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Independent Bank (Ionia MI) (IBCP)

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  • 33.920
  • +0.060+0.18%
Trading Jan 16 14:55 ET
701.87MMarket Cap10.44P/E (TTM)

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

Independent Bank (Ionia MI) (IBCP) Income Statement

Quarterly+Annual
YOY yoy
Hide blank lines yoy
(Q3)Sep 30, 2025
(Q2)Jun 30, 2025
(Q1)Mar 31, 2025
(FY)Dec 31, 2024
(Q4)Dec 31, 2024
(Q3)Sep 30, 2024
(Q2)Jun 30, 2024
(Q1)Mar 31, 2024
(FY)Dec 31, 2023
(Q4)Dec 31, 2023
Total revenue
11.95%55.46M
-1.33%54.07M
2.04%52.27M
7.64%215.8M
26.48%60.24M
-7.22%49.54M
5.44%54.8M
8.19%51.23M
-2.10%200.48M
-5.81%47.62M
Net interest income
8.38%45.36M
7.91%44.62M
8.68%43.69M
6.34%166.25M
6.83%42.85M
6.16%41.85M
7.81%41.35M
4.57%40.2M
4.53%156.33M
-1.21%40.11M
-Net interest income
1.40%69.29M
0.81%66.88M
1.56%66.14M
11.31%266.78M
2.47%66.98M
9.45%68.33M
14.48%66.34M
20.75%65.13M
41.81%239.68M
28.21%65.36M
-Interest income from loans and lease
4.99%61.33M
4.84%59.54M
4.95%57.77M
15.61%228.59M
7.39%58.35M
13.60%58.41M
19.10%56.79M
24.27%55.04M
42.19%197.73M
29.08%54.33M
-Interest income from securities
-19.74%7.97M
-23.13%7.34M
-16.93%8.38M
-12.43%31.98M
-56.71%2.42M
-9.89%9.92M
-6.98%9.55M
4.57%10.08M
25.65%36.52M
-30.02%5.6M
-Other interest income
----
----
----
14.35%6.21M
----
----
----
----
514.14%5.43M
----
-Total interest expense
-9.63%23.93M
-10.92%22.26M
-9.91%22.46M
20.61%100.53M
-4.45%24.13M
15.11%26.48M
27.52%24.99M
60.88%24.93M
328.59%83.35M
143.35%25.25M
-Interest expense for deposit
-10.18%21.97M
-10.55%20.46M
-8.13%20.96M
23.47%92.69M
-2.44%22.55M
17.93%24.46M
31.01%22.88M
65.77%22.81M
430.53%75.08M
170.53%23.11M
-Interest expense for long term debt and capital securities
-3.02%1.96M
-14.89%1.8M
-29.02%1.5M
-5.31%7.83M
-26.09%1.58M
-10.79%2.02M
-0.98%2.12M
22.13%2.12M
56.21%8.27M
16.69%2.14M
Non interest income
31.37%10.1M
-29.73%9.45M
-22.15%8.59M
12.24%49.55M
131.42%17.38M
-44.98%7.69M
-1.23%13.45M
23.81%11.03M
-20.05%44.15M
-24.59%7.51M
-Total premiums earned
46.19%288K
57.45%296K
64.09%297K
75.95%834K
90.07%268K
58.87%197K
91.84%188K
63.06%181K
31.67%474K
--141K
-Fees and commissions
84.51%7.2M
-22.73%5.75M
-47.70%4.15M
12.27%33.25M
355.43%12.5M
-61.54%3.9M
-25.66%7.44M
34.06%7.94M
-29.87%29.62M
-71.52%2.74M
-Other non interest income
-23.02%1.22M
1.48%1.72M
20.89%2.1M
-5.84%6.47M
9.05%2.93M
-1.74%1.58M
16.06%1.69M
-3.24%1.73M
9.63%6.87M
254.84%2.69M
-Gain loss on sale of assets
-30.40%1.4M
-59.07%1.69M
74.12%2.04M
25.17%9.01M
-12.92%1.69M
-4.24%2.01M
100.97%4.13M
8.43%1.17M
12.95%7.2M
14.24%1.94M
Credit losses provision
-31.35%-1.99M
-1,028.57%-1.11M
-853.68%-906K
38.04%-4.12M
-841.37%-1.85M
16.05%-1.51M
103.48%119K
94.40%-95K
-10.96%-6.65M
118.18%249K
Non interest expense
