCESSION NUMBER: 0000712534-23-000289 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20231026 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20231026 DATE AS OF CHANGE: 20231026 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: 231347549 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-20231026.htm 8-K frme-20231026

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): October 26, 2023

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 October 26, 2023, First Merchants Corporation issued a press release to report its financial results for the third quarter ended September 30, 2023. 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 October 26, 2023, 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: October 26, 2023

EXHIBIT INDEX

Exhibit No. Description

99.1 Press Release, dated October 26, 2023, issued by First Merchants Corporation

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

EX-99.1 2 a3q23earningsreleaseex991.htm EX-99.1 Document

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

October 26, 2023

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 THIRD QUARTER 2023 EARNINGS PER SHARE

First Merchants Corporation (NASDAQ - FRME)

Third Quarter 2023 Highlights:

• Net income available to common stockholders was $55.9 million and diluted earnings per common share totaled $0.94, compared to $63.3 million and $1.08 in the third quarter of 2022, and $60.4 million and $1.02 in the second quarter of 2023.

• Strong capital position with Common Equity Tier 1 Capital Ratio of 11.26 percent.

• Total loans grew $4.9 million, or 0.2 percent annualized on a linked quarter basis, and $743.6 million, or 6.4 percent during the last twelve months when excluding the impact of non-relationship based commercial loan sales that occurred during the prior quarter of $116.6 million.

• Total deposits increased $65.4 million, or 1.8 percent annualized on a linked quarter basis, and $211.8 million, or 1.5 percent during the last twelve months.

• Nonaccrual loans totaled $53.1 million compared to $69.2 million on a linked quarter basis.

• The efficiency ratio totaled 53.91 percent for the quarter.

Mark Hardwick, Chief Executive Officer, stated, “First Merchants continued to deliver top quartile operating returns while tactically managing the inflationary, interest rate environment. Our teams are focused on meeting the demands of our customer base while planning for continued 2024 growth and performance.”

Third Quarter Financial Results:

First Merchants Corporation (the “Corporation) has reported third quarter 2023 net income available to common stockholders of $55.9 million compared to $63.3 million during the same period in 2022. Diluted earnings per common share for the period totaled $0.94 per share compared to the third quarter of 2022 result of $1.08 per share.

Total assets equaled $18.0 billion as of quarter-end and loans totaled $12.3 billion. During the past twelve months, total loans grew by $743.6 million, or 6.4 percent and were offset by the non-relationship based commercial loan sale of $116.6 million. On a linked quarter basis, loans grew $4.9 million, or 0.2 percent.

Investments, totaling $3.7 billion, decreased $581.0 million, or 13.5 percent, during the last twelve months and decreased $177.8 million, or 18.3 percent annualized on a linked quarter basis. The decline during the quarter was due to $33.2 million of bond sales, $38.2 million of security paydowns and maturities, and the remainder was due to a decline in valuation of available for sale securities.

Total deposits equaled $14.6 billion as of quarter-end and increased by $211.8 million, or 1.5 percent, over the past twelve months. Total deposits increased $65.4 million, or 1.8 percent annualized on a linked quarter basis. During the quarter, commercial and consumer deposits increased $327.8 million which was offset by a reduction in brokered deposits of $133.6 million and municipal deposits of $128.8 million due to seasonality. The loan to deposit ratio declined slightly to 84.0 percent at period end from 84.3 percent in the prior quarter.

The Corporation’s Allowance for Credit Losses – Loans (ACL) totaled $205.8 million as of quarter-end, or 1.67 percent of total loans, a decrease of $15.4 million from prior quarter. Loan charge-offs, net of recoveries, for the quarter totaled $20.4 million primarily due to the charge-off of a previously reported nonaccrual loan to a syndicated specialty finance company resulting from an apparent fraud that impacted our borrower's ability to repay. Net charge-offs were offset with provision expense for loans recorded during the quarter of $5.0 million. Reserves for unfunded commitments were reduced by $3.0 million during the quarter and now total $20.3 million. Net provision expense for the quarter totaled $2.0 million. Nonperforming assets to total assets were 0.33 percent for the third quarter of 2023, a decrease of 10 basis points compared to 0.43 percent in the prior quarter.

Net interest income, totaling $133.4 million for the quarter, declined $4.5 million, or 3.2 percent, compared to prior quarter and decreased $6.9 million, or 4.9 percent, compared to the third quarter of 2022. Stated net interest margin on a tax equivalent basis totaling 3.29 percent, declined by 10 basis points compared to the second quarter of 2023 and decreased 26 basis points compared to the third quarter of 2022. During the quarter, increased deposit costs and a continued change in deposit mix offset the increase in earning asset yields reducing net interest margin.

