First Internet Bancorp (INBK) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 31.6M | 30.32M | 30.35M | 27.99M | 25.1M | 23.55M | 21.77M | 21.33M | 20.73M | 19.81M | 17.38M | 18.14M | 19.57M | 21.67M | 23.99M | 25.68M | 25.75M | 23.5M | 20.92M | 21.61M |
| NII Growth % | 25.91% | 28.75% | 39.45% | 31.24% | 21.04% | 18.9% | 25.24% | 17.54% | 5.93% | -8.59% | -27.57% | -29.34% | -23.98% | -7.81% | 14.7% | 18.85% | 25.46% | 24.6% | 28.88% | 49.78% |
| Net Interest Margin % | 0.55% | 0.54% | 0.54% | 0.46% | 0.43% | 0.41% | 0.37% | 0.4% | 0.39% | 0.38% | 0.34% | 0.37% | 0.41% | 0.48% | 0.56% | 0.63% | 0.61% | 0.56% | 0.49% | 0.51% |
| Interest Income | 75.81M | 78.05M | 84.39M | 80.89M | 76.83M | 77.77M | 74.99M | 70.96M | 68.17M | 66.27M | 63.02M | 58.12M | 52.03M | 45.67M | 39.1M | 36.11M | 36.03M | 34.19M | 33.03M | 33.38M |
| Interest Expense | 44.21M | 47.73M | 54.04M | 52.9M | 51.73M | 54.22M | 53.23M | 49.63M | 47.43M | 46.47M | 45.64M | 39.98M | 32.46M | 24M | 15.11M | 10.43M | 10.28M | 10.69M | 12.12M | 11.77M |
| Loan Loss Provision | 16.3M | 11.98M | 34.79M | 13.62M | 11.95M | 7.25M | 3.42M | 4.03M | 2.51M | 3.62M | 1.96M | 1.7M | 9.41M | 2.11M | 892K | 1.19M | 791K | -238K | -29K | 21K |
| Non-Interest Income | 11.52M | 11.38M | -26.5M | 4.05M | 8.92M | 14.6M | 10.53M | 9.44M | 6.96M | 6.06M | 6.09M | 4.8M | 3.47M | 4.79M | 3.17M | 3.62M | 5.24M | 7.04M | 7.43M | 5.9M |
| Non-Interest Income % | 13.19% | 12.72% | -45.77% | 4.77% | 10.4% | 15.81% | 12.32% | 11.74% | 9.27% | 8.37% | 8.81% | 7.63% | 6.25% | 9.49% | 7.51% | 9.11% | 12.69% | 17.07% | 18.36% | 15.02% |
| Total Revenue | 87.33M | 89.43M | 57.89M | 84.94M | 85.75M | 92.37M | 85.52M | 80.4M | 75.13M | 72.33M | 69.1M | 62.92M | 55.5M | 50.46M | 42.27M | 39.73M | 41.27M | 41.23M | 40.46M | 39.27M |
| Revenue Growth % | 1.85% | -3.19% | -32.31% | 5.64% | 14.13% | 27.71% | 23.77% | 27.78% | 35.36% | 43.34% | 63.46% | 58.38% | 34.48% | 22.38% | 4.47% | 1.15% | 0.37% | -9.72% | -9.75% | 1.23% |
| Non-Interest Expense | 25.03M | 24.21M | 23.61M | 20.28M | 22.02M | 22.58M | 21.27M | 20.74M | 19.58M | 18.68M | 18.42M | 17.6M | 18.98M | 17.5M | 16.85M | 17.29M | 17.2M | 16.3M | 14.07M | 12.01M |
| Efficiency Ratio | 28.66% | 27.07% | 40.78% | 23.88% | 25.69% | 24.44% | 24.87% | 25.8% | 26.06% | 25.83% | 26.66% | 27.97% | 34.19% | 34.67% | 39.87% | 43.53% | 41.67% | 39.53% | 34.77% | 30.58% |
| Operating Income | 1.78M | 5.5M | -54.54M | -1.86M | 34K | 8.33M | 7.61M | 5.99M | 5.61M | 3.56M | 3.08M | 3.65M | -5.35M | 6.85M | 9.42M | 10.82M | 13M | 14.48M | 14.31M | 15.47M |
