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

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Balance Sheet ($000)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves808,037772,7534.57807,8490.09
Loans Held for Sale, before Reserves1,1043,633(69.61)712220.22
Loan Loss Reserve11,50011,936(3.65)11,600(3.45)
Net Loans Receivable797,641764,4504.34796,9610.34
Intangible Assets46,31146,532(0.47)46,361(0.43)
Total Assets1,493,1371,430,6394.371,459,3419.26
Deposits1,043,7661,017,6672.561,023,9317.75
Debt, Senior and Subordinated279,326241,00115.90266,00120.04
Common Equity160,609164,489(2.36)161,305(1.73)
Total Shareholders' Equity160,609164,489(2.36)161,305(1.73)
Shares Outstanding (actual)7,710,2627,666,7160.577,700,1980.52
Income Statement ($000)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Net Interest Income10,92010,7941.1710,7695.61
Provision for Loan Losses2451,200(79.58)351(120.80)
Noninterest Income2,1302,686(20.70)2,790(94.62)
Noninterest Expense9,5789,750(1.76)9,32011.07
Net Income Before Taxes3,2272,53027.553,960(74.04)
Provision for Taxes303191,494.74674(220.18)
Net Income2,9242,51116.453,286(44.07)
Per Share Items ($)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Book Value per Share20.8321.45(2.91)20.95(2.25)
Tangible Book Value14.8215.39(3.65)14.93(2.77)
Diluted EPS Before Extra0.370.3215.620.42(47.62)
Diluted EPS After Extra0.370.3215.620.42(47.62)
Dividends Declared0.21000.20005.000.21000.00
Performance Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
ROAA0.790.7180.91(11)
ROAE7.186.111068.27(110)
Net Interest Margin3.503.65(15)3.482
Loans / Deposits77.4275.9314878.90(148)
Efficiency Ratio68.6067.986264.58402
Balance Sheet Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.908.52(62)8.13(23)
Equity/ Assets10.7611.50(74)11.05(30)
Asset Quality Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.320.68(36)0.37(5)
Loan Loss Reserves/ Gross Loans1.421.54(12)1.43(1)
Loan Loss Reserves/ NPAs39.5546.17(662)49.27(972)
Net Charge-offs/ Avg Loans0.170.69(52)0.22(5)
Regulatory Capital Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio13.6713.234413.75(8)
   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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