Isabella Bank Corporation (ISBA) quarterly income statement — complete revenue, gross profit & net income history
Isabella Bank Corporation (ISBA) annual income statement — 30-year revenue, gross profit & net income history
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 |
|---|
| Net Interest Income | -33.26M | 16.88M | 16.73M | 16.16M | 15.13M | 14.53M | 14.55M | 14.49M | 13.55M | 13.24M | 13.61M | 14.3M | 14.68M | 15.35M | 16.27M | 15.8M | 14.93M | 13.48M | 13.47M | 13.31M |
| NII Growth % | -319.85% | 16.23% | 14.93% | 11.55% | 11.65% | 9.69% | 6.93% | 1.3% | -7.69% | -13.74% | -16.35% | -9.5% | -1.66% | 13.89% | 20.77% | 18.7% | 17.42% | 2.11% | -0.52% | 6.53% |
| Net Interest Margin % | -1.5% | 0.75% | 0.76% | 0.72% | 0.7% | 0.69% | 0.7% | 0.69% | 0.66% | 0.64% | 0.66% | 0.68% | 0.72% | 0.74% | 0.8% | 0.77% | 0.73% | 0.65% | 0.66% | 0.64% |
| Interest Income | -25.13M | 25.13M | 25.28M | 24.88M | 23.24M | 22.63M | 23.17M | 23.34M | 22.09M | 21.38M | 21.06M | 20.48M | 19.5M | 18.59M | 17.91M | 17.02M | 16.1M | 14.76M | 15.04M | 15.14M |
| Interest Expense | 8.13M | 8.25M | 8.55M | 8.72M | 8.11M | 8.11M | 8.61M | 8.85M | 8.54M | 8.14M | 7.44M | 6.18M | 4.82M | 3.24M | 1.64M | 1.22M | 1.18M | 1.28M | 1.57M | 1.83M |
| Loan Loss Provision | 115K | 0 | 434K | 209K | -1.1M | -107K | 376K | 946K | 170K | 392K | 684K | -292K | 196K | 41K | -57K | 18K | 485K | 37K | 81K | -107K |
| Non-Interest Income | 42.07M | 4.36M | 6.08M | 3.71M | 3.13M | 3.04M | 2.59M | 3.02M | 3.12M | 3M | 2.74M | 2.94M | 3.19M | 2.68M | 2.48M | 2.47M | 2.87M | 2.93M | 2.93M | 2.66M |
| Non-Interest Income % | 477.62% | 20.53% | 26.66% | 18.68% | 17.15% | 17.32% | 15.11% | 17.27% | 18.72% | 18.47% | 16.75% | 17.07% | 17.88% | 14.85% | 13.24% | 13.5% | 16.14% | 17.86% | 17.86% | 16.63% |
| Total Net Revenue | 8.81M | 21.24M | 22.81M | 19.88M | 18.26M | 17.57M | 17.14M | 17.51M | 16.67M | 16.24M | 16.35M | 17.25M | 17.87M | 18.03M | 18.76M | 18.27M | 17.8M | 16.41M | 16.4M | 15.97M |
| Revenue Growth % | -51.76% | 20.93% | 33.03% | 13.49% | 9.53% | 8.16% | 4.86% | 1.55% | -6.73% | -9.92% | -12.82% | -5.61% | 0.42% | 9.87% | 14.34% | 14.4% | 15.83% | 1.76% | -0.11% | 1.04% |
| Non-Interest Expense | 14.67M | 15.27M | 17.55M | 13.39M | 13.19M | 12.81M | 11.95M | 12.72M | 12.41M | 12.21M | 11.14M | 12.19M | 12.13M | 11.58M | 11.13M | 11.13M | 10.94M | 10.7M | 10.52M | 10.47M |
| Efficiency Ratio | 166.55% | 71.86% | 76.93% | 67.37% | 72.23% | 72.94% | 69.69% | 72.66% | 74.43% | 75.16% | 68.12% | 70.67% | 67.86% | 64.25% | 59.36% | 60.93% | 61.45% | 65.23% | 64.12% | 65.59% |
| Operating Income | -5.98M | 5.98M | 4.83M | 6.28M | 6.17M | 4.86M | 4.82M | 3.84M | 4.09M | 3.64M | 4.53M | 5.35M | 5.55M | 6.41M | 7.68M | 7.12M | 6.38M | 5.67M | 5.8M | 5.6M |