Noninterest income, totaling $27.8 million for the quarter, increased $1.5 million, or 5.8 percent, compared to the second quarter of 2023 but decreased $1.8 million from the third quarter of 2022. The increase over second quarter of 2023 was driven primarily by higher gains on the sales of loans.

Noninterest expense totaled $93.9 million for the quarter, an increase of $1.3 million from the second quarter of 2023. The increase was from higher marketing costs and salaries and employee benefits, partially offset by a decline in professional and other outside service fees.

The Corporation’s total risk-based capital ratio equaled 13.66 percent, common equity tier 1 capital ratio equaled 11.26 percent, and the tangible common equity ratio totaled 7.69 percent. These ratios continue to reflect the Corporation’s strong liquidity and capital positions.

CONFERENCE CALL

First Merchants Corporation will conduct a third quarter earnings conference call and web cast at 11:30 a.m. (ET) on Thursday, October 26, 2023.

To access via phone, participants will need to register using the following link where they will be provided a phone number and access code: (https://register.vevent.com/register/BIf859606184ad4e98a66ef43d61469d2c)

In order to view the webcast and presentation slides, please go to (https://edge.media-server.com/mmc/p/t8uajbb8) during the time of the call. A replay of the webcast will be available until October 26, 2024.

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 (as a division 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 (including the ability to grow and maintain core deposits and retain large, uninsured deposits), 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)	September 30,
	2023		2022
ASSETS
Cash and due from banks	$	125,173	$	119,532
Interest-bearing deposits	348,639		179,593
Investment securities, net of allowance for credit losses of $245,000 and $245,000	3,713,724		4,294,768
Loans held for sale	30,972		25,394
Loans	12,271,422		11,650,002
Less: Allowance for credit losses - loans	(205,782)		(226,702)
Net loans	12,065,640		11,423,300
Premises and equipment	132,441		116,306
Federal Home Loan Bank stock	41,797		38,056
Interest receivable	90,011		71,605
Goodwill and other intangibles	741,283		750,713
Cash surrender value of life insurance	306,106		306,932
Other real estate owned	6,480		6,454
Tax asset, deferred and receivable	135,521		142,110
Other assets	258,861		244,222
TOTAL ASSETS	$	17,996,648	$	17,718,985
LIABILITIES
Deposits:
Noninterest-bearing	$	2,554,984	$	3,356,651
Interest-bearing	12,091,592		11,078,174
Total Deposits	14,646,576		14,434,825
Borrowings:
Federal funds purchased	—		185,000
Securities sold under repurchase agreements	152,537		194,482
Federal Home Loan Bank advances	713,384		643,769
Subordinated debentures and other borrowings	158,665		151,301
Total Borrowings	1,024,586		1,174,552
Interest payable	16,473		4,971
Other liabilities	216,369		197,971
Total Liabilities	15,904,004		15,812,319
STOCKHOLDERS' EQUITY
Preferred Stock, $1,000 par value, $1,000 liquidation value:
Authorized -- 600 cumulative shares
Issued and outstanding - 125 cumulative shares	125		125
Preferred Stock, Series A, no par value, $2,500 liquidation preference:
Authorized -- 10,000 non-cumulative perpetual shares
Issued and outstanding - 10,000 non-cumulative perpetual shares	25,000		25,000
Common Stock, $.125 stated value:
Authorized -- 100,000,000 shares
Issued and outstanding - 59,398,022 and 59,145,414 shares	7,425		7,393
Additional paid-in capital	1,234,402		1,226,695
Retained earnings	1,132,962		961,542
Accumulated other comprehensive loss	(307,270)		(314,089)
Total Stockholders' Equity	2,092,644		1,906,666
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$	17,996,648	$	17,718,985


CONSOLIDATED STATEMENTS OF INCOME	Three Months Ended				Nine Months Ended
(Dollars In Thousands, Except Per Share Amounts)	September 30,				September 30,
	2023		2022		2023		2022
INTEREST INCOME
Loans receivable:
Taxable	$	191,705	$	128,504	$	550,314	$	314,366
Tax-exempt	8,288		6,500		23,757		18,194
Investment securities:
Taxable	8,590		10,055		26,563		28,937
Tax-exempt	13,947		17,261		44,296		50,348

