| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net (loss) income | -40,457 | 1,136 |
| Depreciation and amortization | 5,230 | 2,982 |
| Increase in cash surrender value of bank-owned life insurance | -862 | -567 |
| Provision for credit losses | 60,330 | 25,541 |
| Share-based compensation expense | 733 | 243 |
| Loans originated for sale | 430,086 | 261,753 |
| Proceeds from sale of loans | 381,503 | 197,554 |
| Loss (gain) on loans sold | -16,783 | 10,320 |
| Gain on sale of other real estate owned | 19 | 19 |
| (gain) loss on derivatives | 106 | 146 |
| Gain on bank-owned life insurance | 0 | 0 |
| Loan servicing asset revaluation | -3,666 | -2,334 |
| Net change in accrued income and other assets | 13,115 | 7,898 |
| Net change in accrued expenses and other liabilities | -3,874 | -6,434 |
| Net cash (used in) provided by operating activities | -20,274 | -57,347 |
| Net loan activity, excluding purchases | 295,966 | 199,820 |
| Proceeds from sale of other real estate owned | 547 | 291 |
| Maturities and calls of securities available-for-sale | 97,804 | 65,376 |
| Purchase of securities available-for-sale | 125,713 | 115,680 |
| Maturities and calls of securities held-to-maturity | 22,103 | 12,109 |
| Purchase of securities held-to-maturity | 33,629 | 33,629 |
| Purchase of premises and equipment | 940 | 834 |
| Proceeds from bank-owned life insurance | 0 | 0 |
| Loans purchased | 47,674 | 17,795 |
| Net proceeds from sale of portfolio loans | 799,297 | - |
| Other investing activities | 9,214 | 6,516 |
| Net cash provided by (used in) investing activities | 406,615 | -296,498 |
| Net (decrease) increase in deposits | -17,772 | 365,583 |
| Cash dividends paid | 1,571 | 1,054 |
| Repurchase of common stock | 0 | 0 |
| Proceeds from advances from federal home loan bank | 104,500 | 104,500 |
| Repayment of advances from federal home loan bank | 150,000 | 135,000 |
| Other, net | -247 | -233 |
| Net cash (used in) provided by financing activities | -65,090 | 333,796 |
| Net increase in cash and cash equivalents | 321,251 | -20,049 |
| Cash and cash equivalents at beginning of period | 466,410 | - |
| Cash and cash equivalents at end of period | 787,661 | - |
First Internet Bancorp (INBK)
First Internet Bancorp (INBK)