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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)
 2016 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves919,592831,83110.55870,29122.66
Loans Held for Sale, before ReservesNA1,029NA1,240NA
Loan Loss Reserve7,6009,000(15.56)7,5005.33
Net Loans ReceivableNA823,860NA864,031NA
Intangible AssetsNA46,052NA48,785NA
Total Assets1,680,0001,586,9755.861,681,818(0.43)
DepositsNA1,090,469NA1,173,507NA
Debt, Senior and SubordinatedNA307,599NA307,896NA
Common EquityNA178,025NA190,247NA
Total Shareholders' EquityNA178,025NA190,247NA
Shares Outstanding (actual)NA7,782,973NA7,793,315NA
Income Statement ($000)
 2016 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Net Interest Income10,54010,2412.9210,4672.79
Provision for Loan Losses12(535)NM156(369.23)
Noninterest IncomeNA2,629NA2,223NA
Noninterest ExpenseNA8,330NA9,080NA
Net Income Before TaxesNA5,075NA3,454NA
Provision for TaxesNA977NA437NA
Net Income3,4104,098(16.79)3,01752.10
Per Share Items ($)
 2016 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Book Value per ShareNA22.87NA24.41NA
Tangible Book ValueNA16.96NA18.15NA
Diluted EPS Before ExtraNA0.52NA0.38NA
Diluted EPS After ExtraNA0.52NA0.38NA
Dividends Declared0.24000.23004.350.24000.00
Performance Ratios (%)
 2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
ROAA0.811.04(23)0.729
ROAENA9.11NA6.37NA
Net Interest Margin2.743.12(38)2.98(25)
Loans / DepositsNA76.28NA74.16NA
Efficiency RatioNA59.83NA66.31NA
Balance Sheet Ratios (%)
 2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNA8.56NA8.66NA
Equity/ AssetsNA11.22NA11.31NA
Asset Quality Ratios (%)
 2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA1.38NA1.23NA
Loan Loss Reserves/ Gross LoansNA1.08NA0.86NA
Loan Loss Reserves/ NPAsNA41.06NA36.23NA
Net Charge-offs/ Avg LoansNA0.03NA0.03NA
Regulatory Capital Ratios (%)
 2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Tier 1 Capital RatioNANANANANA
   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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