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Dec 31, 2020

Independent Bank Q4 2020 Earnings Report

Reported a net income of $34.6 million for the fourth quarter, demonstrating solid fundamentals amidst the Coronavirus impact.

Key Takeaways

Independent Bank Corp. reported a fourth-quarter net income of $34.6 million, or $1.05 per diluted share. The results include $5.2 million of pretax costs related to branch closures and the sale of non-strategic investments. Total assets reached $13.2 billion, marking a 15.9% increase compared to the previous year.

Net income for the fourth quarter was $34.6 million, or $1.05 per diluted share.

Total assets increased to $13.2 billion, up 15.9% year-over-year.

Deposit balances increased by $141.9 million, or 1.3%, from the prior quarter, reaching $11.0 billion.

Net interest income increased to $91.4 million, compared to $90.9 million for the prior quarter.

Total Revenue
$119M
Previous year: $133M
-10.8%
EPS
$1.17
Previous year: $1.38
-15.2%
Net interest margin
3.1%
Previous year: 3.9%
-20.5%
Return on avg. assets
1.04%
Previous year: 1.64%
-36.6%
Return on avg. equity
8.1%
Previous year: 11.06%
-26.8%
Cash and Equivalents
$1.3B
Previous year: $151M
+758.8%
Free Cash Flow
$49.5M
Previous year: $74.5M
-33.5%
Total Assets
$13.2B
Previous year: $11.4B
+15.9%

Independent Bank

Independent Bank

Forward Guidance

Company is well positioned to continue to successfully navigate forward as we enter 2021.