Deposits with financial institutions	5,884		704		9,685		1,544
Federal Home Loan Bank stock	719		314		2,281		635
Total Interest Income	229,133		163,338		656,896		414,024
INTEREST EXPENSE
Deposits	85,551		16,644		209,437		29,423
Federal funds purchased	—		418		1,420		494
Securities sold under repurchase agreements	797		372		2,624		595
Federal Home Loan Bank advances	6,896		3,493		20,775		6,485
Subordinated debentures and other borrowings	2,506		2,105		7,303		5,780
Total Interest Expense	95,750		23,032		241,559		42,777
NET INTEREST INCOME	133,383		140,306		415,337		371,247
Provision for credit losses	2,000		—		2,000		16,755
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	131,383		140,306		413,337		354,492
NONINTEREST INCOME
Service charges on deposit accounts	7,975		7,165		23,147		21,274
Fiduciary and wealth management fees	7,394		7,221		22,653		22,187
Card payment fees	4,716		4,776		14,425		15,674
Net gains and fees on sales of loans	5,517		2,543		11,548		7,968
Derivative hedge fees	516		700		2,336		3,062
Other customer fees	384		501		1,643		1,573
Earnings on cash surrender value of life insurance	1,761		6,655		5,145		9,659
Net realized gains (losses) on sales of available for sale securities	(1,650)		481		(4,613)		1,137
Other income (loss)	1,229		(425)		2,874		1,257
Total Noninterest Income	27,842		29,617		79,158		83,791
NONINTEREST EXPENSES
Salaries and employee benefits	55,566		56,002		167,778		154,562
Net occupancy	6,837		6,738		20,770		19,573
Equipment	5,698		5,997		18,005		17,797
Marketing	2,369		2,401		4,780		4,551
Outside data processing fees	6,573		6,827		19,290		16,071
Printing and office supplies	333		472		1,150		1,198
Intangible asset amortization	2,182		2,303		6,561		5,972
FDIC assessments	2,981		2,824		7,117		7,940
Other real estate owned and foreclosure expenses	677		328		1,575		626
Professional and other outside services	3,833		4,461		12,191		17,681
Other expenses	6,805		8,025		20,950		20,045
Total Noninterest Expenses	93,854		96,378		280,167		266,016
INCOME BEFORE INCOME TAX	65,371		73,545		212,328		172,267
Income tax expense	9,005		9,793		31,021		20,938
NET INCOME	56,366		63,752		181,307		151,329
Preferred stock dividends	468		469		1,406		938
NET INCOME AVAILABLE TO COMMON STOCKHOLDERS	$	55,898	$	63,283	$	179,901	$	150,391
Per Share Data:
Basic Net Income Available to Common Stockholders	$	0.95	$	1.08	$	3.04	$	2.63
Diluted Net Income Available to Common Stockholders	$	0.94	$	1.08	$	3.03	$	2.62
Cash Dividends Paid to Common Stockholders	$	0.34	$	0.32	$	1.00	$	0.93
Average Diluted Common Shares Outstanding (in thousands)	59,503		59,339		59,465		57,468


FINANCIAL HIGHLIGHTS
(Dollars in thousands)	Three Months Ended						Nine Months Ended
	September 30,						September 30,
	2023			2022			2023			2022
NET CHARGE-OFFS (RECOVERIES)	$	20,365		$	(427)		$	22,495		$	(751)

AVERAGE BALANCES:
Total Assets	$	18,152,239		$	17,770,623		$	18,115,504		$	17,012,930
Total Loans	12,287,632			11,488,203			12,264,787			10,647,950
Total Earning Assets	16,947,669			16,508,914			16,913,965			15,744,040
Total Deposits	14,735,592			14,577,532			14,627,448			14,074,696
Total Stockholders' Equity	2,154,232			2,018,156			2,126,005			1,977,299

FINANCIAL RATIOS:
Return on Average Assets	1.24		%	1.43		%	1.33		%	1.19		%
Return on Average Stockholders' Equity	10.38			12.54			11.28			10.14
Return on Tangible Common Stockholders' Equity	16.54			20.85			18.10			16.22
Average Earning Assets to Average Assets	93.36			92.90			93.37			92.54
Allowance for Credit Losses - Loans as % of Total Loans	1.67			1.94			1.67			1.94
Net Charge-offs as % of Average Loans (Annualized)	0.66			(0.01)			0.24			(0.01)
Average Stockholders' Equity to Average Assets	11.87			11.36			11.74			11.62
Tax Equivalent Yield on Average Earning Assets	5.55			4.11			5.32			3.66
Interest Expense/Average Earning Assets	2.26			0.56			1.90			0.36
Net Interest Margin (FTE) on Average Earning Assets	3.29			3.55			3.42			3.30
Efficiency Ratio	53.91			53.34			52.60			54.95
Tangible Common Book Value Per Share	$	22.43		$	19.26		$	22.43		$	19.26


