Business Description
German American Bancorp, Inc., is a NASDAQ-traded bank holding company based
in Jasper, Indiana. On March 1, 2016, the Company completed its acquisition
of River Valley Bancorp ("River Valley"), and its subsidiaries, including
River Valley Financial Bank. After the acquisition of River Valley, German American,
through its banking subsidiary German American Bancorp, operates 51 banking
offices in 19 contiguous southern Indiana counties and one northern Kentucky
county. The Company also owns an investment brokerage subsidiary (German American
Investment Services, Inc.) and a full line property and casualty insurance agency
(German American Insurance, Inc.).
Substantially all of the Company’s revenues are derived from customers
located in, and substantially all of its assets are located in, the United States.
The Company is subject to regulation and supervision by the Board of Governors
of the Federal Reserve System (“FRB”) under the Bank Holding Company
Act of 1956, as amended (“BHC Act”), and is required to file with
the FRB annual reports and such additional information as the FRB may require.
The FRB may also make examinations or inspections of the Company. The Bank is
under the supervision of and subject to examination by the Indiana Department
of Financial Institutions (“DFI”), and the Federal Deposit Insurance
Corporation (“FDIC”). Regulation and examination by banking regulatory
agencies are primarily for the benefit of depositors rather than shareholders.
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