5.07%32.3M
1.68%32.29M
2.97%32.24M
7.06%128.63M
19.03%35.62M
2.65%30.74M
4.63%31.75M
5.14%31.31M
-0.70%120.15M
-2.22%29.93M
Occupancy and equipment
6.87%3.02M
0.18%2.84M
2.64%3.11M
-0.82%11.57M
-0.89%2.88M
-2.52%2.83M
2.16%2.83M
-1.85%3.03M
-9.68%11.66M
-7.95%2.91M
Professional expense and contract services expense
-0.73%682K
-8.09%500K
-1.44%479K
16.21%2.57M
45.13%849K
26.52%687K
15.01%544K
-19.93%486K
3.52%2.21M
-0.51%585K
Selling and administrative expenses
4.66%22.53M
-0.44%22.87M
-0.42%22.19M
7.93%91.83M
15.58%25.05M
2.46%21.53M
5.46%22.97M
8.07%22.28M
-1.17%85.09M
-2.90%21.68M
-General and administrative expense
5.05%22.01M
-0.66%22.04M
-2.12%21.33M
7.06%88.77M
14.71%23.86M
1.43%20.95M
3.90%22.18M
8.28%21.79M
-1.30%82.92M
-4.75%20.8M
-Selling and marketing expense
-9.47%526K
5.71%833K
75.36%861K
41.25%3.06M
36.29%1.2M
61.39%581K
82.83%788K
-0.81%491K
4.39%2.17M
79.75%879K
Depreciation amortization depletion
-6.20%121K
-5.43%122K
-5.43%122K
-5.67%516K
--129K
--129K
-5.84%129K
-5.84%129K
-30.32%547K
----
-Depreciation and amortization
-6.20%121K
-5.43%122K
-5.43%122K
-5.67%516K
--129K
--129K
-5.84%129K
-5.84%129K
-30.32%547K
----
Other non-interest expense
6.75%5.95M
12.91%5.96M
17.75%6.34M
7.29%22.15M
59.32%6.71M
1.40%5.57M
1.79%5.28M
1.01%5.39M
8.22%20.65M
12.29%4.21M
Income from associates and other participating interests
Special income (charges)
Other non-operating income (expenses)
Income before tax
22.47%21.18M
-10.74%20.68M
-3.51%19.13M
12.72%83.05M
26.86%22.77M
-20.14%17.29M
27.27%23.17M
24.86%19.82M
-5.29%73.68M
-3.45%17.95M
Income tax
5.54%3.67M
-18.05%3.8M
-7.68%3.54M
11.27%16.26M
2.45%4.31M
-15.28%3.48M
35.93%4.64M
32.80%3.83M
1.19%14.61M
20.01%4.2M
Earnings from equity interest net of tax
Net income
26.73%17.5M
-8.91%16.88M
-2.51%15.59M
13.07%66.79M
34.33%18.46M
-21.28%13.81M
25.27%18.53M
23.09%15.99M
-6.76%59.07M
-8.90%13.74M
Net Income continuous operations
26.73%17.5M
-8.91%16.88M
-2.51%15.59M
13.07%66.79M
34.33%18.46M
-21.28%13.81M
25.27%18.53M
23.09%15.99M
-6.76%59.07M
-8.90%13.74M
Minority interest income
Net income attributable to the parent company
26.73%17.5M
-8.91%16.88M
-2.51%15.59M
13.07%66.79M
34.33%18.46M
-21.28%13.81M
25.27%18.53M
23.09%15.99M
-6.76%59.07M
-8.90%13.74M
Preferred stock dividends
Other preferred stock dividend
Net income attributable to common stockholders
26.73%17.5M
-8.91%16.88M
-2.51%15.59M
13.07%66.79M
34.33%18.46M
-21.28%13.81M
25.27%18.53M
23.09%15.99M
-6.76%59.07M
-8.90%13.74M
Basic earnings per share
28.79%0.85
-8.99%0.81
-3.90%0.74
13.48%3.2
33.33%0.88
-21.43%0.66
27.14%0.89
24.19%0.77
-6.00%2.82
-8.33%0.66
Diluted earnings per share
29.23%0.84
-7.95%0.81
-2.63%0.74
13.26%3.16
33.85%0.87
-21.69%0.65
25.71%0.88
24.59%0.76
-6.06%2.79
-8.45%0.65
Dividend per share
8.33%0.26
8.33%0.26
8.33%0.26
