Company profile

David B. Becker
Incorporated in
Fiscal year end
Industry (SEC)
IRS number

INBK stock data


Investment data

Data from SEC filings
Securities sold
Number of investors


8 Nov 19
7 Dec 19
31 Dec 19


Company financial data Financial data

Quarter (USD) Sep 19 Jun 19 Mar 19 Dec 18
Net income 6.33M 6.12M 5.7M 3.58M
Diluted EPS 0.63 0.6 0.56 0.35
Net change in cash 68.1M 217.8M -58.22M 102.92M
Cash on hand 416.4M 348.3M 130.49M 188.71M
Annual (USD) Dec 18 Dec 17 Dec 16 Dec 15
Net income 21.9M 15.23M 12.07M 8.93M
Diluted EPS 2.3 2.13 2.3 1.96
Net change in cash 140.73M 8.53M 14.3M -3.14M
Cash on hand 188.71M 47.98M 39.45M 25.15M

Financial data from company earnings reports

Financial report summary

ChaseWintrust FinancialCapital One
  • A failure of, or interruption in, the communications and information systems on which we rely to conduct our business could adversely affect our revenues and profitability.
  • Our commercial loan portfolio exposes us to higher credit risks than residential real estate and consumer loans, including risks relating to the success of the underlying business and conditions in the market or the economy and concentrations in our commercial loan portfolio.
  • Weakness in the economy may materially adversely affect our business and results of operations.
  • The market value of some of our investments could decline and adversely affect our financial position.
  • The implementation of CECL, including the design and maintenance of related internal controls over financial reporting, will require a significant amount of time and resources which may have a material impact on our results of operations.
  • Because our business is highly dependent on technology that is subject to rapid change and transformation, we are subject to risks of obsolescence.
  • We may need additional capital resources in the future, and these capital resources may not be available when needed or at all, without which our financial condition, results of operations and prospects could be materially impaired.
  • The competitive nature of the banking and financial services industry could negatively affect our ability to increase our market share and retain long-term profitability.
  • We rely on our management team and could be adversely affected by the unexpected loss of key officers.
  • Fluctuations in interest rates could reduce our profitability and affect the value of our assets.
  • An inadequate allowance for loan losses would reduce our earnings and adversely affect our financial condition and results of operations.
  • Consumer loans in our portfolio generally have greater risk of loss or default than residential real estate loans and may make it necessary to increase our provision for loan losses.
  • Portions of our commercial lending activities are geographically concentrated in Central Indiana and adjacent markets, and changes in local economic conditions may impact their performance.
  • Because of our holding company structure, we depend on capital distributions from the Bank to fund our operations.
  • Lack of seasoning of our commercial loan portfolios may increase the risk of credit defaults in the future.
  • A sustained decline in the residential mortgage loan market could reduce loan origination activity or increase delinquencies, defaults and foreclosures, which could adversely affect our financial results.
  • Reputational risk and social factors may negatively affect us.
  • A failure in or breach of our operational or security systems or infrastructure, or those of our third-party vendors and other service providers, including as a result of cyber-attacks, could disrupt our business, result in the disclosure or misuse of confidential or proprietary information, damage our reputation, increase our costs and cause losses.
  • We operate in a highly regulated environment, which could restrain our growth and profitability.
  • Federal and state regulators periodically examine our business and we may be required to remediate adverse examination findings.
  • Our FDIC deposit insurance premiums and assessments may increase, which would reduce our profitability.
  • The long-term impact of regulatory capital rules is uncertain and a significant increase in our capital requirements could have an adverse effect on our business and profitability.
  • We are subject to numerous laws designed to protect consumers, including the CRA and fair lending laws, and failure to comply with these laws could lead to a wide variety of sanctions.
  • We are subject to evolving and expensive regulations and requirements. Our failure to adhere to these requirements or the failure or circumvention of our controls and procedures could seriously harm our business.
  • We face a risk of noncompliance with and enforcement action under the BSA and other anti-money laundering statutes and regulations.
  • There is a limited trading market for our common stock and you may not be able to resell your shares.
  • The market price of our common stock can be volatile and may decline.
  • Federal banking laws limit the acquisition and ownership of our common stock.
  • Anti-takeover provisions could negatively impact our shareholders.
  • Our securities are not an insured deposit and as such are subject to loss of entire investment.
  • If we were to issue preferred stock or debt securities or undertake other debt financing, the rights of holders of our common stock and the value of such common stock could be adversely affected.
  • We may issue additional shares of common or preferred stock in the future, which could dilute existing shareholders.
  • If we default on our outstanding indebtedness, we will be prohibited from paying dividends or distributions on our common stock.
Management Discussion
  • 1 This information represents a non-GAAP financial measure. See the “Reconciliation of Non-GAAP Financial Measures” for a reconciliation of these measures to their most directly comparable GAAP measures.
  • 2 Dividends per share divided by diluted earnings per share.
  • 3 On a fully-taxable equivalent (“FTE”) basis assuming a 21% tax rate. Net interest income is adjusted to reflect income from assets such as municipal loans and securities that are exempt from Federal income taxes.   This is to recognize the income tax savings that facilitates a comparison between taxable and tax-exempt assets.  The Company believes that it is a standard practice in the banking industry to present net interest margin and net interest income on a fully-taxable equivalent basis, as these measures provide useful information to make peer comparisons.
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