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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)
 2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves816,307803,4521.60808,4113.91
Loans Held for Sale, before ReservesNA743NA489NA
Loan Loss Reserve10,70011,700(8.55)11,100(14.41)
Net Loans ReceivableNA792,495NA797,800NA
Intangible AssetsNA46,418NA46,263NA
Total Assets1,520,0001,451,4154.731,513,3711.75
DepositsNA1,021,424NA1,065,935NA
Debt, Senior and SubordinatedNA262,460NA272,536NA
Common EquityNA159,288NA165,971NA
Total Shareholders' EquityNA159,288NA165,971NA
Shares Outstanding (actual)NA7,698,847NA7,722,284NA
Income Statement ($000)
 2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Net Interest IncomeNA10,659NA10,864NA
Provision for Loan Losses(200)215NM(242)(69.42)
Noninterest IncomeNA2,736NA2,249NA
Noninterest ExpenseNA9,324NA9,486NA
Net Income Before TaxesNA3,856NA3,869NA
Provision for TaxesNA643NA560NA
Net Income3,5703,21311.113,30931.55
Per Share Items ($)
 2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Book Value per ShareNA20.69NA21.49NA
Tangible Book ValueNA14.66NA15.50NA
Diluted EPS Before Extra0.460.4112.200.4238.10
Diluted EPS After Extra0.460.4112.200.4238.10
Dividends Declared0.22000.21004.760.22000.00
Performance Ratios (%)
 2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
ROAA0.940.8950.886
ROAENA7.76NA8.04NA
Net Interest MarginNA3.50NA3.42NA
Loans / DepositsNA78.66NA75.84NA
Efficiency RatioNA65.35NA67.46NA
Balance Sheet Ratios (%)
 2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNA8.03NA8.16NA
Equity/ AssetsNA10.97NA10.97NA
Asset Quality Ratios (%)
 2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA1.65NA1.88NA
Loan Loss Reserves/ Gross LoansNA1.45NA1.37NA
Loan Loss Reserves/ NPAsNA48.97NA39.05NA
Net Charge-offs/ Avg LoansNA0.22NA0.08NA
Regulatory Capital Ratios (%)
 2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Tier 1 Capital RatioNA13.59NA13.88NA
   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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