Market Summary

Investor Search

Contact Information

Financial Reports

Mobile IR SiteEmail pagePDF viewPrint viewEmail AlertTear SheetRSS FeedsSocial Media Sharing
Trend Analysis--Quarterly (click here for Annual Analysis)

For the definition of a financial field, click on the field name.


Balance Sheet ($000)
 2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves822,297807,8491.79816,3072.94
Loans Held for Sale, before ReservesNA712NA340NA
Loan Loss Reserve10,40011,600(10.34)10,700(11.21)
Net Loans ReceivableNA796,961NA805,947NA
Intangible AssetsNA46,361NA46,216NA
Total Assets1,550,0001,459,3416.211,522,1357.32
DepositsNA1,023,931NA1,060,928NA
Debt, Senior and SubordinatedNA266,001NA279,457NA
Common EquityNA161,305NA171,099NA
Total Shareholders' EquityNA161,305NA171,099NA
Shares Outstanding (actual)NA7,700,198NA7,728,459NA
Income Statement ($000)
 2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Net Interest IncomeNA10,769NA10,923NA
Provision for Loan Losses(162)351NM(200)(76.00)
Noninterest IncomeNA2,790NA2,434NA
Noninterest ExpenseNA9,320NA9,300NA
Net Income Before TaxesNA3,960NA4,257NA
Provision for TaxesNA674NA692NA
Net Income3,4103,2863.773,565(17.39)
Per Share Items ($)
 2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Book Value per ShareNA20.95NA22.14NA
Tangible Book ValueNA14.93NA16.16NA
Diluted EPS Before Extra0.440.424.760.45(8.89)
Diluted EPS After Extra0.440.424.760.45(8.89)
Dividends Declared0.22000.21004.760.22000.00
Performance Ratios (%)
 2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
ROAA0.890.91(2)0.95(6)
ROAENA8.27NA8.43NA
Net Interest MarginNA3.48NA3.43NA
Loans / DepositsNA78.90NA76.94NA
Efficiency RatioNA64.58NA64.94NA
Balance Sheet Ratios (%)
 2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNA8.13NA8.46NA
Equity/ AssetsNA11.05NA11.24NA
Asset Quality Ratios (%)
 2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA1.61NA1.77NA
Loan Loss Reserves/ Gross LoansNA1.43NA1.31NA
Loan Loss Reserves/ NPAsNA49.27NA39.65NA
Net Charge-offs/ Avg LoansNA0.22NA0.10NA
Regulatory Capital Ratios (%)
 2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Tier 1 Capital RatioNA13.75NA13.84NA
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


All per share values have been retroactively restated to reflect stock dividends paid.

The information and materials available on or through our Investor Relations website are for informational purposes only and do not represent an offer or solicitation with respect to the purchase or sale of any security. Isabella Bank Corporation's future financial performance is subject to various risks and uncertainties, certain of which are discussed in forward-looking statements contained in the reports that Isabella Bank Corporation files with the SEC that could cause actual results to differ materially from expectations. You should refer to the SEC reports for further information regarding those risks and uncertainties.

Links to third-party sites are provided for your convenience. Such sites are not within our control and may not follow the same privacy, security, or accessibility standards as ours. We neither endorse nor guarantee statements made by third parties, nor are we responsible for the security, content or availability of third-party sites, their partners, or advertisers.


Copyright 2014, © SNL Financial LC  Terms of Use
*Assumes no points. Click for more information.