4.35%0.96
4.35%0.24
4.35%0.24
4.35%0.24
4.35%0.24
4.55%0.92
4.55%0.23
Currency Unit
USD
USD
USD
USD
USD
USD
USD
USD
USD
USD
Accounting Standards
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
Audit Opinions
--
--
--
Unqualified Opinion with Explanatory Notes
--
--
--
--
Unqualified Opinion with Explanatory Notes
--
(Q3)Sep 30, 2025(Q2)Jun 30, 2025(Q1)Mar 31, 2025(FY)Dec 31, 2024(Q4)Dec 31, 2024(Q3)Sep 30, 2024(Q2)Jun 30, 2024(Q1)Mar 31, 2024(FY)Dec 31, 2023(Q4)Dec 31, 2023
Total revenue 11.95%55.46M-1.33%54.07M2.04%52.27M7.64%215.8M26.48%60.24M-7.22%49.54M5.44%54.8M8.19%51.23M-2.10%200.48M-5.81%47.62M
Net interest income 8.38%45.36M7.91%44.62M8.68%43.69M6.34%166.25M6.83%42.85M6.16%41.85M7.81%41.35M4.57%40.2M4.53%156.33M-1.21%40.11M
-Net interest income 1.40%69.29M0.81%66.88M1.56%66.14M11.31%266.78M2.47%66.98M9.45%68.33M14.48%66.34M20.75%65.13M41.81%239.68M28.21%65.36M
-Interest income from loans and lease 4.99%61.33M4.84%59.54M4.95%57.77M15.61%228.59M7.39%58.35M13.60%58.41M19.10%56.79M24.27%55.04M42.19%197.73M29.08%54.33M
-Interest income from securities -19.74%7.97M-23.13%7.34M-16.93%8.38M-12.43%31.98M-56.71%2.42M-9.89%9.92M-6.98%9.55M4.57%10.08M25.65%36.52M-30.02%5.6M
-Other interest income ------------14.35%6.21M----------------514.14%5.43M----
-Total interest expense -9.63%23.93M-10.92%22.26M-9.91%22.46M20.61%100.53M-4.45%24.13M15.11%26.48M27.52%24.99M60.88%24.93M328.59%83.35M143.35%25.25M
-Interest expense for deposit -10.18%21.97M-10.55%20.46M-8.13%20.96M23.47%92.69M-2.44%22.55M17.93%24.46M31.01%22.88M65.77%22.81M430.53%75.08M170.53%23.11M
-Interest expense for long term debt and capital securities -3.02%1.96M-14.89%1.8M-29.02%1.5M-5.31%7.83M-26.09%1.58M-10.79%2.02M-0.98%2.12M22.13%2.12M56.21%8.27M16.69%2.14M
Non interest income 31.37%10.1M-29.73%9.45M-22.15%8.59M12.24%49.55M131.42%17.38M-44.98%7.69M-1.23%13.45M23.81%11.03M-20.05%44.15M-24.59%7.51M
-Total premiums earned 46.19%288K57.45%296K64.09%297K75.95%834K90.07%268K58.87%197K91.84%188K63.06%181K31.67%474K--141K
-Fees and commissions 84.51%7.2M-22.73%5.75M-47.70%4.15M12.27%33.25M355.43%12.5M-61.54%3.9M-25.66%7.44M34.06%7.94M-29.87%29.62M-71.52%2.74M
-Other non interest income -23.02%1.22M1.48%1.72M20.89%2.1M-5.84%6.47M9.05%2.93M-1.74%1.58M16.06%1.69M-3.24%1.73M9.63%6.87M254.84%2.69M
-Gain loss on sale of assets -30.40%1.4M-59.07%1.69M74.12%2.04M25.17%9.01M-12.92%1.69M-4.24%2.01M100.97%4.13M8.43%1.17M12.95%7.2M14.24%1.94M
Credit losses provision -31.35%-1.99M-1,028.57%-1.11M-853.68%-906K38.04%-4.12M-841.37%-1.85M16.05%-1.51M103.48%119K94.40%-95K-10.96%-6.65M118.18%249K
Non interest expense 5.07%32.3M1.68%32.29M2.97%32.24M7.06%128.63M19.03%35.62M2.65%30.74M4.63%31.75M5.14%31.31M-0.70%120.15M-2.22%29.93M
Occupancy and equipment 6.87%3.02M0.18%2.84M2.64%3.11M-0.82%11.57M-0.89%2.88M-2.52%2.83M2.16%2.83M-1.85%3.03M-9.68%11.66M-7.95%2.91M
