<SEC-DOCUMENT>0001171843-17-006309.txt : 20171026
<SEC-HEADER>0001171843-17-006309.hdr.sgml : 20171026
<ACCEPTANCE-DATETIME>20171026083512
ACCESSION NUMBER:		0001171843-17-006309
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20171026
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20171026
DATE AS OF CHANGE:		20171026

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST MID ILLINOIS BANCSHARES INC
		CENTRAL INDEX KEY:			0000700565
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				371103704
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-36434
		FILM NUMBER:		171154858

	BUSINESS ADDRESS:	
		STREET 1:		1515 CHARLESTON AVE
		STREET 2:		PO BOX 499
		CITY:			MATTOON
		STATE:			IL
		ZIP:			61938
		BUSINESS PHONE:		2172347454

	MAIL ADDRESS:	
		STREET 1:		1515 CHARLESTON AVENUE
		STREET 2:		PO BOX 499
		CITY:			MATTOON
		STATE:			IL
		ZIP:			61938

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FIRST-MID ILLINOIS BANCSHARES INC
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>f8k_102517.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<html><head><title></title></head><body><div style="margin-top: 3pt; margin-bottom: 12pt;"><div style="font-size: 1pt; border-top: Black 2.5pt solid; border-bottom: Black 1.1pt solid; width: 100%;"><font style="font-size: 10pt;">&#160;</font></div></div><p style="text-align: center;"><font style="font-size: 14pt;"><strong>UNITED STATES</strong><br><strong>SECURITIES AND EXCHANGE COMMISSION</strong><br><strong>Washington, D.C. 20549</strong><br>_____________________</font></p><p style="text-transform: uppercase; text-align: center;"><font style="font-size: 14pt;"><strong>Form 8-K</strong><br>_____________________</font></p><p style="text-align: center;"><font style="font-size: 12pt;"><strong>CURRENT REPORT</strong></font></p><p style="text-align: center;"><font style="font-size: 12pt;"><strong>Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</strong></font></p><p align="center"><font style="font-size: 10pt;">Date of Report (Date of earliest event Reported): <!--October 26, 2017-->October 26, 2017 &#160;</font></p><p align="center"><font style="font-size: 12pt;"><strong>FIRST MID-ILLINOIS BANCSHARES, INC.</strong></font><br><font style="font-size: 10pt;">(Exact Name of Registrant as Specified in Charter)</font></p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td align="center" width="33%"><font style="font-size: 10pt;"><strong>Delaware</strong></font></td><td align="center" width="34%"><font style="font-size: 10pt;"><strong>0-13368</strong></font></td><td align="center" width="33%"><font style="font-size: 10pt;"><strong>37-1103704</strong></font></td></tr><tr valign="top"><td align="center" width="33%"><font style="font-size: 10pt;">(State or Other Jurisdiction of Incorporation)</font></td><td align="center" width="34%"><font style="font-size: 10pt;">(Commission File Number)</font></td><td align="center" width="33%"><font style="font-size: 10pt;">(I.R.S. 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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>exh_991.htm
<DESCRIPTION>PRESS RELEASE
<TEXT>
<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN"><html lang="en-US"><head><title>EdgarFiling</title><meta content="text/html; charset=windows-1252"><meta name="GENERATOR" content="MSHTML 8.00.7601.18094"></head><body bgcolor="#ffffff"><p style="text-align: right;"><strong>EXHIBIT 99.1</strong></p><p style="text-align: center;"><strong>First Mid-Illinois Bancshares, Inc. Announces Third Quarter 2017 Results</strong></p><p style="text-align: center;"><p>
 <p align="left">MATTOON, Ill., Oct.  26, 2017  (GLOBE NEWSWIRE) -- First Mid-Illinois Bancshares, Inc. (NASDAQ:FMBH) (the &#8220;Company&#8221;) today announced its financial results for the quarter and year-to-date period ended September 30, 2017.</p>  <p><strong>Highlights</strong></p>  <ul type="disc"><li><strong>Delivered Year-Over-Year Growth in Net Income and Earnings Per Share of 43.1% and 19.6%, respectively &#160;</strong></li><li><strong>Total Loans increased $41.9 million, or 2.3% in the Quarter </strong></li><li><strong>Board of Directors Increases Semi-Annual Dividend by $0.02, or 6.3%</strong></li></ul>  <p><strong><u>Third Quarter Financial Summary</u></strong></p>  <ul type="disc"><li>Net income of $7.6 million, or $0.61 diluted earnings per share</li><li>Net interest income of $22.9 million</li><li>Non-interest income of $7.7 million</li><li>Return on average assets of 1.08%</li></ul>  <p>&#8220;We are pleased with our third quarter results and the ongoing success of our strategic initiatives,&#8221; said Joe Dively, Chairman and Chief Executive Officer. &#160;&#8220;Our third quarter results reflect solid growth in earnings and a strong quarter of loan growth, continuing the positive momentum we have built throughout the year and positioning us well for the future.