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

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Balance Sheet ($000)
 2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves815,468808,4110.87833,582(8.69)
Loans Held for Sale, before Reserves1,057489116.1690169.26
Loan Loss Reserve9,60011,100(13.51)10,100(19.80)
Net Loans Receivable806,925797,8001.14824,383(8.47)
Intangible Assets46,09046,263(0.37)46,128(0.33)
Total Assets1,571,5751,513,3713.851,549,5435.69
Deposits1,098,6551,065,9353.071,074,4849.00
Debt, Senior and Subordinated283,321272,5363.96289,709(8.82)
Common Equity179,653165,9718.24174,59411.59
Total Shareholders' Equity179,653165,9718.24174,59411.59
Shares Outstanding (actual)7,770,4357,722,2840.627,762,3400.42
Income Statement ($000)
 2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Net Interest Income10,92410,8640.5511,209(10.17)
Provision for Loan Losses(726)(242)200.00(64)4,137.50
Noninterest Income2,1282,249(5.38)2,426(49.13)
Noninterest Expense9,3349,486(1.60)9,606(11.33)
Net Income Before Taxes4,4443,86914.864,09334.30
Provision for Taxes77156037.6864875.93
Net Income3,6733,30911.003,44526.47
Per Share Items ($)
 2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Book Value per Share23.1221.497.5722.4911.16
Tangible Book Value17.1915.5010.8816.5515.44
Diluted EPS Before Extra0.460.429.520.4418.18
Diluted EPS After Extra0.460.429.520.4418.18
Dividends Declared0.23000.22004.550.23000.00
Performance Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
ROAA0.950.8870.905
ROAE8.278.04238.0621
Net Interest Margin3.373.42(5)3.46(9)
Loans / Deposits74.2275.84(162)77.58(336)
Efficiency Ratio66.2167.49(128)65.4179
Balance Sheet Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.768.16608.5421
Equity/ Assets11.4310.974611.2716
Asset Quality Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.270.42(15)0.33(6)
Loan Loss Reserves/ Gross Loans1.181.37(20)1.21(3)
Loan Loss Reserves/ NPAs39.4439.053939.0639
Net Charge-offs/ Avg Loans(0.11)0.08(19)0.11(22)
Regulatory Capital Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio13.7013.88(18)14.08(38)
   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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