Isabella Bank Corporation (ISBA)

Nasdaq: ISBA · State Commercial Banks · Mt Pleasant, MI · filing with the SEC since 1995

Grade4.3

◀ Past 4.8● Present 3.5▶ Future 4.6

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Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Report filed	Mar 13, 2026	Mar 12, 2025	Mar 7, 2024	Mar 7, 2023	Mar 15, 2022	Mar 10, 2021	Mar 16, 2020	Mar 14, 2019	Mar 16, 2018	Mar 7, 2017
Revenue	·	·	·	·	·	·	·	5,655	5,385	5,185
For lenders
Interest and dividend income	96,035	89,978	79,631	65,798	60,113	64,172	67,306	63,864	58,413	53,666
Interest expense on deposits and borrowings	33,491	34,143	21,687	5,317	·	·	·	·	·	·
Net interest income	62,544	55,835	57,944	60,481	52,701	50,347	49,445	48,233	45,919	42,801
Provision for credit losses	-563	1,884	629	483	-518	1,665	30	978	253	-135
Net interest income after provision	63,107	53,951	57,315	59,998	53,219	48,682	49,415	47,255	45,666	42,936
Noninterest income	15,966	14,576	13,827	13,666	13,822	14,423	8,039	10,981^r	10,840^r	11,108
Noninterest expense	54,950	52,129	49,310	46,820	43,694	51,233	43,050	42,852^r	40,253^r	37,897
Interest expense	·	·	21,687	5,317	7,412	13,825	17,861	15,631	12,494	10,865
Income before income taxes	24,123	16,398	21,832	26,844	23,347	11,872	14,404	15,384	16,253	16,147
Income tax expense	5,213	2,509	3,665	4,606	3,848	987	1,380	1,363	3,016	2,348
Net income	18,910	13,889	18,167	22,238	19,499	10,885	13,024	14,021	13,237	13,799
Earnings per share, basic	2.56	1.86	2.42	2.95	2.48	1.37	1.65	1.78	1.69	1.77
Earnings per share, diluted	2.56	1.86	2.40	2.91	2.45	1.34	1.61	1.74	1.65	1.73
Weighted average shares, basic	7,372,434	7,465,343	7,511,591	7,549,878	7,853,398	7,959,705	7,909,794	7,872,077	7,841,451	7,813,739
Weighted average shares, diluted	7,385,862	7,482,374	7,575,492	7,647,612	7,965,961	8,106,091	8,095,042	8,072,848	8,033,737	7,999,350

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Revenue what customers paid for what it soldus-gaap:RevenueFromContractWithCustomerExcludingAssessedTax

Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating

Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaidus-gaap:ProvisionForLoanLeaseAndOtherLosses

Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Interest expense what its borrowing costus-gaap:InterestExpense

Income before income taxes profit before taxus-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

SI Assistanton ISBA · research, not advice