&#160; We continued to improve our overall capital position and the Board of Directors increased the semi-annual dividend.&#160; The results in the quarter and our ongoing success reflect our commitment to customers, shareholders and the communities we serve.&#8221;</p>  <p><strong>Net Interest Income </strong></p>  <p>Net interest income for the third quarter of 2017 decreased by $1.1 million, or 4.5% compared to the second quarter of 2017.&#160; The decrease was primarily driven by $1.2 million in accelerated accretion income recognized in the second quarter versus $0.1 million in the current quarter.&#160; Excluding the accelerated accretion, net interest income was consistent with the prior quarter on growth in loan income offset by a decline in investment income.&#160; The balance in the investment portfolio was lower as securities were sold to fund loan growth.</p>  <p>In comparison to the third quarter of 2016, net interest income increased by $5.3 million, or 29.8%.&#160; The increase was primarily attributable to the growth in earning assets, increased interest rates and the First Clover Leaf acquisition, which closed on September 8, 2016. &#160;&#160;</p>  <p><strong>Net Interest Margin</strong></p>  <p>Net interest margin, on a tax equivalent basis, was 3.68% for the third quarter compared to 3.84% in the prior quarter and 3.40% in the third quarter last year.&#160; The second quarter included $1.2 million in accelerated accretion income.&#160; The year-over-year increase in the ratio was due to higher yields on loans and investments, which outpaced the increase in our cost of funds.&#160; In addition, accretion income associated with the First Clover Leaf acquisition helped drive the margin higher.&#160; On a year-to-date basis, the net interest margin was 3.68% compared to 3.38% for the same period last year.</p>  <p><strong>Loan Portfolio</strong></p>  <p>Total loans increased by $41.9 million in the quarter and ended at $1.87 billion compared to $1.83 billion at the end of the prior quarter.&#160; The Company continued to maintain a well-diversified loan portfolio.&#160; The increase was mostly in the categories of commercial and industrial and commercial real estate.&#160; Loans increased by $60.8 million compared to the third quarter of 2016 driven by organic growth.&#160; &#160;&#160;</p>  <p><strong>Asset Quality </strong></p>  <p>At September 30, 2017, nonperforming loans were 1.06% of total loans compared to 0.94% at June 30, 2017. &#160;The Company&#8217;s allowance for loan losses was 1.00% of total loans at the end of the third quarter, which was the same as the prior quarter.&#160; &#160;The allowance for loan losses to non-performing loans was 93.9% at September 30, 2017 versus 106.3% at June 30, 2017.&#160; Non-performing loans were $19.8 million, which was an increase of $2.7 million versus the prior quarter.&#160; &#160;&#160;&#160;&#160;</p>  <p>Net charge-offs improved to $1.1 million during the third quarter compared to $1.5 million for the second quarter 2017.&#160; The Company recorded a provision for loan losses of $1.5 million during the third quarter compared to $1.8 million during the second quarter of 2017.&#160; The decrease was primarily related to lower net charge-offs, partially offset by loan growth. 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(&#8220;First Mid Bank&#8221;), Mid-Illinois Data Services, Inc., and First Mid Insurance Group. &#160;Our mission is to fulfill the financial needs of our communities with exceptional personal service, professionalism and integrity, and deliver meaningful value and results for customers and shareholders.&#160; <br> <br>First Mid Bank was first chartered in 1865 and has since grown into a $2.8 billion community-focused organization that provides financial services through a network of 52 banking centers in 37 Illinois and Missouri communities. &#160;More information about the Company is available on our website at www.firstmid.com. &#160;Our stock is traded in The NASDAQ Stock Market LLC under the ticker symbol &#8220;FMBH&#8221;.