Call reports 2021
ISABELLA BANK — 2021
What ISABELLA BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,967,889,000 | 1,982,660,000 | 2,034,090,000 | 1,982,186,000 |
| Total loans | 1,197,883,000 | 1,207,851,000 | 1,249,374,000 | 1,302,772,000 |
| Allowance for loan losses | 9,271,000 | 9,360,000 | 9,093,000 | 9,103,000 |
| Securities available for sale | 367,325,000 | 448,453,000 | 494,384,000 | 490,601,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,646,317,000 | 1,664,945,000 | 1,718,584,000 | 1,722,405,000 |
| Interest-bearing deposits | 1,239,958,000 | 1,235,765,000 | 1,286,840,000 | 1,273,088,000 |
| Noninterest-bearing deposits | 406,359,000 | 429,180,000 | 431,744,000 | 449,317,000 |
| Equity capital | 167,266,000 | 172,482,000 | 175,676,000 | 177,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 15,304,000 | 29,967,000 | 45,143,000 | 60,223,000 |
| Interest expense | 2,074,000 | 3,911,000 | 5,468,000 | 6,761,000 |
| Net interest income | 13,230,000 | 26,056,000 | 39,675,000 | 53,462,000 |
| Noninterest income | 3,718,000 | 7,216,000 | 10,750,000 | 14,513,000 |
| Noninterest expense | 10,558,000 | 20,734,000 | 31,575,000 | 42,439,000 |
| Provision for loan losses | -523,000 | -492,000 | -599,000 | -518,000 |
| Pretax income | 6,913,000 | 13,030,000 | 19,449,000 | 26,054,000 |
| Income tax | 1,140,000 | 2,150,000 | 3,237,000 | 4,341,000 |
| Net income | 5,773,000 | 10,880,000 | 16,212,000 | 21,713,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 157,584,000 | 162,001,000 | 166,543,000 | 171,255,000 |
| Total capital | 166,855,000 | 171,361,000 | 175,636,000 | 180,358,000 |
| Risk-weighted assets | 1,194,777,000 | 1,202,924,000 | 1,287,334,000 | 1,326,420,000 |