First Merchants Investor Presentation Deck
Non-GAAP
CAPITAL RATIOS (dollars in thousands):
Total Risk-Based Capital Ratio (dollars in thousands)
Total Stockholders' Equity (GAAP)
Adjust for Accumulated Other Comprehensive (Income) Loss
1
Less: Preferred Stock
Add: Qualifying Capital Securities
Less: Tier 1 Capital Deductions
Less: Disallowed Goodwill and Intangible Assets
Less: Disallowed Deferred Tax Assets
Add: Modified CECL Transition Amount
Total Tier 1 Capital (Regulatory)
Qualifying Subordinated Debentures
Allowance for Loan Losses includible in Tier 2 Capital
Total Risk-Based Capital (Regulatory)
Net Risk-Weighted Assets (Regulatory)
Total Risk-Based Capital Ratio (Regulatory)
Common Equity Tier 1 Capital Ratio
Total Tier 1 Capital (Regulatory)
Less: Qualified Capital Securities
Add: Additional Tier 1 Capital Deductions
Common Equity Tier 1 Capital (Regulatory)
Net Risk-Weighted Assets (Regulatory)
Common Equity Tier 1 Capital Ratio (Regulatory)
3Q21
1,868,090
(39,889)
(125)
46,546
(565,221)
(1,005)
34,542
$ 1,342,938 $
$
65,000
139,200
1,547,138 $
1,342,938 $
(46,546)
$ 11,037,663 $ 14,196,430 $
14.02%
12.84%
1,296,392 $
$ 11,037,663
11.75%
3Q22
1,906,666
314,089
(25,125)
25,000
First Merchants Corporation
Helping you prosper
1,501,611 $
(25,000)
1,476,611 $
4Q22
(740,780)
(738,206)
(1,267)
(337)
23,028
23,028
1,501,611 $ 1,558,281 $ 1,595,971 $
(736,429)
(351)
11,514
143,089
178,490
1,823,190 $
143,103
180,870
1,882,254 $
143,118
182,308
1,921,397 $
14,196,430 $
10.40%
2,034,770
239,151
(25,125)
25,000
14,392,671 $
13.08%
1,558,281 $
(25,000)
1,533,281 $
1Q23
14,392,671 $
10.65%
2,122,448
198,914
(25,125)
25,000
14,524,959 $
13.23%
1,595,971 $
(25,000)
1,570,971 $
14,524,959 $
10.82%
2Q23
2,145,565
217,964
(25,125)
25,000
(734,666)
(258)
11,514
1,639,994 $
143,132
183,106
1,966,232 $
14,590,561 $
13.48%
1,639,994 $
(25,000)
1,614,994 $
14,590,561 $
11.07%
3Q23
2,092,644
307,270
(25,125)
25,000
(732,903)
(192)
11,514
1,678,208
143,147
184,046
2,005,401
14,683,329
13.66%
1,678,208
(25,000)
1,653,208
14,683,329
11.26%
¹ Includes net unrealized gains or losses on securities available for sale, net gains or losses on cash flow hedges, and amounts
resulting from the application of the applicable accounting guidance for the defined benefit and other postretirement plans.
29View entire presentation