Isabella Bank Corporation (ISBA)

Isabella Bank Cash Flow 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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	16.26	13.89	18.17	22.24	19.5	10.89
Depreciation & Amortization	2.13	2.09	1.98	2.07	2.94	3.17
Other Amortization	-	-	-	-	0.05	-
Gain (Loss) on Sale of Assets	-	-	-	-	-0.04	0.05
Gain (Loss) on Sale of Investments	1.18	1.33	1.47	2.02	2.23	2.37
Total Asset Writedown	0	0	-	-0.53	-	0.32
Provision for Credit Losses	0.12	1.88	0.63	0.48	-0.52	1.67
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.77	-0.03	0.7	1.99	2.7	0.88
Accrued Interest Receivable	-	-	-	-	1.21	-0.82
Change in Other Net Operating Assets	4.05	1.51	0.67	-0.55	-	-
Other Operating Activities	-1.48	-1.3	0.1	-0.81	-1.55	5.77
Operating Cash Flow	23.22	19.64	24.18	26.89	25.5	22
Operating Cash Flow Growth	27.55%	-18.80%	-10.06%	5.43%	15.93%	-5.60%
Capital Expenditures	-2.46	-2.11	-4.06	-3.21	-1.59	-1.52
Investment in Securities	14.57	41.1	63.6	-141.96	-162.39	96.61
Income (Loss) Equity Investments	-	-	-	-	-	-0.39
Net Decrease (Increase) in Loans Originated / Sold - Investing	-26.96	-76.86	-85.78	36.67	-63.21	-52.13
Other Investing Activities	7.16	-	-	2.29	-2.44	2.17
Investing Cash Flow	-7.69	-37.87	-26.25	-106.2	-229.64	45.13
Short-Term Debt Issued	-	6.77	-	7.61	-	37.75
Long-Term Debt Issued	-	-	40	-	29.11	-
Total Debt Issued	1.77	6.77	40	7.61	29.11	37.75
Short-Term Debt Repaid	-	-	-10.97	-	-18.59	-
Long-Term Debt Repaid	-	-10	-	-20	-70	-162.64
Total Debt Repaid	-47.75	-10	-10.97	-20	-88.59	-162.64
Net Debt Issued (Repaid)	-45.99	-3.23	29.03	-12.39	-59.48	-124.9
Issuance of Common Stock	1.44	1.52	1.62	1.76	1.59	4.18
Repurchase of Common Stock	-4.96	-4.41	-5.04	-2.31	-14.95	-4.29
Common Dividends Paid	-8.12	-8.15	-8.22	-8.08	-8.37	-8.52
Net Increase (Decrease) in Deposit Accounts	127.08	23.37	-20.58	33.94	144.02	252.47
Financing Cash Flow	69.46	9.1	-3.19	12.91	62.82	118.94
Net Cash Flow	85	-9.13	-5.25	-66.41	-141.31	186.07
Free Cash Flow	20.76	17.53	20.12	23.68	23.91	20.48
Free Cash Flow Growth	40.88%	-12.86%	-15.05%	-0.95%	16.74%	-6.78%
Free Cash Flow Margin	28.32%	25.58%	28.28%	32.15%	35.66%	32.92%
Free Cash Flow Per Share	2.79	2.34	2.66	3.10	3.00	2.53
Cash Interest Paid	33.67	33.98	21.05	5.31	7.6	14.2
Cash Income Tax Paid	2.06	2.06	2.35	4.43	4.05	0.85

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q