German American Q1 adj EPS $0.79; closes Heartland merger; declares $0.29 dividend

GERMAN AMERICAN BANCORP, INC.

2025-Q1 EPS reported $0.30 revenue$111,056,000

GAAP net income $10.5M ($0.30/share) includes $16.8M after-tax merger costs.
Adjusted net income $27.3M ($0.79/share) vs $23.4M ($0.79) in Q4 2024.
Net interest margin expanded 42 bps to 3.96% (24 bps from loan accretion).
Closed Heartland merger Feb 1, 2025; assets grew to $8.42B, loans up $1.52B.
Regular cash dividend $0.29/share, payable May 20, 2025, record May 10.

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