Isabella Bank Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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	88.73	81.43	77.3	65.67	53.28	51.41
Interest Income on Investments	15.41	14.6	12.68	13.96	12.52	8.7
Total Interest Income	104.14	96.04	89.98	79.63	65.8	60.11
Interest Paid on Deposits	28.11	30.25	29.69	18.35	4.02	5.44
Interest Paid on Borrowings	4.97	3.25	4.45	3.34	1.3	1.97
Total Interest Expense	33.07	33.49	34.14	21.69	5.32	7.41
Net Interest Income	71.07	62.54	55.84	57.94	60.48	52.7
Net Interest Income Growth	17.72%	12.02%	-3.64%	-4.20%	14.76%	4.68%
Trust Income	4.6	4.25	4.04	3.56	3.01	3.07
Gain (Loss) on Sale of Investments	-	-	-	0.07	-	-
Other Non-Interest Income	12.97	11.54	10.32	9.89	10.03	9.06
Total Non-Interest Income	17.75	15.97	14.58	13.83	13.67	13.82
Non-Interest Income Growth	14.54%	9.54%	5.42%	1.18%	-1.13%	2.14%
Revenues Before Loan Losses	88.81	78.51	70.41	71.77	74.15	66.52
Provision for Loan Losses	1.98	-0.56	1.88	0.63	0.48	-0.52
Revenue	86.83	79.07	68.53	71.14	73.66	67.04
Revenue Growth	13.52%	15.39%	-3.68%	-3.42%	9.88%	7.76%
Salaries and Employee Benefits	31.77	29.7	28.1	25.12	24.28	23.23
Occupancy Expenses	11.18	10.54	10.52	10.3	9.7	-
Federal Deposit Insurance	1.23	1.18	1.13	0.92	0.54	-
Selling, General & Administrative	6.8	6.64	5.33	6.24	5.82	10.58
Other Non-Interest Expense	7.46	6.89	7.05	6.73	6.49	9.88
Total Non-Interest Expense	58.44	54.95	52.13	49.31	46.82	43.69
EBT Excluding Unusual Items	28.39	24.12	16.4	21.83	26.84	23.35
Pretax Income	27.21	24.12	16.4	21.83	26.84	23.35
Income Tax Expense	5.89	5.21	2.51	3.67	4.61	3.85
Net Income	21.33	18.91	13.89	18.17	22.24	19.5
Net Income to Common	21.33	18.91	13.89	18.17	22.24	19.5
Net Income Growth	17.08%	36.15%	-23.55%	-18.31%	14.05%	79.14%
Basic Shares Outstanding	7	7	7	8	8	8
Diluted Shares Outstanding	7	7	7	8	8	8
Shares Change	-0.03%	-1.29%	-1.23%	-0.94%	-4.00%	-1.73%
EPS (Basic)	2.88	2.56	1.86	2.42	2.95	2.48
EPS (Diluted)	2.88	2.56	1.86	2.40	2.91	2.45
EPS Growth	17.12%	37.63%	-22.50%	-17.53%	18.78%	82.84%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Dividend Per Share	1.120	1.120	1.120	1.120	1.090	1.080
Dividend Growth	0%	0%	0%	2.75%	0.93%	0%
Effective Tax Rate	21.63%	21.61%	15.30%	16.79%	17.16%	16.48%