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	Jun '26 Jun 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	86.32	81.43	77.3	65.67	53.28	51.41
Interest Income on Investments	15.18	14.6	12.68	13.96	12.52	8.7
Total Interest Income	101.51	96.04	89.98	79.63	65.8	60.11
Interest Paid on Deposits	29.28	30.25	29.69	18.35	4.02	5.44
Interest Paid on Borrowings	4.37	3.25	4.45	3.34	1.3	1.97
Total Interest Expense	33.65	33.49	34.14	21.69	5.32	7.41
Net Interest Income	67.86	62.54	55.84	57.94	60.48	52.7
Net Interest Income Growth	15.60%	12.02%	-3.64%	-4.20%	14.76%	4.68%
Trust Income	4.51	4.25	4.04	3.56	3.01	3.07
Gain (Loss) on Sale of Investments	-	-	-	0.07	-	-
Other Non-Interest Income	12.83	11.54	10.32	9.89	10.03	9.06
Total Non-Interest Income	17.49	15.97	14.58	13.83	13.67	13.82
Non-Interest Income Growth	18.85%	9.54%	5.42%	1.18%	-1.13%	2.14%
Revenues Before Loan Losses	85.34	78.51	70.41	71.77	74.15	66.52
Provision for Loan Losses	2.14	-0.56	1.88	0.63	0.48	-0.52
Revenue	83.2	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	30.9	29.7	28.1	25.12	24.28	23.23
Occupancy Expenses	11.02	10.54	10.52	10.3	9.7	-
Federal Deposit Insurance	1.2	1.18	1.13	0.92	0.54	-
Selling, General & Administrative	6.97	6.64	5.33	6.24	5.82	10.58
Other Non-Interest Expense	7.35	6.89	7.05	6.73	6.49	9.88
Total Non-Interest Expense	57.45	54.95	52.13	49.31	46.82	43.69
EBT Excluding Unusual Items	25.75	24.12	16.4	21.83	26.84	23.35
Pretax Income	25.25	24.12	16.4	21.83	26.84	23.35
Income Tax Expense	5.29	5.21	2.51	3.67	4.61	3.85
Net Income	19.96	18.91	13.89	18.17	22.24	19.5
Net Income to Common	19.96	18.91	13.89	18.17	22.24	19.5
Net Income Growth	22.80%	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	-1.26%	-1.29%	-1.23%	-0.94%	-4.00%	-1.73%
EPS (Basic)	2.72	2.56	1.86	2.42	2.95	2.48
EPS (Diluted)	2.72	2.56	1.86	2.40	2.91	2.45
EPS Growth	24.25%	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	Jun '26 Jun 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	20.93%	21.61%	15.30%	16.79%	17.16%	16.48%

SEC Filings: 10-K · 10-Q