<br><br> <strong>Forward Looking Statements:</strong> This news release contains forward-looking statements about First Mid-Illinois Bancshares, Inc. for which the Company claims protection of the safe harbor provisions contained in the Private Securities Litigation Reform Act of 1995. &#160;Forward-looking statements, which are based on certain assumptions and describe future plans, strategies and expectations of the Company, are identified by use of the words &#8220;believe,&#8221; &#8220;expect,&#8221; &#8220;intend,&#8221; &#8220;anticipate,&#8221; &#8220;estimate,&#8221; &#8220;project,&#8221; or similar expressions. &#160;Actual results could differ materially from the results indicated by these statements because the realization of those results is subject to many risks and uncertainties, including those described in Item 1A &#8211; &#8220;Risk Factors&#8221; and other sections of the Company&#8217;s Annual Report on Form 10-K and the Company&#8217;s other filings with the SEC. &#160;Furthermore, forward-looking statements speak only as of the date they are made. &#160;Except as required under the federal securities laws or the rules and regulations of the SEC, we do not undertake any obligations to update or review any forward-looking information, whether as a result of new information, future events or otherwise.</p>  <p><strong>Non-GAAP Measures:&#160; </strong>In addition to reports presented in accordance with generally accepted accounting principles (&#8220;GAAP&#8221;), this release contains certain non-GAAP financial measures.&#160; The Company believes that such non-GAAP financial measures provide investors with information useful in understanding the Company&#8217;s financial performance.&#160; Readers of this release, however, are urged to review these non-GAAP financial measures in conjunction with the GAAP results as reported.&#160; These non-GAAP financial measures are detailed as supplemental tables and include &#8220;Net Interest Margin, tax equivalent,&#8221; Tangible Book Value per Common Share,&#8221; and &#8220;Common Equity Tier 1 Capital to Risk Weighted Assets&#8221;.&#160; While the Company believes these non-GAAP financial measures provide investors with a broader understanding of the capital adequacy, funding profile and financial trends of the Company, this information should be considered as supplemental in nature and not as a substitute to the related financial information prepared in accordance with GAAP.&#160; These non-GAAP financial measures may also differ from the similar measures presented by other companies. &#160;&#160;&#160;</p>  <p><strong>Investor Contact:&#160; 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vertical-align: bottom ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 21,384</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 16,542</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 64,547</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; 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">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">2,549</td></tr><tr><td style="vertical-align: bottom ; ">Brokerage commissions</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">536</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: bottom; 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text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">670</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">738</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">3,148</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">2,806</td></tr><tr><td style="vertical-align: bottom ; ">Service charges</td><td style="vertical-align: bottom ; 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">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">4,977</td></tr><tr><td style="vertical-align: bottom ; ">Securities gains, net</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">254</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">466</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">589</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">1,130</td></tr><tr><td colspan="2" style="vertical-align: bottom ; ">Mortgage banking revenues</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; 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vertical-align: bottom ; ">8,077</td></tr><tr><td style="vertical-align: bottom ; "><strong>Net income</strong></td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; "><strong>&#160;</strong></td><td style="vertical-align: bottom ; "><strong>&#160;</strong></td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; "><strong>$</strong></td><td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-left: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; "><strong>&#160; 7,595 </strong></td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-top: solid black 1pt ; border-bottom: double black 3pt ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; "><strong>$</strong></td><td style="border-top: solid black 1pt ; 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</TEXT>
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</SEC-DOCUMENT>
