Isabella Bank Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	161.3	24.54	33.67	38.92	105.33	246.14
Investment Securities	208.81	250.88	262.62	295.88	319.22	136.2
Mortgage-Backed Securities	215.52	171.29	198.45	226.9	121.48	134.59
Total Investments	424.33	422.18	461.07	522.77	440.7	270.79
Gross Loans	1,432	1,424	1,349	1,264	1,301	1,238
Allowance for Loan Losses	-13.15	-12.9	-13.11	-9.85	-9.1	-9.74
Net Loans	1,419	1,411	1,336	1,254	1,292	1,229
Property, Plant & Equipment	28.66	27.66	27.64	25.55	24.42	25.14
Goodwill	-	48.28	48.28	48.28	48.28	48.28
Other Intangible Assets	48.28	0	0	0.01	0.02	0.05
Loans Held for Sale	0.74	0.24	-	0.38	1.74	2.74
Accrued Interest Receivable	6.59	8.09	8.17	7.47	5.8	6.88
Restricted Cash	-	-	-	-	-	0.5
Other Real Estate Owned & Foreclosed	1.02	0.54	0.42	0.44	0.21	0.53
Other Long-Term Assets	164.38	118.51	117.84	119.35	98.67	112.71
Total Assets	2,260	2,086	2,059	2,030	2,032	1,957
Interest Bearing Deposits	1,100	943.1	948.82	1,183	1,183	1,084
Institutional Deposits	404.8	387.59	346.37	67.13	78.58	107.19
Non-Interest Bearing Deposits	421.03	416.37	428.51	494.35	448.35	375.4
Total Deposits	1,926	1,747	1,724	1,744	1,710	1,566
Short-Term Borrowings	62.02	83.57	86.8	57.77	50.16	68.8
Current Portion of Long-Term Debt	-	-	-	-	20	60
Accrued Interest Payable	-	1.05	0.89	0.26	0.25	0.48
Long-Term Debt	29.49	29.42	29.34	29.25	29.16	-
Federal Home Loan Bank Debt, Long-Term	-	-	-	-	-	30
Pension & Post-Retirement Benefits	-	1.79	2.08	3.22	3.92	4.91
Other Long-Term Liabilities	15.12	13.08	13.77	9.29	7.28	8.29
Total Liabilities	2,032	1,876	1,857	1,844	1,821	1,739
Common Stock	124.28	126.22	127.32	128.65	129.05	142.25
Retained Earnings	111.17	103.02	97.28	89.75	75.59	64.46
Comprehensive Income & Other	-8.04	-18.97	-22.2	-32.19	6.4	11.88
Shareholders' Equity	227.42	210.28	202.4	186.21	211.05	218.59
Total Liabilities & Equity	2,260	2,086	2,059	2,030	2,032	1,957
Total Debt	91.51	112.99	116.14	87.02	99.32	158.8
Net Cash (Debt)	69.79	-88.45	-82.46	-48.09	6.01	87.34
Net Cash Growth	-	-	-	-	-93.12%	-
Net Cash Per Share	9.41	-11.82	-10.89	-6.29	0.75	10.77
Filing Date Shares Outstanding	7.34	7.41	7.5	7.56	7.53	7.96
Total Common Shares Outstanding	7.35	7.42	7.49	7.56	7.53	8
Book Value Per Share	30.94	28.32	27.04	24.63	28.02	27.33
Tangible Book Value	179.14	161.99	154.12	137.92	162.75	170.26
Tangible Book Value Per Share	24.37	21.82	20.59	18.25	21.61	21.29

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