FIRST INT · . . · Financial Results Fourth Quarter 2021 ® nd and ad ad ad and out all and ad ad ad and Forward-Looking Statements & Non-GAAP Financial Measures 2 This presentation may contain forward-looking statements, including statements with respect to the pending acquisition of First Century Bancorp and its effects on the future performance of the Company and the Bank, the expected timing of completion of the transaction and other statements concerning the financial condition, results of operations, tr ...

Financial Data and Key Metrics Changes - The company reported a record annual net income of $48.1 million for 2021, with diluted earnings per share of $4.82, both up over 60% compared to 2020 [9] - The fully taxable equivalent net interest margin for the year was 2.25%, an increase of 57 basis points from 1.68% in 2020 [9][10] - The return on average assets improved to 1.14%, up 45 basis points from the previous year [10] - The tangible common equity to tangible assets ratio increased to 8.93% at year-end [11][45] Business Line Data and Key Metrics Changes - The company saw strong growth in its SBA platform, with originations particularly strong during the fourth quarter [11] - The franchise finance business unit funded over $18 million in loans since its launch in July 2021, with a target of $115 million in origination volumes for 2022 [12] - Total loans at the end of Q4 were $2.9 billion, down 5.6% from the previous year, with notable growth in franchise finance and construction lending [26] - The company originated $54 million in SBA 7(a) loans during the quarter, with $14 million retained on the balance sheet [27] Market Data and Key Metrics Changes - Overall deposit balances were down modestly from the end of Q3, but non-maturity deposits increased by $51.6 million [29] - The company realized $26 million in deposit interest savings for the full year 2021 [29] - The net interest income for Q4 was $23.5 million, a 12.4% increase compared to Q3 [30] Company Strategy and Development Direction - The company announced a transformational acquisition of First Century Bancorp, which will add four scalable business lines and diversify funding sources [14] - The company plans to invest in fintech partnerships to enhance digital service delivery capabilities and expand its market presence [16][17] - The company aims to position itself as a leading provider in the banking as a service space, leveraging its experience and partnerships [19] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in achieving loan growth of 10% to 12% for 2022, driven by franchise financing and construction lending [50][54] - The integration of First Century is expected to provide a stable deposit base and enhance overall balance sheet sensitivity to interest rate changes [55][56] - Management anticipates that the upcoming rate hikes will not negatively impact net interest margin due to the changes in the balance sheet and the addition of First Century [73] Other Important Information - The company repurchased 100,000 shares of common stock at an average price of $44.36 as part of its stock repurchase program [46] - The company published its inaugural ESG report in 2021, highlighting its commitments to governance, environmental management, and social responsibility [21] Q&A Session Summary Question: Loan growth outlook - Management forecasts loan growth in the range of 10% to 12% for the year, with franchise financing as a key driver [50][54] Question: Interest rate sensitivity and balance sheet - The integration of First Century is expected to provide a stable deposit base, allowing for better management of interest rate sensitivity [55][56] Question: Expense growth and First Century impact - Management expects a 15% to 17% increase in expenses for 2022, with First Century's costs on top of that [59][62] Question: Homeowners Association (HOA) business outlook - The HOA business is seen as a stable opportunity, with potential for growth through additional integrations and partnerships [80] Question: Non-interest revenue impact from fintech partnerships - Non-interest income is expected to increase through partnerships in banking as a service and enhanced offerings [86]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period ended September 30, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Transition Period From ________ to ________. Commission File Number 001-35750 First Internet Bancorp (Exact Name of Registrant as Specified in Its Charter) Indiana 20-3489991 (S ...

First Internet Bancorp (NASDAQ:INBK) Q3 2021 Results Conference Call October 21, 2021 12:00 PM ET Company Participants Larry Clark - Financial Profiles David Becker - Chairman & CEO Ken Lovik - EVP & CFO Conference Call Participants John Rodis - Janney Michael Perito - KBW Brett Rabatin - Hovde Group George Sutton - Craig-Hallum Nathan Race - Piper Sandler Operator Good day, and welcome to the First Internet Bancorp Earnings Conference Call for the Third Quarter of 2021. All participants will be in a listen ...

FIRST IN · · . Financial Results Third Quarter 2021 Forward-Looking Statements & Non-GAAP Financial Measures This presentation contains forward-looking statements, including statements with respect to the Company's stock repurchase program and timing and methods of executing the same, the financial condition, results of operations, trends in lending policies and loan programs, plans and prospective business partnerships, objectives, future performance and business of the Company. Forward-looking statements ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period ended June 30, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Transition Period From ________ to ________. Commission File Number 001-35750 First Internet Bancorp (Exact Name of Registrant as Specified in Its Charter) Indiana 20-3489991 (State ...

FIRST IN · · ● Investor Presentation Second Quarter 2021 Forward-Looking Statements & Non-GAAP Financial Measures This presentation may contain forward-looking statements with respect to the financial condition, results of operations, trends in lending policies, plans, objectives, future performance or business of the Company. Forward-looking statements are generally identifiable by the use of words such as "anticipate," "believe," "continue," "could," "designed," "estimate," "expect," "intend," "may," "opt ...

FIRST IN · · . Financial Results Second Quarter 2021 Forward-Looking Statements & Non-GAAP Financial Measures This presentation may contain forward-looking statements with respect to the financial condition, results of operations, trends in lending policies, plans, objectives, future performance or business of the Company. Forward-looking statements are generally identifiable by the use of words such as "anticipate," "believe," "continue," "could," "designed," "estimate," "expect," "intend," "may," "optimis ...

First Internet Bancorp (NASDAQ:INBK) Q2 2021 Earnings Conference Call July 22, 2021 12:00 PM ET Company Participants Larry Clark - Financial Profiles David Becker - Chairman & CEO Kenneth Lovik - EVP & CFO Conference Call Participants Michael Perito - KBW Brett Rabatin - Hovde Group Nathan Race - Piper Sandler & Co. John Rodis - Janney Montgomery Scott Operator Good day, everyone, and welcome to the First Internet Bancorp Earnings Conference Call for the second quarter of 2021. [Operator Instructions]. I wo ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period ended March 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Transition Period From ________ to ________. Commission File Number 001-35750 First Internet Bancorp (Exact Name of Registrant as Specified in Its Charter) | Indiana | | 20-3489991 ...