Financial insights of IBCP

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Interest and fees on loans	922,225
Interest income, securities, operating, taxable	79,268
Non-taxable interest and dividends on securities	345
Interest on loans held for sale	796
Interest on federal funds sold and short-term investments	19,766
Total interest and dividend income	1,022,400
Interest on deposits	274,396
Interest on borrowings	39,173
Total interest expense	313,569
Net interest income	708,831
Provision for loan and lease losses	65,469
Net interest income after provision for credit losses	643,362
Deposit account fees	32,141
Interchange and atm fees	20,989
Investment banking, advisory, brokerage, and underwriting fees and commissions	50,045
Fees and commission mortgage banking	4,531
Increase in cash surrender value of life insurance policies	9,434
Gain realized on life insurance policies	1,965
Derivative, gain (loss) on derivative, net	3,564
Other non-interest income	26,020
Total non-interest income	148,689
Salaries and employee benefits	287,499
Occupancy and equipment expenses	57,596
Data processing& facilities management	11,180
Software maintenance	24,216
Fdic assessment	12,500
Debit card expense	8,492
Consulting expense	6,613
Cost, amortization	16,910
Merger and acquisition expense	39,635
Other non-interest expenses	65,240
Total non-interest expenses	529,881
Income before income taxes	262,170
Income tax benefit	57,048
Net income	205,122

Basic EPS	4.44
Diluted EPS	4.44
Basic Average Shares	46,169,692
Diluted Average Shares	46,191,082