Call reports 2025
ISABELLA BANK — 2025
What ISABELLA BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,054,178,000 | 2,108,242,000 | 2,210,646,000 | 2,161,209,000 |
| Total loans | 1,367,851,000 | 1,397,569,000 | 1,432,639,000 | 1,536,788,000 |
| Allowance for loan losses | 12,735,000 | 12,977,000 | 13,149,000 | 13,727,000 |
| Securities available for sale | 513,040,000 | 500,560,000 | 511,971,000 | 497,790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,830,808,000 | 1,878,183,000 | 1,950,278,000 | 1,850,654,000 |
| Interest-bearing deposits | 1,425,732,000 | 1,383,809,000 | 1,529,052,000 | 1,415,598,000 |
| Noninterest-bearing deposits | 405,076,000 | 494,374,000 | 421,226,000 | 435,056,000 |
| Equity capital | 163,982,000 | 172,263,000 | 181,550,000 | 178,794,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 22,662,000 | 45,934,000 | 70,847,000 | 96,156,000 |
| Interest expense | 7,984,000 | 15,950,000 | 24,494,000 | 32,864,000 |
| Net interest income | 14,678,000 | 29,984,000 | 46,353,000 | 63,292,000 |
| Noninterest income | 3,792,000 | 7,744,000 | 12,253,000 | 16,926,000 |
| Noninterest expense | 12,855,000 | 26,169,000 | 39,838,000 | 53,359,000 |
| Provision for loan losses | -212,000 | -1,402,000 | -1,156,000 | -544,000 |
| Pretax income | 5,722,000 | 12,765,000 | 19,765,000 | 27,422,000 |
| Income tax | 1,092,000 | 2,405,000 | 3,597,000 | 5,896,000 |
| Net income | 4,630,000 | 10,360,000 | 16,168,000 | 21,526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 176,720,000 | 181,950,000 | 187,258,000 | 182,116,000 |
| Total capital | 190,072,000 | 195,636,000 | 201,078,000 | 196,336,000 |
| Risk-weighted assets | 1,462,723,000 | 1,493,619,000 | 1,526,772,000 | 1,625,472,000 |