Isabella Bank Corp (ISBA)

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Isabella Bank Corp

ISBA • CIK 0000842517

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Interest and Fee Income, Loans and Leases	$65,670	$77,295	$81,432	$86,323
Dividend Income, Operating	—	$640	$418	$272
Interest Income (Expense), Net	$57,944	$55,835	$62,544	$67,856
Provision for Loan, Lease, and Other Losses	$629	$1,884	$-563	$2,142
Interest and Dividend Income, Operating	$79,631	$89,978	$96,035	$101,505
Interest Income (Expense), after Provision for Loan Loss	$57,315	$53,951	$63,107	$65,714
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	$21,832	$16,398	$24,123	$25,248
Federal Income Tax Expense (Benefit), Continuing Operations	$3,665	$2,509	$5,213	$5,285
Net Income (Loss) Attributable to Parent	$18,167	$13,889	$18,910	$19,963
Interest Income, Securities, Operating, Taxable	—	—	$9,633	$10,408
Interest Expense, Deposits	$18,352	$29,690	$30,246	$29,282
Interest Income, Securities, Operating, Tax Exempt	—	—	$2,084	$1,994
Interest Expense, Federal Funds Purchased and Securities Sold under Agreements to Repurchase	$961	$1,439	$1,693	$2,771
Interest Expense, Federal Home Loan Bank and Federal Reserve Bank Advances, Short-term	—	—	$487	$493
Interest Expense, Subordinated Notes and Debentures	$1,065	$1,065	$1,065	$1,103
InterestExpenseOperating	—	$34,143	$33,491	$33,649
Bank Owned Life Insurance Income	$920	$1,007	$1,625	$1,835
Gain (Loss) on Sale of Mortgage Loans	$317	$213	$180	$151
Debt Securities, Available-for-sale, Gain (Loss)	—	—	$0	$0
Noninterest Income, Other Operating Income	$736	$689	$1,056	$1,464
Noninterest Income	$13,827	$14,576	$15,966	$17,488
Labor and Related Expense	$25,905	$28,576	$30,041	$31,237
Occupancy, Net	$3,778	$10,524	$10,541	$11,021
Professional and Contract Services Expense	—	$2,212	$3,240	$3,488
Marketing Expense	$1,159	$1,712	$1,989	$2,081
Federal Deposit Insurance Corporation Premium Expense	$922	$1,132	$1,180	$1,204
Other Noninterest Expense	$13,108	$3,087	$4,038	$4,805
Noninterest Expense	$49,310	$52,129	$54,950	$57,954
Interest Expense	$21,687	—	—	$32,973
Professional Fees	$2,340	—	—	$2,318
Noninterest Expense Directors Fees	$764	—	—	$736

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Cash and Due from Banks	$25,628	$22,830	$22,935	$23,896
Interest-bearing Deposits in Banks and Other Financial Institutions	$8,044	$1,712	$3,106	$26,209
Debt Securities, Available-for-sale	$528,148	$489,029	$497,791	$439,289
Cash and Cash Equivalents, at Carrying Value	$33,672	$24,542	$26,041	$41,774
Federal Home Loan Bank Stock	$12,762	$12,762	$5,600	$5,600
Financing Receivable, Held-for-Sale	$0	$242	$423	$410
Property, Plant and Equipment, Net	$27,639	$27,659	$29,000	$28,894
Bank Owned Life Insurance	$33,892	$34,882	$46,133	$46,603
Intangible Assets, Net (Including Goodwill)	$48,284	$48,283	$48,282	$48,282
Interest Receivable and Other Assets	$35,130	$38,166	$33,541	$33,596
Assets	$2,058,968	$2,086,241	$2,209,448	$2,219,641
Accrued Liabilities and Other Liabilities	—	$15,914	$15,884	$15,453
Liabilities	$1,856,566	$1,875,965	$1,978,052	$1,970,937
FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss	—	$1,423,571	$1,536,364	$1,589,672
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest	—	$12,895	$13,727	$14,479
FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss	—	$1,410,676	$1,522,637	$1,575,193
Noninterest-bearing Deposit Liabilities	$428,505	$416,373	$426,342	$414,018
Interest-bearing Deposit Liabilities	—	—	$1,393,312	$1,393,312
Deposits	$1,723,695	$1,747,060	$1,819,654	$1,809,913
Federal Funds Purchased and Securities Sold under Agreements to Repurchase	$46,801	$53,567	$68,000	$116,012
Long-term Federal Home Loan Bank Advances	$40,000	$30,000	$45,000	$45,000
Subordinated Debt	$29,335	$29,424	$29,514	$29,559
Debt, Long-term and Short-term, Combined Amount	$116,136	$112,991	$142,514	$142,514
Common Stock, Value, Issued	$127,323	$126,224	$123,204	$135,079
Retained Earnings (Accumulated Deficit)	$97,282	$103,024	$113,849	$119,844
Accumulated Other Comprehensive Income (Loss), Net of Tax	$-25,896	$-21,355	$-8,023	$-8,751
Stockholders' Equity Attributable to Parent	$202,402	$210,276	$231,396	$248,704
Common Stock, Shares Authorized	15,000,000	15,000,000	15,000,000	15,000,000
Common Stock, Shares, Outstanding	—	—	7,322,207	7,628,809
Common Stock, Shares, Issued	7,485,889	7,424,893	7,322,207	7,628,809
Fair Value Disclosure, Off-balance Sheet Risks, Face Amount, Liability	$321,730	$341,260	$349,902	$349,902
Derivative Asset, Fair Value of Collateral	$0	$247	$432	$432
Off-Balance Sheet, Credit Loss, Liability	$315	$512	$493	$493
Statutory Accounting Practices, Statutory Amount Available for Dividend Payments without Regulatory Approval	$27,600	$3,700	—	$3,700