| Operating Margin % | 2.04% | 6.15% | -94.22% | -2.19% | 0.04% | 9.02% | 8.9% | 7.45% | 7.47% | 4.92% | 4.46% | 5.8% | -9.64% | 13.58% | 22.29% | 27.25% | 31.5% | 35.12% | 35.36% | 39.4% |
| Operating Income Growth % | 5147.06% | -33.94% | -816.73% | -131.05% | -99.39% | 134.09% | 146.84% | 64.28% | 204.88% | -48.09% | -67.28% | -66.3% | -141.15% | -52.67% | -34.15% | -30.05% | 5.62% | 2.38% | 45.93% | 322.3% |
| Pretax Income | 1.78M | 5.5M | -54.54M | -1.86M | 34K | 8.33M | 7.61M | 5.99M | 5.61M | 3.56M | 3.08M | 3.65M | -5.35M | 6.85M | 9.42M | 10.82M | 13M | 14.48M | 14.31M | 15.47M |
| Pretax Margin % | 2.04% | 6.15% | -94.22% | -2.19% | 0.04% | 9.02% | 8.9% | 7.45% | 7.47% | 4.92% | 4.46% | 5.8% | -9.64% | 13.58% | 22.29% | 27.25% | 31.5% | 35.12% | 35.36% | 39.4% |
| Income Tax | -725K | 213K | -12.95M | -2.05M | -909K | 999K | 620K | 218K | 429K | -585K | -326K | -234K | -2.33M | 503K | 987K | 1.28M | 1.79M | 2M | 2.22M | 2.38M |
| Effective Tax Rate % | -40.64% | 3.87% | 23.74% | 110.37% | -2673.53% | 11.99% | 8.15% | 3.64% | 7.65% | -16.44% | -10.57% | -6.41% | 43.6% | 7.34% | 10.47% | 11.82% | 13.77% | 13.84% | 15.51% | 15.36% |
| Net Income | 2.51M | 5.29M | -41.59M | 193K | 943K | 7.33M | 6.99M | 5.78M | 5.18M | 4.14M | 3.41M | 3.88M | -3.02M | 6.35M | 8.44M | 9.54M | 11.21M | 12.48M | 12.09M | 13.1M |
| Net Margin % | 2.87% | 5.91% | -71.85% | 0.23% | 1.1% | 7.94% | 8.17% | 7.18% | 6.9% | 5.73% | 4.93% | 6.17% | -5.44% | 12.59% | 19.96% | 24.03% | 27.16% | 30.26% | 29.88% | 33.34% |
| Net Income Growth % | 166.07% | -27.84% | -695.04% | -96.66% | -81.8% | 76.92% | 105.05% | 48.76% | 271.73% | -34.77% | -59.59% | -59.33% | -126.92% | -49.1% | -30.22% | -27.12% | 7.26% | 12.51% | 43.74% | 233.06% |
| Net Income (Continuing) | 2.51M | 5.29M | -41.59M | 193K | 943K | 7.33M | 6.99M | 5.78M | 5.18M | 4.14M | 3.41M | 3.88M | -3.02M | 6.35M | 8.44M | 9.54M | 11.21M | 12.48M | 12.09M | 13.1M |
| EPS (Diluted) | 0.29 | 0.60 | -4.76 | 0.02 | 0.11 | 0.83 | 0.80 | 0.67 | 0.59 | 0.48 | 0.39 | 0.44 | -0.14 | 0.68 | 0.89 | 0.99 | 1.14 | 1.25 | 1.21 | 1.31 |
| EPS Growth % | 163.64% | -27.71% | -695% | -96.72% | -81.36% | 72.92% | 105.13% | 52.27% | 521.43% | -29.41% | -56.18% | -55.56% | -112.28% | -45.6% | -26.45% | -24.43% | 8.57% | 12.61% | 40.7% | 227.5% |
| EPS (Basic) | 0.29 | 0.61 | -4.76 | 0.02 | 0.11 | 0.84 | 0.80 | 0.67 | 0.60 | 0.48 | 0.39 | 0.44 | -0.14 | 0.68 | 0.89 | 0.99 | 1.14 | 1.26 | 1.22 | 1.32 |
| Diluted Shares Outstanding | 8.77M | 8.77M | 8.74M | 8.76M | 8.78M | 8.77M | 8.77M | 8.66M | 8.75M | 8.72M | 8.77M | 8.91M | 9.02M | 9.34M | 9.53M | 9.66M | 9.87M | 9.99M | 9.99M | 9.98M |