Financial insights of IBCP

MyFinsight

Income Overview

Net Income
$79,919K
EPS
$1.63
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Tax-exempt	NaN	NaN	2,767	2,773
Other investments	NaN	NaN	1,538	774
Interest and fees on loans	260,982	744,839*	61,325	59,535
Interest income, securities, operating, taxable	25,260	68,084*	3,660	3,796
Non-taxable interest and dividends on securities	114	86*	NaN	NaN
Interest on loans held for sale	252	199*	NaN	NaN
Interest on federal funds sold and short-term investments	3,657	4,942*	NaN	NaN
Total interest and dividend income	290,265	818,150*	69,290	66,878
Interest on deposits	66,935	210,745*	21,972	20,462
Interest on borrowings	10,871	33,536*	1,957	1,801
Interest expense, operating, total	77,806	244,281*	23,929	22,263
Net interest income	212,459	573,869*	45,361	44,615
Provision for loan and lease losses	5,500	60,233*	1,991	1,500
Net interest income after provision for credit losses	206,959	513,636*	43,370	43,115
Interchange income	NaN	NaN	4,157	3,390
Service charges on deposit accounts	NaN	NaN	3,131	2,981
Mortgage loans	NaN	NaN	1,474	1,631
Equity securities at fair value	NaN	NaN	0	0
Securities available for sale	NaN	NaN	-36	11
Deposit account fees	9,249	8,035*	NaN	NaN
Mortgage loan servicing, net	NaN	NaN	74	490
Interchange and atm fees	5,018	5,247*	NaN	NaN
Investment banking, advisory, brokerage, and underwriting fees and commissions	14,165	12,511*	NaN	NaN
Mortgage banking income	1,270	1,133*	NaN	NaN
Bank owned life insurance income	2,712	8,558*	NaN	NaN
Gain realized on life insurance policies	346	491*	NaN	NaN
Loan level derivative income	910	891*	NaN	NaN
Other non-interest income	6,592	76,929*	3,137	2,822
Total non-interest income	40,262	113,796*	11,937	11,325
Communications	NaN	NaN	465	470
Advertising	NaN	NaN	526	833
Salaries and employee benefits	80,737	276,459*	21,125	21,123
Furniture, fixtures and equipment	NaN	NaN	892	793
Loan and collection	NaN	NaN	618	744
Interchange expense	NaN	NaN	1,180	1,177
Data processing	NaN	NaN	3,784	3,847
Occupancy and equipment expenses	17,306	51,337*	2,127	2,046
Data processing& facilities management	3,259	2,795*	NaN	NaN
Software maintenance	7,068	6,054*	NaN	NaN
Fdic assessment	3,328	10,622*	615	637
Debit card expense	2,402	2,123*	NaN	NaN
Consulting expense	NaN	4,840*	682	500
Cost, amortization	NaN	4,228*	NaN	NaN
Amortization of intangible assets	6,890	NaN	NaN	NaN
Business combination, acquisition-related cost, expense	3,024	9,909*	NaN	NaN
Other non-interest expenses	18,904	59,677*	2,117	1,592
Total non-interest expenses	142,918	428,042*	34,131	33,762
Income before income taxes	104,303	199,390*	21,176	20,678
Income tax benefit	NaN	45,836*	3,674	3,801
Current federal, state and local, tax expense (benefit)	24,384	NaN	NaN	NaN
Net income	79,919	153,554	17,502	16,877

Basic EPS	1.63	1.582	0.85	0.81
Diluted EPS	1.63	3.324	0.84	0.81
Basic Average Shares	48,970,060	97,057,076	20,702,000	20,750,000
Diluted Average Shares	48,999,745	46,191,082	NaN	NaN

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$79,919K
EPS
$1.63
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income
$79,919K
EPS
$1.63
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$79,919KEPS$1.63Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$79,919KEPS$1.63Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$79,919K
EPS
$1.63
Unit: Thousand (K) dollars

Net Income
$79,919K
EPS
$1.63
Unit: Thousand (K) dollars