Isabella Bank Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	81.43	77.3	65.67	53.28	51.41
Interest Income on Investments	14.6	12.68	13.96	12.52	8.7
Total Interest Income	96.04	89.98	79.63	65.8	60.11
Interest Paid on Deposits	30.25	29.69	18.35	4.02	5.44
Interest Paid on Borrowings	3.25	4.45	3.34	1.3	1.97
Total Interest Expense	33.49	34.14	21.69	5.32	7.41
Net Interest Income	62.54	55.84	57.94	60.48	52.7
Net Interest Income Growth (YoY)	12.02%	-3.64%	-4.20%	14.76%	4.68%
Trust Income	4.25	4.04	3.56	3.01	3.07
Other Non-Interest Income	7.5	10.32	9.95	10.03	9.06
Total Non-Interest Income	11.93	14.58	13.83	13.67	13.82
Non-Interest Income Growth (YoY)	-18.17%	5.42%	1.18%	-1.13%	2.14%
Revenues Before Loan Losses	74.47	70.41	71.77	74.15	66.52
Provision for Loan Losses	-0.56	1.88	0.63	0.48	-0.52
Revenue	75.04	68.53	71.14	73.66	67.04
Revenue Growth (YoY)	9.50%	-3.68%	-3.42%	9.88%	7.76%
Salaries and Employee Benefits	30.04	28.1	25.12	24.28	23.23
Occupancy Expenses	10.54	10.52	10.3	9.7	-
Federal Deposit Insurance	1.18	1.13	0.92	0.54	-
Selling, General & Administrative	6.3	5.33	6.24	5.82	10.58
Other Non-Interest Expense	2.85	7.05	6.73	6.49	9.88
Total Non-Interest Expense	50.91	52.13	49.31	46.82	43.69
EBT Excluding Unusual Items	24.12	16.4	21.83	26.84	23.35
Pretax Income	24.12	16.4	21.83	26.84	23.35
Income Tax Expense	5.21	2.51	3.67	4.61	3.85
Net Income	18.91	13.89	18.17	22.24	19.5
Net Income to Common	18.91	13.89	18.17	22.24	19.5
Net Income Growth	36.15%	-23.55%	-18.31%	14.05%	79.14%
Basic Shares Outstanding	7	7	8	8	8
Diluted Shares Outstanding	7	7	8	8	8
Shares Change (YoY)	-1.28%	-1.23%	-0.94%	-4.00%	-1.73%
EPS (Basic)	2.56	1.86	2.42	2.95	2.48
EPS (Diluted)	2.56	1.86	2.40	2.91	2.45
EPS Growth	37.63%	-22.50%	-17.53%	18.78%	82.84%
Dividend Per Share	1.120	1.120	1.120	1.090	1.080
Dividend Growth	-	-	2.75%	0.93%	-
Effective Tax Rate	21.61%	15.30%	16.79%	17.16%	16.48%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.