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Net Income (Loss) Attributable to Parent	$18,167	$13,889	$18,910	$19,963
Net Cash Provided by (Used in) Operating Activities	$23,715	$19,637	$26,817	$25,756
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect	$-5,252	$-9,130	$1,499	$-66,780
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents	$33,672	$24,542	$26,041	$6,967
Provision for Loan, Lease, and Other Losses	$629	$1,884	$-563	$2,142
Depreciation	$1,978	$2,086	$2,138	$2,207
Payments to Acquire Debt Securities, Available-for-sale	$10,866	$5,400	$67,348	$80,714
Investment Income, Net, Amortization of Discount and Premium	$-1,474	$-1,332	$-967	$-605
Payments for (Proceeds from) Loans and Leases	—	$76,862	$112,351	$193,557
Debt Securities, Available-for-sale, Gain (Loss)	—	—	$0	$0
Payments to Acquire Property, Plant, and Equipment	$4,064	$2,106	$3,479	$2,840
Gain (Loss) on Sale of Mortgage Loans	$317	$213	$180	$151
Proceeds from Sale of Federal Home Loan Bank Stock	$0	$0	$7,162	$0
Share-based Payment Arrangement, Noncash Expense	—	$476	$341	$338
Payments to Acquire Other Investments	$623	$2,024	$3,849	$122
Deferred Income Tax Expense (Benefit)	$1,008	$-310	$38	$38
Net Cash Provided by (Used in) Investing Activities	$-25,779	$-37,866	$-115,882	$-128,144
Payments for Origination of Mortgage Loans Held-for-sale	$9,657	$8,768	$7,870	$6,880
Proceeds from Sale of Mortgage Loans Held-for-sale	$10,353	$8,739	$7,869	$6,676
Increase (Decrease) in Deposits	$-20,580	$23,365	$72,594	$-39,463
Increase (Decrease) in Federal Funds Purchased and Securities Sold under Agreements to Repurchase, Net	$-10,970	$6,766	$14,433	$72,804
Increase (Decrease) in Loans from Federal Home Loan Banks	$40,000	$-10,000	$15,000	$0
Payments of Ordinary Dividends, Common Stock	$8,216	$8,147	$8,085	$8,068
Proceeds from Issuance of Common Stock	$1,617	$1,523	$1,331	$13,020
Payments for Repurchase of Common Stock	—	—	$4,709	$2,685
Net Cash Provided by (Used in) Financing Activities	$-3,188	$9,099	$90,564	$35,608
Interest Paid, Excluding Capitalized Interest, Operating Activities	$21,052	$33,982	$33,483	$33,743
Income Taxes Paid, Net	—	—	$2,200	$2,200
Real Estate Owned, Transfer to Real Estate Owned	$378	$657	$953	$758
Increase (Decrease) in Other Operating Assets	$809	$-1,719	$-2,865	$-754
Increase (Decrease) in Other Accrued Liabilities	—	$-208	$3,909	$2,015
Amortization of Debt Issuance Costs	$90	—	—	$90

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Import this data to Google Sheets with:

=jivedata("ISBA","financials")

Full statements spill as a table. For one cell: =jivedata("ISBA","Revenue") or =jivedata("ISBA","Revenue","TTM"). Install the Jive Data add-on, then paste into a cell.