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Trend Analysis--Quarterly (click here for Annual Analysis)

For the definition of a financial field, click on the field name.


Balance Sheet ($000)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,012,925870,29116.391,010,6150.91
Loans Held for Sale, before ReservesNA1,240NA1,816NA
Loan Loss ReserveNA7,500NA7,400NA
Net Loans ReceivableNA864,031NA1,005,031NA
Intangible AssetsNA48,785NA48,666NA
Total Assets1,760,0001,681,8184.651,732,1516.43
Deposits1,231,0601,173,5074.901,195,04012.06
Debt, Senior and SubordinatedNA307,896NA337,694NA
Common EquityNA190,247NA187,899NA
Total Shareholders' EquityNA190,247NA187,899NA
Shares Outstanding (actual)NA7,793,315NA7,795,027NA
Income Statement ($000)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Net Interest Income11,03010,4675.3810,9343.51
Provision for Loan LossesNA156NA(320)NA
Noninterest IncomeNA2,223NA2,718NA
Noninterest ExpenseNA9,080NA9,396NA
Net Income Before TaxesNA3,454NA4,275NA
Provision for TaxesNA437NA493NA
Net Income3,1363,0173.943,782(68.32)
Per Share Items ($)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Book Value per ShareNA24.41NA24.10NA
Tangible Book ValueNA18.15NA17.86NA
Diluted EPS Before ExtraNA0.38NA0.47NA
Diluted EPS After ExtraNA0.38NA0.47NA
Dividends Declared0.25000.24004.170.25000.00
Performance Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
ROAA0.720.7200.88(17)
ROAENA6.37NA7.77NA
Net Interest Margin2.752.98(23)3.01(26)
Loans / Deposits82.2874.1681284.57(229)
Efficiency RatioNA66.31NA64.41NA
Balance Sheet Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNA8.66NA8.27NA
Equity/ AssetsNA11.31NA10.85NA
Asset Quality Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA1.23NA1.26NA
Loan Loss Reserves/ Gross LoansNA0.86NA0.73NA
Loan Loss Reserves/ NPAsNA36.23NA33.81NA
Net Charge-offs/ Avg LoansNA0.03NA0.03NA
Regulatory Capital Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNA13.24NA12.39NA
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


All per share values have been retroactively restated to reflect stock dividends paid.

The information and materials available on or through our Investor Relations website are for informational purposes only and do not represent an offer or solicitation with respect to the purchase or sale of any security. Isabella Bank Corporation's future financial performance is subject to various risks and uncertainties, certain of which are discussed in forward-looking statements contained in the reports that Isabella Bank Corporation files with the SEC that could cause actual results to differ materially from expectations. You should refer to the SEC reports for further information regarding those risks and uncertainties.

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