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Trend Analysis--Quarterly (click here for Annual Analysis)

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


Balance Sheet ($000)
 2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Loans Held for Investment, before ReservesNA833,582NA833,347NA
Loans Held for Sale, before ReservesNA901NA831NA
Loan Loss ReserveNA10,100NA8,200NA
Net Loans ReceivableNA824,383NA825,978NA
Intangible AssetsNA46,128NA48,875NA
Total Assets1,670,0001,549,5437.771,619,25012.54
DepositsNA1,074,484NA1,128,003NA
Debt, Senior and SubordinatedNA289,709NA297,610NA
Common EquityNA174,594NA182,998NA
Total Shareholders' EquityNA174,594NA182,998NA
Shares Outstanding (actual)7,795,1497,762,3400.427,746,3082.52
Income Statement ($000)
 2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Net Interest IncomeNA11,209NA11,258NA
Provision for Loan Losses(771)(64)1,104.69(738)17.89
Noninterest IncomeNA2,426NA3,101NA
Noninterest ExpenseNA9,606NA10,032NA
Net Income Before TaxesNA4,093NA5,065NA
Provision for TaxesNA648NA1,002NA
Net Income3,2963,445(4.33)4,063(75.51)
Per Share Items ($)
 2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Book Value per ShareNA22.49NA23.62NA
Tangible Book ValueNA16.55NA17.31NA
Diluted EPS Before ExtraNA0.44NA0.51NA
Diluted EPS After ExtraNA0.44NA0.51NA
Dividends Declared0.24000.23004.350.24000.00
Performance Ratios (%)
 2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
ROAA0.800.89(9)1.01(21)
ROAE7.177.86(70)9.03(186)
Net Interest MarginNA3.46NA3.33NA
Loans / DepositsNA77.58NA73.88NA
Efficiency RatioNA65.41NA65.22NA
Balance Sheet Ratios (%)
 2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNA8.54NA8.54NA
Equity/ AssetsNA11.27NA11.30NA
Asset Quality Ratios (%)
 2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA1.67NA1.39NA
Loan Loss Reserves/ Gross LoansNA1.21NA0.98NA
Loan Loss Reserves/ NPAsNA39.06NA36.41NA
Net Charge-offs/ Avg LoansNA0.11NA0.03NA
Regulatory Capital Ratios (%)
 2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Tier 1 Capital RatioNA14.08NANANA
   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.

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