NONPERFORMING ASSETS
(Dollars In Thousands)	September 30,			June 30,			March 31,			December 31,			September 30,
	2023			2023			2023			2022			2022
Nonaccrual Loans	$	53,102		$	69,240		$	46,576		$	42,324		$	43,508
Troubled Debt Restructures (TDR)	—			—			—			224			195
Nonperforming Loans (NPL)	53,102			69,240			46,576			42,548			43,703
Other Real Estate Owned and Repossessions	6,480			7,685			7,777			6,431			6,454
Nonperforming Assets (NPA)	59,582			76,925			54,353			48,979			50,157
90+ Days Delinquent	89			428			7,032			1,737			764
NPAs & 90 Day Delinquent	$	59,671		$	77,353		$	61,385		$	50,716		$	50,921

Allowance for Credit Losses - Loans	$	205,782		$	221,147		$	223,052		$	223,277		$	226,702
Quarterly Net Charge-offs (Recoveries)	20,365			1,905			225			2,674			(427)
NPAs / Actual Assets %	0.33		%	0.43		%	0.30		%	0.27		%	0.28		%
NPAs & 90 Day / Actual Assets %	0.33		%	0.43		%	0.34		%	0.28		%	0.29		%
NPAs / Actual Loans and OREO %	0.48		%	0.63		%	0.44		%	0.41		%	0.43		%
Allowance for Credit Losses - Loans / Actual Loans (%)	1.67		%	1.80		%	1.82		%	1.86		%	1.94		%
Net Charge-offs (Recoveries) as % of Average Loans (Annualized)	0.66		%	0.06		%	0.01		%	0.12		%	(0.01)		%


CONSOLIDATED BALANCE SHEETS
(Dollars In Thousands)	September 30,		June 30,		March 31,		December 31,		September 30,
	2023		2023		2023		2022		2022
ASSETS
Cash and due from banks	$	125,173	$	108,975	$	125,818	$	122,594	$	119,532
Interest-bearing deposits	348,639		219,480		352,695		126,061		179,593
Investment securities, net of allowance for credit losses	3,713,724		3,891,491		4,057,389		4,263,788		4,294,768
Loans held for sale	30,972		27,297		9,408		9,094		25,394
Loans	12,271,422		12,270,233		12,241,461		12,003,894		11,650,002
Less: Allowance for credit losses - loans	(205,782)		(221,147)		(223,052)		(223,277)		(226,702)
Net loans	12,065,640		12,049,086		12,018,409		11,780,617		11,423,300
Premises and equipment	132,441		114,402		115,857		117,118		116,306
Federal Home Loan Bank stock	41,797		41,842		41,878		38,525		38,056
Interest receivable	90,011		89,784		85,515		85,070		71,605
Goodwill and other intangibles	741,283		743,465		745,647		747,844		750,713
Cash surrender value of life insurance	306,106		307,020		309,090		308,311		306,932
Other real estate owned	6,480		7,685		7,777		6,431		6,454
Tax asset, deferred and receivable	135,521		113,724		103,070		111,222		142,110
Other assets	258,861		254,161		206,355		221,631		244,222
TOTAL ASSETS	$	17,996,648	$	17,968,412	$	18,178,908	$	17,938,306	$	17,718,985
LIABILITIES
Deposits:
Noninterest-bearing	$	2,554,984	$	2,636,017	$	2,964,355	$	3,173,417	$	3,356,651
Interest-bearing	12,091,592		11,945,138		11,738,932		11,209,328		11,078,174
Total Deposits	14,646,576		14,581,155		14,703,287		14,382,745		14,434,825
Borrowings:
Federal funds purchased	—		—		20		171,560		185,000
Securities sold under repurchase agreements	152,537		152,472		179,067		167,413		194,482
Federal Home Loan Bank advances	713,384		723,480		823,577		823,674		643,769
Subordinated debentures and other borrowings	158,665		151,325		151,312		151,298		151,301
Total Borrowings	1,024,586		1,027,277		1,153,976		1,313,945		1,174,552
Interest payable	16,473		13,595		11,979		7,530		4,971
Other liabilities	216,369		200,820		187,218		199,316		197,971
Total Liabilities	15,904,004		15,822,847		16,056,460		15,903,536		15,812,319
STOCKHOLDERS' EQUITY
Preferred Stock, $1,000 par value, $1,000 liquidation value:
Authorized -- 600 cumulative shares
Issued and outstanding - 125 cumulative shares	125		125		125		125		125
Preferred Stock, Series A, no par value, $2,500 liquidation preference:
Authorized -- 10,000 non-cumulative perpetual shares
Issued and outstanding - 10,000 non-cumulative perpetual shares	25,000		25,000		25,000		25,000		25,000
Common Stock, $.125 stated value:
Authorized -- 100,000,000 shares
Issued and outstanding	7,425		7,412		7,407		7,396		7,393
Additional paid-in capital	1,234,402		1,233,593		1,231,532		1,228,626		1,226,695
Retained earnings	1,132,962		1,097,399		1,057,298		1,012,774		961,542
Accumulated other comprehensive loss	(307,270)		(217,964)		(198,914)		(239,151)		(314,089)
Total Stockholders' Equity	2,092,644		2,145,565		2,122,448		2,034,770		1,906,666
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$	17,996,648	$	17,968,412	$	18,178,908	$	17,938,306	$	17,718,985