Professional expense and contract services expense -0.73%682K-8.09%500K-1.44%479K16.21%2.57M45.13%849K26.52%687K15.01%544K-19.93%486K3.52%2.21M-0.51%585K
Selling and administrative expenses 4.66%22.53M-0.44%22.87M-0.42%22.19M7.93%91.83M15.58%25.05M2.46%21.53M5.46%22.97M8.07%22.28M-1.17%85.09M-2.90%21.68M
-General and administrative expense 5.05%22.01M-0.66%22.04M-2.12%21.33M7.06%88.77M14.71%23.86M1.43%20.95M3.90%22.18M8.28%21.79M-1.30%82.92M-4.75%20.8M
-Selling and marketing expense -9.47%526K5.71%833K75.36%861K41.25%3.06M36.29%1.2M61.39%581K82.83%788K-0.81%491K4.39%2.17M79.75%879K
Depreciation amortization depletion -6.20%121K-5.43%122K-5.43%122K-5.67%516K--129K--129K-5.84%129K-5.84%129K-30.32%547K----
-Depreciation and amortization -6.20%121K-5.43%122K-5.43%122K-5.67%516K--129K--129K-5.84%129K-5.84%129K-30.32%547K----
Other non-interest expense 6.75%5.95M12.91%5.96M17.75%6.34M7.29%22.15M59.32%6.71M1.40%5.57M1.79%5.28M1.01%5.39M8.22%20.65M12.29%4.21M
Income from associates and other participating interests
Special income (charges)
Other non-operating income (expenses)
Income before tax 22.47%21.18M-10.74%20.68M-3.51%19.13M12.72%83.05M26.86%22.77M-20.14%17.29M27.27%23.17M24.86%19.82M-5.29%73.68M-3.45%17.95M
Income tax 5.54%3.67M-18.05%3.8M-7.68%3.54M11.27%16.26M2.45%4.31M-15.28%3.48M35.93%4.64M32.80%3.83M1.19%14.61M20.01%4.2M
Earnings from equity interest net of tax
Net income 26.73%17.5M-8.91%16.88M-2.51%15.59M13.07%66.79M34.33%18.46M-21.28%13.81M25.27%18.53M23.09%15.99M-6.76%59.07M-8.90%13.74M
Net Income continuous operations 26.73%17.5M-8.91%16.88M-2.51%15.59M13.07%66.79M34.33%18.46M-21.28%13.81M25.27%18.53M23.09%15.99M-6.76%59.07M-8.90%13.74M
Minority interest income
Net income attributable to the parent company 26.73%17.5M-8.91%16.88M-2.51%15.59M13.07%66.79M34.33%18.46M-21.28%13.81M25.27%18.53M23.09%15.99M-6.76%59.07M-8.90%13.74M
Preferred stock dividends
Other preferred stock dividend
Net income attributable to common stockholders 26.73%17.5M-8.91%16.88M-2.51%15.59M13.07%66.79M34.33%18.46M-21.28%13.81M25.27%18.53M23.09%15.99M-6.76%59.07M-8.90%13.74M
Basic earnings per share 28.79%0.85-8.99%0.81-3.90%0.7413.48%3.233.33%0.88-21.43%0.6627.14%0.8924.19%0.77-6.00%2.82-8.33%0.66
Diluted earnings per share 29.23%0.84-7.95%0.81-2.63%0.7413.26%3.1633.85%0.87-21.69%0.6525.71%0.8824.59%0.76-6.06%2.79-8.45%0.65
Dividend per share 8.33%0.268.33%0.268.33%0.264.35%0.964.35%0.244.35%0.244.35%0.244.35%0.244.55%0.924.55%0.23
Currency Unit USDUSDUSDUSDUSDUSDUSDUSDUSDUSD
Accounting Standards US-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAP
Audit Opinions ------Unqualified Opinion with Explanatory Notes--------Unqualified Opinion with Explanatory Notes--
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