Isabella Bank Corporation (ISBA)

Isabella Bank Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	79.91	77.3	65.67	53.28	51.41	54.1
Interest Income on Investments	14.02	12.68	13.96	12.52	8.7	10.07
Total Interest Income	93.93	89.98	79.63	65.8	60.11	64.17
Interest Paid on Deposits	30.45	29.69	18.35	4.02	5.44	8.88
Interest Paid on Borrowings	3.11	4.45	3.34	1.3	1.97	4.94
Total Interest Expense	33.56	34.14	21.69	5.32	7.41	13.83
Net Interest Income	60.37	55.84	57.94	60.48	52.7	50.35
Net Interest Income Growth (YoY)	9.98%	-3.64%	-4.20%	14.76%	4.68%	1.82%
Trust Income	4.19	4.04	3.56	3.01	3.07	2.58
Gain (Loss) on Sale of Equity Investments	-	-	-	-	-	0.58
Other Non-Interest Income	11.12	10.32	9.95	10.03	9.06	7.66
Total Non-Interest Income	15.49	14.58	13.83	13.67	13.82	13.53
Non-Interest Income Growth (YoY)	9.73%	5.42%	1.18%	-1.13%	2.14%	68.33%
Revenues Before Loan Losses	75.87	70.41	71.77	74.15	66.52	63.88
Provision for Loan Losses	-0.62	1.88	0.63	0.48	-0.52	1.67
Revenue	76.49	68.53	71.14	73.66	67.04	62.21
Revenue Growth (YoY)	14.47%	-3.68%	-3.42%	9.88%	7.76%	8.29%
Salaries and Employee Benefits	29.37	28.1	25.12	24.28	23.23	23.35
Occupancy Expenses	10.43	10.52	10.3	9.7	-	-
Federal Deposit Insurance	1.15	1.13	0.92	0.54	-	-
Selling, General & Administrative	6.31	5.33	6.24	5.82	10.58	10.65
Other Non-Interest Expense	7.09	7.05	6.73	6.49	9.88	9.6
Total Non-Interest Expense	54.36	52.13	49.31	46.82	43.69	43.59
EBT Excluding Unusual Items	22.13	16.4	21.83	26.84	23.35	18.62
Other Unusual Items	-	-	-	-	-	-7.64
Pretax Income	22.13	16.4	21.83	26.84	23.35	11.87
Income Tax Expense	3.91	2.51	3.67	4.61	3.85	0.99
Net Income	18.22	13.89	18.17	22.24	19.5	10.89
Net Income to Common	18.22	13.89	18.17	22.24	19.5	10.89
Net Income Growth	33.00%	-23.55%	-18.31%	14.05%	79.14%	-16.42%
Basic Shares Outstanding	7	7	8	8	8	8
Diluted Shares Outstanding	7	7	8	8	8	8
Shares Change (YoY)	-1.20%	-1.23%	-0.94%	-4.00%	-1.73%	0.14%
EPS (Basic)	2.47	1.86	2.42	2.95	2.48	1.37
EPS (Diluted)	2.46	1.86	2.40	2.91	2.45	1.34
EPS Growth	34.49%	-22.50%	-17.53%	18.78%	82.84%	-16.77%
Dividend Per Share	1.120	1.120	1.120	1.090	1.080	1.080
Dividend Growth	-	-	2.75%	0.93%	-	2.86%
Effective Tax Rate	17.68%	15.30%	16.79%	17.16%	16.48%	8.31%

Updated Oct 27, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q