| Operating Margin % | -67.86% | 28.14% | 21.17% | 31.58% | 33.78% | 27.67% | 28.12% | 21.94% | 24.55% | 22.42% | 27.7% | 31.02% | 31.04% | 35.53% | 40.94% | 38.97% | 35.82% | 34.55% | 35.38% | 35.08% |
| Operating Income Growth % | -196.89% | 22.96% | 0.15% | 63.35% | 50.72% | 33.47% | 6.45% | -28.19% | -26.23% | -43.14% | -41.02% | -24.86% | -12.99% | 12.98% | 32.31% | 27.1% | 15.89% | -11.96% | 571.49% | 10.04% |
| Pretax Income | 6.18M | 5.98M | 6.82M | 6.28M | 6.17M | 4.86M | 4.82M | 3.84M | 4.09M | 3.64M | 4.53M | 5.35M | 5.55M | 6.41M | 7.68M | 7.12M | 6.38M | 5.67M | 5.8M | 5.6M |
| Pretax Margin % | 70.14% | 28.14% | 29.89% | 31.58% | 33.78% | 27.67% | 28.12% | 21.94% | 24.55% | 22.42% | 27.7% | 31.02% | 31.04% | 35.53% | 40.94% | 38.97% | 35.82% | 34.55% | 35.38% | 35.08% |
| Income Tax | 1.14M | 985K | 2.13M | 1.04M | 1.14M | 912K | 825K | 561K | 612K | 511K | 726K | 937K | 918K | 1.08M | 1.36M | 1.23M | 1.08M | 935K | 1.01M | 916K |
| Effective Tax Rate % | 18.4% | 16.48% | 31.2% | 16.51% | 18.45% | 18.76% | 17.11% | 14.6% | 14.95% | 14.03% | 16.03% | 17.51% | 16.55% | 16.92% | 17.67% | 17.32% | 16.95% | 16.49% | 17.4% | 16.35% |
| Net Income | 5.04M | 4.99M | 4.69M | 5.24M | 5.03M | 3.95M | 4M | 3.28M | 3.48M | 3.13M | 3.8M | 4.41M | 4.63M | 5.32M | 6.32M | 5.89M | 5.29M | 4.73M | 4.79M | 4.69M |
| Net Margin % | 57.23% | 23.5% | 20.56% | 26.36% | 27.55% | 22.48% | 23.31% | 18.73% | 20.88% | 19.28% | 23.26% | 25.59% | 25.9% | 29.51% | 33.71% | 32.22% | 29.75% | 28.85% | 29.23% | 29.34% |
| Net Income Growth % | 0.2% | 26.41% | 17.37% | 59.71% | 44.53% | 26.13% | 5.07% | -25.65% | -24.82% | -41.16% | -39.85% | -25.04% | -12.56% | 12.4% | 31.87% | 25.63% | 14.59% | -12.3% | 763.07% | 7.55% |
| Net Income (Continuing) | 5.04M | 4.99M | 4.69M | 5.24M | 5.03M | 3.95M | 4M | 3.28M | 3.48M | 3.13M | 3.8M | 4.41M | 4.63M | 5.32M | 6.32M | 5.89M | 5.29M | 4.73M | 4.79M | 4.69M |
| EPS (Diluted) | 0.69 | 0.68 | 0.64 | 0.71 | 0.68 | 0.53 | 0.54 | 0.44 | 0.46 | 0.42 | 0.51 | 0.58 | 0.61 | 0.70 | 0.83 | 0.77 | 0.69 | 0.62 | 0.63 | 0.58 |
| EPS Growth % | 1.47% | 28.3% | 18.52% | 61.36% | 47.83% | 26.19% | 5.88% | -24.14% | -24.59% | -40% | -38.55% | -24.68% | -11.59% | 12.9% | 31.75% | 32.76% | 21.05% | -7.46% | 730% | 7.41% |
| EPS (Basic) | 0.69 | 0.68 | 0.64 | 0.71 | 0.68 | 0.53 | 0.54 | 0.44 | 0.47 | 0.42 | 0.51 | 0.59 | 0.62 | 0.70 | 0.84 | 0.78 | 0.70 | 0.63 | 0.63 | 0.59 |
| Diluted Shares Outstanding | 7.34M | 7.34M | 7.38M | 7.38M | 7.4M | 7.45M | 7.45M | 7.47M | 7.49M | 7.51M | 7.46M | 7.57M | 7.57M | 7.63M | 7.62M | 7.65M | 7.65M | 7.64M | 7.61M | 8.04M |