CONSOLIDATED STATEMENTS OF INCOME
(Dollars In Thousands, Except Per Share Amounts)	September 30,			June 30,			March 31,			December 31,			September 30,
	2023			2023			2023			2022			2022
INTEREST INCOME
Loans receivable:
Taxable	$	191,705		$	186,256		$	172,353		$	156,102		$	128,504
Tax-exempt	8,288			7,760			7,709			6,930			6,500
Investment securities:
Taxable	8,590			8,886			9,087			9,417			10,055
Tax-exempt	13,947			14,279			16,070			17,033			17,261

Deposits with financial institutions	5,884			3,164			637			959			704
Federal Home Loan Bank stock	719			1,020			542			541			314
Total Interest Income	229,133			221,365			206,398			190,982			163,338
INTEREST EXPENSE
Deposits	85,551			73,201			50,685			33,516			16,644
Federal funds purchased	—			123			1,297			808			418
Securities sold under repurchase agreements	797			979			848			541			372
Federal Home Loan Bank advances	6,896			6,815			7,064			4,932			3,493
Subordinated debentures and other borrowings	2,506			2,412			2,385			2,229			2,105
Total Interest Expense	95,750			83,530			62,279			42,026			23,032
NET INTEREST INCOME	133,383			137,835			144,119			148,956			140,306
Provision for credit losses	2,000			—			—			—			—
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	131,383			137,835			144,119			148,956			140,306
NONINTEREST INCOME
Service charges on deposit accounts	7,975			7,813			7,359			7,097			7,165
Fiduciary and wealth management fees	7,394			7,397			7,862			7,501			7,221
Card payment fees	4,716			4,537			5,172			4,533			4,776
Net gains and fees on sales of loans	5,517			3,632			2,399			2,087			2,543
Derivative hedge fees	516			672			1,148			326			700
Other customer fees	384			742			517			362			501
Earnings on cash surrender value of life insurance	1,761			2,096			1,288			1,515			6,655
Net realized gains (losses) on sales of available for sale securities	(1,650)			(1,392)			(1,571)			57			481
Other income (loss)	1,229			822			823			672			(425)
Total Noninterest Income	27,842			26,319			24,997			24,150			29,617
NONINTEREST EXPENSES
Salaries and employee benefits	55,566			54,753			57,459			52,331			56,002
Net occupancy	6,837			6,674			7,259			6,638			6,738
Equipment	5,698			6,181			6,126			6,148			5,997
Marketing	2,369			1,102			1,309			3,157			2,401
Outside data processing fees	6,573			6,604			6,113			5,611			6,827
Printing and office supplies	333			434			383			390			472
Intangible asset amortization	2,182			2,182			2,197			2,303			2,303
FDIC assessments	2,981			2,740			1,396			2,295			2,824
Other real estate owned and foreclosure expenses	677			916			(18)			197			328
Professional and other outside services	3,833			4,660			3,698			3,961			4,461
Other expenses	6,805			6,347			7,798			6,668			8,025
Total Noninterest Expenses	93,854			92,593			93,720			89,699			96,378
INCOME BEFORE INCOME TAX	65,371			71,561			75,396			83,407			73,545
Income tax expense	9,005			10,699			11,317			12,647			9,793
NET INCOME	56,366			60,862			64,079			70,760			63,752
Preferred stock dividends	468			469			469			468			469
NET INCOME AVAILABLE TO COMMON STOCKHOLDERS	$	55,898		$	60,393		$	63,610		$	70,292		$	63,283
Per Share Data:
Basic Net Income Available to Common Stockholders	$	0.95		$	1.02		$	1.07		$	1.20		$	1.08
Diluted Net Income Available to Common Stockholders	$	0.94		$	1.02		$	1.07		$	1.19		$	1.08
Cash Dividends Paid to Common Stockholders	$	0.34		$	0.34		$	0.32		$	0.32		$	0.32
Average Diluted Common Shares Outstanding (in thousands)	59,503			59,448			59,441			59,384			59,339
FINANCIAL RATIOS:
Return on Average Assets	1.24		%	1.34		%	1.42		%	1.59		%	1.43		%
Return on Average Stockholders' Equity	10.38			11.29			12.21			14.36			12.54
Return on Tangible Common Stockholders' Equity	16.54			18.04			19.82			24.21			20.85
Average Earning Assets to Average Assets	93.36			93.38			93.35			93.66			92.90
Allowance for Credit Losses - Loans as % of Total Loans	1.67			1.80			1.82			1.86			1.94
Net Charge-offs (Recoveries) as % of Average Loans (Annualized)	0.66			0.06			0.01			0.12			(0.01)
Average Stockholders' Equity to Average Assets	11.87			11.78			11.56			10.98			11.36
Tax Equivalent Yield on Average Earning Assets	5.55			5.36			5.06			4.73			4.11
Interest Expense/Average Earning Assets	2.26			1.97			1.48			1.01			0.56
Net Interest Margin (FTE) on Average Earning Assets	3.29			3.39			3.58			3.72			3.55
Efficiency Ratio	53.91			52.21			51.72			48.60			53.34
Tangible Common Book Value Per Share	$	22.43		$	23.34		$	22.93		$	21.45		$	19.26


