Isabella Bank Corporation (ISBA) quarterly income statement — complete revenue, gross profit & net income history
| Metric | 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 | Q2'21 |
|---|
| Net Interest Income | 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 | 12.71M |
| NII Growth % | 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% | 3.32% |
| Net Interest Margin % | 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% | 0.63% |
| Interest Income | 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 | 14.64M |
| Interest Expense | 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 | 1.93M |
| Loan Loss Provision | 0 | 434K | 209K | -1.1M | -107K | 376K | 946K | 170K | 392K | 684K | -292K | 196K | 41K | -57K | 18K | 485K | 37K | 81K | -107K | 31K |
| Non-Interest Income | 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 | 2.65M |
| Non-Interest Income % | 14.79% | 19.39% | 12.98% | 11.87% | 11.85% | 10.05% | 11.47% | 12.38% | 12.3% | 11.51% | 12.56% | 14.08% | 12.59% | 12.18% | 12.66% | 15.14% | 16.57% | 16.3% | 14.92% | 15.34% |
| Total Revenue | 29.49M | 31.36M | 28.59M | 26.37M | 25.68M | 25.76M | 26.37M | 25.21M | 24.38M | 23.8M | 23.43M | 22.69M | 21.27M | 20.4M | 19.48M | 18.97M | 17.69M | 17.97M | 17.8M | 17.29M |
| Revenue Growth % | 14.86% | 21.74% | 8.45% | 4.62% | 5.32% | 8.25% | 12.54% | 11.1% | 14.6% | 16.65% | 20.24% | 19.58% | 20.23% | 13.52% | 9.48% | 9.72% | -2.87% | -6.79% | -6.36% | -6.9% |
| Non-Interest Expense | 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 | 9.83M |
| Efficiency Ratio | 51.77% | 55.95% | 46.83% | 50.01% | 49.9% | 46.38% | 48.26% | 49.22% | 50.07% | 46.81% | 52.02% | 53.46% | 54.45% | 54.58% | 57.13% | 57.65% | 60.5% | 58.53% | 58.85% | 56.86% |
| Operating Income | 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 | 5.5M |
| Operating Margin % | 20.27% | 15.4% | 21.95% | 23.39% | 18.93% | 18.72% | 14.57% | 16.24% | 14.94% | 19.03% | 22.84% | 24.45% | 30.11% | 37.64% | 36.54% | 33.6% | 32.04% | 32.3% | 31.48% | 31.82% |
| Operating Income Growth % | 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% | 15.95% |
| Pretax Income | 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 | 5.5M |
| Pretax Margin % | 20.27% | 21.74% | 21.95% | 23.39% | 18.93% | 18.72% | 14.57% | 16.24% | 14.94% | 19.03% | 22.84% | 24.45% | 30.11% | 37.64% | 36.54% | 33.6% | 32.04% | 32.3% | 31.48% | 31.82% |
| Income Tax | 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 | 881K |
| Effective Tax Rate % | 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% | 16.01% |
| Net Income | 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 | 4.62M |
| Net Margin % | 16.93% | 14.96% | 18.32% | 19.08% | 15.38% | 15.51% | 12.44% | 13.81% | 12.84% | 15.98% | 18.84% | 20.41% | 25.01% | 30.99% | 30.21% | 27.91% | 26.76% | 26.68% | 26.33% | 26.72% |
| Net Income Growth % | 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% | 10.37% |
| Net Income (Continuing) | 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 | 4.62M |
| EPS (Diluted) | 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 | 0.57 |
| EPS Growth % | 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% | 9.62% |
| EPS (Basic) | 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 | 0.58 |
| Diluted Shares Outstanding | 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 | 8.06M |