First Internet Bancorp 2025年季度报告

Indicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 ofRegulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).YesþNo¨ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or anemerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth Cautionary Note Regarding Forward-Looking Statements This Quarterly Report on Form 10-Q contains forward-looking statements within the meaning of the federal securities laws. Thesestatements are nothistorical facts, but rather statements based on the current expectations of First Internet Bancorp and its consolidatedsubsidiaries (the “Company,” “we,” “our,” or “us”) regardingour business strategies, intended results and future performance, includingwithout limitation statements concerning the financial condition, results of operations, trends in lending policies and loan programs, plans andprospective business partnerships, objectives, future performance and business of the Company. Forward-looking statements are generallypreceded by terms such as “anticipate,” “attempt,” “believe,” “can,” “continue,” “could,” “effort,” “estimate,” “expect,” “goal,” “intend,”“likely,” “may,” “objective,” “optimistic,” “pending,” “plan,” “position,” “potential,” “preliminary,” “remain,” “scale,” “should,” “will,”“would” or other similar expressions. Such statements are subject to certain risks and uncertainties including:our business and operations andthe business and operations of our vendors and customers; general economic conditions, whether national or regional, and conditions in thelending markets in which we participate that may have an adverse effect on the demand for our loans and other products (including the effectsof inflationary pressures, changes in interest rates, slowdowns in economic growth, the impact of tariffs and trade policies, and the potential forhigh unemployment rates, as well as the financial stress on borrowers and changes to customer and client behavior and credit risk as a result ofthe foregoing); our credit quality and related levels of nonperforming assets and loan losses, and the value and salability of the real estate that iscollateral for our loans; failures or breaches of or interruptions in the communication and information systems on which we rely to conduct ourbusiness that could reduce our revenues, increase our costs or lead to disruptions in our business; our dependence on capital distributions fromFirst Internet Bank of Indiana (the “Bank”); results of examinations of us by our regulators, including the possibility that our regulators may,among other things, require us to increase our allowance for credit losses or to write-down assets; changing bank regulatory conditions, policiesor programs, whether arising as new legislation or regulatory initiatives, that could lead to restrictions on activities of banks generally, or theBank in particular; more restrictive regulatory capital requirements; increased costs, including deposit insurance premiums; regulation or Except as required by law, we do not undertake, and specifically disclaim any obligation, to publicly release the result of any revisionsthat may be made to any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the First Internet BancorpCondensed Consolidated Balance Sheets(Amounts in thousands except share data) First Internet BancorpCondensed Consolidated Statements of Comprehensive Income – Unaudited(Amounts in thousands) First Internet BancorpNotes to Condensed Consolidated Financial Statements – Unaudited Note 1:Basis of Presentation The accompanying unaudited condensed consolidated financial statements have been prepared in conformity with U.S. generallyaccepted accounting principles (“GAAP”) for interim financial information and pursuant to the rules and regulations of the U.S.Securities and Exchange Commission (“SEC”). Accordingly, they do not include all of the information or footnotes necessary for acomplete presentation of financial condition, results of operations, changes in shareholders’ equity, or cash flows in accordance withGAAP. In our opinion, all adjustments (consisting only of normal recurring adjustments) necessary for a fair presentation have been The preparation of the condensed consolidated financial statements in conformity with GAAP requires management t