LOANS
(Dollars In Thousands)	September 30,		June 30,		March 31,		December 31,		September 30,
	2023		2023		2023		2022		2022
Commercial and industrial loans	$	3,490,953	$	3,531,395	$	3,502,204	$	3,437,126	$	3,330,529
Agricultural land, production and other loans to farmers	233,838		230,003		219,598		241,793		221,954
Real estate loans:
Construction	1,022,261		949,918		960,979		835,582		828,923
Commercial real estate, non-owner occupied	2,360,596		2,379,819		2,375,410		2,407,475		2,299,272
Commercial real estate, owner occupied	1,153,707		1,179,739		1,244,117		1,246,528		1,268,567
Residential	2,257,385		2,248,473		2,185,943		2,096,655		1,990,668
Home equity	609,352		614,366		621,354		630,632		621,619
Individuals' loans for household and other personal expenditures	176,523		172,896		172,389		175,211		173,225
Public finance and other commercial loans	966,807		963,624		959,467		932,892		915,245
Loans	12,271,422		12,270,233		12,241,461		12,003,894		11,650,002
Allowance for credit losses - loans	(205,782)		(221,147)		(223,052)		(223,277)		(226,702)
NET LOANS	$	12,065,640	$	12,049,086	$	12,018,409	$	11,780,617	$	11,423,300


DEPOSITS
(Dollars In Thousands)	September 30,		June 30,		March 31,		December 31,		September 30,
	2023		2023		2023		2022		2022
Demand deposits	$	7,952,040	$	8,045,455	$	8,422,387	$	8,448,797	$	8,534,950
Savings deposits	4,572,162		4,530,255		4,499,487		4,657,140		5,054,490
Certificates and other time deposits of $100,000 or more	1,280,607		1,160,303		1,040,379		742,539		443,588
Other certificates and time deposits	761,196		680,965		574,886		468,712		381,365
Brokered certificates of deposits	80,571		164,177		166,148		65,557		20,432
TOTAL DEPOSITS	$	14,646,576	$	14,581,155	$	14,703,287	$	14,382,745	$	14,434,825


CONSOLIDATED AVERAGE BALANCE SHEET AND NET INTEREST MARGIN ANALYSIS
(Dollars in Thousands)
	For the Three Months Ended
	September 30, 2023						September 30, 2022
	Average Balance		Interest Income / Expense		Average Rate		Average Balance		Interest Income / Expense		Average Rate
ASSETS

