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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)
 2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves815,472808,4110.87833,582(8.69)
Loans Held for Sale, before ReservesNA489NA901NA
Loan Loss Reserve9,60011,100(13.51)10,100(19.80)
Net Loans ReceivableNA797,800NA824,383NA
Intangible AssetsNA46,263NA46,128NA
Total Assets1,570,0001,513,3713.741,549,5435.28
DepositsNA1,065,935NA1,074,484NA
Debt, Senior and SubordinatedNA272,536NA289,709NA
Common EquityNA165,971NA174,594NA
Total Shareholders' EquityNA165,971NA174,594NA
Shares Outstanding (actual)NA7,722,284NA7,762,340NA
Income Statement ($000)
 2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Net Interest IncomeNA10,864NA11,209NA
Provision for Loan Losses(726)(242)200.00(64)4,137.50
Noninterest IncomeNA2,249NA2,426NA
Noninterest ExpenseNA9,486NA9,606NA
Net Income Before TaxesNA3,869NA4,093NA
Provision for TaxesNA560NA648NA
Net Income3,6703,30910.913,44526.12
Per Share Items ($)
 2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Book Value per ShareNA21.49NA22.49NA
Tangible Book ValueNA15.50NA16.55NA
Diluted EPS Before ExtraNA0.42NA0.44NA
Diluted EPS After ExtraNA0.42NA0.44NA
Dividends Declared0.23000.22004.550.23000.00
Performance Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
ROAA0.940.8860.895
ROAENA8.04NA7.86NA
Net Interest Margin3.373.42(5)3.46(9)
Loans / DepositsNA75.84NA77.58NA
Efficiency RatioNA67.49NA65.41NA
Balance Sheet Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNA8.16NA8.54NA
Equity/ AssetsNA10.97NA11.27NA
Asset Quality Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA1.88NA1.67NA
Loan Loss Reserves/ Gross LoansNA1.37NA1.21NA
Loan Loss Reserves/ NPAsNA39.05NA39.06NA
Net Charge-offs/ Avg LoansNA0.08NA0.11NA
Regulatory Capital Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNA13.88NA14.08NA
   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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