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

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Balance Sheet ($000)
 2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves833,582808,0373.16822,2995.49
Loans Held for Sale, before Reserves9011,104(18.39)421456.06
Loan Loss Reserve10,10011,500(12.17)10,400(11.54)
Net Loans Receivable824,383797,6413.35812,3205.94
Intangible Assets46,12846,311(0.40)46,168(0.35)
Total Assets1,549,5431,493,1373.781,553,974(1.14)
Deposits1,074,4841,043,7662.941,081,890(2.74)
Debt, Senior and Subordinated289,709279,3263.72290,438(1.00)
Common Equity174,594160,6098.71172,0765.85
Total Shareholders' Equity174,594160,6098.71172,0765.85
Shares Outstanding (actual)7,762,3407,710,2620.687,730,9511.62
Income Statement ($000)
 2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Net Interest Income11,20910,9202.6510,9858.16
Provision for Loan Losses(64)245NM(162)(241.98)
Noninterest Income2,4262,13013.902,11957.95
Noninterest Expense9,6069,5780.299,5143.87
Net Income Before Taxes4,0933,22726.843,84925.36
Provision for Taxes648303113.86444183.78
Net Income3,4452,92417.823,4054.70
Per Share Items ($)
 2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Book Value per Share22.4920.837.9822.264.21
Tangible Book Value16.5514.8211.6416.296.48
Diluted EPS Before Extra0.440.3718.920.439.30
Diluted EPS After Extra0.440.3718.920.439.30
Dividends Declared0.23000.21009.520.220018.18
Performance Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
ROAA0.890.80100.891
ROAE7.867.18687.91(5)
Net Interest Margin3.463.50(4)3.397
Loans / Deposits77.5877.421676.01157
Efficiency Ratio65.4168.61(319)67.72(231)
Balance Sheet Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.547.90658.3519
Equity/ Assets11.2710.765111.0719
Asset Quality Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.330.3210.37(4)
Loan Loss Reserves/ Gross Loans1.211.42(21)1.26(5)
Loan Loss Reserves/ NPAs39.0639.55(49)38.8521
Net Charge-offs/ Avg Loans0.110.17(6)0.075
Regulatory Capital Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio14.0813.674113.8622
   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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