Interest-bearing deposits	$	502,967	$	5,884	4.68	%	$	190,434	$	704	1.48	%
Federal Home Loan Bank stock	41,826		719		6.88		38,089		314		3.30
Investment Securities: (1)
Taxable	1,817,219		8,590		1.89		2,091,608		10,055		1.92
Tax-exempt (2)	2,298,025		17,655		3.07		2,700,580		21,849		3.24
Total Investment Securities	4,115,244		26,245		2.55		4,792,188		31,904		2.66
Loans held for sale	24,227		386		6.37		20,039		266		5.74
Loans: (3)
Commercial	8,456,527		153,993		7.28		8,177,895		103,227		5.05
Real estate mortgage	2,079,067		21,618		4.16		1,666,173		14,701		3.53
Installment	827,318		15,708		7.59		813,112		10,310		5.07
Tax-exempt (2)	900,493		10,491		4.66		810,984		8,228		4.06
Total Loans	12,287,632		202,196		6.58		11,488,203		136,732		4.76
Total Earning Assets	16,947,669		235,044		5.55	%	16,508,914		169,654		4.11	%
Total Non-Earning Assets	1,204,570						1,261,709
TOTAL ASSETS	$	18,152,239					$	17,770,623
LIABILITIES
Interest-Bearing Deposits:
Interest-bearing deposits	$	5,425,829	$	37,780	2.79	%	$	5,184,087	$	8,723	0.67	%
Money market deposits	2,923,798		23,607		3.23		3,096,423		5,390		0.70
Savings deposits	1,641,338		3,844		0.94		1,978,596		1,538		0.31
Certificates and other time deposits	2,106,910		20,320		3.86		857,033		993		0.46
Total Interest-Bearing Deposits	12,097,875		85,551		2.83		11,116,139		16,644		0.60
Borrowings	1,032,180		10,199		3.95		1,013,893		6,388		2.52
Total Interest-Bearing Liabilities	13,130,055		95,750		2.92		12,130,032		23,032		0.76
Noninterest-bearing deposits	2,637,717						3,461,393
Other liabilities	230,235						161,042
Total Liabilities	15,998,007						15,752,467
STOCKHOLDERS' EQUITY	2,154,232						2,018,156
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$	18,152,239	95,750				$	17,770,623	23,032
Net Interest Income (FTE)			$	139,294					$	146,622
Net Interest Spread (FTE) (4)					2.63	%					3.35	%

Net Interest Margin (FTE):
Interest Income (FTE) / Average Earning Assets					5.55	%					4.11	%
Interest Expense / Average Earning Assets					2.26	%					0.56	%
Net Interest Margin (FTE) (5)					3.29	%					3.55	%

(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 2023 and 2022. These totals equal $5,911 and $6.316 for the three months ended September 30, 2023 and 2022, 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.



CONSOLIDATED AVERAGE BALANCE SHEET AND NET INTEREST MARGIN ANALYSIS
(Dollars in Thousands)
	For the Nine Months Ended
	September 30, 2023						September 30, 2022
	Average Balance		Interest Income / Expense		Average Rate		Average Balance		Interest Income / Expense		Average Rate
Assets:

Interest-bearing deposits	$	340,887	$	9,685	3.79	%	$	333,818	$	1,544	0.62	%
Federal Home Loan Bank stock	41,160		2,281		7.39		34,742		635		2.44
Investment Securities: (1)
Taxable	1,872,267		26,563		1.89		2,079,983		28,937		1.85
Tax-exempt (2)	2,394,864		56,071		3.12		2,647,547		63,732		3.21
Total Investment Securities	4,267,131		82,634		2.58		4,727,530		92,669		2.61
Loans held for sale	22,398		1,046		6.23		19,020		622		4.36
Loans: (3)
Commercial	8,515,148		444,422		6.96		7,731,591		253,770		4.38
Real estate mortgage	2,008,852		60,354		4.01		1,350,969		35,199		3.47
Installment	833,133		44,492		7.12		765,960		24,775		4.31
Tax-exempt (2)	885,256		30,072		4.53		780,410		23,030		3.93
Total Loans	12,264,787		580,386		6.31		10,647,950		337,396		4.22
Total Earning Assets	16,913,965		674,986		5.32	%	15,744,040		432,244		3.66	%
Total Non-Earning Assets	1,201,539						1,268,890
Total Assets	$	18,115,504					$	17,012,930
Liabilities:
Interest-Bearing deposits:
Interest-bearing deposits	$	5,412,482	$	97,016	2.39	%	$	5,195,249	$	15,699	0.40	%
Money market deposits	2,812,891		55,868		2.65		2,880,603		8,392		0.39
Savings deposits	1,730,110		10,693		0.82		1,937,761		2,895		0.20
Certificates and other time deposits	1,821,408		45,860		3.36		828,158		2,437		0.39
Total Interest-Bearing Deposits	11,776,891		209,437		2.37		10,841,771		29,423		0.36
Borrowings	1,144,368		32,122		3.74		817,894		13,354		2.18
Total Interest-Bearing Liabilities	12,921,259		241,559		2.49		11,659,665		42,777		0.49
Noninterest-bearing deposits	2,850,557						3,232,925
Other liabilities	217,683						143,041
Total Liabilities	15,989,499						15,035,631
Stockholders' Equity	2,126,005						1,977,299
Total Liabilities and Stockholders' Equity	$	18,115,504	241,559				$	17,012,930	42,777
Net Interest Income (FTE)			$	433,427					$	389,467
Net Interest Spread (FTE) (4)					2.83	%					3.17	%

