Financial insights of IBCP

MyFinsight

For the quarter ending 2026-03-31.

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	-	-	2,767	2,773
Other investments	-	-	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*	-	-
Interest on loans held for sale	252	199*	-	-
Interest on federal funds sold and short-term investments	3,657	4,942*	-	-
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	-	-	4,157	3,390
Service charges on deposit accounts	-	-	3,131	2,981
Mortgage loans	-	-	1,474	1,631
Equity securities at fair value	-	-	0	0
Securities available for sale	-	-	-36	11
Deposit account fees	9,249	8,035*	-	-
Mortgage loan servicing, net	-	-	74	490
Interchange and atm fees	5,018	5,247*	-	-
Investment banking, advisory, brokerage, and underwriting fees and commissions	14,165	12,511*	-	-
Mortgage banking income	1,270	1,133*	-	-
Bank owned life insurance income	2,712	8,558*	-	-
Gain realized on life insurance policies	346	491*	-	-
Loan level derivative income	910	891*	-	-
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	-	-	465	470
Advertising	-	-	526	833
Salaries and employee benefits	80,737	276,459*	21,125	21,123
Furniture, fixtures and equipment	-	-	892	793
Loan and collection	-	-	618	744
Interchange expense	-	-	1,180	1,177
Data processing	-	-	3,784	3,847
Occupancy and equipment expenses	17,306	51,337*	2,127	2,046
Data processing& facilities management	3,259	2,795*	-	-
Software maintenance	7,068	6,054*	-	-
Fdic assessment	3,328	10,622*	615	637
Debit card expense	2,402	2,123*	-	-
Consulting expense	-	4,840*	682	500
Cost, amortization	-	4,228*	-	-
Amortization of intangible assets	6,890	-	-	-
Business combination, acquisition-related cost, expense	3,024	9,909*	-	-
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	-	45,836*	3,674	3,801
Current federal, state and local, tax expense (benefit)	24,384	-	-	-
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	-	-

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

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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

DownloadDownload image

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