Financial insights of IBCP

MyFinsight

Income Overview

Net Income
$81,838K
EPS
$1.7
Unit: Thousand (K) dollars

Income Statement	2026-06-30	2026-03-31	2025-12-31	2025-09-30
Interest and fees on loans	260,249	260,982	744,839*	61,325
Interest income, securities, operating, taxable	26,098	25,260	68,084*	3,660
Non-taxable interest and dividends on securities	102	114	86*	-
Tax-exempt	-	-	-	2,767
Interest on loans held for sale	210	252	199*	-
Other investments	-	-	-	1,538
Interest on federal funds sold and short-term investments	2,633	3,657	4,942*	-
Total interest and dividend income	289,292	290,265	818,150*	69,290
Interest on deposits	67,641	66,935	210,745*	21,972
Interest on borrowings	10,724	10,871	33,536*	1,957
Interest expense, operating, total	78,365	77,806	244,281*	23,929
Net interest income	210,927	212,459	573,869*	45,361
Provision for loan and lease losses	6,250	5,500	60,233*	1,991
Net interest income after provision for credit losses	204,677	206,959	513,636*	43,370
Interchange income	-	-	-	4,157
Service charges on deposit accounts	-	-	-	3,131
Mortgage loans	-	-	-	1,474
Equity securities at fair value	-	-	-	0
Securities available for sale	-	-	-	-36
Deposit account fees	9,393	9,249	8,035*	-
Mortgage loan servicing, net	-	-	-	74
Interchange and atm fees	5,686	5,018	5,247*	-
Investment banking, advisory, brokerage, and underwriting fees and commissions	14,961	14,165	12,511*	-
Mortgage banking income	1,174	1,270	1,133*	-
Bank owned life insurance income	2,636	2,712	8,558*	-
Gain realized on life insurance policies	672	346	491*	-
Loan level derivative income	1,317	910	891*	-
Other non-interest income	6,552	6,592	76,929*	3,137
Total non-interest income	42,391	40,262	113,796*	11,937
Salaries and employee benefits	79,088	80,737	276,459*	21,125
Data processing	-	-	-	3,784
Occupancy and equipment expenses	16,170	17,306	51,337*	2,127
Interchange expense	-	-	-	1,180
Advertising	-	-	-	526
Furniture, fixtures and equipment	-	-	-	892
Data processing& facilities management	3,208	3,259	2,795*	-
Loan and collection	-	-	-	618
Software maintenance	7,070	7,068	6,054*	-
Fdic assessment	3,158	3,328	10,622*	615
Communications	-	-	-	465
Debit card expense	2,462	2,402	2,123*	-
Consulting expense	-	-	4,840*	682
Intangible asset, finite-lived, amortization expense	6,791	6,890	-	-
Cost, amortization	-	-	4,228*	-
Consulting expense	3,274	-	-	-
Business combination, acquisition-related cost, expense	0	3,024	9,909*	-
Other non-interest expenses	19,051	18,904	59,677*	2,117
Total non-interest expenses	140,272	142,918	428,042*	34,131
Income before income taxes	106,796	104,303	199,390*	21,176
Income tax benefit	-	-	45,836*	3,674
Current federal, state and local, tax expense (benefit)	24,958	24,384	-	-
Net income	81,838	79,919	153,554	17,502

Basic EPS	1.7	1.63	1.582	0.85
Diluted EPS	1.7	1.63	3.324	0.84
Basic Average Shares	48,054,411	48,970,060	97,057,076	20,702,000
Diluted Average Shares	48,076,755	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
$81,838K
EPS
$1.7
Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Income Overview

Net Income
$81,838K
EPS
$1.7
Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Income Overview

Net Income$81,838KEPS$1.7Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Income Overview

Net Income$81,838KEPS$1.7Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Net Income
$81,838K
EPS
$1.7
Unit: Thousand (K) dollars

Net Income
$81,838K
EPS
$1.7
Unit: Thousand (K) dollars