Net Interest Margin (FTE):
Interest Income (FTE) / Average Earning Assets					5.32	%					3.66	%
Interest Expense / Average Earning Assets					1.90	%					0.36	%
Net Interest Margin (FTE) (5)					3.42	%					3.30	%

(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 2023 and 2022. These totals equal $18,090 and $18,220 for the nine months ended September 30, 2023 and 2022, 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") AND ACQUISITION-RELATED EXPENSES - NON-GAAP
(Dollars In Thousands, Except Per Share Amounts)	Three Months Ended										Nine Months Ended
	September 30,		June 30,		March 31,		December 31,		September 30,		September 30,		September 30,
	2023		2023		2023		2022		2022		2023		2022
Net Income Available to Common Stockholders - GAAP	$	55,898	$	60,393	$	63,610	$	70,292	$	63,283	$	179,901	$	150,391
Adjustments:
PPP loan income	(8)		(9)		(25)		(109)		(323)		(42)		(3,098)
Acquisition-related expenses	—		—		—		413		3,417		—		16,118
Acquisition-related provision expense	—		—		—		—		—		—		16,755
Tax on adjustment	2		2		6		(75)		(759)		10		(7,301)
Adjusted Net Income Available to Common Stockholders - Non-GAAP	$	55,892	$	60,386	$	63,591	$	70,521	$	65,618	$	179,869	$	172,865

Average Diluted Common Shares Outstanding (in thousands)	59,503		59,448		59,441		59,384		59,339		59,465		57,468

Diluted Earnings Per Common Share - GAAP	$	0.94	$	1.02	$	1.07	$	1.19	$	1.08	$	3.03	$	2.62
Adjustments:
PPP loan income	—		—		—		(0.01)		—		—		(0.05)
Acquisition-related expenses	—		—		—		0.01		0.05		—		0.27
Acquisition-related provision expense	—		—		—		—		—		—		0.30
Tax on adjustment	—		—		—		—		(0.01)		—		(0.13)
Adjusted Diluted Earnings Per Common Share - Non-GAAP	$	0.94	$	1.02	$	1.07	$	1.19	$	1.12	$	3.03	$	3.01


RETURN ON TANGIBLE COMMON EQUITY - NON-GAAP
(Dollars In Thousands)	Three Months Ended															Nine Months Ended
	September 30,			June 30,			March 31,			December 31,			September 30,			September 30,			September 30,
	2023			2023			2023			2022			2022			2023			2022
Total Average Stockholders' Equity (GAAP)	$	2,154,232		$	2,139,877		$	2,083,125		$	1,958,041		$	2,018,156		$	2,126,005		$	1,977,299
Less: Average Preferred Stock	(25,125)			(25,125)			(25,125)			(25,125)			(25,125)			(25,125)			(16,792)
Less: Average Intangible Assets, Net of Tax	(735,787)			(737,489)			(739,190)			(741,632)			(744,069)			(737,476)			(685,707)
Average Tangible Common Equity, Net of Tax (Non-GAAP)	$	1,393,320		$	1,377,263		$	1,318,810		$	1,191,284		$	1,248,962		$	1,363,404		$	1,274,800

Net Income Available to Common Stockholders (GAAP)	$	55,898		$	60,393		$	63,610		$	70,292		$	63,283		$	179,901		$	150,391
Plus: Intangible Asset Amortization, Net of Tax	1,724			1,724			1,734			1,819			1,819			5,182			4,718
Tangible Net Income (Non-GAAP)	$	57,622		$	62,117		$	65,344		$	72,111		$	65,102		$	185,083		$	155,109

Return on Tangible Common Equity (Non-GAAP)	16.54		%	18.04		%	19.82		%	24.21		%	20.85		%	18.10		%	16.22		%

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Document and Entity Information Document	Oct. 26, 2023
Entity Listings [Line Items]
Document Type	8-K
Document Period End Date	Oct. 26, 2023
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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